BTID vs VUL My honest and Unbiased Opinion as an Investor and a Financial Advisor

[@janmichaelvincentgarcia6988]

False analogy yung just because you’re into stocks eh you’ll have to watch the market daily. There’s something you call passive investing. Also, why would you call VUL an insurance with an investment component if you’ll just treat the investment part as savings?

[@djdimaliuatofficial]

So that your mindset would be not looking for quick returns. Example if you paid in 10yrs then ang account value mo is pantay lang vs sa nahulog mo, in reality kumita ka kasi part of what you paid ginamit sa insurance eh. So your fund started lower but was able to go to breakeven lets say.

[@webweb3968]

True. May mga mutual funds and mga money markets at uitfs. kung wala kang time mag monitor ng market, that will do. WALA PA MSYADONG BAWAS. And based sa mga historical data ng mga insurance companies, hirap na hirap sila mameet yung index

[@jezreellehortaleza3143]

@@djdimaliuatofficial Question po... what’s the best way to save up for the educational plan of my child? i understand halos lahat ng educ plan ngayon is vul type... are there any other options?

[@djdimaliuatofficial]

VUL po tlga. If not VUL you can invest in a mutual fund or directly to the stock market

[@mynameismalia7605]

@@jezreellehortaleza3143 meron traditional insurance for educ fund..

[@millionairemindset2024]

Mas naniwala siguro ako kung hindi ka connected sa insurance company where you offer VUL.

[@GregGuanlaoYTC]

Ano po yung edge ng AIA Insurance as compared sa AXA, Sunlife and PRU Life UK? Thank you.

[@djdimaliuatofficial]

These are all good and stable companies so it will be about your financial advisor. Yun ang mas important choice

[@aldreyjohn4015]

Stay safe sir. ang galing nyo. walang bias

[@djdimaliuatofficial]

Thanks!

[@markamable6758]

So sir mas ok po kung both ako kkuha nang term and VUL? Kc balak ko dn po tlga iscattered dn ung funds ko like sa stocks, coporate bonds ,pag ibig mp2 ,etc. Im 25 and iniisip ko ano ms mganda kunin kng term or VUL . Malaki kc ung premium ng VUL kya ngddaawang isip ko. D ktulad sa term cheap lng pero malaki ung coverage or kng ung iinvest ko sa VUL pde ko po ipasok sa pag ibig mp2?

[@djdimaliuatofficial]

Great question, depende tlga sa goal mo eh. Of course if you can afford mganda na meron both. Now the question is, ano priority mo today: A. Income Protection B. Health Fund C. Education D. Retirement

[@markamable6758]

@@djdimaliuatofficial Ung term is more likely death benefit lng po talaga po? wala pong living benefit unlike VUL? Kc ngtnong po ko sa isang agent sa Pru wala daw po riders like hospital income sa kanila ang term then minimum 15 yrs daw po ang term skanila which is renewable. Priority ko po kc is retirement hanggang bata pa po pero gsto ko po kase mginvest in different instruments stocks or mp2 sana and ung sa term is ang mura po tlga annually which malaki ang covered.

[@djdimaliuatofficial]

Yes death benefit lang tlga ang term. That’s why you invest sa ibang funds.

[@djdimaliuatofficial]

Nakakabitan ng hospital income rider ang term namin so maganda dn tlga if thats your goal

[@markamable6758]

@@djdimaliuatofficial ah okay po , anong insurance company po kayo? Iresearch ko po :)

[@ATOMpyroworks]

hi sir. can you also discuss top-up on investment side ng VUL. thank you in advance

[@djdimaliuatofficial]

Sige po

[@donnamichelleeee]

I am finally enlightened! Thanks to this video and thanks to you!

[@djdimaliuatofficial]

You’re welcome!

