What is BTID? Or Buy Term, Invest the Difference

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  • Опубліковано 30 жов 2024

КОМЕНТАРІ • 253

  • @fliptheflipped
    @fliptheflipped Рік тому +1

    Starts at 2:34. Thanks for the info po!

  • @marklennmanota7670
    @marklennmanota7670 2 роки тому +1

    Ang po ganda nung last part na sinabi nyo na "No selling, just advising." naappreciate namin yung mga contents nyo sir. Dami ko na rin natutunan sa mga videos nyo po. More power sainyo sirs! Nakakatuwa din yung mga tito jokes nyo haha

  • @Jadetine9604
    @Jadetine9604 6 місяців тому

    Thank you po. Objective explanation. 👏👏👏

  • @marisasurbano922
    @marisasurbano922 3 роки тому +1

    Yes, u're doing better..i mean u're already the best financial adviser..dami ko po natutunan sa inyo. God bless u all po.

  • @KellyStevePDavid
    @KellyStevePDavid 4 роки тому +1

    Thank you so much for this. It makes me sad dahil onti palang ang views, very few Filipino palang talaga ang mga interesado sa insurances.. i am very lucky to find your UA-cam channel! This is way better to watch than other people's chismis/life!

  • @leovillarama9771
    @leovillarama9771 5 років тому +11

    Its better to learn all the posibilities bgo kumuha ng insurance. Sa dmi kasi ng product nila. Nakaka hilo mamili. At dapat magaling mag advise and explain ang agent. Gaya nila idol. Hehehe. Congrats! Mga sirs!.

    • @WealthArki
      @WealthArki  5 років тому

      Leo Villarama thank you!

  • @lornatorrente2247
    @lornatorrente2247 5 років тому

    your channel is really a big help for filipinos who want to grow their money and learn to handle finances
    nakakatuwa ung partnership or discussion nyo kc very light and funny. Balanse ung personality nyo 2. galing na mga teachers🙌🏻🙌🏻🙌🏻

  • @ldf3
    @ldf3 4 роки тому +2

    I'm from Sun Life, and I appreciate how you explained the BTID in a professional manner mga Sir 😊
    The bottom line po ay kung ano po ang kakayahan ni client as well as their needs and goals.
    Term Insurance and VUL are designed to help the clients 😊😊😊

    • @WealthArki
      @WealthArki  4 роки тому +1

      thank you for appreciating our video. please do watch our other uploads as well, as they might interest you, too.

    • @ralphhebra7676
      @ralphhebra7676 4 роки тому

      @@WealthArki Gusto ko ang pag ka explain nyo. However i would like to add na ang limitation lang as i observed walang whole life na term. after you reach 65 your coverage is gone.. at that age you will need to plan for your estate na naman, term will no longer be available. Kaya tama yon'g part of the planning na convertible na term anytime. Di ka lang na tapos hanggang dulo due to internet prob. But thumbs up. :)

  • @yhangdejesus
    @yhangdejesus 5 років тому +1

    Thank you mga Sir npakaclear ng pagkakapaliwanag nyo

    • @WealthArki
      @WealthArki  5 років тому

      thanks! please do share the learnings--and our videos, too!

  • @hajiro9061
    @hajiro9061 3 роки тому

    Thank you so much for this; I’m planning to acquire insurance on my 18th birthday(3 months from now), which helped me choose what to get.🤗

  • @mikeyrubio25
    @mikeyrubio25 3 роки тому

    2021 46.7k subscribers na kayo. Congrats

    • @WealthArki
      @WealthArki  3 роки тому

      Thank you! Please do share the learnings-and our videos, too!!!

  • @teamworkmakesthedreamwork_6211
    @teamworkmakesthedreamwork_6211 5 років тому +1

    Salamat pong muli sa video na ito, mga sir. Very helpful talaga. Tanong ko lang po, ang 5k na investment po ba ay meron na din pong mapupuntahan? If so, saan po ito maganda iinvest? Pasensya na po sa tanong ko :) . Salamat po.

  • @gandalfcandaza
    @gandalfcandaza 5 років тому +3

    Very informative. Thanks for this video Fitz and Rienzie. We need informative videos like this. God bless and keep it up until your 100K subscriptions.

  • @gelopo200
    @gelopo200 5 років тому

    Salamat sa mga effort nyo at pag share ng mga kaalaman sa kaperahan. 🤙

    • @WealthArki
      @WealthArki  5 років тому

      thanks! please do share the learnings--and our videos, too!

  • @augustusjohnleyson3307
    @augustusjohnleyson3307 5 років тому +2

    As usual, great content mga sir!
    Gusto ko yung approach na depende talaga sa cash flow ng client if kaya mga VUL or BTID nalang. :)

    • @WealthArki
      @WealthArki  5 років тому +1

      Augustus John Leyson thank you. advice should really be customized.

