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NERMA Financial Advisor, Cayabyab, Kayapa (2026)

03/06/2023

Panalo kapa nga sa totoo lang.

Lagi mo tatandaan, kapag kukuha ka ng insurance - yung coverage ang tignan mo.

Sa panahon ngayon may mga insurance na may kasama na ang investment pero tandaan mo na BONUS part lang ito sa insurance mo.

Kaya madami nagsasabing lugi sila sa mga insurance nila kasi tinitignan palagi ng may short term mindset, yun tipong less than 5 years eh sinasabi hindi kumikita yung plan nila.

Kadalasan 5-10 years mo makikita na mageksakto yung nahulog mo sa investment mo pero hindi ibig sabihin na hindi mo nakitang nag eksakto e lugi kana, tandaan mo INSURED kapa din!

Yung investment na kasama sa mga ganyang plan ay para sa long term.

Ano ibig sabihin ng long term nito?
Kadalasan 15 years or more bago mo gamitin, tulad ng pang college ng anak mo o kaya gagamitin mo pang retirement mo.

Kaya SOBRANG IMPORTANTE na malaman mo kung saan mo gagamitin yung insurance plan na kinuha mo para hindi ka araw-araw problemado sa investment mo.

Huwag mong istressin ang sarili mo.

Kung gusto mo ng lumago agad ang pera mo huwag ka sa insurance dahil hindi ito pang mabilisan.

Pero tandaan mo bago ka maginvest dapat may insurance ka muna.

31/05/2023

Invest first before living like a King and Queen Asset vs Liability

Son: Dad, may I speak with you?
Dad: Go ahead.
Son: Among all my classmates, I am the only one without a car. It is embarrassing.
Dad: What do you want me to do?
Son: I need a car. I don't want to feel odd.
Dad: Do you have a particular car in mind?
Son: Yes dad (smiling)
Dad: How much?
Son: 200,000 pesos
Dad: I will give you the money on one condition.
Son: What is the condition?
Dad: You will not use the money to buy a car but invest it. If you make enough profit from the investment, you can go ahead and buy the car.
Son: Deal.

Then, the father gave him a cheque of 200,000 pesos. The son cashed the cheque and invested it in obedience to the verbal agreement that he had with his father.

Some months later, the father asked the son how he was faring. The son responded that his business was improving. The father left him.

After some months again, the father asked him about his business
again and the son told him that he is making a lot of profit from the business.

When it was exactly a year after he gave him the money, the father asked him to show him how far the business has gone. The son readily agreed and the following discussion took place:

Dad: From this I can see that you have made a lot of money.
Son: Yes dad.
Dad: Do you still remember our agreement?
Son: Yes
Dad: What is it?
Son: We agreed that I should invest the money and buy the car from the profit.
Dad: Why have you not bought the car?
Son: I don't need the car again. I want to invest more.
Dad: Good. You have learnt the lessons that I wanted to teach you.
- You didn't really need the car, you just wanted to feel among. That would have placed extra financial obligations on you. It wasn't an asset then; but a liability.
- Two, it is very important for you to invest in your future before living like a king.
Son: Thanks dad.

Then the father gave him the keys of the latest model of that car.

MORALS:
1. Always invest first before you start living the way you want.

2. What you see as a need now may become a want if you can take a little time to get over your feelings.

3. Try to be able to distinguish between an asset and a liability so that what you see as an asset today will not become a liability to you tomorrow.

ctto

27/05/2023

One unexpected event can dramatically change our life.
Plan ahead so you can still live the life you choose.

Insurance is the only tool that can help us as we face unexpected trials in life. And if you’re undecided on which plan you should get, I can help you and discuss with you.

24/05/2023

Let me share a short story..

☂️☔️🌂
Isang umaga, papasok sana si Juan kaso nakita nya na makulimlim kaya naisipan nyang magdala ng payong.

Bitbit nya ang payong habang naglalakad. Napansin nya na unti unti ng lumiliwanag at tumirik na ang araw. Naisipan nya ng gamitin ang payong para proteksyon sa sobrang init.
——

Based sa story, nagdala si Juan ng payong dahil sa akala nya uulan, pero dahil sa hndi ito nangyari, nagamit nya pa rin naman to dahil sa tindi ng init ng araw. Nabigyan pa rin sya ng proteksyon ng payong.

⚠️⚠️⚠️Eh anong halaga nitong kwento ko?

