22/07/2025
๐๐๐ฎ ๐ฎ๐ค๐ช ๐ฃ๐๐๐ ๐ฉ๐ค ๐๐๐ฉ ๐ ๐๐๐?
Kung gusto mo ng life insurance and you like the idea na posibleng bumalik sayo ang portion ng binayad mo, lahat ng binayad mo, or masmalaki sa binayad mo in the future, GET A VUL PLAN!
Kung gusto mo ng life insurance plan na hindi agad naglalapse pag hirap ka magbayad, GET A VUL PLAN! (As long as there are enough funds to pay for the monthly charges, the life insurance is inforce!)
Do not buy regular pay VUL if your primary goal is to invest because not all the money you put in a VUL plan is invested.
Go for MP2, mutual funds, or other financial instruments with accumulation as the primary intention.
Do not buy because of the fund value projections. They are NOT guaranteed amounts.
They are just estimates.
It can go lower, somewhere in the middle of those projections or higher.
Buy a regular pay VUL because of the INSTANT BIG AMOUNT THAT WILL BE READILY AVAILABLE ANYTIME. (This is a guaranteed amount that will be available as long as the plan is inforce.)
Buy VUL because it is a life insurance plan!
Buy VUL because untimely death is a huge expense that will be shouldered by the ones left behind.
Buy VUL because there are people depending on you.
Buy VUL because this life insurance plan can help your heirs pay for the estate tax.
By the way, since it has an investment component, it can also help you build funds for future goals.
Buy VUL if investing is your secondary goal and not your primary goal because the main goal of a VUL plan is life insurance.
Regular pay VUL has as investment component. In layman's terms, it is PART OF the VUL life insurance plan.
There are monthly charges are deducted from the fund value. (The projected amounts you see on the proposal assume that the monthly charges are already deducted.)
The fund value projections you see in a VUL proposal are not guaranteed amounts.
The fund value is affected by these:
(1) price per unit
(2) number of units
(3) monthly charges
The monthly charges are deducted from the fund value to pay for the LIFE INSURANCE, THE INSTANT BIG AMOUNT THAT IS READILY AVAILABLE ANYTIME!
Consider getting a VUL plan dahil may dalawang reality. Untimely death can happen anytime and there is also a possibility na mahaba buhay mo!
Kung sure ka na mahaba ang buhay mo, get pure investments. Pero walang may alam nito.
Dalawa ang reality. Hindi mo alam gaano kahaba or kaigsi ang buhay mo.
If you think that preparing for retirement is logical, also consider getting life insurance.
There is no guarantee that you will reach retirement age but everyone will die.
Remember, death will be a big expense for the people you leave behind. It can also make income stop when the breadwinner is gone.
You know what is really amazing about a regular pay VUL plan?
There is a possibility that the money you will leave your family will be bigger than the original life insurance amount you are paying. (Reason: because there is a fund value!!!)
By the way, there are also other life insurance products available that will match your financial situation, preference, intention and risk personality.
Talk to financial advisors who have mastered the products they selling and you will be amazed at what life insurance can really do.
Im here to help..
