13/04/2019
Most OFW's would stick with Savings in Bank since that's the most convenient and that's what they are familiar with. But what they didn't know about putting all their savings in a bank are:
-The average return in your Time Deposit is 0.25%-0.50% only
For example, nag save ka ng P300,000 sa Time deposit mo, pag nag 60 years old ka na, P404,000 lang ang magiging pera mo. :(
-A bank will freeze a deceased customer’s individual accounts when notified of the death.
Yes, iffreeze po ng bank yung savings natin kaya hindi po agad agad maaccess ng family mo yung pera mo
It's good to have your own savings account but putting all your money in one basket is not wise enough.
Now, one of the best investment options where we can put a portion of your savings is through Life Insurance.
Some of my clients would say,
"Ayoko kumuha niyang insurance, hindi pa naman ako mamatay."
"Malakas pa naman ako, kayang kaya ko pa magtrabaho ng matagal."
"Ayoko niyang insurance na yan, hindi ko naman naiintindihan yan eh."
But they still get an insurance from me because the moment they understand the Life Insurance and realize it's benefit for them and their family, they will eventually get a Life Insurance.
I know there's a lot of things going through your mind, mostly negative but before you close your door, I want to ask you some question.
"May Life Insurance ba sa company na pinagttrabahuan mo ngayon or while employed ka lang sakanila?"
"Enough na ba yung naiipon mo para sa retirement mo?"
"Are you prepared enough lalo na kung isang araw bigla ka nalang mawawala, may maiiwan ka ba sa family mo?"
"Kapag anything happens sayo, sasaluhin ka ba ng company mo? Kung magbibigay man sila, will it be enough?"
"Paano kung bigla tamaan ka ng malubhang sakit, are you prepared enough?"
If your answer to this questions are all YES, congrats Kabayan kasi alam mo yung reality ng buhay and you are preparing yourself ahead of time. Pero kung ngayon may doubt ka at hindi ka sigurado sa mga sagot mo, feel free to message me. I will help you and your family to prevent this Life Uncertainties and prepare you for your future.
What is Life Insurance?
Life insurance is a form of protection against financial loss as a result of a premature death of the insured. This means the beneficiary of the insured will receive the proceeds of the policy in order to provide financial security in exchange of the premium paid.
Why get a life insurance? There are variety of reasons, which includes the following:
-A form of financial protection for your family since the lump sum amount can help your beneficiaries to cover up for the sudden loss of income.
-Works as your savings and investment tool, especially if you go for the Variable Universal Life policy.
-Serves as your retirement income since life insurance products come with long-term maturity.
-Helps settle immediate financial needs as a result of sudden death of the insured.
Simple lang naman ang role ng Life Insurance, kapag nawala ka ng mas maaga, may magsusuport sa financial needs ng pamilya mo. Kapag naman nabuhay ka ng matagal, may savings ka na magagamit mo pang retirement mo.
Kaya Kabayan, don't hesitate na kumuha ng Life Insurance. Para sayo at sa pamilya mo din ito. Message me today to know more.
Rosebeth De Mesa
Licensed Financial Advisor
Sun Life of Canada, Philippines
09979985265
