Mrgoogley2889 Posted October 3, 2017 Share Posted October 3, 2017 +1 planning to start a sunlife VUL. Maybe 3k monthly. Is it worth it? Or may mas maganda ba aside from sunlife? Quote Link to comment
skitband Posted October 5, 2017 Share Posted October 5, 2017 MAA General Assurance Quote Link to comment
Dick11 Posted October 15, 2017 Share Posted October 15, 2017 You can try pru life uk. Fund managers are in singapore. You can search eastspring. Highly awarded fund managers in asia. You can pm me for more info. Quote Link to comment
stucksmart Posted October 18, 2017 Share Posted October 18, 2017 I'm an ex-insurance insider, my honest piece of advice, buy term life insurance and invest in separate mutual fund.. the hidden charges and costs of VUL and other traditional insurance products will eat your money without you even knowing it.. Insurance agents get around 20% to 50% of your premium, not including the bonuses and free trips locally and abroad Quote Link to comment
hitokiri_3020 Posted March 25, 2019 Share Posted March 25, 2019 meron po bang familiar sa cocolife? Quote Link to comment
cs1234 Posted March 25, 2019 Share Posted March 25, 2019 meron po bang familiar sa cocolife?Familiar ako dyan kasi sila ung nasa mall na may maling marketing strategy. Pero legit yan Quote Link to comment
hitokiri_3020 Posted March 26, 2019 Share Posted March 26, 2019 Familiar ako dyan kasi sila ung nasa mall na may maling marketing strategy. Pero legit yan thanks Quote Link to comment
PenetrayShawn Posted March 26, 2019 Share Posted March 26, 2019 meron po bang familiar sa cocolife? pag pumasok ka sa entrance ng mall malaki ang chance na kakausapin ka ng mga taga Cocolife na hihingi ng info mo para sa raffle. mabilis ang sales talk, hindi ko makita yung punto ng gusto nilang ipush sa akin kaya sinasabi ko na lang na wala akong trabaho. pero tama yung isang sumagot legit naman sila, di ko lang trip ang marketing strategy. they have an office along Ayala Ave. so I think established naman sila. dark ages lang siguro sila ngayon Quote Link to comment
K0RN - RETIR3D Posted April 8, 2019 Share Posted April 8, 2019 I do have one Policy (VUL) in place and paying it since 2014. Its always best to look for the best deals as long as its within your budget. Quote Link to comment
Stewart Gilligan Griffin Posted April 23, 2019 Share Posted April 23, 2019 I do have one Policy (VUL) in place and paying it since 2014. Its always best to look for the best deals as long as its within your budget. Can you give me some insights in your VUL Policy as I'm trying to get one in the US and VUL is quite good is some sense. Quote Link to comment
K0RN - RETIR3D Posted September 5, 2019 Share Posted September 5, 2019 Can you give me some insights in your VUL Policy as I'm trying to get one in the US and VUL is quite good is some sense. Its a Case-to-Case Basis what are my requirements in getting a VUL since there is no generic requirements aside from paying your policy on a periodic basis. Quote Link to comment
t0ya Posted September 18, 2019 Share Posted September 18, 2019 Pru uk ako. Term life and may VUL Quote Link to comment
PenetrayShawn Posted October 5, 2019 Share Posted October 5, 2019 A friend told me about insurance products that also have an investment part to them. Very interesting stuff since usual financial advice is to get insured first before invessting Quote Link to comment
hitokiri_3020 Posted October 9, 2019 Share Posted October 9, 2019 good afternoon sir/ma'am, baka po meron dyan pwede pagtanungan about manulife investment plan? TIA Quote Link to comment
paupau Posted August 9, 2020 Share Posted August 9, 2020 My brother passed away late last year. I asked for an update regarding his death claim from his insurance provider. We've submitted all requirements last January. Reply sakin eh until now under evaluation pa rin and usually it takes 6 months up to a year. Ganun talaga katagal death claim? Quote Link to comment
MRROUGHSEX Posted August 10, 2020 Share Posted August 10, 2020 My brother passed away late last year. I asked for an update regarding his death claim from his insurance provider. We've submitted all requirements last January. Reply sakin eh until now under evaluation pa rin and usually it takes 6 months up to a year. Ganun talaga katagal death claim?It could be. Kaya ayoko insurance plans. I'd rather tell everyone to invest in stocks and name beneficiaries in case of death. Mabilis transfer. Insurance companies just use OPM (other people's money) and invest in stocks to earn off from it around 30% of the profits. The 70% is what usually the policy holder's beneficiaries get. Quote Link to comment
