Almera Ozita - PRU LIFE UK Insurance Advisor

Almera Ozita - PRU LIFE UK Insurance Advisor Helping Filipino families achieve financial goals, freedom and stability.

HAPPY PRIDE MONTH!!! ๐Ÿณ๏ธโ€๐ŸŒˆDID YOU KNOW..LGBTQ+ partners can be each otherโ€™s life insurance beneficiaries. โค๏ธ๐Ÿงก๐Ÿ’›๐Ÿ’š๐Ÿ’™๐Ÿ’œNot a lo...
01/06/2026

HAPPY PRIDE MONTH!!! ๐Ÿณ๏ธโ€๐ŸŒˆ

DID YOU KNOW..

LGBTQ+ partners can be each otherโ€™s life insurance beneficiaries. โค๏ธ๐Ÿงก๐Ÿ’›๐Ÿ’š๐Ÿ’™๐Ÿ’œ

Not a lot of people know this, but according to the memo issued by the Insurance Commission, there are only 3 requirements needed to show proof of long term relationship. ๐Ÿ˜‰

Proud that our company, Pru Life UK, is one of the companies who allow this! ๐ŸŒˆ

For further assistance, donโ€™t hesitate to message us. Weโ€™re happy to help you all the way! ๐Ÿ’•

Read more here: http://www.cnnphilippines.com/news/2020/3/6/LGBTQ-community-partner-life-beneficiary-Insurance-Commission.html

โœจ

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Hi friends! If you have an existing policy with PRU LIFE UK and you are not sure kung active pa ang current agent mo, yo...
16/05/2026

Hi friends! If you have an existing policy with PRU LIFE UK and you are not sure kung active pa ang current agent mo, you can do the following steps:

1. Log in to your Pruservices account, using the email that you used with the application process https://pruservices.prulifeuk.com.ph/welcome

2. Click your policy details.

3. Check your agent details, if its the same on the photo below, that means your agent is no longer connected with PRU.

If you want a trusted agent to handle your policies, you can send me a message. I can help. ๐Ÿ˜Š



Build your Retirement Fund Now ๐Ÿ‘ต๐Ÿป๐Ÿง“๐ŸปAccording to many surveys on people above the age 65: โœ… Around 40% have to keep on wo...
16/05/2026

Build your Retirement Fund Now ๐Ÿ‘ต๐Ÿป๐Ÿง“๐Ÿป

According to many surveys on people above the age 65:
โœ… Around 40% have to keep on working to survive.
โœ…Around 30% depend on their relatives to survive.
โœ…Around 20% depend only on their SSS or GSIS pension fund to survive.
โœ…8% depend on charitable institutions to survive.
โœ…2% are financially independent.

Youโ€™ve got to start building your retirement fund now. Not tomorrow, not next week, not next year, but now.

Let me help you! :))

๐Ÿ‘‰Good read from Bro. Boโ€™s book, 8 Secrets of Truly Rich. ๐Ÿ“ˆ

Did you know that we are estimated to live approximately 28,000 days or 80 years?๐Ÿฌ ๐˜๐—ผ ๐Ÿฎ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ - No Income (play and...
11/05/2026

Did you know that we are estimated to live approximately 28,000 days or 80 years?

๐Ÿฌ ๐˜๐—ผ ๐Ÿฎ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ - No Income (play and study)
๐Ÿฎ๐Ÿฌ ๐˜๐—ผ ๐Ÿฐ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ - Start earning income (career and family)
๐Ÿฐ๐Ÿฌ ๐˜๐—ผ ๐Ÿฒ๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ - With income (kids tuition, mortgage, car loans, move up career)
๐Ÿฒ๐Ÿฌ ๐˜๐—ผ ๐Ÿด๐Ÿฌ ๐˜†๐—ฒ๐—ฎ๐—ฟ๐˜€ ๐—ผ๐—น๐—ฑ - No income (retirement)

During each stage of our life, these questions may arise:

โ˜‘๏ธ I am estimated to have 40 years to work and prepare for my retirement. Have I prepared enough? What if I reach 80 years old or more?

โ˜‘๏ธ What if I wonโ€™t be able to work until or before I reach age 60 because of disability?

