Insurances

[xcalibr]

do you also have TPLs? Please PM for more details.

[fungzoi]

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

 

 

 

INSURANCE SA CASINO BLACKJACK GUSTO MO?

[financial advisor]

airmax,

 

what kind of insurance plan do you have. if you have missed a premium or payment, you still have time to save your plan. this is also called grace period. this varies but the usual grace period is 30-60 days from due date.

 

 

xcaliber,

 

yes, we have tpl. i will send you my contact info by pm. thnks!

[financial advisor]

ONE TIME $ INVESTMENT LINKED INSURANCE PLAN

 

Initial Invesment/Premium: $2000

Additional(anytime): $500

 

Program: Variable Life Insurance

Description: Investment with insurance coverage

Benefits: Living(Account Value or investment portion) and Death benefit(life insurance portion)

 

INVESTMENT(Account Value)

Performance/Yield since AS OF YEAREND 2005 since inception in July '05

Dollar Bond Fund 13%

Global Bond 6%

 

INSURANCE

The death benefit is the higher of the Account Value or minimum death benefit. Death Benefit is computed:

 

1.125% of single premium, plus

2. 125% of additional subsequent investment, less

3. 125% of each partial withdrawal

 

PLS PM ME IF YOU WANT FREE APPOINTMENT. I appreciate discussing all of these in person. Non-commital.Thank you.

[jt2003]

what kind of insurance plan do you have. if you have missed a premium or payment, you still have time to save your plan. this is also called grace period. this varies but the usual grace period is 30-60 days from due date.

xcaliber,

<{POST_SNAPBACK}>

Remember also to check your policy for default options. A good agent would have had you take the automatic premium payment if you have a participating policy. If you miss a payment, the insurance company will make it on your behalf using your accumulated dividends, assuming of course that you already have accumulated dividends. If you have no more dividends because they were used up to pay premiums (assuming that the policy has been in force for a number of years), there's the automatic premium loan option if your policy already has cash value. The real problem occurs when you miss a payment beyond the grace period and your policy lapses before you've accumulated dividends or cash value...or when the policy is still contestable. When that happens and you reinstate your policy, you begin from Year 0.

[Guest wackeen]

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?

<{POST_SNAPBACK}>

 

 

unang-una, may grace period ka that gives you extra time to make payments. But honestly, kung nag-monthly mode ka ginawa mo yun dahil gusto mong maliit ang payment mo. You should be able to make the payments regularly kasi magaan sila.

 

ano ginagawa ng meralco ko pag di ka nagbayad? disconnection di ba? same thing sa insurance, if you dont pay your coverage stops and you are no longer protected. however you can reinstate your policy and reactivate your coverage. of course, you have to pay the back premiums plus surcharges.

 

basically hindi mo puedeng i-claim ang nabayaran mo na. there is a cash value but this is only a fraction of what you paid, and companies follow government guidelines (nasa insurance code) on how much this should be. may bawas na yun dahil:

1) may nagastos na ang company by issuing your policy. in fact kadalasan abonado pa nga ang company dahil sa mga taxes, commissions, at ang reserve.

2) may na-enjoy ka nang protection habang inforce pa yung plano mo. hihingi ka ba ng refund sa botica para sa vitamins na ininom mo ng isang buwan, dahil hindi ka naman nagkasakit? Or ipaparefund mo ba ang payong na binili mo just because hindi pala umulan?

 

remember that when you compare how much you pay to how much protection you get ang layo.. and to be able to assume that risk the company has to protect the funds contributed.. and this includes being a bit strict on those who will stop paying, if only for the good of those who will continue.

[THUG]

is there an insurance for people with no beneficiary? i'm looking for a hospitalization and disability insurance only..

 

something to keep me alive when i cannot work anymore.. but i don't need to have a beneficiary..

[jt2003]

is there an insurance for people with no beneficiary? i'm looking for a hospitalization  and disability insurance only..

