Usapang Life Insurance: Different Types of Life Insurance

In this video, Fitz and Rienzie talks about the different types of life insurance and when you should get one.
Money Insights & Advice is a video project of Wealth Arki, Inc. Visit their website at www.wealtharki.com.

[@nhiexzhie20]

I like this chill chikahan type of talk. No hypes or anything na mababaw lang madalas sa iba. This one is very detailed. At the same time, parang kasama ka lang nila nagchichikahan while drinking coffee hehehe..

[@rapramos5687]

This channel is way under-promoted. Yung ibang "financial vlogs" wala naman talaga sinasabi, puro finance jargon and big words lang + emotions kaya maraming nahihikayat magsubscribe. Also tip ko sa mga kagaya kong nagsisimula pa lang sa road to financial freedom: pumili tayo ng mga mentors na similar ang values at priorities. Huwag subscribe nang subscribe sa lahat kasi magkakaiba ang tinuturo nila. Ang downside niyan is maghahalo yung mga ideas sa utak mo. Hanap ka ng mentors with the same principles with yourself para ma-reinforce yung knowledge mo at masabi mong tama ang ginagawa mong pagiinvest.

[@InvestedLifestyle]

Rei Allen Phillip Ramos true ang issue ko sa mga financial gurus sa pinas is mostly gains lang pinapakita nila. At parang ginagawang sports ang investment. I like this video coz same kami ng insight which is steady and consistent long term investing.

[@JohnClaudeV1]

Totoo, and never be afraid to say NO kapag feeling mo hindi completely honest sayo yung tao. 😢

[@troellatroella5043]

Papano ba ate? Nalilito ako about insurance te.at anung company insurance Ang safety money ntin ?

[@InvestedLifestyle]

Troella Troella ang insurance depends on what you need. May dependents ka ba?

[@troellatroella5043]

@@InvestedLifestyle opo dlawa anak ko

[@krizreyesbatoto4150]

Sobrang clear po ng pagkakaexplain nyo. Thank you po for the information 😍

[@markgilcabal_makingcents]

New Subs here. I'm a license Insurance Agent for 8 years. Thank you for this kind of topic.

[@kenrickcarlsonkeh191]

Good job po sa video. Importante talaga maeducate mga tao.

[@markjohnoraa7909]

love your full explanation. thanks much!

[@armani3tv]

hello po sir Rienz & sir Fitz,,, very informative po lnat ng vdeo nyo good job po! request lng,pki gawan nman po video of discussion about sa free life insurance ng BDO KABAYAN SAVINGS ACCT. na prang similar po sa free life insurance din ng BPI PAMANA SAVINGS ACCT. na na-discuss nyo last year!!! aabangan ko po yan mga sir! thank you so much po & more power s tandem nyo!!!

[@ranelmarinduque794]

Very informative. Thank you mga sir!

[@eljay23moso38]

So Informative lalo na ngayon na subrang hipe ng VUL ngayon.

[@ajmedinavlog7699]

salamat po sa malinaw at simple pag eexplain..hoping na mas makilala pa namin kayo..yung halatang knowledgeable kayo sa dinidiscuss niyo

[@ronaldpallayachannel3101]

ang ganda ng format, parang kwnetuhan lang pero siksik sa info. salamat.

[@jerdivon2369]

Gustong gusto ko ganitong topic. Thank you sir arki :)

[@WealthArki]

Jerdi Von thank you.

[@user-kv5bv6xm8q]

Nakaka tuwa ung naka black simpleng joker . Mgandang panorin to, tlgang may matutunan ka

[@ledielousuperales8584]

You deserve moreeee and moreee subscribers! thank you for the full explanation po.

[@MisterGregg]

You guys are awesome.Thanks for this information.

[@roselin6062]

Buti nalang naligaw ako dito.. Slamat more knowledge.. Godbless 🙏

[@ericsonbandilla9196]

continue making this kind of videos, upang mas mrmi png kababayan ntn ang mging financial literate and aware. God bless

[@chrischanmarks.7757]

Great topics about you video kasi malaki ng impact about life. Salamat ng madami.