  • @elaspotter
    @elaspotter 8 місяців тому

    im 54 yrs old may magaan p bng term ng BTID i(nsurance) po b na puede kong i avail?

  • @Thords24
    @Thords24 3 роки тому

    thank you for the explanation. Im just curious bkit financial advisor tawag s kanila imbes na Insurance Agent?

  • @rolliecruz2886
    @rolliecruz2886 5 років тому +2

    Congrats !! 10k na mga ser. 1mil na sunod neto

  • @noviceragnarokplayer
    @noviceragnarokplayer 5 років тому

    Ganda nung sinabi na example nila sirs! Keep it coming!!!

    • @WealthArki
      @WealthArki  5 років тому

      thanks! please do share the learnings--and our videos, too!

  • @froilanesposa1616
    @froilanesposa1616 2 роки тому

    Panong nangyri na 100k ang yearly payment tas 1M lng ang sum assured? Samantalang I have client na nsa 36yrs old, nsa 1.5m ang sum assured nia tas 36k lng ang yearly payment nia...?
    Actually sa VUL daming choices nman, kung maliit ang pera mo pero gusto 1M or mahigit ang death benefits then kayang gawin un, bsta't ung client below 40yrs lng...

  • @maritonisermeno9025
    @maritonisermeno9025 5 років тому +35

    Starting @2:13,sir rienzie wag nyo naman po pagtawanan yung mga nagtatanong sa inyo.kaya nga nagtatanong kasi hindi alam.

    • @kevinmoreno3329
      @kevinmoreno3329 5 років тому +3

      Haha ok lang yan. Natuto naman tayo ng marami from them.

    • @daledael5263
      @daledael5263 5 років тому +1

      Mali kasi ang grammar... kaya nakakatawa. Dapat kasi yung tanong is ano ba yung BTID mga sir? Isa pa kung pinagtawanan tayo sa ating pagtatanong at tinanggap natin, senyales nun mas valued natin matuto kaysa ang ating ego. Go lang ng go brad. Basta matuto ok lang yan!

    • @jaquelyndiamante8488
      @jaquelyndiamante8488 5 років тому +2

      Makatawa naman to, wagas!

    • @napoleonbonaparte4410
      @napoleonbonaparte4410 4 роки тому +1

      Oh come on, why so serious? Wala namang malice yon. :P

    • @raketbiz1154
      @raketbiz1154 4 роки тому

      @@daledael5263 mm?

  • @underscoreunclaimed
    @underscoreunclaimed 5 років тому +1

    mga brods, congrats, still watching till i get my financial goals achieved, really inspiring and knowledegable, just one question, anu po ung convertible term?

    • @WealthArki
      @WealthArki  5 років тому

      mrhoodieandboardwannabe thank you. we have discussed it in our video. please do watch it again should you have missed it. thanks!

    • @underscoreunclaimed
      @underscoreunclaimed 5 років тому

      ay sorrysir, what i mean is what are examples of convertible terms? thank you for answering and sharing your knowledege, sobrang helpful po👍👍👍

    • @WealthArki
      @WealthArki  5 років тому

      @@underscoreunclaimedit is a product by itself already.

  • @jojidesu9293
    @jojidesu9293 5 років тому +1

    Sir FItz and Rienzie, how about as BPI direct save up which is 10x ng ADB yung insurance, mukhang maganda yun e, balak ko pong mag open kame ng misis ko ng bukod which yung laman e emergency fund namin.
    Saka ok Lang ba yun sa isang breadwinner like me kesa kumuha ako ng term insurance? nalilito pa kase ako kung term ba o yung sa bpi with insurance.
    Salamat po sana magreply kayo.

  • @fg1249
    @fg1249 5 років тому +2

    Hi sir . May I know the specific insurance you mentioned ?

    • @WealthArki
      @WealthArki  5 років тому +3

      Florante Gerona for the client, we got Pru. for ththe spouse, we got manulife. we really evaluate on the best fit for the client and go for it

  • @ma.theresadatu7239
    @ma.theresadatu7239 4 роки тому

    I need to know what is your recommendation for insurance co that gives a great buy for BTID..thanks much

    • @WealthArki
      @WealthArki  4 роки тому

      Ma. Theresa Datu that would depend on your financial needs, resources and goals. once we have that, then we can accurately recommend what is the best one for you. we can do that thru our financial consultation services. kindly visit our website, wealtharki.com for more info. thanks!

  • @mhaybernalesph4578
    @mhaybernalesph4578 4 роки тому

    What company po yung na mention nyo na may cheap educ plan? I'm planning to get my baby educ plan and looking for the right company. Thank you

  • @larrybautista8886
    @larrybautista8886 2 роки тому

    Sir ano po magandang insurance? I have 2 kids 11 and 8 yrs old. Pls guide me.

