Kaka_shi

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There's so many variables required to be filled in before anyone can answer your question like:

1. What do you want to insure e.g. life, car, house,funeral, health/hospitalisation?

2. What's your budget?

 

Personally since I live in Australia (I've been living here for a while), I don't think I can recommend any insurance but maybe the community would be able to help.

 

But If I'am you, here are few thoughts:

1. VUL is a crappy insurance for 99% of the population, don't buy them. Separate insurance with investing ALWAYS

2. Buy "Term Life Insurance" instead

3. If no one depending in your income e.g. you're single, you don't need millions in life insurance, unless you want to be buried like King Tut

4. If you have dependends, get 8-10x of their expenses as life insurance coverage (e.g. kung kaya nila mabuhay sa 300,000/year, insure 2.4M-3M for them.

5. Have 3-6 months of expenses as emergency fund. This is one of the best insurance against the F*CK up of life

6. Get disability insurance.

7. If you're employed check if you have health insurance already covered. If not, get one.

8. If you're insurance premiums is greater than your savings/investment, you're an IDIOT.

9. Focus on investment. Once youre investment e.g. rental, stocks, is able to cover for your life expenses, you're self insured so you don't need life insurance perse.

helpful

paadvice po ng best insurance company

hello po