 

something to keep me alive when i cannot work anymore..  but i don't need to have a beneficiary..

<{POST_SNAPBACK}>

 

Yes, there are. The hospitalization thing is a bit tricky, though. For instance, when my father suffered a stroke, we couldn't use his hospitalization insurance because it provided for injuries caused exclusively by accidents. If you do take out a hospitalization policy, be very clear if it covers only hospitalization from accidents. You might want to insist on coverage for sickness. This will probably require a medical examination unless your agent has a high coverage limit.

 

I also used to have what was called an "income continuance plan" whereby you receive monthly or lumpsum benefits in case you're disabled and unable to work. I got it when there was still a Citytrust bank. It was continued for many years under BPI...then stopped. The sudden stop was actually a violation of the policy, but I just grew tired of the runaround I was getting from BPI.

 

The downside to such plans is that there's usually no cash value provision. There's no surrender value. The upside is that some plans will give your money back if nothing happens to you during the plan's term.

[George Estregan Lives]

Uy, OK pala ito ha? Sama ko na din yung insurance products na ino-offer ng GSIS. Eto iyong non-life insurance namin. Kaso this is limited lang sa mga GSIS members and their dependents. Sayang nga kasi gusto naming icover pati non-members, kaso ayaw kaming payagan ng Insurance Commission. Masyado kasing mura products namin.

 

Anyway, for our enhanced non life, meron kaming Motor Vehicle (comprehensive), Fire Insurance/Personal Accident, Property Floater, Marine and Aviation, Bonds, etc.

 

Sample lang, sa motor vehicle. Kadalasan yung comprehensive sa P650K worth na brand new na sasakyan ranges from P25,000 to P30,000.

 

Sa GSIS, it's as low as 1.6 percent ng value nung sasakyan. So for the same type of vehicle, you pay only P10,400. So easily, for the same insurance cover, makakatipid ka ng about P19,000. DI na masama di ba?

 

Kaya kung GSIS member ka, or asawa, anak, or magulang ka ng member, go to any GSIS offices to get this, or call GSIS General Insurance at 891-6352.

 

Thanks.

[financial advisor]

ONE TIME $ INVESTMENT LINKED INSURANCE PLAN

 

Initial Invesment/Premium: $2000

Additional(anytime): $500

 

Program: Variable Life Insurance

Description: Investment with insurance coverage

Benefits: Living(Account Value or investment portion) and Death

benefit(life insurance portion)

 

INVESTMENT(Account Value)

Performance/Yield since AS OF YEAREND 2005 since inception in July '05

Dollar Bond Fund 12%

Global Bond 6%

 

INSURANCE

The death benefit is the higher of the Account Value or minimum death

benefit. Death Benefit is computed:

 

1.125% of single premium, plus

2. 125% of additional subsequent investment, less

3. 125% of each partial withdrawal

 

 

As of February the net yield is 14.78% for the Dollar Bond Fund and 6.94%

for the Global Bond Fund. The returns are NON-GUARANTEED but based on

historical performance, the funds have been performing way over the

projections. You can just imagine how much is the return on a full year!

Not only this, the gains on the capital are tax free and there is no

holding period like time deposits or trust funds.

 

 

If anyone is interested kindly PM me. Thanks

[financial advisor]

just keeping this thread alive... anyone needs CTPL for car registration?If you want to get it early so you wont need to fall in line inside the lto ofc i can help you..just reply here or send me a PM.

[launchpad]

guys advce naman if this is a good investment, paying for 13 years after that wait for 4 years and you get withdrawable endowment which is an option while when you reach 65 you still get money plus death insurance that is sure.

 

tama ba? any flows on this? advice pls

[launchpad]

flaw pala

[ganjaman318]

thats ok...if u want, pm me and i can get something from philam that is competitive...

[Dr_PepPeR]

Is this something offered by Sun Life Financials? I saw that Sun Life Financials now have promo girls, tall hot girls in mini skirts. I only want to talk to them ehem.