MY 7 INSURANCE COVERAGES PHILIPPINES | All my life and health insurances | HMO, Permanent/Term Life

[@JadenYael]

I only have 2 policies. 1 with Manulife, around 3,535 monthly and I have 1M life coverage. It also has an investment on the side. My 2nd policy is with PRU LIFE UK, am paying 4K monthly and I have 2.6M life coverage and with an investment on the side. I have my HMO and of course Philhealth as well. This is a nice content. Mahalagang naghahanda tayo para sa future.

[@bukidadventurist9033]

How to avail SA Manulife po? I am interested po. Pwede po ba Yan SA magamit SA parents id nagkasakit cla?

[@angeluy32]

You already have a very solid financial foundation. As early as now, you are already secured and well on your way to retire at 45. I shared your YT channel to my daughter who is about to start her own career. Excellent content. Kudos. :)

[@Ddcgb]

3 days ago my YT is filled with mukbang, gaming and beauty videos. but now it's filled with ready2adultph, nicole alba, marvin germo, mark tillbury and many other finance related channels haha

[@CharmdeLeon]

😂😂😂

[@tourjunevloguae.6002]

@@CharmdeLeon pls pm asap.

[@barbaraaraojo504]

Same goes to me 😂😂🥰

[@LifewithIvanFrancis]

Same hahhahaa

[@ViserysThePeaceful]

Ok naman lahat except lamg si MG 😅😅😅

[@gabrielleiyya]

At first I was thinking that you’re probably privileged that’s why you're able prioritize all these financial “hacks” but you mentioned that you’re a breadwinner and now you’re helping young people like me through making these. Just want to say that are amazing for this and keep making videos!

[@CharmdeLeon]

❤️❤️❤️

[@emperorknight8806]

May I know how you're able to pay every insurance and investments you have at a very young age up til now. I think this is hard for a person who belong to lower middle class families. How much do you have to make every month to cover all of these?

[@CharmdeLeon]

@@emperorknight8806 I’ve been trying to build up a few of sources of income (like 5-10 sources, example kahit min wage each, that’s P50k-P80k. It’s is a great goal for monthly income, in my opinion.) #sidehustle 😂

[@axllejakosalem5459]

She really is just amazing love u charm ❤️

[@CharmdeLeon]

@@axllejakosalem5459 awwee love ya, B!

[@princessmargaret601]

for a young person, you are very responsible for starting early

[@CharmdeLeon]

😊

[@markangelogarcia2584]

well she's most likely BLESSED with a well off family

[@jonrygantalao6545]

I agree po Mam. Yan yung biggest regrets ko not to get as early as l could, pero God if good. I got my 4 policy at late 20's now my VUL is gaining.

[@CharmdeLeon]

Hey R2A fam! Please Note: 1. By no means am I endorsing you all to have all these insurances from different companies, I am merely showing you guys what I have. 2. If I knew the things I do now, I would actually choose to get maybe only 2 permanent life insurances and buy term for the rest and invest the difference (BTID) Thanks!

[@franchetteguerra344]

Hi! New sub here! 💞 It would be great if you can create a separate video for the note #2. A separate topic i guess to discuss on explaining further the realizations and differences between permanent and term insurances 🙂

[@gerlynkeny8984]

Ask ko lng Po paano mag apply ng maxicare may dalawa Po akong insurance sa Ngayon gusto mag open ng maxicare insurance

[@Kwestyon]

Because of you, I decided to get a whole life insurance from Sun Life and Philam Life. It's really worth it since I'm hypochondriac at times. Insurance used to be a topic that I try to brush off and even think of as a scam. Not anymore. More power to this channel and keep educating more Pinoys. And oh, you share the same name with my sister. :)

[@CharmdeLeon]

That’s amazing! Glad you’ll have peace of mind now. Thank you 😊

[@recristyarnado]

Bakit hindi po sa pru life uk po? Hindi po ba ok ang pru life uk kc kukuha sana ako pru life kaso nag research pa ako if ok ba ito. Thanks!

[@_scoutfinch]

​@@recristyarnadofor me okay naman ang pru life compare to my sunlife

[@dranrebmanuel2347]

This woman deserves atleast a 100k subs.

[@CharmdeLeon]

Awwee that’s so nice. Thank you. Long way to go!

