The Most Complete Explanation of VUL | Everything you need to know

[@esperanzaconsuelo9674]

Thank you so much sir DJ, I appreciate more of this VUL type of insurance, the very reason why ngwiwidraw at frustrated ang karamihan is because of lack of knowledge about how it really works. Thanks sir, ths is very helpful. Sana madaming mkpanood with VUL din para mkdecide sila ng tama. At pra alam nila paano ang dpat gawin to take hold of the sum assured, hindi masayang in the end.

[@djdimaliuatofficial]

I agree! I’m happy to help

[@Single800]

It is better to make customers aware of the negative then they can decide if the investments are for them.

[@lmviva2679]

Thank you.. I have a VUL in AIA I searched for this kind of vid bec my FA did not explain this to us. Now I understand everything clearly. Thank you.. More power!

[@djdimaliuatofficial]

You're welcome!

[@Mike_Robin]

Thank you sir, this really helped me a lot on my studies about life insurance especially sa VUL because I recently passed my exam as a Financial consultant. Gagamitin ko yung mga natutunan ko dito to my future clients. Thanks a lot and God bless you po. 😊

[@shapaller8756]

Thank you Sir Dj dami ko natutunan since bago lang ako na Financial Planner .

[@djdimaliuatofficial]

You're welcome

[@ziamartinez]

Salamat po sa inyong transparency! I really appreciate it!

[@djdimaliuatofficial]

You're welcome

[@markjohnpalanca6087]

Thank you very much po! Galing!

[@julieannp.doctor9940]

Thank you for our explanation, Sir DJ!

[@djdimaliuatofficial]

You're welcome

[@japanlifestyle3905]

thanks po sir sa clear explanation balak ko sanang mag withdraw sayang din pala may charge din 6 years na po vul

[@djdimaliuatofficial]

Yes most companies may charges pa sa 6th yr

[@jerrybonghanoy7305]

sir may AXA insurance ako 7 yrs ko nang hinuhologan 10 yrs ang contract balak ko nang e stop 139 000k lahat ang naholog ko Pero ang account value ay 66900 na lang magkano ang makuha ko?

[@djdimaliuatofficial]

Account value less withdrawal charges

[@alexandraintal5021]

Sir pano po kung after 10 years tapos na po ako magbayad ng premium and they continuously charge me for another 10 or 20 years. Pano kung maubos yung account value ko. Di na po ako covered. Lugi. Pano po yun?

[@djdimaliuatofficial]

Ang goal ng VUL is after 10 yrs kumikita na un account value mo, then it can cover the cost of insurance

[@jovaniesandigan5117]

Hai Sir DJ... Maraming Salamat po! at sa wakas binigay na sakin yung Policy ko last week. mabuti nalang naka Subscribe po ako sa Channel nyo po. dagdag kaalaman regarding VUL. for me Sir maganda talaga si VUL pang long term goal. kaya nag take advantage po ako habang binata pa. tsaka may kakayahan pa makapagbayad. unlike dati kung san napupunta yung pera ko. Sir ask ko lang po f ok lang po sa nyo, nag Binance po kayo?

[@djdimaliuatofficial]

Yes I also do Crypto but that's not my focus

[@williamzerilchannel7892]

Im disappointed with my philam VUL and was planning to terminate it but thanks for this video. Hi Sir DJ I'm a new subscriber from Pasig. 😊

[@djdimaliuatofficial]

That's good to know :)

[@djdimaliuatofficial]

Thanks for subscribing :)

[@georgenavarrette8996]

That’s why do term now and mutual funds that way you avoid all the charges😂

[@acmjourney]

Sir another question po ano po itong Rider Kasi Yong SA akin may rider n nakalagay Wala na po Kasi akong financial adviser Kaya Wala n ako napagtatanungan. I have 3 policy na kinuha last 2015 Isang money tree po, term insurance one time payment, then Ang family provider ko po is ito lang po Ang binabayaran ko ng semi annual. and since Hindi na ako nakapag bakasyon ng pinas Hindi na po ako nakaka visit ng philam branch Kaya dito nlng po ako nag ask s inyo po I am newly subscriber your channel.