    • @WealthArki
      @WealthArki  2 роки тому

      Hi the best insurance is the product/s that will fully cover your insurance needs. For a more accurate recommendation it is best to schedule a consultation with us through email so that we can compute and recommend the right insurance products for your needs. thanks!

  • @captainsid9712
    @captainsid9712 5 років тому

    now i know..thank u mga idol s info..congrats s 10k subscribes ksma n aq dun😁👏🏻..i hope umabot tlg s 100k..more vlog to come s inyo🙏🏻

  • @alexandersebastian2080
    @alexandersebastian2080 5 років тому +1

    Nice video. Tagal ko na na nood ng video nyo kanina ko lng napansin na di pa pala ako naka subscribe😅😅nakapag invest na nga ako sa mp2, uitf, mutual fund and bpi money market tapos ngayun lng ako nag subscribe hahahha. Any thank you guys keep it coming marami kayo natutulungan. Next baka pwedi usapang coop nman?
    Alex here from hongkong

    • @WealthArki
      @WealthArki  5 років тому

      please do check out our video on that: ua-cam.com/video/EZ-cJNPKU_I/v-deo.htmlua-cam.com/video/EZ-cJNPKU_I/v-deo.html
      thanks!

  • @bimboyaquino7091
    @bimboyaquino7091 4 роки тому

    Well mostly of those BTID nagiging Spend the difference nalang since hindi na makaavail/maapprove yung term insurance. Ang ending walang naipon sa edad na 65. Laging kung maririnig yung stock market investing pero prone yan sa losses at volatility na pwedeng hindi na makarecover yung funds mo natatagal ng months or years kaya saan kukunin yung panggastos sa panahon na yun? sa SSS? Yang term insurance madalas may hidden charges tulad ng KINUHA ng lolo ko sa Loyola/St Peter ng kailangan na niya(dahil natigok na) wala na at hindi nagmature yung fund niya diyan ngayon papasok yung hidden charges sinabi sa amin na may balanse pa kasi tumaas yung presyo ng coffin etc.

    • @WealthArki
      @WealthArki  4 роки тому

      part of the investing strategies that we recommend is de-risking, i.e., shifting from stocks to a more conservative instrument as the goal goes nearer.
      so for example, a young person has been investing in the stock market, they will slowly shift to bonds or bond fund say, for example, 5 years prior retirement such that they would already lock-in on the gains they have built over the years. of course, it makes sense to continue investing a portion of the portfolio in the stock market, but that has to be computed carefully.
      we do not advice putting all of your portfolio in the stock market during retirement, as it is subject to volatility.
      but for the long-term, the stock market rises and increases value of the investment. check the historical PSEI since the late 1980s in this regard so you can see the long-term performance and see the forest and not the tree.

  • @emersonlastra6781
    @emersonlastra6781 5 років тому +3

    Kaya pala 5% of monthly
    expense lang pala
    Ang kailangan i-allocate para magkaroon ka ng insurance..
    Big difference!!!

    • @WealthArki
      @WealthArki  5 років тому +1

      we don't really subscribe to any percentage for allocation, but our approach would be the most cost-efficient solution without affecting other financial goals.

    • @emersonlastra6781
      @emersonlastra6781 5 років тому

      Thanks po for the info... :)

  • @nhoj18bee
    @nhoj18bee 5 років тому +1

    subscriber since day 1 video! congrats 10k na! sir fitz & rienzie any advices saan pwede kumuha ng local investment company? for a term life insurances?

    • @WealthArki
      @WealthArki  5 років тому

      local investment companies do not offer life insurances.
      you should look for life insurance companies. we can design an insurance plan for you as part of our professional services. please do inform us if you are interested.
      thanks!

  • @bigjoy0122
    @bigjoy0122 4 роки тому +1

    Thanks for sharing, question: Paano kapag nakapagstart na ako ng VUL PLAN ko last Oct 2019, pwede ko ba ipaconvert yung VUL plan ko into Term Insurance??? thanks

    • @WealthArki
      @WealthArki  4 роки тому +1

      Hi Bigjoy, you cannot convert your VUL plans to a term insurance. Kindly contact your adviser if you wish to have a term insurance instead of a VUL plan.

    • @bigjoy0122
      @bigjoy0122 4 роки тому +1

      @@WealthArki Hi thank you so much, I already told my agent about this, yes it is not convertible, but she said to me I can pay for my VUL plan for 10years and its up to me if I will withdraw the money and leave 10% - 20% of the plan.