[@majeda.2101]

The real test of insurance companies is when there's a claim. Some insurance companies refuse to pay when there are multiple coverage (other policies with other companies). This could be found out either by reading their insurance policy or when there's a claim. Insurance companies are businesses that aim for profits after all. They don't care about our well-being.

[@karshi1290]

ibig po sabihin better na isa lamang ang life insurance? bakit po ganon yung policy nila ano po care nila kung may iba pa insurance sa iba company ehehe

[@charmespino5611]

Very informative and inspiring content 🥰. Soon, hopefully there will be no FILIPINOS left behind, may we all be financially literate enough to break the FILIPINO CULTURE (retiring with not enough or no money at all, leaving all the responsibilities to our children.) 7 insurance policies is highly suggested, of course if we are financially capable why not, if not us, it’s our family, our loved ones who will benefit from it ❤️😊. Charm also, from PRULIFE UK ❤️!

[@marlonlatongan6044]

Sana all... Sana all Filipinos appreciate or have the initiative to be insured. Marami KC sa mga pinoy, eh "allergic" na pag narinig ang "insurance". ung 2nd insurance policy nyo Manulife, kahit mababa Lang coverage, maliit cost of insurance, mas mabilis lumaki fund value. So it's a VUL na more on investment especially if DB option 2 ung pinili nyo na death benefit. Basic life is covered Kau until age 100, and accident coverage is covered Kau until age 70. By the way, new subscriber here. More power to your channel.

[@gladysbriones416]

I wish i had this kind of mindset when i was in my early 20s. You really have to start young you guysss.

[@mv-pn6ci]

Good thing i watched this video coz i just bought a policy with axa ..i was worried that there were a lot of bad comments since it was vul ..i got enlightened as what is the main reason why i bought it w/o even asking the details of if.. but to make it simple i just wanted to feel at ease in case something happened to me since im a single mom the investment part is just a bonus..i guess the next insurance i need to get is to ensure the future of my son..😘😘😘

[@NikkiBVlogs]

Thank you for sharing this! I'm eyeing on Philam Life AIA All In One more so because of the big critical illness benefit of 2M! With all that is happening nowadays, I don't wanna be caught unprepared lalo na yung investments ko are not that liquid.

[@CharmdeLeon]

Welcome! ❣️

[@CharmaineAlmasen]

Yaaay for personal videos! It inspires me. Plus, I know you are sharing these companies because of your own experience and not only because you are sponsored. 😊

[@CharmdeLeon]

I wish I was sponsored by any of these companies. Maybe in the future 😂. Love ya, Cha! 🤗💕

[@tonytruff]

Get a term life insurance in Singapore. There's a higher premium for foreigners vs locals, but the premium you'll be paying for the same coverage is way cheaper or you can get a way higher coverage for the same premium you're paying. Please do your own research though as to the ease of claiming if ever, but yeah, I know someone who even flew back and forth just to get his insurance and still saved so much money.

[@neosj18]

OMG! Your such a good teacher, i learned tru your experiences! In just 1 video almost covered everything i need to know, thank you so much!

[@samantha1247]

I learned a lot from you ever since my friend suggested me your vlog and I can relate as what Charm said with regards to risks and mistakes in deciding to get a specific insurance. I'm still learning and thankful at age of 29 I have a couple of insurances to secure the future of my family. My goal now is to increase or create more income now that I have insurances to pay yearly 😁

[@joymiasco4851]

I got my AXA Health Max at 65 when I was 27y/o and I'm satisfied w/ the policy. Hoping I could also do an investment next time. Preparing for your future is the best thing that you can do.

[@raketengineer]

I was amazed by the table of current coverage on your bullet journal. My mentor keeps the same info with the format for every client ghat she services. It's easier to check and update needs analysis by keeping thag table 💚💚💚

[@CharmdeLeon]

oh wow! Really? I just made that up before I got my last insurance so I can clearly see everything in one glance 😂

[@jennehdauz]

Hearing that "breadwinner" word.. I want to get all your insurances too! I'll wait for the investments video 🤗🤗 thank you for sharing this! 💓

[@melissalaresma8361]

Hi Mam, good evening, lic advisor ako from Philam, bka makatulong ako sayo. My cellphone # 09239103267. Feel free to message anytime. God bless.

