The 4 Types of VUL dapat ALAMIN BAGO BUMILI ng LIFE INSURANCE

[@Brother_in_Israel]

Best financial adviser sa lahat ng mga napanuod ko.

[@djdimaliuatofficial]

Thank you 🙏🏻

[@filaguilar8032]

Good day sir. Thank u for that very enlightening discussion on vul. Im tryng to browse on insurance since bibili pa lng ako. At age 42 with no dependents i just want a hospitalization and retirement security. My main goal is to give my family less worry if i will be hospitalized thanks sir in advance

[@djdimaliuatofficial]

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

[@simplelifealwaysthankfull9525]

Im glad mas naliwanagan pa ako sa type of v.u.l na inavaile ko.Kung nakilala ko lang kayo ng maaga, ung financial advisor ko wala na sa umpisa lang...

[@djdimaliuatofficial]

No worries. Just message me if you have questions or if gusto nyo kumuha uli

[@ellalopez3358]

Clear and concise. Galing sir. 😭

[@djdimaliuatofficial]

Thanks

[@dangsalva290]

Thank you 💞 now I have no worries about my VUL policy..

[@djdimaliuatofficial]

Youre welcome

[@johnaceantonio5670]

thank you po sir very informative ung inyo pong content.. very well explained.. now i know what type of VUL ung aking policy.. now on my 6years of paying my insurance and enjoying its maturity period. mas lalong nkakamotivate mginvest.the more you see the outcome of your investment . same old po tayu nung ngavail also 26.. and im now 31.=) God bless po sir.

[@djdimaliuatofficial]

Good job!!

[@richardhendricks8563]

We all know Insurance companies use VUL for liquidity. that's why agents get high commissions with VUL, pero kawawa si client. VUL is common in 3rd world countries because of a lack of knowledge. dito sa US we discourage that kind on insurance kasi if you understand it kita, pinag peperahan lang ang mga clients. Invest on index and buy separate term insurance instead. always separate your insurance with investment, para mka tipid with premiums.

[@yobmasaucsap]

I wonder why di ka nireplyan. Lol. VUL are for tamad mag manage ng pera. Separate insurance talga kuhanin mo, life/health. Tas Ikaw mag manage ng investment mo, and you may start sa real estate.

[@FroilanEsposa]

Sobrang clear….thanks

[@kei7064]

Well explained! Thank you sir.

[@djdimaliuatofficial]

You're welcome

[@jmc540]

salute sayo sir...sobrang linaw mag explain

[@djdimaliuatofficial]

Thanks

[@jmc540]

sir for example may vul ako tapos gusto ko na kunin mga 60yrs old ako malaki na din ba makukuha ko amount for retirement...30yrs old po ako ngayon

[@djdimaliuatofficial]

Malaki lalo na if you pay tuloy tuloy for 30yrs

[@educcontents]

Wow. Thank you po! Helpful po para sakin na new agent ng Phil am :)

[@djdimaliuatofficial]

You’re welcome! Best of luck!

[@chrisonalarde3451]

Big Salute to you sir DJ, as a new subscriber I do admired your platform and advocacy to help build entrepreneurs in this generation. I'm thankful that I've learned a lot from you about VUL. Actually Sir, Me and my husband had already paid a 5 years life insurance policy in Philplans and an educational plan for my son as well. As an OFW,, it's one way of saving our hard earned money for a better and secured future. God bless you Sir DJ.

[@djdimaliuatofficial]

Thank you for your feedback Chrison :) Yes we got to save and invest our hard earned money for the future

[@blessedjoygerangco9686]

Sir can you make a video the difference between traditional insurance and VUL..thank you in advance i learned a lot about VUL keep it up Sir and Godbless☺️

[@djdimaliuatofficial]

I think I have videos about whole life and term na rin :)

[@yangsilent1395]

Very informative sir, thank you!

[@addd_diii]

Base po sa mga nakapag-claim na o 'yung may experience na sa pagke-claim tungkol po dito sa VUL, totoo po bang maganda s'yang investment? Klaro naman po sa 'kin na ang VUL po ay MAINLY for insurance. Pero paano po 'yung sa "investment" side n'ya? Totoo po bang kumita o nagkaroon ng tubo 'yung pera na inihulog ng client? Sana po mabasa n'yo at mareplyan. Thank you and more power po sa channel n'yo na totoong napakaraming knowledge na ma-aacquire lalo na po sa mga beginners. 🙂

[@djdimaliuatofficial]

May ilan naramdaman ang kita lalo na if magtagal beyond 10yrs un policy. Though maraming disappointed sa VUL

[@addd_diii]

@@djdimaliuatofficial 'yun nga rin po ang napapansin ko. Siguro kasi 'di nila talaga naintindihan kung paano nagpa-function ang VUL or it's their FAs' na na-misinformed sila. Let's face it, meron po kasi talagang FAs na after lang po sa quota or commission kaya siguro 'yung term na "investment" ang ginagawa nilang pampabango when they are endorsing the particular insurance or product. On the other hand, sa "insurance" naman po, wala ka talagang lugi kasi hindi mo naman siguro gugustuhin na may mangyari sa 'yo para lang makapag-claim 'di ba? Kaya po ako kumuha ng VUL, it's like protection at PLUS na lang po siguro kung malaki ang magiging return sa investment. Thanks po, shinare ko po 'to sa mga kaibigan ko hoping na magkaroon din sila ng interes sa mga insurance and also sa iba n'yo pang informative videos. God bless! 👌🏻

[@djdimaliuatofficial]

@@addd_diii Salamat!

