Wapfika (OP)
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October 10, 2019, 10:42:10 AM |
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Financial Planning Pyramid. Ano ito?Makikita natin sa pyramid na pinaka basic na dapat meron ang isang tao is wealth protection. Ano ba ang wealth protection? bakit kailangan natin yan? Parang pundasyon ng bahay, hindi naman magiging matibay ang bahay kung nag start ka sa bubong agad kailangan muna ng matibay na pundasyon. "Hindi ko kailangan ng Life/Health Insurance,Hindi ako magkaka sakit, bata pa ako hindi ko kailangan ng critical illness benefit.Gusto ko sa Stock Market na or kung sa atin ay Cryptocurrencies (considered alternatives investment in the pyramid)" Ilan lang yan sa mga excuse ng karamihang Pinoy. Scenario Kung inuna ang wealth accumulation compare kay wealth protection. Nag invest sa crypto pero in time na need ng money na detect namay critical illness, that time the market is not in good condition, max out na ang hmo, kulang nadin ang philhealth. tendency nun withdraw mo yung investment mo kahit hindi pa naggain or worse is at loss pa. Pero kung meron ka sana wealth protection, may maclaclaim ka sa insurance company na kinuhanan mo ng policy dahil may coverage ka due to critical illness or accidents.
Kayo rin ba sumasang-ayon sa financial Planning Pyramid? I already have VUL (Life Insurance with Investment) since I find it important nung bumaba market last year and hindi nako masyado nakakapag trade. Im paying using Coins.ph Pay bills method. Now, Im just thinking if many crypto traders also invest or consider having Life Insurance? Sa mga meron na kelan kayo kumuha before o after you enter cryptocurrency investing?
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Bttzed03
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October 10, 2019, 11:00:06 AM |
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Before pa ako na-involve sa crypto, meron na ako nito. It's also an insurance at investment at the same time. If I'm not mistaken, sa stocks nila nilalaro pera.
I appreciate the post kasi malamang may mga unaware pa dito at alam ko may mga estudyante pa. Kung isa kang insurance agent din, maganda kung maging transparent ka.
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Wapfika (OP)
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October 10, 2019, 11:05:03 AM |
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Before pa ako na-involve sa crypto, meron na ako nito. It's also an insurance at investment at the same time. If I'm not mistaken, sa stocks nila nilalaro pera.
I appreciate the post kasi malamang may mga unaware pa dito at alam ko may mga estudyante pa. Kung isa kang insurance agent din, maganda kung maging transparent ka.
No Insurance companies should be mention. Discussion lang if naisip din ng ibang traders ang importance nito. Since I search no thread related pa ang nag-open ng topic and it's nice na meron din aware sa ganitong product or investment.
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Bttzed03
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October 10, 2019, 11:14:01 AM |
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^ I agree na hindi na kailangan mag-mention ng kumpanya kaya hindi ko na din binanggit sa akin but there's nothing wrong kung sabihin mong insurance agent ka. You can educate many here and who knows kung magustuhan nila at magpa-assist sa'yo in the future.
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blockman
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October 10, 2019, 11:19:22 AM |
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Nakita ko yang pyramid na yan mula sa iba't ibang financial advisor ng PRU Life at Sun Life ang hina-highlight nila ay yung proteksyon nga ang pinakamahalaga sa lahat. Kasi kapag nagkasakit ka at wala kang proteksyon, halos lahat ng source of income mo maliban sa mga passive income ay magagalaw. Ang hindi ko lang nagustuhan kasi parang dina-down na agad nila yung mga clients nila na kesyo magkakasakit at walang pang gastos o kaya biglang mamatay. Para sa akin, maganda ang may insurance pero hindi pa rin ako kukuha niyan, depende rin kasi sa agent na kausap mo, meron dyan yung gusto lang commission at kapag dating mo sa claim, wala na biglang lay low na. Yung sa financial education at pagpaparami ng source income maganda yun pero pagdating sa insurance, hindi muna talaga.
