Hi, Anna, thank you for sharing! I am a Prulife Financial Advisor here. Please allow me to express my two cents para na din sa ibang netizens natin on this. VUL is a life insurance product with the main objective of life insurance, and investments as it's nominal purpose. Hndi lng ininvest ang money na hinulog mo, but to people who are getting confused or frustrated, please remember that you are also insured. That is a protection no one can take from you. VUL like PAA plus has a living, death, accidental and critical illness benefits. Imagine the peace of mind you have, this fund is also withdrawable. This is not a short term investment like cash funds and time deposit, but you can certainly partially withdraw in times of need. Expect to atleast see gains by the 10th year. And Pru also gives loyalty bonuses kung umabot ng 10 year ang policy mo ng walang withdrawal and late payments. 10% ng annual premium mo. Yearly bonus yan from the 11th year onwards. As for the fund value, yes we use illustrations from projection, but bear in mind that the returns are not guaranteed because the fund value is linked to the performance of the investment. We always disclose that to our dear prospects and clients If capital preservation lng gusto or capital appreciation, you can talk to any FA kasi every investor has an investment portfolio, yun ang basis ng FUND MANAGERS kung san nya ilalagay ung hard earned money ng insured investor. 2nd year nagstastart mag allocate for the investment. 50% sa 2nd year and 50% sa 3rd year, the rest is 100% na, minus the policy charges and investment management fee. Yes po bnabayaran sila at may 'fee', the fund managers are experts in their field, if you have heard of eastspring _ this is the largest fund manager in the region and trusted by BSP. To people out there who thinks na wala lang yung fund managers at kung san san lng ilalagay ung funds nyo, better think twice po. They are reputable and have proven their expertise in the industry. (Financial education is the key) if you would like to know more about pure life insurance, term insurance, pure investments or kahit inquiries lng. I am here to assist you. Message lng po kayo, I'm willing to share insights to help you decide. For investments, rule of thumb is high returns comes with high risks. 09059060601 Email: [email protected] At the end of the day, FA's aim is not to sell, but to help and offer solution varying needs of people. ❤

Im so sad for you maam Dapat may care at pag papahalaga sa mga client nila 😢

Nalugi din ako sa vul around 40k.. kaya nag withdraw nalang ako tapos ang kinuha ko nalang ay ung pure life insurance lang. As per FA ko dati wayback 2016, investment daw ang VUL pero di naman totoo, lugi kasi.

For me depende tlga sa reason m yn kung pra san ba ung policy n kinuha m.. well for me is incase may mang yari saken may fix amount makukuha family ko... VUL expect m tlga n after ng term ng policy m its either kumita or malugi ka.. kya pag aralan m muna tlga kung pra san b ung policy n kukunin m.

Pano po ba kong may Medical conditions po?

Agree maganda nakahiwalay life insurance, savings at investment ganito ginagawa ko

Pinilipit ako ng BM magpill up, ng vul. Ngaun gusto ko nlng ipahold ang policy ko para maicancel. Sana mkuha ko pa yung binayad ko 25k.

