ACP vs AIO: The Battle of Whole Life Insurance

[@taureanj]

New subscriber here. Thank you Sir for sharing this, additional info na rin since limited lang nadiscuss ng FA ko. Got my ACP a month ago at mabuti nalang my FA asked first kung anong policy ang kukunin ko or kung anong benefits ang gusto ko.

[@djdimaliuatofficial]

You're welcome

[@Melojane89]

Hi Sir. Thank you po for sharing these information. very informative po talga and ang ganda ng mga products ng AIA. Pwede po ba gawa kayo ng video kung ano naman ang dapat gagawin ng mga taong maiiwan or beneficiaries ng policy holder once namatay or may nangyri d maganda, para po alam nila yung gagawin nila just in case. Kasi ang gaganda talaga ng products ng mga insurance companies pero d hinahighlight kung paano icclaim ng mga beneficiaries ang mga dapat makuha nila. Thank you po.:D

[@djdimaliuatofficial]

Sa AIA po kasi need lang magpunta da website at magfile ng claim dun

[@micomarinas2753]

sana ang mga insurance company pwede i-advance payment na example yun 5 years to pay isang bayaran na lng.

[@djdimaliuatofficial]

Pwede kung hindi VUL

[@alvintee6479]

Both needs.. But ALL IN ONE !! ❤❤❤ Kuha dalawa para mas malaki yung coverage..

[@djdimaliuatofficial]

That's nice to know :)

[@israels.m.3361]

That's what I did 🙂

[@djdimaliuatofficial]

Galing bro!

[@nikkilaurencio5515]

Pakiexplain Po Po Single pay VUL

[@djdimaliuatofficial]

May video po ako ng Single Pay VUL. Just search Philam Money Tree

[@melophile1486]

umabot po ako hanggang dulo ehehe 😅 pinag aaralan ko po kasi gusto kong ma insured ang mama at papa ko at ako.

[@djdimaliuatofficial]

Anong age nila?

[@melophile1486]

@@djdimaliuatofficial Ang Papang ko Sir 70 years old nitong November 5 2023 .. Ang Mamang ko Sir 59 sa May 21,2024. Ano po kayang magandang pwedeng iavail sa age nila Sir?

[@djdimaliuatofficial]

@melophile1486 term insurance sa 70 Yun 59 depende sa budget

[@geobanaag387]

Hi po sir. question on 9:19 minutes mark - "Waiver of Premium is not needed if mag kaka critical illness is ma teterminate na yung plan".. may ma rereceive nman na Critical Illness benefit si life insured dito naman noh? and possible ba dalawang ACP kunin if ever?

[@djdimaliuatofficial]

Yes may marereceive na critical illness benefit. And yes possible na 2 ACP

[@angelamariehugo2764]

Sa ACP once mabayaran na ang 10-20 years term insured napo ba up to age 100? Tas if ever po kaya ba na maka withdraw ng partial sa cash surrender value niya at ma insured parin up to age 100 after completing payment of 10-20 years?

[@djdimaliuatofficial]

Yes. Though pag nagwithdraw ka ng partial, it will be a loan subject to interest

[@killuazoldyk623]

​@@djdimaliuatofficialIlan percent?

[@ariestialco4583]

Sir what if may pre existing na illness? Kailangan ba ng medical sa acp?

[@djdimaliuatofficial]

Bka ndi maapprove. Ano ang pre existing illness na meronv

[@roxroe6731]

Newbie question po. Can ACP help you cover some of your hospitalization cost? Or is it just going to hand you down money (base on diagnosis) after being hospitalised?

[@djdimaliuatofficial]

It will not cover the hospitalization cost. If your coverage is 1M, you will receive the full 1M amount upon diagnosis and required forms filled up by you and your physician

[@juvybalanquit7324]

50 years non smoker ACP FOR 10 years computation and 20 years computation

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial

[@Viper-c5e]

Hi sir how much po kaya lowest monthly payment ni aio & cp100 thanks

[@djdimaliuatofficial]

Depende sa age eh. Pls send me your full name and birthdate for the quotation sa FB Page ko

[@gaizeltayag1707]

pwede po mag avail sir kahet nasa abroad p po..pweede po patulong sir..salamat po

[@djdimaliuatofficial]

Dapat po andito sa Pinas pag pumirma kayo e

[@JustineAprilJ]

Sir sorry kung stupid question haha what if I get ACP kasi gusto ko protected sa maraming possible critical illnesses, pero gusto ko rin sana ma-cover for accidents? What’s the best move?

[@djdimaliuatofficial]

It's not a stupid question :) You can get ACP then another Guardian term insurance where we can attach accident insurance rider

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial for the quotation

[@recieldapito6097]

Hello po bakit po may modal premium yung acp?

[@djdimaliuatofficial]

Yun po ang design ng product eh

[@recieldapito6097]

Sir sa reduced paid up po ba ay pwede gamitin kahit konti palang po yung cash value?

[@djdimaliuatofficial]

Yes pwede. Pero magiging maliit kang coverage mo

[@micomarinas2753]

so ok kunin parehas?

[@djdimaliuatofficial]

Best if meron ka tlga both

[@csvb88]

Hi! Is there a specific clause in the fine print that confirms guaranteed cash value (after paying completely) and decides to terminate the policy, for example at age 70?

[@djdimaliuatofficial]

Yes kasama sya sa quotation at nasa contract sya

[@gabrielfernandez-8047]

Guaranteed po ba yung cash surrender value?

[@djdimaliuatofficial]

Yes po