    • @hajkyle12
      @hajkyle12 2 роки тому

      @@bigjoy0122 Hello, we have the same situation but have VULs. Yes, 2 VUL plans, 1 from Pru monthly (started 2019), and 1 from Sunlife quarterly (started Oct last Q of 2020). I came across this YT channel to get professional insights as I'm determined to terminate one of them, Sunlife maybe. Regarding "she said to me I can pay for my VUL plan for 10 years and it's up to me if I will withdraw the money and leave 10% - 20% of the plan" did you still continuously pay for it up until today and planning to finish it for 10 years, how will it benefit you? Thanks for answering this!

  • @ninja2niassmov894
    @ninja2niassmov894 3 роки тому

    Hi po.. Saan po matatagpuan yan BTID... SA MGA BANGKO PO BA OR COOP

    • @WealthArki
      @WealthArki  3 роки тому

      Kindly watch our video as we discussed BTID there in greater detail. Thanks!

  • @Netflixter1536
    @Netflixter1536 3 роки тому +1

    Ang down side lang ng Term insurance ay hangga't hindi ka nagkakasakit, wala kang macclaim sa insurance company mo. Like for example 25 ka pa lang kumuha ka na ng term insurance, then at the age of 55 wala ka pa din sakit, yung hinulog mo for 30 yrs bye bye na. Wala kang napala.
    Sa age ko (25) nag paquote ako ng VUL=31k per annum with critical illness at iba pang riders then nagpaquote din ako ng term insurace 22k per annum. Yes mas mura sya kesa sa VUL pero hanggat di ako nagkakasakit wlaa sya pakinabang.
    Unlike VUL, may investment side sya na pwede mong kunin once nagmature na ito at 5 years to pay lang.

    • @carloconopio6513
      @carloconopio6513 2 роки тому

      Isa pa habang buhay ka need mo magbayad kung gusto mo mainsure ka..kasi mamintis ka lng tapos minalas k dun kp namatay .awit wala k ng nakuha dami mo pa binayad.isipin mo exmple kunwari 80k pla mamatay tapos hngng dun mababayad k parin kasi kung tumigil ka sayang nmn mga previous m n bayad

    • @jenarch25
      @jenarch25 Рік тому

      kc po hindi investment si term insurance... kaya nga po INVEST the DIFFERENCE. meaning instead ibayad mo sa insurance premium mo un difference... kaw na mismo magiinvest sa different instrument.... @@carloconopio6513

    • @jenarch25
      @jenarch25 Рік тому

      hindi po kasi gkc po hindi investment si term insurance... kaya nga po INVEST the DIFFERENCE. meaning instead ibayad mo sa insurance premium mo un difference... kaw na mismo magiinvest sa different instrument.... @carloconopio6513 anun yun...

  • @abeldequina9136
    @abeldequina9136 4 роки тому

    Mga sir advice naman anong company na may term insurance at yong education term investment

  • @crissanchez4253
    @crissanchez4253 4 роки тому +1

    Sir Fits ang Sir Rinzie. good morning , i am really so thankful i was able to watch you both kc all topics are inormative. I am already 57 y/o, single, can i still buy Term Life Insurance and how much it would cost me annualy ? Thanks again. please continue making informative videos.

    • @WealthArki
      @WealthArki  4 роки тому

      thank you for your kind words. yes, you can still by term insurance, but the price would depend on a lot of factors such as the insurance coverage, your age, health status, etc. Get a quotation from insurance agents so you can have an idea. Thank you.

  • @001jj-
    @001jj- 3 роки тому

    Hello Sirs, Goodevening.. Pwede pong malaman yung insurance company na 5k/annum term insurance with 1M coverage? Salamat

    • @WealthArki
      @WealthArki  3 роки тому +1

      Insurance companies give quotes depending on the client’s age and health conditions, among other factors, so comparing quotations of other persons w/ yours would be like comparing apples to oranges.
      What we recommend is you can shop around different insurance companies and get a quotation for the same amountnof coverage so you can compare their pricing applicable to you.
      Thanks!

    • @001jj-
      @001jj- 3 роки тому

      @@WealthArki Thank you so much Sir! I appreciate your reply.

  • @ziyeLa
    @ziyeLa 4 роки тому

    Hello po, anong term insurance po may 8-10m na coverage for only 20k a year?

    • @ianjohnjuayang5005
      @ianjohnjuayang5005 4 роки тому

      Sa Manila Bankers, yung MOST 18 nila.. go can have insurance coverage up to 10milyon

  • @artprincess3996
    @artprincess3996 4 роки тому

    Hello Sir! Anong insurance company P.O. Yung minention not? Ty!

    • @WealthArki
      @WealthArki  4 роки тому

      Hi Princess, we do not have any preferred insurance company, the example that we have is just a general example. Thanks!

