01/05/2026
โ๐๐ช๐ฃ๐ ๐๐๐ฃ๐ช๐ฃ ๐๐๐ฃ ๐ก๐๐ฃ๐, ๐ง๐๐๐ช๐ฃ๐ ๐ฃ๐๐ฎ๐ค ๐ฃ๐ ๐ก๐๐ฃ๐ ๐ก๐๐๐๐ฉ ๐ฃ๐ ๐ฅ๐ง๐๐ข๐๐ช๐ข๐จ ๐ ๐คโฆ ๐๐ ๐ง๐๐ฃ ๐ฃ๐๐ข๐๐ฃ ๐๐ ๐ค ๐ฃ๐๐๐ ๐๐จ๐๐ ๐๐ฉ.โ
Isa ito sa pinaka-common na concern ng clients tungkol sa insurance ๐ฅ๐๐๐จ๐ก๐.
So, linawin natin:
๐๐ฌ๐๐๐ ๐ฃ๐๐ ๐๐ ๐ข๐๐๐ฅ๐-๐ง๐๐๐ช๐ฃ๐?
๐๐๐๐ฃ๐ค ๐ ๐ช๐ฃ๐ ๐ฉ๐ช๐ข๐๐๐๐ก ๐จ๐ ๐ฅ๐๐๐๐๐๐๐ฎ๐๐?
๐๐๐ฌ๐-๐ฌ๐๐ฉ๐๐๐ง๐๐ฌ ๐ ๐ค ๐๐ ๐ก๐๐๐๐ฉ ๐ฃ๐ ๐๐๐ฃ๐๐ฎ๐๐ ๐ ๐ค?
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โญ ๐ฆ๐ถ๐บ๐๐น๐ฎ๐ป ๐ป๐ฎ๐๐ถ๐ป ๐๐ฎ ๐ง๐ฒ๐ฟ๐บ ๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ
Ang insurance ay prepaid service.
Parang renta, binabayaran mo agad yung coverage for a specific period.
Halimbawa:
Yearly ang term mo โ nagbayad ka ngayon โ covered ka for 1 year.
Kapag di ka na nagbayad next year โ wala ka nang coverage.
โก๏ธ So may makukuha ka ba? ๐๐๐ก๐.
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โญ ๐ฃ๐ฎ๐ฎ๐ป๐ผ ๐ป๐ฎ๐บ๐ฎ๐ป ๐ธ๐๐ป๐ด ๐ฉ๐จ๐ (๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ + ๐๐ป๐๐ฒ๐๐๐บ๐ฒ๐ป๐)?
Kung tumigil ka (surrender),
mababalik ba lahat ng premiums mo?
โก๏ธ ๐๐๐ฃ๐๐ ๐ง๐๐ฃ.
Ang makukuha mo lang ay:
โ๏ธ ๐พ๐ช๐ง๐ง๐๐ฃ๐ฉ ๐๐ช๐ฃ๐ ๐๐๐ก๐ช๐ (๐ซ๐๐ก๐ช๐ ๐ฃ๐ ๐๐ฃ๐ซ๐๐จ๐ฉ๐ข๐๐ฃ๐ฉ ๐ข๐ค ๐๐ฉ ๐ฉ๐๐๐ฉ ๐ฉ๐๐ข๐)
Advantage:
โ๏ธ May protection ka na, may investment ka pa na pwedeng mag-grow over time.
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โญ โ๐ ๐ฎ๐ ๐ผ๐ธ๐ฎ๐ ๐ฝ๐ฎ ๐ฝ๐ฎ๐น๐ฎ ๐๐ฎ ๐ฏ๐ฎ๐ป๐ธ?โ
Tama! pero magkaiba sila ng purpose.
โ๏ธ Bank = savings / safekeeping ng pera
โ๏ธ Insurance = protection + financial security
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โญ ๐๐ป๐ผ ๐ฏ๐ฎ ๐๐ฎ๐น๐ฎ๐ด๐ฎ ๐ฎ๐ป๐ด ๐ฏ๐ถ๐ป๐ถ๐ฏ๐ถ๐น๐ถ ๐บ๐ผ?
Hindi lang โperaโ ang binabayad mo.
โก๏ธ Binibili mo ang ๐ฅ๐ง๐ค๐ฉ๐๐๐ฉ๐๐ค๐ฃ.
Halimbawa: โฑ3M coverage โ iyon ang value ng protection mo.
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โญ ๐ฆ๐ผ ๐ฏ๐ฎ๐ธ๐ถ๐ ๐๐ฎ๐น๐ฎ๐ป๐ด ๐ฟ๐ฒ๐ณ๐๐ป๐ฑ?
Simple lang.
โก๏ธ Nagkakaroon lang ng refund kung may defect ang product or service.
Kung maayos ang policy at naibigay ang coverage โ
walang ibabalik, dahil nagamit mo na ang serbisyo.
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โญ โ๐ฆ๐ฎ๐๐ฎ๐ป๐ด, ๐๐ฎ๐น๐ฎ ๐ป๐ฎ๐บ๐ฎ๐ป ๐ฎ๐ธ๐ผ๐ป๐ด ๐ป๐ฎ๐ด๐ถ๐ป๐ด ๐๐ฎ๐ธ๐ถ๐โฆโ
Try this analogy:
Nag-hire ka ng bodyguard.
Sweldo: โฑ5,000/month.
After 2 years โ naka โฑ120,000 ka na.
Wala namang nangyaring masama.
Pwede mo bang sabihin:
โRefund mo nga sweldo mo, wala ka namang ginawa.โ?
Diba hindi?
โก๏ธ Binayaran mo siya para protektahan ka โ kahit walang nangyaring risk.
Same with insurance.
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โญ ๐๐ถ๐ป๐ฎ๐น ๐ง๐ต๐ผ๐๐ด๐ต๐
Every day na in force ang policy mo,
the insurance company is ready to protect you.
โก๏ธ Hindi nasayang ang binayad mo.
โก๏ธ Ginamit mo ang serbisyo โ protection.
