Troy Andrew -Financial Wealth Planner FWD

Troy Andrew -Financial Wealth Planner FWD Life Changer //Fitness Advocate//Licensed Financial Advisor

The first milestone you can achieve this year is getting insured. ✨❤️Tara Usap Tayu
02/01/2025

The first milestone you can achieve this year is getting insured. ✨❤️

Tara Usap Tayu

SANDWICH GENERATION"'A generation of people, typically in their thirties or forties, responsible for bringing up their o...
30/12/2024

SANDWICH GENERATION"
'A generation of people, typically in their thirties or forties, responsible for bringing up their own children and for the care of their aging parents.
..
Bilang isang Seaman, It's NOT Your Fault kung naipit ka sa ganitong buhay kasi Super Majority ng Kabaro ay nasa ganitong sitwasyon...

Understandable yan..

Tanggapin mo yan ng bukal sa loob mo...

Tumulong ka sa abot ng makakaya mo..
..
Pero itatak mo sana sa isipan mo,

"You Have your lifetime to Break The CYCLE.

Bigyan mo sana ng pagkakataon ang mga ANAK mo, o magiging ANAK sa hinaharap na magkaroon ng KALAYAAN na MAMUHAY na HINDI NAKAGAPOS sa KADENA ng OBLIGASYON.

Be the CYCLE BREAKER



Paano bubuhay ng pamilya ang patay? ‘And The Breadwinner Is’ a film that talks about ✅Sacrifices of breadwinner✅Toxic Fi...
30/12/2024

Paano bubuhay ng pamilya ang patay?

‘And The Breadwinner Is’ a film that talks about
✅Sacrifices of breadwinner
✅Toxic Filipino Family Culture
✅Ending Generational Trauma
✅Listening to Family Members
✅Making family member as backup plan or retirement plan
✅ Love & Acceptance
✅ Find the value of rest

I truly admire Meme Vice for using his platform to shed light on the importance of insurance and address the struggles of the “sandwich generation” - a reality many Filipinos face.

This term describes breadwinners who juggle multiple financial responsibilities—providing for their own families, parents, siblings, and even extended relatives—yet often neglect preparing for their own retirement. Despite carrying the financial burden for everyone else, they risk ending up without savings in their later years.

This critical issue was even brought to life through a movie showcased at this year’s MMFF, making it easier for people to understand and reflect on.

I hope this serves as a wake-up call for Filipinos to recognize the value of insurance, particularly for breadwinners, showing that preparation today can lead to a more stable and worry-free future. We all deserve the peace of mind that comes with financial security and the freedom to live life fully, rather than working tirelessly until our bodies can no longer keep up.

𝐈𝐊𝐀𝐖 𝐀𝐍𝐆 𝐁𝐑𝐄𝐀𝐃𝐖𝐈𝐍𝐍𝐄𝐑, 𝐘𝐎𝐔 𝐃𝐄𝐒𝐄𝐑𝐕𝐄 𝐓𝐎 𝐁𝐄 𝐈𝐍𝐒𝐔𝐑𝐄𝐃 𝐃𝐀𝐇𝐈𝐋 𝐈𝐊𝐀𝐖 𝐀𝐍𝐆 𝐁𝐀𝐂𝐊𝐁𝐎𝐍𝐄 𝐍𝐆 𝐏𝐀𝐌𝐈𝐋𝐘𝐀 𝐌𝐎.

Message me to know your options. We offer 2 in 1 Plan, INSURANCE + INVESTMENT, let’s insure yourself before 2025! 💖

Troy Andrew
Fwd life insurance- Financial Advisor

Bread Winner Movie Lessons:1. Wag papagurin o aabusuhin ang sarili sa trabaho. I know yan nagpoprovide ng pangangailanga...
26/12/2024

Bread Winner Movie Lessons:

1. Wag papagurin o aabusuhin ang sarili sa trabaho. I know yan nagpoprovide ng pangangailangan para sa pamilya mo pero HEALTH IS MORE IMPORTANT above all. ❤️‍🩹

2.Life is too short mainam nang lagi kang handa 💯

3. Hindi lahat kaya mong ibigay minsan kelangan din matuto tumayo ng pamilya mo sa sarili nilang mga paa. Wag lahat iaasa sayo. Sacrifices are necessary. Tough Love 💝

4. Love your parents. Show it to them habang nabubuhay pa sila. swerte mo if they are very loving and supportive sayo 💖

5. Mag ipon at magpundar ka ng para sayo kasi kailangan mo yan hindi lang dahil “DESERVED” mo yan. Know your priorities ano nga ba ang kailangan mo talaga 🙌

6. Love yourself kasi pag naubos ka ikaw din ang kawawa. Tap your shoulder for doing your best don't be too hard on yourself 🤗