[@spacewarriors5175]

​@@addd_diii want to maximize return of vul, pay your premiums when the market index is cheaper

[@eduardmaquirang7448]

@@spacewarriors5175 sa akin naman Yung VUL ko na heavy on investment component 26 months lang ako nakapaghulog tapos I need to stop working for three years to take care of my parents and I am really happy na enforced pa rin ang policy ko. I have the option sabi Ng insurance company ko na bayaran Yung fund value na nabawas which is higher than the total premiums na nabayaran ko na or just continue paying my monthly premium. Na appreciate ko talaga ang VUL ko Kasi until now insured pa rin ako. Di Kasi natin alam ang mangyayari like mawalan Ng trabaho or need talaga tumigil Ng trabaho just like in my case.

[@allpidla1701]

Hi po,very helpful and informative po ng video nyo about vul. Kumuha po ako ng vul-build life plus this nov lang po,tama po ba naging desisyon ko specially during this pandemic?although alam ko po may pag risky po tlg ang investment,do i need to continue? although i want to focus more on insurance side gusto ko din po may makuha since retirement yung nasa mind ko. thank you so much.

[@djdimaliuatofficial]

Ok lang naman po basta tuloy tuloy nyong babayaran

[@np.rellora]

I have Health invest 10 - pay. Thanks for this video.

[@djdimaliuatofficial]

Great! You're welcome

[@yaniyani7495]

Thank you sir ang galing niyo po mag explain ♥️

[@djdimaliuatofficial]

You're welcome

[@imrubberdickey]

Mr. DJ, what do you call the 2nd and 3rd types? Where can we get this?

[@djdimaliuatofficial]

Hello, we offer these different types of VUL. Message me at my FB Page facebook.com/djdimaliuatofficial

[@angbahaynyo6194]

Thank you for enlighten me regarding hybrid VUL d q na susurender ung policy q 😁😁😁😁

[@djdimaliuatofficial]

Thats great!!

[@denniskaskoy5532]

Sir Kya po b nmn eh cover un ng interest un charges

[@djdimaliuatofficial]

What do you mean?

[@lul2667]

Very well explained sir

[@djdimaliuatofficial]

Thanks

[@pjxxv_carpediem]

Maganda nga yung pang-4, ganyan insurance ko PRULink Assurance Account+ 😁

[@venafemorata9134]

Ano po mas maganda prulife uk vul o sunlife vul?

[@chamcee10]

No answer?Probably!😊 Phil - Am si Sir DJ. Malamang sa Phil - Am. 😆

[@djdimaliuatofficial]

Ayaw kong sumagot kasi biased 🤣 And it's not about the product, it's how you design to use it for your goals 😃

[@leannevdc4679]

Meron po ba kaung whole term life insurance. Im planning to terminate my VUL sa sunlife kasi 700k lng life insurance and I dont need investment. gusto ko lang protection like until age 100. Like accidental, disability.

[@djdimaliuatofficial]

Meron po AIA All in One yun may Life, Accident, Disability, at Critical Illness. Message me at my FB Page facebook.com/djdimaliuatofficial

[@martcortez6160]

good day sir, what if nag zero yung fund value lalo ngayong pandemic pababa pero di pa tapos yung 10 years. nakaka 2 years na hulog pa lang. mag teterminate po ba yung policy pag nag zero or hindi naman as long as tuloy ang bayad?

[@djdimaliuatofficial]

Depende sa plan if may No lapse guarantee sila sa first few years.

[@el8243]

Same tau ng life insurance… with vul din pero focus sa health insurance with critical illness and hospitalization .. 2m ung insured amount +2m if died because of accident…. Nasa 36k per year po bayad ko .. mura na po ba un?

[@djdimaliuatofficial]

Mura na un

[@esterlynacierto5934]

Thanks for info sir, Dun sa 2nd type of vul po na nashare nyo, anong product po ung inavail nyo sa philam life na 30k annual lang nabayaran nyo? At ano po ung benefits included. Thanks a lot po

[@djdimaliuatofficial]

Family Secure un product na mainly focused on life insurance. Malaki multiplier nya so malaki insurance

[@normanrios2223]

Is Family secure better than guardian?

[@djdimaliuatofficial]

@@normanrios2223 If you can afford yes, and if you want to be covered beyond the age of 65.

[@dalequijano2754]

Hi po. New follower po ako. I have VUL with 10 yrs to pay at naka 3yrs na po ako nagbabayad. May 1m face amount + 1m accidental death dismemberment and disablement benefits,.Nasa 60k per year po ang bayad ko. Mura na po ba un or napamahal ako ng kuha?

[@djdimaliuatofficial]

Good benefit naman sya

[@chamcee10]

Good day Sir! IS there such a case that a VUL investment doesn't grow or have earnings at all? Will the invested capital be back in full plus the insured amt? Thank you.

[@djdimaliuatofficial]

There may be cases that the investment part will not grow. No guarantees for VUL so what you can withdraw will be depending on the current account value less charges if applicable

[@itsyourboyyeahmen9895]

Good day sir. for your explanation san po applicable yung BTID strategy and VUL products? Thanks and Godbless

[@djdimaliuatofficial]

Use BTID if you are comfortable trading and investing your money on your own

[@djdimaliuatofficial]

Buy VUL if you want others to manage the fund for you.

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial may napanood po kasi ako na ibang vlog na much better daw po ang term+mp2 rather than VUL. ano pong comment nyo po dun sir?

[@djdimaliuatofficial]

Pero may mga nagttrade na bumibili pa rin ng VUL lalo na for critical illness protection and hospitalization

[@itsyourboyyeahmen9895]

@@djdimaliuatofficial diba po mababa po ang price sa stockmarket ngayon once poba na makarecover napo yung ekonomiya may possible na mataas din po ang return ng equities funds?

