22/11/2025
KNOWING YOUR NEED IS VERY IMPORTANT. Client should know their needs or priority before having your insurance.
This are the few TIPS and INFORMATION how to identify your needs and with the HELP of our TEAM we can help you decide.
🔵 LIFE INSURANCE = protects your family
🟢 HEALTH INSURANCE = protects you from medical bills
🟦 BASIC PRODUCTS OF LIFE INSURANCE
1. Term Life Insurance
Pure protection
Coverage for a fixed period (1, 5, 10, 20 years)
Cheapest way to get high coverage
Best for: parents, breadwinners, people with budget limits
2. Whole Life Insurance
Lifetime coverage
Builds cash value over time
More expensive but long-term
Best for: long-term security, estate planning
3. Endowment Insurance
Protection + savings
Pays out after a specific term or if the insured dies
Best for: education fund, medium-term goals
4. VUL (Variable Universal Life)
Life insurance + investment fund
Flexible premium
Value grows depending on fund performance
Best for: people who want protection + growth
5. Term with Riders
Extra benefits added to basic life insurance:
Accidental Death Benefit
Waiver of Premium
Critical Illness Rider
Disability Rider
Best for: customizing protection
to know more we can help you!!
Connect with us!!
Jason Delos Santos
Licensed Financial Advisor
09757203298