Marami nang naglabasan na Investment ngayon at marahil ay narinig muna ang VUL,
Pero para ba to sa lahat?
Bagay ba sakin 'to?
Teka, Ano nga ba ang VUL?
VUL means Variable Unit Link.
Para mas madali nating maintindihan, VUL ay parang isang “value meal”.
Value Meal , meron kang Foods and Drinks in one meal.
VUL, meron kang Insurance and Investment in one plan as well.
Pag bumili ka ng isang Value Meal, you have something to eat and drinks as well
which is may option ka kung Large o Regular lang, o kahit anong drinks pa yan (tea o juice?) ‘di ba?
In VUL, on the other hand, you buy Insurance
(for your Protection and Families Income Continuation)
and good thing via Investment component (Mutual Funds) walang tapon ‘yung pera mo
dahil pag hindi nagamit ang Insurance (‘un ung gusto nating lahat syempre :) )
your Investment will help you to grow your money.
dahil pag hindi nagamit ang Insurance (‘un ung gusto nating lahat syempre :) )
your Investment will help you to grow your money.
Just like in Value meal you can choose what drinks you want,
in VUL you can choose what type of Investment (Conservative, Moderate and Aggressive)
you want na babagay at best sa’yo sa tulong ng Financial Advisor mo.
in VUL you can choose what type of Investment (Conservative, Moderate and Aggressive)
you want na babagay at best sa’yo sa tulong ng Financial Advisor mo.
Most Importantly, you solved two problems;
Sa Value Meal,
Food - Hunger
Drink - Thirst
In VUL,
Insurance - Protect what you have ; Prevent you and your loved ones becoming Poor
Investment - Grow what you have ; Simply to make you Rich!
Simply VUL helps you to BUILD SOLID FINANCIAL FOUNDATION.
What are the Benefits of VUL?
1. Hitting two birds in One Stone - VUL answers Two (2) IF’s in our lives.
* What IF we DIE TOO SOON?
Paano na nag PAMILYA natin na UMAASA sa atin?
Paano na ang mga PANGARAP natin para sa kanila?
Paano na ang EDUKASYON nila?
Anong iiwan natin, Yaman o UTANG? :(
* What IF we LIVE TOO LONG?
Problema ba ‘to? :) Honestly sabi nga ng mga Clients ko, MAS Malaking PROBLEMA!
Pag nagretiro tayo, TIGIL ang INCOME pero ang GASTOS WALANG TIGIL,
MAS MALAKI pa!
Paano kana? San ka aasa?
Sa anak mo? Sa Pension mo?
O Patuloy na Magtatrabaho para may PANGTUSTOS sa gastusin at Gamot mo?
O Patuloy na Magtatrabaho para may PANGTUSTOS sa gastusin at Gamot mo?
In VUL, you solve this 2 Major problems sa buhay natin :)
2. More Sidings - Third (3rd) IF’s in our lives.
* What IF we DIAGNOSED FOR CRITICAL ILLNESS / DISABILITY?
Buhay na Patay - ‘yan ‘ung madalas na sinasabi natin kapag tinamaan tayo ng malulubhang
sakit o madisable tayo at ang PINAKAMASAKIT pa jan,
MAUUBOS lahat ng NAIPUNDAR mo (BAHAY, LUPA, KABUHAYAN, etc.)
at MANGUNGUTANG kapa para may maipangpagamot,di ba? :(
sakit o madisable tayo at ang PINAKAMASAKIT pa jan,
MAUUBOS lahat ng NAIPUNDAR mo (BAHAY, LUPA, KABUHAYAN, etc.)
at MANGUNGUTANG kapa para may maipangpagamot,di ba? :(
This is one of the great thing in VUL, you can attach Accident and Health component to your plan.
Health Plan/Product that can show you some of the benefits;
*Lump Sum Cash Benefit - If you diagnosed with any of the 56 covered Critical Illness
(Best thing here is, you will then be exempted from your future payment while your plan benefits continue).
(Huge help to prevent you using your savings/investment to treat your illness)
*Advance 25% of Critical Illness Cash Benefit - If you diagnosed with another
11 covered early stage conditions , up to 4 times to help you with a speedy recovery.
*Advance 25% of Critical Illness Cash Benefit - If you diagnosed with another
11 covered early stage conditions , up to 4 times to help you with a speedy recovery.
(Huge help to prevent you using your savings/investment to treat your illness)
*Hospital Confinement Benefit - Get a Reimbursable Fund benefit each day of your
Hospital confinement up to 30 days.
Hospital confinement up to 30 days.
*Long Term Hospitalization Benefit - Get a Reimbursable Fund benefit each day of your Hospital
confinement if more than 30 days confinement.
confinement if more than 30 days confinement.
*So on and So forth....
3. Short term depositing period - You can get a VUL Plan for only 3, 5, 7 or 10 years term.
4. Your Gains are Tax free - YES! You read it right.
If you’re investment grows, the gain you will get are tax free!.
And if you’re taken out of the picture too soon,
you’re family/loved ones get their benefits free of charges.
you’re family/loved ones get their benefits free of charges.
 |
| SOURCE: Google |
As your Consultant and Financial Advisor, I want to give the best Advise to you.
So now let’s take a look the other side of the coin.
Disadvantage of VUL
VUL is not for Short Term Goals - Because the first few years while you are at the peak of your income
the main purpose of VUL is to Protect you for such uncertainties and once you got passed
on that few years, time to Grow what you have! :)
the main purpose of VUL is to Protect you for such uncertainties and once you got passed
on that few years, time to Grow what you have! :)
Does VUL fit to me?
If you think you have “enough” protection coverage,
If your family will continue living the same way Financially if you’re out of the picture,
If you have “enough” funds to pay bills for such uncertainties that may happen, then
As your Financial Advisor, I will be the one to stop you for getting VUL, because this is not for you!
BUT if you don’t have those things (that i mention above) and your goal is for long term like
Retirement Fund, Health Fund and Educational Fund for your child, then while you are reading this,
I’d like to Congratulate you because you’re in the right place to start and Build Solid Financial Foundation.
I’d like to Congratulate you because you’re in the right place to start and Build Solid Financial Foundation.
How VUL works?
Note: Benefits that i can show to you are the benefits that our Company gives. Other companies
may have different benefits.
PROFILE OF THE INVESTOR:
* Male
* 30 years old
* Office Engineer
* Non-smoker
* Aggressive Investor
* Can save 3,000 monthly
His purpose is to have a Health Fund to prepare for any Health related uncertainties and
to minimized the chances of selling properties and assets if ever.
to minimized the chances of selling properties and assets if ever.
As a Financial Advisor, my recommendation - Philam life’s Health Invest Plus.
This is just one example of how VUL works on Health Fund purposes.
It can also be use for Retirement Fund, Educational Fund, Estate Tax Reduction program and
many many more.
many many more.
My Key Note,
Our Goal is to have you a Peace of Mind, Excited for your Future, Your Dreams become Reality and
be a Knowledgeable Investor for you and for your Family!
be a Knowledgeable Investor for you and for your Family!
May you have a Prosperous Life!
Your Key-bigan to Sucess,
P.S. If you’re looking for Retirement Fund, Educational Fund, Estate Tax Reduction Fund or
any FREE Financial Consultation that may help you to improve your Financial Awareness,
Cash Flow and Standard of Living let me GUIDE and HELP YOU. :)
Send me a private message at www.facebook.com/venturaunit or
Email me at financialfreedommadeeasy8@gmail.com
Email me at financialfreedommadeeasy8@gmail.com
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