Marlon Lamparas - Insurance Advisor

29/01/2026

Isa na namang Gen Z life insurance application approved:

Appreciate na mga youth ngayon talagang aware sila Life Insurance.
Kaya ko nasabi kasi mga latest kong client ay below 25 years old.

My 20 years old client has secured a life insurance plan, featuring:
- income protection
- hospitalization benefits
- Savings and Retirement fund

Dahil bata at healthy pa si Client, affordable pa ang premium at ang bilis na approved 🎉🎉🎉

Thank you po for Choosing Manulife as your Life Insurance partner and me as your Insurance Servicing Agent, salamat po sa Dios.☺️💚

If you or someone you knew need a Life Insurance guidance, message niyo lang po ako.

12/01/2026

"Insurance payment , puede bang marefund? wala may nahitabo sa akoa"

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

Puede ba marefund?
Unsaon ron kung muhonong na sa pagbayad?
Ma withdraw pa ba nako ang akong premiums?

👉Sugdan nato sa Term Insurance

Ang term Insurance ang most affordable type of Insurance

Kung ang term insurance nimo ay yearly ang term, you pay now. Then covered ka.

Apan kung di naka magbayad next year, di na ka covered, ing ana lang ka simple.
Naa ba kay ma withdraw? Wala

🤔 Unsaon pod kung VUL or Variable Unit-Link ang gikuha nako? Insurance with Investment.
Pag moundang ba ko ( i surrender), ma withdraw ba nako ang tanang "premiums" nga gibayad nako?

👉Dili.

Ang ma withdraw lang nimo ay ang current value sa investment side sa imong policy.(Fund Value)

🤔Nganong ing ana mana?
Mas maayo sa banko nalang. Pag magdeposit ko, mawithdraw nako kung pila ang akong gedeposit

👉Opo, mao nay purpose sa banko.

👉Iba ang purpose ng insurance. Iba rin ang investment.

👉 Take note, sa Insurance, ang gi avail nmo ang SERBISYO sa Insurance Contract. Kung 2 Million death benefit yan, mao na ang imong gi avail

👉 So, nganong wala may refund sa Insursnce?

Pag mupalit ba ka og usa ka butang o serbisyo, kanus-a lang naay refund? Unsa ang refund policy
- kapag naay DEFECT.
Eh kung walay defect ang policy.., walay refund.

🤔Wala man ko nagkasakit , sayang lang gibayad nako

👉Tagaan tika og analogy, nag hire ka og bodyguard to protect you from harm, ginaswelduhan nimo og 5k kada buwan
After 2 years, nakapasahod naka og 120k, wala may ming atake sa imiuha.

Puede ba nimo ingnon imong bodyguard na " Kuhaon na nako ang 120k nga gisweldo nako sa imuha kay wala man ko napahamak ".

Unsa kahay response sa bodyguard 😅?

👉Same concept.
You buy insurance to get the service of protection. ,

Kada oras nga molabay nga IN FORCE ang imong Insurance Contract, obligado ang Insurance Company nga tumanon ang contrata

So ang Insurance charges nga ginabayad nimo out of your premium, doon napupunta.

Wala sya nasayang.

Unta nakatabang,
To know more on Life and Health Insurance,
Message niyo lang po ako

Marlon Lamparas,
Licensed Insurance Agent
MANULIFE Philippines

06/01/2026

Kapag nagsusulat ako about sa kahalagahan ng insurance, madalas akong mapagkamalang insurance agent.

I think masyado nang malaki ang damage ng insurance industry kaya feeling ng iba ay kapag merong nagpo-post about sa insurance, ina-assume na bebentahan ka lang.

Sana lang talaga ay ayusin nila ang pagpili ng mga agents na iha-hire nila.

04/01/2026

𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀, Hindi pa naman natin talaga kailangan yan.

Pero ang tanong, kung kailanganin na, makakakuha pa ba tayo?

🧯Hindi tayo pwedeng kumuha ng 𝗙𝗶𝗿𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag sunog na yung establishment mo.