โ˜‘๏ธ What if I wonโ€™t be able to reach age 40, 50, 60, 70 or 80? What will happen to my family, spouse, or children? Who will feed them? Who will support them?

โ˜‘๏ธ What if I get diagnosed with a critical illness, who will financially support my family?

To confront these ๐˜‚๐—ป๐—ฐ๐—ฒ๐—ฟ๐˜๐—ฎ๐—ถ๐—ป๐˜๐—ถ๐—ฒ๐˜€, it's crucial to explore your available options.

Ikaw saan ka na? ๐Ÿฅณ Feel free to connect and message me to discuss your choices today! โค๏ธ

Financial literacy often gets stereotyped as a boring subject for investors or people who already have lots of money. Bu...
28/04/2026

Financial literacy often gets stereotyped as a boring subject for investors or people who already have lots of money. But for most of us, that's not it at all. It's actually a deeply personal and relatable journey, one that starts with very simple, human questions. Itโ€™s about the peace of mind that comes from knowing you can handle a car repair without your entire month being a disaster. It's about having the knowledge to make big decisions, like moving in with a partner or starting a business, with a clear and confident plan. In essence, financial literacy isnโ€™t some abstract, dry academic topic; it's about giving yourself the control, security, and confidence to build the future you've always imagined for yourself and your family.

๐ˆ๐๐’๐”๐‘๐„๐ƒ ๐Š๐€ ๐๐€, ๐Œ๐€๐˜ ๐ˆ๐๐Ž๐ ๐Š๐€ ๐๐€! ๐Ÿ˜Protection + savings in one plan โœจSay hello to ๐ˆ๐๐’๐”๐‘๐€๐•๐„๐’๐“ with ๐๐ซ๐ฎ ๐‹๐ข๐Ÿ๐ž ๐”๐Š โ€” for your fu...
27/04/2026

๐ˆ๐๐’๐”๐‘๐„๐ƒ ๐Š๐€ ๐๐€, ๐Œ๐€๐˜ ๐ˆ๐๐Ž๐ ๐Š๐€ ๐๐€! ๐Ÿ˜

Protection + savings in one plan โœจ
Say hello to ๐ˆ๐๐’๐”๐‘๐€๐•๐„๐’๐“ with ๐๐ซ๐ฎ ๐‹๐ข๐Ÿ๐ž ๐”๐Š โ€” for your future goals, protection, and investment in one.

โœ”๏ธ Life protection
โœ”๏ธ Savings/investment
โœ”๏ธ Health & accident coverage

๐Ÿ“Œ Start with:
1 valid ID + initial payment (as low as 1 month)

Message me for a FREE quotation ๐Ÿ“ฉ
Secure your future, one smart decision at a time ๐Ÿค

Kasi pag dumating na yung sakit, doon na nagiging mahirap lahat.May medical na, may tests pa, may mga tanong tungkol sa ...
26/04/2026

Kasi pag dumating na yung sakit, doon na nagiging mahirap lahat.

May medical na, may tests pa, may mga tanong tungkol sa health history mo. Pwedeng mas mahal na, pwedeng may bawas sa coverage, o hindi na ma-approve.

May iba rin na gusto na magpa-insure pero hindi na pwede. Uninsurable na.

Kaya habang okay ka pa, habang wala pang kahit anong komplikasyon, gawin mo na.

Kasi pag dumating na yung kailangan mo na talaga siya, hindi na siya simpleng decision lang.


โ€œHindi ka pa kukuha ngayonโ€ฆ kailan?โ€At 38, sabi niya:โ€œNext year na. Medyo tight pa eh.โ€At 40:โ€œBusy lang. Ayusin ko muna ...
22/04/2026

โ€œHindi ka pa kukuha ngayonโ€ฆ kailan?โ€

At 38, sabi niya:
โ€œNext year na. Medyo tight pa eh.โ€
At 40:
โ€œBusy lang. Ayusin ko muna ibang priorities.โ€
At 42:
โ€œOkay pa naman ako. Healthy pa.โ€

Then one day, hindi siya tinanong kung ready na siya.
Bigla na lang may nangyari.
Hindi naman agad worst caseโ€ฆ
pero enough para matigil lahat.
Work? Pause.
Income? Stop.
Expenses? Tuloy-tuloy.

