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WHO I SERVE: Business Owners & OFWs

WHAT I DO: Strategic Retirement Planning

HOW TO START: Download my FREE RETIREMENT CALCULATOR at https://albertellema.advisoraccelerator.co/ or message me to schedule a 15-minute strategy session.

03/01/2026

33-year-old OFW client undergone brain surgery in Kuwait due to Stroke.

Claimed ₱600k Critical Illness Benefit even when in abroad 🥺🙏🏼

See full details in comment section.

27/09/2025

Imagine finally deciding to apply for life insurance only to hear the words:

DECLINED DUE TO HEALTH CONDITION🥲

17/09/2025

𝑨 𝑳𝒐𝒗𝒆 𝑻𝒉𝒂𝒕 𝑳𝒂𝒔𝒕𝒔 𝒂 𝑳𝒊𝒇𝒆𝒕𝒊𝒎𝒆 ❤️

For parents, their greatest wish is to give their children the best life, even when they’re no longer around.

Introducing 𝐏𝐑𝐔𝐋𝐈𝐅𝐄𝐓𝐈𝐌𝐄 𝐈𝐍𝐂𝐎𝐌𝐄, an insurance 𝙥𝙡𝙖𝙣 𝙙𝙚𝙨𝙞𝙜𝙣𝙚𝙙 𝙩𝙤 𝙡𝙤𝙫𝙚 𝙖𝙣𝙙 𝙘𝙖𝙧𝙚 𝙛𝙤𝙧 𝙮𝙤𝙪𝙧 𝙘𝙝𝙞𝙡𝙙 𝙛𝙤𝙧 𝙡𝙞𝙛𝙚:

✅ Guaranteed yearly allowance for your child starting end of year 6 — and continues until age 100
✅ Additional dividends of up to 4% annually from year 3 onwards
✅ 200% lifetime protection — ensuring your family’s security
✅ Choose a payment plan that fits you: 5 or 10 years

This isn’t just a plan…

𝙄𝙩’𝙨 𝙮𝙤𝙪𝙧 𝙡𝙤𝙫𝙚, 𝙩𝙧𝙖𝙣𝙨𝙛𝙤𝙧𝙢𝙚𝙙 𝙞𝙣𝙩𝙤 𝙖 𝙡𝙞𝙛𝙚𝙩𝙞𝙢𝙚 𝙜𝙞𝙛𝙩, 𝙖 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙 𝙨𝙤𝙪𝙧𝙘𝙚 𝙤𝙛 𝙞𝙣𝙘𝙤𝙢𝙚 𝙮𝙤𝙪𝙧 𝙘𝙝𝙞𝙡𝙙 𝙘𝙖𝙣 𝙙𝙚𝙥𝙚𝙣𝙙 𝙤𝙣, 𝙣𝙤 𝙢𝙖𝙩𝙩𝙚𝙧 𝙬𝙝𝙖𝙩 𝙝𝙖𝙥𝙥𝙚𝙣𝙨 ♥️

Also perfect for who want to have a secure retirement fund for their future.

Message me today, and let’s secure your child’s future together. 📩

20/08/2025

“Yan ang iniinvest namin ngayon ni Cong, mga insurance..” - Viy Cortez-Velasquez

✅ Kumuha habang bata pa
✅ Kumuha habang healthy pa

Why?

Kasi kung may medical history ka na ng sakit, hindi ka na tatanggapin ng insurance company.

You can start small but you have to start NOW.

19/08/2025

“𝐁𝐚𝐤𝐚 𝐦𝐚𝐥𝐮𝐠𝐢 𝐬𝐢 𝐏𝐫𝐮 𝐋𝐢𝐟𝐞 𝐔𝐊?”

Let’s talk about it. 😊

Here’s my favorite part from the latest Pru Life UK Annual Report.

🔍 What is the RBC Ratio?
Under current Insurance Commission (IC) regulations, the RBC Ratio (Risk-Based Capital Ratio) measures an insurance company’s financial strength—specifically, its ability to pay all policyholders even if they file claims at the same time.