[@WealthArki]

Christian Mark Sabayton welcome! please do share the learnings--and our videos, too!!!

[@asdfgqwerty6657]

i love this. very informative prang nkikinig k lng s chika. haha!

[@noukimoto574]

Okay din ung gantong concept may kabatuhan ng topic..nice one!

[@9thcup361]

Kapag may dependent ka maganda ang life insurance pag nawala ka meron ka maiiwan. Pero in general dapat talaga lahat meron critical illness. Kapag nagkasakit babayaran ka ng insurance company.

[@jikumiku5804]

Im happy that my husband register for sun MaxiLink Prime one of Variable Life Insurance of Sunlife which The fund allocation is 100% in equity Fund.I Find it very confusing but because of this video I fully understand now & confident that we make the right step in joining the VUL type insurance.Thanks guys!! New subcriber here 😊👍

[@hazeljimena6513]

Ang galing nyo! Maraming salamat po..

[@wennieco8653]

wow.. i learned a lot.. thanks po.. na review talaga ako :)

[@ernanicamarines7814]

Thank you sir andami ko po natutunan.. God bless po..

[@hannajamerlan8558]

This is so informative.. I'm really glad that I found this video. More pa po please ...

[@smgarferio]

Thank you so much po sa information.

[@nicolodeown]

i like this channel :) Straight forward

[@Iifeandmoney]

Ang galing ng usapan😊 Bihira ako makakita ng local channel na natural lang ang usapan, mararamdaman mo tlaga na well informed sila hindi yung nag dudunong dunongan lang. More power po.

[@WealthArki]

thank you for your feedback! Please feel free to share the learnings-and our videos, too!

[@jillanmanaig6288]

you’re doing a public service po, madami po kaming natutunan. worth sharing sana lahat ng financial adviser gaya nyo. more videos!

[@WealthArki]

Jillan Talatala thank you for your kind words!

[@joelgonzales3627]

Most of VUL which ever is greater (fund value (investment) or yung sum assured (death benefit)) talaga. Pero there are some na you can get both of them which i think is way better. Nakuha mo na yung Death benefit mo, nakuha mo pa yung face vaule ng investment mo. Kaya please make sure to read the contract carefully. Kung kaya ni Fin Advisor na i explain each terms para clear. Mas better din na icompare yung mga policies sa diff insurance companies with same premium para makita mo talaga kung ano yung hinahanap mo. ;)

[@esperanzahernandez7580]

Thank u guys...im learning a lot

[@WealthArki]

ESPERANZA HERNANDEZ thanks! Please do share the learnings-and the videos, too!

[@yumyumduck]

Thank you for this. The problem with VUL is that FAs market this more as investment than insurance to entice people to avail.

[@trishaabb]

so helpful!!! thanks!

[@lemzkiechannel9885]

very informative

[@emilysalvador4822]

Thank you so much for this! Im so torn between term insurance & vul.

[@WealthArki]

we can help you decide which one to go for. please do email us [e-mail] to set an appointment. thanks!

[@InvestedLifestyle]

Mas okay ang term insurance kasi ang di nila sinasabi sa VUL maraming fees. For example, if you invest in 1000 pesos, ung 500 mapupunta sa insurance, ung 500 sa investment pero madaming deductions. Mas okay pa na term insurance tapos mag invest ka sa Index funds ng sarili mo.

[@skysea6441]

hello po wealth arki avid subscriber ako ng channel nyo. may narinig lang kasi ako about insurance na ENDOWMENT. sana po magkaroon kayo ng video about it one of this days. thank you

[@hezekiahcelestino8291]

Tagal n ng vids pero it helps kasi balak ko mag insurance kaso naguguluhan ako sa vul at simple insurance lang. Gusto ko kasi mag ka idea muna bago makipag usap s mga agent. Thank alot

[@pulisiacoo5144]

Maganda mag view ganito usapan. You all my home

[@rojanieoriel1728]

nice vid! galing!

[@crisyarime8692]

New subscriber here.Ang dami kung natutunan sa mga video nyo.

[@WealthArki]

cris yarime thank you! Share the learnings and our videos too!

[@p1nnaclebar]

Ang cute niyo. Haha. Kwela.

