Joan Oabel, CPA - Financial & Insurance Advisor

08/04/2026

Continuing the mission despite the crisis here at The Medical City. 🫶🏻

25/03/2026

At every stage of life, we celebrate you! 👏

🇵🇭 Thank you for trusting , the #1* life insurer in the Philippines, to protect the people you love most, today and always. ❤️

Visit pru.ph/PRUisNumber1Fb to know how you, too, can protect your loved ones! 👨‍👩‍👧‍👦✨

*Based on New Business Annual Premium Equivalent (NBAPE) ranking as of FY 2025, the official and recognised standard used by the Insurance Commission in ranking life insurance companies in the Philippines according to new sales performance.

17/03/2026

As much as we strive to build a quality business and meaningful client relationships, we go beyond the policy by genuinely caring for your protection.

𝐓𝐨 𝐨𝐮𝐫 𝐯𝐚𝐥𝐮𝐞𝐝 𝐜𝐥𝐢𝐞𝐧𝐭𝐬,

Every message we send is not just a reminder, it’s our way of ensuring your benefits remain in force and your hard-earned money stays protected. 💕

——

Late night admin works 🙏🏻

~ .oabel_insuranceadvisor

10/03/2026

A doctor left 13+ Million Pesos para sa family from 3 Pru Insurance Plans. See details in the comments below.

08/03/2026

Empowered women don't just invest in their own success—they pave the way for other women (and men!) to succeed as well. 💪✨

Confident. Secure. Knows their worth. They help. They guide. They let others shine. 🌟

Today, International Women’s Day 💜, let’s honor the women in our lives who inspire us and help us become better every day.

In the comments section below, tag your ultimate female role model and mentor and tell us her best advice to you. Include .

We’ll pick 10 winners of P500 Starbucks eGift certificates ☕ that you can use for your coffee catch-up date.

We'll announce the winners of the raffle on March 16 via the comments section. Follow our page so we can tag you. 👀

Good luck and Happy International Women’s Day! 🌷

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Pru Life UK agents and employees are not allowed to join but are encouraged to invite clients and friends.

05/03/2026

04/03/2026

“Mas mahirap kasi ang mag-downgrade ng lifestyle kesa hindi mag-upgrade.”

“Hindi man yumaman, huwag lang maghirap.”
May lalim ang linyang ’to.
Mas mahirap kasi ang mag-downgrade ng lifestyle kesa hindi mag-upgrade.
Kapag nasanay ka na sa isang antas ng pamumuhay—maayos na bahay, sariling sasakyan, regular na kain sa labas, travel, convenience—hindi lang pera ang nawawala kapag bumaba ka. Nawawala ang comfort, sense of security, at minsan pati pride.
Psychologically, mas masakit ang pagkawala kaysa sa hindi mo naranasan. Iba ang:
• Hindi ka pa nakaka-travel abroad.
vs.
• Nakapag-travel ka na yearly, tapos biglang hindi na kaya.

Iba ang:
• Sanay ka sa simpleng buhay.
vs.
• Sanay ka sa convenience, tapos kailangan mong mag-adjust pabalik sa masikip na budget.
Ang downgrade may kasamang:
• Adjustment stress
• Ego hit
• Lifestyle withdrawal
• Pressure to maintain image
• Emotional strain sa pamilya
Samantalang kung steady ka lang at hindi ka nag-stretch beyond your means, wala kang kailangang i-let go. Stable ka. Hindi ka naghahabol. Hindi ka nagpa-panic.
Pero dito pumapasok ang isang mahalagang katotohanan:
Kahit gaano ka kaingat, may mga bagay sa buhay na wala sa kontrol mo.
1) Critical illness.
2) Biglaang pagkawala ng traba
3) Aksidente.
4) Pagkamatay ng breadwinner.
Isang malaking pangyayari lang, pwedeng mabura ang ilang taon ng pag-angat. At doon nagsisimula ang forced downgrade.
Kaya hindi sapat ang “magtipid lang.” Kailangan maghanda.
Preparation is what protects your current lifestyle from unexpected collapse.
• Emergency fund para hindi ka mangutang sa crisis.
• Health protection para hindi maubos ang ipon sa hospital bills.
• Income protection para hindi mag-zero ang cash flow kapag may nangyari sa breadwinner.
• Conservative lifestyle growth para may buffer ka lagi.
Hindi dahil negative thinker ka. Kundi dahil realistic ka.
Mas madaling hindi mag-upgrade kaysa mag-downgrade. Pero mas mahirap pareho kung wala kang safety net.
Ang tunay na financial maturity hindi lang about earning more.
It’s about protecting what you’ve already built.
Kasi minsan, ang tunay na yaman ay hindi yung pag-angat — kundi yung kakayahang hindi bumagsak kapag may dumating na unos.

04/03/2026

Lifetime guaranteed yearly allowance for your child! 😊

Option 1: Pay for 5 years
Option 2: Pay for 10 years

Starting Year 6, your child will start receiving guaranteed annual payouts for life.

Parang may lifetime allowance na sila habang lumalaki hanggang pagtanda. ✨

Kaya perfect talaga for kids’ future planning.

Sharing is caring. 🫶🏻
oabel_insuranceadvisor