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Pru Life UK Licensed Financial Advisor - Ma. Kathleen Cruz, 29 E. Oca Street Brgy. Nanhaya, Victoria (2026)

13/08/2024

𝐒𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠

Congrats future for taking a step towards your financial freedom.✨

A responsible mom who wants a bright future for her kid 👏

✅ Business Owner

Client Goals:
✅ Build Educational Plan for her daughter
✅ Build Retirement Plan
✅ Income protection

To my future thankyou for your support and trusting me🫶🏻 Hindi pa kita nagiging client nirefer mo na ako agad❤️

Ma. Kathleen Cruz
Licensed Financial Consultant | Pru Life UK

15/06/2024

𝗧𝗼 𝗮𝗹𝗹 𝗺𝘆 𝗳𝗮𝗰𝗲𝗯𝗼𝗼𝗸 𝗳𝗿𝗶𝗲𝗻𝗱𝘀, 𝗴𝗶𝘃𝗲 𝗺𝗲 𝗮 𝗺𝗼𝗺𝗲𝗻𝘁 𝘁𝗼 𝗲𝘅𝗽𝗹𝗮𝗶𝗻...

𝗬𝗲𝘀, 𝗻𝗮𝗴𝗯𝗲𝗯𝗲𝗻𝘁𝗮 𝗮𝗸𝗼.
𝗬𝗲𝘀, 𝗻𝗮𝗻𝗴𝘂𝗻𝗴𝘂𝗹𝗶𝘁 𝗮𝗸𝗼.
𝗣𝗲𝗿𝗼 𝘁𝗵𝗶𝘀 𝗸𝗶𝗻𝗱 𝗼𝗳 𝗖𝗛𝗔𝗧 𝗶𝘀 𝗺𝘆 𝗳𝘂𝗲𝗹.

As a Financial Advisor 👇
👉 I don't want you end up selling everything you have invested because you work hard for that;🥺

I don't want you begging from other people when you can't handle the expenses for a sickness you never see coming;

I don't want you blaming yourself for being a burden to your family during uncertain events you are not prepared for.

So at least give me a chance to make you understand your needs and priorities, and how we can create a plan that supports them.

Please do not wait to make late decisions and actions.🥺

Tara Usap Tayo 📩

CTTO

10/06/2024

Financial Mistakes By "You" 💸

Ever wonder why is it when your income increases, you don't feel it at all? Maybe because your lifestyle increases too. Let's talk about different financial mistakes made by different personalities.

06/06/2024

𝐒𝐦𝐚𝐫𝐭𝐲 𝐏𝐚𝐧𝐭𝐬?

Nope! Just being smart thru 𝗧𝗵𝗲 𝗣𝗼𝗰𝗸𝗲𝘁𝘀 𝗧𝗵𝗲𝗼𝗿𝘆 for the 2nd quarter of the year! The best gift to give yourself is to be 𝐰𝐚𝐢𝐬 with your savings! 💯 Maximize 'em 😉

𝗟𝗲𝗳𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 - 2,500 for Emergency Fund, Leisure, and Short term saving goals.

𝗥𝗶𝗴𝗵𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 - 2,500 for Life and Health Insurance, income protection, critical illness benefit, accident coverage, disability benefit, and investment.

Imagine, if you only have one pocket with 5,000 monthly savings, kapag nagkasakit ka ubos ang 5,000 and worse kulang pa.🥲

So be wais! 💯

24/05/2024

𝐏𝐚𝐫𝐚 𝐤𝐚𝐧𝐢𝐧𝐨 𝐛𝐚 𝐚𝐧𝐠 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

✅Para sa mga bata - As early as 15 days old pwede naten silang iinsure to have protection and future invesments.🧑‍🍼

✅Para sa sarili - You can take advantage of your health and time. Start investing on your future financial goals 🧡

✅Para sa pamilya - Show your love by protecting them from life uncertainties and future financial burdens 👨‍👩‍👧‍👦

✅Para sa minamahal - Family planning includes financial planning and it includes having insurance. 👩‍❤️‍👨

That’s why 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 is also called “𝐋𝐨𝐯𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞” ♥️

It will not just help us achieve our financial goals, but will also keep us and our family free from financial burdens when uncertainties come.

You might have some hesitations doing it for yourself, do it for your loved ones instead. 🙌🏻

Message me na! for a free consultation. Know your options and let’s customize your savings plan based on your needs and budget. 🥰

14/05/2024

Actually may point nmn, pero baka makatulong din sa'yo to😊

One of my prospects say this to me “May insurance naman ako sa current company ko eh.”

