Ellen Hemady, Financial Advisor

Ellen Hemady, Financial Advisor Educate people and give them deeper knowledge on how to take care of their hard-earned money.

Life insurance, investment-linked plans, or comprehensive health coverage. I'm here to help you choose the right protect...
12/06/2026

Life insurance, investment-linked plans, or comprehensive health coverage. I'm here to help you choose the right protection for your needs and goals. ๐ŸŒž

๐Ÿ“ฉ Message me anytime!

๐—ง๐—ฟ๐—ฎ๐—ฑ๐—ถ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฃ๐—น๐—ฎ๐—ป โ€” ๐—ฆ๐—ฒ๐—ฐ๐˜‚๐—ฟ๐—ฒ, ๐—ฃ๐—น๐—ฎ๐—ถ๐—ป ๐—ฎ๐—ป๐—ฑ ๐—ฆ๐—ถ๐—บ๐—ฝ๐—น๐—ฒ.
15/04/2026

๐—ง๐—ฟ๐—ฎ๐—ฑ๐—ถ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฃ๐—น๐—ฎ๐—ป โ€” ๐—ฆ๐—ฒ๐—ฐ๐˜‚๐—ฟ๐—ฒ, ๐—ฃ๐—น๐—ฎ๐—ถ๐—ป ๐—ฎ๐—ป๐—ฑ ๐—ฆ๐—ถ๐—บ๐—ฝ๐—น๐—ฒ.

12/02/2026

๐—ฆ๐—ฎ ๐—น๐—ถ๐—ณ๐—ฒ ๐˜€๐˜๐—ฎ๐—ด๐—ฒ ๐—บ๐—ผ ๐—ป๐—ด๐—ฎ๐˜†๐—ผ๐—ป โ€” ๐—ฎ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ฎ TERM, TRADITIONAL, or LIFE INSURANCE WITH INVESTMENT (VUL) ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป? ๐Ÿค”โœจ
๐Ÿ’ก TERM vs TRADITIONAL vs VUL INSURANCE ๐Ÿ’ก

TERM
โœ… Pure protection only
โœ… Lower cost, no savings
โœ… Renewable yearly
โœ… Coverage until age 70
โš ๏ธ Premium increases every 5 years
๐Ÿ‘‰ Perfect for those on a budget who want temporary protection

TRADITIONAL
โœ… Lifetime protection with savings
โœ… Fixed premium
โœ… Coverage until age 100
โœ… Separate living and death benefits
๐Ÿ‘‰ Ideal for those who want permanent protection and long-term savings

VUL (Life Insurance with Investment)
โœ… Protection + Investment in one plan
โœ… Part of your premium is invested in funds ๐Ÿ“ˆ
โœ… Value can grow over time
โœ… Flexible you can add or withdraw for your goals
๐Ÿ‘‰ Great for those who want growth and flexibility
All three offer protection โ€” the right one depends on your goals and budget.

๐Ÿ“ฉ DM me your age, and Iโ€™ll help you find the best plan for you!

One thing I really like about ๐•๐”๐‹ ๐๐‹๐€๐๐’ is the ๐…๐‹๐„๐—๐ˆ๐๐ˆ๐‹๐ˆ๐“๐˜. Youโ€™re not just paying for life and health protection over t...
10/01/2026

One thing I really like about ๐•๐”๐‹ ๐๐‹๐€๐๐’ is the ๐…๐‹๐„๐—๐ˆ๐๐ˆ๐‹๐ˆ๐“๐˜. Youโ€™re not just paying for life and health protection over time, you also build funds that you can withdraw when needed.

In just the past 3 months, these are 3 out of many client withdrawals Iโ€™ve assisted with:
Client 1: Withdrew โ‚ฑ80,000 to help cover her momโ€™s hospital bills after surgery
Client 2: Withdrew โ‚ฑ13,500 after losing a job and needing emergency funds
Client 3: Withdrew โ‚ฑ34,000 to pay a due insurance policy. Her Sun Fit and well and another VUL.

This is why I always say insurance isnโ€™t just about protection, itโ€™s also about being there when life happens. ๐Ÿ˜‰

Their plan is only around โ‚ฑ2,000โ€“โ‚ฑ2,500 per month. Because they are consistent with their payments and savings, theyโ€™re able to enjoy and access their funds when needed.

TERM vs VUL Plan. Whatโ€™s the difference?Choose based on your goals and budget.๐Ÿ“ฉ DM me your age, and Iโ€™ll help you find t...
10/01/2026

TERM vs VUL Plan. Whatโ€™s the difference?
Choose based on your goals and budget.

๐Ÿ“ฉ DM me your age, and Iโ€™ll help you find the best plan for you!

