My Pru insurance has started to accumulate funds. Should i withdraw half of the fund or wait?

[naly]

My insurance is now on its 4th year and agent told me way back that it will have funds from the investment on its third year. Now, i want to enjoy using the accumulated value of investment. Agent said i should wait on the 10th year kasi my additional daw e bibigay si Pru. Is it worth it to wait?

 

[shiningbrightly318]

@naly Review you policy OP. May admin charges pa yan. If mag partial withdrawal ka make sure may ma iwan for charges.

 

[henyo]

@naly Check your policy kasi baka may withdrawal charges for partial withdrawal. Usually meron sa early years niya at nawawala naman kapag matagal na. Sayang rin kasi.

For the “ibibigay ni Pru sa ika 10th year” is possible lalo na if walang late payment or withdrawal na nangyari so check if may terms and conditions. Possible na bonus siya. Ganyan ang policy ko kay BPI AIA.

 

[greg231]

@naly May withdrawal charges yan OP. Tama lang din na if walang emergency you wait until the 10th year for the loyalty bonus.

 

[resjudicata]

@naly Related question: saan sila kukuha ng value for partial withdrawal? So total prem paid or sa investment fund value?

 

[naly]

@resjudicata Investment fund po