Team Rey - Financial Advisors

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Promoting Financial Literacy by sharing the importance of having a Savings, Insurance, Investments, and an Additional Source of Income in the form of being a Financial Advisor.

Saan aabot ang 100pesos a day mo?May Investment ka na, Insured ka pa with these benefits.Bukod sa cost, always check din...
12/05/2021

Saan aabot ang 100pesos a day mo?

May Investment ka na, Insured ka pa with these benefits.

Bukod sa cost, always check din yung benefits.

halos magkapareho yung 2 pics diba?Kinopya ko lang kasi yung isa, tapos iniba ng kaunti, then post 😂😂😂Pero what's my poi...
05/05/2021

halos magkapareho yung 2 pics diba?

Kinopya ko lang kasi yung isa, tapos iniba ng kaunti, then post 😂😂😂

Pero what's my point ba?

Sa 1st pic, makikita mo yung nakapagplano para sa retirement nya. Kumayod sya ng husto nung nagtatrabaho sya, and nakapag ipon for his retirement.

Sa 2nd pic naman, di nya napagplanuhan ang retirement nya kaya both energy and money ay wala sya pagtanda nya. Maaaring mababa talaga sahod nya at sakto lang, or YOLO sya nung kalakasan nya, or nagkasakit at naubos ipon, or nag invest sya pero di nya nagawa ng tama and eventually nalugi o sa scam nag invest. Madaming rason.

Kung sa 1st pic nga nakaka sad na, whats more pa dun sa 2nd pic.

Pero eto sya. There is a way para maging katulad ka nung nasa 1st pic - thru VUL

✅ forced savings - ok naman gumastos sa luho, pero magtabi ka for your future (retirement). Di habang buhay malakas tayo
✅ critical illness and protection benefits - with VUL, magbibigay ng pera ang insurance company kapag nadiagnosed ka ng critical illness, na disabled ka, or namatay ka.
✅ sobrang ganda ng credentials ng Fund Manager ni Pru. Search nyo sa google - Eastspring Investments. Saka dahil regulated ito ng government, 101% legit ito.




Hi guys, please take time to read:As an Insurance and Investment Advocate I'd like to share this with you. Please see pi...
04/05/2021

Hi guys, please take time to read:

As an Insurance and Investment Advocate I'd like to share this with you.

Please see picture below. 🙂

When is the best time daw to buy an insurance? Marahil iba sa inyo, eto din ang katanungan.

Ito sagot, Insurance is best for the young and healthy. And the best time to get one is NOW. Ngayon, sure ka na healthy ka pa or insurable ka pa, but tomorrow, we never know. At kung birthday mo na bukas, mas mahal na ang insurance.

Kaya maximize your young age, kasi:

✅ Cost of Insurance is cheaper at younger age
✅ You have Less Financial Responsibilities
✅ No medical needed

As we aged, our health is declining and the price of insurance is no longer cheap. Worst, dami mo na financial responsibilities that you can no longer prioritize getting personal insurance.

Babala, Critical Illness and Accident won't care if you're financially ready or not. It can strike anytime. Are you prepared? 😱

If you'd like to see our critical illness/hospitalization/income replacement program with Pru. I can help you. Message me sa messenger.

Stay safe everyone!

Reynald Jerico Jose
Insurance and Investment Advocate
Associate Unit Manager

Nag iipon ka na, may kasama pang benefits.Take note, di lang basta ipon yan, naka invest yan kaya mas malaki ang balik s...
27/04/2021

Nag iipon ka na, may kasama pang benefits.

Take note, di lang basta ipon yan, naka invest yan kaya mas malaki ang balik sayo after 20 years compare pag sa bank ka lang nagsave.

Uses of VUL Insurance #3 - MRI (MORTGAGE REDEMPTION INSURANCE)First, ano nga ba ang MRI?Ito ay yung kapag nagloan ka sa...
06/04/2021

Uses of VUL Insurance #3 - MRI (MORTGAGE REDEMPTION INSURANCE)

First, ano nga ba ang MRI?

Ito ay yung kapag nagloan ka sa bank for a major purchase, irerequire ka ng bank na kumuha ng insurance na may Death Benefit katumbas ng amount na iloloan mo.

Halimbawa magpapatayo ka ng bahay na naghahalagang 1M, and dahil di enough budget mo, nagloan ka sa bank, lets say niloan mo yung buong 1M na payable up to 15 years.

Sigurista yung banko, what if mamatay ka bago mo ma fully paid yung niloan mo, gusto nila ng assurance na mababayaran pa din yun. Kaya ang gagawin nila, papakuhain ka nila ng Life Insurance na in this case, may Death Benefit na 1M, at dapat in force yung policy mo hanggang mamatay ka or matapos mo yung paying period ng niloan mo, whichever comes first.

Ngayon, dito papasok yung Term at VUL na na explain ko sa previous post ko.