This is helpful, thank you❤️

Long term talaga ang VUL. Kung short term ang gusto wag ka mag VUL. Isa pa hindi ka lugi dahil insured ka all the time. Nasasabi mo yan kasi buhay ka po at walang sakit pero kung namatay ka in the middle yung million na coverage mo kahit pa 50k lang nahulog mo or 300k makukuha ng mahal mo sa buhay yung million. (Sabi ng iba eh namatay na di na napakinabanggan. Mapapakinabanggan ng mahal mo sa buhay yon masama paba yon? kaya sabi nga : rich people planning for generations, poor people planning for Saturday night). And about sa hulog tama yon hindi yung buong hulog mo napunta sa investment mo lang natural na may parte ang fund managers dahil habang nagbabakasyon tayo, habang nagtatrabaho tayo, habang kung ano ano ginagawa natin sila naka monitor sa funds oras din yun at yon ang hanap buhay nila normal na may parte sila. Isa pa yung sum assured ay bayad halimbawa 500,000 na nahulog mo tapos may sum assured kang 2 million don't expect nayung 500,000 na nahulog mo ay lahat sa investment natural may portion sa protection. Kaya Insurance + Investment. Ano advantage ng Insurance + Investment. Ito nayung sinasabi na rich people planning for generations. Kung buhay sila may portion ng insurance na at least may withdrawable. And sa side ng insurance malaking bagay yon. Una - kahit 360k lang laman ng fund value mo o 360k lang nahulog mo in total pero nadead ka 2 million makuha ng mahal mo sa buhay. Kung nasa bank yan o ibang taguan 360k parin ang makukuha nila dahil walang insurance. Pahirapan pa dahil di sa kanila naka name yung account unlike sa Insurance naka name sa beneficiary yon. Pangalawa - Yung insurance ginagamit yan sa mahalagang bagay tulad ng bahay pag financing may MRI yan , sasakyan bawal irehistro ng walang insurance ultimo cellphone ngayon may insurance na. Pag mag travel tayp abroad may travel insurance din why not bigyan natin mas malaking value sarili natin dapat insured din. At marami pang iba........

ilng days po process ng claims mo and ilng days po eto npsok s bank account mo

You learned the hard way. VULs are scams. The middlemen just benefits on this.

ako 12yrs eh.. potek kalahati sayang tlga kainis

Nasa first year palang din ako ng FWD set for life . 66k+ ang premium. Annual yan. I surrender ko na rin

ilang days o weeks mo naclaim ung fund mo?

Love the video! I love Radley!

Love the video! Sorry your weren’t feeling good and still came out with a video for us. I do the same thing with my garlic and freeze it. I buy the big bag from Costco and it lasts me about 2 months

3 years na lang oh Dun mo mas makikita yung benefits. kaya sya timed sya.

So kung personal mo iyan,keep it, dahil Marami nang benefits ang naka avail, anak ko naka avail ng 1M sa critical illness.Ang pinaka safe aside from bank is "insurance."

I guess your looking for investment not for being insured.. magkaiba po talaga yan. Safety net at income protection yan talaga Ang purpose ng insurance... VUL part is not guaranteed but I'll take it as a bonus nalang dahil kung ikukumpara ko sa hinulog ko sa makukuha ng family ko na mapapakinabangan nila in the event na Wala nang makakapagprovide saknila.

VUL (Variable Universal Life) is not merely an investment; it's a combination of insurance and investment. Here’s a clearer explanation: 1. Insurance Component: Part of your premium goes towards insurance, providing you with substantial coverage. For example, paying 36K a year can ensure you a million in cover, protecting you in case of unexpected events. 2. Investment Component: Another portion of your premium is allocated to investments. These funds grow over time and can be withdrawn anytime You're not at a loss because, over the years, you're covered by insurance and have an investment fund that grows and is accessible at any time. That’s the beauty of VUL. Traditional Insurance only covers you in case of death or accident. In contrast, VUL provides benefits whether you face an untimely death (insurance) or live a long life (investment). Understanding your financial priorities is crucial. This might have been an area where your financial advisor didn't fully address your needs. Ensuring your specific requirements are met is essential for maximizing the benefits of VUL.

Sa investment ka lang nag-focus???

i saw this vlog on my feed and i love how therapeutic it was to watch !!! you have my instant sub ^_^ <33

Hi

Mutual fund maganda yan parang nag savings kalng any time makukuha mo.

Financial advisor gusto lang nilang makabinta.

I love IMG marketing..

Mabuti nga girl kunti lang sayo, sa akin nga half million, ang iyak ko tlga ang laki nang binawas, hinde nmn kasi pinaliwanag nong advisor.

Yes tama ihiwalay nlng, yong life insurance kasi daw ,halimba daw maymangyari mawala na tayo yong beneficiary ay makakakuha nang 1.M. Ang mali kasi hinde pinapaliwanag nang financial advisors basta nlng kasi sila makabinta, lalo na yong walang alam.

