Junelyn Tamang Tomin, Financial Advisor

29/01/2026

18/06/2025

Life is full of twists and turns, so it’s natural for your priorities and goals shift over time. Today, you might be focused on building your career. Tomorrow, it could be starting a family, growing a business, or even planning for early retirement. The truth is, your goals evolve–and your plans should evolve with them.

That’s why having a plan that offers both security and flexibility is key. AIA Goals Protect is designed to help you protect what matters most while giving you the freedom to adjust as your priorities shift. It is a life insurance product with an investment component that offers the flexibility to adjust it based on your long-term protection or savings you need. To help you get started, this plan offers recommended packages tailored to different needs like:

AIA Goals Protect - Protection
This package is for those who want to secure themselves and their loved ones from life’s uncertainties. By pairing the plan with riders such as the Enhanced Waiver Premium, Total Permanent Disability, and Personal Accident, you ensure that you stay protected, whether it’s an unexpected accident, disability or even death, all while building your savings for the future.

AIA Goals Protect - Health & Medical
If health and medical protection are your priorities, this package is for you. It’s designed to protect you against rising health expenses while still helping you to grow your savings. With riders like Critical Illness, Hospital Income Benefits and Medical Benefit, you can strengthen your coverage and stay financially prepared for the future.

AIA Goals Protect - Long-term Savings Growth
This package is designed for those who are focused on long-term financial security. This plan helps you grow your savings over time while customizing your coverage. You can allocate more premiums toward investment growth, tapping into AIA’s best performing funds managed by experts from AIA investments. You can also enhance your plan with riders like Enhanced Waiver of Premium, helping you stay on track with your long-term savings goals, even when unexpected challenges arise.

Each of these packages is customizable to fit your financial protection needs. Whether your priority is to protect your loved ones, stay financially secure amidst health challenges, or focus on building your investments for the future, AIA Goals Protect offers a plan that adapts with you. It’s a plan that gives you peace of mind today and adjusts to helps secure your success in achieving your goals.

Life changes, and priorities shift—your plans should adapt too. Discover how AIA Goals Protect keeps you secure, no matter what.

26/06/2024

Secure your finances from unexpected medical expenses by adding Medical Benefit Rider to your AIA Health Cover to your plan. Get up to 90% in-patient medical and hospitalization coverage to lessen your financial worries when faced with medical emergencies.

21/03/2024

Join us for an exciting conversation with Maylodie Ticao from Davao - Evangelista Agency happening next Wednesday (Mar 27) from 05:30 – 07:00 PM, as she shares her life-changing story as an AIA Life Planner.

Just like Maylodie, YOU, too, have the power to change your story with AIA Philippines (formerly Philam Life).

Message me to register for FREE!

20/03/2024

Everyone deserves access to good education— but learning can get quite expensive, especially when you want the best for your children. Consider insuring their learning, with an education policy! AIA’s Future Scholar safeguards your children’s future from unexpected challenges and helps you build a fund in preparation for their college life.

Everyone deserves access to good education— but learning can get quite expensive, especially when you want the best for your children. Consider insuring their learning, with an education policy! AIA’s Future Scholar safeguards your children’s future from unexpected challenges and helps you bui...

16/03/2024

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang 😁☕️

CTO

19/02/2024

Client: Ang dami pa kasi naming bayarin. 😔

Me: Oh I understand, huwag kang mag alala ramdam na ramdam ko rin yan. Pero diba di naman natatapos yung mga bayarin natin? Nadadagdagan pa nga sa totoo lang habang natanda tayo.
Pero ang pinagkaiba kapag may Life Insurance ka, may peace of mind ka na whatever happen sayo, yung mga bayarin na sinasabi mo, ay di na masyado poproblemahin ng pamilyang maiiwan mo.

Kapag kumuha ka ng Life Insurance ngayon, di ko naman sinasabi na mababawasan ang bills mo, may bills ka pa rin pero insured ka.

Pili ka client, dun sa maraming bills na insured o sa marami lang bills?

Client: Anu ba kailangan dyan, nasan na ba yung forms na pipirmahan?!? 😍💯💯

(ctto ☺️)

19/02/2024

Secure your child's future with AIA A+ Signature. Explore how its benefits empower first-time parents in building a worry-free tomorrow.

16/02/2024

Did you know that many still believe that you don’t need insurance if you are young, healthy, and have savings? Learn more about it and other insurance myths here👇👇👇

Did you know that many still believe that you don’t need insurance if you are young, healthy, and have savings? Learn more about it and other insurance myths here.

13/02/2024

You may be wondering how to make sure that the start of your happy married life doesn’t break the bank— well, we’ve compiled a list of financial tips you’ll surely be able to use!

12/02/2024