[@djdimaliuatofficial]

Maexplain ko po pag nakita ko un policy nyo e

[@maribelmedico7336]

Thank you sir i learn a lot

[@djdimaliuatofficial]

You're welcome

[@corazonmandar1362]

very clear

[@junkshopbest3947]

Daming charges. Ganun pala ang vul. Di Naman Yan ipinaliwanag sa akin

[@blssrlcn]

Hello po. i'm 23 yrs old. Kumuha ako ng VUL nung 22 ako. Bale naguguluhan na po ako kung icacancel ko na ung sa VUL ko kasi ang daming charges. yung pinaghirapan ko sa iba lang naman pala makikinabang. Naguguluhan ako kung icacancel ko na sya or itutuloy ? Ayoko po kasi magkaanak, non - smoker din po. ano po dpaat ang gagawin ko ?

[@djdimaliuatofficial]

If kinuha mo ito for the insurance part, ituloy mo lang po

[@bollenordonez5249]

OK po pala ang vul

[@bollenordonez5249]

Subscribe poko.. Kc plan kopo kumuha ng PRULIFE uk.. My 2 policies npo nmn ako.. Allianz pnb life insurance at KAISER international.. Prang almost same sila. Na my investment po..

[@mrric7024]

Hi po ...balak ko bayaran ung VUL ko nxt month.. bale 15 months ko na po hindi nababayaran ...my question is pwede po ba bayaran un sa over the counter...kc wala po akong ATM ..andito po ako ngaun sa Kuwait OFW ...and my question is kapag hindi po ba nahuhulugan monthly ano po mangysyari...mag lapse po ba agad kc dapat 3 yrs n sya nung march last yr 2022

[@djdimaliuatofficial]

Naglalapse po sya. Pls contact the insurance company how to reinstate the policy

[@lilymoonplayz1561]

Hello po plan q po sana na itigil na paghuhulog q Ng VUL plan na kinuha q sa Sunlife,pwde ko kaya mabawi ung mga naihulog q na? thank you po

[@djdimaliuatofficial]

Di po makukuha in full

[@stevegan99]

Hello po. I have my VUL in AXA an I get the life basic policy which is 10 years terms. I monitor may VUL through their apps and am disappointed kasi malaki tlga nwaala sa pera ko almost 100k plus din or almost 50% ung loss base on may payment within 4 years up to date. I plan to withdraw all my VUL and cancel this plan and apply for Term insurance na lang and invest in PAG-IBIG MP2. Did you think this is a good idea? Thanks

[@djdimaliuatofficial]

Market is too low now to pull out. Bukod sa may charges pa yan pag nagwithdraw ka

[@julieannp.doctor9940]

@@djdimaliuatofficial Hi Sir. Is it safe po to KEEP it? I am on my 4th year of BPI AIA VUL. I have one child, but my work is just sufficient for monthly bills. I am confused especially in the economy of PH now.

[@jhoyzlao1742]

Dun po sa surrender charges, sa yr 11 onwards mawiwthdraw ba yung lets say 500k yung binayaran ko for my 5 yrs na insurance with vul, makukuha ko ng buo yung 500k after 11 yrs?

[@djdimaliuatofficial]

Not guaranteed. Depende kung magkano ang account value by that time

[@jhoyzlao1742]

Thanks po sa sagot. Last po. Dun po sa sinasabi nio na 4 types of vul feeling ko kase nasa hybrid ako or nasa last kase madami akong riders. Gusto ko sana lumipat dun sa investment focused kaso sabi ng FA ko di na daw pwede kase ibang product na daw yun. By the way po nasa 4th year nako and 5 yrs to pay yung vul ko. Tama po ba na hindi na pwede ilipat?

