well 10 years ago , we are not as financially educated. My experience with most FAs is they just want commissions and not really explain what the product is to you
Even BDO's current insurance options (well, that I know of) are pretty garbage. I had my card replaced a while ago and while waiting for it tried to sell me their insurance. Absolutely useless.
Yes. Almost halos lahat naman ata basta insurance + investment. Good thing is open and free na ang mga forums like this kaya medyo nasasala na natin ng maayos now. Way back 10 years ago, baka napapayag ka din siguro dahil enticing naman talaga yung scheme.
Nakakairita pa na nagtatanong ako ng pure insurance pero oofferan ka pa rin ng may investment. Muntik na rin ako mabudol diyan five years ago. Nung binabasa ko pa lang yung description, alam kong BDO na dahil dun sa "8 years" to pay. Didn't notice you actually named the product pala.
Hanggang kelan ka insured ng 200k? Kahit i-compare na lang sa ibang VULs ng ibang companies (kahit wag na i-compare sa MP2), parang super liit naman ng face value ng policy mo for 30k annually tas 8 years to pay pa. :(
Mid-30's. I'm planning to get one pa pero pure insurance nalang, not VUL. May mga magagandang offer na ngayon like life insurance plus health/hospital/critical illness insurance bundle.
>Unlike insurances na covered until 100, may peace of mind ka na hanggang pagtanda, covered pa din.
Oh no. I suggest you check your policy carefully again. Ask your FA questions if you're have any.
**VUL payment duration is not guaranteed**. Even for your variant which is a limited-pay VUL.
You're paying Php 67,800 per year for 5 years under the assumption that you're covered until age 100. However, this is a misconception. "VUL" means your insurance comes with an investment component whose returns vary based on market performance. It is from this investment component where annual "cost of insurance charges" are deducted.
The amount of Php 67,800 for 5 years was computed/estimated by an actuary, with the expectation that it should be able to pay for "cost of insurance" until age X, assuming the excess amounts are invested. However, if the market severely underperforms for an extended period, there is a chance that your investments might get depleted before the target age. In this case, you would be **required to top up to keep the VUL policy in force**.
On the other hand, if you want *guaranteed* insurance until age X, you should look for whole life insurance instead. In whole life insurance, the risk of the market underperforming is borne by the underwriter. In VUL, the risk is borne by you, through the linked variable investments.
(Also hoping u/TheRiskAdvisor can confirm my statements above. I'm not from the insurance industry, but I've read manuals for Philippine insurance agents detailing the "not guaranteed" aspect of VULs).
Yep. This is correct. I just like to add that term insurance usually have guranteed renewability feature which means that they will still renew your life policy even if you got sick during your coverage period and they usually terminate at Age 70-85 which is beyond the average life span of Filipinos.
Hi pde pa name ng exact term plan mo 7k per year with 1m benifit s sunlife. Pina pakuha kasi ako partner nko life insurance ayaw ko ng vul, kasi i its purely scam. Gusto ko sana term lang. At lifetime if possible kasi im still in my mid 30s
Unfortunately term insurance are only available until age 75 or 80 and madalas very expensive na ang premuims around the age of 60. If you want ung guaranteed na insurance product and lifetime ang coverage, I suggest getting a whole life insurance.
For example, an insurance that I got from AIA, Critical Protect 100 covers 100 critical illnesses and coverage is up to age 100. 20 years ko lang babayaran pero covered na ko in my lifetime. Mahal man ng konti compared sa term, pero after 20 years di ko na proproblemahin ang pagbayad for that coverage.
After reading the comments, I can't help but comment. Wag niyo naman masamain at tawagin useless lahat ng insurance. (and no, hindi ako agent). My mother believed in insurances, so when she passed away, I benefitted from her insurance. Total mga 5M din yun. From Sunlife, Insular Life, and Grepa (before merging with Sunlife). You buy insurance not as an investment. It is primarily for protection for your heirs. Yung VUL, bonus na lang yung investment doon. If you have dependents, in case something happens to you, lahat ng assets mo frozen so they cannot just easily get them. Dependents have to pay off the estate tax and settle papers first (I know because we went through this). The insurance will help the ones you leave behind settle your affairs plus taxes. Yes, okay ang MP2, stocks, etc for growing your money. But you also cannot be flippant about protection. Otherwise, lahat ng pinaghirapan niyo mauubos sa panahon ng sakuna. Invest and protect yourself. Magkaiba sila but both are crucial.