[@yhangdejesus]

thank you Sir sa maliwanag n pag explain mo. s dami ng videos n pinanood q pra maexplain ng maayos about insurance d2 lng s video nyo po aq naliwanagan. thanks po ulit ang God bless po ☺

[@WealthArki]

Yhang de Jesus thanks! Please do share the learnings and our videos too!

[@coreworldmotivations1879]

Actually po, meron naman pong VUL na lower ang protection. If gusto nila na mag invest, tell their advisor na ilagay sa vul product na maliit ang protection para at least meron pa ring minimum protection ang investment nya should something happen sa kanya while the investment is not yet matured. Lower protection coverage means lower charges. Meron din kasing VUL product na malaki na masyado ang minimum protection coverage, kaya napakalaki na ng charges.

[@doms007mdo]

mga sir..spvul po ung may 125% coverage..pero ung regular VUL is pwedeng kang mag set ng coverage na mas malaki say 10x 20x 30x or 40x times of your basic premium. Regarding nmn sa Whole life not true na forever ka ring magbabayad.. Yes true cya...pero may mga ibang whole na rin na limited pay say 10 yrs to pay or 15 yrs to pay..pero you are covered until age 100. #YourFinancialSteward

[@rongiebolanyos2262]

Correction po sa VUL, yun insurance covered po di nagbabago. Yung fund value lang ng investment ang nagbabago depending sa stock market/ bonds performance o kung san man nakaallocate yung ininvest mo. Once madeads ang death claim is the sum of life insurance + Investment value o yung tinatawag na sum assured. Tapos yung term mura kasi wala syang Investment at di mo sya magagamit to fund educational fund for income replacement fund lng sya if mamatay ang owner meaning mamatay muna ang owner pero if the purpose is to fund educ di mo sya magagamit unless mamatay ka muna.

[@WealthArki]

We do not normally position insurance as a means for educational funding because it takes more money to arrive at a future value due to huge premium charges; as such, our prudent approach is to go for pure investments that maximizes the resources of our clients. We are cognizant of the fact that education funding is not the only goal that a client has so we execute on a most cost-efficient and cost-effective basis in terms of insurance and investment without compromising the other goals of the clients. Thank you.

[@khaleemarielle24]

thank you po sa info! :)

[@raechdino7393]

The topic is good, discussing the different types of Life Insurance. But others mislead the real meaning of it, I understand because the speakers is not financial advisors. For those who view it and have questions you can message me to assist your queries. Im a Assistant Unit Manager from Prulife UK who pioneer the VUL in the philippines. 😊

[@jvalgo3177]

Maganda tlaga ganitong mga topic mas madami pang mga taong ang matutulungan..Keep up mga sir

[@marichurevelo9321]

Sir i hav a bdo life insurance for 8 yrs and yearly im paying 180k if d ko na makaya can i changr the insurance by making it 60k yearly.

[@manuelitogonzales2534]

Good discussion and very informative.

[@WealthArki]

thank you. please do share the learnings--and our videos, too!

[@joyceigorotnanny]

thank you po uli...

[@WealthArki]

welcome!

[@SGANIMATIONS92]

Very Informative and entertaining.

[@dummydami9892]

Salamat mga sister

[@kewpiemayoe]

ganda ng topic sir! thanks for sharing. as a young professional okay talaga magkaidea sa ganito. how about kwik insure na website po? parang microinsurance naman offer nila. gusto ko sana magavail, wala lang ako idea.

[@lairodriguez3889]

love your shirt sir, proud bacolodnon :)

[@mariahilonnahfeavenido1853]

Ang galing mag explain ni kuya na naka cap, pwede ka po mag financial advisor. Tara, hiring kami. PRU LIFE UK 🥰

[@joeychristopherrausa8656]

sana meron video content po kayo para sa tamang approach sa pag offer ng life insurance products sa kakilala niyo or total stranger ?

[@jcrjcr8614]

Content suggestion: Kwik insure review po. Thank you!

[@WealthArki]

Thank you for this suggestion. Please do stay subscribed to know when it is up. Thanks!