[@djdimaliuatofficial]

@jhoyzlao1742 yes ndi po pwede magpalit ng product e

[@elenitacuales9238]

Sir may I ask if ung vul q pwde q ba palitan ng riders un gusto q kc medical reinsbursment sana pwde ho ba

[@djdimaliuatofficial]

Usually within year 1 lang pwede mag add and delete riders. But ask the company

[@meowtrox1234]

Pero yung hinulog mo in the future. Yung inflation by that time mataas nadin.

[@djdimaliuatofficial]

I agree ganun tlga e

[@meowtrox1234]

@@djdimaliuatofficial sa madaling salita , yung critical illness benefit mo in 10 years na supposedly 2 Million , Pa dumating yung panahon after 10 years baka wala ng mapala yung 2 Million na health care funds dahil sa taas ng inflation ng period na yun. bale ang kumikita in the long run ay yung investment firm galing ng business strategy nila. Ano kaya mas okay na gawin? nagbabayad na ako ng 5 years sa VUL ko at 60,000 Annually nakahulog na ao ng 300,000 php at ang fund value ay around 150,000php clarify ko nga sayo sir ang fund value ba ang ibig sabihin nun ay yung kinita ng aking hinuhulog na pera? peso equity 50% and captain funds 50 % ang allocation ng aking hinuhulog . need your opinions on this .. Salamat po

[@francisamielguevarra7203]

Ikaw sir ano po ma rerecomend ninyo kumuha insurance or hnd na?

[@djdimaliuatofficial]

Oo naman! Dapat meron pa rin. Marami kasing ibang options

[@edwarddimaano1066]

Hi DJ.im started learning VUL insurance from you. I have question on Premium Paying Rider and Unit Deducting Rider. What is the difference between them? Thanks DJ.

[@djdimaliuatofficial]

Kapag unit deducting rider, ibinibili kuna ng units un binabayad mo. Then monthly ka naccharge ng insurance for the rider

[@iakxx8752]

Sir. DJ, gets ko na po yung VUL based in this video, pero sir can you make a separate video kung ano po yung mga different types of investments kasi parang sobrang dami niya po, tintry ko po sya aralin isa-isa kaso nakaka overwhelm po sya. Can you make a video explaining if ano po yung mga differences ng UITF, BTID, ETF, Bonds, Index Funds. Tsaka po by explaining pwede nyo rin po i-clarify if they fall under each one kunwari po yung bonds under UITF po ba sya ganon. Sorry po kung sobrang dami kong tanong kasi di ko po sure kung ano po talaga yung right investment for me in my 20s. At sir nag didiffer po rin ba yung pag i-invest sa cryptocurreny, forex, at ng stock market? Is it like yung sa pag invest ng cryptocurrency, stock market, at forex self-thought sya habang yung mga ibang investments na minention ko like yung UITF hawak po ba sya ng fund manager? Yun lang po sir! Sorry again kung maraming tanong at sana po masagot lahat!:)

[@djdimaliuatofficial]

Mahaba ata itong request mo. Maybe we need different videos about it

[@acmjourney]

Sir bakit po Kaya Yong family provider ko na policy dapat may Isang payment pa ako to complete my 5,yrs noong nag open ako SA portal ko nakalagay na doon paid up na dw po ako and nor necessary to pay. Actually na late Kasi ako SA pag bayad ng due date ko. May effect po ba yon SA fund value ko?

[@djdimaliuatofficial]

Yes may effect if may hindi ka nabayaran

[@nadydalio7358]

Dami charges 🤕

[@mikop.1640]

C H A R G E S ......

[@junkshopbest3947]

Pangit Naman ng vul. Daming charges

[@betsybesa6795]

kaya po wag nyo muna itouch if d pa nakaabot ng 10 yrs. or more kasi pag early years marami talaga charges