My vul is now 10 yrs about to meet my FA next mth to discuss about it. My fund value really decrease during pandemic but Im ok about it nakahabol pa din and may nagamit na ako. Goal ko naman as breadwinner is the insurance, critical illness and hospital rider. Thank you on info 😊
Yes, tama mindset mo. Karamihan kasi iniisip na ang VUL ay purely investment eh. May component lang siya na investment pero ang purpose pa rin nito protection which is insurance. 😊
During the time na parang gusto ko na ring mag surrender to focus on mp2, coops, ganon, nag review kami ulit ng VUL ko with my advisor, and thankfully, I still appreciated my vul set-up, thanks!
Reasons why i withdrew my vul: 1. Expensive, 2. Not guaranteed ang kita, and it is not a guarantee na makakabawi ang market based from history, 3. Single ako, 4. Daming charges, kaya mas ok pa sa akin ang mp2 kasi walang tax, secured, guaranteed at may interest pa.
Thank you po sir. Naintindhn kopo.. Wla nmng masama sumugal.. Tiwla lng.. Bsta insured ka at my insurance nmn yn.. WAIT NLNG SI VUL. Tumaas ang stockmrket
I think dpt po yta ang mindset pag bumabagsak ung market is not the value, but not number of shares ang hawak. So do nothing lng at ituloy ung premiums :)
Sir ng hintay po kmi na tumaas ang market pero wala tlga bagsak ang Phil economy mauubos lng WALANG PAG ASA, kaya mganda take the loss na lng, ang withdrawal charges sabi sa BDO no chrages ang 5yrs VUL.
Hi Sir! I just got my insurance/investment. When would be the best time to withdraw my proactive fund? Is it best to withdraw partially since insurance would be affected? Thank you!
I have an Investment/Insurance (since January, 2018) in one of the Insurance companies in the Phils. This coming January, 2023 my 5-year contract worth Php 300,000 which I normally pay the premium monthly of Php 5,000 is about to complete. Just 2 days ago, I received an email from Insurance company that says like this "We made an adjustment in your Set for Life plan with policy number xxxxxxx that resulted in an increase in your insurance plan’s account value. This means a higher total value for your investment in your policy". What do you mean by this email? Do I have to pay Php 5k continuously even if I have paid completely all the Php300k in January next year? What's your thought about it? Thanks for you reply, Sir DJ.
my risk appetite is conservative. usto ko lang talaga mag try hahaha pero nag babakasakli parin. hmm tama naman no pag tumaas navpu mejo nasa safe place yung fund mo? ok lang bayun na as of now sinecure ko yunh fund ko wherein inallocate ko in a higher percentage sa fund na ito. more vids please. discussing about the fund/ navpu dun pa kasi ako lito heheheh ty
Hello po, I’m still a student po nag apply ako last January 12, 2023 sa BPI And I want to withdraw and not to continue with the policy in BPI AIA. I’m a regular payer, 10 months na po yung nabayaran ko and balak ko na pong hindi ituloy. Mga ilang percent po kaya yung mababawas don? Should I continue pa rin po ba or should I stop na? For 10 years to pay din po kasi yun.
Hello Sir..ako 10yrs pay na for P500k sa BPI AIA gusto ko na lng kunin ang nalugi kong pera..halos nauubos na.. P300k na lng makukuha ko pero halos 1month ko ng sinurender hindi pa din pa nila binibigay sa akin ang pera ko...😡😡😡
Question Sir. If ever po ba withidraw mo and take the loss, mawawala din ba ang coverage ng Insurance mo or ang fund value lang? Also Sir not in the topic though but very curious, on the whole life insurance, if ever let say you pass more than 100 years old paid all premium, ibibigay pa nila ang coverage insurance mo or cash value or Thank you na lahat yun kc di kana cover after 100 years old.
Sir ung AIA ko is regular pay; I'm on my 9th year, I have plans of terminating this or just getting partial withdrawal and invest it to somewhere else. I'm having 2nd thoughts kasi regular pay (i was told until the day i die ako magbabayad lol); I can't find my agent as well. I hope you can advise me the better way.
Hello Family Secure or Moneyworks ba un plan mo? may mga policies talaga na ganun til age 99 ang payment eh. Though usually yan un malaki ang coverage.
@@djdimaliuatofficial thank you sir for the reply. I think Wealth Secure yon. I have plans to let this go siguro on year 10 kasi I have 2 more existing policies. Yes, malaki coverage nya.
Sir dj good day! pls help po. From 820k down to 517k nlng ang VUL ko. Tapos na ang 5yrs ko kaso OFW po ako. Pwed ko po ba e authorized ang beneficiary ko ang mg full withdraw?