This is one of the reasons bakit hindi PRIORITY ng ibang employed ang kumuha ng personal protection plan.

But:
❌What if, si employee becomes critically ill and exceeded his HMO limit? Will the company cover their entire hospital bills?

❌What if, an illness or an accident prevents the employee from fulfilling his work? Will they still be able to keep his job?

❌What if, an employee resigns or got laid off? Are they still qualified for the company benefits?

❌What if, the company provided benefit is minimal coverage only? Will it be enough to cover the needs and secure their family’s future?

So paano ? 🤔

✅This is why we NEED to get our PERSONAL protection plan.

✅Because we will not be an employee forever. 💯

𝘾𝙝𝙤𝙤𝙨𝙚 𝙩𝙤 𝙗𝙚 𝙋𝙧𝙤𝙩𝙚𝙘𝙩𝙚𝙙 𝙖𝙣𝙙 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡𝙡𝙮 𝙋𝙧𝙚𝙥𝙖𝙧𝙚𝙙!

29/03/2024

𝗜𝘀𝗮 𝗸𝗮 𝗿𝗶𝗻 𝗯𝗮𝗻𝗴 𝗦𝗲𝗮𝗺𝗮𝗻? 𝗔𝗻𝗱𝗶𝘁𝗼 𝗸𝗮 𝗯𝗮 𝘀𝗮 𝗣𝗶𝗹𝗶𝗽𝗶𝗻𝗮𝘀 𝗻𝗴𝗮𝘆𝗼𝗻? 𝗶𝗳 𝘆𝗲𝘀! 𝗣𝘄𝗲𝗱𝗲 𝗺𝗼 𝗯𝗮𝘀𝗮𝗵𝗶𝗻 𝗶𝘁𝗼.

Kath, covered ba ako ng life insurance na meron kayo kay Pru, if ever may nangyare sa akin habang duty ako sa barko sa ibang bansa? 🛳

The answer is yes as long as we signed the contract noong andito ka sa Pilipinas! Covered parin ang ating mga makikisig na Marino, pero hinde lahat ng coverage na meron ang isang Marino ay maaring mag apply sa ibang Marino.

𝗛𝗮? 𝗕𝗮𝗸𝗶𝘁 𝗻𝗮𝗺𝗮𝗻 𝗴𝗮𝗻𝗼𝗼𝗻?

Ganito po kasi ang dahilan niyan, alam naman natin na ang mga Marino ay may ibat-ibang duties and different types of ships ang kanilang sinasakyan, meron jan. 𝗖𝗮𝗿𝗴𝗼 𝘃𝗲𝘀𝘀𝗲𝗹, 𝗢𝗶𝗹 𝘁𝗮𝗻𝗸𝗲𝗿, 𝗖𝗿𝘂𝗶𝘀𝗲 𝗦𝗵𝗶𝗽. At siyempre may tinatawag rin tayo na "𝗢𝗳𝗳𝗶𝗰𝗲𝗿" 𝗮𝗻𝗱 "𝗡𝗼𝗻-𝗢𝗳𝗳𝗶𝗰𝗲𝗿".

Sa Life Insurance plans may ibat ibang category rin tayo na sinusunod, if ito bang Marino na ito ang duties and obligation sa barko ay 𝗲𝘅𝗽𝗼𝘀𝗲 𝘀𝗮 𝗿𝗶𝘀𝗸. Or ang trabaho ba nito ay 𝗺𝗮𝗴 𝗺𝗮𝗻𝗮𝗴𝗲 𝗹𝗮𝗺𝗮𝗻𝗴 𝗻𝗴 𝗺𝗴𝗮 𝗖𝗮𝗱𝗲𝘁 𝘀𝗮 𝗯𝗮𝗿𝗸𝗼 𝗻𝗮 𝗸𝗮𝗻𝘆𝗮𝗻𝗴 𝘀𝗶𝗻𝗮𝘀𝗮𝗸𝘆𝗮𝗻.

𝗧𝗮𝗸𝗲 𝗻𝗼𝘁𝗲: Kapag ang isang Marino ay expose sa 𝗿𝗶𝘀𝗸 lalo na kung ito ay 𝗡𝗼𝗻-𝗼𝗳𝗳𝗶𝗰𝗲𝗿, ang life insurance coverage na makukuha niya ay "𝗥𝗔𝗧𝗘𝗗"

"𝗥𝗔𝗧𝗘𝗗" big sabihin hinde lahat ng protection plan maaring ibigay sa Marinong ito, maaring ang kanyang Life Isurance coverage na makuha ay may mababang protection lamang. Maaring ang mabawasan ang death benefit, at maari rin na may mga hospital coverages na mawala.

