If these people discontinue their policies and may nangyari sa kanila, how will your conscience take that? This is not good. VUL is not for wealth accumulation, it is for PROTECTION (both living and death benefits). If your goal is to make money in 5 years, this is not for you.

@jennifer4736

2 жыл бұрын

Its inappropriate to say na LUGI, its better to say na different VUL, term and other insurances serves different purposes that's why it always better to talk to different financial advisors so you can compare it yourself.

@XYZCOUNTDOWN

2 жыл бұрын

simple lng. term insurance kunin.Mas mura, mas mtaas coverage. not VUL. Mlki chnce masunog pera mo sa VUL.

@Asherjoshiah

2 жыл бұрын

It is actually partly wealth accumulation, kaso nga lang high risk and it is not for everyone. It's either false ang data presented, or very risky ang investment product/fund type na allocate ang funds.

@nestorjrabalos1998

2 жыл бұрын

Indeed, he’s comparing apple to orange. Kaya sobrang misleading nya. Kawawa yung mga vulnerable na kakagat sa pakana nya.

@gerliejopia

Жыл бұрын

Tama ka dyan sir.

Thank you po sa video nio. Maganda talaga yung mag research muna bago mag dive.

Hi, I came from a family na natulungan ng insurance with VUL. I was wondering lang while watching your video parang unfair naman ito sa part ng mga agent na naghahanap buhay lang at in fact nakakatulong at nag eenlighten, parang mas nag focus ka sa commissions at hindi sa benefits itself na inooffer ng particular policy. Kasi kung ma insure ka at kahit ilang buwan ka palang nakakapag hulog kung ano mangyari sayo makakapag claim ka ng ilang milyon depende sa coverage mo at iba pang core benefits ng policy na kinuha mo (hospitalization, confinement, ma accident/ madisable o biglaang madiagnose ng sakit na malubha) I’m speaking from experience lang kasi this has really helped us. Sobra. Sabog sana ang finances namin kung wala ito. Matagal na kami nag iinvest at marami din akong kamag anak at kakilala ang natulungan din ng insurance walang wala yung libo libo na kikitain ng agent mo sayo compare naman sa make claim mong daang libo o milyon pag ma aksidente ka o madisable ka etc. At notice sa ibang bansa pag na oospital sila ang unang tinatanong pagdating “do you have an insurance?” kung hindi lang corrupt mga opisyal dito normal lang talaga dapat ang maraming policies. I thought lang medyo backwards lang ang pananaw mo sa insurance masyadong nag focus sa commission ng agents may pros and cons din naman talaga pero sobrang nag focus lang sa commission na hindi naman yun ang mission ng mga kumpanya. Ang ginagawa lang naman ng insurance companies is to spread financial literacy at makatulong para di tayo agad dumudukot sa bulsa kung ano man ang mangyari. Thoughts lang.

@ravencruz9139

3 жыл бұрын

The purpose of this video is to destroy VUL. Moreover than that, they want to promote their own product. #desperatemoves

@ronaldzubiri7465

3 жыл бұрын

Agree! I am a vul holder yes may point sya pero maraming mali sa sinasabi nya and kulang kulang..

@sarahkaitlingaa3727

3 жыл бұрын

I heard of u a lot sir, but I never thought na totoo palang ganito pnanaw mu sa vul sir. So sad for u this just means u don't understand the vul product, kc dimo naintindihan ang real value nito. Even ur examples are not justifiable nkakaloka. 😂Wag ganun sir, certified crab😂

@jessiemercado4373

2 жыл бұрын

Agree sobra nakatulong din sakin ang Vup

@momjeancarl6519

2 жыл бұрын

Hi po reading your comment,,, curious lng po aq if you dnt mine to know anong insurance po kyo? Meron po akng Vul sa sunlife and after watching this video I felt I dnt know if I'm doing right kc po minimal idea po aq about insurance, but kumahanpa dn po aq forbthe sake of my son,,, I'm paying po 50k semi annual...