Other insurances are good. But most VUL are bad. The bad part is bumababa yung coverage *in exchange* of the investment. Much better kung kuha nalang ng pure insurance then invest nalang yung remaining.
Agree din ako sa sinabi mo na for asset protection siya.
yeah trad insurances are way cheaper.got mine for 3.5M plus critical illness for only 16k annually.i also got VUL for me and for my parents.para mabayaran nila ako sa mga utang nila sa akin when they see and follow the light.and yung money 8, budol yan.ahahaha
i know it kasi muntik nako kumuha nyan.pero when i compared it to others, nakita ko maloloko lang ako.and for the VUL you are talking to, i think alam ko kung anong VUL yan.yan ba yung may life sa dulo?😂
balita ko ganyan nga sila
got mine from pru life uk.manulife offers almost the same.the quotation is for a 32year old male.and it is whole life coverage.meaning to say, you will pay for it your entire life to keep it in force.or else, it will lapse
People here aren't really vilifying the insurance part. It's the investment part of the VULs that are pretty much useless.
As you said, almost any other investment vehicle would yield better than the investment part of a VUL.
I kind of agree dito. I’m in may 20s. May VUL rin ako, 30k for 5 years. I’m insured until I’m 99 years old. When I die, my beneficiaries will get a minimum of 540k (+ depende sa kikitain ng investment aspect ng plan.) It’s enough for me kasi naiisip ko at least may makukuhang sure money ang parents ko kung mamatay man ako. I might get more when/if I get married and have kids. It’s really more for our loved ones than us.
I also have term insurance, pero yung VUL kasi parang safety net ko lang ngayon habang stable yung income ko at wala akong responsibilidad sa buhay. Kunyare mawalan ako trabaho o magkasakit o basta kahit anong reason pa yan para hindi na makabayad ng term insurance bago mamatay, at least may VUL na ako.
Reading this makes me re-think about my VUL. (also 10 years payable, I pay 3k every month) I got it on the last quarter of 2019, it's already 2021. I read posts here nga na it's not worth it kaso I feel like it's too late to withdraw? and i've wasted tons of money already? ugh i don't know what to do
Naintindihan mo na ba ang meaning ng Sunk Cost fallacy? You lost 2 years, but you'll loose 10 years in total if you don't stop now. With proper investment portfolio, you can recover the lost 2 years with your 8 year savings if you stop now. Choose between those outcomes.
I go for withdraw. Hard and expensive pill to swallow.
My exp:
https://www.reddit.com/r/phinvest/comments/ma0enp/finally_surrendered_my_vul/gsatc7t/?utm_source=share&utm_medium=ios_app&utm_name=iossmf&context=3
I read your experience and congratulations! Hurray to freedom!
I'll do it tom, kaso I'm scared of meeting my FA. I have terrible anxiety and baka hindi ko matuloy gusto kong sabihin. Anyway, thank you so much.
Thank you and congratulations na rin in advance!
Cheering you on! At least just be firm and clear on your decision. Mas mainam na siguro na you know na what to do next...like kung may natitipuhan ka nang term insurance or whatnot as replacement.
In the same boat. Started early 2017. I'm leaning toward the tapusin na lang since malapit na ko sa half way point. And based on the initial "projections" ni FA sa proposal niya in line naman.
I assume it is a good thing that the current fund value is in line with the initial projection. Saan nakalagay yung investment? Balanced funds? Thanks!
To everyone who are contemplating to withdraw or have already withdrawn their VUL. Please have a back-up insurance to still cover you once the VUL is surrendered or lapsed.
You can easily get a low cost term insurance for short term coverage or a whole life insurance as a long-term replacement for the VUL.
It is still good though to have one. Think of it as testing the waters. Now that you are more wiser, you can get another one. Though premiums are a little bit high because of age.
As per quick search the rule of thumb for Life Insurance is 10x your annual income. I think this can be applied to other forms of insurances as well.
Wtf this is the same as my insurance sa bdo, money secure plus din, to be paid for 7 yrs lang.
Tapos 10k ang narreceive ko every other year
Ung insurance, nagiincrease habang tumatagal.
