Vanessa P. Montierro Financial Advisor

07/07/2026

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06/07/2026

𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗜𝗦 𝗔 𝗟𝗢𝗩𝗘 𝗟𝗔𝗡𝗚𝗨𝗔𝗚𝗘 ✨💚

Kung matagal mo nang pinag-iisipan kung paano magsimula o gusto mong malaman kung anong insurance plan ang babagay sa budget at goals mo, message mo lang ako. 😊
Pag usapan natin 😉

Dahil ang pinakamagandang investment ay ang peace of mind para sa mga taong pinakamahal natin.💚✅

Dm me for inquiries 🥰

06/07/2026

We may stop working, but the bills won't stop.

Prepare for your future ASAP as no one will take better care of you than yourself.

28/05/2026

Planning ahead means being ready for your family’s future, whatever life brings.​

Support your family’s health needs and give long‑term savings a head start with Manulife GoalReady for Health. Visit manulife.pub/GoalReadyForHealth to learn more.

27/05/2026

Be Goal Ready for financial Healthy tomorrow 💚✅

12/07/2025

Manage your policy’s payment schedule in just a few taps with the Manulife App!​

Don't have a Manulife account yet? Download the app today and create an account using your Manulife-registered email address, mobile number, and date of birth. 📱​

Google Play: https://bit.ly/3Fdf8rm
​App Store: https://apple.co/4j3tTen ​

12/07/2025

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Discover a career where you can shape your own path and enjoy true work-life balance. Join Manulife and get ready to create your own success story.

Visit https://bit.ly/3OHzCtX to know more.

05/04/2025

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang 😁☕️

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