[@rrenguerra6365]

Thanks for sharing this! I could see a sulit value from your Axa policy over the other insurances you mentioned.

[@merydelparcon6604]

Wow I'm impressed of how you really valued the importance of insurance😊. THANK YOU for the very informative content.

[@alyssahabaluyas7259]

Good evening. Yes, we would like to have another video focusing on investments. Thank you and more power!

[@CharmdeLeon]

Definitely! 💕

[@TheFrustratedItinerant]

While watching this vlog, I regretted so many things (investing in these insurance policies is one of them) that I didn’t do when I was at your age. Thank you for sharing these eye-opening pieces of information. 🙇🏽‍♂️

[@jennelynbajado4393]

Hi Franz, I'm Elyn, I'm a Licensed Financial Advisor, you may message me anytime, willing po ako sagutin lahat ng inquiries ninyo about insurance if interested kayo para mas maintindihan niyo po nang maayos.

[@amarispait2589]

Same herer...if we.can just turn back the time... But still . Positivr people one's says. Di pa Huli ang lahat.

[@josephcaesarjavieralfafara9247]

Hey charm! This is a really informative video. Young adults need to have an insurance plan in place because it is easy to acquire at a young age.. more important than the premiums paid... Is the health of the person... get it while we all still can :)

[@CharmdeLeon]

Thanks, joseph! 😉

[@jongenese]

Great to know na merong mga young adult na fully aware sa mga ganitong bagay 🙂

[@ryeiasatani]

Hi! I hope you're doing great today! I’m Ryei, Financial Advisor from Sun Life Philippines’ Top Unit. Would like to ask if you have been assisted already regarding your financial plans? I’m willing to be of service to you online and to answer all your inquiries regarding investments, insurances, and health protection. 🙂 Thank you!

[@JanVergelYOLO]

Come accross your channel coz I'm curious about my insurance with AXA; just want to listen to other policy owners too about their own experiences. At the moment may 2 policies ako with AXA life basix and both are 5 years na, I'm based here now sa 🇬🇧 and applied with Vitality here, interesting to know nka tie up ang PhilAm life ng Pinas sa Vitality. New subscriber of your YT channel here. 😊

[@JanVergelYOLO]

Just wondering if may Sunlife ka?

[@jafiafresado7492]

I just passed my boards and waiting for job offers nalang. Tysm for your videos talaga because now I know what to consider for HMOs because I really didn't know that.

[@im-annms]

Just discovered tour channel a week ago and **** I AM INVESTED WATCHING TO IT NAAA*** Im 28 yrs old and regretted not being educated about this stuff few years back. Yey to late bloomers sa adulting phase! 😂

[@CharmdeLeon]

Early parin yan, woohoo! Welcome to the channel!

[@gladysadduru9331]

Your vlogs are indeed the most worth watching of all! Great content! And, I really love the way you explain and deliver your thoughts. I like you, girl! ❤

[@janrobinnarvaez9889]

Thank you for the videos!

[@MhekayChannel]

Im searching for Best Life Insurance Company and Health Insurance and Drop by here,,, Interesting and I learn ☺

[@dolce.luna08]

MY INVESTMENT PORTFOLIO soon po! ♥️ rewatching this vid as I get my first insurance. ♥️

[@melissalaresma8361]

hi pretty Chatmi permission to comment mam Zarah. Thank you. God bless. Hi Mam Sarah, lic advisor ako from Philam, bka matulungan kita. my cellphone # 09239103267. Feel free to message anytime. God bless.

[@markdarrylleperez9219]

Wow, sana lahat ng millennials e may Mindset and Priorities na katulad sayo. Great Job. 🙆🏼‍♂️ Mark Darrylle M. Perez Manulife Financial Advisor 💚

[@lpt2589]

Got 2 health insurances sa fwd planning to get vul soon, inuna ko muna health since my sister and mom got diagnosed with breast CA. Nice content 😊

[@andreaalexisrivera344]

Hi! I'm a Financial Advisor from Sun Life. We have insurance with investment policies :)

[@ejdaddy3161]

@@andreaalexisrivera344 how much po term insurance nyo?

[@andreaalexisrivera344]

ej daddy it depends po sa age,gender and smoking habit. You can add me here po for more info facebook.com/riveraaa18

[@catherinesaure5036]

Hi Im from Axa Philippines! Wanna share with you the benefits. You may contact me at [e-mail] or 09274140504

[@rejoiceestopa]

Philam Vitality is Awesome OMG!