๐—”๐˜€ ๐—ฎ๐—ป ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜, ๐—ป๐—ฎ๐—ธ๐—ฎ๐—ธ๐—ฎ๐—น๐˜‚๐—ป๐—ด๐—ธ๐—ผ๐˜ ๐—บ๐—ฎ๐—ธ๐—ถ๐˜๐—ฎ ๐˜†๐˜‚๐—ป๐—ด ๐—ด๐—ฎ๐—ป๐—ถ๐˜๐—ผ๐—ป๐—ด ๐—ถ๐—ป๐—พ๐˜‚๐—ถ๐—ฟ๐—ถ๐—ฒ๐˜€.. I know we all have other priorities like bills, ca...
04/12/2025

๐—”๐˜€ ๐—ฎ๐—ป ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜, ๐—ป๐—ฎ๐—ธ๐—ฎ๐—ธ๐—ฎ๐—น๐˜‚๐—ป๐—ด๐—ธ๐—ผ๐˜ ๐—บ๐—ฎ๐—ธ๐—ถ๐˜๐—ฎ ๐˜†๐˜‚๐—ป๐—ด ๐—ด๐—ฎ๐—ป๐—ถ๐˜๐—ผ๐—ป๐—ด ๐—ถ๐—ป๐—พ๐˜‚๐—ถ๐—ฟ๐—ถ๐—ฒ๐˜€.. I know we all have other priorities like bills, car loans, tuition fees ๐—ฏ๐˜‚๐˜ ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—น๐˜† ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐˜„๐—ฎ๐—ป๐˜ ๐˜๐—ผ ๐—ฒ๐—ป๐—ฑ ๐˜‚๐—ฝ ๐—น๐—ถ๐—ธ๐—ฒ ๐˜๐—ต๐—ผ๐˜€๐—ฒ ๐˜„๐—ต๐—ผ ๐—ฟ๐—ฒ๐—ฎ๐—น๐—ถ๐˜‡๐—ฒ๐—ฑ ๐˜๐—ผ๐—ผ ๐—น๐—ฎ๐˜๐—ฒ ๐—ต๐—ผ๐˜„ ๐—ถ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐˜ ๐—ต๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—ฎ๐—ป๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฎ๐—ฟ๐—ฒ. Why not avail it earlier (yung bata pa at wala pang nararamdaman), while itโ€™s more affordable and hassle free sa approval.

We have term plans that are more affordable, and now we have new plan na even with pre-existing conditions may still qualify. Check my video to learn more.

https://www.facebook.com/share/r/1HVNexAwB3/
Message for quote

๐—ฆ๐—ฎ ๐—น๐—ถ๐—ณ๐—ฒ ๐˜€๐˜๐—ฎ๐—ด๐—ฒ ๐—บ๐—ผ ๐—ป๐—ด๐—ฎ๐˜†๐—ผ๐—ป โ€” ๐—ฎ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ฎ TERM, TRADITIONAL, or LIFE INSURANCE WITH INVESTMENT (VUL) ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป? ๐Ÿค”โœจ๐Ÿ’ก ...
11/11/2025

๐—ฆ๐—ฎ ๐—น๐—ถ๐—ณ๐—ฒ ๐˜€๐˜๐—ฎ๐—ด๐—ฒ ๐—บ๐—ผ ๐—ป๐—ด๐—ฎ๐˜†๐—ผ๐—ป โ€” ๐—ฎ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ฎ TERM, TRADITIONAL, or LIFE INSURANCE WITH INVESTMENT (VUL) ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป? ๐Ÿค”โœจ
๐Ÿ’ก TERM vs TRADITIONAL vs VUL INSURANCE ๐Ÿ’ก
TERM
โœ… Pure protection only
โœ… Lower cost, no savings
โœ… Renewable yearly
โœ… Coverage until age 70
โš ๏ธ Premium increases every 5 years
๐Ÿ‘‰ Perfect for those on a budget who want temporary protection

TRADITIONAL
โœ… Lifetime protection with savings
โœ… Fixed premium
โœ… Coverage until age 100
โœ… Separate living and death benefits
๐Ÿ‘‰ Ideal for those who want permanent protection and long-term savings

VUL (Life Insurance with Investment)
โœ… Protection + Investment in one plan
โœ… Part of your premium is invested in funds ๐Ÿ“ˆ
โœ… Value can grow over time
โœ… Flexible you can add or withdraw for your goals
๐Ÿ‘‰ Great for those who want growth and flexibility

All three offer protection โ€” the right one depends on your goals and budget.

๐Ÿ“ฉ DM me your age, and Iโ€™ll help you find the best plan for you! ๐Ÿ’–

30/10/2025

๐—ฆ๐—ฎ ๐—น๐—ถ๐—ณ๐—ฒ ๐˜€๐˜๐—ฎ๐—ด๐—ฒ ๐—บ๐—ผ ๐—ป๐—ด๐—ฎ๐˜†๐—ผ๐—ป โ€” ๐—ฎ๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ผ๐—ณ ๐—ฎ ๐—ง๐—˜๐—ฅ๐—  ๐—ผ๐—ฟ ๐—ง๐—ฅ๐—”๐——๐—œ๐—ง๐—œ๐—ข๐—ก๐—”๐—Ÿ ๐—ฝ๐—น๐—ฎ๐—ป ๐—ฝ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป? ๐Ÿค”