(Sabay-sabay mag-file ng sickness, accident, or life insurance claims? Kaya ba? This is how we know.)

📌 Quick guide:
🔘 RBC above 200% = Strong capital. Safe.
🔘 RBC below 100% = Risky. Possibly unstable.

📌 The Insurance Commission requires a minimum of 125% to maintain financial security for policyholders.

📈 Pru Life UK’s RBC Ratio? A solid 𝟒𝟖𝟎%.

That’s nearly 4x more capital than required—an incredibly strong indicator that your money is protected and your future is secure.

This only proves that with Pru Life UK, your hard-earned money is safe. You’re with a company that has fulfilled promises for over 177 years—a company that will outlive your policy. ❤️

Together with Pru, we help breadwinners, parents, and young professionals fulfill the greatest proof of love: 💌 Our Pru Promise.

18/08/2025

If you want clients, show up even when you don’t feel ready. Talk about what you do. Connect with people. Make your moves. Closed mouths don’t get fed and playing small won’t get you paid.

17/07/2025

INSURED NA DIN SI BABY! 😍

While we were discussing financial programs, naisip ni client na i-secure yung health protection ni baby and start building educational fund para sa college.

Ang sakit ay walang pinipiling edad, kaya very important na as early as now, may health protection na talaga.

1 year old palang si baby and when the time comes that she turns 18, she will at least have a college fund that will help her build her future.

Projected Educational Fund at age 18:
₱1,5XX,###.XX

Wise financial move for the family! 💪🏽
Thank you for the trust dear clients! ❤️

Let’s all grow in health and in wealth! ☺️

15/07/2025

Need lambing. Hindi pa nagtetext si babe.

🤪

15/07/2025

INSURED AN OFW TODAY 🛥️✅

“Bata palang ako, pangarap ko nang yumaman at umasenso. Kaso hindi ko alam kung papano.”

My client is an Overseas Filipino Worker. Umuwi siya dito sa Pilipinas para magbakasyon and he witnessed how hard it was para sa pamilya niya nung nagkasakit yung magulang niya.

Hindi biro ang pagiging isang OFW. Minsan kulang sa tulog, nagtitipid para malaki ang maipadala, willing pa silang i-sacrifice ang time nila kasama ang pamilya.

Pero dahil gusto nila kumita, makapag-ipon, at makatulong sa pamilya — they had to make that decision

Saludo sa mga OFW! Sabi ni client “Hindi ko gustong habangbuhay magtrabaho sa ibang bansa. Gusto ko din makasama family ko and ma-witness yung paglaki nila.”

That’s why my client decided to protect his income and hard-earned savings.

Congrats client and stay insured! 🛥️✅

06/07/2025

𝘼𝙁𝙁𝙊𝙍𝘿𝘼𝘽𝙇𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀. 𝙎𝙀𝘾𝙐𝙍𝙀 𝙔𝙊𝙐𝙍 𝙁𝙐𝙏𝙐𝙍𝙀 𝙉𝙊𝙒!

Isa ka din ba sa nag-aakala na “Ang mahal ng insurance. Dagdag gastos lang yan.”?

I’ll tell you something 😉

Yes, gagastos ka for insurance. That’s true. Pero naisip mo ba yung future mo?

Everyday, there are 91 new cases of cancer dito sa Pilipinas. And who knows kung kelan tayo tatamaan niyan. Hospital fees are increasing. Sobrang mahal magkasakit sa Pilipinas. Pero there is a way to get you covered. The choice is up to you.

For as low as ₱100 per day savings, you will be covered with millions of insurance benefits. Malaking tulong ito sa panahon na kakailanganin mo na.

Get insured while you’re still young and healthy.
Message me for a FREE consultation 📩
I’ll be happy to help you ❤️

Address

Makati

Website

https://albertellema.advisoraccelerator.co/

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The Einstein

03/01/2026

27/09/2025

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20/08/2025

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17/07/2025

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