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Norman F. Chua, Unionbank Relationship Manager

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Norman F. Chua, Unionbank Relationship Manager

I provide my expertise in helping people create their personalized financial portfolio. This helps t

28/04/2024

LIFE INSURANCE AS AN ESTATE PLANNING SOLUTION

Even lawyers will agree that life insurance is the best option for estate planning.

Best to review your existing insurance coverage. You may call your insurance advisor or if they are no longer available or you still don't have one, you may set an appointment with me for a free exploratory discussion or assessment.

There are concrete ways on how to use life insurance for estate planning. You may not think of life insurance in that light before. Nothing to loose, all for you to gain knowledge and protection of your hard earned assets.

The greatest value of life insurance as an estate planning tool is that it enables an estate owner to plan for the future of his family and estate, including the payment of taxes, in a right and legal way; and in a way that will not require him to relinquish control or engage in under-the-table-dealings either with government agencies or private financial institutions.

While other “practical” solutions look for ways of avoiding and even evading taxes, life insurance provides the money to pay for taxes. While other tax avoidance schemes result in premature loss of control, possession and enjoyment of one’s property, life insurance allows the estate owner to retain ownership of his property without having to worry about death taxes when the time comes.

And yes, with life insurance, you don't actually pay for taxes. You only pay for insurance premiums, a tiny fraction of the future tax liability, to ensure that money becomes available when it is needed most.

So simple yet so practical and beneficial.

It's about time you prioritize this today. Tomorrow, next week, next month or next year could be too late already.

Be wise and act now. 👍

11/09/2023

Believe that your family needs you to secure their future financial needs and one of the best option for that, is a life insurance policy.

06/07/2023

Inflation hits 5.4% for June 2023 📉

This is way above the 2% to 4% that the BSP targeted for the year. Higher food & oil prices, US Dollar, looming El Nino and the impact of the upward wage & fares adjustment have contributed to push it to be higher. 📊

Sadly Bank Savings Account interest is still only at 0.25% 😰

Now we can either react to this out of fear or we do what we can to earn more and beat inflation. 🤔

There's nothing we can do on a personal level about how the economy works but we can control our level of income. 💵

The best way to beat inflation is to invest and do business in avenues that will definitely beat 5.4%. We have our financial futures in the palm of our hands.

Let me guide and discuss to you your options on how to build a solid financial portfolio today. Think GLOBAL TECH DIVERSIFICATION!!!🧑‍💻🧡

20/05/2023

🚨 NO Annual FEE For Life!!! 🚨

UnionBank Gold Visa Card 💳

✅ With Unlimited Access to Naia 1 & 3 Lounge for International Flights 🧳✈️

✅ Points can be Converted to Mabuhay Miles 📊

*Must have existing credit card with other banks for more than 6 months to qualify for the No Annual Fee Promo❗❗❗

Direct Message me your email address, I will send you the list of requirements and application form 💻📩🧑‍💻

18/02/2023

Summer is almost here 🛫🏄🏖️🌞🙂

Time to apply for a credit card as early as now. 💳

Open for the 1st time applicants.

Or as an additional card.

We also have options for those who are always declined, but do not know why they are being declined. Let me assist you.

BPO and Freelancers are welcome to apply.

Direct message me your email address, so I can send you the list of requirements and application form. 📩

Unionbank Relationship Manager here, definitely "NO PROCESSING FEE" 😊👍

14/02/2023

February is Love Insurance Month ❤️

04/01/2023

At what stage are you right now?

Would you like to learn your best options to complete a full cycle and make it an infinite cycle?

You need to give enough time to sit down on it, prioritize it this time and make that commitment today. A few hours of exploratory discussion can make a lifetime difference.

Say yes and let me share with you my expertise.

27/12/2022

First time credit card applicant?

-Let me guide and assist you.

Considering to add another credit card? Do you prefer a Platinum Card that either offers a guaranteed cash back or with unlimited access to an airport lounge?

-Let me present to you, your best options.

Having problems getting a credit card due to your occupation or does not know the reason why you are being rejected or denied?

-Let's discuss your situation and see what we can do, so you would know the best way to apply for an approval.

*Having a credit card is important. If used responsibly, you can experience more convenient features and enjoy more benefits versus paying or transacting via cash.

Feel free to inquire or signify your interest either commenting or directly sending me a direct message. 👉📨😊

29/11/2022

Let me create and manage for you a risk-proofed financial portfolio.

An hour of exploratory talk, may provide you and your family a life-changing event.

Yesterday was the best time.
Today is a good time to seize the opportunity.
Tomorrow might be too late.

Make a wise decision today.

20/11/2022

‼️‼️ GET PHP 5,000 CASHBACK ‼️‼️

Apply for a UnionBank CASHBACK card (gold/platinum) and get 1% CASHBACK on all your purchases forever!

PROMO: get FREE Php 5,000, with a minimum spend of P40,000 within 60 days upon receipt of receipt of card. ⭐️

🚨 NON CARDED? I got U! Apply for your first Credit card with UNIONBANK. 🧡

CARDED ALREADY? Apply for an additional credit card! 🚨

Prepare the following:
✅ Valid Govt issued ID
✅ 3 month payslip and COE(issued in the past 30 days) /ITR
✅ Latest Utility bill or Proof of billing under your name

Qualifications:
⭐️ Locally employed or with Local Employer
⭐️ BPO employees can apply
⭐️ Freelancer : certificate of earnings/ employment
⭐️ Regular Employee or 1 year Self-Employed (registered business
⭐️ without existing credit card should have atleast 250k annual gross income minimum
⭐️ with existing credit card with more than 6 months should have at least 180k annual gross income minimum

PM ME FOR ASSISTANCE.

Directly send me a message and I will send you the application form. 🧡

⚠️ NOTE: Promos are only applicable for NEW TO BANK principal cardholders! ⚠️

Norman Chua
[email protected]
Relationship Manager
UnionBank of the Philippines

19/07/2022

⚠⚠⚠Please Read ⚠⚠⚠

Client: Meron na ako insurance eh. Di ko na need ng additional.

Me : Ano po pala coverage na nakuha nyo?

Client: 500k face amount/Death Benefit

Me: Sir, okay na po ba yan for you? Parang di po bagay sa lifestyle, work status nyo and sa laki po ng family since breadwinner pa kayo. 😅

Client: Okay na sakin yan basta meron.

Me: Okay po. Pero let me show you a sample computation. If you were taken away from the picture unfortunately, your wife/husband and 2 kids will then receive the 500k.
If let's say 15 years nyo pa po sila susuportahan until your kids can become stable and get a job. 500k / 15 years / 365 days, that will be around 92 pesos per day.

So sir let me ask you again.

Sapat na po ba yan for your family? Anong flavor po ba ng pancit canton favorite nyo? Chilimansi or sweet and spicy?

Because with that coverage, that's all they will be able to afford.
Client: uhmm??? 😲
_____________________

Know the right amount of your life insurance. 👌
Know your value.
If you need help magkano ba ang enough coverage..
Feel free to message me!🤗

Address

Annapolis Street Corner Missouri St
San Juan
1502

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