Insurances

[bRIX]

@financial advisor

 

actually i already have a philamcare card.. it's going to expire on aug 31. i just want to get some options from other companies.

 

[financial advisor]

@financial advisor

 

actually i already have a philamcare card.. it's going to expire on aug 31. i just want to get some options from other companies.

 

<{POST_SNAPBACK}>

 

 

Why don't you renew your application with Philamcare? I'll be personally assisting you with your account 24/7

[bRIX]

i already have someone assisting me on my philamcare insurance. sa mutual funds na lang.. i'm planning to invest some of my spare cash by september.

[financial advisor]

i already have someone assisting me on my philamcare insurance. sa mutual funds na lang.. i'm planning to invest some of my spare cash by september.

<{POST_SNAPBACK}>

 

ok, just PM me or let me know when you are available so we can arrange a meeting. Thanks.

[financial advisor]

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.

<{POST_SNAPBACK}>

 

 

good points

[xuaeenr]

Question po - my pension plan at Philam expired due to overdue premium just last month. Is there a chance I can get this policy reinstated? What are the requirements?

[Carlos14th]

yes, you can reinstate it. Normally you are gicen 60 days grace period.But kung last month lang ang due mo, you don't need to reinstate it. You have the 60 days grace period. If its beyond the 60 days period, ask for a reinstatement form. No medical exam needed.

[hilars888]

All kind of insurance....you can pm me from life to non-life.....no pre-need......big discount....quality service.......

[financial advisor]

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.

[financial advisor]

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.

[financial advisor]

OVERSEAS STUDENT TRAVEL INSURANCE

2 Types of Plan:

 

Short Term( Up to 4 mos)

Long Term(5-12 mos)

 

Anyone interested? PM me and il send you the details

[financial advisor]

COMPREHENSIVE GENERAL LIABILITY protects the insured against legal liability for Property Damage or Bodily Injury arising out of the ownership, maintenance, or use of the premises and all the operations which are necessary or incidental to the business.

 

Usually covers the following hazards:

1. Premises operations

2. Elevators/Escalators

3. Independent Contractors

4. Product Liability

5. Completed Operations

 

 

The coverage may be extended to include:

Employer's Liability Insurance

>protects the insured from legal liability to pay damages because of bodily injury by accident or disease, including death of an employee of the insured arising out of and in the course of employment.

 

Automobile Liability Insurance

>protects the insured from legal liability to pay damages because of bodily injury or property damage to thrid party caused by an occurrence and arising out of the ownership, maintenance or use, including loading and unloading, of any automobile.

[financial advisor]

Anyone here familiar with Variable Life insurance? Or has an existing variable life account?

[sativus]

any of you guys now what's the best insurance to get and where?

<{POST_SNAPBACK}>

 

 

 

:mtc: ........coz it has a pension, an insurance for 5 years and medical reimbursement for you and your immediate family pm mo ko for more details

[Guest airmax]

paano kung di mo binayaran ung monthly mo sa insurance. i penalized ka ba nila nyan? pede mo bang i claim ung nabayaran mo na before?