Vince Rapisura 504: Should I cancel my VUL even if its fund value is LOW? with Alyssa

[@rosielixdavidmd5044]

10 years na VUL ko. 300K+ na nainvest. 135k na lang naiwan. Ang laki naman ng charges ng VUL. I suppose to gain despite down market because of pandemic, dahil mas mababa pa ang market index nung kumuha ako ng VUL. Kamatayan na lang siguro ang solusyon para makabawi ako.. di lang siguro cutloss, cut life na lang din. huhu

[@rencechannel2240]

Natawa ako dito haha

[@thirdsandaime9649]

🤣🤣🤣

[@mlauncelp8018]

Cut loss na sa VUL, guys. Learn from mistakes nalang at wag na magpaloko.

[@reynaldosierrajr7851]

Alyssa Please read you Policy Book. Everything you ask can be answered there. I think its all fault of the Agents who does not properly explained VUL. From the very first start of the policy you already have a Millions of life coverage. As explained po, Projections of fund is indicated and should have duscussed to you correctly. How ca a Bank BDO offers VUL that seems to be scam? How can be PhilAm Life insurance be scam? How Can Sunlife be a scam? How can Manulufe be a scam? How can Pru Life UK be a scam? How can AXA life insurance be a SCAM? When you deposits your money on the bank di you know that it is also invested internally?

[@travelPhTv]

ang question dyan, kapag bumili ka term, at sinurender mo ang vul, hanggang kailan ang coverage ng term? covered ka ba hanggang pagtanda? at kung tumanda ka na at gusto mo ng term insurance, affordable pa ba ito o siguradong insurable ka pa?

[@cooltartli4739]

Naku sir vince ganyan nangyari sakin kahit talo ako kinancel ko na kesa ituloy ko kasi mas malaki pa mawawala sakin,kasi kung ituloy ko nakita ko na mas malaki pa kikitain nila kesa sa hinulog ko thanks sir vince buti nakinig ako sayo nung unang sinabi mo about vul

[@psuchemousike]

Love your analogy on "sayang", Sir Vince 💕

[@SirVinceRapisura]

Di ko na matandaan. Mapanood nga ulit.

[@psuchemousike]

It's the one po na parang natapon yung pagkain tapos kumuha ka pa ng more pagkain na matatapon din... parang related sa sunk cost fallacy po.

[@joannes9738]

sir vince, pano po ung vul n one tym payment lng ano po kea dpt q gawin ang baba po ng account value mag 8 yrs n po xa ds yr hintayin q n lng po b n mag 10yrs or withdrahin q n po ano po kea tama q gawin sir vince,TIA po

[@mmv14]

Ano po yung BTID?

[@reivite1245]

VUL means you're insured yet forget about getting ALL/EVERYTHING you've paid/premium coz what you'll withdraw is only the FUND VALUE of your policy and NOT everything you've paid. For example your total contribution is 300k. If its account or FUND VALUE is only 100k, that's the only money you'll withdraw. And your account will be permanently closed including your insurance.

[@agbiaglakay9272]

Sa akin mukhang nabudol aq sa VUL sa AXA kc 7th year n aq ngaun yung total 300k ko n naihulog for 5 years nsa 170k value nlang as of today dman lng nag break even mukhang mauubos lng pundo ko sa monthly charges. wla man lng growth yung invesment side nya for more than 7 years. Mas ok pa sa Gcash less than 1k a month more than 1m pa ang life insurance.

[@remyvlog4853]

Relate much

[@imeldabautista537]

Thank you Sie Vince, now alam ko na po na dapat i close na...as in NOW NA !!!

[@dianaoliquino1327]

Pero kung investment po hanap nyo yung mabilis ang return hindi VUL ang bagay sa inyo. But for me VUL is good kesa wala. imagine 10yrs kalang maghuhulog Pero until age 88/100(depende sa kinuha Nyo) ay insured ka na

[@juanlakad6842]

LOL, wag kayong withdraw ng withdraw dahil lang sinabi ng mokong na ito. Read the policy you availed. Most VULs have high surrender charges on the 1st 4 or 5 years. In VULs, mababawi mo ang mga binayad mo near or at the retirement age. Halimbawa, kung ang total na binayad mo ay 1M, ang fund value ng policy mo at the retirement age is around 1M. Nasa policy mo yan, babasahin na lang.