    • @ianjohnjuayang5005
      @ianjohnjuayang5005 4 роки тому

      Princess, you can have it at Manila Bankers, my MOST 18 sila dun na BTID.

  • @laytechmaster
    @laytechmaster 5 років тому +1

    Anong insurance company po ba ang nago-offer ng mahabang term insurance? And for how long ang term? Thank you.

    • @WealthArki
      @WealthArki  5 років тому

      laytechmaster almost all of them offer longer than 1 year. we saw one that offers as much as 10 or 15 years

    • @melaniebeltran2703
      @melaniebeltran2703 5 років тому

      Pero ung mga ahenta OMG VUL agar ang iuprepresent sayo. 😢

    • @ctventertainment2605
      @ctventertainment2605 2 роки тому

      @@melaniebeltran2703 kaya nga mam

  • @engrjack1
    @engrjack1 4 роки тому

    Sir, naconsider nyo po ba yung Policy Term? Kasi ang VUL, mostly lifetime ang coverage nung insurance portion nun (til age 100). Yung example nyo po ba na 27K, how long is its premium term?

    • @ldf3
      @ldf3 4 роки тому

      Term is also known as Temporary Insurance. Usually 5 years covered then renewable.
      And every time you renew mag iincrease yung premium (payment)

  • @bosscheng8948
    @bosscheng8948 5 років тому

    Congrats mga boss😊

  • @liza9412
    @liza9412 5 років тому +2

    Good afternoon po, very interesting po ang topic nyo , Saan po pwedeng mag pa quote ng Term with investment na tulad ng sinasabi ni Sir Renzie, interested po kmi. Salamat po

    • @WealthArki
      @WealthArki  5 років тому

      Annaliza Angeles almost all insurance companies can offer this. thanks!

    • @liza9412
      @liza9412 5 років тому

      Ah but yung offer po sa akin ng BPI philam is only 1.3m for Insurance at 100k annually for 5 years.

    • @liza9412
      @liza9412 5 років тому

      Thank you for reply po, more power and congrats po.

    • @Guevarratology
      @Guevarratology 5 років тому +2

      @annaliza we have term insurance in Prulife for only 8k annual with 2M insurance coverage, it is convertible after 2 years

    • @WealthArki
      @WealthArki  5 років тому +3

      Annaliza Angeles best to get quote from as many insurance companies as possible. also, the quotation on the coverage should be based on your needs, so they should be able to compute for this first before arriving at the amount to cover. thanks!

  • @markhualda7488
    @markhualda7488 5 років тому

    Sharing this to all my petron friends. 🙂👍

  • @markangelluminta9352
    @markangelluminta9352 4 роки тому

    Hi sir,
    Can you share your thoughts about VUL na may Hospital Income Benefit. Planning to get 1 po eh. Thank you in advance.

    • @WealthArki
      @WealthArki  4 роки тому

      Mark Angel Luminta hi you may check our video about health insurance as we touched upon the subject matter m.ua-cam.com/video/68HWqOjAa9g/v-deo.html

    • @WealthArki
      @WealthArki  4 роки тому

      Mark Angel Luminta it’s a good one, but we cannot comment if it would be the best for you. For that, we need to take into account your financial needs, goals and resources. We can do thay thru our financial consultation. Please do visit our website, wealtharki.com for more details. Thanks!

  • @qualityassured27
    @qualityassured27 5 років тому

    Na confused pa din ako sa BTID vs VUL. Meron po ba kayong listed PROS and CONS ng both

    • @WealthArki
      @WealthArki  5 років тому +1

      Kindly watch our videos on our insurance playlist for more info. Thanks!

    • @qualityassured27
      @qualityassured27 5 років тому

      Wealth Arki Thank you po sa pag reply. More power!!!

  • @sofroniodelapena6017
    @sofroniodelapena6017 5 років тому

    Hello Mga Sirs. I just want to know which insurance provider quote the term insurance that involves educational plan with 14-20k annual premiums only.
    Great Content!
    Thank you in advance!

    • @WealthArki
      @WealthArki  5 років тому

      Sofronio Dela pena the one we mentioned in the video has quoted for our particular client given the client’s age and lifestyle. Chances are that you would be having a different quotation as your financial needs and the aforementioned factors would be different so we really cannot just go by that same provider for you.

  • @marb9200
    @marb9200 4 роки тому

    The what about kung 50 60 year old kana my insurance company pa ba na nag oofer ng term insurance since ur old ?

  • @nicolodeown
    @nicolodeown 4 роки тому

    haha. i really like the two of you. sana maging successful wealth arki para makapag empleyado sa company nio 😂

  • @RonaldoKrus0904083125
    @RonaldoKrus0904083125 5 років тому +1

    Correct po : Kaya Always Remember.....INSURANCE is for Protection..Kaya umiwas sa INSURANCE na may Kasamang INVESTMENT... HEHEHE sorry po!

