Ronald Castillo, Financial Advisor , AXA Philippines

10/07/2020

Another life secured!
How about you?

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24/03/2020

21/03/2020

17/03/2020

To all our Beloved AXA clients 💓
This is our good news for you ☺️


Thank you AXA 💙

14/03/2020

To all my AXA clients,

So the market went crashing in the past few weeks. This has been a cause of concern to many along with the COVID-19 pandemic. So "what are its implications to our respective insurance/investment plans?"

1. For those with investments (Asset Master and AmbitionX) hold on to your investments. Our economy is geared to outlast this because our fundamentals are stronger than ever. Do not withdraw... Hold on to your funds... I also DON'T advice switching funds at this moment. Top up is okay if you have excess funds as fund prices are really low in both local and international indices and to rebalance the Portfolio.

2. For those with regular-pay VUL programs (Lifebasix, Axelerator, Retire Smart) your policy has a guaranteed amount whatever happens. Your Hospitalization and critical illness (if there's any), and death benefits are all guaranteed. Re the investment portion, now is a good time for additional top- ups to continue building up your fund value. And again, do not withdraw and do not switch funds.

3. For those with traditional plans (Assure, Healthmax, Health Start, Flexiprotect), don't mind the stock crash, your benefits are guaranteed.

4. For those Global Health Access (GHA) HMO (No limit and whichever hospital and doctor) and with Healthmax and Critical Illness Riders, we got your hospitalizations covered. We got your back.

5. For those who haven't started investing yet, consider this a great opportunity to start.

If you have any questions, please feel free to message me.

In times like this, (community quarantine, forced leaves, distant contact and such) your emergency fund is your first line of defense, make sure you have one.

Thank you.

13/03/2020

What is a Paper Profit (Paper Loss)?
A paper profit or loss is an unrealized capital gain (or capital loss) in an investment. For a purchased long investment, it is the difference between the current price and the purchase price.

For a sold or short investment, it is the difference between the price when sold short and the current price. Paper profits or losses only become realized, or actual money profits or losses, when the investment position is closed.

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To all my clients and co investors direct or indirect, VULs or through Financial Flatforms, It may be too cliche sounding, but we all know that in crisis like this is an opportunity for us to gain more. Do not panic and let your investments rest to not realize the paperloss. THIS IS THE BEST TIME to do top ups and get another investments. Red boards and down ward trails are inevitable during these times, it is not just your investment but the whole global economy due to crisis that is causing it.

For your concerns and further needs please do not hesitate to contact me. Be safe!

02/03/2020

(This public post was given permission by Mommy Lillian)

2 years ago, one of our client passed away from a landslide accident. The client was paying 2K monthly for 10 months before the unfortunate incident.
The client is a 22 year old bread winner with young siblings. After processing the claim requirements, AXA handed a check with a substantial amount to the family. We were having mixed emotions that time. A young life lost na walang may kagustuhan na mangyari.

Now, Mommy Lillian, asked us to share the importance of being covered to her friend . She contacted her advisor Melinda Bernardez and requested for an appointment for a Financial Needs Analysis. Eventually, her friend fully understood the significance and signed a policy for herself.

"Life Insurance is like a parachute. If you don't Have it the first time you need it, there is no second chance."

(c) Icang Quinto

28/02/2020

I'm sick of Financial Advisors scaring and guilt tripping people into buying life insurance.

"May kakilala ako na di ako pinansin dati tapos ngayon may cancer na"

"Wala ka pa rin insurance? Ingat!" *insert John Loyd Cruz meme*

They're not wrong. Not having insurance can have dire effects. But they're not helpful either.

Although I can't blame those Financial Advisors, once in my career I tried that "marketing strategy" too. But one statement from a friend who is not a Financial Advisor changed my whole perspective about life insurance.

"Nung nakuha ko yung una kong insurance, parang nabawasan yung takot ko."

"Nabawasan yung takot?", I thought to myself. What does that even mean?

Then I tried as hard as I can to look back to the time I got my first insurance plan when I was just 21 years old.

He was right. Nabawasan yung takot ko sa pagtawid ng pedestrian lane. Nabawasan yung takot ko sa mga rides involving height (I have fear of heights, malala). Nabawasan ba yung takot ko mamatay?

Not really just that. Nabawasan yung takot ko sa mga bagay na nakapaligid sa akin.

If you do a 5-minute scroll through your Facebook feed, what will you see? There is a viral outbreak, impending wars, ongoing wars, burning forests, crashing markets, and things that are volatile, uncertain, complex, and ambiguous, or VUCA, as told by Warren Bennis in 1987.

Warren Bennis was right in 1987 but we didn't care that much. We didn't know what was happening in the opposite side of the planet. But now we do because of social media. The VUCA world has amplified effects on our perspectives.

Does life insurance have to do anything with this?

Life insurance gives policy owners certainty in the midst of the world's uncertainties.

What are the things most frequently mentioned in the news today? Just three things; health threats, life threats, and economic/financial market threats.

Guess what? These are also the three main things covered by an insurance plan. An insurance plan gives its policy owner financial coverage on health threats, death, and market crashes especially for plans with guaranteed cash values.

Also, here's an excerpt from a study by California State University in 2017:

"... But they also found that those who had no health care coverage scored 16 percentage points lower on life satisfaction than those with health coverage—a significant difference in happiness."

Just being covered, without having claimed benefits yet, already has a positive effect on a person's happiness.

Are these all just coincidence? I personally don't think so.

Many argue that insurance is the FIRST EVER formal concept in finance and economics. Some even say it's a pillar where finance and economics are built upon.

Since the beginning, we humans have been looking for a way to create some form of certainty in a very uncertain world.

So do I think that insurance is an escape? That's what I thought at first.

But I now think that insurance is one of the ways to REALLY take on the adventure that is called life.

21/02/2020

Usually, ang laging rason natin, mura lang naman yan....pero ang di natin namamalayan, yung pa konti konting gastos eh malaking tulong na sana para sa tamang savings and investments na syang makakatulong pagdatingng matinding pangangailangan....gusto mong pag usapan natin? Or wag na at humingi ka nlng ng tulong sa PCSO, PAGCOR, GOV at iba..

Your CALL!!!

08/02/2020

AXA’s HEALTHMAX is the best health insurance product in the market today for as low as P75/DAY!

- Health Max guarantees medical coverage until age 100
- Health Max has a comprehensive list of covered major conditions including the most common and top diseases such as heart attack, stroke, and cancer as well as minor conditions, excluded by other health plans, such as early form of cancer, and angioplasty.
- Depending on your current situation, choose the amount of coverage you need. You can start with P1 million or opt for the maximum coverage of P10 million to fund substantial costs of treatment and procedures.
- Advance Health Fund - You have the option to withdraw a portion from your health coverage

Your HEALTH is your most important asset. Now you can stop worrying about your medical bills because AXA got you covered!

Message us now!