[@rodolfocaleon4617]

I am willing to invest at AXA Phil’s for a long period of time

[@kylecyrusdavid5593]

Rodolfo Caleon hi rodolfo naka pag invest na kau sa life insurance?

[@yellowcarbb]

Maybe another advantage of the vul or whole life is the attachment of riders that will be in effect for the insurer’s life. I agree that term + personal investing would be the most cost effective route, but let’s say a 2M critical illness benefit attached to a 5-pay VUL, if something happens after the contestability period, you have peace of mind. But if you were to invest your money, depending on skill level, it might take you a lot longer to reach 2M (for health emergencies) on your own. Especially ones who are not actively investing, or are focusing on their career or other passions. Am i in the correct trail of thought? Also in my experience, as long as your policy’s fund value has enough funds to cover the charges, you don’t necessarily have to pay the scheduled premium payments. You can use your money instead on other investments or business ventures. You may be missing out on potential gains from the insurance’s fund, but that’s a choice you’ll have to weigh.

[@vocaladrenaline3653]

Michael Sanchez trueeeee

[@yellowcarbb]

I backtrack from these statements. I've recently just went full BTID :D hehe :D

[@daisyvbrown7065]

may video din po ba kayo discussing different type of home insurance parabsa mga home/ condo owners. para alam po nmn ang tamang insurance na kukunin namin

[@saltandpepperph1162]

If you will only use it for MRI or Insurance sa condo mo, use a term insurance only. But you should insure yourself parin

[@maryedgar7310]

Thanks na nakita ko to dahil balak ko mag vul pero wla aq idea how salamat po

[@rezzagayo5292]

Hello po, Try SUN LIFE Free Financial consultation "TERM INSURANCE" facebook.com/Restie08 Email: [e-mail]

[@karlorotao5785]

Just stumbled on this video, currently looking kasi ako sa isang investment instrument. tama nga na it all depends sa financial goal mo. Bank ko kasi ay Eastwest at nag offer cla na instead na regular UITF nila is yung VUL nila partnered with Troo. nabigyan ng linaw yung mga katanungan ko. Salamat sa video na to !

[@ahyeenskitchen7934]

magandang hapon po tanong ko lang po kasi kasapi kami ng asawa ko sa insurance sa manulife pati isang anak ko kaso dumating ang pag kakataong ngayon pandemic di kami makatrabaho ng maayos at talagang di na kami makahulog may 1/2 year na simula pang nag ECQ nong march ang tanong ko may makukuha po ba kami or ma rerefund kung sakali na iuurong nanamin dahil talagang di na po namin kaya ituloy. tulungan nyo naman po ko para malinawan po kami salamat.

[@duksun7361]

salamat po naliwanagan kami ng asawa ko kung anong insurance dapat ang kunin namin..God bless and more power!

[@WealthArki]

duk sun thank you! Please do share our videos, too!

[@jemimahelliot9899]

Tanong ko lang po kumuha po kasi ako insurance with investment 2728 po sya per month pero d po ako ngwowork gusto ko po sana icancel ito kasi naisip ko mas ok po kung yung asawa ko n ngwork po ang kukuha ng ganitong policy.. Tama po ba na icancel ko po un. Kakastart ko lng po kumuha.

[@jhovdeluna6888]

Magandang usapan yan, financial advisor here🙋 pm is the key.. u cant try our newest fund basket which will we invested in SPMARC5P(US stocks) a product of S & P Dow Jones..but peso denominated investment.

[@shinramyun1725]

Ganto naba pag adulting stage na.

[@vibrantmontefalcon354]

Hahahhaa yata kasi ako nag ooverthink na sa mga maaring mangyari eh.. kaya dapat insured saka nagiisip din kung anong magandang investment...

