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Romel Joshua Elic - Financial Consultant

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Romel Joshua Elic - Financial Consultant

The key to financial success is to have a clear vision and a plan to achieve it. Helping individuals achieve financial freedom.

11/09/2025

Start investing as early as possible. 🥰

11/09/2025

Get insured and.. stay insured! ✨️

Walang may gusto na magamit niya ang life insurance benefit niya tulad ng critical illness coverage, pero lahat gusto na kapag nagkasakit may pera silang magagamit.

11/09/2025

𝐅𝐀𝐐: 𝐀𝐍𝐎𝐍𝐆 𝐏𝐋𝐀𝐍 𝐀𝐍𝐆 𝐁𝐀𝐆𝐀𝐘 𝐏𝐀𝐑𝐀 𝐒𝐀𝐊𝐈𝐍?🤔

Great decision, client! 🙌🏻
Depende ’yan sa budget mo at goals mo sa buhay.
We have different plans na pwede mong pagpilian:

⭕️ 𝐅𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐏𝐥𝐚𝐧 – Ito ang pinaka-affordable naming VUL plan na nagbibigay ng mataas na insurance coverage! Ideal para sa mga breadwinners na gusto ng secured at worry-free na future!

💎 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞-𝐁𝐮𝐢𝐥𝐝𝐞𝐫 𝐏𝐥𝐚𝐧 – Malaking coverage plus mataas ang investment allocation. Pwedeng bayaran in just 5, 7, 10, or 15 years! Perfect kung long-term growth ang hanap mo.

🎓 𝐊𝐢𝐝𝐬 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐏𝐥𝐚𝐧 – Best-selling health protection with investment for your child. Pwede rin itong maging pang-education fund nila in the future!

Meron din kaming ibang investment options at traditional insurance policies.

Message mo lang ako and let’s find the perfect plan for you! ☺️

09/09/2025

Alam mo ba kapag earning ka 30k per month,
Ang recommended life insurance coverage mo ay 3.6 million.

If 50k naman, ang recommended ay 6M life insurance coverage.

Paano na-solve? Rule of thumb formula:

(𝙔𝙤𝙪𝙧 𝘼𝙣𝙣𝙪𝙖𝙡 𝙂𝙧𝙤𝙨𝙨 𝙄𝙣𝙘𝙤𝙢𝙚) 𝙭 (10 𝙮𝙚𝙖𝙧𝙨)

Bakit 10 years?

If something happens to you, secured na ang 10 years ng pamilya at mga anak mo. They can recover agad and continue their lifestyle.

If need mo ng ganyan kalaki na Life Insurance and you are healthy,
Tara Coffee tayo and lets talk about your benefits.

09/09/2025

RESERBA

Bakit nga ba may reserbang gulong ang mga sasakyan? 🤔

Isang dahilan ay para agad mapalitan ang gulong kapag na-flat. Kasi kung hindi, puwedeng madamay pa ang ibang parte ng sasakyan. More damage, more gastos. 🤷🏻‍♂️

At higit sa lahat, para makarating ka pa rin sa pupuntahan mo. Kasi kung wala kang reserba? Laking abala.

Sooo, parang insurance lang ‘yan…

Kapag dumating ang sakuna at hindi ka handa, abala, stress, at gastos ang kapalit.

Pero kung meron ka?
Hindi mo na iisipin ang gastos, may tutulong sa’yo kasi covered ka ng insurance.

At higit sa lahat, kung sakali mang mamaalam ka, may sigurado kang maiiwan para sa mga mahal mo sa buhay.

Makakapagpatuloy pa rin sila ng buhay. ♥️

And that’s how insurance works.

If you care for your family, listen to how insurance can help you and your loved ones.

Talk to me, and I’ll give you the best option you can have. 🤝🏻

09/09/2025

Getting a life insurance is something you need to decide for yourself.

Let's find out.

26/08/2025

Survey is brought to you by Financially Fat Social Weather Station.

26/08/2025

The classic “Bank versus VUL” comparison has been around for years, but I find it outdated, seriously. While it aims to show the value of a VUL, it often unintentionally creates the wrong impressions — like thinking that banks are kinda useless, or that a VUL is simply “like saving in a bank but with free insurance.” That’s not accurate.
And I believe, this is one of the reasons why a lot of people would conclude being “lugi” or “talo” with a VUL when the fund value is not equal or more than the total premiums paid.
Now, don’t get me wrong — I 100% agree with the main point: saving in the bank alone is never enough. Banks are great for liquidity, emergency funds, and short-term goals, but they don’t provide growth or protection against life’s risks. That’s where insurance and investments come in.
Another problem with the “Bank vs. VUL” approach is how we often use terms like “saving” or “depositing” in a VUL — which, crazy enough, was even suggested to me by some “MulTi-awaRded inDividuals” to help me, according to them, “close more cases easier and faster”. 🤮 You see, these terms can mislead people into thinking that whatever amount they put in a VUL policy is the exact amount they can later pull out — like how a bank savings account work. But that’s not the case, of course. A portion of the premium goes to charges, which gradually increase as the insured ages. Only the remainder is invested, which forms the withdrawable fund value. Downplaying this part risks making clients believe that the insurance coverages are “free,” when in fact, it comes with real costs.
That’s why I prefer to explain banks and VULs based on their true purposes. Banks provide safety and accessibility; VULs offer long-term protection and growth potential. When clients understand these roles clearly, they can use both effectively—without falling into the trap of false comparisons or unrealistic expectations.
Aside from such comparison, using analogies can help explain insurance, yes, but the safer and more ethical way is to present it as it is, with clarity—that it comes with costs and payables. Insurance is not free, and it shouldn’t be sold as if it is. Being upfront about the commitment avoids false expectations and builds trust. So instead of downplaying the cost, let’s emphasize and hype the value behind it, like what an “INSURANCE ADVISER” should be doing.
Paying for insurance is not just an expense; it’s a choice to prioritize security and peace of mind over uncertainty.
I’M NOT SAYING STOP USING THIS, BUT USE IT WITH CAUTION AND WITH THE NEEDED DISCLAIMER.
Okay? Thanks for reading, Ka-Taba! 😊
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18/08/2025

The best part about talking to a financial professional? They can find the coverage you need at a price you can afford.

18/08/2025

Insured ka na ba?

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Romel Joshua Elic - Financial Consultant

11/09/2025

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