Sir, I have been struggling in planning to manage my money or earnings. But as I watched this video, I got gradually enlightened by how well you explained things. Now, I have a much clearer plan for my little money. God bless you always and stay safe. Keep inspiring and enlightening people lile me who wants to have financial freedom.

@SirVinceRapisura

2 жыл бұрын

Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!

@efrenjrcaro6945

Жыл бұрын

Ty sirvince Duda n talaga ako ma prof mopa talaga salamuch

Sir Vince. ano pong term insurance company ang recommended po ninyo.Salamat po at nalinawan ako s paliwanag ninyo.

One thing I've learned while watching other financial planners like Arki Wealth is that VUL is an Inflation-adjusted financial protection product. This is not entirely an investment. The projection value is not guaranteed because it will be based on the performance of underlying funds where the portion of your premium (investment component) will be allocated to cash fund or money market funds etc. Term Insurance: Advantage is you will have a great health/life coverage for a least amount of premium. You will be paying less but will have a more extensive coverage. Disadvantage is when you are still alive after the insurable age which is 65 yrs old, you cannot reinstate or renew your policy. Therefore, you will not be covered anymore by the policy you paid which is only 65 yrs old.

The fact na puro mga agent lang yung nagtataggol sa VUL dito sa comments at mga actual clients naman ang nakakarelate sa video says it all. 🙂

@Noname-gp5te

3 жыл бұрын

Korek!

@nemesiofenomeno6804

3 жыл бұрын

iyak mga ahente eh 😂🤣

@meowmeow16

2 жыл бұрын

I am a client. I studied both BTID and VUL. I have VUL and I also have some investments outside VUL and this video is misleading and a crab. As what I know meron siyang coop, so basically sinisiraan nya ang VUL para mag coop kayo. Bakit kaya hanggang ngayon, legal ang VUL and is still under Insurance Commission? Kung budol lang yan, dapat tinag na yan as scam. Pero bakit kaya hindi? Kasi basically, it's not a scam. Mali lang pagka explain ng FA nyo or kulang. Kulang din actually pagka explain ng FA ko kaya I did my own research. Yung di sinasabi ni Vince Rapisura? Haha, mahal din ang term. Mahal in the sense na tumataas siya every year and hindi siya whole life coverage. So magbabayad ka ng pataas na premium hanggang sa tumanda ka. Ngayon, talaga bang inenvest nyo yung difference or eat the difference lang? Kasi if hindi nyo alam kung paano nyo ma equal yung million na coverage nyo through investing the difference, useless din yang pagkuha nyo ng term. Both are strategies. Both has cons and pros.

And also what form of term insurance are using here? Term 10, 20, 30 what?

Good afternoon po, anong magandang insurance company for term insurance po?

Anong VUL name na 50K annual tapos 165k lang ang life insurance? Pwede siguro kung masyadong matanda like 50 yrs old or mayroon si client preexisting na sakit factor din kasi un na hindi nai-discuss dito. Personally wala pa akong nakikita o naririnig sa mga insurance company, naalala ko pinakamababang nakuha ko na coverage ay 200k for 24k annual premiums for 10 yrs to pay na design for investment kaya maliit lang ang insurance coverage ko. Hindi nai-discuss na ang term insurance ay tumataas ang kailangan kong bayaran or premiums every year dahil ang premiums ay depended sa edad ng cleint. Bukod dito, sa term insurance kailangan mong magbayd for life hanggat gusto mo ma-cover ka. Madaming VUL na you pay lang for a certain period of time like 10 yrs then cover ka na up to age 100 at premiums mo level lang hindi tumataas. Kaya ang agent nagsasagawa ng interview para malaman ang needs ng client at capacity to pay. Balik din po sa ahente kung sakaling mag-stop ng payment si cleint dahil mali ang financial analysis na ginawa nya. Nasusukat po ito sa tinatwag na persistency rate at pag bagsak ito pwede pong matanggalan ng license ang ahente. So sad about this video.