[@joeemilgomez1243]

Great info. Thanks. Question: Pano po namiminimize effect ng inflation sa insured amount? Continued pa rin kasi yung pagbayad ng premiums in 20 or 30 yrs time, for example, pero yung insured amount is fixed. mas mababa na yung peso value by that time. Is there assurance po na yung earnings from the VUL compensates for the loss from the inflation? Thanks in advance.

[@djdimaliuatofficial]

Best way is to add insurance in the future. Tama po kayo na affected tlga ng inflation ang face amount

[@joeemilgomez1243]

@@djdimaliuatofficial Thank you!

[@djdimaliuatofficial]

You're welcome

[@lenlenoliva2591]

Good day sir .. Anu po ba magandang VUL may anak po ako .. Long term po or short term anu anu po ba coverage ng long term and short term sir??! Need you advice sir.

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial para iguide kita

[@marvztvvlogs]

Super great explanation!

[@djdimaliuatofficial]

Thank you

[@maribelmedico7336]

Sir yung sakin kasi 5yrs to pay tapos kunapo syang bayaran nagcheck ako kung magkanu fund value ko 95k po may tendency poba ito na maubos kung magtuloy tuloy po ang bagsak ng economy

[@djdimaliuatofficial]

Possible po. Kasi marked to market tayo

[@edenenrico5402]

Hi DJ may VUL ako 10 yrs to pay. 7 yrs na ako monthly pay , compute ko almost 1M pay ko in 10 yrs pero pace amt is 500 lang kasi may business at health rider. Is that Okay ???

[@djdimaliuatofficial]

Yes it's ok. Thats normal po lalo na mababa ang market ngayon. If you continue paying you will be able to catch up while the market is down

[@gerlyntacay4321]

Hello po. Ask ko Lang po, ano pong tawag sa VUL na in 2 years daw ang binabayran ko ay Insurance then the 3rd year on wards un daw po ung investment part. Salamat po

[@djdimaliuatofficial]

Some VULs ganun po talaga. walang specific na tawag. Depende sa design

[@maryjoycematias1203]

Sir paano po for example kumuha ako ng VUL this year. And bigla naospital (wag naman sana) icocover na ba sya ng insurance kahit wala pang 1yr yung bayad? Curious lng po since im planning to get VUL

[@djdimaliuatofficial]

Kung walang hospitalization rider yun VUL mo wala pong makukuhang benefits. Kasi ang plain insurance policy is death benefit lang

[@louiediwa838]

Sir may VUL po ba na continues paying ka prin? I mean kht lumagpas ka n ng 20 or 30 years n ngbabayad? Thank you

[@djdimaliuatofficial]

Yes meron upto age 100. May ganun dn kami

[@franceskagarcia8835]

Good topic, But I want to know which is the best. I want the insurance I can use in PH and International. If I migrate in US or CANADA..

[@djdimaliuatofficial]

Any life insurance can be used worldwide since it's death claim naman

[@edwincabrito5604]

Hi sir ask ko lang po bakit kaya may bayad pa yung print out ng policy contract worth 700 pesos..bpi philam po binili ko na policy

[@djdimaliuatofficial]

Because the Philam group is now encouraging green approach meaning no printed papers to save the environment. It is also now included in the fees that are charged to your policy

[@djdimaliuatofficial]

You will have a PDF file sent to your email and access to your online portal anyway

[@arlynjoyabad2941]

Thank you so much sir. Godblessu more sir

[@djdimaliuatofficial]

Thanks

[@prettysweettraveller2077]

Paano po kung may nagka insurance tapos nag migrate ka, nag iba ka ng identity, paano ma claim ang dapat mong benefits o paaano mailipat ang insurance sa ibang bansa?

[@djdimaliuatofficial]

Ndi mo maclaim kasi magpalit k ng name

[@prettysweettraveller2077]

@@djdimaliuatofficial hindi po ba siya puede ipagpatuloy sa ibang bansa na parehong pangalan ng insurance? Kung hindi po paano ko mapapakinabangan bago ako mag migrate?

[@djdimaliuatofficial]

Magkaiba po yun. Kung same name pwede mo ituloy then insured kapa rin kahit nasa abroad kana

[@prettysweettraveller2077]

@@djdimaliuatofficial sana maka kuha na lang ako ng cancellation benefits pagka 6 na taon at kung walang claims. Sabi kasi ng bank consultant na representative ng insurance puede raw pero gusto ko makita yung clause na may ganon sa kontrata. At puede ko ba ilagay sa testment ko na gawa ng Special Powerr of Attorney na may kondisyon ako sa mga benepisaryo at piling benepisaryo tulad ng pinsan ko at mga kapatid. Hindi kasi karapat dapat mga ibang immediate family sa mga benefits kung kailangan mag claims.

[@djdimaliuatofficial]

Pwede nyo naman Po iwithdraw un cash value in case aalis kana if you want

[@mailasigno7933]

Hi sir question po sa VUL. iyon sa insurance ba na Hospital Income Benefit may makukuha kaba doon kung nanganak sa hospital normal delivery o nacs?

[@djdimaliuatofficial]

Hindi po kasama ang pregnancy related ss coverage

[@lenlenoliva2591]

Good morning sir anu po ba maganda sa VUL na may retirement plan at hospitalization at critical illness may rider Package sir please ..thanks po

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial

[@djdimaliuatofficial]

Health invest po ang pwede

[@joycelcellon3488]

May insurance po ba kayo below 1k lng yung monthly critical insurance ang coverage for 10 - 20 yrs to pay. Thanks.

[@djdimaliuatofficial]

Wala po e

[@norikodapii1782]

Kung gusto ko po iwithdraw yung binayad ko sa insurance with investment, irerefund po ba nila ang insurance in full? Kc sa fund allocation for the investment po kc may bawas eh..

