AXA ALBAY -FL ANA

15/12/2022

I love you anne

Kung parent ka na rin, alam ko makaka-relate ka 😍

"Every time I accept a project or I see a new insurance that has to do with education, or life, or health, I always think that I need it for Dahlia just so that I know she's secured for her future". - Anne Curtis

Hello, family and friends!

Plan ahead your kids education 🙂
And if di ka pa protected, get yourself a plan para di maapektuhan ang future ng kids mo pag may nangyari sayo.

15/12/2022

Financial Intelligence is a must. ❤

Even if you will be given instantly around 10 million cash, if you don't know how to handle it well, pwedeng mapunta lang din yan sa wala. Financial literacy is key! 🥰

13/12/2022

11/12/2022

VUL can ensure your children's education!!

Here's how:

If you passed away, your family will receive the claim proceeds and this can be set aside and used for your child's education.

If you remain safe and healthy, which we are praying for, you can continue working, saving and investing for your child's education and your investment can be used for your child's education.

If you are the payor, on your child is the insured, you may attached a waiver for the payor so that if the payor dies or becomes disabled, the life insurance company can waive all future premiums of the policy. This will ensure that your fund value will continue to grow.

If you are the insured, you may attached a disability and critical illness waiver so that if you become disabled or critically ill, the life insurance company can waive all future premiums of the policy. This will ensure that your fund value will continue to grow.

To know more, message us or your friendly financial advisor!

05/12/2022

Many people don’t realize that insurance only gets more expensive over time. This is also the reason why smart parents are getting their children insured when they are young. 🤫⠀⠀
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If your child does not have insurance, I suggest you spend time talking to your financial advisors to find out more about it! ✅

If you are a financial advisor who wants to learn Dr. Sanjay Tolani's 500 MDRT strategies on 9th December 2022, click on the LINK BELOW!👇

➡️ https://bit.ly/3OZ3xN5⠀
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02/12/2022

02/12/2022

Did you know that your life insurance policy can be used as a Mortgage Redemption Insurance?

Ano nga ba ang MRI o ang Mortgage Redemption Insurance?

Basically, this is your insurance to protect your properties na pinupundar mo pa lamang like lupa, bahay, etc. na kasulukuyan mo pang niloan at binabayaran sa bangko. The main use of MRI is that, if you are taken out of the picture or if you get disabled, your insurance can pay in full amount yung bahay or lupa na nakaloan sa bangko. 🥰🙏🏻

That way, hindi hahabulin ng bank yung family mo kung sakaling mawala ka or madisable ka. Hindi babawiin ng bangko yung property mo at hindi mapapaalis yung family mo. Hindi masasayang yung pinagpaguran mong ipundar for how many years. At lalong lalo na, your family can focus in grieving for your loss and in moving on to their lives and at the same time they can be able to sustain their standard of living. 👍🏻

Sobrang importante ng mga properties natin since most of them holds the memories we have with our family. Make sure we protect it and make sure maipasa natin sa family natin! ❤🙏🏻

02/12/2022

Life insurance is actually a product that basically protects a family which has lost either a breadwinner or a loved one. And the purpose of buying life insurance is quite simple. It’s about protecting income in case a person passes away.

So let’s say for example. Let’s look at a family - A husband, wife, two children where the husband is a breadwinner. If the husband passes away, the wife and the children need to still continue living their life. Now there are two things that will happen:

✅ Number one, they’ve lost a loved one.
✅ Number two, they’ve lost the income that that person was generating for the family.

Emotional Loss is very difficult to replace but it’s something that’ll take time to heal. However, if you additionally have a Financial Loss, when someone passes away, it takes a LONGER time to recover from that. And the simplest way to handle that is to buy Life Insurance.

When a person passes away, the family continues to get the income that that person would have otherwise generated for the family. So. Life insurance is a very simple product. It’s a contract between the insurance company and the person that if something happened to that person, the family would continue to get his or her income for the rest of their lives.

The second purpose of buying life insurance is to CANCEL LIABILITIES. So let’s say you have a liability like a mortgage. Now when a person passes away, the asset will either be taken over by the bank or the insurance company could cancel that mortgage payment. So the insurance company would pay off the liability and cancel it. So all liabilities can be protected by using life insurance in the event that someone passes away.

Although there are many types of insurance but there are TWO primary types: WHOLE LIFE and TERM. Life Insurance can be quite a complicated subject if you don’t spend time understanding it. It will be best if you can reach out to a financial advisor to understand how insurance can help protect you financially.

If you are a financial advisor who wants to learn Dr. Sanjay Tolani's 500 MDRT strategies on 9th December 2022, click on the LINK BELOW!👇

➡️ https://bit.ly/3GU7AIN (FREE 500 Seats for Financial Advisors only!)

26/11/2022

How To Spend Money When You Are In Your 20s – 40s? 🤔

I have a very simple structure to it. It is broken down into the 50/20/30 rule, which is:

📌NO MORE THAN 50% - of your earnings should be going towards your BASIC NEEDS. These are your essential expenses which are your rent, utility bills, groceries, etc.

📌NO MORE THAN 30% - is for the expenses you choose, to create comfort and enjoyment in your life.

📌AT LEAST 20% - should go towards a Financial Foundation. This mean, life insurance, emergency funds, retirement fund, child savings accounts, and any other form of UNTOUCHABLE long-term savings. This is because that money is for your future. It's your fallback money, money you never touch, till you reach an age where you cannot work anymore, and this is the money that you fall back on.

Once you start living with this rule where you force yourself to spend the 80% you will reach a point in life where you believe you WILL NOT be able to spend any more of it. And that's when your saving ratio will increase.

Remember, a penny saved is a penny earned! So budget yourself, do the mathematics, and start saving AT LEAST 20% of whatever you earn from now to have a better future. Or else you’re certainly heading for trouble or even worse, it’s sad to say that you’re already up the creek without a paddle…

Speak to a Financial Advisor today to know more about how you can put 20% of your savings towards a Financial Foundation smartly! 💯

If you are a financial advisor who wants to learn Dr. Sanjay Tolani's 500 MDRT strategies on 9th December 2022, click on the LINK BELOW!👇

➡️ https://bit.ly/3U71d7F (FREE 500 Seats for Financial Advisors only!)

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