Financial Consultant, PRU Life UK - Quina Cristino

13/10/2025

I often get this question:

“𝙌𝙪𝙞𝙣𝙖, 𝙢𝙖𝙮 𝙃𝙈𝙊 𝙙𝙞𝙣 𝙥𝙤 𝙗𝙖 𝙠𝙖𝙨𝙖𝙢𝙖 𝙨𝙖 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚?”🤔

Here’s a quick and simple answer 💡

💳 𝐇𝐌𝐎 — covers your 𝗶𝗺𝗺𝗲𝗱𝗶𝗮𝘁𝗲 𝗵𝗲𝗮𝗹𝘁𝗵𝗰𝗮𝗿𝗲 𝗻𝗲𝗲𝗱𝘀, like check-ups, lab tests, or hospital confinement (usually in accredited hospitals).
It’s great for 𝘀𝗵𝗼𝗿𝘁-𝘁𝗲𝗿𝗺 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 and helps you with 𝘮𝘦𝘥𝘪𝘤𝘢𝘭 𝘦𝘹𝘱𝘦𝘯𝘴𝘦𝘴 𝘳𝘪𝘨𝘩𝘵 𝘢𝘸𝘢𝘺.

💰 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 — provides 𝗹𝗼𝗻𝗴-𝘁𝗲𝗿𝗺 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻 for you and your loved ones.
It gives a 𝗰𝗮𝘀𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 in case of life’s uncertainties, and depending on your plan, you can even add 𝗵𝗲𝗮𝗹𝘁𝗵 𝗼𝗿 𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹𝗶𝘇𝗮𝘁𝗶𝗼𝗻 𝗿𝗶𝗱𝗲𝗿𝘀 for extra coverage.

✨ 𝗜𝗻 𝘀𝗵𝗼𝗿𝘁:
HMO = 𝘈𝘤𝘤𝘦𝘴𝘴 𝘵𝘰 𝘩𝘦𝘢𝘭𝘵𝘩𝘤𝘢𝘳𝘦 𝘵𝘰𝘥𝘢𝘺
Life Insurance = 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘴𝘦𝘤𝘶𝘳𝘪𝘵𝘺 𝘧𝘰𝘳 𝘵𝘰𝘮𝘰𝘳𝘳𝘰𝘸 (𝘸𝘪𝘵𝘩 𝘰𝘱𝘵𝘪𝘰𝘯𝘢𝘭 𝘩𝘦𝘢𝘭𝘵𝘩 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦 𝘵𝘰𝘰!)

𝗕𝗼𝘁𝗵 𝗮𝗿𝗲 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁 — but when you have both, you’re fully protected. ❤️

If you want to know how to combine the two (so you’re covered in all aspects), send me a message! 💌

Let’s make sure you and your family are protected, the PRU Life way. 💖

18/09/2025

♥️ 𝟐𝟎𝟐𝟒 𝐂𝐥𝐚𝐢𝐦𝐬 𝐑𝐞𝐩𝐨𝐫𝐭: 𝐀 𝐏𝐫𝐨𝐦𝐢𝐬𝐞 𝐨𝐟 𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 ♥️

Behind every number in our 2024 Claims Report is a story, of a 𝘧𝘢𝘮𝘪𝘭𝘺 𝘴𝘢𝘧𝘦𝘨𝘶𝘢𝘳𝘥𝘦𝘥, 𝘢 𝘱𝘢𝘳𝘦𝘯𝘵 𝘨𝘪𝘷𝘦𝘯 𝘢 𝘧𝘪𝘨𝘩𝘵𝘪𝘯𝘨 𝘤𝘩𝘢𝘯𝘤𝘦, 𝘰𝘳 𝘢 𝘭𝘰𝘷𝘦𝘥 𝘰𝘯𝘦 𝘸𝘩𝘰 𝘥𝘪𝘥𝘯’𝘵 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘸𝘰𝘳𝘳𝘺 𝘢𝘣𝘰𝘶𝘵 𝘩𝘰𝘴𝘱𝘪𝘵𝘢𝘭 𝘣𝘪𝘭𝘭𝘴 𝘥𝘶𝘳𝘪𝘯𝘨 𝘵𝘩𝘦 𝘩𝘢𝘳𝘥𝘦𝘴𝘵 𝘵𝘪𝘮𝘦𝘴.

In 2024 alone, Pru Life UK approved:
🫂 𝟏𝟏,𝟏𝟒𝟕 𝐜𝐥𝐚𝐢𝐦𝐬
🫂 ₱𝟐.𝟑𝟎 𝐁𝐈𝐋𝐋𝐈𝐎𝐍 𝐢𝐧 𝐜𝐥𝐚𝐢𝐦𝐬 𝐩𝐚𝐲𝐦𝐞𝐧𝐭𝐬

These aren’t just figures—they represent lives supported, dreams preserved, and futures secured. 🫶🏻

𝗧𝗵𝗲 𝗿𝗲𝗮𝗹𝗶𝘁𝘆 𝗶𝘀:
- Illnesses like cancer, stroke, and heart attack can strike when we least expect them.
- Accidents and hospitalizations come uninvited.
- And in moments of loss, financial protection eases the burden for families left behind.

Because when uncertainty happens, one thing remains certain—being 𝐏𝐑𝐔𝐭𝐞𝐜𝐭𝐞𝐝 means you’re never alone.