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dothebeats
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October 10, 2019, 11:23:10 AM |
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I’m a healthy individual and knowing na I hop from one country to another due to my job, I still got hold of insurance here in the Philippines just in case. Matagal tagal pa ang susunod na 5 years na pamamalagi ko rito bago ako magrelocate ulit at hindi naman sa lahat ng oras ay may pera akong makukuha kahit pa maganda naman ang trabaho ko na. Insurance is applicable hindi lang sa mga sasakyan at precious items. Kung nag-iinvest ang isang tao sa materyal na bagay at hindi naglalaan para sa sarili niya, in the long run eh talo siya sakaling may mangyaring hindi kaaya aya at hindi maganda sa kanya.
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Wapfika (OP)
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October 10, 2019, 11:55:16 AM |
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... Ang hindi ko lang nagustuhan kasi parang dina-down na agad nila yung mga clients nila na kesyo magkakasakit at walang pang gastos o kaya biglang mamatay. Para sa akin, maganda ang may insurance pero hindi pa rin ako kukuha niyan, depende rin kasi sa agent na kausap mo, meron dyan yung gusto lang commission at kapag dating mo sa claim, wala na biglang lay low na. Yung sa financial education at pagpaparami ng source income maganda yun pero pagdating sa insurance, hindi muna talaga.
There are agents na masyadong pushy na nakakainis na minsan, I suggest if may kamag-anak tayo or kakilala na nag-a agent mas better sa kanila kumuha since having a Financial Advisor is a Lifetime commitment kaya mainam if makakasundo yung agent, just check lang the company credibility and plan na kukunin. Don't close your door to the idea of having one padin po someday since merong mga living benefits din po ang insurance. I’m a healthy individual and knowing na I hop from one country to another due to my job, I still got hold of insurance here in the Philippines just in case. Matagal tagal pa ang susunod na 5 years na pamamalagi ko rito bago ako magrelocate ulit at hindi naman sa lahat ng oras ay may pera akong makukuha kahit pa maganda naman ang trabaho ko na. Insurance is applicable hindi lang sa mga sasakyan at precious items. Kung nag-iinvest ang isang tao sa materyal na bagay at hindi naglalaan para sa sarili niya, in the long run eh talo siya sakaling may mangyaring hindi kaaya aya at hindi maganda sa kanya.
Kahit na ayaw natin may mang yari we never know when the uncertainties will happen, besides hindi naman kailangan na kumuha ng mahal na premium yung kaya lng ng budget naten to secure ourselves from events na hindi inaasahan, it's like treat to ourselves kasi ibang bagay nga naiinsured natin.
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Coin_trader
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October 10, 2019, 12:32:06 PM |
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Kung isa kang insurance agent din, maganda kung maging transparent ka.
Bro wala nmn akong nakikitang reason para banggitin pa nya kung insurance agent sya o hindi since hindi sya nagrerecruit sa post nya. Ang pagkakaintindi ko lng ay nagbibigay lng sya ng pointers sa kahalagahan ng insurance which is good na topic para sa mga crypto user here na kagaya ko na walang insurance dahil focus lng ako sa trading at sa marketing ng project na sinalihan ko. Although being transparent is a good point. Siguro nasanay lng tayo sa mga makukulit na insurance agent sa facebook. Hehehe No Insurance companies should be mention. Discussion lang if naisip din ng ibang traders ang importance nito. Since I search no thread related pa ang nag-open ng topic and it's nice na meron din aware sa ganitong product or investment.
Honestly speaking insurance agent kb? Kasi wala nmng masama kung agent ka kc atleast alam nmen na madami kang alam sa ganitong bagay. ![Grin](https://bitcointalk.org/Smileys/default/grin.gif)
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blockman
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October 10, 2019, 12:52:51 PM |
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... Ang hindi ko lang nagustuhan kasi parang dina-down na agad nila yung mga clients nila na kesyo magkakasakit at walang pang gastos o kaya biglang mamatay. Para sa akin, maganda ang may insurance pero hindi pa rin ako kukuha niyan, depende rin kasi sa agent na kausap mo, meron dyan yung gusto lang commission at kapag dating mo sa claim, wala na biglang lay low na. Yung sa financial education at pagpaparami ng source income maganda yun pero pagdating sa insurance, hindi muna talaga.
