Joana & Richard Alonzo - Insurance Advisers

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

22/07/2026

25/06/2026

🏡 Gusto Mo Magka-First Home? Start with KiwiSaver!

"Akala mo kailangan milyon ang ipon para makabili ng bahay? Hindi palagi!"

Maraming first-home buyers sa New Zealand ang nagagamit ang **KiwiSaver** para makatulong sa kanilang **house deposit**.

✅ Kung eligible ka, pwede mong i-withdraw ang karamihan ng iyong KiwiSaver savings para sa first home purchase.

Pero tandaan:
✔️ Hindi lahat ng laman ng KiwiSaver ay puwedeng i-withdraw (may minimum amount na kailangang maiwan sa account).
✔️ May eligibility requirements bago ma-approve ang withdrawal.
✔️ Ang KiwiSaver ay isa lang sa mga pwedeng makatulong—kailangan mo pa ring siguraduhin na kaya mong bayaran ang home loan.

💡 **Bonus Tip:**
Kung sa huli ay mag-decide kang **hindi na bumili ng bahay sa New Zealand** at permanent ka nang lilipat sa ibang bansa (at eligible ka under the rules), maaaring may pagkakataon na ma-withdraw mo ang iyong KiwiSaver savings. May mga requirements at exceptions depende sa sitwasyon mo.

🏠 Ang pinakamagandang strategy ay **magplano nang maaga** para mas handa ka pagdating ng tamang panahon.

📩 **Curious kung qualified ka o gusto mong malaman kung magkano na ang pwede mong gamitin sa first home?** Send us a message. Happy to explain your options!

19/06/2026

DOES INSURANCE REALLY WORK? 🤔

The short answer is YES — when the right cover is in place.

Recently, one of our clients received a Trauma Insurance payout, and only a few months later qualified for a Life Insurance Terminal Illness Benefit after their health condition significantly worsened.

💙 The insurance payout helped provide:
✅ Financial support during a difficult time
✅ Funds for treatment and everyday expenses
✅ Peace of mind for the family
✅ The ability to focus on health rather than money

Many people think insurance is only something you pay for and never use. The reality is that insurance is there for the moments you hope never happen.

No one expects to suffer a major illness, but when life takes an unexpected turn, having the right cover can make a significant difference.

Every claim is assessed based on the policy terms and medical evidence, but this is a real example of how insurance can provide support when it matters most.

📞 If you're unsure whether your current cover is enough, or you would like a review of your insurance, feel free to reach out to the team at Peak Financial Services.

Insurance isn't about expecting the worst. It's about being prepared for the unexpected.