[@BlackCatBelzebub]

Galing ni sir vince, Sana napanuod ko to before ko kinuha ang VUL ko ngayon.

[@jesslas630]

Hi Sir Vince...how about my Sunlife MaxiLinkPrime VUL...almost 4yrs na 252k na total amt.paid and fund value only 120k..pls.advise what.to do? Can i cancel the policy?

[@natsgepega4607]

Don’t cancel yet. Talk to your Financial Advisor!

[@alyssahenneseygonzales5830]

same... 2 VULs. both lugi

[@natsgepega4607]

@@alyssahenneseygonzales5830 walang lugi sa VUL. Pag may nangyari sa yo, God forbid, paano na beneficiaries mo? VUL usually takes at least 5-6 years para mag break-even. Afterwards, makikita mo at maiintindihan mo ang value ng VUL. VUL is not an investment! Take it as an insurance plan with forced savings but with higher interest rate. Pag nag save ka sa bank, kailangan mo ng disiplina at mababa interest rate. Sa VUL, 4-8% ang interest rate.

[@boljak5928]

@@natsgepega4607 lugi parin sir 5 yrs na aq sa vul walang pag asa umangat pera jan..laki ng lugi q..maganda sya kasi secured family mo pag may nangyari sau pero pg wala ok kanaman sa awa ng dyos after 10yrs contribution mo magkano kaya lugi mo..

[@margenicoleroa4645]

@@boljak5928 hi!! just compare your total premiums paid to your death benefit, i think diyan palang po sobrang kita ka na :)

[@favoriteplaces6627]

Kaya ngayon december iwiwithdraw ko na full fund value ko. Baka tumaas pa kunti

[@johnwick-ti2kf]

hi po ask ko lang kaka start ko lang ng policy with sunlife vul after watching this video, gusto ko na i cancel, nkapag bayad n po ako ng initial, how to cancel po and may mga fees ba if i cancel?

[@leslieyadao8215]

Depende rin sa goal mo….eh kung term pag nawala k lng family ang makikinabang…pero kung me portion n ikaw sana ang makikinabang khit buhay k p

[@margaritoapelanio]

Ang Ganda ni ate Alyssa

[@Patty-qs2ky]

2 years na po ako nahulog sa VUL ko, panu ko ma refund / cancel!? sunlife po ang nakuha ko

[@reynaldosierrajr7851]

Alyssa Please read you Policy Book. Everything you ask can be answered there. I think its all fault of the Agents who does not properly explained VUL. From the very first start of the policy you already have a Millions of life coverage. As explained po, Projections of fund is indicated and should have duscussed to you correctly. How ca a Bank BDO offers VUL that seems to be scam? How can be PhilAm Life insurance be scam? How Can Sunlife be a scam? How can Manulufe be a scam? How can Pru Life UK be a scam? How can AXA life insurance be a SCAM? When you deposits your money on the bank di you know that it is also invested internally?

[@esperanzacana2697]

Same here! I'm also planning to terminate my policy. Btw, nakapag-cancel ka na po ba? Ano po ginawa mo?

[@johnwick-ti2kf]

@@esperanzacana2697 maam nkapag cancel ka na po ba?

[@Josewww350]

Pag nag cancel po ako sa VUl ko na 2 years palang naman nahuhulugan May makukuha pa naman ako po no?

[@danielparco7664]

di totoo ung sinabi ng agent na 10 years to pay lang , wala sa contract at tinanong ko office habang buhay habang buhay ka nid to pay, unless ung kita ng investment ay maka cover ng payment mo

[@blacklighting7008]

nakabili asawa ko ng VUL na di nia alam na VUL..5 yrs na ako nag babayad..yun ang baba ng value..nakaka bwct un insurance na yun..di pinaliwanag sa asawa ko..pull out na namin 80%. my pinatira ang agent para daw insured pa rin..pero kakainin ang remaining pag bumaba pa ang value .lalo ako naasar nun napanood ko to..luge

[@utoytotoy6416]

Bakit ngaun lang kau nagpaliwag ng ganito natalo na kami ng malaki

[@christiandelapena8623]

Ganda ni ate, more so after she removed her glasses.😍

[@xiansasuke]

Can i still cancel may VUL? Naka sign na ako ng contract, pero hindi pa ako nakakapag start ng 1st payment.