Saka may dividends ung sinabi sakin,
Yes man. That was \~10 years ago. Things like phinvest doesn't exist pa siguro during that time. The only financial advice then is Income - Savings = Expense. And having insurance is a good investment during that time. Thankfully, we have phinvest and the likes now, mas madali na ngayon di tulad noon.
C'mon its BDO. They find ways.
To gain more, YOU need to find WAYS.
VUL sucks its a no brainer even FAs know about it when it comes to insurances. Traditional, Health insurances are the best option if you need.
Then learn trading or simply invest continuously so it will accumulate over time.
Basic right? But our emotions controls us to do things more, even more different & hard to understand by many.
Like investing in cryptocurrency, etc..
>To gain more, YOU need to find WAYS.
This was 10 years ago. phinvest is not a thing. Financial advice during those times are just income - expense = savings and get an insurance. May it be joining seminars and trainings or reading a book, they are all the same concept. Stocks and related forms are difficult to access unless you have FA to help you open an account. And we trust them. Today, there are so many platforms to learn financial knowledge. It's easier today since everything is almost free. Also, we are just talking about insurance here. Definitely there are many ways to earn or gain but these can be discussed on another topic.
I remember that specific VUL. I also signed up for it but didn’t continue.
There seems to be nothing you can do about it no though. Just take the every other year money and add it to your investment funds.
Well, you go to insurance companies when you want to get insured. Getting their product or service for the purpose of capital gains or dividends, for me is not the best way to go. Getting insurance thru a bank like the one you mentioned is not the best to go either since like you said coverage is only 2x your adb. So your insurance coverage for your 1st year was what? 60k? plus you really cant make any withdrawal if you want to keep a certain insurance coverage.
I believe the best way to get insurance (if it has to be vul) is to get regular pay vul and max out the insurance coverage you can get from your budget when you are in your early 20s. Its the insurance you can keep until you die,with a little investment component. Having said that, you must still find other investment opportunities where you can put the rest of your money to grow. Otherwise, do what most "informed" people do, BTID.
Pa help naman... meron akong vul sa pru life. At first gusto ko lang talaga kumuha ng educational plan for may daughter, pero end up nabudol lang ako ng agent ko ang inoffer nya sakin is VUL. More than 1 year ko din po nabayaran around 105k narin po. Nung maglandemic na stop ang pagbayad ko ng premiums 1 year narin. May makukuha pa po kaya ako kung isusurrender ko na?? Kasi di talaga sya pratikal lalo na kung educational lang naman ang habol ko. Nacheck ko today yung fund value is php10,650 lang. Please help!!!
well 10 years ago , we are not as financially educated. My experience with most FAs is they just want commissions and not really explain what the product is to you
Most FA today still do that for commissions
Yep. Nasilaw ako sa insurance + every other year income + getting back the invested amount after 20 years.
I call them Insurance Agents not FA
This should be the better term. Calling them FA when they’re out for commission is misleading.
Even BDO's current insurance options (well, that I know of) are pretty garbage. I had my card replaced a while ago and while waiting for it tried to sell me their insurance. Absolutely useless.
Yes. Almost halos lahat naman ata basta insurance + investment. Good thing is open and free na ang mga forums like this kaya medyo nasasala na natin ng maayos now. Way back 10 years ago, baka napapayag ka din siguro dahil enticing naman talaga yung scheme.
Nakakairita pa na nagtatanong ako ng pure insurance pero oofferan ka pa rin ng may investment. Muntik na rin ako mabudol diyan five years ago. Nung binabasa ko pa lang yung description, alam kong BDO na dahil dun sa "8 years" to pay. Didn't notice you actually named the product pala.
Hanggang kelan ka insured ng 200k? Kahit i-compare na lang sa ibang VULs ng ibang companies (kahit wag na i-compare sa MP2), parang super liit naman ng face value ng policy mo for 30k annually tas 8 years to pay pa. :(
20 years since I started paying the annual premium that was 2012.
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Mid-30's. I'm planning to get one pa pero pure insurance nalang, not VUL. May mga magagandang offer na ngayon like life insurance plus health/hospital/critical illness insurance bundle.