[@veron2677]

Hi sir ng invest po Ako Ng VUL Ng BPI. Jan 08, 2021 ako kumuha till now because sa negative na feedback gusto ko cxa I cancel but my ibang friends ako nasabi na iyltuloy lng baka mg grow p ang money my iba din advice me to withdraw now baka daw mas madami p mawala .this is a ten years na vul

[@djdimaliuatofficial]

Dapat po clear tyo sa goals natin sa pagkuha eh. Kasi iba iba tlga kada tao

[@richardruaya6198]

hi po, ask ko lng po so far sa insurance na may vul po ano ung pinakamataas na projected interest rate na naibigay so far sa knowledge nyo po Sir ?thank u sa pagsagot, kasi sa mga proposal na ini example 10 or 12 percent pero in actual po like 5 years ago up to present mag kano ang naibigay

[@djdimaliuatofficial]

Sa proposal 10% kasi tlga highest. Pero depende tlga yan kung kelan k kumuha at sa performance ng stock market. May years na kaya 10% or more. Pero ndi tlga nangyayari yearly in my experience

[@richardruaya6198]

@@djdimaliuatofficial how about last year po Sir magkano naibigay ? and thank u sa pag reply

[@djdimaliuatofficial]

@@richardruaya6198 Honestly wala akong data, kasi hindi sya ganun kadali icompute eh, depende din sa fund na pinasukan ng VUL. Kung equity fund, bond fund, balance, etc

[@melgallardo2012]

Realistically 5%

[@thatgirlsharmaine]

Napakalinaw ng explanation. Good insights. Subscribed! :)) Thank you po!

[@djdimaliuatofficial]

Thank you!

[@delyolidan3748]

Good evening Sir DJ. Am 59 yrs old and I want to have additional life insurance. What plan can you recommend?

[@djdimaliuatofficial]

Depends on your budget. Marami pa pong options for you depende lang how much you can pay annually

[@delyolidan3748]

@@djdimaliuatofficial Good evening po. Am targeting on term insurance since it is more affordable. It was timely to have watched your vlog. Thank you. Speaking of budget the lowest premium with 1M face amount.

[@djdimaliuatofficial]

Message me at my FB Page

[@Cha-q8r]

True sir investment LNG tlga ung VUL,f insurance tlga target mo get ka ng BTID

[@edenenrico5402]

Hi Sir DJ. Im 58 y/o male, im interested to have term insurance with rider. Please advise whom shall i communicate & contact #. Salamat

[@djdimaliuatofficial]

Pls contact me at my FB Page DJ Dimaliuat facebook.com/djdimaliuatofficial

[@itsyourboyyeahmen9895]

Good day po. tanong ko lang po kung yung VUL po is lumalaki rin po ba yung charges when get older? thanks and godbless

[@djdimaliuatofficial]

Yun insurance charges yes. In all VUL Policies. Cost of insurance ang tawag dun. But take note that as your account value goes up, the “insurance” you pay for actually goes down.

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial what do you mean sir?bakit ganun po yung VUL?

[@djdimaliuatofficial]

VUL kasi is like Buy Term Invest the Difference din. You are paying the cost of insurance every year. Just like buying a term insurance. Siguro I will make a video explaining all things involved here ksi this is a very good question

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial sige sir thanks po. pero diba po ang pinepresent na projection ng VUL is naka charge napo dun yung overall cost?

[@djdimaliuatofficial]

Yes tama ka

[@BLACK_HEART_1993]

May nag aalok sakin sa manulife adam ba yun.. Tanong ko lang po kung VUL po ba un?? Salamat

[@djdimaliuatofficial]

Not sure. I think hindi

[@gracemalabayabas7472]

Sir kumuha po ako ng VUL And according to my FA I will just have to pay 10yrs then I'm insured up to 100yrs old. It is true na talagang 10yrs lang ako magbabayad? What if ma drain na fund value mo? Sorry this is first insurance, and since wala tlg ako masave I decided lang tlg kumuha since may special child ako. I'm just afraid na baka after 10yrs bigla sabihin FA ko na I still have to pay.

[@djdimaliuatofficial]

Hindi sya guaranteed. Depende tlaga sa performance ng market. If maganda naman then you don't need to pay. If ever naman ok lng dn ituloy ang hulog as if savings mo sya. Nadadagdag sya sa investment mo

[@joshthecelibate1900]

Hello po. Active Health Invest po yung VUL ko. Meron po cyang 200 pesos na administrative fee buwan2x after 10 yrs at 100 per month before ten years. Meron ding PAMI Equity Index Fund na 1.2% na ibabawas sa account value mo annually at subject to change ito without prior notice. Paki check nlng po sa contract nyu dahil hindi rin ito sinabi ng FA namin nung kumuha kami ng VUL. Kung hindi ka mag top up after 10 yrs for sure di ka pa aabot ng 100 mateterminate yung policy mo dahil dun sa fees na binabawas nila.