𝙊𝙪𝙧 𝙧𝙚𝙖𝙨𝙤𝙣 𝙞𝙨 𝙮𝙤𝙪.♥️

👉 Don’t wait for life’s what-ifs. Secure your peace of mind today, and let’s build the protection you and your loved ones deserve.

25/07/2025

This is a sample Single-Pay Plan or One-Time Placement Portfolio with a Guaranteed 4% Annual Payout. Tax-Free ✅

Client Profile: 40-year-old Entrepreneur

Benefits:
1. 125% Life Insurance Coverage
2. Guaranteed 4% Annual Payouts
3. 100% Cashback after 7 years — Tax-Free 💯
4. An excellent alternative for growing your money
5. Ideal for Wealth Preservation, Accumulation, and Protection

📊 See illustrations below.
📩 Let me know if you’d like a customized proposal!


Ctto: UM Joms Sumampong

24/07/2025

Alam niyo ba na inaward ang Guiness World Record as the Highest Sum Assured in Asia sa HSBC Life?

$250M Coverage lang naman or 15 Billion pesos na coverage. Rich people want insurance. Para pasa pasa na lang sa next generation ung yaman.

14/07/2025

Guaranteed Lifetime Payout of 30k/year til age 100
5 YEARS TO PAY ONLY!
Message Me!

02/07/2025

02/07/2025

Join us for a powerful and eye-opening session with renowned Rheumatologist Dr. Ging Zamora MD, FPCP, FPRA as she breaks down the facts and myths about autoimmune diseases—and how they affect your health, lifestyle, and more.

Limited slots only so register now for FREE at pru.ph/PLUK-Autoimmune101

02/07/2025

𝐁𝐀𝐂𝐊 𝐓𝐎 𝐒𝐂𝐇𝐎𝐎𝐋

To all parents out there, ngayon palang pwedeng pwede nyo na i-start ang investment for baby with a component of life insurance 🫶🏻

We all dream of giving a high quality education to our kids.

It’s never too early or late to start planning!

Let me help you start securing your child’s education. ☺️

30/05/2025

𝐏𝐎𝐋𝐈𝐂𝐘 𝐀𝐏𝐏𝐑𝐎𝐕𝐄𝐃!

A 48yo Mother of my Businessman client is our Newly Insured Investor with our best selling protection and investment product — Elite Plan 🤩

Client has a pre-existing condition of Hypertension and Tupe 2 Diabetes. After series of tests and laboratories client was given a rated insurance coverage.

25yo Businessman Client: “𝙋𝙧𝙞𝙤𝙧𝙞𝙩𝙮 𝙠𝙤 𝙢𝙖-𝙞𝙣𝙨𝙪𝙧𝙚 𝙨𝙞𝙡𝙖. 𝙇𝙚𝙩’𝙨 𝙥𝙪𝙨𝙝 𝙨𝙖 𝙧𝙖𝙩𝙞𝙣𝙜𝙨 𝙞𝙛 𝙩𝙝𝙖𝙩 𝙞𝙨 𝙬𝙝𝙖𝙩 𝙞𝙨 𝙜𝙞𝙫𝙚𝙣 𝙩𝙤 𝙝𝙚𝙧.”🥹

A responsible and caring son, indeed! 🥰 Next to insure naman ay si bunso 😍🫶🏻

Congratulations for starting your policy in the Number 1 Insurance company in the Philippines!

Thank you for choosing me and trusting me as your Lifetime Family Insurance Advisor! So happy to assist you! 🥰

Looking for a trusted family insurance advisor?
Feel free to message me. 🤗💌

15/05/2025

𝗗𝗜𝗗 𝗬𝗢𝗨 𝗞𝗡𝗢𝗪 𝗧𝗛𝗔𝗧 𝗬𝗢𝗨 𝗖𝗔𝗡 𝗨𝗦𝗘 𝗬𝗢𝗨𝗥 𝗩𝗨𝗟 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗟𝗔𝗡 𝗙𝗢𝗥 𝗠𝗥𝗜?

YES! You read it right. 🧐

You can use your Life Insurance to apply for Bank Loans.

Ano nga ba ang MRI at gamit nito?

MRI stands for Mortgage Redemption Insurance. It is a form of insurance, the benefits of which, when payable, is used to pay the outstanding home loan of the insured.

Having a mortgage loan insurance is typically required by banks when granting home loans. In case of death of the borrower, having an MRI avoids foreclosure of the mortgaged property at a time when financial support is needed most.

Any life insurance benefits in excess of the outstanding loan will be payable to the borrower’s beneficiaries.

For example, ng apply si Issa ng VUL Insurance worth 5 Million since required it for her bank loan dahil nag purchase sya ng worth 3 Million na house and lot.

Just in case may mangyari man masama sakanya at kunin na sya ni Lord, hindi masasayang ang pinaghirapan nya dahil ang insurance nya na ang mag babayad sa natitira nya pang balance sa bangko para sa houseband lot unit na kinuha nya at kung ano man ang matitira pa ay mapupunta naman ito sa pamilya nya (beneficiaries).

If matapos nya yung home loan nya and still alive pa si Issa, yung kinita ng Investment nya from her Insurance can be still use for any purpose she likes, not to mention pa the health benefits na meron sya on her policy.

Do you want to know more?
Halika usap tayo 🙂 Send me a message 📩