Sir vince tanong ko po,ung BPI PHILAM life assurance corp.ano po masasabi mo dyan

Yes,well explained 👍Thank you so much ❤️

Thank you napaka informative 😍 muntik na po akong ma wrong move, thank you po ☺

Thank you. Sobrang laking tulong neto saken. Kukuha ako dapat ng insurance with vul at buti nlng nadelay

Possible po ba makuha lahat ng current fund value kapag i-surrender ang policy?

Always remember pag nag invest ka dapat extra money Yung gagamitin mo at kaya mong antayin until 10 yrs. or more para ma appreciate mo talaga na kumita ang pera mo of course proper monitoring sa policy mo and always seek guidance with your FA.

Sir Vince, anong company po may magandang offer nang term insurance? Thank you

Thanks. Sir Vince clear explanation po.

@archmc9087

3 жыл бұрын

If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬

Yung sa akin na prulink exact protector 5 just got completed this month po. Then may fund value na sya na 130k. Ang advised ng FA ko kuha ako ng bago with critical illness mga 1,500 lang daw per month. Anu po g mangyayari dun sa exact protecter 5 ko. Tuloy tuloy lang po ba yun o hindi na? Salamat po sa sasagot.

Sir Vince, if we got ine. Fully paid in 5 years na. From P259k premium paynents at amounting na lang daw by now to P180k. Wgat do u advise for my situatikn? Hooing for ur response please...

Buti n lng napanood ko to bago ko kumuha ng VUL. Thanks & happy subscriber here.

Paano loophole nito sir kung kakakuha ko lng VUL lastmonth?

Thank you this sir. Base on my experience sa BPIPHILAM is the worst decision, now it's to early die make the right decision for my mistake. Mabulaklak mag salita ang mga agent sa totoo lang, syempre di ka papasok na maging agents kung walang kondisyon at wala rin ganitong uri ng money marketing na hindi sila mikita lalot sarili mong pera ung ginagamit nila sa investment at kung ano ano pa. Iba pa din ung totoo sa tao. Kilala la lang ng agent kapag 1 or 3 yrs pero kapag 5 yrs up na halos pinsan didirihan kana. Thats the reality.

How I wish I knew these information 7years ago. my VUL policy was already 7years. Any advice?

Sino ba ang nakatapos na dito ng VUL? Let them testify para malaman natin.

Napaka informative. Thank you so much for sharing. Galing galing nyo po magexplain.

How about Philamlife insurance wth investmant pangit din po ba.maubos po kaya account value.

how about the single pay VUL?

saan pwede mag avail ng BTID?

sir vince gud evening po ask lang po ako ,regarding po sa bdo life insurance ko, isa po ako ofw na nakapaghulog lng ng 2 yrs at naistop po yun dhil inabutan po akong ng lockdown nung 2020 during my vacation at dkona nacontinue ung hulog ko,,for 8 yrs terms of payment ..papano ung naihulog ko makukuha kopa po ba yun?

how to get term insurance po. thanks

Thank you sir Vince sa explanation po

@archmc9087

3 жыл бұрын

If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬

Hello po ask ko lang po, Sa BTID po ba is covered until age 80? Since term insurance po sya let say matapos ang term insurance ko eg. After 20 years what will happen to my savings, and macocover prin ba ako pag nagrenew ako pag 65yo na ako. May coverage din po ba yan na Critical Illness benefits, accidental, total permanent disability?,at meron po bang benefits yan na si insurance company ang magtutuloy sa savings mo if incase u struck by total permanent disability.? Thanks for the answer.

Anong pont term insurance ng health ang mayrerecomend nyo at nasa magkano po

Hello po Sir magkano po yong available nyo po sa insurance sir sa mga Driver po ang work tnx po

anung insurance po ang maganda

Thank you for enlighten me👍

I hv VUL and IM using siR vince approach towards BTID.. IT realy helps on how u diversify ur portfolio

Ano kayang insurance provider yung gamit sa example?