๐Ÿ’ก TERM vs TRADITIONAL INSURANCE ๐Ÿ’ก

TERM ๐Ÿ•’
โœ… Pure protection
โœ… Lower cost, no savings
โœ… Renewable yearly
โœ… Coverage until age 70 โš ๏ธ Premium increases every 5 years
๐Ÿ‘‰ Perfect for those on a budget who want temporary protection

TRADITIONAL ๐Ÿ’Ž
โœ… Lifetime protection + savings
โœ… Fixed premium
โœ… Coverage until age 100
โœ… Claims are separate (living + death benefits)
๐Ÿ‘‰ Ideal for those who want permanent protection and long-term savings

๐Ÿ“ฉ DM me your age and whether you prefer Term or Traditional, and Iโ€™ll send your quote ASAP!

[email protected]

A VUL plan shouldn't be seen as an investment. It's really for protection first. ๐Ÿ™‚
28/10/2025

A VUL plan shouldn't be seen as an investment. It's really for protection first. ๐Ÿ™‚

๐€ ๐’๐ฎ๐ง ๐‹๐ข๐Ÿ๐ž ๐๐ซ๐จ๐ฆ๐ข๐ฌ๐ž ๐ƒ๐ž๐ฅ๐ข๐ฏ๐ž๐ซ๐ž๐ ๐Ÿ’›A true testament to a ๐ฉ๐ซ๐จ๐ฆ๐ข๐ฌ๐ž ๐Ÿ๐ฎ๐ฅ๐Ÿ๐ข๐ฅ๐ฅ๐ž๐. One of my clients, just ๐Ÿ• ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ into her policy,...
03/08/2025

๐€ ๐’๐ฎ๐ง ๐‹๐ข๐Ÿ๐ž ๐๐ซ๐จ๐ฆ๐ข๐ฌ๐ž ๐ƒ๐ž๐ฅ๐ข๐ฏ๐ž๐ซ๐ž๐ ๐Ÿ’›

A true testament to a ๐ฉ๐ซ๐จ๐ฆ๐ข๐ฌ๐ž ๐Ÿ๐ฎ๐ฅ๐Ÿ๐ข๐ฅ๐ฅ๐ž๐. One of my clients, just ๐Ÿ• ๐ฆ๐จ๐ง๐ญ๐ก๐ฌ into her policy, sadly passed away. Her ๐›๐ž๐ง๐ž๐Ÿ๐ข๐œ๐ข๐š๐ซ๐ข๐ž๐ฌ ๐ซ๐ž๐œ๐ž๐ข๐ฏ๐ž๐ ๐๐ก๐ฉ ๐Ÿ•๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ death claim after she had only paid ๐๐ก๐ฉ ๐Ÿ๐Ÿ‘,๐Ÿ”๐ŸŽ๐ŸŽ in insurance premiums.

She was diagnosed with ๐œ๐ž๐ซ๐ฏ๐ข๐œ๐š๐ฅ ๐œ๐š๐ง๐œ๐ž๐ซ just before the ๐Ÿ—๐ŸŽ-๐๐š๐ฒ ๐œ๐จ๐ง๐ญ๐ž๐ฌ๐ญ๐š๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐ฉ๐ž๐ซ๐ข๐จ๐ ended, so we were unable to claim the ๐๐ก๐ฉ ๐Ÿ‘๐ŸŽ๐ŸŽ,๐ŸŽ๐ŸŽ๐ŸŽ ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ benefit. Despite the challenges, she ๐œ๐ก๐จ๐ฌ๐ž ๐ญ๐จ ๐œ๐จ๐ง๐ญ๐ข๐ง๐ฎ๐ž with her plan. There were months she couldnโ€™t pay, but she still tried because she understood the ๐ฏ๐š๐ฅ๐ฎ๐ž ๐จ๐Ÿ ๐ฅ๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž. The ๐Ÿ๐ฅ๐ž๐ฑ๐ข๐›๐ข๐ฅ๐ข๐ญ๐ฒ ๐จ๐Ÿ ๐š ๐•๐”๐‹ ๐ฉ๐ฅ๐š๐ง really made it possible.

๐•๐”๐‹ isnโ€™t for everyone some prefer ๐ฉ๐ฎ๐ซ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž or a ๐ญ๐ž๐ซ๐ฆ ๐ฉ๐ฅ๐š๐ง. But for me, the ๐ฅ๐จ๐ง๐ -๐ญ๐ž๐ซ๐ฆ ๐Ÿ๐ฅ๐ž๐ฑ๐ข๐›๐ข๐ฅ๐ข๐ญ๐ฒ of VUL has proven to be both rewarding and truly helpful for families in times of need.

Curious about how a VUL plan works for you? Message mo lng ako sendan kita ng draft quote customize ko sa kaya mo lng i-save per month.

Ellen Hemady, Financial Advisor
09176712598 09186276609

Address

Unit 8, 2/F Paseo 4B
Pasig
4026

Telephone

+639176712598

Website

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