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@shiningbrightly318 Hi, I appreciate your response. I had a VUL from sunlife before but I terminated since I switched my finances heavily on real estate side but Im gonna check that one. I didnt like whole life insurance because of its cost which is pricier than term. Does estate tax apply to...

Need advice Hi, i recently got a property with an mri tied to it. I already have a term insurance for 15years but unfortunately I wasnt able to change the bene to the bank when I was applying for the house loan. Should I renew my term insurance (15yrs) of 12k/yr (+100 or 200php every suceeding...