Trust builders by Jel

“Kumuha ka na ng insurance”

- ay marami pa akong bayarin
- ay meron na ako (kahit wala pa talaga o outdated na)
- ay busy pa ako
- ay di ko pa need

ang daling tanggihan no?

lalo na kung may mali o kulang na pag-unawa tungkol dito,

ang akala ng marami ito ay..
- bayarin lang
- pang-kabaong lang

but behind this,

ito ay…
- taga-bigay ng income kapag nawala ang kumikita sa pamilya mo
- taga-sigurado na makakapag-college ang anak mo
- taga-bigay ng pera sakaling may magkasakit
- taga-ipon para sa travel, business capital, bahay, o kotse mo
- taga-tuloy ng paikot na puhunan sa negosyo
- tagabigay ng pamana
- tagapagpanatili ng good relationship sa panahong hahatiin ang mana

at marami pang iba.

Kaya bago mo tanggihan ang “kumuha ka na ng insurance”, kausapin mo muna ang TRUSTED advisor mo.

At palaging tandaan na siya ay guide mo lamang sa pagsisimula ng planong fit para sa timeline, budget, at pangangailangan mo.

Maging honest lang.

Sa huli, ikaw pa rin naman ang magti-take ng action.

Pa-insure ka na!

"𝗗 𝗞𝗢 𝗣𝗔 𝗞𝗔𝗬𝗔 𝗞𝗨𝗠𝗨𝗛𝗔 𝗡𝗚 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘, 𝗠𝗔𝗟𝗜𝗜𝗧 𝗟𝗔𝗡𝗚 𝗦𝗪𝗘𝗟𝗗𝗢 𝗞𝗢 𝗘𝗛!"

Personally, I believe this. Kapag maliit talaga sahod mo, hindi naman talaga insurance ang priority mo. Mostly ang priority mo ay maka-survive sa sahod na meron ka.

But why do people say this immediately? Kasi most people assume na mahal ang insurance.

𝑻𝒉𝒆 𝒕𝒉𝒊𝒏𝒈 𝒊𝒔, 𝒊𝒕’𝒔 𝒏𝒐𝒕 𝒆𝒙𝒑𝒆𝒏𝒔𝒊𝒗𝒆. 𝑺𝒂 𝒕𝒐𝒕𝒐𝒐 𝒍𝒂𝒏𝒈. 𝒀𝒐𝒖𝒓 𝒍𝒊𝒇𝒆 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒄𝒂𝒏 𝒃𝒆 𝒄𝒖𝒔𝒕𝒐𝒎𝒊𝒛𝒆𝒅 𝒃𝒂𝒔𝒆𝒅 𝒐𝒏 𝒚𝒐𝒖𝒓 𝒏𝒆𝒆𝒅𝒔 𝒂𝒏𝒅 𝒄𝒂𝒏 𝒃𝒆 𝒂𝒅𝒋𝒖𝒔𝒕𝒆𝒅 𝒃𝒂𝒔𝒆𝒅 𝒐𝒏 𝒚𝒐𝒖𝒓 𝒃𝒖𝒅𝒈𝒆𝒕.

Your trusted financial advisor can help you with that. They can help you compute how much benefits you need based on your current priorities, then you can move forward from there regarding your concerns on the amount. 🙂

Depende lang talaga yan kung saan mo ilalagay ang pera mo. That's how you will know what's important to you. Kaya tara, pag usapan natin😉

𝑶𝒖𝒓 𝒇𝒖𝒕𝒖𝒓𝒆 𝒅𝒆𝒑𝒆𝒏𝒅𝒔 𝒐𝒏 𝒘𝒉𝒂𝒕 𝒘𝒆 𝒅𝒐 𝒕𝒐 𝒐𝒖𝒓 𝒑𝒓𝒆𝒔𝒆𝒏𝒕.

Top Financial Regrets ng mga nasa 40s (Real Talk)

Pagdating ng 40s, hindi na lang pangarap ang usapan... reality na. Ito ang common regrets ng marami:

📌Late nag-start mag-ipon – Nawalan ng advantage sa compounding, kaya hirap makahabol.