There are agents na masyadong pushy na nakakainis na minsan, I suggest if may kamag-anak tayo or kakilala na nag-a agent mas better sa kanila kumuha since having a Financial Advisor is a Lifetime commitment kaya mainam if makakasundo yung agent, just check lang the company credibility and plan na kukunin. Don't close your door to the idea of having one padin po someday since merong mga living benefits din po ang insurance. Tama, lifetime commitment yan kaya habang nag iisip din ako kung kukuha ba talaga ako. May mga review akong nababasa na tungkol din sa pangit na serbisyo ng ibang agent. Mas maganda yung committed talaga as a financial advisor at mas kilala mo na din, hindi yung kung sino sino lang. Magaling din karamihan magsalita sa kanila at may mga pinagmamalaking mga top advisor of the month, mga ganun pero kapag tinanong ko na ng mga simpleng bagay tungkol sa product nila, namimili din ng customer kahit na interesado naman.
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finzyoj
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October 10, 2019, 01:24:49 PM |
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Wala pa akong insurance pero masubukan nga. Sa totoo lang parang naghihinayang kasi ako sa ganito kasi iniisip ko na ang pinapayaman ko lang ay ang insurance company kaya sa crypto and appliances/gadgets ko na lang iniinvest pera ko. Well, 'di na rin ako pabata. Kailangan ko na rin siguro talaga magkaroon ng insurance and kung papipiliin ako ay okay na yung isang health insurance at St. Peter Life Plan ![Grin](https://bitcointalk.org/Smileys/default/grin.gif) .
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Dabs
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October 10, 2019, 02:06:34 PM |
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Life insurance is only required if you have dependents. Kung meron mga tao na kailangan kang buhay kasi ikaw ang tatay o nanay, meron kang anak, ikaw ang meron trabaho at income.
If you are young ... and no one depends on you, then there is no need, unless you take care of someone else like your parents or another family member.
Ako, meron ako trabaho. Meron ako pamilya. Tatlo ang anak ko. Bata pa sila. Kung mamatay ako, paano na sila? Kaya, meron Life insurance.
Ang tip ko sa inyo, tingnan o kunin lang ang tinatawag na "Term Life". Ibig sabihin, fixed ito for 5, 10 or 20 years and pure life insurance sya, wala ibang kasali o kasama na riders or investment. It's purely insurance in case you die, meron makukuha ang pamilya mo.
Kung may bahay ka, dapat meron ka fire extinguisher, para meron kang something in case meron sunog.
The reason term lang, is, kung buhay ka pa in 20 years, by that time, college na o meron na trabaho mga anak mo, hindi na nila kailangan mag depend sayo. O dapat ganun. Pag namatay ka, mabubuhay sila, hindi sila kawawa. You could get a smaller policy or something para covered ang burol at libing mo.
For example, for about 4000 pesos annual premium, covered ka up to 4 million death benefit. Usually they start as low as 500k death benefit.
Basta "Term Life" is the cheapest, kasi walang ibang kasama. Walang investment. Walang premium return. You get what you pay for, you pay cheap. Hindi sayang kung hindi ka namatay at hindi mo nasulit. Gusto mo magka pera pamilya mo? Mamatay ka.
Gusto mo ikaw ang magka pera? Maghanap ka ng 4M. Or MMMM = Matandang Mayaman Madaling Mamatay.
Go for the bigger life insurance companies, the bigger ones like Sunlife, Manulife, BPI-Philamlife. BDO Life, PNB Life, BenLife, Caritas, Generali, Insular Life, Axa Life, Pru Life ... marami pag pipilian. Lahat ng big banks meron insurance, so kunin mo siguro kung saan ka meron account. Tanong mo yung teller o manager ng branch.