[@zenylynlouieluces5742]

My karapatan po ba ang insurance management sa paghahati ng pera ng claimant kung halimbawa man kc po yung father namin namatay ang benifiary nya yung anak nya sa labas pero kmi pong legal child ang nag process ang kaso my naghahabol pong isa pang kabit pero wala naman po silang anak my karapatan po ba cya kc gusto pa cyang bigyan ng insurance management kc daw naging kasama parin cya ng father namin

[@monpadua8974]

Best Insurance Companies (2019): Top 3 in Premium Income 1. Sun Life 2. Axa Life 3. Manu Life Top 3 in Net Income 1. Sun Life 2. Philam Life 3. Insular Life Top 3 in Net Worth 1. Philam Life 2. Insular Life 3. Sun Life Top 3 in Asset 1. Philam Life 2. Sun Life 3. Insular Life Top 3 in Revenue Generation 1. Insular Life 2. Manu Life 3. Philam Life 3 Oldest Insurance in Philippines 1. Sun Life 2. Insular Life 3. Manu Life

[@angelovalentin4050]

Galing nyo

[@vrsportsdxb9942]

kudos to you guys! very helpful! :)

[@WealthArki]

VR SPORTS thanks! please do watch our other videos, too!

[@andriancabanlit3655]

Hello i have started in bpi philam just a fresh start for my insurance and investing what can you say about it

[@WealthArki]

andrian cabanlit in order to make an accurate and relevant comment, we would have to know your financial resources, goals, as well as the particular product with which you went in. these and other factors play a role in determining if you made a wise decision. we can talk more during our financial consultation. please do email us [e-mail] to set an appointment. thanks!

[@jonaldgammadmendozavlog5610]

Pwede mong i widraw yung invetment mo pero dapat may laman mag karoon muna nang laman yung mutual fund mo pag sa vul

[@nes7375]

Hi I can help you with your concerns. I am a financial advisor in Pru life UK, you can email me at [e-mail] don't worry it's free :)

[@annamargaritasantos3547]

Namiss ko tuloy Starbucks sa BF Paranaque ❤️

[@msds2930]

19:20 Estate Topic po? I'll wait for that mga Sirs. :) Very informative vid.

[@cecilletakahashi3595]

sir baka pede pong buksan yun topic sa Philamlife plus abundance plus term ko po 10 years . Thank you po

[@thegamefreak]

Boss kung protection lang gusto ko.ano type maganda whole life or term

[@WealthArki]

thegamefreak it would depend on your financial goals and resources. We can give you a better recommendation thru our financial consultation. Please email us [e-mail] to set an appointment. Thanks!

[@JohnClaudeV1]

I just want to share something! Hopefully maintindihan niyo. Nagsimula ako ng 13 years old, medyo bata for insurance ba sa tingin niyo? siempre as usual. Mas gusto ang investment! Kasi curious. Hahaha. So yun, kasama si mama pumunta sa isang banko. 😭😢 Sad REALITY! We were pressured sell ng advisor, hindi pa namin fully naintindihan yung proposal. That was 12k quarterly. So pangit na tingin ko sa insurance after that. Ako insured, then mama ko pa beneficiary. Tapos ang benefit lang ay Death. Sad. Lugi pa, more than 10 years na. Okay lang sa akin na lugi, basta maganda ang benefits, pero wala. Kung purely investment lang yun, may growth pa sana. Kinalculate ko din properly. Medyo naenganyo kasi ako sa returns. Kahit non-guaranteed pala yun. 😔 Tapos ko na yun bayaran. Ang pangit talaga ng benefits nun, pero yung bad experience talaga ang mas naalala ko. I was wrong din. Ngayon married na ako and Licensed Finacial Consultant ni PRU LIFE. Being an adviser myself, doon ko narealize mali yung ginawa sa amin. Pagbalik ni mama sa Pinas, bibigyan ko na din siya kasi it is really a blessing kapag tama ang proposal and related sa goals. So I bought mine as well as sa wife ko! We are now financially secured as well as our savings. And nagbago na din isip ko sa insurance, maganda pala talaga, siempre kasi ako nagplan para sa akin and sa family ko. Wala pang mga anak pero time will come that their faces will smile because of our sacrifices. So you must choose an honest and trustworthy adviser. And never be afraid to say 'NO' when you think niloloko ka.