🚗 Hindi tayo pwedeng kumuha ng 𝗖𝗮𝗿 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag nabangga na yung sasakyan.

😷 Hindi na tayo pwedeng kumuha ng 𝗛𝗲𝗮𝗹𝘁𝗵 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag may sakit na.

⚰️ At mas lalo namang hindi na makakakuha ng 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 kapag wala na din tayo.

Ang. Life and Health Insurance, kinukuha talaga siya HABANG DI PA ITO KAILANGAN.

LET'S NOT DELAY OUR INSURANCE DAHIL WE'LL NEVER KNOW WHEN WE ARE GONNA NEED IT

Message me for more info!📩

Marlon Lamparas
Life and Health nsurance Advisor
MANULIFE Philippines

30/12/2025

Client :Paano po ba yang Income Protection sa Life Insurance ?

Answer: Ito ay equivalent ng 5-10 years mo na income at kung sakaling mawala ka man may magpapatuloy na income sa family mo at ito ay LUMP SUMP AMOUNT NG LIFE PROTECTION COVERAGE mo,
Pwede mo naman talaga pag ipunan, ang tanong gaano katagal?

Sabihin na nating kaya mong magtabi ng
Php 2,500 per month. (₱2500x 12mos x 35years) You need 35years to reach that 1 MILLION in saving alone. 🤯

35 YEARS! Sapat ba ang oras naten considering ilang taon ka na ngayon? Tandaan! di forever ang lakas at di naten controlado ang mga pwedeng mangyari saten.

————

Client : Yung Php 2,500/month* ko ba kaya umabot ng 1 Million para saking Life Insurance?

Answer: Definitely YES, may INVESTMENT ka pa. Kahit 1 quarter pa lang ang nababayaran mo (equivalent to Php 7,500), mabibigay na agad ang 1 MILLION coverage mo sa family mo just incase may di inaasahang mangyari sayo.

P.S. Insurance coverage starts at DAY 1 (on its approval date). At kahit kaka-sign mo pa lang, habang pinaprocess pa yung application,
covered ka na dahil sa "Temporary Insurance." 🙂

Mas ok na option diba? Kung may 30 Million clients na ang kumpanya ko sa buong mundo, di ka pa ba makiki-isa sa magandang pagbabago at proteksyon na ibibigay sayo at sa pamilya mo?

Sana po nakatulong
Kung Interested ka. Tara, usap tayo. 😉

*Insurance premium amount varies depending on client's age and other factors.

Marlon Lamparas
Life Insurance Advisor
MANULIFE Philippines

27/12/2025

Interested?
Message nyo lang po ako 😊📩

Your child’s well-being is your greatest investment. Give them healthcare coverage na hindi bitin.

Make the MOVE with Manulife Medical Secure.​ Learn more: https://www.manulife.com.ph/products/health/medical-secure.html

​

22/12/2025

Protect yourself and your loved ones with Manulife HealthFlex and get critical illness coverage until age 100—so you can focus not just on adding years to your life, but adding life to your years.

​Learn more: https://www.manulife.com.ph/products/health/health-flex.html

​

22/12/2025

Stay in control this holiday season! Access your policy anytime for payments, updates, and more.🎄✨

Don't have a Manulife account yet? Download the app today and create an account using your Manulife-registered email address, mobile number, and date of birth. 📱

Google Play: https://bit.ly/3Fdf8rm
App Store: https://apple.co/4j3tTen

13/12/2025

Philippine Social Security System - SSS- SSS and Manulife Philippines Manulife strategic Partnership in securing SSS Loans is now protected by Manulife!

To know more on Credit Life Insurance, message nyo po ako

11/12/2025

If you are your children’s one and only, having life insurance is even more critical. It’s a financial safety net that can help alleviate some of the worries of the unknown.

11/12/2025

No matter how prepared you are, critical illness can still strike unexpectedly. ​​Protect your health with Manulife HealthFlex for coverage of up to 100 critical illnesses.

Take your healthcare further with Manulife.​ Learn more: https://www.manulife.com.ph/products/health/health-flex.html

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