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dimonstration
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October 10, 2019, 03:46:11 PM |
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Ako meron na din before ang concern ko naman is the Critical Illness Protection dahil wala akong HMO that time and dahil may friend akong Financial Advisor kumuha nadin ako kahit medyo parang nahiya na lang ako di kumuha. VUL plan sya na Madaming benefits or riders ba yun. Hindi ko na naconsider yung sa Term Insurance that time since magchachange ang amount ng binabayadan daw yearly. Good topic anyway OP.
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rosezionjohn
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October 10, 2019, 05:17:48 PM |
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Life insurance is only required if you have dependents.......
........Gusto mo magka pera pamilya mo? Mamatay ka.
Insurance in just a few words ![Wink](https://bitcointalk.org/Smileys/default/wink.gif)
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lionheart78
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October 10, 2019, 05:18:18 PM |
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Before pa ako na-involve sa crypto, meron na ako nito. It's also an insurance at investment at the same time. If I'm not mistaken, sa stocks nila nilalaro pera.
I appreciate the post kasi malamang may mga unaware pa dito at alam ko may mga estudyante pa. Kung isa kang insurance agent din, maganda kung maging transparent ka.
No Insurance companies should be mention. Discussion lang if naisip din ng ibang traders ang importance nito. Since I search no thread related pa ang nag-open ng topic and it's nice na meron din aware sa ganitong product or investment. I had may insurance plan once I secured my income, mahirap kasi sa insurance plan, long term ang payment and once na magkaproblema ka sa pagbabayad, void ang plan mo. I am not against it but I think kung kulang ang kinikita sa pamilya, hindi maiisip ang magkaroon ng insurance plan dahil uunahin ang budget sa pamilya. Another thing, without a steady income hindi mo rin maitutuloy ang pagbabayad nito at maraming or almost lahat ng insurance plan ay nakatie ang pera depende kung kailan magmature kaya marami mas gingusto nilang magsavings dahil anytime pwede nila magamit sa pangangailangan. But Dabs gave a good option para dito: For example, for about 4000 pesos annual premium, covered ka up to 4 million death benefit. Usually they start as low as 500k death benefit. Para lang siguradong may maiiwan sa pamilya in case of something unexpected happen.
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Dabs
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October 10, 2019, 06:07:54 PM |
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Kunin mo lang yung plan na can afford mo. Wag ka kumuha ng maraming extra riders, kaya nga Term Life lang dapat, kasi yun ang pinaka pure insurance.
Hindi mo naman kailangan mamatay completely. Loss of one finger may bayad. Loss of one limb, one foot, one hand, may bayad.
Magkasakit ka, actually, baka walang bayad unless meron ka rin health insurance or critical illness something, so depende sa plan mo. Kung meron ka normal job, dapat meron ka something na health plan sa kanila, mag tanong ka sa HR ng company mo.
Kung maliit company mo, hanap ka ng iba, unless gusto mo dyan.
With whatever income you have, you should be able to set aside a little bit for your future, and for insurance purposes. Meron ka savings. Meron ka rin insurance.
At the very least, kung mamatay ka, hindi ibang kapamilya pero ibang tao magbabayad ng libing mo. Patay ka na nga, pabigat ka pa.
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abel1337
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October 10, 2019, 06:17:06 PM |
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Scenario Kung inuna ang wealth accumulation compare kay wealth protection. Nag invest sa crypto pero in time na need ng money na detect namay critical illness, that time the market is not in good condition, max out na ang hmo, kulang nadin ang philhealth. tendency nun withdraw mo yung investment mo kahit hindi pa naggain or worse is at loss pa. Pero kung meron ka sana wealth protection, may maclaclaim ka sa insurance company na kinuhanan mo ng policy dahil may coverage ka due to critical illness or accidents.