[@showneeshanes8708]

Hello anong klase po insurance un kinuha ng mama mo para sau nuon? bakit po nasabi nyo na lugi kau dun?sbi nyo po tapos na un so term po ba un?Sana po mapaliwanag nyo sa akin ito. Salamat po advance

[@JohnClaudeV1]

@@showneeshanes8708 Yes it was term insurance na VUL. Just lately ko lang narealize na I was given that for the benefit of the salesperson's commission rather than for my benefit. I am not saying term insurance is bad, it depends talaga sayo. So the person you're talking with should be honest and true. Mapapansin mo din naman yun. 😉😊 And again, I was young back then. We were pressured sell. One of the worst practices in sales. We learn from our mistakes.

[@JohnClaudeV1]

@@showneeshanes8708 I went to them asking about their Trust Funds. Then we were guided to buy an insurance product. And it wasn't explained properly. Been investing in the stock market for the past 10 years, returns were very favorable. Unlike that of the product given, wala na nga returns hindi pa maganda yung benefits. So, it's not about the company but the person you're talking with.

[@showneeshanes8708]

Sabi po ninyo dito sa banko po kau kumuha ano po ang tawag sa ganun sa ngayon po kc usually may agent na lalapit sa atin...

[@showneeshanes8708]

@@JohnClaudeV1 pa enlighten po napansin kopo ito comment mo sir kc ganito rin po un sa anak ko na 13 yrs old kinuha ko po sya pero lifetime po at may kasamang investment..may premium po sya almost 2k din a month...ako din po ang beneficiary nito..worth it po ba na ituloy ko ito since bago pa lang po.salamat po uli

[@cjongdelacruz2919]

Hi! Baka pwede gawa kayo video about ‘tips for financial advisor starters’ like me po mag FInancial advisor kaso kulang pa sa knowledge. Hehehe thankyu!

[@WealthArki]

Cjong Dela Cruz hi! Thanks for your recommendation. We’ll definitley have that one of these days so please do stay subscribed. For the meantime, please do watch our vids in the other playlists to learn more. Thanks!

[@dormamo6917]

Daming term isurance na strict sa types of profession etc.

[@erzalyngueta2587]

HI! Somehow nakita ko yung honesty nyo as finacial advisors sa pag eexplain ng Insurance. Nakita ko na you really want to help us. Gusto ko lang malaman kung anong masasuggest nyo for me because I'm planning to get an insurance. I'm single. I'm planning to get married soon. Earning 26k a month. No bills to pay yet. But my partner and I are planning to buy a single house. BTW, we are family of diabetics. Just want to know you opinion! Thanks!

[@WealthArki]

Erzalyn Gueta we look at a lot of factors before giving financial recommendations-missing one or two would be detrimental to a persons. We can talk more in one of our financial consultation as part of our profesional services. Please do email us [e-mail] to set an appointment. Thanks!

[@erzalyngueta2587]

@@WealthArki Thank you for your response. I'll let you know if I'm already decided!

[@WealthArki]

Erzalyn Gueta thank you.

[@ryefadwa9358]

We have a product that is perfectly fit for your needs. We have a basic cover plus, that you will pay for only 10 years and covers you for 20years. If nothing happens to the assured, he or she will get the maturity benefit and returns of her premiums. Para ka lang nagipon at the same time naka insured ka pa. Pwede mong gamitin pang retirement o pang aral ng anak.

[@erzalyngueta2587]

@@ryefadwa9358 May I know what insurance company and policy is this ?

[@johnz1447]

Mga brad, I am an insurance advisor in Canada, research muna tayo, there are lots of incorrect info you guys mentioned in the video. Explanation of whole life insurance, universal insurance, etc. P.s. VUL is a type of universal insurance.

[@WealthArki]

thank you for your comment. although our discussion is by no means comprehensive, what we aim for is to discuss salient and general features insurance products as used and practiced here in the Philippines, one that can easily be understood by the general public and first time consumers. we have been to different countries as well and we are cognizant of some nuances regarding insurance products and as such, we focus on the ones that are being offered here and laymanize the discussion. as regards VUL, it is usually being positioned as insurance and investment in one, but of course, there are admin charges, fees, insurance costs, market fluctuations, etc. and we do get a lot of queries regarding that. what is important to the general consumer as far as we have interfaced with various stakeholders is that they have a grasp of the basic and different types of insurance--thus far, none are as concerned on the typology of each product as to what it does for them and the benefit that they bring.

