brandonhall89
New member
Just a brief info of myself, I am 36, Male, Married, with 1 toddler, may history ang family ko (father side) ng mild stroke. My current income is around 35k only, 8-10k monthly goes to savings para sa anak ko, the rest is for bills and living expenses, As in sakto lang. Now for the insurance info, meron akong 2 insurance na kinuha:
1) BPLAC (BPI-Philam) na binabayaran P1250 monthly since 2021 (every 5 years nataas ang premium) with 1M face value.. Critical Life Saver sya and the benefits are the following:
a) Early Stage Critical Illness Benefit (25% ng face amount ang pwde mong makuha kapag nsa early stage pa lang yung critical illness)
b) End Stage Criticlal Illness Benefit (75% ng face amount ang pwde mong makuha kapag nsa end stage condition ka na)
c) Medical Treatment (up to 10% of face amount, if you plan to treat the illness)
d) Special Compassionate Benefit (5% face amount if mamatay yung policy holder)
2) Singlife Insurance (Cash Income Loss) with P1250 monthly rin started this year with 3M face value. Benefits are the following:
Disability/Death - 100% of face value but in terms of monthly cash benefit (50k/mo) for 5 years and additional 200k at the last payment of cash benefit.
Expanded Accident - 50% of face value, on happens if you got disabled on high risk sport activities, pilot, paid driver, works in a commercial vehicle, acts of terrorism, and during nuclear/biological/chemical warfare.
Tingin nyo po enough na? Or do you have any suggestion na ibang insurance with greater benefits with the same/lower premium? Thanks. Any input will be much appreciated.
1) BPLAC (BPI-Philam) na binabayaran P1250 monthly since 2021 (every 5 years nataas ang premium) with 1M face value.. Critical Life Saver sya and the benefits are the following:
a) Early Stage Critical Illness Benefit (25% ng face amount ang pwde mong makuha kapag nsa early stage pa lang yung critical illness)
b) End Stage Criticlal Illness Benefit (75% ng face amount ang pwde mong makuha kapag nsa end stage condition ka na)
c) Medical Treatment (up to 10% of face amount, if you plan to treat the illness)
d) Special Compassionate Benefit (5% face amount if mamatay yung policy holder)
2) Singlife Insurance (Cash Income Loss) with P1250 monthly rin started this year with 3M face value. Benefits are the following:
Disability/Death - 100% of face value but in terms of monthly cash benefit (50k/mo) for 5 years and additional 200k at the last payment of cash benefit.
Expanded Accident - 50% of face value, on happens if you got disabled on high risk sport activities, pilot, paid driver, works in a commercial vehicle, acts of terrorism, and during nuclear/biological/chemical warfare.
Tingin nyo po enough na? Or do you have any suggestion na ibang insurance with greater benefits with the same/lower premium? Thanks. Any input will be much appreciated.
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