[@mlauncelp8018]

Yes you can cancel anytime

better have Long-Term Healthcare

[@hannacoqs9333]

how about yung 3 in1 na may health life n retiremnt ok po ba yun sir?

[@luther7541]

Health necessary. Life if you have dependent. Retirement = DO your own research and investment. Follow Nicole Alba for other options in investment in the Philippines

[@lemuelpage]

Kaiser po

[@leifmk7543]

I have aready paid 7 years out of 10 years to pay of my VUL. Kung i-wiwithdraw ba then invest, saan pwede ilagay? Insurance company they invested also sa stock market which is ang PSEI bagsak ngayon. Ang layo ng takbo ng PSEI compare sa stock market sa mga bansa sa Europe.. Sayang din kung i-withdraw parang tinapon mo lang ang pera. For me hayaan ko na lang kasi I also invested in stock market PSEI malaki din ang paperloss ko. By the way, I have 3 insurances, Philippines and abroad kaya no worry din.

[@easybee2412]

I felt a sigh of relief when i read this; we almost have the same situation:)

[@mafidelapascual5115]

hi sir vince, what if po gusto ng client na life coverage up to 100 years old, can a vul po ba is good decision? is term insurance has life coverage po na 90 years old pataas?

[@luther7541]

Grabe naman kung at the age 90 may dependent ka pa rin.

[@margenicoleroa4645]

for sunlife, yes po meron po until age 100 :)

[@raiszki]

halos lahat ng comment dito stop na nila insurance nila na may VUL after mapanood nila to,which is hindi ko maintindihan sa mga nag avail ano ba habol nyo kumita yun pera nyo or tumubo kesa sa insurance na under neto? bonus nalang yun investment kasi,pero kung iisipin ko if mag aavail ako normal na insurance same din naman babayaran ko, napansin ko lang lahat comment dito puro yun VUL bihira nakita ko dito yun concern and minamind nila is insurance and may maiiwan sa mga anak at pamilya pag nawala ka at nagkasakit ka in that case hindi ka magiging pabigat sa pamilya mo take not nag avail din ako ng maxiprime sa sunlife na habang buhay ako continues payment ko. nag dadalwa isip nadin ako mag backout kaya ako napadpad dito sa youtube nya pero hindi ko pa napapanood sa comment section muna ako nag check 😅

[@remyvlog4853]

Ang sayang nkaka stress

[@yukimori3635]

hi sir, i am convinced. can you recommend better options or term insurance to replace my VULs?

[@natsgepega4607]

Don’t replace your VUL. Talk to your financial advisor. If u dont trust your FA, contact customer service and request to change your FA. Your VUL will go back to normal when NAVPU is high.

[@dianaoliquino1327]

Tuloy Nyo lang po VUL. Ganyan din po ako dati, gusto ko nang itigil kasi parang lugi ako. But you are also paying for your insurance kaya talagang don't expect na kung ano yung binayad mo ay Yun ang current fund value mo pero tataas din po yan

[@vinlarax7645]

May VUL po ako, 3 yrs ko na d nababayaran sabi kasi auto debit, d naman nag auto debit pero nakapag initial payment ako worth 3k Ngayon gusto ko ipacancel, may surrender charge daw. Any idea po 3 yrs palang?

[@rodelbalanza]

hi po sir vince, may tanong po ako may insurance with investment po ako 5 years to pay,, nakuha ko po nung 2016 pero fully paid na po. lately ko lang po nalaman ng VUL po pala sya... ngayn when i checked yung Account value nya nung nasa 5th year nya ay mataas pero lately lang this month Sept 2x ko po check ay bumaba na po sya,,, baka po mauusbus yung account value na nya... widraw ko na po kaya? (ang nabayaran ko po ing 5 yrs ay 760,190.00) pero yung account value na nya at this time is mababa pa jan... thanks po. saan p[o ako pwedeng kumuha ng Term insurance. po, thanks

[@RaffyART1995]

Tumubo ba? Kamusta na?