[@screamofsilence3330]

Hi ma’am, try no po mag-invest din sa Pag-ibig MP2. Baka dun natin mahanap ang ating forever.✌️😂

[@CristinePOgong]

I've been waiting for this kind of content 😍

[@CharmdeLeon]

🤗 💕

[@catherinesaure5036]

Hi Cristine! Im from Axa Philippines. You might be interested to get an insurance. Lets talk about your future.

[@catherinesaure5036]

You may contact me thru my email add [e-mail] or 09274140504

[@earthsorneo]

New subscriber! Glad I found these videos of yours. I myself have a 1 VUL and also investing in the stock market. I'll definitely be gaining more knowledge with your content. Keep it up! 🔥🔥🔥

[@CharmdeLeon]

That’s great!! If I knew more about investing earlier, I would have kept my permanent insurances to maybe 2 or 3 then Buy Term (BTID)

[@roybiz2010]

Very nice content young lady, hope more young Filipinos will follow the same path. Keep it up.

[@ItsMeGrasshiella]

i find this video really helpful. thank you so much . I honestly had eureka moments esp when i learned that there is a free life insurance in CIMB. with my money sleeping in the bank id rather put some in CIMB to get a free life insurance while im still looking and studying for the best insurance with a good investment fund, though im also eyeing for AXA. God bless your channel.

[@mich3188]

I used to have a lot of insurances but terminated after a yr or 2 of paying and instead bought a property that appreciates every yr..but I kept philhealth that pays mostly of d hosp bills and another one to pay off the balance.

[@steffiefano7857]

What’s that one insurance you retained?

[@maycortega2849]

At a young age you are already investing for your retirement.thumbs up for that

[@CharmdeLeon]

Thank you 😊

[@kylaaa9739]

Looking forward to your investments video 😊😊😍😍

[@mlzae248]

Wow thankyou po for this video. Kasalukuyang nag bbinge-watch ako ng mga contents mo sobrang ganda hehe madami ako natututunan 🥰 Ako I got my life insurance pagkakuha ko ng 1st job ko 22 yrs old ako nun hehe 24 yrs old na ako ngaun hehe medyo napa-aga ata at sobrang na-excite kasi mas nauna sya bago ko sinimulan i-build yung emergency fund ko hindi dapat pala ganun haha pero oks lang importante nasimulan na haha. Tapos planning palang ako na kumuha ng health insurance din na 10 yrs or 15 yrs to pay.. tapos hindi ko alam kung tama ba yung mga ginagawa ko pero nag open din ako ng mp2 pag ibig account 1 yr na din ang nakalipas haha masyado ako naeexcite kailangan ko pa siguro mag binge watch ng mga ganitong content at mag basa basa para mas may malaman pa ako about finances. Hehe looking forward din na may matutunan ako about investing hehehe.

[@melissalaresma8361]

nkkabilib naman this pretty girl!! very responsible. God bless.

[@jennifervillacarlos4899]

I am glad, i found this video. Truly has the quality content I need. Looking forward for he BTID video. Thank you so much. New sub here! 🙂🙂

[@desatienza3239]

what I noticed is napakamahal ng insurance sa pinas. Even the term insurance. Here abroad I pay only less than €130 (php 7800) yearly for life insurance (coverage: php 6M) + accident insurance (coverage: 1.5M). Nung nagpaquote ako sa pinas 7k quarterly ang baba pa ng coverage and death lang. Ps. Wala ditong health insurance since ok ang health system in Europe.

[@shyrahorca]

Agree mahal s pilipinas Ang mga insurances

[@PeterParker-hf8ok]

I'm paying 600 pesos for a 7.1m pesos na life insurance :D may critical illness din dito pa sa UK :D

[@er92win]

yup right kasi napakalaki ng cut ng agent ng insurance 45percent per policy...

[@dolce.luna08]

Ayyy...ang mura nga. :( Siguro kasi madami din kasi meron insurance dun unlike dito.

[@alvs4477]

Oo nga sis napansin ko nga mas mura sa abroad kesa sa Pilipinas ewan ko kung bakit ganun.

