14/06/2021
"Ay Che, meron na akong insurance" ๐ณ
I have a lot of friends telling me this but when I get to ask them what are the benefits of their insurance, madalas ko marinig
"Di ako sure eh, basta alam ko meron ako."
Only to find out na sobrang baba ng coverage nila during policy review. Madalas akala mong okay na pero kulang pa pala.
Besh, as a rule of thumb, life insurance must at least be 10 times your annual income while critical illness insurance must at least be 5 times your annual income.
Why?
Because you need to make sure that if something bad happens to you, your coverage will last for years. Yes, years as in plural. That's why we have 10x and 5x for life insurance and critical illness respectively.
Ito yung pera na gagamitin mo or ng family mo para makarecover. Payag ka bang maexhaust agad siya nang mabilis?
Kaya ako sinisigurado kong naeeducate ko ng maayos ang clients ko on what really is the value of the solutions that I offer to them at hindi benta benta lang.
If kulang pa coverage mo, talk to your trusted advisor. Syempre help din kita as well โค๏ธ Sisiguraduhin kong okay dapat ang coverage mo at di ka iiwan sa oras na kailanganin mo. Yun naman yung gusto natin diba? Yung pupunuan ang pagkukulang ng iba. ๐๐๐
