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@sara1985 I have sent you comparative table of VULs vs Term health insurance vs whole life health insurance also the lifetime charges in VUL. Please check your chat request po. Thank you

@bee300 Pls ask your doctor, clinic, and hospital to go kung anong affliated HMO nila bago kayo bumili ng HMO kasi may selected affiliations lang yan po sila and mas updated kung tanungin nyo po sila kasi may mga HMO di nagbabayad ng maayos hence cut ang affiliations.

@bee300 Pls don't mix investments from insurance. Focus first in building your emergency fund at least 3 months worth of your monthly expenses before getting HMO or insurance. You can just wait to graduate before join company with HMO or insurance benefits para di mo na sana out of pocket...

@violetinchrist Yes exactly. To each that serves it's purpose for your financial goals.

@lotwt Please check chat request po. Thank you

@violetinchrist Yan ang tedious explain since may % claims for minor vs 100% coverage claims for major critical illness or death whichever comes first. Best if I can explain thru video call. Walang pa akong nakikita ng health insurance na nagrereset ng coverage once naka claim na especially if...

@aacorn If wala ka pang HMO, I suggest unahin mo muna yun pero kung meron na go for it. Personally gusto ko yan kasi mas priority ko madaming critical illness cover plus with early cancer coverage claims na (which is madaming cancer sa family history namin). On the side nalang yung dividends and...

@violetinchrist Di ko pa afford mag high coverage that time nag apply ako. Di pako FA nun. I was still on residency training. Sakto lang sweldo ko since nagrerent pako that time. Di pwede mag taas ng premium kay Fit and well. Apply ulit so nung nag FA ako nag apply ulit ako ng bago with same...

@lawrencehart I think that would depend on their budget pero kung sila mismo mag dictate to give you an idea average budget for critical illness costs around 2-3M (I am actually from Sun Life and I can give you free quotation for this). HMO naman depends on the company. You can ask for quotation...

@mdsmedia Even non doctors can avail. Usually they're open while under construction. But like any other stocks, there will always be the risk na di ma tuloy yung construction.

@rmayer32 Madami naman term health insurance like Sun LifeAssure, Maiden or Maiden Plus. This is best paired with HMO (better kung may HMO from company benefit). I'm doc Ai from Sun Life 😊 Please do message me for free quotation.

@xamot Please check chat request po. Thank you

@88lance > On the long run, your VUL is still pricier. You know why? Because it's NOT limited payout. It will still depend on your FUND VALUE assuming that the stock market is doing good (unlike now). Also comparing VUL + CIB rider VS health insurance with comprehensive critical illness, CIB...

@ccmrockman Pls check chat request po

@mdsmedia Doctors have connections with founders since most of them are founders. We need hospital stocks to be an active consultant in that hospital so it's a 2 birds in 1 stone for us. Medical benefits of being a stockholder have promising discounts depending on the hospital terms.

@lewis977 I don't what what policy you have but this is terms and conditions for critical illness policies like Sun Life Assure and Sun fit and well: "We will not pay for claims arising from any of the following: (a) any Critical Illnesses which are diagnosed within 90 days fromdate the policy...

@88lance The MRI will just serves to pay your house loan. The question is how about your beneficiary? Would it be okay na wala sila matanggap? Also your term insurance will also pay for the estate tax (kung sino pagmamanahan mo ng bahay). TBH come to think of it medyo lugi yung term insurance...

@aacorn Depende din sa budget mo OP. Kung di kaya sa budget wag pilitin. Meron mga term health insurance na affordable. Kung wala ka pang HMO pwede sabay HMO at term health insurance. May comparative table ako ng features between AIA CP 100, AXA, and Sun fit and well. Reply or message me if...

@naly Review you policy OP. May admin charges pa yan. If mag partial withdrawal ka make sure may ma iwan for charges.

@resjudicata Technically dapat sa fund value. 3rd yr palang nya ngayon palang din yan nagiipon ng fund value since insurance sya on the first 3 yrs. Better talk to your FA about your situation.