[@sheeenaaaa]

Ive been binge watching your videos lately. Im a new subscriber. I love your channel, very informative and easy to understand for someone who is financially illiterate, like me 😂 more power to you! ❤

[@CharmdeLeon]

Thank you! Welcome to the fam ✌🏻

[@Carlo-zk2cy]

I hate it when FAs are being too aggressive on pushing their VUL product. They went as far as discouraging me to get a term insurance without even asking my current financial status.

[@Itsmearaofficial]

Sorry to hear that carlo , you might consider Prulife UK for term insurance , i can give you a great proposal. Here’s on how you can reach me out [e-mail] 😊

[@rollandonayre6954]

Wow! Salamat at napadpad ako sa ganitong YT channel... Maam, meron po aqng benlife since 2012 so ngayong 2022 mag matured nah. Ok lng po ba ang benlife?

[@nat_tfv]

Amazing video as always, Charm!

[@CharmdeLeon]

Heeey! Sure. 1. Before I turned 25. So companies consider your age differently, some has the +/- 6 months rule and some really follow your birthday. I believe I got this 1 month before my bday but I was already considered 25. 2. Both funds had different growth percentages but I only based it on the middle projections to be conservative but not too conservative haha (ie 4%, 6%, 8%-I take the 6% value 3. I would have gotten 1 VUL, 1 OR 2 whole life, and then BTID (definitely). Before I thought that I had such a fast paced lifestyle that studying and focusing on my investments seems impossible. But I’ve definitely grown since then haha

[@louwiesoledad8690]

Meron na ako 4. Plus 1 dahil sa CIMB, pwede pala i link gsave dun. Salamat sa info. Nkita ko lang videos mo dahil naghahanap ako affirmation sa mga ginwa ko decision sa pagkuha ng insurance. Also, I’m watching your stock market 101 on repeat, at mabuti naka playlist na rin sya yeheyy

[@CharmdeLeon]

Welcome po! Happy learning about the stock market!

[@mdbejec7935]

So young but already that mindset.. Sna All😂 I hope my younger self is just like u,just recently buying life insurances,hope is not to late for me,by the way Im 45😊

[@eleef.6686]

Nice! Thanks for this! Waiting for the investment vids!!! ♥️

[@ijonlancepatanganbigwas4751]

So pwede palang kumuha more than one insurance? Amazing 🙌

[@Luna-gb4bh]

I’m a new subscriber and I really liked the content of Ms. Charm but I think the title is a little misleading?? Like just slight haha. As she said she has the following, (1) PhilHealth - Everyone has this (2) AXA (3) Manulife (4) FWD (5) PhilAm AIO (6) CIMB - Free I assume (7) Maxicare - HMO from Employer Technically, Charm is paying for 4 premiums for 4 insurances. Medyo misleading lang na 7 yung insurances na people will assume may binabayaran kang monthly premium hehe. But I get it na considered as life insurance naman talaga sya hehe. Please don’t bash me, I really like contents like this. I’m sure Ms. Charm will understand hehe.

[@CharmdeLeon]

Hi, thanks for the feedback! Yes I actually considered this and made sure to say “Insurance Coverages” and not “Insurance Policies” 😊 I also tried to keep on saying that it includes both my life and health insurances but I get how it can be misleading if taken at face value. 🤗

[@jetluga9525]

NOTIF SQUAD

[@CharmdeLeon]

😂🙌🏻💕

[@KhaXandraTV]

wow amazing!! youre an exceptional responsible client investor in such a young age wow….if i may ask how young are you? the earlier you will invest, the higher returns you’ll get soon when you get old…

[@lightbulb5790]

Ang galing! Amazed ako at young age dami na

[@heidemejia5483]

Curious lang po ako for someone who get multiple insurance. May I know the relevance and rationality or factors why they having multiple insurance. Thank you! Very helpful po ang video na ito especially sa akin na gusto ma enlighten about insurance. 💙💙💙

[@naysonshwantks]

Ako din nabigla ako bat ang dami??? If ur going to compute all her annual fee samga insurances nya

[@whiteknight0926]

Having a multiple Life Insurance is a goid strategy & a great preparation for your retirement. Why? like the saying goes "don't put your gold in one basket". Besides they are no such thing as over insurance, with the lifestyle & high costs of living nowadays, our SSS pension will not be sufficient for a decent living & costs of medicine maintenance once we get older. So having enough insurance & health coverages plus investments will make our retirement comfortable instead of a nightmare later on. Early preparation is the key because its still cheap & has higher coverages and fund value(savings) component and most of all better chances of being approve by insurance companies which is essential when working is not anymore possible.

