Insurances

[Stewart Gilligan Griffin]

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.

[K0RN - RETIR3D]

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.

[t0ya]

Pru uk ako. Term life and may VUL

[PenetrayShawn]

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

[hitokiri_3020]

good afternoon sir/ma'am,

 

baka po meron dyan pwede pagtanungan about manulife investment plan?

 

TIA

[paupau]

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?

[MRROUGHSEX]

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.

[paupau]

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

[MRROUGHSEX]

 

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.

[paupau]

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.

[MRROUGHSEX]

 

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.

[sanchezZZZzz]

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

[paupau]

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."

[brazzerboy]

 

 

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?

[paupau]

 

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.