[@chakuututuu2241]

Agree...

[@thinknotino5894]

@jo nathan it depends,there are factors to consider and questions you should ask yourself if that really fits for you. .if you are single and you dont have dependent yet,do you think you need the LIFE component of the VUL,if you are young and you can be aggressive ,invest your money on something that will give you higher returns. Now,if you have your own family,and you have dependent,thats a big reason that you should get VUL,not only it gives protection to the future of your family if something happens to you at time same time there is investment component .

[@AESTHETICJovie]

Hello po, may tanong lang po ako. May endowment plan po ako dati, maliit lang naman ang amount na binabayaran ko, supposedly 7 years to pay, pero last 2016 nadeclare cla ng bankruptcy. Nasa 3 na po yung nabayaran ko ng madeclare cla. Nong time na yun, andito ako sa saudi. Dahil masyadong bc dito, late ko na nalaman na nagdeadline na pala cla sa mga claimant. Tas ngayon, nag ooperate na naman cla uli. May posibility pa kaya na makaclaim ako? Thank you.

[@WealthArki]

Jie Von Shie kindly ask the company itself of direct your inquiry to the Insurance Commission. Thanks!

[@InvestedLifestyle]

Dont forget to mention na madaming admin fees at deductions sa VUL. Ung ibang VUL pa may cap sa gains.

[@marlonolayta5458]

makikita ba ang nga fees at deduction sa policy/plan once na signed kana?

[@InvestedLifestyle]

Marlon Olayta yes! Ang mga titignan mo is first ung 1. Expense Ratio, anything above .5% is not good. 2. Admin or Management Fees 3. Commissions. Usually kasi nasa fine print yun and they make is super complicated. My rule in investing is if I cant understand it, its not for me.

[@marlonolayta5458]

@@InvestedLifestyle wala po akong nakitang expense ratio sa proposal na binigay sa akin. pwede mo pahelp, ano po email add nyo para ma review po yung elite 15 plan

[@InvestedLifestyle]

Marlon Olayta Hi! Cards on the table sa sobrang busy ko kahit iemail mo ko di ko din mababasa. At like what I said sobrang complicated ng VUL fees. There is an expense ratio sa bawat investment, if di mo makita more likely you cant control where they invest your money which is more scary. Sa yearly statement mo makikita mo ung fees na binabawas, kailangan nila iitemize un. Im still researching kasi plan ko na gumawa ng video about VUL para isang explain nalng, madami din kasi akong kapamilya at friends na dating my VUL or currently nagbabayad at nagtatanong ng same na tanong mo. I will try to make it as simple as possible. In the meantime manood ka din ng iba pang videos dito sa VUL, madami ding mga lawsuit dito sa US about dun.

[@ProfE30]

Kita po sa ibang insurance company yung vul fees. Dapat lang talaga ipaalam din sa mga kukuha ng vul na may fees for that.

[@mainabua21]

Hello po. I have the Kaiser insurance tinatawag na 3in1 dahil nay investment na po and health and life. Okay na po ba yun?or I have to add something else po. Salamat po for the both of you. Godbless

[@WealthArki]

Hi we can give a more accurate recommendation if we are able to see your personal finances and resources. Kindly drop us a message in our FB page or email us at [e-mail]

[@joycetan9943]

Mga bossing ask lang sana ng wise insights ninyo. Dba you should have an EF and insurance before investing. May EF nako and back then sabi ko may insurance naman kami sa company. Breadwinner po ako but what if (knock on wood) i get sick or for whatever reason I lose my job e di wala na ko insurance dba? Although im only in my early 30s, no PEC, id say im quite well. Very slim din chances of losing my job or not having one dahil breadwinner nga ako and of course i wont join a company with no insurance. When you say "dapat may insurance ka bago mag invest" ok na ba na may life insurance ako sa company ko? If not, would you advice na mag term life ako or VUL?

[@WealthArki]

Joyce Tan the insurance depends on what you can afford. We would recommend the one that fits your budget and gives the coverage that you need. If you want, we can do an online consultation with you as part of our services. Let us know if you’re interested. Thanks!

