08/07/2026
Last 2024, I processed my first ever critical illness benefit claim worth โฑ2.55M.
This year, I processed a death benefit claim worth โฑ1M+.
This is my first ever death benefit claim.
And this time, it was from a VUL plan.
More than a year na siyang hindi nahulugan.
Napabayaan na lang because of all the bad things they heard about VUL. They almost didnโt bother checking the proceeds anymore kasi akala nila maliit na lang or baka wala na.
The plan was almost left alone until the fund value ran out.
But the relative messaged me. Nagbabakasakali na hindi pa lapsed 'yung plan niya.
When I checked, buti na lang may natira pang around โฑ5k na fund value.
And because the policy was still active, the family was still able to claim โฑ1M+.
Buti nalang hindi basta basta naglalapse ang VUL plans basta may fund value pa.
The thing isโฆ
May naiwan siyang maliit na anak.
And this is why I always ask:
Para saan nga ba natin kinukuha ang insurance?
If itโs just for investment, hindi siya doon nagsisimula.
Insurance is for the people we care about the most.
Itโs for the silent question we donโt always want to face:
โPaano na sila kapag nawala ako?โ
โPaano na sila kapag nagkasakit ako?โ
โAyokong maging pabigat.โ
โAyokong maiwan silang walang laban.โ
This is also why proper policy servicing matters.
Hindi sapat na nabentahan ka lang.
Dapat may advisor kang kaya kang balikan, i-review, at tulungan lalo na sa mga panahong hindi mo na alam kung may laban pa ba ang policy mo.
And to my fellow advisors:
This is why we keep showing up.
Even when insurance is misunderstood.
Even when VUL is criticized.
Even when people only see the โsaleโ and not the years of service after.
Because behind every policy is a family.
Behind every claim is a child, a spouse, a parent, or someone who still needs to continue life after loss.
Letโs keep doing .
And if you have an existing policy that you stopped paying, please donโt assume itโs already useless.
Have it reviewed first.
Baka may protection pa.
Baka may laban pa.
Baka may maiiwan pa sa taong mahal mo.
Rooting for you,
Dinny | Modern Breadwinner ๐ค