[@djdimaliuatofficial]

Ndi ko makukuha in full

[@arturobandong1167]

Thank you sir paliwanag God bless po

[@djdimaliuatofficial]

You're welcome

[@beverlyquinto6704]

Sir, recommended po ba Sayo na myrn VUL ang Bata payable for 10 yrs age 10 - 15,then Isa sa purpose for college education,at same time insured till age 100, if Bata pa kasi mas mababa premium like 18k annual, need your advice plz, thanks

[@djdimaliuatofficial]

Ok dn sya pero if iwiwithdraw mo rin sya for college education, you need to buy another one to insured them upto age 100

[@beverlyquinto6704]

@@djdimaliuatofficial, thank you sa info Sir, really helps ❤️❤️❤️

[@djdimaliuatofficial]

You're welcome

[@noelmadia8010]

Thank you Sir for the info

[@rachelaban1332]

hi po. sulit po ba ang insurance ko na payable siya ng 70yrs? ano po mga advantages and disadvantages.. im a millennial era

[@djdimaliuatofficial]

For sure malaki insurance coverage nyan though tuloy tuloy mong bbayaran til age 100

[@rachelaban1332]

@@djdimaliuatofficial amt.coverage is 1.1

[@guilleindiaz2461]

good day sir ako po nagsisimupa palang almost 2 years palang po ako insured after 5 years po ba pede ako mag withdraw 10 years policy contract po ako..

[@djdimaliuatofficial]

Dapat po at least after 10yrs para walang withdrawal charges

[@ericsondemonteverde6803]

Good day sir meron bang vul. Na pwede ang pre existing illness o gumaling na. Meron po ba vul. Na pwede ?

[@djdimaliuatofficial]

Kung gumaling na may chance na maapprove with life insurance only na VUL

[@llovelyncutillar]

For VUL policyholders: 1. How long are we going to wait to ensure return of investment? 2. What is fund switching in VUL?

[@djdimaliuatofficial]

Returns in VUL are not guaranteed

[@roseanndimaano2777]

VUL is like a long term investment.. kung gusto mg earn or lumaki ang value hayaan lang un pera for so many years? tama po ba?

[@djdimaliuatofficial]

Yes. Pwede din mag topup lalo na if mbaba ang market

[@hano1484]

Hello Sir, what does it mean if yung account value outgrows the insurance coverage? Let’s say ang insurance coverage is 1M but then after many years the account value natin more than the insurance coverage or 1M, so if I die will my family get the 1M insurance and 1M account value?

[@djdimaliuatofficial]

Depende sa product. Most products are whichever is higher lang May ilan ba + account value sya

[@RonaldoCunanan-p2d]

Sir paano po stop kona Aia Ready Plus plan insurance mkukuh kopoba hulog ko 3/12years napo naghulog

[@djdimaliuatofficial]

Just dont pay the next premium

[@djdimaliuatofficial]

Request for full withdrawal. Ndi ko makukuha in full

[@neilpatrickrobles206]

Hi sir question, today, nag avail ako kay allianz pnb, may I ask if sa loob ng 5 years for example naka ipon ako ng total of 300,000 pesos and something happen and need ko mag claim kay insurance, dun ba sya sa 300k ko babawas or safe yung 300k na ipon ko?

[@djdimaliuatofficial]

Claim you mean in case of death? Or withdrawal?

[@neilpatrickrobles206]

@@djdimaliuatofficial yes sir

[@djdimaliuatofficial]

Pag nakuha na death claim wala nang ibang makukuha

[@juliuscortes4209]

Good day sir, how to avail life insurance even if you are working abroad.Thank you.

[@djdimaliuatofficial]

If you're okay na wife/family member nyo ang magiging owner and insured, then you can get for them. Another way is to buy kahit term insurance jan sa country kung nasaaan ka para covered ka jan. Also you can wait til makauwi kyo ng Pinas. Message me pag andito kana

[@juliuscortes4209]

@@djdimaliuatofficial okay thanks

[@rodrigoniangojr.6954]

Sir tama ba ko if tapos nko magbayad ng insurance ko lets say tpos n for 10 years at age of 40 may time pa lumaki tama? Up to age 65.

[@djdimaliuatofficial]

Sa VUL yes kung hindi mo iwwidraw

[@marichikawa2400]

@@djdimaliuatofficial wat f i wiwithdraw ko po after 10 yrs, am i still covered in the insurance?

[@djdimaliuatofficial]

@@marichikawa2400 If you withdraw in full, hindi na po covered

[@marichikawa2400]

@@djdimaliuatofficial so ilang percentage lang po ang dapat i withdraw so one can still be covered with insurance?

[@djdimaliuatofficial]

@@marichikawa2400 Siguro max na ng 50% ng account value mo, para may enough money to pay for the cost of insurance.

[@fconcept]

What insurance po kaya yung cover na yung any member ng family kahit ako yung maghuhulog? Halimbawa for medical expenses/Hospitalization. Sabi kase ng iba per individual lang ang meron

[@djdimaliuatofficial]

Per individual lng po tlaga kasi per lifepo tlga ang pagkuha. Need bilihan bawat isa

[@noelalminiana3032]

hello sir thank u for this very informative vid. i bought vul po reg pay @15k/ annum. 5yrs to pay. wd, 300k coverage. not super laki. im 34 single. for retirement sna ang purpose ko. sa tingin nio po ok xa? ty in adv

[@djdimaliuatofficial]

Ok sya basta kaya nyo po bayaran

[@noelalminiana3032]

@@djdimaliuatofficial thank u po sir. ask ko lng dn po mga ilang percentage po ng premium ang napupunta lng sa inv comp. and ilang years bago mag start ung inv tlga. (like in my case 5 yrs to pay lang po) thank you

[@djdimaliuatofficial]

Iba iba po depende sa product. Pag 5yrs mga 2nd year mejo ramdam na sa investment

[@spacewarriors5175]

me: 10k/annum for 1m coverage

[@annmargaretnavarro2606]

Question: My agent proposed for the amendment of my policy, is it better? VUL, same premium pay will be made. 2 years paying already. Max benefits.