Ganyan nga din po sakin nasa 5000 plus Lang yung current fund value ko naka one year na ko ok Lang po kaya yun Di na maghulog at Di paalam sa sunlife advisor ko ?

Sir may policy ako magmamature sya next month 336k lahat binayad ko 7yrs tpos may fund value 192k pwde ko mawithdraw lahat yan?

Thnk you for ur dedication. Im getting ready to cancel my vul this is what i just need to cut my losses and move on nalang.

@TheLazyWallet21

10 ай бұрын

Naku wag mo cancel 10 years na ako sa insurance at marami kami natutulungan dahil sa VUL.

Ano ung mga coop na pede invest an?

love it. very well explanation. Sir Vince pa suggest po ng cooperative and insurance company or cooperative na may Insurance.

Interesado po ako sa coop. Anong klase ng coop po ang maganda

sir anoong coop po ba ang marerekomenda ninyo po

Sir how about FWD health insurance?

I think you are not showing the whole picture. Do you have any form of layered term coverage on top of the UL or is it pure 165k UL? I don't think anyone in their proper mind would accept this plan knowing how costly the insurance cost is. Can you show us the age of the plan holder so we can see and make our own comparison? Something is wrong with how you are presenting this

Hi po sir ask ko lng san po kya mkk kuha ng term insurance Kc nsa 60k binabayaran ko ng vul

sir vince what can you advice or explain to us about VUL na BDO Life.. Salamat po.

@marccandelaria840

3 жыл бұрын

same here 5yrs term sa bdolife

VUL investment part is not guaranteed because it depends on the market. But the purpose of life insurance is to protect the income of the insured 100 %guranteed. Yung commission ng agent is very little compared sa matatangap ng insured anytime may uncertainty.

@vannah2021

Жыл бұрын

correct po,, anti agent yata tong nag vlog nato

@LocusSix

Жыл бұрын

Hindi niya rin na mention na nagtataas ang premium ng term insurance and sobrang prone sa lapse.

@LocusSix

Жыл бұрын

Saka kahit steady yung commission rate, since tumataas ang premiums, mas umaakyat din yung commission.

@homecatsanddog

Жыл бұрын

Vul is one way to diversify your portfolio. There are many ways to protect your income an increase wealth. Depende nlng sa resources mo, commitment, and preferences. Mahirap economy ngayun, gusto man natin kumuha ng insurance kaso mas important ang daily meals to survive.😘

@LocusSix

Жыл бұрын

@@homecatsanddog Very true. It’s all about preference talaga. Kaya mas professional talaga si Rex Mendoza when he said “We cannot compare apples to oranges”.

how's my my VUL? nag purchase ako Sir Vince ng VUL 2013, after 2 yrs na diagnosed ako ng LUPUS SLE, sa akin po maige ang VUL aside sa may insurance ako prior ng sakit ko. Tama po kayo mahal nga po ang VUL compare to Term insurance, pero I had issue paying my premium buti nalang Flexible Payment po ako so as long as my Fund value ako at insured po ako. I think VUL po depende po sa needs ng insured and use of their fund value. Tanung ko po sa Term Insurance po ba once my sakit ka na po puede ka pa din po ba macovered? I agree po dapat separate ang insurance at investment. Thank you po :-)

@michaeld165

3 жыл бұрын

He wont be able to answer that since most ng info na binibigay is misleading.

@miagraceespiritu8511

3 жыл бұрын

@@michaeld165 Hindi naman, I watched most of his video and I learned alot. I think what he is sharing,is what works for him and to the majority of his followers. May kania kania talaga tayong journey pag dating sa financial success. We can always challenge our own beliefs habang tumatanda tayo and always choose what works best for you. Free informations naman to so its best pa din be thankful if hindi cia para sayo then you are always free to skip the video 😉

@BEM_01

3 жыл бұрын

To answer your question ma'am yes po pwede niyo din lagyan ng Critical Illness Rider ang Term insurance pero magiging mahal din po ito. Very different coverage ang kinocompare ni Vince. P6,000 a year term insurance ay for sure death benefit lang at walang critical illness, disablement, etc. If papalagyan mo ng ganito ang term mo ay halos papareho na yung price niya sa VUL. Isa pa po ay hindi niya sinabi na nagmamahal yearly ang term insurance unlike sa VUL. If magrerenew ka po ng term insurance at the age of 50+ ay mas mahal ito kesa sa regular plan VUL which is consistent lang ang premium hanggang mag matured.