[@jirobejirobo2288]

gamitin mo yung permanent disability para hindi ka lugi 😅

[@jccabalentv3254]

Vnce, sad to say. Have 4 VUL??? 🙁🙁🙁🙁

[@dondoncruz8196]

Mga expert ba talaga mga fund manager ng mga insurance company... Kase nag start ako 2015 nasapol ng pandemic wala ba silang cutloss sa mga stocks na binibili nila. Nasa 7400 na PSEI lugi pa rin ano kaya yun. The market starts to recover siguro itong mga fund manager na ito hindi marunong mag cutloss. Sa mga bagong bili vul naman especially after ng pandemic dapat gain na kase bagsak lahat ng stocks nung pandemic but recover na Ngayon especially yung mga blue chips company

[@jennifernama4384]

Sana napanood ko to bago ako kumuha ng vul. 2 years na kong naghuhulog pero ngayun ko lng narealize na mas malaki ang nawala saken 😭. Wala tuloy choice kundi icancel n lng

[@dianaoliquino1327]

Wag po mam, sayang. Ituloy Nyo pa rin. Ganyan din ako pero inaral ko at tiningnan ko mabuti yung magiging benefits ng VUL saken at sa pamilya ko, kaya itinuloy ko pa rin

[@bhengmercado3804]

Sir vince ang kaizer po ba is condidered vul po rin ba. Thanks for answering

[@magicpotatoyt2001]

Up

[@07lian]

Insurance po

[@WinnieRagudo]

no. It's primarily a health program, not an insurance plan. May insurance component man sya, it still is not the main reason why you are buying it.

[@darylbanquil2655]

HMO

[@virginiakobayashi3637]

Tama po tapon pera lng dyan sa vul sobrang laki po ng pag sisi ko bakit ako kumuha nyan kya po kahit halos kalahati po ung lugi ko nag withdraw n po ako kesa po mawala n lahat ung pera ko...nkakalungkot tlaga😢😢😢

[@SirVinceRapisura]

Ano pong explanation ng agent ninyo?

[@herming7212]

Sir, advise me please. Paano ipapahinto yung vul pag nasa abroad po?

[@mimicarter5898]

Wag pong mag panic. VUL is not all bad. It is important that you speak with a learned Financial Advisor. I know a friend (not a client) who has a VUL plan which he paid only for 3 years from its effectivity in 2009, but because he moved to US, he failed to pay for 6 years. Upon checking his policy is still valid because the investment portion of the policy sustained the same for 6 years despite non payment of premium. It became the source of automatic payment of insurance cost/charges. At Sun Life we always emphasize that the investment portion of the VUL policy is not guaranteed. The illustration in the policy shows that the insurance charges are payable up to maturity. Only the life insurance is guaranteed. So when buying VUL we stress that the fund value being an investment does not provide guaranteed returns. It provides flexibility of the policy in the sense that when you have sufficient fund to cover the charges you can opt to stop paying your premium as is the case of the client I mentioned about. In the case of the policy mentioned in this video which fund value is low, it is because the investment portfolio chosen by the client is affected by the pandemic. Most investments are affected by this pandemic, it is not just the VUL. In case the fund value is insufficient, then there is really a need to pay at least the charges so the policy will not lapse. If I were to advise one if she should withdraw or cancel her existing VUL policy- I will first ask the client: are you still healthy now? Does your policy still has fund value? This is because of the following reasons: 1. When you bought that policy you have already locked in your insurability. Not all people who want to purchase an insurance policy can buy one. The insurance company will look into your insurability because it is taking the risk- your health, your age and your kind or work are taken into consideration in assesing the risk. Why does insurance company need to do that? Because it is the one who will pay your heirs more than 10 times of the premium you paid for it. Also remember that age also plays a factor in premium computation. In general, the older you get the higher is your premium. 2. VUL is flexible. If your fund value is sufficient to pay the insurance charge (which is a small percentage of your premium) then you can opt for premium holiday. If it is not sufficient, you can opt to pay just the insurance charge to sustain your policy. VUL is not for everyone but VUL is not bad. It is not to be taken as investment per se because it is basically an insurance policy. The investment or savings portion of the policy is just like any other investment that is not guaranteed. It has its benefits, too as I have mentioned above. It is important that when buying VUL one must talk to a Financial Advisor who can explain its pros and cons which are relative to the client’s needs or preferences. As Licensed Insurance Agent and Certified Mutual Fund Solicitor, I do Financial Needs Analysis of my clients needs, capacity and risk appetite. You may follow my FB page to know more. @MinaCarterJ