[@blanceblancaigot5211]

Hi, it depends po sa need mo. I can discuss this with you. Please email me at [e-mail]. Have a great day! 😊

[@alyssarigon6828]

How do you compute projections in mutual funds and UITFs?

[@WealthArki]

You base it on outlook, not on historical data.

[@skynetchannel7157]

Sna maexplain skin ung nkuha ko n insurance.. critical care plus ng bpi philam..ang sabi kz skin na payable xa for 7 years..after 7years pwede ko mawithdraw a portion of what i pay monthly..wag daw lahat kz mawawala ung insurance ko..gusto ko lng malaman kung tama b ung binigay ski ng insurance kz un ung gusto ko n insurance ung savings n ko may insurance p ako..and if ever n gusto ko n withdraw pwede ko iwithdraw..tama b ung critical care plus ng bpi philam ayon a gusto ko mangyare o mali ung insurance n nakuha ko..sna po masagot ako..

[@pusongbato5192]

How about me i have a insurance ung pong cocolife is it good or liget?

[@WealthArki]

Hi Jenny it would depend on how much coverage your need. We can review your policy. Kindly send us an email at [e-mail]. Thank you!

[@noelalminiana3032]

hello mga sir. i just recently availed vul with coverage of, 300k (covered until age 100 unless i wdraw my inv after paying 5 yrs) im single 33. ok na po b un sir? 15k /annum payable in 5yrs.

[@WealthArki]

Hi! To give an accurate comment on that, we have to know first your financial goals, needs and resources, and then we can find out if what you have purchased is really the best one. We can do that, though, through our Insurance Audit services where we can check your product purchase vs. the previously mentioned factors and compare them with the ones that are available in the market. Our professional fee for this is P5k in inclusive of research and a written recommendation. Let us know if you would be interested for this engagement. Thank you.

[@netvillalon2587]

What product is best to be taken for a 60 year old ? Need is insurance & a little investment for apos

[@WealthArki]

Net Villalon we would have to do a financial consultation for that as we take into consideration a lot of variables. Kindly email us [e-mail] to set an appointment. Our professional fee is at P1.5k per hour inclusive of a written financial recommendation. Thanks!

[@BabyKristoffCuteness]

how about cocolife future savings sir? need more information about it. thank you

[@WealthArki]

We’ll definitely have it one of these days so please do stay subscribed to our channel. For the meantime, feel free to browse our playlist for other videos that you may find interesting. Thanks!

[@SherwinMooreDablio]

Cocolife Future Savings is not a VUL... Endowment sya. better mag VUL ka nalang

[@forchfernando3983]

Buy Term Invest the Difference!

[@milanavecilla3183]

Sounds familiar, i knew a company who made this selling pitch...just saying po

[@sofiemeleikidztv2375]

maganda po ito na advice sa mga disciplined investor

[@diannemariegonzales3933]

What's the difference between VUL UITF and Stocks.

[@WealthArki]

Dianne Marie Gonzales we have a video on that. Please do check our Insurance Playlist. You may start with this: kzbin.info/www/bejne/oqmzY3aaa5aCe5o Thanks!

[@ivanrivera6514]

Hello po, sir di ko po masyadong magets kung bakit hindi ka lugi kung convertible to VUL ung term insurance na nakuha mo. Nakuha ko naman po kung bakit nila sinasabing lugi ka sa term insurance kasi kapag walang nangyari, totally expense mo talaga ung mga premiums. Ano po ba ung kagndahan kapag convertible sa VUL ang term insurance?

[@WealthArki]

Ivan Rivera hi Ivan. If the Term is convertible to VUL then you build up your fund value over time. We can actually help you with our consultation services as talking about insurance will require a lot of factors to consider. Just email us [e-mail] if you would be interested. Thanks!

[@madelynhubilla8182]

Hi sir, dba po in vul the coverage doesnt connect sa pag taas ng fund mo /fluctuating of market.

[@WealthArki]

It has a minimum death benefit but some give you the benefit of the funds value plus the minimum death benefit itself.

[@carloduran5612]

VUL ko 10years to pay til 88 yearsold insured.

[@marichurevelo9321]

Ano ba meaning ng reduced paid up insurance