@archmc9087

3 жыл бұрын

If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬

@herbonhallasgo4953

Жыл бұрын

Lalong mag mahal siya if e seprate mo po.

Sino ang nagbbgay ng term insurance? What company po?

Sir may tanong po ako, about nmn sa educational plan ng anak ko, nag babayad akp quarterly ng 13000 , parang malaki din napupunta sa premium, ano po maganda alternative, thank you Godbless po, sana talaga mabasa mo po ito at makapag response ka.

HI MAM, SIR..NAGBABAYAD PO AKO NG MONTHLY NG 1545 AS FOR MY PINILING PAYMENT PERO CHINECK KO SA ACCOUNT KO SA APP NA AROUND 37K PALANG UNG NAHUHULOG KO..KINOMPYUT KO PO NA DAPAT 90K PLUS NA UNG HULOG KO FOR 5 YEARS...AND MERON PONG ADDITIONAL CHARGE NA 200 TO 400 PLUS NA FEE EH NAGBABAYAD NAMAN AKO ON TIME..PLS HELP ME PO..THANKS..TSKA IF EVER ITIGIL PANO PO

Madami po variables sa mga investment mediums. Each one may pros and cons. Ang maganda po siguro ikalat investment. Diversify ika nga...may point si sir, but ang worst po ay e withdraw ang nahulog nyo na, un po sure loss.

@patrickpunzalan5939

3 жыл бұрын

agree! Review again why did you get the VUL.

Yung sun fit & well sa sun life maganda kaya Yun Sir?

Sir Vince kakakuha plang ako ng Kaiser plan 60 nkahulog plang ako ng once almost 20k po kc semi annual kinuha ko,do you think itutuloy kopa po ba o hindi na?

@lemuelpage

3 жыл бұрын

Iba po ang Kaiser Healthcare, Life insurance and Investment...

Sir, naka 16months napo ako sa VUL pero itutuloy ko paba? sa tingin ko namulat po ako sa inyo parang ititigil ko na salamat po sa paunawa

Sir Vince , after watching your vlog with Ogie Diaz. This morning inaway ko yng FA ng Allianz PNB.

Just decided to quit my VUL. I started when i was 27 y.o. and already paid premiums of 81k or 2 years and a quarter. Then ng nagcheck ako the recent day ng fund value, its just 3900 plus. Hahaha. I was so disappointed because sabi sa guide dapat may value sya na at least 18,000. Hahaha. So disappointing.

pinakamadaling maintindihan sa pag explain thank you!

Walang limit sa paglagay ng pera sa coop?

Can you show me an illustration of a VUL for a 35 year old female none smoker with Php7,800 monthly premium. Stress test at 6% index S&P 500.

1 year na akong Holder ng VUL, pwede kayang mag downgrade gawin kung pure insurance na lang? nahihiya ako mag tanong sa Advisor ko. annual premium ko 24k