    • @christinemanal4784
      @christinemanal4784 5 років тому +1

      Mali naman po yata ung term n umiwas sir.

    • @RonaldoKrus0904083125
      @RonaldoKrus0904083125 5 років тому

      Apologized po mam for my term...please share your insights for the right term and please elaborate more for everybody's additional knowledge and learning's might get...Thanks po in advance..apologies once again...

  • @itsyourboyyeahmen9895
    @itsyourboyyeahmen9895 5 років тому

    Good day po. Tanung lang po kung ano po advantages and disadvantages ng VUL and BTID. Thanks and Godbless.

    • @WealthArki
      @WealthArki  5 років тому

      we have discussed it in our video. you may look for our insurance videos as well in our Insurance Playlist. thanks!

    • @itsyourboyyeahmen9895
      @itsyourboyyeahmen9895 5 років тому

      @@WealthArki tanung ko lang po if worth it kumuha ng VUL? Advice nyo po about VUL? Thanks and Godbless

    • @WealthArki
      @WealthArki  5 років тому

      Itsyourboy Yeahmen it depends on a lot of factors like your capacity to pay, your projected cash flow, your insurance needs, etc. we can guide you more thru our financial consultation services. Please feel free to email us admin@wealtharki.com to set an appointment. Thank you.

    • @itsyourboyyeahmen9895
      @itsyourboyyeahmen9895 5 років тому

      @@WealthArki Gusto ko lang po malaman advantages ng VUL galing po sa explaination nyo. Kakakuha ko lang po kasi. Thanks and Godbless.😁

    • @WealthArki
      @WealthArki  5 років тому

      @@itsyourboyyeahmen9895 one advantage is that your insurance coverage grows over time with the market. another is that you don't have to pay premium even after you have retired and still get covered--of course, depending on market conditions. it also gives coverage until an age wherein term insurance usually cannot.
      but just be careful on the premium payments--make sure that you can sustainably pay them over time and will not take away previous cash away from your other financial goals and responsibilities.
      thanks!

  • @otledelatorre6556
    @otledelatorre6556 5 років тому

    Mga jokes ni Sir Reinzi kaedaran nya lng agad makakagets.congrats po...keep it up....

  • @jinggsky3443
    @jinggsky3443 5 років тому

    Hi Renzie applicable lang na ito sa insurance.by the way congratulation to the 10k sub .u deserve to have 1M sub.

    • @WealthArki
      @WealthArki  5 років тому

      this is for insurance coverage. thanks!

  • @melsonperos9566
    @melsonperos9566 5 років тому

    What happens when ur older?wouldnt the term premium become more expensive?

    • @WealthArki
      @WealthArki  5 років тому

      Melson Peros for the same coverage, yes. but if the coverage needed declines--such as education fund--then it may decrease

    • @melsonperos9566
      @melsonperos9566 5 років тому

      @@WealthArki thanks po
      im looking to buy my 1st Insurance looking at Early Disease detection and life

    • @jeraldsamonte1017
      @jeraldsamonte1017 5 років тому +1

      Melson Peros you can message me m.me/jeraldyanih

  • @chrstianjoshua5059
    @chrstianjoshua5059 5 років тому +1

    Mga sir, everytime po ba mag tenew nang term do we have to undergo medical exam again?

    • @WealthArki
      @WealthArki  5 років тому

      If you're healthy there's no need, but if there is a change in your health there is a chance that you might undergo a medical exam.

  • @brandonarceo2108
    @brandonarceo2108 5 років тому

    Thanks again mga sir 😁

  • @eljay23moso38
    @eljay23moso38 4 роки тому

    May recommended Insurance company po ba kayo na nag ooffer ng term insurance??? Parang wala po kasi akong makitang nag ooffer ngayon puro VUL. May nag bigay ng proposal ng term insurance sa akin napakamahal.

    • @WealthArki
      @WealthArki  4 роки тому

      Eljay23 Moso hi majority of the insurance companies here in the Philippines offer term insurance. We cannot recommend on a specific term insurance product because we need to assess your financial goals, resources, and others. It would be best to schedule a consultation with us so that we can give our recommendation. Kindly visit www.wealtharki.com to know more about our services. Thanks!

  • @maureenoccena398
    @maureenoccena398 4 роки тому

    Ano po yung insurance na covered ung pre-school to college ?

  • @chrstianjoshua5059
    @chrstianjoshua5059 4 роки тому

    Hello sir 😊 I have a Life insurance with endowment and I think masyadong mahal. Should I switch to term insurance

    • @WealthArki
      @WealthArki  4 роки тому

      we can give you a more accurate recommendation given more information on your financial goals and resources. We can do this via a financial consultation. Please do click on the link for more details: www.wealtharki.com/consultation/.
      Thank you and we look forward to be of service to you.