[@jennylynclamor6966]

Hello sir napanuod q po kasi vedeo mo about sa pag ibig mp2. Tanong q lng po d po ba makaka aply sa mp2 pag wala ka pang p1?

[@ellengmarcelo]

Kailangn po na meron p1

[@bezalelilagan7920]

Okay, I will my cancel mine na. 😁, better talaga BTID na lang. lalo ngayon, parang ang cheap na lang ng binibenta ng mga sales/insurance agents, andami na nila.

[@elenitacuales9238]

Hi sir Vince new subscribe po ask q lang po time investment po ginawa q pero may vul po ok lang po ba un.

[@mayadollete2856]

Sir Vince question lang po ang BDO life ba ay VUL din?

[@reynaldosierrajr7851]

Alyssa Please read you Policy Book. Everything you ask can be answered there. I think its all fault of the Agents who does not properly explained VUL. From the very first start of the policy you already have a Millions of life coverage. As explained po, Projections of fund is indicated and should have duscussed to you correctly. How ca a Bank BDO offers VUL that seems to be scam? How can be PhilAm Life insurance be scam? How Can Sunlife be a scam? How can Manulufe be a scam? How can Pru Life UK be a scam? How can AXA life insurance be a SCAM? When you deposits your money on the bank di you know that it is also invested internally?

[@foodrevph2236]

VUL is useful for long term goal.VUL and Term has their own purpose.As what Mr.Rex Mendoza said you can't compare the both of them because they have theor own purpose.And Mr.Vince before you educate people please do your own research.This is alarming!You educate people on your own benefits.I hope IC see this to give you a lesson.

[@ferdieisla9799]

Sir Vince , just want to ask is SUN FLEXILINK (by SUNLIFE) considered as VUL? or is it Term Insurance?

[@mlauncelp8018]

VUL

[@marichikawa2400]

Sun flexilink din po ako. 12k annual ko hindi naman kasing laki talaga ng maxilink kac i think higher than flexi is maxi na 24k ang annual premium mag wiwithraw ba tayo nagugulahan na talaga ako

[@natsgepega4607]

@@marichikawa2400 don’t withdraw. Flexilink iand all VUL’s are Life Insurance with savings/investment component. Ang binabayaran mo talaga sa VUL is Life Insurance. At para may miipon ka, ininvest mo yan sa stock market,bonds, similar to mutual funds = yan ang investment portion ng VUL.

[@MikeMaravillasPT]

manloloko yang mga taga SUNLIFE GREPA na yan talaga!

[@aimendoza8460]

IMO... Cut your losses... Cancel your VUL Now... habang nag huhulog ka pa... lalo ka nasusunog sa VUL. Tama Si Sir Vince.... Habang maliit pa ang talo mo... Tigil mo na... kasi lalo ka lang matatalo in the long run.

[@SirVinceRapisura]

Yep

[@almamondragon5570]

May VUL din ako and on my half way for 5year completion. I have paid ₱150k but I opt to cancel it. Sayang talaga kasi that's my hard earned money. Thank you Vince for sharing your thoughts, it affirms my decision. #lessonlearned

[@reynaldosierrajr7851]

Alyssa Please read you Policy Book. Everything you ask can be answered there. I think its all fault of the Agents who does not properly explained VUL. From the very first start of the policy you already have a Millions of life coverage. As explained po, Projections of fund is indicated and should have duscussed to you correctly. How ca a Bank BDO offers VUL that seems to be scam? How can be PhilAm Life insurance be scam? How Can Sunlife be a scam? How can Manulufe be a scam? How can Pru Life UK be a scam? How can AXA life insurance be a SCAM? When you deposits your money on the bank di you know that it is also invested internally?