🔴 Sa Term Insurance, mas mura sya lets say kalahati or up to 70%. Pero let's say matapos mo yung 15 yrs na paying period, walang perang babalik sayo since Pure Insurance lang siya at walang investment na kasama. At kung gusto mo ituloy insurance mo for personal use na, mas mahal na ito kasi mas matanda ka na compared sa mga lumipas na taon, at panibagong bayad uli. Magkano yung perang itinapon mo, 15yrs x kung magkano yung Annual na binabayaran mo, lets say 12k per year, 180k din yun.

🟢 Sa VUL Insurance, yes mas mahal sya sa una, lets say 36k per year. Pero let's say same scenario, natapos mo paying period, naibalik na yung perang ipinanghulog mo for 15 yrs thru investment, baka nga may tubo pa, at if ever gusto mo din ituloy yung insurance mo for personal use na, same cost sya kung magkano mo ito kinuha 15 yrs ago.

In short, saan ka talaga mas nakatipid? Doon ba sa:

🔴 12k X 15 = 180k na naibayad mo for the whole 15 yrs at walang balik? At kung balak mo i extend ito, this time around 25k na yearly mo for the same coverage, nadagdagan kasi, edad mo.

or

🟢 36k X 15 = 540k pero may projected na 500k to 800k na investment after 15 yrs? At kung iextend mo man yung hulog mo, mas malaki yung potential growth ng investment at 36k yearly pa din.


Uses of VUL Insurance #2 - Estate PlanningYes, you can use Life insurance as a way to reduce your tax legally. Pano?Acc...
29/03/2021

Uses of VUL Insurance #2 - Estate Planning

Yes, you can use Life insurance as a way to reduce your tax legally. Pano?

According to picture #2, lahat ng mga naipundar mo (pera, ari a***n, alahas, etc) ay subjected sa 6% na estate tax bago mo ito mailipat sa ibang pangalan.

Kung may 100 Million ka na Total Net Worth, ibig sabihin nun ay may kailangan munang isettle na 6M bago ito tuluyan maitransfer halimbawa sa anak mo. Di pa kasama dito yung gastos sa abogado, dokumento, etc.

San papasok dito yung Estate Planning? Insurance ang gamitin mo to cover that estate tax.

Halimbawa, kung kukuha ka ng 600k Annual na plan na huhulugan mo for 5 yrs, kaya na nun icover yung 6M na estate tax thru death benefit. Pero ang total na nahulog mo lang sa VUL plan mo ay 3 Million. And take note, Life Insurance is Non Taxable.
(600k/year * 5yrs)

Tapos, ang kagandahan pa nun, may pera ka pang naka invest, na after 5 yrs, higit na mas malaki na compared sa total na naihulog mo.
(Investment after 5yrs > 3 Million na naihulog)

Im short, nakalibre ka na ng estate tax, tumubo pa pera mo thru investment.

Sounds scam ba? Ganun talaga sya sa una kasi nga ang laki ng benefits, pero thats how VUL works, and regulated din kami ng government.

Siguro next concern mo ay masyadong malaki yung 100 Million. Yes, kaya nga maganda may makausap ka na Financial Advisor para ma explain nya ito ng maayos pa at mai posisyon nya ito based sa financial status mo.

Message mo lang ako. Free Consultation naman and Non Committal. Thru online lang din kaya no risk of getting a covid.

Nag invest sa maling tao compared sa nag invest kay Pru.May investment ka na, insured ka pa.Share ko sayo how it works, ...
26/03/2021

Nag invest sa maling tao compared sa nag invest kay Pru.

May investment ka na, insured ka pa.

Share ko sayo how it works, free lang naman and thru online lang.


Uses of VUL Insurance #1 - Education FundProspect: May education fund ba kayo? Gusto ko kasi kuhaan yung anak ko para m...
25/03/2021

Uses of VUL Insurance #1 - Education Fund

Prospect: May education fund ba kayo? Gusto ko kasi kuhaan yung anak ko para may mangyari man sakin, sigurado makakapagtapos ng college ang anak ko.

FA Rey: Yes meron po. Eto sample, 5 years mo lang huhulugan, then after 5 years, bawi mo na lahat ng hinulog mo. Then kung di mo gagalawin at hahayaan mo lang yung pera for another 5 yrs, halos dodoble pa yung amount nyan. And, kung sakaling may mangyari man sayo, si Insurance Company na magtutuloy ng hulog mo.

Prospect: Ayos to a, sige ipresent mo sakin.

👨‍🎓👨‍🎓👨‍🎓👨‍🎓👨‍🎓

Yes, since may investment na kasama ang VUL, pwede iposition yung pera na naka invest sa pampa aral ng ating anak sa kolehiyo.

Yes, maaaring some of you malaki yung monthly na hulog based sa sample, pero meron kaming option na swak sa budget nyo.

Kung gusto mo makita yung iba pang options, Message mo lang ako. Free Consultation naman and Non Committal.

Address

Pasig

Opening Hours

Monday 8am - 7pm
Tuesday 8am - 7pm
Wednesday 8am - 7pm
Thursday 8am - 7pm
Friday 8am - 7pm
Saturday 10am - 5pm

Telephone

09278977657

Website

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