Doon niya narealize yung masakit na katotohanan:
Hindi pala problema kung kaya mong mag-iponโ€ฆ
kung isang iglap lang, kaya rin pala itong maubos.
Hindi pala enough na โ€œresponsableโ€ kaโ€ฆ
kung wala ka namang backup plan.
At lalong hindi pala sapat yung โ€œnext year naโ€โ€ฆ
kung ngayon pa lang, pwede na palang magbago ang lahat.

Pinakamahirap?
Hindi yung nangyari sa kanya.
Kundi yung mga tanong ng pamilya niya na hindi niya masagot:
โ€œPaano na tayo?โ€
โ€œAnong gagawin natin?โ€

Real talk.
Hindi ka bumabata.
Hindi rin nagiging mas mura ang insurance habang tumatagal.
At lalong hindi nagiging predictable ang buhay.
So kung ilang beses mo na โ€˜tong naisipโ€ฆ
tapos pinostpone mo langโ€”
Baka ito na yung sign mo.
Kasi ang regret, hindi yan dumarating habang may choice ka pa.
Kung ayaw mong maging kwento โ€˜to tungkol sayo,
message mo na โ€˜ko. Iโ€™ll help you startโ€”simple, clear, walang pressure.

๐˜ผ๐™‡๐™ˆ๐™€๐™๐˜ผ ๐™Š๐™•๐™„๐™๐˜ผ
๐ด๐‘ ๐‘ ๐‘œ๐‘๐‘–๐‘Ž๐‘ก๐‘’ ๐‘ˆ๐‘›๐‘–๐‘ก ๐‘€๐‘Ž๐‘›๐‘Ž๐‘”๐‘’๐‘Ÿ
๐ผ๐‘”๐‘›๐‘–๐‘ก๐‘’ ๐บ๐‘™๐‘œ๐‘๐‘Ž๐‘™ ๐‘†๐‘ข๐‘š๐‘š๐‘–๐‘ก ๐ฟ๐‘–๐‘“๐‘’ ๐ผ๐‘›๐‘ ๐‘ข๐‘Ÿ๐‘Ž๐‘›๐‘๐‘’ ๐ด๐‘”๐‘’๐‘›๐‘๐‘ฆ
๐‘ƒ๐‘…๐‘ˆ ๐ฟ๐ผ๐น๐ธ ๐‘ˆ๐พ


That tuition fee you see today is NOT what you'll be paying in 18 years.Many Filipino parents save based on current coll...
21/04/2026

That tuition fee you see today is NOT what you'll be paying in 18 years.

Many Filipino parents save based on current college costs โ€” around โ‚ฑ50,000 to โ‚ฑ150,000 per year depending on the school. But with education inflation running at 6โ€“8% annually, that same degree could cost two to three times more by the time your child is ready to enroll. Hindi biro ang ganyang halaga.

The earlier you start, the more time compounding works in your favor. A parent who begins saving when their child is born has 18 years of growth ahead. Someone who starts at age 10 has less than half that runway โ€” and will need to contribute significantly more each month to reach the same target.

Vehicles like education plans or VUL insurance policies can be structured specifically for this goal. They offer a combination of protection and growth, ensuring that even if something happens to you, your child's education fund remains intact. Ito ang tunay na pagmamahal bilang magulang.

Practical tip: Calculate your target fund based on future value, not today's tuition. Multiply current annual costs by 2.5 to 3 to get a realistic 18-year projection โ€” then work backward to determine your monthly savings.

Parents, at what age did you start (or plan to start) saving for your child's college education? Let's talk numbers in the comments.

Life doesnโ€™t send a calendar invite before problems arrive, no reminders, no warnings, no โ€œAre you available?โ€ pop-ups.T...
14/04/2026

Life doesnโ€™t send a calendar invite before problems arrive, no reminders, no warnings, no โ€œAre you available?โ€ pop-ups.

Thatโ€™s why itโ€™s important to prepare while things are still calm, because when the unexpected happens, preparation is what turns panic into protection.

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