Posts tagged ‘life insurance’

Life Insurance: Should I Cancel my VUL and Switch to BTID?

Published: November 24, 2017 | Personal Finance | 12 Comments

A lot of people who don’t know much about investments are often convinced by life insurance agents to buy VUL or Variable Unit-Linked Insurance, or also known as Variable Universal Life insurance. The marketing pitch is great. When you get a VUL, you get a 2-in-1 product – life insurance and investment. And in today’s […]

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Life Insurance Coverage Calculator

Updated: February 8, 2018 | Personal Finance | 5 Comments

Life insurance is an essential product that provides financial protection for your loved ones. And one of the most common question that people have when it comes to life insurance, especially parents, “Is how much life insurance coverage do you actually need?” To answer this question, I now give you a simple life insurance calculator, […]

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Getting to Know AXA: The Most Valuable Insurance Brand in the World

Published: July 16, 2015 | In Focus | 4 Comments

A company needs a strong brand to be successful. However, this is easier said than done, because to have a strong brand requires people to believe and trust in your products and services. For example, when it comes to smartphones, which brands do millions of people prefer? The answer would be Apple and Samsung. When […]

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Good News for OFWs: You Can Now Buy Life Insurance Online

Published: June 11, 2015 | In Focus | 18 Comments

Life insurance is an essential part of a sound financial plan. It provides financial security and peace of mind to those who mean the most to you – your spouse, your children, and dependent parents. However, if you’re working as an OFW, access to life insurance is not easy. Most Filipinos would have to wait […]

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BTID vs VUL and How I See Financial Planning With Respect to Life Insurance

Updated: November 24, 2017 | Personal Finance | 17 Comments

Buy Term, Invest the Difference (BTID) versus getting a Variable Unit-Linked (VUL) life insurance is always a divisive topic, even among us Registered Financial Planners. There have been many attempts to compare them based on actual figures and both sides can always come up with results that favor their stand. However, I believe that protection […]

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The Best Insurance Company in Terms of Investments

Updated: August 12, 2018 | Investing, Personal Finance | 29 Comments

I was on Facebook the other day, when I saw this question being asked in a group. “Can you please advice me which is the best insurance company in terms of investments? Manulife? Sunlife or Philam? Thanks.” The initial responses where agents and advisors who are sharing why they are the best insurance company. Meanwhile, […]

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Estate Planning 101: Leaving Behind a Good Legacy To Your Family

Updated: October 27, 2017 | Personal Finance | 12 Comments

There’s a joke that life insurance agents often tell… They say that if you attend a wake and you see that the spouse is sobbing quietly, then the departed loved one most probably had life insurance. But if the spouse is loudly wailing in tears every night, then not only did the deceased had no […]

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3 Reasons Why You Should Visit The Brighter Life Philippines Website

Published: September 4, 2013 | In Focus | No Comments

Sun Life Financial has recently launched a new community website called, Brighter Life. It’s actually a lifestyle blog with focus on personal finance, health, family life, career and business. As part of the company’s financial literacy campaign, Sun Life hopes that Brighter Life will help inspire and educate Filipinos toward the more enlightened path of […]

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Risk Management 101

Updated: August 15, 2015 | Personal Finance | 4 Comments

How do you manage risks, especially in investing? To answer this question, we must first define what risk is, then learn how risks are typically handled in real life situations. And this is our simple lesson for today, Risk Management 101. What is risk? It is the potential of loss, which is an undesirable outcome, […]

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How Much Life Insurance Coverage Do You Need?

Updated: July 18, 2018 | Personal Finance | 20 Comments

If you have dependents or a family breadwinner, then you need life insurance. If you’re not sure if you need one, then just imagine what would happen to your loved ones when you die tomorrow. Will they be able to survive and continue living the way they are doing now, or will their lifestyle suffer […]

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Philam Life Offers Term Life Insurance Through IMG

Updated: September 20, 2013 | In Focus | 68 Comments

Yesterday, I went to the IMG Wealth Academy office in Makati to attend the official announcement of IMG’s newest product, the Philam Life Annual Term Life Insurance. One of IMG’s top mentors, Mr. Noel Arandilla, together with Philam Life’s top marketing executives discussed to us the features and highlights of this special term life insurance […]

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My Reasons Why You Should NOT Get A VUL or Whole Life Insurance

Updated: November 24, 2017 | Personal Finance | 95 Comments

In my previous Reader Mail post, I posted and answered the question: “Is insurance an investment?“ I said that it is not an investment, but just a form of protection. I also said that getting term-life insurance and short-term health insurance is important. In fact, you should have them before you even think of investing. […]

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On Dying Too Soon and Living Too Long

Updated: January 27, 2016 | In Focus, Personal Finance | 30 Comments

If given the choice, would you rather die too soon, or live too long? Well, I’m sure you’d choose the second option, unless you’re missing a few screws in your head. Indeed, everyone wants to live a long and happy life. However, it’s a fact that nobody really knows when they’ll die. And if we […]

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SunShorts Feature: The Debt

Published: September 8, 2012 | In Focus | 5 Comments

Do you have life insurance? That’s the question I asked about a month ago in my post entitled, On Life Insurance and Heartwarming Stories. And the answer I gave there was simple: If you have dependents, then you should have one. Why? For many reasons, but personally, the most important one is because we never […]

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