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Why Settle With One? When You Can Have More Than One Personal Life Insurance Policy Sabi sa isang ad ng gatas, #CheckTheLabel o #CheckMoMuna. Parang ganon din dapat sa Life Insurance policy mo. Have you already read it? Alam mo ba ang mga benefits o coverage sa policy mo? Will your coverage or benefits be enough to protect your income generating years? Will your policy or plan be enough if critical illness strikes? You can either amend your plan to have additonal coverage or benefits or get another policy. Siyempre depende pa rin sa purpose mo. Someone told me before that she wanted to have 40 million pesos sum assured. Bakit ganon kalaki? Kasi she wanted it na if ever na makuha na iyon ng mga anak niya, she will have it divided para sa mga anak niya. And then she will write a trust or will na dapat mare-invest ulit iyon. The 40 million pesos sum assured can be on multiple policies on different life insurance companies. Depende na lang din iyon sa preference mo. The possibilities are endless if you would want to have multiple life insurance policies. Siyempre if you have the money or if you are healthy or insurable pa. We can check your policy and do a review. Just message me. BILLE CRISTIANE T. TEMANEL Financial Consultant, Pru Life U.K. Registered Financial Planner Graduate Member Chartered Trust Estate Planner Program Graduate #BilleMoKosaPru 0977-725-7981 (Viber, iMessage) [email protected]

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Did you know that the concept of life insurance came from “pass the hat” or what we call in our country as “abuloy”? History of Life Insurance • We can trace its roots back in 100 B.C. Ancient Rome. A Roman military leader created a burial club for his troops, so in the event of unexpected death of a club member, other members would pay for the funeral expenses. • In 1688, it was in Llyoyd’s of London where the modern concept of insurance came into being. • In 1759, the first life insurance corporation was created for the benefit of Presbyterian ministers and their dependents. ~~~ Sa pa-barya barya o konting naipon sa pagbibigay ng abuloy ay malaki na ang maitu-tulong neto sa pamilya ng nawalan. Mas malaki din ang maitu-tulong ng life insurance policies sa pamilya ng naiwanan because they can get or the beneficiary of the policy can get from almost a million pesos or more na maaari nilang gamitin sa pagpapa-libing o kaya naman sa patuloy na daily expenses ng pamilya o sa pagpapa-aral ng mga anak. •If you are a breadwinner, get a life insurance policy. •If you have others depending on your income, get a life insurance policy. • If you don’t want to be a burden later on to your family, get a life insurance policy. • If you really love your family, get a life insurance policy. You can also help others. Encourage your loved ones, family, relatives, friends, officemates, church mates, etc., to get a life insurance policy and tell them the importance of a life insurance. BILLE CRISTIANE T. TEMANEL -Financial Consultant, PRU Life U.K. -Registered Financial Planner Graduate Member -Chartered Trust and Estate Planner Program graduate [email protected] Globe: 0977-725-7981 (Viber/iMessage) Smart: 0939-936-7937 (Line, WhatsApp, Viber, iMessage) Facebook.com/BilleMoKosaPru #BilleMoKosaPru

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Ilang taon ka na nga nagtra-trabaho? Ilang taon ka na ring naka-tanggap ng bonus (Christmas bonus, production bonus, company profit sharing, etc.)? Pero wala pa ring ipon? Let's do financial planning. Just hit me a personal message and we can talk it over coffee. BILLE CRISTIANE T. TEMANEL •Financial Consultant, Pru Life U.K. •Registered Financial Planner Graduate Member •Chartered Trust and Estate Planner Program Graduate #BilleMoKosaPru #WeAreAPrudentGeneration (CTTO for the photo)

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Do you have a child/ren, spouse, parents, or siblings that depends on you and your income? One of the main concept of life insurance is income protection. If in case the "padre de pamilya" or the one that provides income for the family is gone due to death or the ability to provide income has been affected due to a critical illness, accident or disability, there will be an income protection through life insurance. If you don't have millions of assets, it would be more practical and cheaper option to get a life insurance. If you believe in "abuloy", you should be believe more on life insurance because it can provide larger amount of coverage to the beneficiary or family of a bereaved. (The concept of life insurance was based from "abuloy" or passing the hat.") Whether it is a term insurance, traditional life insurance, variable unit (VUL) or investment-linked life insurance, the bottomline is, get a life insurance on your own (aside from the company provided insurance). #BilleMoKo #BilleMoKosaPru

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Save at least P42 per day or P1,250 per month, you can already have a savings, protection and investment plan. Protection Benefits: • P1,400,000 life insurance benefit • P700,000 disability insurance benefit • P1,400,000 accident insurance benefit • P700,000 critical illness coverage Investment at age 65: P747,193* To know more, #BilleMoKosaPru *At 6.08% fund value. Investment returns are not guaranteed (Protection benefits is based on a proposal which has an age of 23, male, non-smoker)

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#TrustAndEstateTaxPlanning Don't you just love life insurance? • Life insurance is a special law. • It is not subject to income tax, whether beneficiary/ies are revocable or irrevocable. • It is excluded from gross income. • It is not subject to estate tax if beneficiary/ies are irrevocable. • It is not subject to garnishment. This means if the insured dies, the insurance benefits will not be gotten by whom the insured has debts. The insurance sum assured benefits will proceed directly to the beneficiary/ies. There are a lot of instruments that can be used for estate tax planning like donation, will and trust. Life insurance is also a good instrument. As Atty. Edgar Mendoza says, "Sophistication lies in the combination." #BilleMoKosaPru

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If Ipon=X, does "X" already have a value? If you are saving or investing, it might depend on your goals (the value of x) in life. The value of "X" is your "why" or purpose in saving. Para saan ka nga ba nag-iipon? If you already have clear goals in mind or if you already captured it vividly (iyong iba nga naka-lagay pa sa dream or vision board to remind them), well and good. Whether you are saving or investing, it will still depend on the goals you're up to: • Is it to retire early para makapag-serve ka na ng full time sa ministry? • To have a business, condominium unit, house and lot, or car? • To fund your wedding or children's education? • To travel the world? • To fund for your masters or doctorate degree? Good thing with saving, you can use it with different purposes. Hindi naman dahil sa nagiging madamot o kuripot ka, kundi dahil nagiging good steward ka rin sa pinagkaloob sa iyo ni Lord. At para later on, maging channel of blessing ka sa iba. Basta in saving or investing, don't forget to protect it with either disability insurance, critical illness insurance, health insurance, accident insurance or life insurance. Para whatever may happen, your dreams and goals will still continue. #BilleMoKosaPru

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Whether it's traditional life insurance or investment-linked life insurance or variable unit link (VUL), #BeSureToBeInsured . This also applies to critical illness insurance, health insurance, medical insurance, and individual H.M.O. #BilleMoKosaPru