[@mrskathville]

I watched Dave Ramsey where he advised not to put your investments with a life insurance that’s why he’s so against whole life insurances. I used to pay $800 a month for my whole life insurance then cancelled it and went with a term life insurance with critical illness and disability rider instead that will cover me for 30 years just until I finish my mortgage payment. The difference that I pay from $800 a month to $250 I invest in index funds.

[@jeffersonacopio4316]

Gusto ko ung gantong topic new subs here.. i have 3 insurance 2 in sunlife, vul and sun fit and well and from east west troo insurance term insurace. Sana magka review ka about sa insurance honest review heheheh

[@CharmdeLeon]

Hahaha this was my honest review already 😅

[@jeffersonacopio4316]

Hahaha.. i mean ung mga nakalagay sa policy na terms and condition ng isang life insurance. Pero galing mo huh hehehe.. i like un philam life mo taas ng coverage pero mababa lang annual pre.

[@CharmdeLeon]

@@jeffersonacopio4316 yah. That’s why I got it. “Pang last” for now haha kasi i like their rewards program din

[@jeffersonacopio4316]

@@CharmdeLeoncheck mo rin ung sunlife elite maganda rin un guaranteed cash benifits un after 5years then unti 100years old may makukuha ka.

[@joannemariebonto127]

Hello Charm! Thank you sa mga knowledgeable contents mo. It made every topic so seamless. If I may request, can you also review the kaiser? Thank you so much and God bless ❤🙏

[@anjunmore1433]

Hi ate 😊 I’ve been watching your videos for almost a month now and I’ve been so amazed with all of your achievements. I just want to know how all of this started. What was your previous job or how you got a money to put on your first financial stuff. If you have the video ate pls share with me. More power and stay safe and pretty hehe 🙃

[@0100-w1s]

I am really learning a lot from your videos thank you thank you!

[@wealthliteracy6093]

Saved. This video is really informative. Thank you for making this content.

[@CharmdeLeon]

Thank you 🙏🏻

[@wealthliteracy6093]

@@CharmdeLeon Is there any way that I could actually reach you? There are things that I would like discuss with you. ☺️

[@healtheworldforabetterplace]

OMG, having this kind of money requires tons of hardships

[@stephaniedelima4633]

Subscribed. Thank you for all the advices. It was really helpful.

[@TwelvieVlogs]

this is for rich .. but we are lower. salary hirap pa makainvest. kaht isa.. lalo kapaag breadwinner.. pero salute po ako sa eneu. at ur age u are millionaire na 💙..

[@rotbuster]

Do you have SSS? what are your thoughts about it? I'm a freelancer and I'm having second thoughts whether I should put some of my money on SSS or other investment/retirement fund

[@judyparrenas6852]

I'm about to graduate and I really became interested in adulting stuff lately and I'm so happy to have found your channel. ❤️ Anyway, for example, you get admitted because of an accident or due to disease, will all those health insurance policies be applied together? Does that mean you won't have to spend out of pocket money for your hospital bills?

[@CharmdeLeon]

Yes, you can claim from multiple companies/policies.

[@gerlynkeny8984]

Charm De Leon how to apply maxicare insurance

[@SherwinGodinez]

Hi Ms. Judy may nakausap na po ba kayo from Sun Life? I can assist you po.😊

[@Xxxxxxxxj]

Nag change na si CIMB, up to 250k na lang ang life insurance nila Also, retirement is not based by age but by your net worth

[@rumorsph8092]

Net Worth Video please!! More power.

