insurance in the philippines

Let me initially make the first post and discuss this topic here. What do you guys think about doing self insurance, when is it beneficial and when is it not?

Hi everyone! I would like to ask if anong VUL works fine with you? I know may negative opinions about VULs so gusto ko rin makita if ano yung positive benefits na naibibigay nya sa mga nag-avail. Thank you everyone!

Magandang umaga interesado po ako sa mga insurance at gusto kong maging non-life insurance agent bilang aking dagdag na propesyon...maari po bang makahingin sa inyo ng gabay kung papaano at ano ang mga dapat kong gawin? Salamat.

I understand that this sub is new, but I hope to see a growth in it soon. Also, maybe having too many subs might be bad and r/phfinance might be nice, but who am I to say? I am not an active commentator or poster in r/phinvest, r/phinsurance, etc.

Hi! I'm 21 years old as of this writing I have a VUL insurance worth 18k/annualy with a CI benefit of 600k which I started last July 2019. I also have a life insurance provided by the company for 600k and an HMO that covers up to 300k for different illnesses. Should I drop my VUL and just...

Hey guys, I'm 25F and I work for a company that gives me an allowance for HMO/Medical Insurance. My co-worker suggested that I get Pacific Cross since he has one. I checked what you guys had to say from months and years ago but I wanted to ask now just in case their service got better. I am...

I pay around 30k yearly, I don't know what kind of insurance my mom got me from sunlife, but will they pay If I die because of sucide?

I am thinking of withdrawing my funds from my insurance company. The reason I am doing this is because my fiance is recommended to have surgery which I am foreseeing to cost a lot. I have not been able to acquire any HMOs or health insurance due to financial setbacks that I have not been able...

I have nothing against insurance agent but it bothers me that they refer to themselves as Financial Advisors. It's misleading since their main aim is to sell a product not to provide the best financial advice to a person.

Hello everyone! Sa mga may variable universal life insurance po. Can you list down the cost structure of your policy. For example : Zurich futura 1-2 years nil allocation perion 3-9 years 93% fund allocation 10+ years and above 98% fund allocation Just want to find out if there are...

hi everyone, im a new regular government employee and im really curious if it would be good idea to get a private insurance (sunlife, aia, prulife and etc.) even though we already have the gsis?

Hello. Looking to get my PC insured. Does anyone know of good ones available in the PH?

I wanted to withdraw some cash sa VUL ko in my sunlife insurance. Fund value is nsa 2k and current fund value is 18k. Alin jan ung pwede ko i withdraw? Medyo confusing which is which

Hi guys! Not sure if this is the right channel for this. But my agent's not been much help clarifying this about the Prulife YourTerm I purchased. So I paid around Php 8,000 for the initial annual premium. Then they sent me my schedule of premiums which has a column "Annual Renewal Premium" and...

Hi phinvest! Is anyone here already bought/applied for AIA Philam All in One? Is it worth to pay 1900/month for these coverage: 750K Life Insurance (up to age 100), 750K Major CI (10 illnesses only up to age 75 only), 750k Accident and Total Disability (up to age 65 only), 750k Personal...

Hi there po! So yung company na nagcontract sakin as VA said they are going to give me an allowance for health insurance. We haven't gotten to discussing as to its frequency (like monthly allowance or semi-annual, or annual ba) and amount of allowance yet, that's why I turn here. I'm wondering...

Hi! Im so new to getting a policy myself. Im already 29 years old living in a community and family where financial freedom isnt that rampant. Im slowly getting into gaining independence. I am now fully aware that one of the steps would be getting myself insured but know very little about it. I...

Hi! Does anyone here who has maxicare individual plan? My plan renewal will be on March but I’m still hesitating if I’ll still continue. Here’s the thing, they have 10% increase on their rates for this year. My plan should be priced at 25,278 pesos but my bill is 28,193.01. As per my agent...

My FA from Pru resigned couple of years ago and I wasn’t endorsed properly to a new FA so I thought of inquiring here instead before I contact their office. Anyway, I’m planning to migrate and a good chunk of money would definitely help in my move. My policy with Pru isn’t final yet and I’m...

Marami ako nakikita specially sa mga FA na meron sila strategy na ginagawa sa insurance for protection. Yung iba meron 5 policies to protect income, health, estate tax and etc. Some questions for FA and non-FA Bakit di na lang kumuha ng 1 plan with huge coverage amount? Ilan policies meron...