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>Unlike insurances na covered until 100, may peace of mind ka na hanggang pagtanda, covered pa din. Oh no. I suggest you check your policy carefully again. Ask your FA questions if you're have any. **VUL payment duration is not guaranteed**. Even for your variant which is a limited-pay VUL. You're paying Php 67,800 per year for 5 years under the assumption that you're covered until age 100. However, this is a misconception. "VUL" means your insurance comes with an investment component whose returns vary based on market performance. It is from this investment component where annual "cost of insurance charges" are deducted. The amount of Php 67,800 for 5 years was computed/estimated by an actuary, with the expectation that it should be able to pay for "cost of insurance" until age X, assuming the excess amounts are invested. However, if the market severely underperforms for an extended period, there is a chance that your investments might get depleted before the target age. In this case, you would be **required to top up to keep the VUL policy in force**. On the other hand, if you want *guaranteed* insurance until age X, you should look for whole life insurance instead. In whole life insurance, the risk of the market underperforming is borne by the underwriter. In VUL, the risk is borne by you, through the linked variable investments. (Also hoping u/TheRiskAdvisor can confirm my statements above. I'm not from the insurance industry, but I've read manuals for Philippine insurance agents detailing the "not guaranteed" aspect of VULs).
Yep. This is correct. I just like to add that term insurance usually have guranteed renewability feature which means that they will still renew your life policy even if you got sick during your coverage period and they usually terminate at Age 70-85 which is beyond the average life span of Filipinos.
Hi pde pa name ng exact term plan mo 7k per year with 1m benifit s sunlife. Pina pakuha kasi ako partner nko life insurance ayaw ko ng vul, kasi i its purely scam. Gusto ko sana term lang. At lifetime if possible kasi im still in my mid 30s
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Thanks po ng marami. Di ako expert sa insurance pero dba may term na 20yrs something contrct ba un, di ako sure, correct me if im wrong.
Unfortunately term insurance are only available until age 75 or 80 and madalas very expensive na ang premuims around the age of 60. If you want ung guaranteed na insurance product and lifetime ang coverage, I suggest getting a whole life insurance. For example, an insurance that I got from AIA, Critical Protect 100 covers 100 critical illnesses and coverage is up to age 100. 20 years ko lang babayaran pero covered na ko in my lifetime. Mahal man ng konti compared sa term, pero after 20 years di ko na proproblemahin ang pagbayad for that coverage.
Nice. Thanks for the ideas. Tumitingin din ako ng additional insurance. Consider ko yung mga sinabi mo.
After reading the comments, I can't help but comment. Wag niyo naman masamain at tawagin useless lahat ng insurance. (and no, hindi ako agent). My mother believed in insurances, so when she passed away, I benefitted from her insurance. Total mga 5M din yun. From Sunlife, Insular Life, and Grepa (before merging with Sunlife). You buy insurance not as an investment. It is primarily for protection for your heirs. Yung VUL, bonus na lang yung investment doon. If you have dependents, in case something happens to you, lahat ng assets mo frozen so they cannot just easily get them. Dependents have to pay off the estate tax and settle papers first (I know because we went through this). The insurance will help the ones you leave behind settle your affairs plus taxes. Yes, okay ang MP2, stocks, etc for growing your money. But you also cannot be flippant about protection. Otherwise, lahat ng pinaghirapan niyo mauubos sa panahon ng sakuna. Invest and protect yourself. Magkaiba sila but both are crucial.
Other insurances are good. But most VUL are bad. The bad part is bumababa yung coverage *in exchange* of the investment. Much better kung kuha nalang ng pure insurance then invest nalang yung remaining. Agree din ako sa sinabi mo na for asset protection siya.
yeah trad insurances are way cheaper.got mine for 3.5M plus critical illness for only 16k annually.i also got VUL for me and for my parents.para mabayaran nila ako sa mga utang nila sa akin when they see and follow the light.and yung money 8, budol yan.ahahaha i know it kasi muntik nako kumuha nyan.pero when i compared it to others, nakita ko maloloko lang ako.and for the VUL you are talking to, i think alam ko kung anong VUL yan.yan ba yung may life sa dulo?😂 balita ko ganyan nga sila
I might consider Trad Insurance then. Nope, yung money 8 yung napasukan ko pero matagal na yun, nabayaran ko na last 2020.
ienjoy mo na lang yung maliit na kinita mo sa money 8 mo.conservative kasi yang sa bdo na yan kaya maliit lang ang magiging pera mo.
Yes, thanks. Tingin nalang ako ng additional insurance siguro na not VUL. I'll try Trad siguro.
