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𝑾𝒉𝒚 𝒊𝒔 𝒊𝒕 “𝒏𝒐𝒕 𝒐𝒌𝒂𝒚” 𝒕𝒐 𝑫𝑬𝑳𝑨𝒀 𝒚𝒐𝒖𝒓 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆?

1. 𝑰𝒕 𝒈𝒆𝒕𝒔 𝒎𝒐𝒓𝒆 𝒆𝒙𝒑𝒆𝒏𝒔𝒊𝒗𝒆
The older we get, mas risky na tayo as an individual para iinsure ng insurance companies. Kaya mas mahal na talaga ang mga insurance premiums.
𝘗𝘢𝘳𝘢𝘯𝘨 𝘴𝘢 𝘬𝘰𝘵𝘴𝘦 𝘭𝘢𝘯𝘨 𝘥𝘪𝘯, 𝘬𝘢𝘱𝘢𝘨 𝘮𝘢𝘴 𝘭𝘶𝘮𝘢 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘤𝘢𝘳, 𝘮𝘢𝘴 𝘮𝘢𝘭𝘪𝘪𝘵 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴 𝘯𝘢 𝘱𝘦𝘥𝘦 𝘮𝘰 𝘮𝘢𝘬𝘶𝘩𝘢 𝘴𝘢 𝘤𝘢𝘳 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘮𝘰. 𝘚𝘰 𝘬𝘶𝘯𝘨 𝘨𝘶𝘴𝘵𝘰 𝘮𝘰 𝘮𝘢𝘬𝘢𝘵𝘪𝘱𝘪𝘥, 𝘨𝘦𝘵 𝘪𝘵 𝘢𝘴 𝘦𝘢𝘳𝘭𝘺 𝘢𝘴 𝘯𝘰𝘸.

2. 𝒀𝒐𝒖 𝒘𝒊𝒍𝒍 𝒉𝒂𝒗𝒆 𝒂 𝒍𝒆𝒔𝒔𝒆𝒓 𝒄𝒉𝒂𝒏𝒄𝒆 𝒐𝒇 𝒂𝒑𝒑𝒓𝒐𝒗𝒂𝒍.
Of course the insurance company wants to make sure na healthy yung mga iinsure nila since they are giving millions.
As we age, parang makina din ang health natin, may "depreciation".
Kaya most likely kapag mas matatanda na and then may pre existing illness na like hypertension, diabetes, thyroid prob, fatty liver, etc....nagrerequire na ng medical examinations and all.
𝘞𝘦 𝘢𝘳𝘦 𝘣𝘶𝘺𝘪𝘯𝘨 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘸𝘪𝘵𝘩 𝘩𝘦𝘢𝘭𝘵𝘩, 𝘯𝘰𝘵 𝘸𝘪𝘵𝘩 𝘮𝘰𝘯𝘦𝘺. 𝘒𝘢𝘩𝘪𝘵 𝘨𝘢𝘢𝘯𝘰 𝘱𝘢 𝘬𝘢𝘭𝘢𝘬𝘪 𝘺𝘶𝘯𝘨 𝘬𝘢𝘺𝘢 𝘮𝘰 𝘪𝘣𝘪𝘨𝘢𝘺 𝘱𝘢𝘳𝘢 𝘭𝘢𝘯𝘨 𝘮𝘢𝘪𝘯𝘴𝘶𝘳𝘦 𝘬𝘢, 𝘪𝘧 𝘩𝘪𝘯𝘥𝘪 𝘬𝘢 𝘯𝘢 𝘩𝘦𝘢𝘭𝘵𝘩𝘺, 𝘩𝘪𝘯𝘥𝘪 𝘯𝘢 𝘵𝘢𝘭𝘢𝘨𝘢 𝘱𝘰𝘴𝘴𝘪𝘣𝘭𝘦 𝘮𝘢𝘬𝘢𝘬𝘶𝘩𝘢 𝘱𝘢.

3. 𝑾𝒆 𝒎𝒊𝒈𝒉𝒕 𝒏𝒆𝒗𝒆𝒓 𝒈𝒆𝒕 𝒂 𝒄𝒉𝒂𝒏𝒄𝒆.

We prepare for 2 things in life:

1. Predictable events- Pagcocollege ng anak natin, pagbili natin ng bahay, retirement, etc.

2. Unpredictable things- Sickness, accident, death, and disability.
LIFE IS UNPREDICTABLE.
Everyday, madaming pwede mangyari — accident, disability, illness and even death. Hindi natin alam kung kailan to mangyayari sa atin.

Hopefully, kapag dumating man ito, ready tayo - financially.

𝘗𝘢𝘳𝘢𝘯𝘨 𝘧𝘪𝘳𝘦 𝘦𝘹𝘵𝘪𝘯𝘨𝘶𝘪𝘴𝘩𝘦𝘳 𝘭𝘢𝘯𝘨. 𝘕𝘢𝘨𝘭𝘢𝘭𝘢𝘨𝘢𝘺 𝘵𝘢𝘺𝘰 𝘯𝘦𝘵𝘰 𝘴𝘢 𝘩𝘰𝘶𝘴𝘦 𝘱𝘢𝘳𝘢 𝘪𝘧 𝘦𝘷𝘦𝘳 𝘮𝘢𝘨𝘬𝘢𝘴𝘶𝘯𝘰𝘨, 𝘮𝘦𝘳𝘰𝘯 𝘵𝘢𝘺𝘰 𝘮𝘢𝘨𝘢𝘨𝘢𝘮𝘪𝘵. 𝘏𝘪𝘯𝘥𝘪 𝘯𝘢𝘮𝘢𝘯 𝘵𝘢𝘺𝘰 𝘣𝘪𝘣𝘪𝘭𝘪 𝘯𝘨 𝘧𝘪𝘳𝘦 𝘦𝘹𝘵𝘪𝘯𝘨𝘶𝘪𝘴𝘩𝘦𝘳 𝘩𝘢𝘣𝘢𝘯𝘨 𝘯𝘢𝘴𝘶𝘴𝘶𝘯𝘰𝘨 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘣𝘢𝘩𝘢𝘺 𝘥𝘪𝘣𝘢?