Mahirap din talaga kapag ang kinuha mo limited pay plan kasi natitigil na ang pagbili ng units kapag natapos na ang term ng pagpapay. Samahan mo pa ng maraming riders. Maisusuggest ko talaga go for whole life pay plan para tuloy tuloy lang pagbili ng units. 😊
Yung sa akin pababa ng pababa ang fund value, kahit kailan d tumaas, balak ko pong iwithdraw na lang paguwi ko kaysa maubos, naguguluhan ako sir😢nakakasad mag 10 years na sya next year
Wag nyo po e withdraw ma'am if Hindi nyo Naman po gagamitin same tayo pero Ang SA akin running 8yrs lang from 350k down to 160 nlng ngayon minsan bumababa pa. Mas malulugi tayo Kung e withdraw natin tataas din Yan kapag maka recover na Ang economy natin
@@acmjourney sa akin po mula noon d pa pandemic d naman tumaas, pababa lang ng pababa😅pero tama po kayo don na lang muna, pokus na lang sa insurance wag sa fund value para d tayo madissappoint😊salamat po ulit sa payo🙏
Kung insured po kayo ng 2,000,000 for example with critical illness coverage, and pag palagay natin mabubuhay ka ng hanggang 65 years old try to compute po yung ihuhulog mo for since you started until age 65. If tingin mo mas malaki parin yung makukuha ng family mo once na nawala ka compare sa accumulated payment mo until 65 years old, huwag mo po e withdraw. Isipin mo nalang pinag iipunan mo yung maiiwan mo at kung magka medical emergency man ikaw may sasalo sa ibang expenses mo. Ganon nalang po ang mindset na ginagawa ko.
hi sir please advice me about axelerator,5yrs pay 300k total premium,but then now told me to continue the premium till 10yrs,im worried because the life insurance is only 300k which ever the higher between funds ang premium
@@djdimaliuatofficial thank you sir nagreply kpo,need qna po mag full withdraw my existing plan nmn po aq sa ibang company which is important kz health plan po xa,c axa po sna gamitin q for retirement but now im sad kz from 300k down to 210k in 3yrs,the advisor told me to continue pa tas ang baba lng ng value ng buhay q after
Yun na na nga gusto ko e withdraw lagi nila akong pinapa in courage ayaw ko na hanggan muabot NG 1month, grabi tlaga paki usap ko ayaw tlaga bitawan, my habol pa ba akong I laban karapatan ko
Sir, suggestions po sa newly grads na insurance. Okay na rin po ba term muna? Para sana sa nephew ko na no budget pa sa matagalan at mahal na bayarin. Thank you!
What if sir nag zero nga fund value if already finish paying the insurance for 15yrs. But before that na widraw na 75% and 25% natira sa fund value..they still invest pa din ba 25% and lano kun mag zero na po..
Sir 10 years VUL plan, halimbawa natapos ko na 10 years policy. Total of 300k lahat ng naipasok ko na investment. 1. Kung i-withdraw ko ba pwedeng kahit 300k din makuha ko (basta natapos ko 10 years)? 2. Kung sakali naman may kita sa investment ano possible na itaas ng 300k na naipasok ko for 10 years (example lang po na amount)? 3. Paano po gagawin para insured pa din ako, kahit na-withdraw ko na lahat ng naipasok ko na amount (basta natapos ko 10 years)? Medyo lito pa sa VUL plan. New subscriber here. Thanks in advance Sir.
Great questions! 1. Hindi ito guaranteed eh. Depende kung magkano current account value ng policy mo 2. Possibly 10% ng 300k or less 3. Dapat nakabili ka ng iba pang policy para insured kapa rin kahit iwithdraw mo na in full yun VUL Mo
Sir after 10 years Po ba,walang surcharge pag winidrw ko Yong life ready plus,Nala 6 yrs. na Po Kasi ako,bale 160 k n Po Yong nahulog ko tpos 116k lng Yong fund ko,sinub ukan ko surrender online 31k Yong surcharge so 80 n lng Po Yong matitira,kung I pull out ko Po ba after 10 years walang surcharge,makukuha ko b Yong buong fund value?,sana Po masagot nyo,stress n Po ako😢😢😢,kc Po innisip ko buti kung may trbaho pa ako at the age of 55, kc Hanggang 100 yrs old pa ako magbbayad,576k Po Yong sum n makukuha ko,
Saakin Lima kinuha ko apat Sa mga anak 1 Sa akin . Philam 500k babayad ko 7 years na Ang fund value nalng niya as of 2023 is 370k pag mag widraw daw ako 340k nlng out of 500k Sa akin as mother. Lugi
After 10 years Pala need mo mg top up para insured pa din ako . Mali Ang nasabi Ng agent ko. Sabi niya after ten years is kikuta ako may tubo Pera ko tapos insured pa din ako
@@possitivemomtv7033 same sakin after 5year mababawi na daw 150k na nilagay ko sa fwd now 1month nlng 109 lang laman. tapos sabi dito may bayad pa pala pag winithdraw pag d nmn withdraw continuos pa din bayad kung alam ko lng d na ko pumasok sa ganto ang lau nang computation nila sa nang yari .