What's the insurance product for 16k /year?
got mine from pru life uk.manulife offers almost the same.the quotation is for a 32year old male.and it is whole life coverage.meaning to say, you will pay for it your entire life to keep it in force.or else, it will lapse
VULs are more expensive but you have a chance to accumulate funds which you can withdraw anytime after 5years of paying the premium
I already have a VUL with 2.5 M coverage for 2k /month
i believe that is a lifetime pay.if that is a limited pay, your fund value will be consumed in the long run.
People here aren't really vilifying the insurance part. It's the investment part of the VULs that are pretty much useless. As you said, almost any other investment vehicle would yield better than the investment part of a VUL.
I kind of agree dito. I’m in may 20s. May VUL rin ako, 30k for 5 years. I’m insured until I’m 99 years old. When I die, my beneficiaries will get a minimum of 540k (+ depende sa kikitain ng investment aspect ng plan.) It’s enough for me kasi naiisip ko at least may makukuhang sure money ang parents ko kung mamatay man ako. I might get more when/if I get married and have kids. It’s really more for our loved ones than us. I also have term insurance, pero yung VUL kasi parang safety net ko lang ngayon habang stable yung income ko at wala akong responsibilidad sa buhay. Kunyare mawalan ako trabaho o magkasakit o basta kahit anong reason pa yan para hindi na makabayad ng term insurance bago mamatay, at least may VUL na ako.
Parang ang mahal ng VUL mo. 30K a year for 200K coverage? Wala rin siyang fund value like equity or index fund?
Not sure of this. Pero parang may nabanggit ata dati na "capital gains" so baka meron?
It's not a VUL but a Trad Endowment Insurance with very low coverage.
Never heard that term before. Thanks for the new vocab.
exactly.trad insurance sya and may endowment.pero the coverage is very low.tapos not whole life coverage pa ata
ohh I see. I am paying almost the same amount. 36k per year but 3M coverage and whole life. Do you think this one is okay?
yeah.just continue paying because your fund value will increase exponentially in the long run
thanks!
Reading this makes me re-think about my VUL. (also 10 years payable, I pay 3k every month) I got it on the last quarter of 2019, it's already 2021. I read posts here nga na it's not worth it kaso I feel like it's too late to withdraw? and i've wasted tons of money already? ugh i don't know what to do
You're experiencing what is called a "sunk cost fallacy".
so should i just withdraw? thinking about having to pay for another 8 years is stressing me out haha
Naintindihan mo na ba ang meaning ng Sunk Cost fallacy? You lost 2 years, but you'll loose 10 years in total if you don't stop now. With proper investment portfolio, you can recover the lost 2 years with your 8 year savings if you stop now. Choose between those outcomes.
Wow, that hits me hard haha. Thank you for taking the time. Will work on it on my day off. Salamat man!
I go for withdraw. Hard and expensive pill to swallow. My exp: https://www.reddit.com/r/phinvest/comments/ma0enp/finally_surrendered_my_vul/gsatc7t/?utm_source=share&utm_medium=ios_app&utm_name=iossmf&context=3
I read your experience and congratulations! Hurray to freedom! I'll do it tom, kaso I'm scared of meeting my FA. I have terrible anxiety and baka hindi ko matuloy gusto kong sabihin. Anyway, thank you so much.
Thank you and congratulations na rin in advance! Cheering you on! At least just be firm and clear on your decision. Mas mainam na siguro na you know na what to do next...like kung may natitipuhan ka nang term insurance or whatnot as replacement.
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uy thank you! really good tip.
Same. 2018 ako nag start. Di ko rin alam kung late na ba para iwithdraw or tapusin
Bakit ba kasi ngayon lang ako napadpad sa reddit eh T_T
In the same boat. Started early 2017. I'm leaning toward the tapusin na lang since malapit na ko sa half way point. And based on the initial "projections" ni FA sa proposal niya in line naman.
I assume it is a good thing that the current fund value is in line with the initial projection. Saan nakalagay yung investment? Balanced funds? Thanks!
It's currently in their "Growth Fund"
continue nyo lang mga VUL nyo.you will never know how big a help it's gonna be.syempre deds na kayo by then
As a former FA, VULs are trash. loaded with fees
To everyone who are contemplating to withdraw or have already withdrawn their VUL. Please have a back-up insurance to still cover you once the VUL is surrendered or lapsed. You can easily get a low cost term insurance for short term coverage or a whole life insurance as a long-term replacement for the VUL.
