05/12/2023
โผ๏ธ5.5 magnitude is a BIG concern.
Dahil sa mga naging experiences natin like Earthquake, Typhoon, Lightning strike, Landslides, and other acts of nature, may mga natatanggap ako na mga messages na kung may life insurance plan na covered ang accident due to "acts of nature".
Mayron po ba ang ganun na special feature sa Term insurance? The answer is NO kasi sa term insurance, regardless kung paano nag occure ang accident including earthquake, "accident benefit" lang siya. Also mayron sa Term insurance na "accidental death benefit", additional benefit na kung saan magdouble ang accident benefit amount matatanggap ni beneficiary.
Mayron bang life insurance plan na kung saan: accident benefit + accidental death benefit + additional accident benefit when accident occurs at either "acts of nature" or "riding a public utility vehicle"? YES! We have at least 3 life insurance plans for that, AIA All In One, AIA All In One Plus, and AIA Future Builder!
What is the advantage of these 3 plans versus our term insurance with accident benefit? In terms of accident benefit, let me give you an example:
AIA Guardian
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accident benefit & total disability benefit (claim after 6 months of immobility) = 1 million pesos (still alive)
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accidental death benefit = another 1 million pesos
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Total accident benefit: 1 million (minimum) up to 2 million pesos (maximum)
AIA All In One (AIO), AIO Plus, and Future Builder
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accident benefit = 1 million pesos (still alive)
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total disability benefit = 1 million pesos (claim after 6 months of immobility) (still alive)
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additional accident benefit due to: either acts of nature or riding a public vehicles = 1 million pesos
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Total accident benefit: 1 million (minimum) up to 4 million pesos (maximum).
So can you see? You benefit amount (including accident benefit & total disability benefit) can be equal to 4 million pesos! And take note, you're still alive but you can get a maximum of 4 million pesos benefit! You're all protected from different accidents.
What to inquire and even avail our comprehensive life insurance plan? Message me so I can discuss it with you. ๐ฉ
Bianca Ysabelle Seraspe
Licensed Financial Asvisor
AIA Philippines