  • @ridingcouple
    @ridingcouple 4 роки тому

    Sir where can I enroll for financial planning courses?

    • @WealthArki
      @WealthArki  4 роки тому

      Enerlou Saraña you can go to rfp.ph for more info. Thanks!

  • @micomarinas2753
    @micomarinas2753 4 роки тому

    sir ask ko po kung puwede po ba lagyan ng term rider ang isang term life insurance?

    • @WealthArki
      @WealthArki  4 роки тому

      mico mariñas term riders are usually added in whole life insurances (excluding VULs).

  • @sheplansfinanceph
    @sheplansfinanceph 5 років тому

    Saan po company yung sinasabi niyong convertible term? Thanks

    • @WealthArki
      @WealthArki  5 років тому

      It was from Axa although other insurance companies have term insurances as well. Thanks!

  • @roniegostoer4042
    @roniegostoer4042 5 років тому

    Thank you mga sir

  • @Meows1212
    @Meows1212 5 років тому +3

    16K n mga boss, palapit na palapit sa 100k. Haha. Gusto ko lang idagdag. Hindi nio po sir na mention, na sa VUL napupunta din ung portion ng pera nila sa mga agent, wla namang masama kasi profit din ng agent yun kpalit siguro ng tulong nila. haha. but some times with out the clients knowledge di nila exacto alam kung saan ba talaga nppunta ung pera nila,. Correct me if im wrong or back me up if im right. hehe

    • @itspamelagarcia
      @itspamelagarcia 4 роки тому

      how much in % is the portion of agent sa VUL?

  • @marlonturingan6133
    @marlonturingan6133 5 років тому

    Nice info... Sir can you do also a video for DIVIDEN thru stock market !!

    • @WealthArki
      @WealthArki  5 років тому

      Marlon Turingan that is a great idea! thanks!

  • @MusicMask
    @MusicMask 5 років тому

    big help!

  • @jocelynbergado205
    @jocelynbergado205 4 роки тому

    Gud day po...BTID(MOST18)Meron pa po b ma-claim pag old age ?

    • @WealthArki
      @WealthArki  4 роки тому

      Jocelyn Bergado would this be a financial product?

    • @jocelynbergado205
      @jocelynbergado205 4 роки тому

      @@WealthArki ..gud day po..term insurance po..18yrs.to pay.

  • @elcamanogura6118
    @elcamanogura6118 4 роки тому

    Hi! Ask ko lang po, anong insurance company po nag ooffer ng BTID? Kasi may napagtanungan ako isang insurance company, wala na da po sila BTID, VUL na daw po ang offer nila ngayon. Thank you!

    • @WealthArki
      @WealthArki  4 роки тому

      Elca Manogura we have discussed this in the video. Kindly watch it so you’ll have more insights on BTID. Thank you.

    • @ianjohnjuayang5005
      @ianjohnjuayang5005 4 роки тому

      Manila Bankers , my MOST 18 sila

    • @jenarch25
      @jenarch25 Рік тому

      ayaw po nila kasi mababa or wala commission un agents na mga nagpapanggap na financial advisor. kpg term insurance kukunin mo. watch mo po to "Vince Rapisura 1444: Term insurance versus Variable Universal Life (VUL) insurance"

  • @sonnyuy3857
    @sonnyuy3857 5 років тому

    Sir out of topic lang ako..
    Which is better po? Mutual Funds or MP2 ng Pag ibig fund?

    • @WealthArki
      @WealthArki  5 років тому

      it depends.
      MP2 has a high rate of return, but holding period is 5 years--so if you need the money before that, then you have no choice but to wait until maturity.
      Some Mutual funds on the other hand, have a no holding period so you can withdraw from it anytime that you need it. depending on the type of mutual fund, it can give you a higher rate of return than MP2, but it moves with the market.
      you can check out our mutual funds playlist to learn more.
      if you have more questions or are still unclear on how these investment tools can work for you, you can set an appointment with us.
      thanks!

    • @sonnyuy3857
      @sonnyuy3857 5 років тому

      @@WealthArki sir salamat sir.. how about seedbox versus MP2?

  • @shielamarquez3599
    @shielamarquez3599 5 років тому +1

    Sir anong insurance ung sinasabi po ninyo? Interesado kz ako. Ngkamali na kz ako ng kuha ng edu plan

    • @WealthArki
      @WealthArki  5 років тому

      Hi Shiela the video talks about Term insurance in general. If ever you have further queries you may want to message us personally on our FB page or email us directly.