@SIRKITVlogs

2 жыл бұрын

Same

The basis explanation explains well thank you for enlightning us

@SirVinceRapisura

4 ай бұрын

My pleasure

sir gusto ko po mag join diyan sa term insurance ninyo

I have vul from sunlife. I agree that There is a difference when computing about investment. I want to inform you that the vul is just for protection not really for investment but if you are sure not to use this as short term then you can earn through long term. What i like for my vul, it has a critical care. In case na magkasakit ka you are protected. Sa term isurance usually pag namatay ka lang eh paanu pag disablity ang issue mo wla kang makukuha sa term insurance. I aslo actually calculated the investment side . BTID and VUL are also the same. In BTID are sure you have the cash value with interest. In VUL you need to wait until makuha mo yung goal mo depende sa fund value. So depende sayo kung anu ang need mo. Hindi ka maluluginsa vul pag long term. Kaya you need to divesify your investment. Kasi ganun then. For me. I will be paying my vul for 10 years with 3500 premium. So for 10 years ang total contribution ko is 350000 and i am protected for 700k + fund value untill 85 years old. So depende talaga sa goal mo. Sa term renewal kasi kunti lang din ang difference pag nag btid ka. Hindi lang nasabi no sor vince yung another protection na kalakip ng vul kagaya ng critical illness protection. Depende po talaga sa gusto nyo. Sa vul just think na nag time deposit ka kasi you will never know kung magkakasakit ka at magkaroon ng disability.

@missel6350

2 жыл бұрын

Very well said

@eraystv7006

2 жыл бұрын

Tama

@jennifer4736

2 жыл бұрын

Ageee on this, di nya tinackle ang mga other benefits sa VUL, like covered ka ng 114 minor, major and cancer specific na mga sakit at iba pang riders. Which TERM doesn't offer. Insurances and investment are best pag nagsimula pa at younger age.

@maricelmontealegre1653

2 жыл бұрын

Agree po

VUL po. Ano pong company? Is it Sunlife?

may timesstamps po ba para sa 5 reasons

Saan ka nag iisa invest na coop sir?

Sir same lang po ba to sa bdo life?

Totoo po to may video ako Ng BDO Life ko. Fully paid ko na 5 years premium total 253k since 2017. Pero 200k lng sum assured ko. Now If I claim my policy today, half lng makukuha ko plus dividends and cash payout total 168k lng.

I’m a Financial Advisor (insurance agent) and a stock trader. I practice BTID as personal approach in addressing financial risks. Some figures and analyses presented here are questionable. I have nothing against Mr. Rapisura but he should recheck and revalidate the data presented in this video to have a more authoritative explanation of the issue.

@abigailrillon1168

3 жыл бұрын

I agree. He must do fact-checking across insurance companies as well. This might cause misleading of information to the public as well.

@ejdaddy3161

2 жыл бұрын

Questionable like what? Share m nmn ung nlalaman mo sir.

@carlcovers1070

2 жыл бұрын

I agree

@Asherjoshiah

2 жыл бұрын

Like anong investment product or fund type inallocate yung pera kung bakit nalugi. Stock market investment must be prolonged by the decades to minimize losses and optimize growth, check mo graphs ng stocks by the decade. Masyadong mahal yung premium yung sa insurance na company na iyan. VUL is for the experienced and knowledgeable traders, hindi iyan para sa beginners or newbies dahil high risk investment iyan, so it is appearing na mali ang plan na nilapit ng advisor sa client.

@nestorjrabalos1998

2 жыл бұрын

The example data he’s presenting is misleading. I don’t know from where he’s taken them. Likewise he’s comparing apple with orange

Sir me itatanong lang po sana ako pls,regarding sa investment ko,ma.lean di sumasagot po.pls

Thank u sir Vince.. madami na sa amin ang akala namin naka kuha na ng magandang investment or VUL... Sayang pala ang perang Pinag-hirapan, tapos majority sa company at agent lang pala mapupunta huhu..

Anu kaua mahanda gawin mahstop na.lang ba.naka 31 months na din ako 90k na din nahulog ko sa VUL na yan.

Sir Vince hello good afternoon po just want to say Thank you very much sa mga vlogs ninyo sa na nakita ko utube which is very very clear to understand and teaching us the best financial literacy lalo na para sa masa o mahihirap na tao and based on facts and I have very high respect for your good work bihira ang kagaya ninyo honest and true to the heart. More power to you sir!!

Mp2 po ba un ung sa pag ibig?

Please answer me, what what's the year term for the term used in the comparison?? You need to disclose that, remember you can not out live a permanent insurance.

@vrec2966

3 жыл бұрын

True.