[@bernadettemanganaan5273]

Yes tama yan maam withdraw mo nlng ako din naka 5yrs din ako sa vul na yan.winidraw ko sya july this yr .almost haft lng nakuha ko, nilagay ko nlng sa mp2 ko

[@esperanzacana2697]

Paano po ba ninyo naiterminate yung VUL? 1 year palang po ako sa Sunlife, maxilink100 yung kinuha ko. Yung fund value po ba ay pwede kong i-withdraw?

[@dianaoliquino1327]

Ituloy Nyo lang mam. Ganyang di ako dati Pero nung naintindihan kong maigi ang VUL, ay itinuloy ko pa rin.

[@jrdreamvet]

Insurance po ang VUL na may kasamang investment..hindi po sya pure investment..pumapasok kayo sa mga bagay na hindi nyo naintindihan..yung investment side ng VUL is bonus na lang yun kasi insurance nman talaga ang main purpose ng VUL..kung investment pala gusto nyo eh sana nag stock market na lang kayo..hahaha..insurance po yan at meron yan cost kaya hindi ibig sabihin na 500k na nayaran nyo ay dapat ganun din yung kita sa investment nyo..ano kayo tanga!

[@ellengmarcelo]

Sir Vince dami tapaga naming natutunan. Sayang ang pera😭 Question po: kung nasaan ka ba dapat dun ka kukukha ng insurance? Hal, kami nanadito sa Bahrain , dito ba dapat kumuha ng term insurance? Or pwede jan sa Pinas.Salamat po

[@Pinki_Sprunki-Yay]

Yes pwede po makakuha ng life insurance kahit nasa abroad,PERO dapat po is under ng GROUP insurance,like yung husband ko po nasa Dubai po sya nung kumuha ng TERM INSURANCE(Buy term invest the difference) from Manila Bankers Life po,napakamura lang po, Message nyo po ako sa Messenger para share namin paano mag avail po facebook.com/shirley.imbang

[@lucelbautista8107]

eto ako ngaun.. 419k ang nahulog... ngaun nasa 256k nalang pwede kong makuha minus 15% para sa surrender charge.. ewan ko kung may tax pa na kukunin.. hays.. inantay kong umakyat ng konti.. umakyat pang konti.. 20k.. from june 2020 to nov. 2020.. umakyat pa syang 20k kase tumaas ang NAVPU.. di ko alam kung aantayin ko pa bang tumaas po o iwithdraw ko na ba agad agad 😂.. nangangarap pa ko na mag 1.02 man lang 😅

[@lucelbautista8107]

habol ko lang fully paid ko na itong policy na ito... ngaun ko lang nalaman ang sistema ng VUL.. scam talaga sya 😂..

[@maryrose6359]

un s akin halos ganyan dn ang situation pero nde nman ganyan kalaking halaga😅 Parang nde q afford un lose n mag cancel ng plan. Since my fund value xa n mejo malaki n, nde q n lng bnayaran. so far mahigit 2 years n aqng nde nagbabayad ng plan q pero on going p dn xa. Ang mahalaga lng jan ay nde mag negative o zero un fund value mo.

[@lucelbautista930]

@@maryrose6359 tumataas pa po ba sya?? kumpara don sa dating account value?? kase ang charges gaya ng sabi ni sir Vince don talaga nila kinukuha sa unit balance mo... so ending paubos talaga un.. ang tanging pag asa mo nalang ay ang pagtaas ng NAVPU 😔.. aantayin ko lang konti makabawi ung akin.. aayaw na ko.. laki na kase talaga ng talo ko.. kala ko talaga investment napasok ko.

