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#81 Google

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Posted 15 October 2008 - 10:06 AM

can someone help me? I'm looking for the a good HMO. Can anyone give me insight on Maxicare, I-care, Medicard or any other recommendations. Thanks so much :D


all of those companies are ok, but i would prefer I-Care. but take note. READ THE CONTRACT PROPERLY. Most of them have LIMITATIONS where they will not pay for certain illnesses.

#82 Dr_PepPeR

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Posted 15 October 2008 - 04:40 PM

can someone help me? I'm looking for the a good HMO. Can anyone give me insight on Maxicare, I-care, Medicard or any other recommendations. Thanks so much :D


From what I know Maxicare is the most reliable and hassle free HMO. Only tried three so I guess my experience is a bit limited.

#83 jerpau

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Posted 28 October 2008 - 12:13 AM

sir is thier other way to get your insurace?
kc meron akong kakilala na nagpapakagat pa sa aso makakuha lang ng pera.
e naawa n nga ako e.pinapautang ko sana ayaw.
any other ways?

#84 kazium425

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Posted 17 December 2008 - 05:06 PM

sir is thier other way to get your insurace?
kc meron akong kakilala na nagpapakagat pa sa aso makakuha lang ng pera.
e naawa n nga ako e.pinapautang ko sana ayaw.
any other ways?


anong klaseng insurance ung kinuha niya and ung premium ba ung gusto niya makuha?

#85 wizard23

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Posted 17 December 2008 - 08:24 PM

if you have life insurance, you can loan from your insurance - depends on the cash value/divident payouts of your insurance. no need to have yourself bitten by a dog. aralin niyo mabuti bago kayo kumuha ng life insurance products - mga features, benefits para ma miaximize ninyo ang investment niyo.

#86 kaitaro

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Posted 25 December 2008 - 03:02 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

pwede po maginquire kung anong offers po nila?

salamat sa mga advice po ninyo lahat.

merry xmas to all

#87 calvinisevil

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Posted 01 February 2009 - 03:37 PM

pwede po maginquire kung anong offers po nila?

salamat sa mga advice po ninyo lahat.

merry xmas to all


still interested in getting insurance? ang tanong ko lang ano ba ang hinahanap mo talaga?

#88 Archus

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Posted 24 January 2013 - 07:57 PM

Mga GMs, do you have any feedback to sunlife life insurance / mutual fund investment scheme? please share. TIA

#89 harpoon24

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Posted 20 May 2013 - 02:29 PM

I had a VUL in Sunlife, magagaling mga financial advisors nila, well trained

#90 Baraka

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Posted 21 May 2013 - 09:34 AM

You can't go wrong with the variable-type insurance Pru Life has, and AXA also has very affordable plans. Both are reliable and flexible to your needs and budget.

#91 living_on_interest

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Posted 01 June 2013 - 07:41 PM

Just get Term Life Insurance and invest regularly on Mutual Funds and UITFs. May parating pa na ETFs.
Packaged insurance products such as Whole Life, VULs are BS. Insurance companies earn a lot from these products.

#92 abetman

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Posted 07 August 2013 - 08:14 AM

this is a nice topic. :) marami ako natutunan sa inyo.

Gusto ko malaman ano ba dapat tinitignan natin as a potential buyer? Kasi may iba ibang insurance. Paano mo malalaman kung term ba or permanent? Kasi sa pagkakakintindi ko mas matanda tayo kumuha ng term pataas premium. Tsaka kung permanent plan mas beneficial kasi may cash value or account value.

Personally mas gusto ko na may accumulated value e. Kayo ba ano ang tinitignan doon? Budget? Coverage?

#93 abetman

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Posted 07 August 2013 - 08:18 AM

Just get Term Life Insurance and invest regularly on Mutual Funds and UITFs. May parating pa na ETFs.
Packaged insurance products such as Whole Life, VULs are BS. Insurance companies earn a lot from these products.



Bro gusto ko din malaman yung side mo. I agree na mas-mura ang term. So I buy term and invest the difference. Ano ba yung mga recommended na investment? Ano returns at magkano minimum na capital?

Tanong ko narin yung mga acronym na ginamit
UITF at ETF at VULs

Salamat!

#94 neville

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Posted 07 August 2013 - 12:33 PM

Im 35 this month, single, and will probably remain so. I don't have dependents and i'm fixing my finances. I have mutual funds and some savings, but I know it's not enough. Currently, im paying off my card and personal loans with the target to finish them next year.

Do I need to get an insurance? Why and what kind? Thanks.

#95 Archus

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Posted 16 September 2013 - 12:06 PM

Im 35 this month, single, and will probably remain so. I don't have dependents and i'm fixing my finances. I have mutual funds and some savings, but I know it's not enough. Currently, im paying off my card and personal loans with the target to finish them next year.

Do I need to get an insurance? Why and what kind? Thanks.


Im not an expert pro ito ang suggestion ko, pay all your debt first, this will lighten things up. then establish an emergency fund equivalent to your monthly expenditure for six to twelve months. now if no one is dependent in your income better yet get a term insurance for capital protection and also continue investing sa MF, try UITF & T-bills and also ETF. on your case meron ka ng investment, kulang na lang ay palaguin mo pa ang basket of goods na meron ka. spread the risk ika nga.

@topic

i have this question on term insurances, for example you are 22 YO when you availed the 20 years term insurance (mag expire at age 42) at excluded ka sa medical examination during that time. pero pag dating mo ng 42 at gusto mo i-renew ang product, do you have undergo the process of medical examination given na nakuha mo yun 20 years ago at exempted ka sa medical? Underwriters please enlighten me. Thanks.

#96 Google

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Posted 07 January 2014 - 09:53 AM

Just get Term Life Insurance and invest regularly on Mutual Funds and UITFs. May parating pa na ETFs.
Packaged insurance products such as Whole Life, VULs are BS. Insurance companies earn a lot from these products.


i agree.....

#97 cuchero

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Posted 19 July 2014 - 08:16 PM

sirs, mams kung interesado kayo, pwede ako mag present kung gusto nyo, connected ako sa isa sa top three insurance companies sa philippines. pm me na lang thanks.

#98 anduril64

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Posted 29 July 2014 - 07:57 PM

Im 35 this month, single, and will probably remain so. I don't have dependents and i'm fixing my finances. I have mutual funds and some savings, but I know it's not enough. Currently, im paying off my card and personal loans with the target to finish them next year.

Do I need to get an insurance? Why and what kind? Thanks.

Yes, you need insurance; if can find an indexed VUL/term combo with long term care (LTC), living benefits and cash value of 8% interest annually, it might be of help.

#99 RocketRacoon

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Posted 15 August 2014 - 07:34 PM

Hey guys, which is better: sunlife or philamlife? Looking for a pure insurance with minimal to no equity placements.

#100 matthew

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Posted 28 August 2014 - 05:39 PM

both are reliable life insurance companies. good to note though historical resiliency of both. philalife needed to unload some businesses after aig was affected by the last global recession




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