[@MikoSantos]

Wow, that's a lot of insurance policies. My concern with having multiple policies from different companies is that personally, I would not want my family to go through the hassle of applying for multiple claims while in the grieving process. Btw new subscriber here, looking forward to more videos. :)

[@Luna-gb4bh]

Same thought. Haha. Parang okay na ako kahit 2-3 life insurance (excluding PhilHealth) pero kukuha na rin ako ng St. Peter Life Plan/Lupa/Columbarium. IMO lang Baka may plano mag family si Ms Charm kaya ganun karami life insurance nya hehe

[@CharmdeLeon]

@@Luna-gb4bh yes, in the future I actually plan to set aside 2 insurances for my parents and 2 for my future spouse/kids (change beneficiaries) 😊 I think also, diversifying insurance is important. But of course ok na yung 2, OA lang talaga ako kaya 4 haha

[@jchung5066]

I also got the FWD Set for health wohooo... palagi ito ine-endorse sa aming mga security bank gold circle hahaha

[@LocusSix]

Hello Charm. Love the content! ❤ You can switch funds if you think that making an aggressive investment component for VUL. Might lessen the risk.

[@sheilalicayan8649]

First time ko po magkaroon ng VUL, pero worried parin ako sa money back guarantee since hard earned money pero back on my mind as a breadwinner mahirap din di ka naghahanda to secure your family and your health. Pero ano po nagpastick sa mind nyo to continue to pay for it? Risky parin kahit papaano. Salamat po sa pagsagot

[@zaidagalleza1616]

As a FA this video is really informative... Sharing on my wall Ms Charm...

[@reginadeleon2103]

Hi there miss charm 🥰 i just saw your video about 7 life insirances maybe you would like to have an appointment to see sunlife products as well 🥰🙏

[@cmbc2210]

Is it only me pero parang ang daming private insurance plans? I hope you are the agent as well so you could have gotten the commissions at least.. Question: should you have 1 critical illness, all these insurance companies will give individual claims or will they all share the amount for that 1 critical illness? I find the FWD interesting giving x3 critical illness.. i might check that product.. ☺️ thanks I personally think that HMO is important and Critical illness if you have history in the family, life insurance if u have dependents.. CI+life is ok and if u think kulang ung life u can buy term insurance.. do u know that BPI has P1M 1year term life and accident grp insurance for only P365? So cheap for 1M coverage right? I guess what i want to say is insurance should never be treated as investment.. insurance is only for protection.. VUL is way too expensive in my opinion.. Nagulat lang ako sa video but of course, more power to your channel and wishing you all the best..

[@financialliteracywithalvin8341]

Wow 7, wala nang lalapit sayong advisors maliban sa advisors mo. Maximum na yata yun eh. Congrats and pa share ha.😅

[@CharmdeLeon]

Haha, yung iba kasi HMO, free insurance, PHIC. I only have 4 whole life insurances haha

[@jonardpaladan9359]

Wala naman pong maximum policies. You can buy as many more as you can.

[@graceedybanez9205]

Very helpful contents. Investment and Net worth 👌. And another for digital banking 🤔😊 thanks!♡

[@CharmdeLeon]

For sure! Maybe this helps? kzbin.info/www/bejne/Z2rLpnyXbKerjbs

[@franchetteguerra344]

Hi Miss Charm! Can u discuss more of your health card (maxicare) benefits inclusions and the like. Right now, i am really confused what will i get. There are few filipinos making that kind of video. I hope you can discuss it because your speaking power is so motivational. I can see few videos but it isnt the way i like how they discuss compared to you. (Content plus how they present😞) Its like you set the speaking and convincing power of this channel so high, making me click that subscribe button of yours. I mean there are few who created those kind of content but none of them really discuss the way you discussed and that make a big difference. I was like, “arrrgh id like Ready2AdultPH discuss me these things it would been a lot easier life decision hehe! Budol by you! 😂 Hope you can consider! Thanks! Godbless!

[@CharmdeLeon]

Thank you so much, Franchette! Glad you like the videos, haha This is noted, will definitely cover health insurances more in another video 😊

[@marwinbarcenas8160]

I hope you can make a review on Paramount Direct insurance products. Thanks.

[@zoeygarcia6223]

Wow 😍 i salute you.

[@CharmdeLeon]

🤗💕

[@mrilustrado9107]

Tanong lang po, anu po yung Fund value? anong makukuha jan? is it consumable or makukuha lang at the end of your term? or can be use as fund to start again a 10 year insurance? can you please expound more about this? like what happens if you reach the end term of 10 years and you said it can cover you if you reach 75yrs old. Thank you for your answer even if this video is 3years ago.

[@jrc1156]

As someone na may history ng critical illness, I made it a point na magkainsurance.. sadly in my circle, tingin nila dagdag gastos lang to.

[@debtfreeF]

Another great video! Thanks Charm!