7. Hindi ka lang banko para laging saluhin pangangailangan nila pamilya ka kaya dapat nagtutulungan. 💖

8. Learn to explore and pause for a moment. Enjoy your hardwork your mental health matters as well. 🥰

9. As a breadwinner and a financial advisor I know the importance of having a life & health insurance with investment it protects your FAMILY and YOU 🫶 (Times are changing talk to your trusted financial advisor)

10. We all deserve to have that peace of mind and have that freedom to live our life to the fullest and not just work until our body gives up ✨

Hindi masama ang maging BREADWINNER basta you know your limitations. Nakakaproud din and masarap sa feeling lalo na kung grateful at appreciative yung family mo sayo 💖 pero aminin man natin sa hindi. NAPAKAHIRAP maging isang breadwinner mabigat ang responsibilidad. Sa mga breadwinner Thank you for all of your sacrifices. May all our dreams for our family and yourself come true ✨🙏




I have 6 inquiries regarding insurance just tonight lng ..napanood din daw kasi nila ang "And the Breadwinner is."..Kal...
26/12/2024

I have 6 inquiries regarding insurance just tonight lng ..napanood din daw kasi nila ang "And the Breadwinner is."..

Kala kc ng ibang friend ko sa facebook puro lng aq alok ng alok ..🥺🥺 Congratulations to
my morethan one hundred clients...💙💙

Well un n nga Ganda ng story!
The movie educates viewers about the importance of having insurance and breaking free from the "sandwich generation."

This refers to breadwinners who, due to multiple obligations—supporting their own family, parents, siblings, and even nephews and nieces—fail to prepare for their retirement.

They shoulder the financial burden for everyone else, only to find themselves without savings in their later years.

Ginawan pa nga ng movie sa MMFF para mas maintindihan nating lahat.

I hope maging eye-opener 'to sa mga Filipino na lahat tayo, especially mga "breadwinners", na kailangan nating lahat ng insurance.
Just send me a message if you need one ha. Lalo kung breadwinner ka. 😊


A reminder for everyone
26/12/2024

A reminder for everyone

Don't delay insurance coverage; your family's future depends on it. Without it, even substantial savings can quickly eva...
04/12/2024

Don't delay insurance coverage; your family's future depends on it. Without it, even substantial savings can quickly evaporate due to illness-related income loss."

*Friendly Reminder*

"Protect your family's future. Getting insurance now can prevent lifelong regret. Remember, illness can quickly deplete even substantial savings, jeopardizing their well-being."

Message me directly for the plan right for you!!!

Don't delay insurance coverage; your family's future depends on it. Without it, even substantial savings can quickly eva...
04/12/2024

Don't delay insurance coverage; your family's future depends on it. Without it, even substantial savings can quickly evaporate due to illness-related income loss."

*Friendly Reminder*

"Protect your family's future. Getting insurance now can prevent lifelong regret. Remember, illness can quickly deplete even substantial savings, jeopardizing their well-being."

Message me directly for the plan right for you!!!

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."One of the most common conc...
30/11/2024

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."

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

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

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

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang.

I hope you get my point. Alamin sa mga agents ninyo ang full details.

Want more of this?
Join my community:

Maste



Why just save when you can manifest your dreams? Enjoy protection, investment growth, and up to 30% savings boost on you...
22/08/2024

Why just save when you can manifest your dreams? Enjoy protection, investment growth, and up to 30% savings boost on your 5th & 10th anniversaries with FWD Manifest. Stay loyal, earn rewards, and rest easy with our safety net for life’s unexpected moments.




Imagine you have a cup of water. What will happen if you fail to put a lid on top of it?Yes, the water will spill, and a...
11/07/2024

Imagine you have a cup of water.

What will happen if you fail to put a lid on top of it?

Yes, the water will spill, and all the water will go to waste.

The water inside the cup represents all the assets you own—the fruits of your hard work over the past years.

A good insurance plan represents the lid you put on your cup.

So that if adversities like death, sickness, or disability come, you won’t have to sacrifice your assets just to pay for hospital and medical expenses.

And remember, it’s not enough to just have a lid. You have to make sure it’s wide and strong enough to protect your cup.

That’s why it is important to always review your insurance coverage. Because every year, your assets become bigger and bigger! Therefore, it will also require higher protection coverage!

Message me for a Free Policy review!📥




If there is one thing that I don’t want people to misinterpret about “Inside Out” is that our emotions or those little c...
10/07/2024

If there is one thing that I don’t want people to misinterpret about “Inside Out” is that our emotions or those little chemicals in our brain do not just control us nor are those the sole reason for the things we do! I hope we do not justify our bad behaviors just because we felt it!

Yes our emotions are indeed valid. But validity ends there because if we do bad things to others or to ourselves just because of what we feel, then please do not justify it and use the “all emotions are valid card”. Remember, we all have skills to self-regulate our emotions. Through this, we can choose the right words to say and the most appropriate behaviors to do with a feeling that we experienced.

You are responsible and accountable to what you do with what you feel.


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