Pru Life UK Financial Consultant - Marla Garcia

06/03/2025

𝐃𝐀𝐋𝐀𝐖𝐀 𝐋𝐀𝐍𝐆 𝐍𝐀𝐌𝐀𝐍 𝐀𝐍𝐆 𝐏𝐖𝐄𝐃𝐄𝐍𝐆 𝐌𝐀𝐍𝐆𝐘𝐀𝐑𝐈

𝐔𝐍𝐀:
"𝘞𝘩𝘢𝘵 𝘪𝘧 𝘐 𝘥𝘪𝘦 𝘵𝘰𝘰 𝘴𝘰𝘰𝘯?"
𝑨𝒏𝒔𝒘𝒆𝒓: 𝑳𝑰𝑭𝑬 𝑰𝑵𝑺𝑼𝑹𝑨𝑵𝑪𝑬
Kahit wala ka na, you are continously providing padin sa family mo thru the insurance na maiiwan mo.

𝐏𝐀𝐍𝐆𝐀𝐋𝐀𝐖𝐀:
"𝘞𝘩𝘢𝘵 𝘪𝘧 𝘐 𝘭𝘪𝘷𝘦 𝘵𝘰𝘰 𝘭𝘰𝘯𝘨?"
𝑨𝒏𝒔𝒘𝒆𝒓: 𝑰𝑵𝑽𝑬𝑺𝑻𝑴𝑬𝑵𝑻

Habang kumikita ka, invest a portion of your money, so that in the future meron kang gagamitin for your retirement, kid's education, business and other major purchases.

✅𝐈𝐍𝐒𝐔𝐑𝐀𝐕𝐄𝐒𝐓 𝐈𝐒 𝐓𝐇𝐄 𝐊𝐄𝐘!

Message me for free consultation 📩

16/02/2025

🤔

A common myth among high-net-worth individuals is, “I don’t need insurance. It’s for people with limited resources.” While it’s true that wealth provides a financial cushion, insurance plays a critical role in protecting and growing that wealth.

In fact, insurance was created by the wealthy, for the wealthy, to ensure they stayed wealthy. It is a tool designed not for those with little to protect, but for those with substantial assets to safeguard. Think of it this way: If you own both a bicycle and a car, which one are you more likely to insure? The car, of course—because it has far more value to protect. The same logic applies to insurance for the wealthy.

✅ Preserve Wealth – Protect assets from lawsuits, taxes & downturns
💰 Ensure Liquidity – Cover obligations without selling assets at a loss
🏛 Legacy Planning – Pass on wealth efficiently & tax-free
🎗 Philanthropy – Fund charities without depleting core assets
⚖ Risk Mitigation – Stay secure against health issues & liability claims

Wealth doesn’t eliminate the need for protection—it amplifies the need for strategic planning. Insurance isn’t a tool for the poor; it’s a strategy for the rich to stay rich. By insuring what’s valuable, just like you would a car over a bicycle, you’re ensuring your assets remain protected and your legacy intact.

Even the wealthiest empires use insurance to safeguard their future. Why shouldn’t you? Let’s ensure your wealth works harder and smarter for generations to come.

28/09/2024

"Do not delay in buying a life insurance policy." 🥰

Life insurance premiums are much cheaper if you buy it before you hit 30. Just remember to buy a policy you can afford and from a competent advisor you can trust. And for your peace of mind, you may want to limit your choices to those among the top 10 life insurance companies.

27/09/2024

🤩

Maybe this time… we are wiser and more prepared.

Maybe this time, you will consult your financial advisor on how to reach your financial goals.

11/09/2024

Why we should buy insurance when we are young and healthy?

07/08/2024

PRUTips for you.... 💖

31/07/2024

❤️😍

Pru Life UK wins as Best Life Insurer! 🏆✨

Insurance Asia News has honoured Pru Life UK with the 2024 Country Awards for Excellence, a prestigious accolade celebrating our incredible agency force, dedicated employees, and loyal customers.

Join us as we celebrate excellence and fuel our relentless commitment to being every Filipino’s trusted partner and protector. 🌟

Read more here ↓:
https://rb.gy/dmjeet

23/07/2024

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.
Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

02/07/2024

Insurance is a guaranteed growth product; when you die, your family will get MORE than what you gave me as a financial advisor. Use it to create the perfect gift of Love for your Family.

It's your GIFT, make it memorable.

If you are a client reading this: Speak to your financial advisor today and read up to self-educate.

If you are a financial advisor reading this: Please share this with your clients and friends who you think should be aware of this.

21/05/2024

𝗝𝘂𝗺𝗽 𝘀𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝗰𝗮𝗿𝗲𝗲𝗿 𝗶𝗻 𝗣𝗥𝗨 𝗟𝗜𝗙𝗘 𝗨𝗞.
𝗕𝘂𝗶𝗹𝗱 𝗮 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗮𝗻𝗱 𝗯𝗲 𝗮 𝘀𝘂𝗰𝗰𝗲𝘀𝘀𝗳𝘂𝗹 𝗼𝘄𝗻𝗲𝗿. ✨

Curious about PRU, attend our Career Preview via ZOOM.
Message me for more details.

20/05/2024

01/05/2024

Hurry, limited offer only!!!