@archmc9087

3 жыл бұрын

If you want to know more about it, please ask directly to your FINANCIAL ADVISOR. This is not well grounded, lalo na yung figures 😬

@archmc9087

3 жыл бұрын

True. Misleading yung content

@johnreyintia1482

2 жыл бұрын

MISLEADING CONTENT VINCE.

Sir vince anu magandang gawin kapag may existing vul na? Sana mapansin po ninyu.tnx so much❤

Ano po bang coop Ang marerecommend nyo sir vince

Thank u sir.. plan ko kumuha Ng insurance sana.. pero nagbago na isip ko.. idagdag ko na lng sa MP2 KO...

Hi sir Vince pano kapag term insurance naman at wala ng pambayad insured pa ba ako nun?

@myratogonon

3 жыл бұрын

Hi po, ang term insurance po ay binabayang annually or 5-10-15 years. You pay for the coverage po. Wala po itong "fund value" tulad ng VUL. Para ka pong nagbabayad ng shield, pag di ka nagpay, no shield.

Nalinawan ako sir vince..ang tanong ko lang po ay maari ko bang ilipat ang VUL ko sa TERM INSURANCE

How about Kaiser po?

yung AIA philam life - vitality, anu po bang klase na insurance yun? VUL or Term? pls enlighten po thanks

@Goat.phomator666

3 жыл бұрын

Reward system yun, whether VUL or term insurance kinuha mo. May option ka naman na magvitality or hindi. 200php load lang naman makukuha mo kapag naglakad ka ng at least 5 times na 12.5k steps in a week.

Hi Sir Vince, ang 3in1 insurance ng Kaiser International ba ay VUL?

@SirVinceRapisura

2 жыл бұрын

Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: kzread.info/dash/bejne/eGh4lMWvYqXcZaQ.html 5. Sample BTID: kzread.info/dash/bejne/Yp560M-Ck9idYMY.html

Thank you for this. Dapat talaga nag research ako talaga before getting VUL 3 years ago

@jpaulb

Жыл бұрын

Yung saken stop ko na

@shelajaneendong2973

2 ай бұрын

Anu kaya maganda Gawin mag stop na lang ba

Hello sir Vince, mahal po ba ung term insurance na 15k annual…face amount 2M with Critical illness 😅 30 yrs old..

Hi Sir Vince, I have a 1 VUL policy since 2016. Should I just pullout the VUL para hindi na maprolong ang loss and move to BTID? Thanks in advance sa advice.

@jaysalape1473

2 жыл бұрын

sayang ang insurance mo kung ipupullout mo

@carloconopio6513

2 жыл бұрын

Wag mo n ipullout sayang..bawi nmn sa benefits mo.at yung investment nmn kung gusto mo lumaki I withdraw m pag magretire kn..then pag may extra ka tska k maginvest sa iba

Sir Vince, pwede mo ba ako matulungan? kumuha ako insurance para sa anak ko 5 yrs term.,9 yrs na ngayon yung insurance check ko yung fund value nabawasan sya ng 170k+ imbes na tumubo sya for 9yrs eh nabawasan pa yung mga hinulog ko. Di ko maintindihan anong nangyari 😭 nilalaan ko yun pang college ng anak ko ngayon mag college na sya😢 Please help ano pong dapat gawin😭

So true. Mine has been for 10 years but it’s always a loss.

Sir. Mag 3 years na po ako sa VUL.. ang fund value nasa 18k pwde ko n ba ung iwithraw tas lipat nlng sa term insurance?

@SirVinceRapisura

2 жыл бұрын

Basta insurance with investment, hindi po pabor sa inyo yon. Ito po baka makatulong 1. Mga babasahin tungkol sa VUL - vincerapisura.com/reading-not-get-vul/ 2. Paano gawin ang BTID - vincerapisura.com/epektibong-paggawa-ng-btid-upang-masulit-ang-pinaghirapang-pera-sa-insurance-investment/ 3. Paano ititgil ang VUL - vincerapisura.com/anong-gagawin-ko-kung-may-vul-na-ako-paano-ko-ito-ititigil/ Panoorin po mga ito: 4. Better options to VUL: kzread.info/dash/bejne/eGh4lMWvYqXcZaQ.html 5. Sample BTID: kzread.info/dash/bejne/Yp560M-Ck9idYMY.html

For me fund value is just a bonus.