[@corypadiernos8497]

Mam ilang yrs na po ang 419k? Wala po pala tlga kumikita sa vul 😭😭 gusto kona din mag cancel or mag term na lng kaso hinayang din 150k nahulog 60 na lng fund value

[@blacklighting7008]

share ko lang mga maam sir..my value na 150k na nahulog namin..bumagsak c vul nun last na nag ask kami..un 150 namjn naging 90 nalng..sbi wait lang wag mag cancel at baka tumaas pa..ge wait .after isang buwan..80 nalang .cancel na namin..nakuha namin 60+ nalang..kakabwict..tama si sir..treat nalang na napakalaking tuition fee sa lesson ng buhay

[@Mssgtrs]

Better watch sir REX MENDOZA 'S VIDS. 👍

[@natsgepega4607]

Yikes! I totally and respectfully disagree. Don’t terminate your VUL’s! Stick with it. Talk to your Financial Advisor!

[@charlielao9680]

Agent?? Ano bhang purpose Ng mga FA..?? They sell a product for commission only..Kasi kung concern sila never nila Gawin to sa Amin..laki Ng loses ko ha! Almost 70k.minimum earner lang ako..kailan Kuna mabawi Ang losses ko .tapos ano maitulong Ng FA na sinasabi mo..mabalik bha Nia Ang loses ko na pera??

[@krslycrtqt871]

True, FA ko nga umalis nlang porket nag ka commission na🤣🤣

[@binosworld3896]

@@krslycrtqt871 FA ko wala na pla sa sunlife d ko man lang alam 🤣🤣🤣

[@jccabalentv3254]

2 yrs dividend... That's bdo life

[@heavenlyinspired2704]

Haha... Mas lugi ka nga sa term insurance ehh🤣🤣🤣🤣🤣 ang kinocompute nyo kasi early yearss, xempre malaki tlga mappunta sa insurance company.. try nyo kaya magcompute ng term insurance versus VUL in long term let say 40 years ka maghuhulog, tingnan nyo kung saan ang nakkahinayang😅😅😅😅

[@eydelcruvil]

depende po kc sa covergae ng VUL un. for example 240k you pay in 10yrs pero sum assured mo 350k. kita ka na po ng 110k agad, in a sense pag may nangyari sa'yo kahit 1yr lang nabayaran mo or 24k makukuha pa rin ng beneficiary 350k. sir, you need to explain to your viewers that VUL is not investment but more on insurance. para to sa mga ayaw magbayad ng insurance for life kaya 10yrs lang kinuha nila. you don't earn in the first 10 years dahil don ka pa lang makafullypaid. 20 years pa bago mo makita na malaki na yung pera mo. kc nga insurance xa not investment. pang-akit lang yung investment na withdrawable para may madudukot pag gipit at hindi mo pwede izero out. ayun po. i'm not an insurance agent. personally may VUL ako. oo nakakafrustrate na madami hulog mo kesa sa napupunta sa fund value mo pero in the long-term perspective mas ok na may insurance ka kesa wala. magdiversify ka na lang ng funds mo as you go along. pwede ka maglagay sa coop, pag-ibig mp2, atbp. pero mali po ata na ipaintindi sa mga nakikinig na lugi sila sa VUL. kasi yung term insurance lifetime nila babayaran e until buhay sila pero yung VUL tapos na within 10 years lang kaya malaki charges minamanage maman funds ng maayos. malaki po talaga difference ng dalawa. you should make an analysis of VUL na 20 years na and beyond. Don mo makikita kc talaga e. Pero now since bagong introduce sa market ang VUL malabo magawa yung analysis na yon. Kaya nga prinesent ng agent first yung projected sa client. with that makikita mo kung magkano yung retirement mo kung baga. kung hanap mo mabilis na returns VUL is not for you. if you are to get an affordable insurance na hindi ka mastressout and you are willing to wait and be patient you can risk VUL. Long-term perspective po.

[@dianaoliquino1327]

Tama po

[@LocusSix]

Masyado lang kasing bias si sir Vince

[@elbulakenio4457]

I terminate this vul after 4 yrs of payment.. naloko nko mg mga ahente n yan. Totoo nahulog ko 250.. pero present value 90.. yun lng nkuha ko 90 less maubos pa.

