14/11/2025
๐๐๐๐๐ ๐๐ ๐๐๐๐๐?
Letโs break it down:
๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ ๐ฝ๐ฟ๐ฒ๐บ๐ถ๐๐บ - ito yung regular mong hulog para sa insurance plan mo. Pwedeng monthly, quarterly, or yearly, ikaw bahala.
๐ ๐ด๐ฎ ๐ฏ๐ฎ๐ด๐ฎ๐ ๐ป๐ฎ ๐ป๐ฎ๐ธ๐ฎ๐ธ๐ฎ๐ฎ๐ฝ๐ฒ๐ธ๐๐ผ ๐๐ฎ ๐ฝ๐ฟ๐ฒ๐บ๐ถ๐๐บ:
1. Age โ Mas bata, mas mura. Mas matanda, mas mataas ang risk kaya mas mataas din ang insurance charges.
2. Work โ May trabahong high-risk, may hindi insurable, at may mga โratedโ (rated means mas mahal premium pero mas limited coverage). Kung pasok naman sa standard ang trabaho mo, ibig sabihin pasok ka rin sa normal rate at coverage.
3. Coverage amount โ Mas malaki ang protection benefits na gusto mo, mas mataas din ang bayad.
4. Type at details ng benefits โ Mas complete o mas flexible (like multiple-use critical illness o complete hospitalization benefits), mas mataas ang premium.
5. Health condition โ Kung healthy ka, mas mababa ang chance na ma-deny at mas mura ang rate. Pero kung may existing illness o history ng sakit, mas mataas ang charges/premium at subject for approval pa ng company.
6. Type of insurance plan โ Iba-iba ang plans (VUL, Endowment, Term, etc.), at nakadepende sa type ng plan kung gaano kalaki ang premium.
So, magkano nga ba dapat ang premium mo? May mga bagay na hindi mo kontrolado (like age or work), pero meron ding nasa kamay mo.. gaya ng goals mo, reason mo for getting insured, at budget mo.
๐๐๐๐ฟ๐๐ ๐๐๐๐: ๐๐๐ฅ๐๐ฉ ๐ ๐๐ฎ๐ ๐ข๐ค๐ฃ๐ ๐-๐จ๐ช๐จ๐ฉ๐๐๐ฃ ๐ฎ๐ช๐ฃ๐ ๐ฅ๐ค๐ก๐๐๐ฎ ๐๐ฃ ๐ฉ๐๐ ๐ก๐ค๐ฃ๐ ๐ง๐ช๐ฃ. ๐ผ๐จ ๐ ๐๐ช๐๐๐, ๐ฅ๐ฌ๐๐๐๐ฃ๐ ๐๐ง๐ค๐ช๐ฃ๐ 10% ๐ฃ๐ ๐๐ฃ๐๐ค๐ข๐ ๐ข๐ค, ๐๐ ๐๐๐ง๐ฉ๐๐๐ฃ % ๐ฃ๐ ๐ฃ๐๐จ๐-๐จ๐๐ซ๐ ๐ข๐ค ๐ข๐ค๐ฃ๐ฉ๐๐ก๐ฎ ๐ฎ๐ช๐ฃ๐ ๐๐ฃ๐จ๐ช๐ง๐๐ฃ๐๐ ๐ฅ๐ง๐๐ข๐๐ช๐ข, ๐๐๐ฅ๐๐ฃ๐๐ ๐จ๐๐ฎ๐ค.
I offer free insurance planning for everyone. Alamin natin ang proper plan and premium na swak sa lifestyle, budget, needs, at priorities mo. (๐ท๐บ. ๐๐๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐๐, ๐๐ ๐๐๐๐๐๐๐๐๐๐ ๐๐ ๐๐๐๐ ๐๐ ๐๐๐ ๐
๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐, ๐๐ ๐๐๐ ๐๐๐๐ ๐๐๐๐ ๐๐ ๐๐๐๐๐ ๐๐๐๐๐๐๐-๐๐๐๐ ๐๐๐๐.)
At the end of the day, you donโt have to start big, kahit start small lang muna. Ang mahalaga, nasimulan mo na ๐๐ป