Absolute Finance

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Hindi "marketing tactic" ung sinasabi ng insurance advisors that not everyone is insurable.

We usually take it for granted, iniisip natin "next time na, di pa priority" until it's too late.

Akala natin dahil bata pa tayo, maaapprove agad tayo when we apply so pinagpapaliban natin.

Don't wait until it's too late.

I'm only 26. I already have an existing policy with critical illness benefits, but I'm applying for a 2nd one kasi gusto kong dagdagan. But because of my diagnosed health condition, na I didn't think would have an effect on my insurability, may chance na di na ko makakuha ng additional policy.

I'm still hoping my 2nd application gets approved though. 🤞

But please, take it seriously when we say.. Apply for an insurance policy while you're still healthy. Para di na kayo mahassle to undergo full medical exam when you apply, and di kayo maging alanganin on getting approved. 🙏

My recommended amount of coverage for critical illness is 2 million pesos dapat. Maximum allowable is 10 million. Dahil seriously, mahal magka-critical illness sa Pilipinas.

Please, take it seriously. This is the reason why I joined this industry - when I was in the healthtech startup industry, kitang kita ko kasi yung effect of finances sa health outcomes of critical illness cases. A lot of people don't know na may critical illness insurance plans na pwedeng iavail aside from PhilHealth and HMO. Kasi honestly, kulang talaga pag yang dalawa lang.

Yung parents ko, I got them critical illness insurance policies when they were 49 years old. Kasi if ever something happens to them (wag naman sana), I do not want to feel helpless. I want to make sure to get the best care possible for them in case that happens (pero I always pray pa rin na wag sila, please). When I processed their application, hindi sila nirequire to undergo medical exam, approved agad ung policies nila! Tapos ako eto, required. 😅😓

This is my advocacy and I mean it when I say, get insured ASAP while you're healthy AND make sure you have ENOUGH CRITICAL ILLNESS BENEFITS. And make sure your immediate family members get protected too. 🙏

“Meron ba kayo yung parang HMO?" Get a health protection for as low as 70/day coverage until age 100! Message me to know more. 😊 ctto

This is the second policy I got from Sun Life that focuses more on my health protection and wellness. 💪👌

ALAM MO KUNG ANO MAS MASAKIT? 😢

Bilang isang financial advisor dito sa Pilipinas, hindi na ako natatakot sa rejection kasi natural na yon sa trabaho namin. Although masaya ako na kahit papano na-oopen na ang mindset ng mga kapwa nating Pinoy sa pagkuha ng life insurance, malaki pa rin ang kakulangan ng karamihan about financial literacy.

Kaya naman ang pinaka-kinakatakutan ko ay ang marinig mula sa clients ko ang mga katagang:
“SAYANG, SANA PALA....” kumuha ako.
“SAYANG, SANA PALA...” nag-invest ako.
“SAYANG, SANA PALA...” nakinig ako.
“SAYANG, SANA PALA...” binigyan kita ng chance kausapin ako.
“SAYANG, SANA PALA...” di ko pinigilan si mister na kumuha ng insurance.
“SAYANG, SANA PALA...” hindi kita inunfriend nung nangungulit ka.
“SAYANG, SANA PALA...” hindi kita sineen zone.
“SAYANG, SANA PALA...” di ko sinurrender yung plan ko.

Okay lang mareject, immune na ako don. Pero ang pinakamasakit ay marinig ang mga salitang ito dahil ibig sabihin non, ay hindi ko nagawa ang trabaho ko at naunahan na ako ng malubhang sakit, untimely death or aksidente. Kaya sa mga minamahal kong clients, please huwag po kayong magalit o mainis kapag nangungulit ako dahil ito ay para din sa inyo at sa pamilyang binubuhay niyo.

Nagmamahal niyong financial advisor,
James