Marami silang charges ,kung e full out u mawawala yong insurance ninyo.Lugi tlga..

teh ang b*tchy nyopo! halatang ang kaunti palang ng bawas o meaning di mo sha ginagamit ng maayos at ganun katagal but nagrereklamo kana! impatient! invalid review

Hi po! What if po, wala na akong baby book at nag move na kmi ng location when I was 7 years old so I had no way of getting my medical records? What do you suggest I should do po? Thank you.

Tapon pera sa VUL..

Love this cozy moments in your vid🥰🥰 btw, I reached out by email about collaborating. If you haven't received it yet, please check your junk mail. Looking forward to your response!

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Ma'am pwede po bang magtanong kung sino po ang pwede kung macontact about po sa NVC letter, gusto ko pong i follow up po, my receipt number na po kmi ng March 19, 2024, na approved po ang aming I-129F ng March 18, 2024

Tama naman, but then an again before you get an insurance as you said na may VUL. Ano ba yung goal mo bakit ka kukuha is it protection plan or Investment? Because insurance is a protection plan if you have a Sum assured of 1M or 2M if something happens to you at may anak ka at least may maiiwan ka para sa kanila. Baka naman di lang na explain mabuti na yung kinuha mo or binabayad mo ay hinahati sa dalawa protection + VUL. Kalahati nun for your protection plan then kalahati sa investment part. At yung Riders na part. Ito yung mga mis understanding pag di na Financial Planning ng mabuti. But great! At least you diverted it sa mas kailangan mo that now you have a better understanding of your needs. Thank you for sharing.

Can't you realise na the rest of that yrs insured ka? The first 3yrs nasa Fees talaga papasok yan nabanggit mo narin, maling mali ginawa mo, normal Traders know when to sell and when to buy... Pero nasa company parin yun, kung pangit talaga company na pinasok mo, eh hindi mo ma maximize yung fruits ng investment mo...

Anong insurance company po yun mam?

what insurance co?

Sa akin naging ok naman ang VUL ko ang aking policy [5years payment] tapos na ako sa paghulog nasa ikaanim at kalahating taon na ang aking fund value sa kasalukuyan ay fully recovered na sya, i was paying premium amount of worth 300k pesos per year (25k pesos/month) 1.5M for 5 years, kumuha ako bago ang panahon ng pandemic as in mababa talaga ang value nya during peak years of the pandemic pero tumaas din sya a year of pandemic dahil sa dami nga siguro na kumukuha ng insurances and investments sa ngaun sa ika anim na taon at kalahati ay may 1.9M na ako lagpas na sa aking 1.5M na ibinayad sa limang taon

Did you get similar statement from advisor that surrender charge is 100%?

Hello po bago palang po ako 3 months palang pero ayoko na ng insurance ko by the way sunlifemaxilink 100 po ang policy ko . may extra bakong babayaran ?

If mag surrender po ba ng policy need pa pumunta sa office nila or pwede po mag file online

kakastart ko palang sa insurance and I saw your video ma'am. Mas lalong nag fire-up ung urge ko na i-cancel nalang lalo't mabigat masyado para sakin ung monthly payment Ng insurance na pinasukan ko.

Hi maam, yung combi na ginawa ko, nag-apply ako ng toner tas after ay yung daily facial moisturizer w/spf 15 grabe biglang init ng buong mukha at leeg ko, any insight po?night po nangyari

mali po ung pagpapaliwanag ng Agent nio maam :) Ang VUL is not really investment, its Mainy Insurance , side dish lang po ung Investment.

Thank u for this po. Naliwanagan ako

Pwede po ba toner sa 14 years old?

pwede poba sa buntis Ang kojisan? Pasagot naman po??🥺

Hindi ba gain ung protection (life insurance) isipin mo nalang ung binayad mo ay ung risk ng insurer na magbabayad sa iyo pag bigla kang madedz