[@mlauncelp8018]

Yung friend ko, 60k nahulog niya in 5 years, pero 12k nalang ngayon.

[@corypadiernos8497]

Itterminate po ba tlga di kaya pwede swith form vul to term? Pra insured parin

[@esperanzacana2697]

Paano po ba i-withdraw yung fund value? Magte-terminate na rin po ako ng VUL sa Sunlife.

[@virginiakobayashi3637]

Korek po ako din naloko dyan sa vul ung pera kona po na 188k pa Nung kukunin Kona pa halos 1k na lang daw po nkaka iyak tlaga...

[@oteplisoy]

May investment bang walang risk??? hahahaha nakadepende ang reward kung gano kalaki ang risk. wag mo sila utuin. alam ntn nangyare na to noon. 2008 markey crash, dami nalugi, dami nagwithdraw pero pagdating ng 2013, biglang angat ang market. nagtriplehan ang mga investment. oh anyare, edi iyak ang mga nagwithdraw ng palugi? kung mag aadvice ka, dapat ang advice is, Only invest the amount of money that you can afford to lose. Kadalasan ang iinvest ay ung mga tulog na savings lang. Diversify your money. Have your own savings account, your own business and invesyment. and malulugi ka nga ba talaga kung di no wiwithdrawin ang pera mo? eh kung covered ka naman ng life insurance? pag namatay ka ba, ano makukuha mo? fund value ba? or ung oagkataas taas na death benefit????

[@luther7541]

CLose na yan. Stop financing things you don't like or believe in.

[@reynaldosierrajr7851]

Too bad you mis interpret VUL and Term Insurance.

[@jrdreamvet]

For me VUL is good. Wag nyo isipin yung fund value. Ang isipin nyo is kaya kayo kumuha ng insurance kasi gusto nyo ma insured. Kasi kung investment yung gusto nyo ay sana wag na kayo kumuha ng VUL. May punto nman yung advise ni Vince pero Mali nman yung pag explain nya sa question ni caller. Ang tamang sagot dun is dapat tanungin si Caller kung ani reason bakit sya kumuha ng insurance. Insurance is para ma insured ka. Yung investment side ng VUL is bonus na lang yung. Kunyari total nabayaran mo is 500K pero ang fund value mo is 200K lang. Pwede mong e withdraw atleast 80% ng fund value. sa tingin mo magkano na lang kaya cost ng insurance mo? Diba mas mababa sa 500K kasi naka withdraw kana eh and to think insured ka. Thats fulfilling diba. Wag nyo lang e withdraw lahat ng fund value para hindi ma terminate.

[@margenicoleroa4645]

true!!!! isipin na lang nila yung death benefit, don palang bawi na yung premium na binayad nila

[@jrdreamvet]

@@margenicoleroa4645 hindi naman legit na financial advisor or financial guru si Vince kaya galit sya sa VUL.haha.nagkukunwari lang nman yang magaling sa investing..ang layo nya kina MArvin Germo, Rex Mendoza, Randell Tiongson..mas kapanipaniwala pa yun sila kaysa sa taong ito. i will give a big thumbs down sa baklang to..minimislead mo yung mga OFW na mali yung pinasukan nila. VUL is good!

[@emmanuelopez08]

for sure FA ka kaya ganyan ka mag isip hahaha ganyan na ganyan sinabi sakin ng FA na kausap ko that's why I didn't accept his offer :)

[@emmanuelopez08]

nag offer kayo ng VUL then you're telling me wag isipin ang fund value. HOW IRONIC HAHAHAHA "bonus nalang yung investment" mapapa sheeeesh kana lang!

[@jrdreamvet]

@@emmanuelopez08 kahit na anu pa sabihin ng FA ang magdedesisyon nman is yung client. Dapat alam ng client yung need nya na insurance. Kung sa tingin ok si VUL or hindi nasa sa kanya na yun. Kung kumuha ka ng VuL tapos ngayun nag rereklamo ka ang ibig sabihin lang nun ay hindi mo alam ang pinasukan mo

[@jirobejirobo2288]

para hindi kayo lugi edi gamitin nyo yung insurance nyo like prrmanent disability hahaha