[@jaysondelacruz2426]

Sir nakabili ako ng vul for 24k per yr. After 10yr. Pag hindi ko to winithraw at gusto ko ituloy dito ba ibabawas yung hulog ko yearly o Wala ng babawasin sa upon ko? Tnx

[@djdimaliuatofficial]

May minimal na ibabawas na cost of insurance depende sa difference between your face amount and your current account value

[@johnmarkapilado7212]

How can you say na unbias eh you work for insurance co. Kung hindi ka sana connected/affiliated then its fair for everyone and to your viewers.

[@ZellosMetallium13]

Ang galing nyu pong magExplain... Soon magconsult po ako sa inyu... Thanks

[@djdimaliuatofficial]

Sure message me lang

[@mavelgonzales1864]

Hi Sir, I just got my VUL from sunlife, its actually a lifetime payment. Parang wrong talaga pagka kuha ko kasi yub yung unang binigay ni FA wala rin akong idea about insurance. Ngayon po sa pagigin addict ko po mag watch about Term and VUL i came to realize mas maganda ang term para sa isa g tulad kung single mom. Okay po bang e end ko nalang yung VUL na kuha ko.. ang proceed with term insurance. May nagbigay po kasi nag quotation from AIA at ma gustohan ko po yung may rider na term. Hesitant lang po kasi ako mag sabi ng FA kasi friend ko cya 😬

[@djdimaliuatofficial]

Ok lng naman if willing kyo na mawala na un binayad nyo sa VUL

[@marynorcvi]

very true! I agree with your opinion Sir ❤

[@djdimaliuatofficial]

Thanks! :)

[@itsyourboyyeahmen9895]

Sir tanong ko lang po kung automatic renewable po yung yearly term insurance sa philam? thanks

[@djdimaliuatofficial]

Yes no need for evidence of insurability. You just need to pay

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial what age po or kelan po kelangan mag submit ng health medical exam for applying life insurance?

[@djdimaliuatofficial]

Depende yan. Thru my interview you can declare if may health concerns ba or hindi. If wala naman we can proceed with standard application. Wala nane medical unless may makita sila sa centralized records ng hospitals. Insurance companies have access kasi sa ganun info.

[@djdimaliuatofficial]

Once approved ang policy mo kahit may sakit kna basta nagbabayad ka tuloy lang ang insurance

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial maganda po talaga term insurance kaso i start napo mag VUL mag 2yrs narin po

[@lenlenoliva2591]

Sir, anu po ang pros and cons ng pagkuha ng Vul?? Anu po mga worst scenario sa pagkuha ng vul?

[@djdimaliuatofficial]

Worst scenario is hindi kumita investment mo pero insured kapa rin

[@zherinakaereyes3721]

22 yrs old ako sir, tingen nyo po, ano ang the best para sakin jan sir?

[@djdimaliuatofficial]

Ano po ba goal mo?

[@macysallydaproza5485]

Hi Sir., I want to get an insurance plan sa Philam life ? anong products po kukunin ko? I am 40 y.o

[@djdimaliuatofficial]

Depends on your goal. Let us have a consultation . Message me at facebook.com/djdimaliuatofficial

[@djdimaliuatofficial]

message nyo po ako, magkano budget nyo?

[@Arnoldong1987]

Nag apply po kasi ako ng BPI PHILAM LIFE THRU ONLINE PO SIR OKAY BA YUN SIR OR SA BRANCH PO NA MARAMING TAO

[@djdimaliuatofficial]

You mean bumili k ng insurance sa knila sa bank? or nag inquire pa lang?

[@Arnoldong1987]

Nag avail napo tlga ako sir Nagbayad ako ng monthly premuim po at saka po 4weeks napo wala parin akong narecieve na feedback kung na approve ba ako Sir

[@djdimaliuatofficial]

Ah ganun? Ang tagal naman?

[@Arnoldong1987]

Thru online po yong procedure po yong nag apply ako pero nag bayad ako sa Bank po sir

[@Arnoldong1987]

Sorry 4days pala sir hindi pa 4weeks Safe ba ang pag aapply sa online procedure sir or sa Bank po

[@javier.alvarez764]

Galing mag explain sir ah hahaha. Kapag naintindihan talaga ng iba at naging believer ka na ng insurance madali na sya ibenta. Problema lng lagi ang budget ng mga pilipino.

