Allianz Life Changer- Princess Donalyn Bayucan

19/04/2023

*WORTH READING*

A friend once told me:

"Ayoko ng insurance kasi unang una, pinapayaman mo lang ang ahente dyan."
My friend didn't know that I am already part of the industry. And when I told her that I'm also a financial advisor, I saw a hint of embarrassment on her face. But don't get me wrong, I still love my friend despite her statement. Hahaha! It just made me realize though, that it could be one of the many reasons (or excuses) why most people don't want to get insurance.

And because of that assumption, a lot of people lose the opportunity to prepare!
I was like, they don't know what they are missing!

What they don't realize is that:

1. Putting ALL their money in the bank and letting it hang there with a very small interest cannot keep up with inflation;

2. Buying a lot of properties that they want to be passed on to their heirs when they die, not realizing that their heirs won't be able to get it unless they pay the estate tax (6% of the total value of the property);

3. Putting ALL their money in the stock market, not realizing that this is also subject to estate tax;

4. Solely depending on their company's health benefits as if they will be an employee forever.

But here are the realities of life:

1. Insurance nowadays can be enjoyed even when you are still alive (for retirement purposes);

2. We cannot escape these two things: DEATH AND TAXES

3. YOU DON'T WANT TO BE AN EMPLOYEE FOREVER. Sooner or later you also want to retire comfortably;

4. Illness, be it minor or critical, normally comes when you are old and can no longer provide for yourself.

5. Sooner or later your kids will go to college and you would want them to go to the best school.

6. SINANAY MO ANG PAMILYA MO SA GANYANG LIFESTYLE BUWAN BUWAN, do you expect them to immediately adjust to a lifestyle that they are not used to when you are gone?

So guys, if you can only promise all the financial advisors these three things:

1. YOU WON'T GET OLD
2. YOU WON'T GET SICK
3. YOU WON'T DIE

YOU DO NOT KNOW WHAT YOU ARE MISSING. Financial advisors can always get another believer and turn them into a client, but you can NEVER GET ANOTHER INSURANCE if you are already sick or when you're already dead.

Message me for free financial quotation.

13/04/2023

𝐒𝐇𝐎𝐔𝐓𝐎𝐔𝐓 𝐓𝐎 𝐀𝐋𝐋 𝐁𝐑𝐄𝐀𝐃𝐖𝐈𝐍𝐍𝐄𝐑𝐒

𝐖𝐡𝐲 𝐝𝐨 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
Kasi kaya ka nagta-trabaho dahil sa pagmamahal mo sa pamilya mo, you are providing their needs and wants. At kung dumating man ang oras na mawala na tayo sa picture, tuloy-tuloy pa rin ang income na pino-provide mo thru life insurance.

𝐁𝐚𝐤𝐢𝐭 𝐦𝐨 𝐧𝐚𝐦𝐚𝐧 𝐤𝐚𝐢𝐥𝐚𝐧𝐠𝐚𝐧 𝐧𝐠 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
Dahil ang sakit pwedeng dumapo sa kahit sino at sa di inaasahang oras. Kung sakaling ikaw yun, sino ang inaasahan mong tutulong sa’yo to pay for the hospital bills kung ikaw lang ang nagta-trabaho sa pamilya mo? Paano kung di kasya ang ipon mo? Paano ka pa makakapag-trabaho? Yung health insurance ang tutulong sayo.

12/04/2023

Sabi nga kay Jollibee bida ang saya. Pero wala nang mas sasaya pag buo ang pamilya.

𝐏𝐀𝐑𝐀 𝐒𝐀 𝐊𝐀𝐍𝐈𝐋𝐀 (𝑳𝒊𝒇𝒆 𝑰𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒊𝒔 𝑳𝒐𝒗𝒆 𝑰𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆)

Biliang isang anak may mga pinaka importanteng parte or role tayo na gusto natin ibigay sa para sa kanila isa na rito ang ma-insure ang ating mga sarili. But it is also important for us to insure our parents.

Why?

Because we don't know if bad things are bound to happen, Insurance plans will help you pay for medical emergencies, hospitalization, contraction of any illnesses and treatment, and medical care required in the future.

While you are taking good care of your family, with a comprehensive protection plan, 𝐰𝐞 𝐜𝐚𝐧 𝐚𝐥𝐬𝐨 𝐭𝐚𝐤𝐞 𝐜𝐚𝐫𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐝𝐫𝐞𝐚𝐦𝐬 𝐲𝐨𝐮'𝐯𝐞 𝐛𝐮𝐢𝐥𝐭 𝐟𝐨𝐫 𝐭𝐡𝐞𝐦.

And as for everyone, don't be hesitant to Insure your parents as well.

