24/06/2026
After I presented the detailed Term Insurance quote to the client.
Quarterly Premium: PHP 3,781.25
Annual Premium: PHP 13,750.00
Client Profile: Female, 55 years old, with hypertension maintenance medication
๐๐น๐ถ๐ฒ๐ป๐: Best price na po ito?
๐ ๐ฒ: Yes po Ma'am, ito na po ang lowest premium available for a TERM insurance plan based on your age and health profile.
๐๐น๐ถ๐ฒ๐ป๐: May nakita kasi ako na below โฑ500 per month.
๐ ๐ฒ: Possible po na para iyon sa mas batang applicant, usually nasa 20s o 30s. Insurance premiums are based on age, health, and lifestyle. The younger and healthier you start, the lower the cost.
Since 55 years old na po kayo at may hypertension maintenance, possible rin pong magkaroon ng additional rating depende sa approval ng insurance company.
๐๐น๐ถ๐ฒ๐ป๐: Huwag na lang po, mahal pala. Hindi kaya ng budget. ๐ฅน
โญ๏ธ Lesson: Insurance is cheapest when you're young and healthy. Delaying often means higher premiums and fewer options later on.