Ngunit kung ikaw ay isang "𝗢𝗳𝗳𝗶𝗰𝗲𝗿" ang Life Insurance na pwedeng mong simulan ay kung ano ang 𝘀𝘁𝗮𝗻𝗱𝗮𝗿𝗱 na binibigay ng isang Life Insurance company sa kanilang mga existing Insured Investor. 🤍

𝗠𝗮𝗵𝗮𝗯𝗮𝗻𝗴 𝘂𝘀𝗮𝗽𝗶𝗻 𝗶𝗳 𝗱𝗶𝘁𝗼 𝗻𝗮𝘁𝗶𝗻 𝗶𝘁𝗼 𝗽𝗮𝗴-𝘂𝘂𝘀𝗮𝗽𝗮𝗻, 𝗸𝗮𝘆𝗮 𝗸𝘂𝗻𝗴 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝗮𝗱𝗼 𝗸𝗮, 𝗮𝘁 𝗶𝘀𝗮 𝗸𝗮 𝗿𝗶𝗻𝗴 𝗠𝗮𝗿𝗶𝗻𝗼 𝗻𝗮 𝗸𝗮𝗹𝗮𝗹𝗮𝗽𝗮𝗴 𝗹𝗮𝗻𝗴 𝘀𝗮 𝗣𝗶𝗹𝗶𝗽𝗶𝗻𝗮𝘀. 𝗣𝘄𝗲𝗱𝗲 𝗺𝗼𝗻𝗴 𝗸𝗮𝘂𝘀𝗮𝗽𝗶𝗻 𝗮𝗻𝗴 𝗶𝘆𝗼𝗻𝗴 𝗸𝗮𝗶𝗯𝗶𝗴𝗮𝗻 𝗻𝗮 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗱𝘃𝗶𝘀𝗼𝗿 𝗻𝗮 𝗸𝗮-𝗴𝗮𝘆𝗮 𝗸𝗼 ❤🛳⛴🚢

𝗙𝗿𝗲𝗲 𝘁𝗼 𝗰𝗼𝗻𝘀𝘂𝗹𝘁 𝗽𝗹𝗮𝗻𝘀, 𝗳𝗼𝗹𝗹𝗼𝘄 𝗺𝗲 𝗳𝗼𝗿 𝗺𝗼𝗿𝗲 𝗶𝗻𝗳𝗼𝗿𝗺𝗮𝘁𝗶𝗼𝗻

19/03/2024

Why investing and being insured is important?💯

Una, my growing funds ka at the same time when something happens unexpectedly may naka allot ka insurance for you. Hindi mo magagalaw yung mga nainvest at save mo for your future and your family.

You can start small, but start wisely din🤗

07/02/2024

PRULove For Life: Limited pay. Affordable. Lifetime Coverage. Talk to a Pru Life UK Agent today🤗

24/01/2024

Happy Winsday ✨🫶

🎂

Bakit nga ba kailangan natin simulan ng mas maaga ang INSURANCE? Yun ay dahil habang tumatagal at every time na nadadagdagan ang edad natin, mas lumiliit ang benefits coverage ng ating plan.

Bakit?? Kasi the more we age mas nagiging sensitive at prone na sa mga sakit ang katawan natin, humihina na ang immune system, even our muscles and bones become weak. Our health is at risk and sickness and accident is unpredictable. And that's the reason why young people advise to have Insurance as early as possible. Kasi mababa pa ang premium na huhulugan nya, pero mas mataas ang makukuha nyang coverage hindi lang sa protection at maging sa investment din.

So what are you waiting for?
Are you wasting your time before it's too late?

I can help you to prepare your Financial security in the near future. For any inquiry, feel free to message me 🫶 😊

09/01/2024

Hindi importante kung maliit ang iyong income basta meron kang pinaghahandaan walang makakahadlang.

No need na palakihin muna ang finances bago magtanong sa Financial Advisor, ask first because you can avail life insurance even you are earning minimum. Kukurot lang tayo ng konti for your protection narin any moment na may hindi inaasahang emergency.
Know your priority first and budget dahil ito ang magiging basehan ng kukunin mong plan.
The plan will be tailored fit to you.

I am giving a free assessment so don't be shy to ask, if you want to start with your life insurance na you can private message me.☺️

make a plan, enjoy your life, invest in yourself 🌱🌱🌱

Pru Life UK Licensed Financial Advisor - Ma. Kathleen Cruz

13/08/2024

15/06/2024

10/06/2024

06/06/2024

24/05/2024

14/05/2024

29/03/2024

19/03/2024

07/02/2024

24/01/2024

09/01/2024

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