Parang INSURANCE lang yan. Kumuha ka ng insurance for security ng family mo pag nawala ka. Pero alam mo ba na ang INSURANCE ay hindi lang pag mamamatay na. Pwede mo magamit ang INSURANCE sa mga ito:

✅HEALTH- pwede mo magamit ang insurance para sa medical bills mo pag ikaw nagkasakit. In this way, di ka mababaon sa utang pag ikaw ang nagkasakit. Tandaan ang mahal na po magpa ospital.
✅EDUCATION- yes! Pwede rin itong kasagutan sa pag papaaral sa anak mo at masesecure mo pa ang future nya.
✅RETIREMENT- ang sarap mag retiro na alam mong di ka magiging pabigat sa mga anak mo. Yung tipong relax at travel na lang.

Ilan lang yan sa mga pwedeng mabigay ng insurance sayo. Kaya ano pa hinihintay mo, tara! Usap tayo..

NERMA Financial Advisor

23/05/2023

Kayo ba ay Isang working parents? at nag hahanap kayo Ng Educational plan na sakto at swak lang sa inyong budget?

GOOD NEWS!!

Let me introduce Mylifechoice Education 7 years to pay.

For a minimum of 2,500 a month or above you will enjoy these benefits when your child reaches the age which they need to take a college degree..

☑️ Guaranteed life insurance coverage in case of your untimely demise plus account value.

☑️Educational protection benefits in form of guaranteed annual pay outs in case of your passing.

☑️ Bright rider plus:
Pay outs will start immediately upon your passing and can cover your child's education expenses until graduation.

☑️ Potential investment growth from account value which can be used to fund your child's education - here or abroad.

☑️ Php 250,000 education benefit will received every year for college tuition fund by the time your child reach 18 years old, until graduation in the 5th year.

☑️ The remaining account value after 5years of account withdrawal can be withdrawn as a graduation gift.

So ano pa inaantay nyo..
Don't missed this wonderful offer.

Always remember as long as you are young and healthy everything that your desire is possible.

Don't let your self as a Money Machine to not set aside a small amount for your family's financial needs in the future .

Halika at mag usap Tayo sa Goals nyo.
We can set an online virtual meeting to discuss your financial needs.

Pm me in my inbox.

22/05/2023

"𝙋𝙖𝙜𝙠𝙖𝙠𝙖𝙠𝙞𝙩𝙖𝙖𝙣 𝙡𝙖𝙣𝙜 𝙖𝙠𝙤 𝙣𝙮𝙖𝙣..."

Yan ang madalas na sinasabi natin kapag merong ahente na nag ooffer ng insurance sa atin.

Honestly, mas nasasabi pa natin ito kapag kakilala natin yung ahente na nangungulit sa atin.

𝗣𝗲𝗿𝗼 𝗮𝗹𝗮𝗺 𝗺𝗼 𝗯𝗮 𝗸𝘂𝗻𝗴 𝗯𝗮𝗸𝗶𝘁 𝗸𝗮 𝗻𝘆𝗮 𝗸𝗶𝗻𝘂𝗸𝘂𝗹𝗶𝘁?

On a financial advisor's perspective, tuloy ang aming trabaho kahit ang kapamilya/kaibigan/kamag anak/kakilala namin ay hindi namin naconvince kumuha ng insurance. Walang mawawala sa amin.

𝗣𝗲𝗿𝗼 𝘀𝗮𝘆𝗼, 𝗮𝘁 𝘀𝗮 𝗳𝗮𝗺𝗶𝗹𝘆 𝗺𝗼, 𝗠𝗘𝗥𝗢𝗡.

Kaya kami nangungulit dahil ayaw namin mangyari sa inyo ito. ⬇

Believe me, 𝗺𝗮𝘀𝗮𝗸𝗶𝘁 𝘆𝗮𝗻.

22/05/2023

Protect yourself and your loved ones with AXA’s Health Max 20-PAY.
Here’s what you can enjoy for a monthly premium of only ₱3,000:

✅ Major critical illness coverage up to ₱1.4M
✅ Minor critical condition coverage up to ₱280k
✅ Death benefit up to ₱1.4M
✅ Maturity benefit of ₱1.4M

With this Plan, you can face unexpected events with Confidence and Peace of Mind.
Don’t wait, secure your future Today.

Start Planning Your Future Today!
-Nerma Lamsis

21/05/2023

“HINDI KO PA KAYA KUMUHA NG INSURANCE, MALIIT LANG SWELDO KO EH.”

Personally, I believe this. Kapag maliit talaga sahod mo, hindi naman talaga insurance ang priority mo. Mostly ang priority mo ay maka-survive sa sahod na meron ka.

But why do people say this immediately? Kasi most people assume na mahal ang insurance.

📌 The thing is, it’s not expensive. Sa totoo lang. Your life insurance can be customized based on your needs and can be adjusted based on your budget.