Pwede ko kaya gawing term insurance ung aking vul?right from the start duda ako sa vul nong makita ko na parang nalusaw ang 50k ko

@patrickpunzalan5939

3 жыл бұрын

your VUL should have never been pitched nor considered an investment in the first place :) it is an insurance and a form of wealth protection. Yung cash value niya is more of pang sustain din sa insurance mo but naka invest naman yan :) VUL is a bad thing as an investment but if treated as a protection and insurance, ok naman siya. At least, more of inflation adjusted insurance siya wherein your ‘invested side’ could be added on your insured amount in case na may mangyari sa iyo :) If wala naman and you live till 88 or 100, then yung invested side is plus na lang and can be added as a retirement fund. Never ever treat VUL as an investment. It is an insurance. Review again what is your goal why did you get that VUL? Do you have dependents? Do you have a family na ba? Review again if you remove that VUL, can you afford to lose protection? Anu next plan mo? Baka kapag kumuha ka uli ng insurance, baka mas mahirapan ka na if ever due to age. If you can afford the VUL, then at least try to consider that you can continue to pay for it. try to consider as well to find other Investment vehicles such as stocks, pag ibig mp2 and mutual funds. But again, it depends on you, VUL was meant for a long term protection, not investment. Lesson to be learned from this is NEVER EVER Invest in something you never truly understand. Due Diligence is a must in investing. Great day Kabayan!

@Narsisis

3 жыл бұрын

Thank you for your insight. Cguro masyado lng ako na excite sa investment link ng VUL. I am also doing stocks at nakita ko kc kung paano ung gains sa stocks kaya ako na disappoint with vul. But i'll maybe keep it. I just felt like i made the wrong decision by buying the vul. Gusto ko kc tumubo tlaga ang pera. Thanks kabayan!

@judsonramos4747

3 жыл бұрын

Yes, keep it. I am also a VUL holder and an investor sa ng blue chips stocks. VUL is design for long term horizon. Kung trader type ka, iba talaga sya. Please realize na may charges talaga. Ang kagandahan sa VUL hindi na kasi ikaw ang mag manage. In your case, nakahulog ka na and definitely ikaw ang talo pag umatras ka pa, kaya ituloy mo nalang. Hindi ka naman lugi dya over all.

Sir vince sobra dami ko natutunan sa inyo. Im.planning to get life insurance this year at naoffer sakin vul at ngayon alam kona. At alam ko na di sya for me at mag benefit ako sa term insurance at BTID. Godbless po and continue what ur doing 😊👏

Thanks Vincesa video na to.

@SirVinceRapisura

2 жыл бұрын

Welcome po. Subscribe po kayo sa channel ko at i-share ang mga videos para maraming matuto. TIA!

Salamat sir Vince... Naging maliwanag na sa akin VUL

@shawntelsummerlalisan1194

2 жыл бұрын

kzread.info/dash/bejne/c2qE2KOMnb3Nm84.html

Hello po sir vince! Parang similar po doon sa kinuha kong insurance 7yrs ang payment 58900 per year. 20yrs ang maturity. Ano po ang suggestion? Puede ko kayang icansel yung policy. Di ko alam k7ng vul sya .

@jjmd.cpa_

Жыл бұрын

Long term healthcare yung sayo po with investment.. iba din yung VUL. Actually iba2 kase talaga ang insurance, depende kse yan kung ano priority mo kaya nga meron financial check-up na nangyayari para malaman or ma evaluate ni financial planner kung ano priority mo in life. Better ask your agent or financial planner b4 buying insurances..wag mahiya pong magtanong