Sunlife or Prulife?

[noboss]

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VULs can get negative fluctuations there is no flooring and ceiling on the investment side.
There is a chance that when the investment side cash value becomes low, it cannot fund the protection side and the policy might get lapsed. You need to know this info.

and all these agents want is to sell these products. clients just basing on the theoretical values shown.

[lorenzoleo]

There is another way, instead of buying bundled insurance+investment, you can Do It Yourself, buy a separate protection side then you invest your fund directly into stocks or if you are not familiar with trading, you can directly put it in a mutual funds of your choice.

Usually cash value of VUL are less or zero at the first year of contribution. Alkansi naka daan sa investment side.

[shinngakkusei]

How about kanang naa na sa abroad nag puyu. Like naku 10 years naku diri gawas. Pero mouli jud ko after mga 50yrd old guru naku. Unsa may gwapo nga insurance diha?

[noboss]

There is another way, instead of buying bundled insurance+investment, you can Do It Yourself, buy a separate protection side then you invest your fund directly into stocks or if you are not familiar with trading, you can directly put it in a mutual funds of your choice.

Usually cash value of VUL are less or zero at the first year of contribution. Alkansi naka daan sa investment side.

agree ko ani boss. separate protection and investment. kanang ginapakita sa mga list sa agents na annual returns figures when they offer packages on investments like 4, 8, and 10% na annual return values are merely theoretical. mao na gabutang sila clause na it is not guaranteed para at least safe and ila figures shown. look at the actual performance of their bond or fund packages kay usually below or negative. naa lang jud iba na kusug. search lang ninyo. i think ATR isa nadumduman nako na kusug since naka above 5% sila of annual return on actual and the others kay negative na. mas maau pa gani guro na if investment mo and plano mo not to go direct into trading stocks, which by the way can give you whopping 20-100% return in a month if kabalo jud mo, just look for an independent private fund manager that can give you guaranteed annual returns of 10-20% per annum.

[lorenzoleo]

agree ko ani boss. separate protection and investment. kanang ginapakita sa mga list sa agents na annual returns figures when they offer packages on investments like 4, 8, and 10% na annual return values are merely theoretical. mao na gabutang sila clause na it is not guaranteed para at least safe and ila figures shown. look at the actual performance of their bond or fund packages kay usually below or negative. naa lang jud iba na kusug. search lang ninyo. i think ATR isa nadumduman nako na kusug since naka above 5% sila of annual return on actual and the others kay negative na. mas maau pa gani guro na if investment mo and plano mo not to go direct into trading stocks, which by the way can give you whopping 20-100% return in a month if kabalo jud mo, just look for an independent private fund manager that can give you guaranteed annual returns of 10-20% per annum.

Lahi ug impact kung mu negative or mu drop ang market

Example if the investment side loses 50% dapat ka ug 100% para lang mu break even. Naa jud chance mu low ang cash value not enough to fund the protection side.

[lorenzoleo]

Naa koy libro about ani bai, gikan ni sa America nga libro, katong pag global recession nila, daghan nag yaw2x nga VUL investors. Let me know if interesado ka, mag pahulam ko ani nga libro.

[lorenzoleo]

Tungud aning mu negative ang market dili man permi positive, dapat jud separate ang insurance, go for term insurance or group term para mas maka less.

[op2nd]

" Just a quick information about high insurance coverage.
Most agents are not aware that the higher coverage you have, the higher your insurance cost is.
That is why on the first 3-5 years, the Cash Value is 0. "

.... sori to disagree, AXA has a cash value already even on the first month.

On the positive note sa higher coverage, mas daku mas maayo. That is her/his Legacy of Love to the family. Normal ra ng charges, tho cost of insurance kada company lahi lahi ug rate. Dunay isa x3 compared sa uban.

[op2nd]

How about kanang naa na sa abroad nag puyu. Like naku 10 years naku diri gawas. Pero mouli jud ko after mga 50yrd old guru naku. Unsa may gwapo nga insurance diha?

Mas maayo brad, ikaw mismo mo google, depende pud unsay barometer sa nindot.

Nig maka vacay ka sa pinas, kuha ka daan, ayaw na paghulat nig age 50, basin by that time duna mga pre existing conditions, bisan life lisud na maka kuha.

Kuha ka early while daghan pa mga advantages.


Barometer sa uban:
Ang uban mo ingon nindot kay:
1. Number 1 in Philippines
2. Number 1 in the World
3. Nindot kay dali maka release ug claims
4. Pinaka daku ug pondo sa Pinas
5. Pinaka daku ug pondo Worldwide
6. Maayo ug performance sa Equity Fund
7. Nindot kay barato ang premium
8. Pinaka dugay na diri sa Pinas
9. Pinaka dugay in the World.
10 etc.

[op2nd]

There is another way, instead of buying bundled insurance+investment, you can Do It Yourself, buy a separate protection side then you invest your fund directly into stocks or if you are not familiar with trading, you can directly put it in a mutual funds of your choice.

Usually cash value of VUL are less or zero at the first year of contribution. Alkansi naka daan sa investment side.

Mutual funds are investments
VUL is life protection + investment

Dili mani sila apple to apple

Of course maglahi jud ang cash value. Gibalhin nimo ang Life RISK sa insurance and in return dunay corresponding plete.

And I repeat cash value ni AXA even on the first month, dunay sulod.

Sa unang panahon ang insurance mo bayad ka until acceptable age, e. g. up to age 75. Lets say @age 30 nikuha ka ...45 yrs ka sige bayad. VUL sa minimum of 10 yrs to pay covered naka up to age 100, ang investment side ang nipadayon ug pay sa mga charges.

sa term insurance up to age 75 lang. nig age 76 wala na kay life coverage. VUL up to age 100.