Arvin Elnar - Insurance Advisor

01/02/2022

Hay nako, kamo gyud girls 🤦‍♂️

Dagdag pogi points pala! ❤

Half Insurance, Half Investments. 🧟‍♂️

13/01/2022

Aguy, tara badi usap tayo.

Wag kang matakot :)

08/12/2021

08/12/2021

Be patient and nurture your investments, and it will surely grow. Dm me now to book an appointment 😉

05/07/2021

1.2 million health insurance coverage plus other lami na benefits, for a 25 year old male for only:

20,580 annual premium
10,701 semi-annual premium
5,556 quarterly premium
1,955 monthly premium

📩📩📩

19/03/2021

Why insure yourself?

Insurance is a way we can transfer risks to an institution that will cover some if not all your expenses when the inevitable happens to the insured.

What are the usual expenses when the insured dies.
1. Burial costs
2. Cost of living for the family: recommended 2 years worth of income replacement.
3. Estate tax

Expenses when the insured acquires a critical illness.
1. Hospital expenses
2. Maintenance expenses
Expenses will differ depending on the illness

Life is a constant battle and In every battle, always come prepared.

Here at AXA we sustain families, businesses, estates by insuring the lives of people. Making sure that what is left behind is always protected and secure.

03/03/2021

What is an emergency fund?
Emergency fund is a type of savings you need to set aside and it should be used only on emergencies and unplanned events.
This fund is used up in the case where you get into an accident and you need urgent money, or used to sustain you when you get laid-off from a job because of circumstances you cannot control (ex. Pandemic).

How do I save up for an emergency fund?
You set aside an amount weekly or monthly (depends on how you want to save) mine was i try to save atleast 1k monthly and put it in a high interest bank where you can withdraw anytime. I chose to put my emergency fund in CIMB Bank PH since it gives a higher interest rate compared to other banks. It is also very convenient since i can deposit/withdraw funds online.

Why is it important to have an emergency fund?
It is important to prepare for planned events in life but it is more important to prepare for something unexpected.
In my case, I wasn’t planning on getting my wisdom tooth removed since it wasn’t affecting my daily activities but one day it decided to hurt and i needed it to be removed. Oral surgery for removal of impacted wisdom tooth cost around 7-12k pesos plus ppe and x-ray expenses, mine was at 10k plus misc. items, total of 12k this is not covered by my company’s HMO. Having to take that money out from your pocket would really hurt.
Thankfully i had an emergency fund setup over the course of a couple of months which paid for my bill.

Wrong use of emergency fund?
I am going to share to you some of the mistakes I did that made it hard for me to save up on that fund.

Do not use it to pay for your credit card bills, if you cant pay your bills in full, you have to face the consequences (interest) of having spent more than you can pay.

Do not use it to purchase items on sale. A Sale is not an emergency.

And remember, saving money needs discipline which you will learn over time if you keep doing it over and over again.

If you have reached the end of my post, and have any questions, feel free to pm me. Ill try my best to answer your questions. Salamat!

08/02/2021

What Is Transfer of Risk?
A transfer of risk is a business agreement in which one party pays another to take responsibility for mitigating specific losses that may or may not occur. This loss includes death, and the question is NOT IF we die, but WHEN we die.

When a breadwinner dies, who takes the responsibility of providing for the family? As a breadwinner, you should learn how to transfer this kind of risk. As a financial advisor, I can share to you how we can mitigate these risks by preparing while we are still able.

Interested to know more? Please don’t hesitate to contact me thru this page or call me at 09178064598. Thank you!

Source:

The transfer of risk is the primary tenet of the insurance business, in which one party pays another to bear the costs of some potential expenses.

25/11/2020

Now more than ever, it’s important to financially prepare for unforeseen events. If you’re thinking of getting insurance soon, start with learning the basics.

In his latest video, stock market trader, personal finance consultant, and best-selling author Marvin Germo shares his experience in getting insurance plans and the importance of finding one that fits your current needs.

Watch his video here: https://www.youtube.com/watch?v=LaT7FblNOhU&feature=youtu.be&fbclid=IwAR19h6ckUEUS8h98DdHrpGezeNF00upeyGReBiBpm4EVyMSrvu6BDF_1JnI

For free Financial Consultation, click that message button!

06/07/2020

Secreto ng mga gwapo. Men, if you really love your family, getting insured is one way of showing it. Because even in your untimely demise, you can still provide for them. Yan ang tunay na pagmamahal.

Pumili na lang talaga ng lalaking may Life Insurance policy.😂