[@CharmdeLeon]

🤗💕

[@rosecincoyan]

Hello charm, can you do comparison for GInsure vs other insurances like PRULife and Sunlife

[@JustinQuirino]

So in depth! Love it! And I feel you. Breadwinner also here. Got my first policy at around 25. God bless you, Charm! Keep up the good work. :)

[@CharmdeLeon]

Thanks, Justin! I’ve actually seen some of your work because of my fiancé, Jet ☺️

[@JustinQuirino]

@@CharmdeLeon Oh wow! Which Jet? Hehe

[@CharmdeLeon]

@@JustinQuirino jet luga! 😂

[@JustinQuirino]

@@CharmdeLeon Aww. I love Jet! My friend since college. How is that guy? And when's the big day? 😆

[@adventurox]

Love you vids!

[@CharmdeLeon]

Thank youu :)

[@iceeeyy3557]

The problem is not every Pinoy can afford one insurance policy from private companies, let alone all of those complementary and supplementary riders and policies. I've been told to get one and tell my family and friends to get one, but we just can't afford them. If we do get one, we would be getting the cheapest options just like term insurance policies that do not accumulate any cash value in the future. This is the reality. People who are well-off becomes more well-off. They can retire at an early age because of the money and connections they got even before reaching the legal age. Yes, everyone can learn all these things, but that doesn't mean they can just go out there and apply for retirement plans and dividend-participating insurance policies. This is not a knock on the video and the creator. The video is educational and informative. This is just my take because a lot of people talk shit about agents and people who believe in insurance. In reality, the products are not meant for the poor. If they are, companies won't make any profit. It's sad.

[@maebaebaeee]

Very informative! Thank you po.

[@johnamandac7220]

Ms. Charm, what do you think about Kaiser Health Insurance? Is it legit? Thanks

[@hori7onlife]

Security Bank also gives you a free life insurance (FWD) if you open an all-access account. Also based on average daily balance similar to CIMB.

[@maryantonettemiranda2907]

Hi charm 😊 I've read a lot about BTID on the comments, will you have a video regarding this? (Pleaaase) 😅 Thaaaanks PS. I am currently educating myself in different products offered by insurance companies 😊😅 thansk to youuu and nicole 😊

[@CharmdeLeon]

I will be in the future! Yes. BTID vs VUL for a future video

[@maryantonettemiranda2907]

@@CharmdeLeon yeeeeey!!! Yudabest!!

[@kroniick]

This lady doesnt need a man!

[@absquickbooks1315]

eh karamihan naman kasi sa mga lalaki ngayun eh batugan at asa sa babae eh

[@jrc1156]

@@absquickbooks1315 interesting.. may data ka po? ilang percent po ung asa sa babae based sa census? :D

[@absquickbooks1315]

@@jrc1156 ikaw mag search. Ganun na karamihan kung natamaan ka edi sorry

[@jrc1156]

@@absquickbooks1315 ikaw magprovide ng data, since ikaw ung nagpresent ng idea diba?.. Pati hindi ako tinamaan.. i have a corporate job, passive income and a healthy investment portfolio (from vuls, insurance to stocks).. Curious lang talaga ako baka may data ka or may existing study regarding yourr statement. Sige na share mo naman.. sharing is caring right? ;)

[@absquickbooks1315]

@@jrc1156 bat kekelanganin ko ng data para sayo eh sinasabi ko lng naman ang obvious :) parang ganito lng yan eh sample, "karamihan sa kabataan ngayun puro gadgets na at di na naglalaro sa labas" , so kelangan pa ba ng data na pautot eh obvious naman na ganon? Yun lang naman ang logic ko. Bat need pa ng data kung obvious naman na. So ganun din sa sinabi ko na karamihan sa panahon ngayun asa sa babae nakakahiya. Di pa ba obvious? So no need for data dahil obvious naman uulitin ko hehe. Eh nung panahon nga namin kaming mga lalaki nun di kami pumapayag na magtrabaho mga misis nmin dahil sa pride eh ngayun karamihan sa mga nanay sila na ang nagtratrabaho at ang mas nakakalungkot sila pa ang nag aabroad habang yung mga batugan nag ML na lang at inom sa tropa. Kung tutuusin nga ayoko na lang mag jowa ang dalaga ko eh. ayun lang naman.