[@djdimaliuatofficial]

Paanong amendment? Ano gagawin?

[@annmargaretnavarro2606]

Hi Sir. Increase of Sum Assured. Increase the value benefits (accidental, death, permanent disability, daily hospital income) + additional murder and assault and intensive care unit benefit. The catch is 2 years contestability will be adjusted. Is it okay to amend it?

[@djdimaliuatofficial]

If that is the benefit that you want ok lng naman. Make sure lang healthy ka

[@annmargaretnavarro2606]

What if im not healthy po? Lalo na ngayon, since pandemic. Should I stick to my VUL plan or not?

[@djdimaliuatofficial]

Stick to it. Kasi dka na uli makakakuha ng new insurance if you're not healthy

[@chenie0103]

For me I have 2 VUL insurance 1 from AXA and 1 from Prulife UK all are health focus.. For my AXA I have hospitalization, accident and disability benefit while for my Prulife UK I have critical illness, accident and disability benefit..😊 Maliit lang yung investment ko sa Prulife pero 1milyon yung coverage niya while sa AXA malaki yung napupunta sa investment pero 360k lang yung coverage niya..😊

[@djdimaliuatofficial]

Nice. It seems you're happy with your VULs :)

[@juvybalanquit7324]

Mgkano monthly mo sir sa prulife na 1 million coverage?

[@KadungizReviews]

magkano monthly mo sa Pru, at ilang years ka magbabayad?

[@gelliannbenig4813]

Sir anu po kaya magandang insurance ng di pa married at wlang anak.. Thank you

[@djdimaliuatofficial]

Health Insurance ang best. Message me at my FB Page faecbook.com/djdimaliuatofficial

[@alvs4477]

Sir nabanggit nyo po yung single pay VUL 125% e paano kung 20 o 30 taon inabot yung lang ang matatanggap sa insurance parang mas malaki pa kung iinvest sa ibang investment products like bond o stocks.

[@djdimaliuatofficial]

Yun Single pay na VUL Kapag mas malaki na un account value mo vs sa original insurance yun na un matatanggap mo

[@alvs4477]

Sir ok naliwanagan na kami. Ipagpatuloy nyo po sana ang pagbibigay ng kaalaman tungkol sa insurance. Salamat ng marami.

[@djdimaliuatofficial]

Youre welcome

[@mhinetteshimono6176]

Sir pag mali ba explanation ng FA pwede ma terminate ang policy ? Lahat ng nasa policy ko Hindi explained ng FA. Wala rin syang policy na pinakita Sa Akin. Auto debit agad Sa bank ko. Now nawawala na. Hope you can answer my question. Thank you

[@djdimaliuatofficial]

You can complain but I’m not sure kung mateterminate kaagad. They will investigate po. Sa bank kba bumili?

[@mhinetteshimono6176]

@@djdimaliuatofficial Sa psbank po imus cavite. Axa axelerator

[@djdimaliuatofficial]

@@mhinetteshimono6176 I see, I figured na sa bank nga po kayo kumuha, yun po kasi un karamihan narereceive namin na reklamo kapag employee ng bank eh. Kapag po kasi FA katulad namin, wala kami sweldo, commission lang, so we really do our best to service our clients para happy kayo and magrerefer pa kayo

[@mhinetteshimono6176]

@@djdimaliuatofficial wala po ako talaga choice kung hindi ituloy ang 5 yrs payment ? Sabi after 5 years may 5% surrender charge pa po. 6 yrs onward 0% na po. Ang tanong ko po kailangan ko po ba magbayad up to 6 yrs and after that can I get my 360k ng buo pag mag withdraw na ako?

[@mhinetteshimono6176]

By the way hindi po kasi ako naka base Sa pinas and complete po ako ng insurance Sa japan kaya Lang po ako bumili dahil Sa word ng FA na “ SAVINGS” . I feel scammed po kasi ng FA ko,

[@Phoenix196]

Sir , I have Abundance Plus po. Na phase-out na daw po yun?

[@djdimaliuatofficial]

Yes pero tuloy pa rin naman benefits nya. Ndi lang pwedeng bumili ng product na un now

[@Phoenix196]

@@djdimaliuatofficial I see. I am on my 10th year na sir sa premium niya. For next year, advisable ba i top up ko pa rin? and for how long?

[@djdimaliuatofficial]

Yes ituloy mo if afford mo naman. If that product is meant for retirement for example. Then pay it til you retire

[@Phoenix196]

@@djdimaliuatofficial Thank you so much for replying DJ. At least confident ako ngayon na tama pala decision ko kinuha ko siya 10 years ago. I am now 44. Pang retirement talaga goal ko for Abundance plus. May Money Tree din ako at PSGF. 10 years ago kasi nung nagdecide ako kumuha, yung FA ko diversified yung portfolio ko.

[@djdimaliuatofficial]

Ayos ituloy nyo lang. pwede kpa mag topup or magdagdag ng plan

[@fabiomiedel5933]

Nice explanation.

[@djdimaliuatofficial]

Thanks

[@analisadalapo6226]

Hi Sir may age limit po ba yung VUL may hospitalization ilang yrs po bayad.

