22/09/2026
๐๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐ ๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐๐, ๐๐๐๐ ๐๐๐๐ ๐๐๐๐.
Recently, may nakausap akong prospect who was looking for insurance for her husband and kids.
Habang nag-uusap kami, napunta rin kami sa HMO and healthcare costs. We talked about how expensive hospitalization can beโeven just 1โ2 days can already mean a significant amount.
Then she mentioned something interesting.
May existing policy pala siya na binabayaran for around 5 years alreadyโฆ pero honestly, ๐ก๐ข๐ง๐๐ข ๐ง๐ข๐ฒ๐ ๐ญ๐๐ฅ๐๐ ๐ ๐ง๐๐ข๐ข๐ง๐ญ๐ข๐ง๐๐ข๐ก๐๐ง ๐ค๐ฎ๐ง๐ ๐๐ง๐จ ๐ฒ๐ฎ๐ง๐ ๐๐ข๐ง๐ข๐ฅ๐ข ๐ง๐ข๐ฒ๐.
It was a VUL.
So when she asked me for a new quote, ang initial preference niya was:
โ๐๐ซ๐๐๐ข๐ญ๐ข๐จ๐ง๐๐ฅ ๐ข๐ง๐ฌ๐ฎ๐ซ๐๐ง๐๐ ๐ง๐ ๐ฅ๐๐ง๐ , ๐๐ญ๐.โ
She was also thinking of stopping her existing policy.
Sabi ko, before making that decision, ๐ฅ๐๐ญโ๐ฌ ๐ซ๐๐ฏ๐ข๐๐ฐ ๐ฐ๐ก๐๐ญ ๐ฒ๐จ๐ฎ ๐๐ฅ๐ซ๐๐๐๐ฒ ๐ก๐๐ฏ๐.
Sayang naman yung years na binayaran mo if you haven't even had the chance to understand what the policy is doing for you.
I even offered to review her policy contract with herโno pressure to replace it, just so she can finally understand what she owns.
And then we talked about VUL.
One thing I pointed out is that a VUL is not simply โinsurance na may investment.โ There are different components, charges, fund values, and policy mechanics that you need to understand.
And depending on the policy, the fund value can also help support the policy when you're no longer actively paying premiumsโbut this is something that needs to be checked against the actual policy.
Then she said:
"๐ถ๐ ๐๐๐ ๐ฝ๐ผ๐ณโฆ ๐๐๐๐
๐ ๐๐๐๐ ๐๐๐๐๐-๐๐๐๐๐ ๐๐๐๐
.โ
And I think that's the realization I wanted her to have.
Hindi naman kasi always about VUL vs. traditional.
Sometimes, the bigger problem is simply not understanding the policy you already have.
So if you already have a VUL and you're thinking of stopping it because you feel like you don't understand it,
๐๐ฒ๐'๐ ๐ฟ๐ฒ๐๐ถ๐ฒ๐ ๐ถ๐ ๐ณ๐ถ๐ฟ๐๐.
Baka hindi mo kailangang palitan.
Baka kailangan mo lang maintindihan. ๐งก