I hope before 2023 ends, insured ka na 🙂
Message ka lang. 😊🤍

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𝗣𝗿𝗲-𝗡𝗲𝗲𝗱 𝗣𝗹𝗮𝗻𝘀 (𝗹𝗶𝗸𝗲 𝗖𝗔𝗣) 𝗩𝘀. 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲

“𝘕𝘢𝘬𝘶, 𝘮𝘢𝘩𝘪𝘳𝘢𝘱 𝘺𝘢𝘯𝘨 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦, 𝘣𝘢𝘬𝘢 𝘮𝘢𝘮𝘢𝘺𝘢 𝘮𝘢𝘵𝘶𝘭𝘢𝘥 𝘴𝘢 𝘊𝘈𝘗, 𝘴𝘢𝘺𝘢𝘯𝘨 𝘭𝘢𝘯𝘨 𝘢𝘯𝘨 𝘱𝘦𝘳𝘢 𝘮𝘰.”

Isa sa pinakamatingkad na dahilan kung bakit maraming Pilipino ang ayaw sa life insurance ay dahil sa nangyari sa CAP at ibang pre-need companies pagkatapos ng Asian Financial Crisis nung 2008.

Hindi ko sila masisisi.

✔️ Maraming tumaob.
✔️ Maraming nagsara.

Sa totoo nga, sa mahigit 200 na pre-need companies na meron noon, 20 na lang ang in-operation pa rin hanggang ngayon.

Kung ang dahilan kung bakit ka walang life insurance ay dahil takot kang masayang ang pera mo at mauwi sa wala ang investment mo, lilinawin ko lang ulit, 𝗺𝗮𝗴𝗸𝗮𝗶𝗯𝗮 𝗮𝗻𝗴 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝘆 𝘀𝗮 𝗽𝗿𝗲-𝗻𝗲𝗲𝗱 𝗰𝗼𝗺𝗽𝗮𝗻𝘆. 𝗛𝗶𝗻𝗱𝗶 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗴 𝗽𝗿𝗲-𝗻𝗲𝗲𝗱 𝗽𝗹𝗮𝗻.

𝗪𝗔𝗟𝗔 𝗞𝗔𝗛𝗜𝗧 𝗜𝗦𝗔𝗡𝗚 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬 𝘀𝗮 𝗣𝗶𝗹𝗶𝗽𝗶𝗻𝗮𝘀 𝗮𝗻𝗴 𝗻𝗮𝗴𝘀𝗮𝗿𝗮, 𝘁𝘂𝗺𝗮𝗼𝗯 𝗼𝗿 𝗻𝗮-𝗯𝗮𝗻𝗸𝗿𝘂𝗽𝘁. 𝗠𝗮𝘀 𝗺𝗮𝗿𝗮𝗺𝗶 𝗽𝗮𝗻𝗴 𝗯𝗮𝗻𝗴𝗸𝗼 𝗮𝗻𝗴 𝗻𝗮𝗴𝘀𝗮𝗿𝗮 𝗻𝗮 𝗸𝗲𝘀𝗮 𝘀𝗮 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀.

Meron ngang mga Life Insurance companies na in operation na sa Pilipinas bago mag-1898. Ibig sabihin, mas matanda pa sila sa Republika ng Pilipinas at nasubok na ng rebolusyon, World War II, Martial Law at mga kudeta. Pero nandyan pa rin.

𝗔𝗴𝗮𝗶𝗻, 𝗪𝗮𝗹𝗮 𝗽𝗮 𝗽𝗼𝗻𝗴 𝗻𝗮𝗴𝘀𝗮𝘀𝗮𝗿𝗮𝗻𝗴 𝗹𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝘀𝗮 𝗣𝗶𝗹𝗶𝗽𝗶𝗻𝗮𝘀.
𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗺𝗶𝘀𝘀𝗶𝗼𝗻, 𝘁𝗵𝗲 𝗼𝗻𝗲 𝗴𝗼𝘃𝗲𝗿𝗻𝗶𝗻𝗴 𝗮𝗹𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀 𝗶𝗻 𝘁𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀, 𝗿𝗲𝗾𝘂𝗶𝗿𝗲𝘀 a certain 𝗮𝗺𝗼𝘂𝗻𝘁 𝗼𝗳 𝗺𝗼𝗻𝗲𝘆 (𝗳𝗿𝗼𝗺 𝗮𝗹𝗹 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀) 𝗮𝘀 𝗿𝗲𝘀𝗲𝗿𝘃𝗲 𝗳𝘂𝗻𝗱. 𝗧𝗵𝗶𝘀 𝗳𝘂𝗻𝗱 𝗶𝘀 𝘂𝘀𝗲𝗱 𝗶𝗻 𝗰𝗮𝘀𝗲 𝗼𝗳 𝗺𝗮𝘀𝘀𝗶𝘃𝗲 𝗱𝗲𝗮𝘁𝗵 𝗶𝗻 𝘁𝗵𝗲 𝗣𝗵𝗶𝗹𝗶𝗽𝗽𝗶𝗻𝗲𝘀.

May mandate din ang Insurance Company na kapag may tendencies na mabankrupt or malugi ang isang life insurance company, it needs to be acquired by a larger insurance company. Kaya walang nagsasarang insurance companies, panay acquisitions lang.

Magkaiba po ang Life Insurance sa Pre-need Plans. 🧡

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