Willing to help you,
Princess Donalyn Bayucan
Allianz Life Changer

12/04/2023

M U S T W A T C H ‼️‼️

10/04/2023

Live within your means! 💯

08/04/2023

Lahat tayo! 😊

Lahat tayo aasenso ✨🤲🏻

04/04/2023

Your will be done! 🙏🙏🙏

31/03/2023

Ano nga ba si VUL?

Marami siguro sa atin madalas marinig si VUL or Variable Universal Life, ngunit marami rin sa atin ay walang idea kung ano nga ba ito?

Si VUL ay combination siya ng Insurance and Investment, dito hindi mo lang siya magagamit sa mga hindi inaasahang bagay gaya ng Pagkakasakit, Kamatayan o iba pang mga bagay. Dito kahit na buhay ka maaari mo siyang magamit dahil sa investment portion nito. Ang maganda pa dito maaaring mag-grow yung fund mo.

Sa madaling salita, INSURED KA NA, MAY INVESTMENT KA PA! 😊

Marami ka ring pwedeng gawin kay VUL, maaari mo siyang gamitin for:

✅️Educational Fund
✅️Retirement Fund
✅Business
✅Travel

At marami pang ibang bagay...

I-message mo lang ako kung interesado ka. 😊

30/03/2023

𝐄𝐃𝐔𝐂𝐀𝐓𝐈𝐎𝐍𝐀𝐋 𝐏𝐋𝐀𝐍 📚✏️

“𝘾𝙡𝙞𝙚𝙣𝙩: 𝙋𝙖𝙖𝙣𝙤 𝙠𝙤 𝙢𝙖𝙜𝙖𝙜𝙖𝙢𝙞𝙩 𝙨𝙖 𝙚𝙙𝙪𝙘𝙖𝙩𝙞𝙤𝙣 𝙛𝙪𝙣𝙙𝙞𝙣𝙜 𝙖𝙣𝙜 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙣𝙖 𝙠𝙪𝙠𝙪𝙣𝙞𝙣 𝙠𝙤?”

Ganito yun ma’am/sir, habang nagbabayad ka ng insurance mo regularly ini-invest ng company ang portion ng pera mo sa iba't ibang investment platforms like funds, bonds or stocks so intime may tinutubo ang pera.

At ang tubo na yun or fund value ay maaari mong i-withdraw sa oras na mag-college na si baby.

Yes! Ang perang tinubo ng investment mo ay maaari mong gamitin habang buhay ka pa. Magnegosyo, magtravel o magpagawa ng rest house. At the same time, hindi nababawasan ang sum assured ng insurance mo. Kung 5M man yan, may 5M ka pa ring maiiwan sa pamilya plus ang tinubo pa ng pera mo.

Message me and know more about Protection, Savings and Investment, Educational Funding and Retirement Planning. 🙋🏼‍♀️

28/03/2023

A story to tell

𝐖𝐢𝐟𝐞: Hindi natin priority ang Life Insurance.

𝐇𝐮𝐬𝐛𝐚𝐧𝐝: Pero kailangan natin ng protection.

𝐖𝐢𝐟𝐞: Uunahin mo pa ba yan kesa sa Bayarin sa bahay? Tuition ng mga anak mo? Monthly payment ng Sasakyan natin? Mga travel vacation? Internet at cable bills? Car Insurance? Etc....

𝐇𝐮𝐬𝐛𝐚𝐧𝐝: Ok! kaw naman nagba-budget.

𝐖𝐢𝐟𝐞 : Oo ayos lang yan, sabihin mo sa Advisor mo nexttime nalang at may savings account ka naman.

𝙏𝙝𝙚𝙣 𝙨𝙖 𝙝𝙞𝙣𝙙𝙞 𝙞𝙣𝙖𝙖𝙨𝙖𝙝𝙖𝙣𝙜 𝙥𝙖𝙜𝙠𝙖𝙠𝙖𝙩𝙖𝙤𝙣 𝙣𝙖-𝙙𝙞𝙨𝙜𝙧𝙖𝙨𝙮𝙖 𝙨𝙞 𝙝𝙪𝙨𝙗𝙖𝙣𝙙, 𝙢𝙖𝙡𝙖𝙠𝙞𝙣𝙜 𝙜𝙞𝙣𝙖𝙨𝙩𝙤𝙨 𝙨𝙖 𝙝𝙤𝙨𝙥𝙞𝙩𝙖𝙡 𝙖𝙩 𝙢𝙜𝙖 𝙜𝙖𝙢𝙤𝙩 𝙥𝙚𝙧𝙤 𝙝𝙞𝙣𝙙𝙞 𝙙𝙞𝙣 𝙣𝙖𝙜𝙩𝙖𝙜𝙖𝙡 𝙖𝙩 𝙠𝙞𝙣𝙪𝙝𝙖 𝙣𝙖 𝙣𝙞 𝙇𝙤𝙧𝙙.

