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  • 1 month later...

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.

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  • 2 weeks later...

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.

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  • 2 weeks later...
pwede makipost  :upside:

 

tanong ko lng, maganda ba ang family first?

 

May nakasubok na ba?

 

 

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:

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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?

 

 

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.. :)

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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.

 

 

good points :)

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  • 3 weeks later...

word of caution when registering your vehicles annually....they MAY be fly-by-night companies.....pls read on..

 

TAKEN FROM PDI

Vehicle insurance fraud alarms gov't

Posted: 2:29 AM | Sept. 27, 2005

 

Doris C. Dumlao

Inquirer News Service

Nearly half of motorists holding fake certificates of coverage

 

THE government is alarmed over the surging incidence of fraud uncovered by the Insurance Commission among vehicle insurers providing compulsory public and third-party liability (TPL) coverage.

 

 

 

In an inter-agency government meeting Friday, the commission reported a proliferation of fake certificates of coverage, which led to non-payment of claims to affected motorists and taxes to the government.

 

At the meeting were top representatives of the Department of Transportation and Communication, Department of Finance and the Land Transportation Franchising and Regulatory Board.

 

The Insurance Commission said the collectible TPL premiums being reported to the government were much lower than should be collected based on the number of private vehicles registered with the Land Transportation Office (LTO), indicating leakages from taxable premiums on vehicle policies.

 

For instance, of the 4.3 million vehicles registered with the LTO in 2003, collectible premiums should be about P2.57 billion but only P1.38 billion was reported, the commission said. This means that nearly half of the vehicles covered were issued with fake certificates of coverage

 

"Those which reported are the legitimate insurers. The others are fly-by-night and therefore, the policies they issued were fake," said a source privy to the meeting.

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MARINE CARGO INSURANCE

Basic Coverage-covers risks of loss or damage to cargo during transit BY SEA, AIR OR LAND CONVEYANCE.

 

Features of Philam Marine Program

>Customized transportation coverages. We offer tailor-made coverage to suit the precise insurance needs of each client

>Competitive pricing

>Annual or open contracts

>Multinational or regional program

>Risk management/loss control engineering. Our engineers and specialists can conduct on-site surveys, identify potential hazards, develop loss prevention guidelines, and help clients implement loss control and quality improvement programs

>We regularly review rates of your client depending on the insurance performance

>Global reach. We utilize our worldwide marine claims service network in over 130 countries and jurisdictions

>Expert claims service. When a claim occurs, we respond quickly, delivering high-quality service and ensuring effective claims management and recovery.

 

Anyone involved in shipping or transport of cargo such as importers, exporters, manufacturers, and wholesalers? Kindly PM me if you interested.

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