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    Best Term Insurance for smoker w/ no dependents

    @sara1985 Question 1: I am looking for at least 1M coverage. Do you guys have suggestions which ones would be the best fit for me? If kaya ng budget, 20 years to pay lang covered ka na for 1M coverage, premium would range from P20K to P25K per year. Ok din naman ang term insurance pero you'll...
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    Insurance question ulit specifically yung x yrs to pay and redeeming current fund value

    @monk58 Kung walang guaranteed or scheduled payouts hindi yun endowment. Yes, there are numerous products you can choose from pero bago ka magcancel ng plan make sure na may kapalit muna. There are risks din kasi like you may not be accepted on standard term especially if for critical illness...
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    Insurance question ulit specifically yung x yrs to pay and redeeming current fund value

    @monk58 If endowment plan na traditional or ordinary life fixed ang payment period. Nagvavary ang paying period kapag VUL ang product lalo na kung di na enough ang fund value to cover charges. Sa description mo mukhang VUL. Sa endowment plan kasi magbabayad ka for a specific period- kunwari 10...
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