📌 Your trusted financial advisor can help you with that. They can help you compute how much benefits you need based on your current priorities, the you can move forward from there regarding your concerns on the amount. 🙂

Depende lang talaga yan kung saan mo ilalagay ang pera mo. That's how you will know what's important to you.

—
👉 Btw, I’m a Licensed Insurance Advisor of . I can assist you in getting your first life insurance policy based on your priorities and budget. 😊

21/05/2023

𝐔𝐲, 𝐦𝐚𝐲 𝐦𝐢𝐝𝐲𝐞𝐚𝐫 𝐛𝐨𝐧𝐮𝐬 𝐧𝐚! 😍

May plans ka na ba on how to manage it?

If wala pa, you might want to start your own insurance with investment policy to use your mid-year bonus this 2023!

Ito na ang sign na hinihintay mo! 🫶🏻
I-secure na natin yan, help kita sa application ☺️

Send me a message for FREE financial planning. 💌 💌

𝐒𝐚𝐯𝐞 𝐟𝐢𝐫𝐬𝐭, 𝐬𝐩𝐞𝐧𝐝 𝐥𝐚𝐭𝐞𝐫. 🤗

21/05/2023

May HMO ka na? Baka maliit ang yearly in-patient benefit mo…pwede natin dagdagan yan.

AXA HEALTH CARE ACCESS LITE PLAN is the perfect supplement for your current HMO plan.

HCA Lite Plan can give you additional in-patient benefit from Php 500k to Php 5M for a very reasonable annual premium.

Sample computation:
female, 30yrs old
Plan - Php 1,000,000.00
Annual premium is Php 17,359.00
Not even Php 2k a month for Plan 1M!!!

Message me to know more.

21/05/2023

𝐇𝐄𝐀𝐋𝐓𝐇𝐌𝐀𝐗 𝐅𝐎𝐑 𝐊𝐈𝐃𝐒 𝐀𝐍𝐃 𝐀𝐃𝐔𝐋𝐓𝐒

HealthMax is your secured lifetime health plan, that fits your needs, now in the future.

10 Reasons to get HealthMax (AXA's Health Protection) NOW:

1. Critical illness can happen to anyone, at anytime. Be financially prepared for the unexpected cost of major medical emergencies with Health Max.

2. Health Max provides 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝘂𝗻𝘁𝗶𝗹 𝗮𝗴𝗲 𝟭𝟬𝟬 – longer than HMO plans and other health insurance products.

3. Health Max covers for the most extensive range of critical conditions – 𝟱𝟲 𝗺𝗮𝗷𝗼𝗿 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝘀 𝗽𝗹𝘂𝘀 𝟭𝟴 𝗺𝗶𝗻𝗼𝗿 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗰𝗼𝗻𝗱𝗶𝘁𝗶𝗼𝗻𝘀.

4. Health Max can be issued to children as young as age 0 (at least 7 days old) so if you’re a parent, it is a perfect gift for your children that can last them a lifetime.

5. You can choose a payment scheme for Health Max that suits your budget.

6. You can decide how you will use the cash benefits you get from your Health Max plan.

7. You can customize your Health Max plan by attaching riders such as Accidental, Hospitalization, and Payor’s Clause to gain maximum coverage for a minimum extra cost.

8. You can get a Health Max coverage as much as Php 10 million.

9. You can have access to a ready medical fund as you grow older with the Advanced Health Fund.

10. You are secured that you are getting your Health Max coverage from a trusted global insurance company, AXA.
With

Message me to know more.

21/05/2023

Yung iPhone, hinuhulugan.

Yung lotto, tinatayaan.

Yung birthday, pinaghahandaan.

Yung handa sa fiesta, ipinapangutang.

Yung panigarilyo, pinaglalaanan.

Yung pagkain sa labas, nabu-budgetan.

Yung bayad sa Netflix, hindi nahirapan.

Yung utang sa bombay, nababayaran.

Yung bayad sa Shopee at Lazada, napaghahandaan.

Pero bakit ang HEALTH INSURANCE, RETIREMENT FUND. Ayaw Paghandaan?

Mostly, ito ang common mistakes ng karamihan dahil ang retirement daw ay malayo pa, kaya saka nalang paghandaan.

Laging tandaan: " THE BEST TIME TO PREPARE IS WHEN YOU DON'T NEED IT. "

NERMA Financial Advisor

03/06/2023

31/05/2023

27/05/2023

24/05/2023

23/05/2023

22/05/2023

22/05/2023

21/05/2023

21/05/2023

21/05/2023

21/05/2023

21/05/2023

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