[@djdimaliuatofficial]

Ang hospitalization rider til age 65 covered

[@monetdelacruz5826]

sir, i just need your opinion. oina insured ng sister ko sa sunlife ang 70 yrs old ko pong mother. with face amount of 250k. payable until age 88.she is almost 4yrs of paying now. and her fund value is 45k, invested im bond fund. my mother now is turning 74 this year. what do u think. should my sister stop paying for her imsurance or continue until 10yrs of paying?thank u so much for ur response. God Bless

[@djdimaliuatofficial]

It should always depend on the purpose of getting an insurance. Why did you get an insurance for your mom in the 1st place? Is it so that in case of death my mkuha kyong pera to augment some expenses? Is it for health? Its a good thing actually na naapprove sya khit 70y/o na

[@monetdelacruz5826]

@@djdimaliuatofficial.. okay nman po sya. may burial plan na din po sya. wala nman po syang critical. illness maliban sa hypertension at old age. hindi ko lang po ma alala ang plan type ng mother ko pero meron pong ganung plan na ino offer sa sunlife. at that time my mom was only 69 y/o kaya po nabigyan pa sya ng plan na un..

[@djdimaliuatofficial]

I mean yun plan ba may critical illness coverage?

[@djdimaliuatofficial]

Anyway don't look at the fund value kasi its for protection tlga dapat

[@monetdelacruz5826]

@@djdimaliuatofficial.. wala pong critical ilness. plain insurance lng po.

[@jestalktvshow192]

Good day sir ofw po ako meron po ako vul ng MetLife yong number 4 sa sinabi mo. Mas malaki talaga ang binayad ko 12000 $ For my 9yrs nag stop po akong mag bayad at May pera naman sa fund ko na 6000$ pwd po ba yon. Salamat sa pag explain about insurance naliwanagan ako. Ang tanong ko lang po pwd ko ba magamit ang MetLife ko sa pilipinas? At pano po kung mag for good po ako pwd po ba iwan ang insurance ko abroad at e claim na lang pag na sa retirement na ako. Thanks.

[@djdimaliuatofficial]

Yes pwede naman yun. Iwan mo lang then claim mo nlng dun once mag retire kana basta alam ng family ko just in case need nila for claims

[@dot-dl6lj]

Hi sir, balak ko po kasing kuhanan yung anak ko na 5yrs old. Para po sa future education nya, tama po ba na life insurance with investment ang kunin ko? At tama po ba na dapat magulang muna ang magpainsured

[@djdimaliuatofficial]

Yes ideally parent ang insured. Message me at my FB Page facebook.com/djdimaliuatofficial

[@dot-dl6lj]

Anu po magandang ikuha sa age 5yrs old at 15yrs old na insurance,

[@dot-dl6lj]

Sir pm’d you sa facebook thank you sir

[@ericbajet5074]

Sir parang Ang labas niya lang po ba e para ka lang nag ipon?mas maganda po ba na sa vul nalang kesa sa bank acc?

[@djdimaliuatofficial]

Mas ok sya if naaappreciate mo na may life insurance ka

[@llovelyncutillar]

How to switch fund for a VUL policy?

[@djdimaliuatofficial]

Just fill up the form of the company

[@lifejourney6485]

Ask ko laNg kmuha kasi ako ng VUL ko sa sunlife am 28yrs old tas parents ko ang independent ko oarang nagsisi ako bumili tama kaya na kmuha ako insurance ko nd naman po ako sakitin... Nag aalala ako bakit tataaa va ang babayaran ko every year or magbabayad pa ako after 10 years I'm confused?? Sana po masagot niyo po?

[@djdimaliuatofficial]

Fixed naman po ang premium ng insurance basta ndi term

[@lifejourney6485]

Ay ganun po ba pero ang VUL maxilink prime na knuha ko with investment po yun dva??

[@djdimaliuatofficial]

Yes meron naman

[@byerla7727]

Hello sir.good day sayo. After po ba ng 10 year premium, hindi ka na maghuhulog ng pera? What if ni withdraw mo po ung current pera mo after 10years hindi ka na ba insured nun hanggang 100years? Hindi mo na ba mapapakinabangan yung rider sample hospitalization, sample 40yrs old ung maturity ,tapos nagkasakit ka ng 55 yr old ka pero nawithdraw mo na yung pera.

[@djdimaliuatofficial]

Kapag nawithdraw mo na lahat ng pera mo terminated na rin ang plan mo at hindi kna insured

[@byerla7727]

pano po kung di lahat niwithraw meron pa po natira. covered ka parin po ba? thank u so much po sa response nag aaral pa lang po kasi ako now about vul po.sample po ung sa philamlife ung kinuha na policy ng vul ung retirement+insurance with critical illness

[@djdimaliuatofficial]

Covered kapa rin pero since maliit na account value mo, mas malaki Ang insurance charges mo. So may possibility na maubos ito dahil sa continuous charges which is fair dahil iniinsure ka ng company

[@byerla7727]

@@djdimaliuatofficial ah ok po sir. question uli sir dba po ung 10yrs na un ay advanced mo na binabayaran for 100yrs insured.why po may charges pa rin po after maturity? gusto ko lang maunderstand ng maiigi po tlga hehe thanks po uli

[@djdimaliuatofficial]

Ganun po kapag hindi mo winithdraw kasi un account value mo ang nagsusustain ng insurance charges. Pag lumiit ang account value, lumalaki ang insurance charges dahil sa Net Amount at Risk ng company.

[@enzoguerrero2005]

For regular pay VUL. How long does it usually take para mag even out yung hinulog mo sa fund value mo?