Almost ganito na experience ko wow, My relative was involve to a car accident and it wasn't my luck kasi halos ng pera ko nasa crypto that time and kinulang ang phil health and ang emergency funds ko for the medication and other expenses. I feel bad that time kasi na withdraw ko agad agad ang crypto investments ko which leave me on a small loss when it comes to value. Gusto mo ikaw ang magka pera? Maghanap ka ng 4M. Or MMMM = Matandang Mayaman Madaling Mamatay.
LOL , Sobrang tawa ko dito sir Dabs! ![Grin](https://bitcointalk.org/Smileys/default/grin.gif) didn't expect comedyante ka pala hahaha
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Wapfika (OP)
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October 11, 2019, 01:16:15 AM |
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Wow 😀 Thank you mga sir and Sir Dabs sa inputs and suggestions. Yes po I'm a Financial Advisor and I'd been on that scenario dati selling of family properties naman po nung nagkasakit parents ko, so better consider din yung option of having Life Insurance if kaya pa naman po natin maglaan sa budget. Depende naman po ito sa budget at needs natin lalo na po para sa mga taong mahal natin, if ever unforeseen situations happen hindi sila yung mabibigatan. Wag po mahiyang mgtanung sa Agent or sa companies and wag mahiyang sabihin kung anu lang po yung budget commitment na kaya nyo kunin since it's a long term commitment nga po. okay lang po magpost yung mga Non believer ng Life Insurance or may bad experience sa insurance nila para may ideya pa po tayo since kahit ako ang tagal din before I decide to get one nung hindi pako Agent. Thank you ulit mga sir for sharing your experiences and ideas.
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meanwords
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October 11, 2019, 01:49:43 AM |
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I think it's a good way para ma remind ang mga pinoy na investors na kumuha ng life insurance baka kung sakaling may mangyari mang masama. Aanhin mo ang pera kung hindi mo naman ito magagamit ng maayos for yourself or your family? Pero of course may limitations lang tayo at hindi mo naman kailangan kumuha kung hindi mo naman kaya.
Just what sir Dabs said, kunin mo lang ang mga insurance na kaya ng budget mo at kung may pamilya ka na. Hindi mo kailangan kumuha ng marami kasi hindi naman lahat ng insurance is magagamit mo.
Actually na enlightened din ako. As of now isa pa lang ang binabayadan ko at satingin ko tama na yun.
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samputin
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October 11, 2019, 03:19:53 AM |
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I don't have an insurance yet dahil wala pa naman akong pamilyang sinusutentuhan. Dependent pa din ako sa parents ko at the moment dahil magbo-board exam pa ako. Pero, hindi habambuhay andyan sila. I mean, the time will come that I will be the one looking after them and my siblings kaya nacoconsider ko na din magkaroon ng life insurance. At my age, dapat na talagang kino-consider ang mga ganitong bagay. Nadagdagan yung drive ko na kumuha ng insurance dahil sa discussion na ito, op. Thanks for that. But, regarding Dabs' response quoted below: Go for the bigger life insurance companies, the bigger ones like Sunlife, Manulife, BPI-Philamlife. BDO Life, PNB Life, BenLife, Caritas, Generali, Insular Life, Axa Life, Pru Life ... marami pag pipilian. Lahat ng big banks meron insurance, so kunin mo siguro kung saan ka meron account. Tanong mo yung teller o manager ng branch.
Wala pa kasi akong account sa kahit alin sa nabanggit mo. May mga commercials naman akong napapanuod at halos lahat naman, encouraging. So I'm just wondering kung aling insurance company ang dapat kong piliin? Anong mga bagay ang dapat kong iconsider in choosing an insurance company? Andami kasing choices hehe. So I thought, maybe there's a criteria.
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Bttzed03
Legendary
Offline
Activity: 2114
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https://bitcoincleanup.com/
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October 11, 2019, 03:44:24 AM |
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~snip
Nice to see you be transparent on that. Obviously may iba-ibang pananaw ang mga tao pagdating sa insurance dahil na din siguro sa edad at sa priorities. Maganda yung input ni Sir Dabs and sana magbigay din ng input yung mga estudyante at mga young adults dito na involved sa crypto.
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