Money

[kerwin_sun_life]

Whats Important To You?

[kerwin_sun_life]

I believe we owe a consideration on the people who depend on us.

[kerwin_sun_life]

What I meant is its not just any other commodity in the market; Even if you have the means it does not mean you are insurable.

I don't agree with "Insurance is not a commodity"...

It's a commodity in a way that it’s being offered by a seller (insurance company/agent) to a prospective buyer(client/proposed insured/prospective policy owner) like the other products offered in the market. You should have just mentioned or added its difference with the other products in the market.

You should have also mentioned that insurance is a security, a financial security and also a form of investment in case of VUL products. A normal/ordinary individual without enough knowledge about insurance would say that insurance not beneficial as they will not profit on it and will not enjoy the benefits until only the time of their death (how can they enjoy them if they’re already dead??). Insurance is a financial security for your love ones who’re dependent on you or will suffer financial difficulty should you die.

[kerwin_sun_life]

Just bring the cost down so everyone can afford it. Take out your commissions if you really care.

The cost of insurance is based on mortality table.

Giving back commissions to clients is called rebating, Doing so is corruption. It is against the law. Madami nagrereklamo tungkol sa corruption dito palang sa private sector laganap na.

[kerwin_sun_life]

no offence pero i'd rather stay away from insurance agents like you. ang habol niyo lang ay sales and commissions.
wala naman talaga kayong pakialam sa financial well being namin.

Not all agents are the same, one bad agent does not represent the whole industry.

[palabhoy]

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[EduManzano]

What you need to know about life insurance!

1. Not everyone needs one. You only need it if someone would suffer financially when you die. A good example is if you're the sole breadwinner in the family. But if say, you're single and noone depends on you financially, there is no point having a life insurance.

2. Do not mix life insurance with investing. Most companies that do this don't do a good job of investing your money. One reason is that they have to give 100% of your first year premium to the agent. Then a fraction thereof afterwards. Instead, get a term life insurance where you only pay for the insurance part. It does not have any cash value other than what your beneficiary gets upon your death. It is very, very cheap compared to insurance with investment. Best of all, you don't have to pay a lot in agent commissions.

Remember, if you want to invest, open up an investment account and do it yourself. If you need life insurance, just buy life insurance, nothing more.

[kerwin_sun_life]

What you need to know about life insurance!


1. Not everyone needs one. You only need it if someone would suffer financially when you die. A good example is if you're the sole breadwinner in the family. But if say, you're single and noone depends on you financially, there is no point having a life insurance.

2. Do not mix life insurance with investing. Most companies that do this don't do a good job of investing your money. One reason is that they have to give 100% of your first year premium to the agent. Then a fraction thereof afterwards. Instead, get a term life insurance where you only pay for the insurance part. It does not have any cash value other than what your beneficiary gets upon your death. It is very, very cheap compared to insurance with investment. Best of all, you don't have to pay a lot in agent commissions.

Remember, if you want to invest, open up an investment account and do it yourself. If you need life insurance, just buy life insurance, nothing more.

1. If you are single... No one depends upon you except yourself. You still need to protect yourself.

2. Term in the long run will cost more than a permanent plan.

3. I have heard of the saying buy term and invest the rest.
Well we have now a product that is term with investment VUL.

4. The Insurance company does not pay the agent 100% commission on the first year premium.