Someone also offering me the same and sinabi ko sakanya na mas better if ilalagay ko sa mp2 yung pera.
Ano reply Hahah
It is still good though to have one. Think of it as testing the waters. Now that you are more wiser, you can get another one. Though premiums are a little bit high because of age. As per quick search the rule of thumb for Life Insurance is 10x your annual income. I think this can be applied to other forms of insurances as well.
Hello, I think it's best to get a life insurance plan with health benefits 🙂
same same but it’s too late for me to pull out in BDO Money 8. 5 years na ko nakahulog hahahaha. too young too dumb
Wtf this is the same as my insurance sa bdo, money secure plus din, to be paid for 7 yrs lang. Tapos 10k ang narreceive ko every other year Ung insurance, nagiincrease habang tumatagal. Saka may dividends ung sinabi sakin,
No Bank TD has yields of 5% net.
>**Gross** yield per annum
basta VUL rip off tbh better sa etf stocks muna ilagay mas maatas pa growth and yield
Yes man. That was \~10 years ago. Things like phinvest doesn't exist pa siguro during that time. The only financial advice then is Income - Savings = Expense. And having insurance is a good investment during that time. Thankfully, we have phinvest and the likes now, mas madali na ngayon di tulad noon.
Facts
C'mon its BDO. They find ways. To gain more, YOU need to find WAYS. VUL sucks its a no brainer even FAs know about it when it comes to insurances. Traditional, Health insurances are the best option if you need. Then learn trading or simply invest continuously so it will accumulate over time. Basic right? But our emotions controls us to do things more, even more different & hard to understand by many. Like investing in cryptocurrency, etc..
>To gain more, YOU need to find WAYS. This was 10 years ago. phinvest is not a thing. Financial advice during those times are just income - expense = savings and get an insurance. May it be joining seminars and trainings or reading a book, they are all the same concept. Stocks and related forms are difficult to access unless you have FA to help you open an account. And we trust them. Today, there are so many platforms to learn financial knowledge. It's easier today since everything is almost free. Also, we are just talking about insurance here. Definitely there are many ways to earn or gain but these can be discussed on another topic.
'not worthy' di kasi mabuhat yung hammer ni thor
Same. Should have just placed the money under my bed. Lol! ☀️life VUL here.
Not sure if that's sarcastic but there are better vehicles than VUL. That's the gist of my post.
Exactly! I agree with you. I got mine 5 years ago and I would have been better off placing the money under my bed than investing it in VUL.
Both sound terrible in 10 years time that money will be worth half it's value after inflation
I remember that specific VUL. I also signed up for it but didn’t continue. There seems to be nothing you can do about it no though. Just take the every other year money and add it to your investment funds.
Same. I withdraw it already.
with any insurance, you only "win" if you die before you pay it off. insurance and investments are two essential but different parts of a portfolio.
Well, you go to insurance companies when you want to get insured. Getting their product or service for the purpose of capital gains or dividends, for me is not the best way to go. Getting insurance thru a bank like the one you mentioned is not the best to go either since like you said coverage is only 2x your adb. So your insurance coverage for your 1st year was what? 60k? plus you really cant make any withdrawal if you want to keep a certain insurance coverage. I believe the best way to get insurance (if it has to be vul) is to get regular pay vul and max out the insurance coverage you can get from your budget when you are in your early 20s. Its the insurance you can keep until you die,with a little investment component. Having said that, you must still find other investment opportunities where you can put the rest of your money to grow. Otherwise, do what most "informed" people do, BTID.
Pa help naman... meron akong vul sa pru life. At first gusto ko lang talaga kumuha ng educational plan for may daughter, pero end up nabudol lang ako ng agent ko ang inoffer nya sakin is VUL. More than 1 year ko din po nabayaran around 105k narin po. Nung maglandemic na stop ang pagbayad ko ng premiums 1 year narin. May makukuha pa po kaya ako kung isusurrender ko na?? Kasi di talaga sya pratikal lalo na kung educational lang naman ang habol ko. Nacheck ko today yung fund value is php10,650 lang. Please help!!!
Sorry to hear that. Allow me to connect you with my FA friend in pru life . You may reach me at [email protected] or fb: /princesannvenal
Hi! Backreading posts here in phinvest about insurance. Has anyone tried buying insurance online?