The Wife without any source of income na umaasa lang sa husband, bigla nya naisip na sana kung may Life Insurance lang sana si Husband hindi sana naghihirap at iniisip san kukunin ang Bayarin sa bahay, Tuition ng mga anak, Monthly payment ng sasakyan, Etc...”

𝙇𝙀𝙎𝙎𝙊𝙉:

𝗛𝘂𝘄𝗮𝗴 𝗽𝗼 𝗻𝗮𝘁𝗶𝗻 𝗵𝗶𝗻𝘁𝗮𝘆𝗶𝗻 𝗺𝗮𝗴𝗶𝗻𝗴 𝘄𝗶𝗱𝗼𝘄 𝗯𝗮𝗴𝗼 𝗺𝗮𝗶𝘀𝗶𝗽 𝗮𝗻𝗴 𝗸𝗮𝗵𝗮𝗹𝗮𝗴𝗮𝗵𝗮𝗻 𝗻𝗴 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲.
𝗘𝘁𝗼 𝗱𝗮𝗽𝗮𝘁 𝗮𝗻𝗴 𝗶𝘀𝗮 𝘀𝗮 𝗣𝗥𝗜𝗢𝗥𝗜𝗧𝗬 𝗱𝗮𝗵𝗶𝗹 𝗵𝗶𝗻𝗱𝗶 𝗻𝗮𝘁𝗶𝗻 𝗮𝗹𝗮𝗺 𝗸𝘂𝗻𝗴 𝗸𝗮𝗶𝗹𝗮𝗻 𝘁𝗮𝘆𝗼 𝗸𝘂𝗸𝘂𝗻𝗶𝗻 𝗻𝗶 𝗟𝗼𝗿𝗱.

𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳, 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝘆𝗼𝘂𝗿 𝗟𝗼𝘃𝗲𝗱 𝗼𝗻𝗲𝘀.
𝗕𝗲 𝗶𝗻𝘀𝘂𝗿𝗲𝗱!

𝗧𝗵𝗲 𝗙𝗶𝗿𝘀𝘁 𝘁𝗶𝗺𝗲 𝗻𝗮 𝗺𝗮𝘆 𝗺𝗮𝗴-𝗼𝗳𝗳𝗲𝗿 𝘀𝗮 𝗶𝗻𝘆𝗼 𝗻𝗴 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲, 𝗽𝗮𝗴-𝗶𝘀𝗶𝗽𝗮𝗻 𝗺𝗮𝗯𝘂𝘁𝗶 𝗱𝗮𝗵𝗶𝗹 𝗯𝗮𝗸𝗮 '𝘆𝗼𝗻𝗴 𝗮𝗱𝘃𝗶𝘀𝗼𝗿 𝗻𝗮 𝗹𝗮𝗴𝗲 𝗻𝘆𝗼𝗻𝗴 𝗯𝗶𝗻𝗮𝗯𝗮𝗹𝗲𝘄𝗮𝗹𝗮 𝗮𝘆 𝘀𝘆𝗮 𝗽𝗮𝗹𝗮𝗻𝗴 𝗺𝗮𝗴𝗯𝗶𝗯𝗶𝗴𝗮𝘆 𝗻𝗴 𝗯𝗮𝗴𝗼 𝗻𝘆𝗼𝗻𝗴 𝗽𝗮𝗻𝗶𝗺𝘂𝗹𝗮.

𝗧𝘂𝗹𝗼𝘆 𝗮𝗻𝗴 𝗺𝗮𝘀𝗮𝗴𝗮𝗻𝗮𝗻𝗴 𝗽𝗮𝗺𝘂𝗺𝘂𝗵𝗮𝘆 𝗸𝘂𝗻𝗴 𝗺𝗮𝘆 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗴 𝗯𝘂𝗵𝗮𝘆.

Message me for free financial planning📩
Princess Donalyn Bayucan

27/03/2023

May pa-graduation si Allianz! Haha

24/03/2023

Kadalasan, budget ang dahilan for not prioritizing insurance, which is a valid reason kasi paano nga naman masu-sustain ang premium payments kung maraming financial obligations?

But dear breadwinners -- please know your options first before you say no to insurance. There are many licensed and knowledgeable Financial Consultants who really care, and can design a plan na pasok parin sa budget ninyo.

You don't have to start big. Mas importante na may protection coverage parin tayo dahil financial safety net ito. 🙏 And if you really cannot afford it now, at least may idea ka na and pwede pang mapaghandaan soon.

Feel free to message me for a commitment-free financial coaching session. 😊 Baka maka-help din ako if you're looking for an extra stream of income.

Stay safe! 💙

_______
Your Allianz Life Changer,
PRINCESS DONALYN BAYUCAN
Licensed Financial Advisor