Joana & Richard Alonzo - Insurance Advisers

28/10/2026

🇳🇿 NAWALAN NG TRABAHO? PAANO MO MAMA-MAINTAIN ANG INSURANCE MO? 🛡️

Kapag nawalan ng trabaho, normal lang na maghanap ng paraan para mabawasan ang monthly expenses. Pero bago mo isipin na i-cancel ang insurance mo, alamin muna ang options mo!

💡 5 WAYS TO KEEP YOUR INSURANCE AFFORDABLE:

✅ 1. Review Your Insurance Cover
Baka may benefits na puwedeng i-adjust para bumaba ang premium habang naghahanap ka ng bagong trabaho.

✅ 2. Reduce Your Cover Instead of Cancelling
Puwedeng bawasan ang sum insured para mas affordable, habang may natitirang protection para sa pamilya mo.

✅ 3. Ask About Financial Hardship Assistance
Some insurance companies may offer temporary premium relief or payment arrangements, depending on your policy.

✅ 4. Check Your Payment Options
Ask your insurer kung may alternative payment frequency or arrangement na mas manageable sa budget mo.

✅ 5. Talk to Your Financial Adviser
Your adviser can help you prioritise essential benefits and explore ways to maintain your protection without putting too much pressure on your finances.

❤️ BAKIT IMPORTANTENG HUWAG BASTA MAG-CANCEL?

Kapag kinancel mo ang insurance mo at nagkaroon ka ng health condition, maaaring mas mahal na ang premium, may exclusions, o hindi ka na eligible kapag nag-apply ka ulit.

Remember: Temporary lang maaaring ang unemployment, pero ang pagkawala ng insurance protection ay puwedeng permanent.

📩 Before you cancel, let's review your options first!

Insurance adjustments, premium relief, and payment arrangements are subject to insurer approval and policy terms. Reducing cover also reduces your protection.

27/10/2026

17/09/2026

💰 KiwiSaver: Alam mo ba kung anong fund type ka?

Hindi enough na may KiwiSaver ka lang — important din na malaman kung saan naka-invest ang KiwiSaver money mo.

Different fund types have different levels of risk and potential return:

🟢 Defensive Fund
Usually has more cash and fixed-interest investments. Lower risk, but generally lower potential for long-term growth.

🔵 Conservative Fund
More focused on stability, with a smaller portion invested in growth assets like shares.

🟡 Balanced Fund
A mix of growth and defensive investments. Designed to balance potential growth with some stability.

🟠 Growth Fund
More money is invested in growth assets such as shares and property. Higher ups and downs, but greater potential for long-term growth.

🔴 Aggressive Fund
Usually has the highest exposure to growth assets. It can experience bigger market movements and is generally intended for investors with a longer investment timeframe who are comfortable with higher risk.

💡 So, which one is right for you?

Hindi automatic na Growth or Aggressive ang “best,” at hindi rin automatic na Conservative ang “safe choice.” Your appropriate fund type depends on things like:

✔️ Your investment timeframe
✔️ When you expect to use your KiwiSaver
✔️ Your comfort with market ups and downs
✔️ Your financial goals and circumstances

📌 Remember: KiwiSaver is an investment. The value can go up and down, and past performance doesn't guarantee future returns.

Maybe it’s time to ask yourself:

“Alam ko ba kung anong KiwiSaver fund type ko — at bagay pa ba ito sa goals ko?”

A regular KiwiSaver review can help you understand whether your current fund still matches your situation.

This is general information only and is not personalised financial advice.

05/09/2026

“May insurance naman ako sa work, so okay na ako.

Yes, having insurance through your employer is definitely a benefit — pero importanteng malaman kung hanggang saan ang protection mo.

Many workplace insurance benefits are connected to your employment. So magandang itanong:

👉 Magkano talaga ang Life Cover ko?
👉 May Trauma/Critical Illness Cover ba?
👉 May Income Protection or Disability benefit ba?
👉 Covered ba ang family ko or employee lang?
👉 Most importantly — **what happens to my insurance kapag umalis ako sa company, nag-change career, na-redundant, or hindi na ako eligible?

Remember, your job can change several times throughout your working life.

Your family responsibilities? They can continue for decades. ❤️

Employer insurance can be a great additional layer of protection, but don't automatically assume na enough na siya for your mortgage, debts, income, kids, and long-term family needs.

Know what you have. Know the limitations. And check kung may protection gap.

Insurance through work is a benefit.
Personal insurance is protection that you control.

