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    Term Insurance With Health Protection

    @resjudicata Sadly, they're not eligible for whole life policy (if yes premiums of 1M coverage will be more than 100k/yr for 10yrs). As for term, it will cost around 70k+ increasing til end of coverage at age 70/75. Also, that will depend on their status of health if will be accepted.
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    Term Insurance With Health Protection

    @johnabill I think almost all of them are not term insurance but whole life traditional insurance w/ cash values (non-VUL). The pure term life/health insurance are Sun Life Assure, AXA FlexiProtect w/ CI, PruLifeCare Series. To add tips in comparing trad health insurance: check listing of...
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    Hi looking for tips

    @happyhorsefeathers That policy is more on investments with minimum insurance coverage of 5x your annual premium. For first timers, I don't recommend that and suggest to get one with a higher coverage instead (either VUL or Trad). 3M term insurance starts at only 12k annual premium.
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    Health Insurance that covers hernia repair surgery for seniors

    @ms There are still options for seniors but it will be very costly. PEC will be subject to assessment (e.g. Pacific Cross Select 50K to 100K+ annual premium). If already for surgery, there is a very low chance of getting approved. If for outpatient labs only, you can check Maxicare Prima...
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    Whole Life + CI complemented with Term + Accident benefits + HMO

    @jeraldine Non-Life Companies Best Value Insurance
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    Health Insurance that covers hernia repair surgery for seniors

    @ms I'm sorry but HMO/Insurance is not charity. They will not cover something that is pre-existing or that you are currently in need of.
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    First Time Getting an Insurance

    @jeraldine Give your policy details to your beneficiaries and contact details of your FA (or even a copy of the policy contract). They can also claim directly to the insurance companies. Health Insurance is similar to Critical Illness insurance that gives you cash to spend for your needs...
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    Anyone know of a good electronics insurance in the PH? (For my PC)

    @niki24 Yeah. For breakdown, it's actually called warranty. :) For property insurance, PC can be covered under home insurance for contents in case of fire, earthquake, typhoon, flood, etc.
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    How to be a Non-life insurance Agent???

    @revonue Same with Life Insurance, IC exam/license is required and you need to affiliate with a certain company. PGAI, Malayan are the Top 2 with purely non-life business (fire, property, car, accident, etc). While AXA and Philam are within Top 5 that have both life and non-life business.
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    Whole Life + CI complemented with Term + Accident benefits + HMO

    @jeraldine Usually non-life insurance companies. :)
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    Whole Life + CI complemented with Term + Accident benefits + HMO

    @bohemianmom Yeah. It's actually cheaper to avail a standalone 2M personal accident insurance which is only 2k/yr than a rider.
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