PruTecting & Saving Lives by MDRT Lilibeth Valmoria

17/01/2025

LIFE INSURANCE is at its BEST when you are at WORST. Client is a Doctor who is now suffering a Critical Illness. Good thing insurance believer sya.

Life Insurance is Love Assurance. Mahal mo yung pamilya mong maiiwanan mo, at mahalaga sayo ang future mo in the event na may mangyari sayo in between.

Let me know how to secure your financial future. 15 years in the service of securing lives.

20/11/2024

Limited offer only.

11/09/2024

I gained 5 followers in the past 90 days! Thank you all for your continued support. I could not have done it without you. 🙏🤗🎉

23/05/2024

Chinkee Tan sharing his thoughts on insurance:
Why should you get it?

"It took you a lifetime to save your money and build your finances but it will also take you just one disaster to wipe out everything."

For insurance agents:
"You are here to help others protect their earnings. Pero wag nyo silang pilitin. Kung ayaw nila, hindi naman ikaw ang mawawalan. Gusto mo lang naman tumulong."

12/03/2024

Some say:
"𝗡𝗘𝗫𝗧 𝗧𝗜𝗠𝗘 𝗡𝗔𝗟𝗔𝗡𝗚, 𝗗𝗔𝗠𝗜 𝗣𝗔 𝗚𝗔𝗦𝗧𝗢𝗦"

While others say:
"𝗦𝗔𝗡𝗔 𝗣𝗔𝗟𝗔 𝗡𝗔 𝗣𝗥𝗜𝗢𝗥𝗜𝗧𝗜𝗭𝗘 𝗞𝗢 𝗧𝗢 𝗕𝗘𝗙𝗢𝗥𝗘! 🥹"

𝘉𝘶𝘺 𝙇𝙄𝙁𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵 𝘯𝘦𝘦𝘥 𝘪𝘵.
𝘊𝘰𝘻 𝘰𝘯𝘤𝘦 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥 𝘪𝘵, 𝙔𝙊𝙐 𝘾𝘼𝙉'𝙏 𝙂𝙀𝙏 𝙄𝙏.

You're not dealing with 𝗠𝗘, you're dealing with your 𝗧𝗜𝗠𝗘, your 𝗛𝗘𝗔𝗟𝗧𝗛, and your 𝗠𝗢𝗡𝗘𝗬.

Tara pag-usapan natin📩💻☕️

09/03/2024

Limited Offer Only Until Supply Lasts!
Please send me a message for inquiries.

05/11/2023

Scenario:

Friend 1: Gipit ako ngayon. Stop na ako. Pwede ko ba makuha lahat ng dineposit ko? (After paying his regular-pay VUL for a few months)

Friend 2: Bakit? Kapag nag-claim ka ng coverage for death or sickness, pwede ba bawiin ng insurance company?

Hehe! Joking aside, bakit nga ba usually walang nakukuha kapag a “few months old” pa lang ang policy mo?

1.) It's not a bank deposit account.

A regular-pay VUL policy po is NOT a bank deposit account, where you can "park" your money and withdraw whenever you want. It is a protection contract between a client and an insurance company. Hindi sya fair for the insurance company kasi ang laking risk ang tinataya nila. Milyones ang kapalit ng binabayad mong premium. The only time na may makukuha ka po from your policy is kapag may tubo na ito from your investment (fund value), which is only possible kapag matagal na ang policy (at least three years).

2.) It's like hiring the services of a bodyguard.

Think of a VUL policy as your BODYGUARD. Regardless po kung may mangyari sa iyo o wala, kailangan nyo po sya sweldohan, kasi you were protected during the time na ni-hire nyo sya. Plain and simple.

3.) You are buying an asset.

Sa insurance or VUL po kasi, you are basically buying an asset with the choice to do it by "installment." Example, you are buying 1M coverage for 3k a month. If you were saving sa bank, it will take you nearly 30 years bago yan makumpleto. Pero sa insurance, agad-agad. Ownership was effective since Day 1 (for as long as you keep paying your premium). Same with buying a house. If you stop paying for the mortgage, wala kang makukuha. Hindi mo pwede bawiin ang downpayment mo. At lalong di mo rin magiging pagmamay-ari yung property kahit partially paid na. Subject for foreclosure.

Kaya for as long as binabayaran mo ang premium mo, mananatili ang promise ng insurance company to give that big amount if something bad happens to you. Once you stop, the company will also stop. Ang delikado dyan is kung may mangyari sa yo at cancelled na ang policy mo, hindi ka talaga maka-cover. Kaya if I were you, continue mo lang no matter what. I understand mahirap situation nyo now pero di hamak na mas mahihirapan kayo pag ang magka-emergency ay ikaw mismo at sumabay ka to an already existing financial problem. Tandaan mo, maraming pwedeng mangyari sa isang minuto at hindi ka dun exempted. Even in your sleep, something could happen.

ctto

16/08/2023