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#1 bRIX

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Posted 26 June 2005 - 10:25 AM

any of you guys now what's the best insurance to get and where? :)

#2 Carlos14th

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Posted 26 July 2005 - 08:11 PM

What kind of insurance are you asking for, life insurance?

#3 xcholox

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Posted 27 July 2005 - 08:27 PM

Sun Life Financial has the best track record of keeping satisfied clients and excellent service from its agents, Philam Life has the best variety among its products and offers great choices. I'd narrow it down to these 2 if my life depended on it (which is actually true :P )

Try getting an insurance broker (AON, Marsh, Jardine) for your non life insurance, let them figure out whats the best for you and your property.

#4 vent536

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Posted 28 July 2005 - 01:38 AM

oo nga what kind of insurance muna do you need... life or non life...

#5 bRIX

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Posted 30 July 2005 - 05:38 AM

non-life insurance muna..

#6 financial advisor

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Posted 10 August 2005 - 07:45 PM

Hi! What kind of non-life are you looking? :)

#7 warm vanilla sugar

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Posted 11 August 2005 - 02:24 PM

pwede makipost :upside:

tanong ko lng, maganda ba ang family first?

May nakasubok na ba?

#8 masi

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Posted 11 August 2005 - 03:44 PM

pwede makipost  :upside:

tanong ko lng, maganda ba ang family first?

May nakasubok na ba?

<{POST_SNAPBACK}>



i suggest you go with the tested companies like manulife, sunlife, etc. go with insurance companies that have no frills no gimmicks. get some1 that has a professional rep who will handle your account.

#9 masi

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Posted 11 August 2005 - 03:49 PM

any of you guys now what's the best insurance to get and where? :)

<{POST_SNAPBACK}>


get from reliable sources - manulife, sunlife, aig, ayala-fgu.

#10 Carlos14th

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Posted 12 August 2005 - 10:32 AM

in dealing with insurance agents, ask them if they are full time or part time. Go for the career agents. Yung iba kasi, kung minsan ang nakakasira sa name ng Insurance company, mga peddlers.

Remember also to read their propsals. There are proposals na masyado liberal yung mga figures na papakita, like the dividends. Settle for the conservative ones. Kasi akala mo yun ang makukuha mo pagdating ng maturity, but you'll just get disappointed pagdating ng araw., not unless mauuna ka mamatay.

Also, in manner of payment of premium. You can either pay it annually which is the cheapest , semi annual, quarterly or SMPDC(special monthly post-dated checks). Salary deduction, pwede rin kung franchise ng Insurance co. ang employer mo.

when it comes to life insurance, there are lot of products to choose from, depends on your budget and preferences. Pinakamahal ang endowment, then whole life. Meron din 50%whole-50&term insurance. And of course the most affordable is the term insurance. Term insurance does not earn dividends and have no cash value. Dami pa pwede explain but i still have an appointment to make.

#11 simpatiko

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Posted 21 August 2005 - 04:37 PM

pwede makipost  :upside:

tanong ko lng, maganda ba ang family first?

May nakasubok na ba?

<{POST_SNAPBACK}>



Ako meron plan dun. Actually nagkaroon ng issue yun but about sa promo nila hindi about sa plan. I called SEC na rin and so far sila lang ang may A+ na rating rather than any insurance firms sa philippines. Berkley yung company nagmamarket Family First. I have Philam and sunlife too. Pare-pareho maganda. :headsetsmiley:

#12 bRIX

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Posted 21 August 2005 - 07:19 PM

how about health cards.. what do you guys recommend?

#13 financial advisor

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Posted 23 August 2005 - 10:11 AM

Hi! Im from Philam Financials. If you are interested, i can give you a short presentation about our products. Just PM me. Thank you.

http://www.ephilam.c...mcare/home.html

#14 coolestboy

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Posted 23 August 2005 - 09:19 PM

tanong lang mga parecoys.....i recently bought an AUV through bank financing....its covered by a comprehensive insurance. WIll my vehicle be covered in any accident if it happens while it is being transported on a boat to let us say...Mindoro? if it is not...can i increase my coverage?

#15 financial advisor

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Posted 24 August 2005 - 09:39 AM

tanong lang mga parecoys.....i recently bought an AUV through bank financing....its covered by a comprehensive insurance.  WIll my vehicle be covered in any accident if it happens while it is being transported on a boat to let us say...Mindoro?  if it is not...can i increase my coverage?

<{POST_SNAPBACK}>



If what you have is comprehensive car insurance, your car is also covered when it is on board a boat or ferry. Should any accident happen, you should file a report or get a report from the proper authorities that such incident happened and then you can file a claim. Also, check your car insurance contract or call you insurance company if there are any disclaimers provisions that will prevent you from making a claim. Hope this helps.. :)

#16 bRIX

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Posted 24 August 2005 - 11:01 PM

@financial advisor

actually i already have a philamcare card.. it's going to expire on aug 31. i just want to get some options from other companies.

:)

#17 financial advisor

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Posted 25 August 2005 - 06:41 AM

@financial advisor

actually i already have a philamcare card.. it's going to expire on aug 31. i just want to get some options from other companies.

:)

<{POST_SNAPBACK}>



Why don't you renew your application with Philamcare? :) I'll be personally assisting you with your account 24/7

#18 bRIX

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Posted 26 August 2005 - 07:28 PM

i already have someone assisting me on my philamcare insurance. sa mutual funds na lang.. i'm planning to invest some of my spare cash by september.

#19 financial advisor

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Posted 27 August 2005 - 05:53 PM

i already have someone assisting me on my philamcare insurance. sa mutual funds na lang.. i'm planning to invest some of my spare cash by september.

<{POST_SNAPBACK}>


ok, just PM me or let me know when you are available so we can arrange a meeting. Thanks.

#20 financial advisor

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Posted 01 September 2005 - 02:43 PM

in dealing with insurance agents, ask them if they are full time or part time. Go for the career agents. Yung iba kasi, kung minsan ang nakakasira sa name ng Insurance company, mga peddlers.

Remember also to read their propsals. There are proposals na masyado liberal yung mga figures na papakita, like the dividends. Settle for the conservative ones. Kasi akala mo yun ang makukuha mo pagdating ng maturity, but you'll just get disappointed  pagdating ng araw., not unless mauuna ka mamatay.

Also, in manner of payment of premium. You can either pay it annually which is the cheapest , semi annual, quarterly or SMPDC(special monthly post-dated checks). Salary deduction, pwede rin kung franchise ng Insurance co. ang employer mo.

when it comes to life insurance, there are lot of products to choose from, depends on your budget and preferences. Pinakamahal ang endowment, then whole life. Meron din 50%whole-50&term insurance. And of course the most affordable is the term insurance. Term insurance does not earn dividends and have no cash value. Dami pa pwede explain but i still have an appointment to make.

<{POST_SNAPBACK}>



good points :)




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