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Mahal mo ba ang iyong pamilya?

Siguro naman lahat tayo, mahal natin ang ating pamilya. At lagi nating iniisip ang kanilang kapakanan at magandang kinabukasan.

Kaya tayo ay nagsusumikap mag-trabaho, kumita, para matustusan natin ang kanilang pangangailangan.

• tirahan,
• pagkain,
• college education para sa mga anak, at
• maginhawang buhay

Pero naisip mo na ba,
What if I die too soon?
Who will take care of my family?
Who will pay for their expenses?

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Ikaw ang bahala, kung saan nakalagay ang harang, kung sa poverty, o comfort, o luxury.
Kaya gusto natin na ang death benefit o coverage ay nasa tamang level.

Mag-aral tayo ng simple at practical na financial concepts, strategies at solutions sa aming free financial seminars, webinars at videos, para matuto ng tungkol sa life insurance.

Kung interesado sa malaking insurance coverage sa mababang halaga, kasabay sa pag-build up ng emergency funds at panimulang investment, panoorin naman ang video sa Introduction to Term with PDF.

MOST18 Term with Premium Deposit Fund

Marami ang gusto kumuha ng MOST18 term with premium deposit fund, kasi

1. Ito ay proteksiyon para sa pamilya "If you die too soon"
2. Ito ay emergency fund, "if you have emergencies"
3. Ito ay investment "if you live too long"

Ito ang perfect solution para sa "Buy Term, Invest the Difference (BTID) strategy.

Dahil term insurance, ito ay may high protection coverage, pero mababa ang premium.
Dahil Premium Deposit Fund, ang investment component ay:

• may guaranteed positive growth > 0. Laging may kita!
• competitive ang rate of return, maaaring 12% ang long term growth
• withdrawable ang PDF, maski sa unang taon.
• safe, walang lugi, walang investor risk!

Ito ay flexible ang contribution schedule!

• pwede magbayad taon taon
• pwede magbayad ng ilang taon lang
• pwede one time, weekly, monthly, quarterly o annual payment
• pwede some time, pwede all the time.

Pwede mag-skip kung gipit, pwede mag-dagdag pag may bonus!

Multiple Option, kaya pwede pang

• emergency fund
• college fund
• travel fund
• health fund
• retirement fund (lump sum)
• pension fund
• pwedeng FUN fund :-)

Ito ay 18 year level term, kaya fixed ang premium at coverage ng 18 years.
Renewable hanggang 60 years old kaya pwede covered hanggang 78!

May Additional Protection Pa!

Para ma-kompleto ang proteksyon, mayroon ang MOST18 ng riders, o additional protection benefits!

• Accidentant Death
  Kung kunin ni Lord dahil sa aksidente, ma-doble ang basic death benefit
• Terminal Illness
  Kung magkaroon ng taning ang buhay, i-advance ang P 500,000 para maaring magamit habang buhay pa ang insured.
• Critical Illness
  Kung ma-diagnose ng critical illness (cancer, stroke, heart problem, etc) may benefit na 30% ng coverage para magamit sa pagpapagamot
• Waiver of Premium for Payor
  Kung ang payor para sa policy ng minor ay kunin ni Lord, ang premium para sa minor ay libre na!

Request MOST18 Illustration

List of Features and Benefits

1. Affordable. It’s a term life insurance. The most affordable type of life insurance.
2. Higher Fund Value. PDF allows higher growth of return.
3. Premium Flexibility. Settle your contributions on a schedule that fits your lifestyle.
4. Withdrawal Advantage. Withdraw anytime without penalty.
5. Level Coverage Risk. Your savings is always added to your coverage (death benefit).
6. Emergency Fund Advantage. You already have savings in the first year.
7. Alternative Investment Flexibility. You are free to decide where to invest the difference.
8. Early Maturity. Maturity after 5/10/15/18 years.
9. Issue Age is 5 yo to 60 yo. Insure yourself and your whole family.
10. Address Various Financial Needs. Can be used for retirement, pension, education, travel, etc.
11. Convertible to Permanent Insurance. You have an option to a permanent policy.
12. Low Chance of Lapsation. Premiums may be settled from your PDF / investment earnings.