paupau Posted August 11, 2020 Share Posted August 11, 2020 It could be. Kaya ayoko insurance plans. I'd rather tell everyone to invest in stocks and name beneficiaries in case of death. Mabilis transfer. Insurance companies just use OPM (other people's money) and invest in stocks to earn off from it around 30% of the profits. The 70% is what usually the policy holder's beneficiaries get. Ohh saklap pala. Kala ko pa naman isa sa purpose ng insurance eh para hindi mahirapan financially yung maiiwan family. Pahirap pala yung paghihintay Quote Link to comment
MRROUGHSEX Posted August 11, 2020 Share Posted August 11, 2020 Ohh saklap pala. Kala ko pa naman isa sa purpose ng insurance eh para hindi mahirapan financially yung maiiwan family. Pahirap pala yung paghihintay Follow up nyo lang parati. Hopefully it is an established company and not a fly-by-night. Marami kasing fly-by-night sa Pinas. Quote Link to comment
paupau Posted August 13, 2020 Share Posted August 13, 2020 Follow up nyo lang parati. Hopefully it is an established company and not a fly-by-night. Marami kasing fly-by-night sa Pinas. Manulife. January namin nacomplete requirements, nagfollow up ako this week, and yun nga sabi under evaluation pa rin. 1 Quote Link to comment
MRROUGHSEX Posted August 13, 2020 Share Posted August 13, 2020 Manulife. January namin nacomplete requirements, nagfollow up ako this week, and yun nga sabi under evaluation pa rin.Document mo calls like who you talked to, what department, day and time, and get their detailed adjudication process flow with expected number of day per step in the process. From the process, you can then ask where they are now in the evaluation steps, and get the name assigned doing the evalustion. Make sure you are calling the company line not just a broker kasi baka nagpapanggap lang yan, wag naman sana. Pag wala pa rin nangyayari at ayaw magbigay ng detalye call their HR and ask for the manager of that person. Baka natapat ka lang sa tamad, beginner, or mabagal na worker. Quote Link to comment
sanchezZZZzz Posted August 13, 2020 Share Posted August 13, 2020 what kind of insurance kinuha ng brother mo? and what cause of death? dapat mabilis lang yan.. in 1 week pde ng makuha ung claim. kase insurance , lalo manulife top5 sila Quote Link to comment
paupau Posted August 14, 2020 Share Posted August 14, 2020 Document mo calls like who you talked to, what department, day and time, and get their detailed adjudication process flow with expected number of day per step in the process. From the process, you can then ask where they are now in the evaluation steps, and get the name assigned doing the evalustion. Make sure you are calling the company line not just a broker kasi baka nagpapanggap lang yan, wag naman sana. Pag wala pa rin nangyayari at ayaw magbigay ng detalye call their HR and ask for the manager of that person. Baka natapat ka lang sa tamad, beginner, or mabagal na worker. Email lahat ng convo namin so andun yung buong thread. And yung email eh directly sa customer care ng Manulife. what kind of insurance kinuha ng brother mo? and what cause of death? dapat mabilis lang yan.. in 1 week pde ng makuha ung claim. kase insurance , lalo manulife top5 sila Life insurance. Pneumonia cause of death. Eto yung exact reply nila sa email. "Policy is contestable meaning it will undergo several process as we have contestability period of 2 years from the time policy has been issued. This usually takes 6 months up to a year since it is subject for approval and routine investigation." 1 Quote Link to comment
brazzerboy Posted August 15, 2020 Share Posted August 15, 2020 Email lahat ng convo namin so andun yung buong thread. And yung email eh directly sa customer care ng Manulife. Life insurance. Pneumonia cause of death. Eto yung exact reply nila sa email. "Policy is contestable meaning it will undergo several process as we have contestability period of 2 years from the time policy has been issued. This usually takes 6 months up to a year since it is subject for approval and routine investigation." Sorry to hear that bro. If that is the common practice in the industry, might as well avoid it na lang pala. Kaya ka nga kumuha in the first place para may peace of mind ka para sa mga maiiwan mo, tapos ang ending dadaan din pala sa butas ng karayom bago mo mapakinabangan ang pinaghirapan mo. BTW, is this traditional insurance or VUL? Quote Link to comment
paupau Posted August 16, 2020 Share Posted August 16, 2020 Sorry to hear that bro. If that is the common practice in the industry, might as well avoid it na lang pala. Kaya ka nga kumuha in the first place para may peace of mind ka para sa mga maiiwan mo, tapos ang ending dadaan din pala sa butas ng karayom bago mo mapakinabangan ang pinaghirapan mo. BTW, is this traditional insurance or VUL? Not too sure, nasubmit ko na sa kanila yung policy. Pero sa receipt nakalagay UL. 1 Quote Link to comment
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