[@djdimaliuatofficial]

Salamat

[@djdimaliuatofficial]

Salamat

[@djdimaliuatofficial]

Agree ako dito

[@nti-scam]

Goood pm! Mr. Meron din akong VUL pa help naman, i have health invest & money works

[@djdimaliuatofficial]

How can I help you?

[@nti-scam]

@@djdimaliuatofficial im looking for additional money works pero wala na raw

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial so I can assist you

[@kaidohjericson]

Best explanation!

[@djdimaliuatofficial]

Thanks!

[@iampsyche11]

Sir, pano po mag-apply as FA? Need po ba degree holder?

[@djdimaliuatofficial]

Hindi naman required tlaga. Ano work mo now? Message me in my FB page dun tyo mag usap

[@jezreellehortaleza3143]

Question po... what’s the best way to save up for the educational plan of my child? i understand halos lahat ng educ plan ngayon is vul type... are there any other options?

[@djdimaliuatofficial]

VUL, mutual funds or stock market

[@Petrarche]

On investment, with the Index fund as an example. 1. Anong klase savings plan may outright charge of 3-5% every time you add to it? If somebody wanted a savings plan, mas mabuti pa ilagay sa digital banks ngayon. Instead of that outright charge, guaranteed pa 3-5% interest per year. 2. Paano ng dedevelop ng discipline ang VUL? Dahil my agent mangungulit kung due na ang premiums? Kung investment advice kailangan ko, I would to go to a Certified Investment Solicitor, not a financial advisor whose main purpose is to sell insurance no matter how you sugarcoat it. 3. You don't need time to learn how to invest if Index fund lang naman ang VUL mo, which is what I see in most cases. It's a passive fund. Walang ginagawa ang fund manager diyan except to follow what companies are listed on the PSEi. Enroll in a UITF sa bank or mutual fund and they will do exactly the same thing, except lesser charges than a VUL.

[@djdimaliuatofficial]

Agree with everything you said, it's just that based on experience may binabagayan talaga ang VUL at ang BTID

[@gels.5360]

Daming charges ng VUL. Before kayo mag avail..researc research research

[@lorenzalarona5727]

Sir Kapag naospital ka po b sagot ng insurance lahat ng magagastos sa ospital kung vul ang insurance ko sir

[@djdimaliuatofficial]

Hindi po. Usually walang hospitalization benefits ang VUL. Kung meron man daily hospitalization reimbursement lng na 1k per day or a bit higher

[@lorenzalarona5727]

@@djdimaliuatofficial eh dpo b may critical illness benefits sagot ln po ng vul yun per day sa ospital

[@djdimaliuatofficial]

Kung may critical illness rider, may makukuha ka lang kung madiagnose ng critical illness. Ndi un normal na sakit lang

[@lorenzalarona5727]

@@djdimaliuatofficial ah ok maraming salamat po and goodluck po sa channel nyo ngayn ko ln naiintindihan yun life insurance ko..

[@djdimaliuatofficial]

Salamat

[@emmanuelnavarez3211]

Sir Thank you Very Much for this informative Video.🙏🏻 Actually sir may tanong po ako. Sa VUL po merong Face Amount which is the Death Benefit coverage Meron din pong Accident and Health coverage At meron din pong Critical illness Benefit. Base po sa researches heart diesease or heart attack ang pinaka nangunguna in terms of critical illness. What if po may isang Client na nagmamaneho ng kanyang sasakyan and suddenly bigla po siyang inatake sa puso which is the Critical illness. Tapos dahil sa inatake siya nawalan siya ng kontrol sa pagmamaneho niya at bumangga siya which is the Accident. Tapos nadala po siya sa Ospital either dead on arrival po siya or meron pa pong ilang day na nakasurvive siya bago namatay. Tanong po. Makukuha po ba niya lahat ng benefits niya sa 3 coverage po ng Face amount (death Benefit) Accident and health And Critical Illness?

[@djdimaliuatofficial]

Face amount at accident lang po Un Critical illness usually may survival period na 14days. Bago mabigay ang proceeds ng critical illness

[@emmanuelnavarez3211]

@@djdimaliuatofficial Copy po Sir. Thank you po sa Sagot. Stay Safe po More power and God Bless you po. 😄🙏🏻

[@djdimaliuatofficial]

You're welcome