Verge Wealth Planners

03/11/2026

We often focus on earning more money, but what about having more control over our time? ⏳

As our careers grow, it’s worth asking whether we’re also creating enough space for our health, family, personal goals, and the things we enjoy doing.

I recently shared a new article about career flexibility, the importance of managing our own time, and why success isn’t always measured by income or job titles alone.

🌐 christinedimaliuat.com

We often talk about earning more money. But there is another resource we can never earn back: Time. For many professionals, success comes with an unexpected trade-off. As responsibilities increase,…

03/11/2026

Usapang Gen Z & Millennial
Episode 37 | Part 2
“Insurance Policy Decisions You Should Know About”

#2: Can Someone Else Pay Your Insurance Premiums Without Becoming the Policyowner?

Can someone pay your life insurance premiums without owning the policy?

Yes! This may be possible through a Third-Party Payor Arrangement, subject to the insurance company’s requirements.

However, paying the premiums does not automatically grant ownership rights or control over the insurance policy.

Insurers may require documentation of the third-party payor’s relationship with the insured or policyowner, applicable insurable interest, personal information, and source of funds as part of customer due diligence and anti-money laundering compliance.

In this episode, Denise and Christine discuss why it’s important to understand the distinction between a third-party payor and a policyowner before making this decision.

The person paying for the insurance and the person controlling the policy are not necessarily the same.

Have you considered who should own and pay for your family’s insurance policies?

02/11/2026

Usapang Gen Z & Millennial
Episode 37 | Part 1
“Insurance Policy Decisions You Should Know About”

#1: Can You Use Your Existing Life Insurance Policy as Mortgage Redemption Insurance (MRI)?

Did you know that your existing life insurance policy may be used as mortgage protection for a bank housing loan?

Mortgage Redemption Insurance (MRI) helps settle the outstanding housing loan if the insured borrower passes away, subject to the applicable coverage and policy conditions.

While banks commonly offer MRI through partner insurance providers, borrowers may also explore assigning an eligible personal life insurance policy to the bank, subject to lender approval and requirements.

Potential advantages include retaining the policy for personal protection after the housing loan is fully paid and the assignment is released.

For eligible AIA policies, this involves processing a policy assignment form and completing the required documentation.

In this episode, Denise and Christine discuss the differences between traditional MRI and using an existing life insurance policy for mortgage protection.

Before getting a housing loan, understand your insurance options and ask your lender about its requirements.

Have you explored whether your existing life insurance could help protect your housing loan?

02/11/2026

Medicard has launched a new app that allows its members to make doctor's appointments and more easily track reimbursements. I via ANC 24/7

Link to the full story in the comments section.

01/11/2026

31/10/2026

Last day of October 🍂

Before the month ends, I just want to pause and say:
Thank You, Lord — for love, protection, health, provision, and grace that never runs out. 🙏

Grateful for everything You’ve done, seen and unseen. 💛

📖 “Give thanks in all circumstances.” – 1 Thessalonians 5:18

31/10/2026

Alam ba ng family mo kung saan hahanapin ang important financial documents mo?

This Undas, we remember the people we’ve lost and reflect on how we can care for those who are still with us.

We spend years working, saving, and building a better future. Pero kung tayo lang ang nakakaalam kung nasaan ang lahat, our loved ones may struggle to find what they need during an already difficult time.

One practical way to help: prepare a Financial Emergency File. 📁

Start with these five things:

✔️ Bank and investment information — a list of institutions where you have accounts.
✔️ Insurance and healthcare details — policy numbers, providers, and contact information.
✔️ Important documents — property records, estate-planning documents, and other essential papers.
✔️ Emergency contacts — trusted family members, advisors, and professionals who can help.
✔️ Secure access instructions — where authorized loved ones can find your records, without leaving passwords exposed.

Hindi kailangang matapos lahat in one day. Start with one folder, physical or digital, and let a trusted person know where to find it.

Making things easier for our family someday is also a way of caring for them today. 🤍

May Financial Emergency File ka na ba? Save this as your checklist, or share it with someone who might need the reminder.

31/10/2026

Usapang Gen Z & Millennial
Episode 36 | Part 6 (Last Part)
“Insurance Coverage People Often Misunderstand”

#6: Can You Claim from Two or More Health Insurance Policies for the Same Illness?

Can you receive benefits from multiple insurance policies for the same critical illness diagnosis?

Yes! If you have two or more critical illness insurance policies, you may claim from each eligible policy, provided the diagnosed illness is covered and all applicable claim conditions are met.

Unlike critical illness insurance, which generally provides lump-sum benefits, HMO and medical insurance plans primarily cover eligible healthcare expenses and may have coordination-of-benefits requirements.

In this episode, Denise and Christine discuss the differences among the three layers of health protection:

1. HMO – For eligible consultations, laboratory tests, outpatient services, and hospitalization.
2. Medical Insurance – For eligible medical and hospitalization expenses, often with higher coverage limits.
3. Critical Illness Insurance – Provides a lump-sum benefit upon a qualifying diagnosis, helping with treatment, recovery, and other financial needs.

Insurance helps protect not only your health-related finances but also the savings you’ve worked hard to build.

As we conclude Episode 36, here’s an important reminder: Having insurance is good, but understanding how your coverage works is even better.

When was the last time you reviewed all your health protection policies?

Benefits, claim eligibility, waiting periods, survival periods, and coordination rules depend on the applicable policy.

30/10/2026

An illness that starts unexpectedly can lead to hospital stays, medication, and medical bills that add up quickly.​

Being prepared means thinking beyond your health. It's also about protecting your finances from unexpected expenses. Get medical protection today, before you need it.​

You never know when. Be ready for what it costs.​ Talk to an AIA Life Planner today.​