[@djdimaliuatofficial]

After 10yrs usually bawi pa lang

[@jeremylinsanity8381]

Sir ask ko lang sabi kasi nang FA ko, need ko magbayad nng 22k tapos after 10 years pede ko I withdraw tapos so lets say 220k, tapos insured padin daw ako up until age 88 no need to pay, salamat po

[@djdimaliuatofficial]

Anong product yun? Bak pwede magwithdraw ng partial pero not in full. Kasi ang VUL pag winithdraw in full masusurender na un policy. Hindi kana insured by then

[@jeremylinsanity8381]

Sun life po, ung naihulog ko lang po nang 10 years un ung kukuhanin ko? Lets say 22k per year tapos kukuhanin ko po 220k after 10 years? Masusurender po ba un policy nun?

[@djdimaliuatofficial]

Yes kapag kinuha mo un full account value your policy will be surrendered. You can confirm it with them para sure but That’s what I know

[@jeremylinsanity8381]

Sir slamat po sa info

[@djdimaliuatofficial]

Welcome

[@jehosaphatadian5487]

sir after 10 years paano yung pera mo paano sytema ng pag wedraw?

[@djdimaliuatofficial]

Depende sa company but usually you visit their customer service center and you need to present your policy number and Valid ID

[@deliaaure2835]

Good day sir! Thank you, this is very informative. Question: Must my son continue with his VUL (he's 19 when he started paying last january 2020), and just go for insurance with healthcare which offers lower premiums, more illnesses (major & minor) and less fees? Also, he want to focus on his coop savings as his investment. You're advise will be highly appreciated. Thank you.

[@djdimaliuatofficial]

Sayang naman po yun naibayad na sa VUL. Pero tama po kayo. Dpende po sa plano nyo at ano ang priority today. Kung makakayang meron pareho mas mganda po

[@deliaaure2835]

@@djdimaliuatofficial un po kc prob, budget.. dumami kc expenses (electric bill (a/c) and internet) since pandemic at wfh na xa kaya nasira allocation sa income nya. Baka me iba po kau maiooffer sa philam. Thank you in advance.

[@djdimaliuatofficial]

Mgkno po budget annually? Message me at facebook.com/djdimaliuatofficial

[@lalola7930]

panu po pag nwalan ng trabaho at kung 1year plang nkkabayad panu na yung the next year

[@djdimaliuatofficial]

You have to find a way to pay

[@horimiya3749]

Bakit may mga companies po na minimum 30k yung ireremain incase of withdrawal po? Pwede po bang magsuggest ang FA na 40-50% lang ang I withdraw dapat?

[@djdimaliuatofficial]

Dapat 50% tlga sana. Ewan ko ba bakit ganun training nila

[@horimiya3749]

@@djdimaliuatofficial pano po ba ito I suggest sa client sir. Akal akala kasi nila, hindi pinapawithdraw ang 50% talaga😆. 50% para sufficient ang fund

[@djdimaliuatofficial]

Explain mo lang. dapat confident ka

[@jojodacumi1254]

Incase you've two insurance with both critical illness coverage, possible mag claim for both in same illness?

[@djdimaliuatofficial]

Yes

[@jorelrojas3672]

Wala kasi dito sa pagadian sir. Sana andito yan samin

[@djdimaliuatofficial]

Message me at my FB Page facebook.com/djdimaliuatofficial

[@djdimaliuatofficial]

Pwde na po kumuha online

[@vcky08]

Pano po pag nagpalit ng citizenship? Covered pa rin po ba?

[@djdimaliuatofficial]

Yes po

[@joanng7248]

Sir alin po ang maganda s VUL?

[@djdimaliuatofficial]

May other videos ako about that

[@ched5045]

I am a holder of axelerator , 5 year term and I already finished 4.5 years , pag natapos ko po ba ung 5 year term , dun na sila kukuha Ng bayad sa stock investment ? So ibig sabihin liliit ung value nun stock investment ? Mauubos po b Yun ?

[@djdimaliuatofficial]

As you pay since year 1, part of that iniinvest na sa stocks

[@ched5045]

@@djdimaliuatofficial Kung magkano ung hulog ko sa 5 years Yun Lang din po ung sum insured . Iniisip ko Hindi kaya nun I -beat Ang inflation . Kung matapos ko na sir ung 5 yrs dun na sila kukuha sa stock investment ? Ung naaccumulate ko ba sir na shares mababawasan or as it is un at account value ko is depende sa current market value Nung investment ? Sa Chinese tycoon po siya nakainvest ? May potential growth pa po ba un? Or nagmature na ?

[@djdimaliuatofficial]

Nababawasan po due to cost of insurance every year

[@ched5045]

@@djdimaliuatofficial so malabo po na lumaki un

[@ched5045]

@@djdimaliuatofficial magkano po Ang cost Ng insurance every year Malaki po ba Ang deduction?

[@arnielruazol]

Paano nmn po kung halimbawa minsan hindi na nakahulog or nag ka lapsed ka paano po Yung process

[@arnielruazol]

Kung may 5 years kang contract

[@djdimaliuatofficial]

Pwede nyo po ipareinstate if within 2yrs

[@RoselleButalan]

Sir maganda ba kumuha g vul for retirement

[@djdimaliuatofficial]

Ok naman sya basta long term pa

[@karennabas7895]

ano po bang magndang kunin planning na kumuha ng insurance ngyun

[@djdimaliuatofficial]

Message me at my FB page facebook.com/djdimaliuatofficial to take the assessment if what's best for you

[@wengcarbona3270]

ano ideal insurance co.?

[@djdimaliuatofficial]

I'm biased since I'm from Philam Life 😀

[@sheilabasiya6572]

Hi sir. Malaki ba fees ng VUL? Fees for the investment side..

[@djdimaliuatofficial]

Ang malaki po ang charges is the insurance charges

[@Breads38_2nd]

Sir can you recommend good educational plan products?