📌Walang sapat na emergency fund – Isang medical emergency lang, ubos agad savings.

📌Delayed kumuha ng insurance – Mas mahal na premiums, minsan declined pa dahil sa health issues.

📌Overspending sa lifestyle – Inuna ang luho kaysa long-term security.

📌Walang clear retirement plan – Umaasa sa anak o “bahala na” mindset.

Ang totoo? Hindi pa huli ang lahat... but the earlier you act, the easier it gets.
Start building your safety net today habang may time ka pa.

Comment “START” kung gusto mong ayusin ang finances mo step by step 👇

This is one of the biggest misconceptions.

People delay getting insured because they think it's expensive, then regret it later.

Start small. Start smart.

Mas mabuti nang may konting proteksyon kesa wala.

Your plans don't matter if you're not financially protected. 👊

You plan for your birthday.
You plan for your travels.
You plan for your goals.

But you ignore to plan the one thing that can destroy all of it. - an emergency.

Every year tumataas ang health and medical cost in the Philippines by 15% to 18%

For me it’s really unfair na mostly ng gastusin pag nagkasakit tayo ay manggagaling sa sarili natin bulsa at it’s also unfair na sobrang MAHAL MAGKASAKIT sa Pinas,

Pero that’s the current reality that we are in. And we have to protect ourselves from losing a lot of money just because of one illness.

Hence, kaya need natin ng adequate critical illness insurance

5 years or 10 years from now, baka hindi na kasi sapat kung nasa 500K or lower ang coverage mo for critical illness.

Personally, I think 2 Million Pesos Coverage is a good start and then continuously increase your coverage as you get older and pag tumaas ang financial responsibilities mo.

Though if limited pa ang budget mo for now, you can go with 1M critical illness coverage muna.

Kasi pag dumating na yung sakit, doon na nagiging mahirap lahat.

May medical na, may tests pa, may mga tanong tungkol sa health history mo. Pwedeng mas mahal na, pwedeng may bawas sa coverage, o hindi na ma-approve.

May iba rin na gusto na magpa-insure pero hindi na pwede. Uninsurable na.

Kaya habang okay ka pa, habang wala pang kahit anong komplikasyon, gawin mo na.

Kasi pag dumating na yung kailangan mo na talaga siya, hindi na siya simpleng decision lang.

"𝑫𝒊 𝒌𝒐 𝒑𝒂 𝒌𝒂𝒊𝒍𝒂𝒏𝒈𝒂𝒏 𝒚𝒂𝒏!"

Kalimitang sagot sa tuwing o-offeran ng insurance.

Oo nga naman. Di mo naman talaga kailangan pa yan, kasi di mo naman magagamit yan lalo kung healthy ka.

Pero, diba?

Hindi ka naglalagay ng spare tire dahil gagamitin mo.
Hindi ka kumukuha ng car insurance dahil gusto mong ma-aksidente.
Hindi ka naghahanap ng warranty dahil gusto mong masira ang gamit mo.

You prepare… just in case kasi aminin mo man o hindi,
Alam mong walang kasiguraduhan ang lahat.
At ang lahat, may hangganan—pati ang buhay.

Pero bakit pag buhay na ang usapan, “bahala na”?

When you get insurance, it’s not just for you.
It’s for the moments you can’t control—
so you don’t have to stress looking for help,
and your family doesn’t have to carry the weight.

Habang di mo pa kailangan, paghandaan mo na.

Isang Major Life Expense.

“Ang mawalan ng mahal sa buhay.” 💔

Hindi ito inaasahan… i tayong paghahanda 🥺

Magplano ngayon. Protektahan ang pamilya.

👉 Start your plan today —

“What if an emergency happens—are you truly prepared?” 😟💭
Life is unpredictable, but your health, family’s future, and financial stability don’t have to be.
With FWD, you can secure:
✅ Healthcare – Get the medical support you need, when you need it
✅ Life Insurance – Protect your loved ones from financial burdens ✅ Investment – Build long-term financial security for a brighter future Your family deserves peace of mind and financial freedom.
Don’t wait until it’s too late—start securing your future today! 🧡

📩 Message me now and let’s make sure you and your loved ones are prepared for anything!