Before getting additional cover, review what you already have first — baka covered ka na, baka may gap, or baka kailangan lang i-adjust ang protection mo.

29/08/2026

💡 NAGKAROON KA NA BA NG MALUBHANG SAKIT AT INIISIP MONG HINDI KA NA PWEDE KUMUHA NG LIFE INSURANCE?

Maraming ang hindi na nagta-try kumuha ng Life Cover dahil:

❌ Nagkaroon na ng malubhang sakit
❌ May pre-existing medical condition
❌ Na-decline na dati sa insurance
❌ Iniisip na baka hindi na pumasa dahil sa health history

Did you know? You may still have a Life Cover option.

May Life Cover na may guaranteed acceptance for eligible NZ residents aged 18–65, with no medical tests or health questions required, at maaaring kumuha ng cover from $50,000 up to $300,000.

❤️ Bakit importante ang Life Cover?

If something happens to you, Life Cover can provide a lump-sum payment to help financially protect the family you leave behind. It can also pay the full benefit if you're diagnosed with a qualifying terminal illness.

⚠️ Pero paano kung mamatay within the first 24 months?

Importanteng maintindihan ito.

👉Accidental death — covered, subject to policy terms and exclusions.

👉 New medical condition na nagsimula after your policy started — covered.

👉 Pre-existing medical condition — if the death or terminal illness is caused by a condition you already had before the policy started, the benefit will not be paid within the first 24 months.

After 24 months, full cover applies to both new and pre-existing medical conditions, unless may specific permanent exclusion.

So kung nagkaroon ka na ng malubhang sakit, huwag agad isipin na hindi ka na pwedeng magkaroon ng Life Cover.

You may still have an option to protect the people you love. ❤️

📩Message us and let’s check kung anong Life Cover option ang maaaring available para sa’yo.

Terms, conditions and exclusions apply. General information only and not personalised financial advice.

21/08/2026

💰 **Magkano ba dapat ang KiwiSaver contribution mo?**

Simple answer: **contribute kung magkano ang comfortable sa budget mo — pero make sure na hindi mo nami-miss ang benefits ng KiwiSaver.**

For employees, you can choose from different contribution rates such as **3%, 4%, 6%, 8%, or 10% of your salary/wages.**

✅ **Start with what you can afford.** Huwag pilitin kung magiging tight ang weekly budget.

✅ **Try to contribute enough to maximise the annual Government Contribution**, if eligible ka.

✅ **Pag tumaas ang income mo, consider increasing your contribution.** Kahit maliit na increase ngayon, puwedeng magkaroon ng malaking difference over the long term.

📈 Remember, **KiwiSaver is a long-term investment.** The earlier you start and the more consistent you are, the more time your money has to potentially grow.

**Hindi kailangan pinakamataas agad — ang importante, may contribution ka today para sa future mo.** 🇳🇿💰

*General information only. KiwiSaver is an investment and returns are not guaranteed.*

13/08/2026

💡 **BAKIT IMPORTANT ANG SECOND POLICY OWNER?**

Usually kapag insurance ang pinag-uusapan, ang focus natin ay:

**“Magkano ang cover ko?”**

Pero may isa pang importanteng tanong:

👉 **“Sino ang owner ng policy?”**

Ang **second policy owner**—usually asawa or partner—can be very important kapag may unexpected na mangyari.

💰 **One important reason:**
Depending on how the policy is structured and the insurer's rules, **if the insured/first policy owner passes away, the surviving second policy owner can generally receive the Life Cover proceeds directly as the remaining policy owner**, rather than the payment having to go through the deceased person's estate.

This can make a big difference for the family—especially when the money is needed for the **mortgage, bills, funeral costs, and everyday living expenses.**

Simple way to remember:

🛡️ **Life Assured / Insured Person** = Siya ang covered ng insurance.
✍️ **Policy Owner** = Siya ang may control sa policy at generally kung kanino payable ang benefit.

⚠️ **But remember:** Hindi automatic na joint ownership is the best setup for everyone. The right ownership structure depends on your circumstances and the insurer's policy terms.

**Insurance is not just about HOW MUCH cover you have.
It’s also about WHO receives it and HOW your policy is structured.**

📩 **Alam mo ba kung sino ang policy owner ng Life Insurance mo?**

If hindi ka sure, message us. Let's review your policy ownership and make sure your cover is structured the way you intended for your family. ❤️

13/08/2026

Importance of having a second policy owner