[@djdimaliuatofficial]

Message me at facebook.com/djdimaliuatofficial so I can get your details and send you a quotation :)

[@djdimaliuatofficial]

all VUL plans can be designed for your kids' educational plan. Depende sa pagkakaexplain ng Financial Advisor and disciple nyo as the investor :)

[@bernadettemanganaan5273]

Thank you sir naliwanagan na ako sa VUL ko5yrs na. dati po 6ook lng Ang death benefit ko ngulat ako naging 1M na sya this year.2021.nag top up kasi ako sa investments ko.yearly 5k.

[@djdimaliuatofficial]

Ang galing nyo po! :)

[@erikafaderogao7060]

Maam, may I ask po. Ano pong top up ung ginawa ninyo? Slmt po maam. Prulife po kase akin

[@djdimaliuatofficial]

Yearly 5k daw po

[@elenacatalan2528]

Sir if mag top up po ba lumalaki then ba face amount.?.. Possible from 300k to 1M?...

[@djdimaliuatofficial]

Depende kung magkano topup mo un dn halos nadadagdag sa insurance

[@primrose2800]

Sir ask ko lng po kung ano ung fund value

[@djdimaliuatofficial]

Yan un value ng pera mo

[@primrose2800]

Thank u sir,

[@shaleey]

Ano pong mangyayari pag nag bankrupt yung insurance company or let's say marami silang liabilities. Yung insurance po ba na hinuhulugan natin is mababawi pa yun? Or hindi na po?

[@shaleey]

Sorry wala po akong alam sa life insurance. But plano ko po mag invest sa VUL for my future and retirement.

[@djdimaliuatofficial]

Usually binibili sila ng bigger insurance companies para masave yun mga policy holders

[@shaleey]

Salamat po ❤️

[@djdimaliuatofficial]

You’re welcome

[@mhinetteshimono6176]

Sana Ikaw nakausap ko FA well explained ang vul. Maling mali explanation Sa akin ng FA ko savings Lang daw with insurance period .

[@djdimaliuatofficial]

It’s sad na maraming FAs na hindi nila naeexplain maigi or minsan hindi dn naintindihan ni client kaya kelangan tlga ng regular review with their FA

[@mhinetteshimono6176]

@@djdimaliuatofficial wala siya sinabi sir about Sa mga charges, fund allocation and lifetime payment. Basta Sabi nya Lang savings after 5 yrs makukuha ko na ang pera ko. Hindi nya ako tinanong about Saan ko ilalagay ang stocks ko. Surrender charge hindi ko rin alam. Lately ko Lang nalaman na vul pala ang nakuha ko. Gusto ko sana I stop Kaso mag 2 yrs pa Lang ako this November. I already paid 115k Sa 23 months plus tong November Wala daw ako makukuha kahit singko dahil 100% ang surrender charge. Hindi ba sir ground for termination of contract yung panloloko Sa Akin ng FA ko?

[@mhinetteshimono6176]

Yung FA ko sir after ako mabentahan wala ng paramdam. Kahit Ano messsage ko deadma.

[@djdimaliuatofficial]

@@mhinetteshimono6176 Yun po talaga ang mahirap usually pag sa banks (hindi naman po nilalahat), pero employees po sila, pag hindi naka quota, nalilipat or natatanggal na sa knila

[@djdimaliuatofficial]

@@mhinetteshimono6176 Baka hindi naman po sadyang manloko, pero baka hindi naexplain ng maigi

[@dedski02]

Hi DJ, pwede pa ba yung regular pay VUL pag 45 year old na? Concern ko lang baka wala na masyado time for fund growth by age 65. Between whole life and regular VUL ano mas okay kung protection and health coverage ang priority?

[@djdimaliuatofficial]

Pwede pa po sa age 45 Kung afford nyo un whole life mas ok po na whole life. Mura pa nman yan sa age 45

[@dedski02]

Thanks DJ, learned alot from watching your videos.

[@djdimaliuatofficial]

You're welcome

[@czargarcia304]

Sir pkiexplain po ung policy debt

[@djdimaliuatofficial]

What do you mean? Saan policy?

[@djdimaliuatofficial]

Post here your questions about VUL and I will try to answer all of it

[@wanderwoman9528]

Sir question po. May health invest po ako. Covered po ba nya ang covid?

[@djdimaliuatofficial]

@@wanderwoman9528 since hindi critical illness ang COVID, covered lang sya if may HOSPITAL INCOME BENEFIT un policy mo, at kapag dumiretso sa SEVERE LUNG DISEASE since un ang nsa list of critical illnesses

[@wanderwoman9528]

@@djdimaliuatofficial salamat po sa reply. Appreciate it

[@djdimaliuatofficial]

Youre welcome :)

[@aranton8429]

Sir kumuha ako NG vul 5 years ago at 10 years to pay xa. Ngayon ko lng naintindihan mabuti ung vul and Di ko pla tlg need ng life insurance kc wla akong dependents. Ipagpatuloy ko ba xa Sir pra kikita ung investment side nya or Kung icacancel ko xa ngayon, luging lugi ba ako kc 5 years ko n xa bnbyaran? Or Kung tapusin ko ung 10 years tapos ipaterminate ko ung insurance ko, may makukuha pa po ba ako n pera from the capital aside sa investment side nya?

[@abbygold6547]

Ano pong magandang life insurance ang kunin at 1000 pesos lang po ang hulugan per month?

[@djdimaliuatofficial]

Term insurance lang po ang pasok samin na 12k annual

[@abbygold6547]

@@djdimaliuatofficial ano po cover nyan? Accident,hospitalized,death benefit?

[@djdimaliuatofficial]

Yes possible. Message me at my FB Page facebook.com/djdimaliuatofficial

[@abbygold6547]

@@djdimaliuatofficial meron po ba kayong sunlife?

[@djdimaliuatofficial]

Philam Life po ako