    • @jeraldsamonte1017
      @jeraldsamonte1017 5 років тому

      Shiela Marquez hi mam you can contact me at my facebook at m.me/jeraldyanih i can help you

  • @heykate2036
    @heykate2036 5 років тому +1

    Saan may term insurance na convertible sa vul? :) anyone who knows po? Im currently searching for one. And level term. Baka may alam kayo, pareply naman guys. Thank you!

    • @Guevarratology
      @Guevarratology 5 років тому +1

      @kate we have term insurance in Prulife for as low as 1k per month

    • @Guevarratology
      @Guevarratology 5 років тому +1

      it is convertible to regular Vul after 2 years

    • @kalanninanay6692
      @kalanninanay6692 5 років тому +1

      Meron din po sa Sunlife

    • @WealthArki
      @WealthArki  5 років тому +1

      almost all can offer this.

    • @heykate2036
      @heykate2036 5 років тому

      @@Guevarratology hello! Is it level term sir?

  • @joelreyes9875
    @joelreyes9875 5 років тому

    sir ano ung investment giving 10 percent na na mention nyo sa 9:32 para sa education fund?

    • @WealthArki
      @WealthArki  5 років тому +2

      it could be an equity fund or pure equity--it could actually be any investment that can give at least 10% per year.
      as financial planners, we do research on what these are and match it with our client's needs and goals.

  • @ariesalcaide7768
    @ariesalcaide7768 5 років тому

    Ano po ibig sabihin ninyo na convertible yun term insurance?

    • @WealthArki
      @WealthArki  5 років тому +1

      aries alcaide we have discussed it in the video. if you have missed it, please do watch again. thanks!

    • @ariesalcaide7768
      @ariesalcaide7768 5 років тому

      @@WealthArki thanks mga sirs!

  • @larrybautista8886
    @larrybautista8886 4 роки тому

    MGA SIR PLEASE ADVISE ME . MAGANDA BA ANG IMG?

    • @WealthArki
      @WealthArki  4 роки тому

      Larry Bautista IMG is a good company but we would have to know your financial goals, needs and resources if IMG is good for you. for that, please go thru our financial consultation so we can advice you accordingly. kindly visit our website wealtharki.com for more details. thanks!

  • @kevinmoreno3329
    @kevinmoreno3329 5 років тому

    Hi rienzi ito ang plan ko gawin. Cinonfirm nio ngayon dahil sa video nio hehehe salamat sir!

    • @WealthArki
      @WealthArki  5 років тому

      thanks, but we suggest to have an insurance review. your cash flow might afford VUL or a mix.

  • @jay-rpascua1678
    @jay-rpascua1678 5 років тому

    Mga sir, mura nga po si Term, pero diba dahil sa limited lang din length of coverage? Kunwari, 10yrs lang yung coverage. If after 10yrs buhay pa din, lapsed na yung Term.

    • @kevinmoreno3329
      @kevinmoreno3329 5 років тому

      Nasainyo na sir if gusto nio pa rin kumuha ng term after 10yrs. Base sa example nio.

    • @WealthArki
      @WealthArki  5 років тому

      you need not stop it. as per our video, you can convert it.

    • @jay-rpascua1678
      @jay-rpascua1678 5 років тому

      Yes, have noted about the conversion. However, is it correct that the premium will be recalculated since it will become Universal Life and the age at that moment will be considered as well?

    • @WealthArki
      @WealthArki  5 років тому +1

      @@jay-rpascua1678 yes, there would be. you may ask your insurance adviser for more details. thanks!

  • @aikoagraviador2276
    @aikoagraviador2276 5 років тому

    ur thoughts po sa mp2?

  • @glennjimenez7371
    @glennjimenez7371 4 роки тому

    meron po bang VUL then convertable to Term? ty

    • @WealthArki
      @WealthArki  4 роки тому

      Hi Glenn, as of now we only have term insurance products convertable to a VUL. If a product is available we'll let you know. Thanks!

    • @glennjimenez7371
      @glennjimenez7371 4 роки тому

      @@WealthArki thank you po. I have VUL po kasi and thinking if icocontinue ko pa. Someone also said kasi na dapat nag Term nalang ako, then invest the difference to MP2. Now i cant decide if itutuloy ko pa yung VUL ko

    • @WealthArki
      @WealthArki  4 роки тому

      Glenn Jimenez we can review your insurance policy if it fits your needs. Kindly check out our website at www.wealtharki.com for our consultation service.

  • @eilsaga643
    @eilsaga643 5 років тому

    thank you naibtindhn ko n sya☺
    dlawa p nmn sir vul ko...kumuhs ako ng prulife for educationl plan tama b yun?

    • @WealthArki
      @WealthArki  5 років тому

      Eil Saga we really cannot tell for sure as we have to know your income, expenses, as well as financial resources and goals. if you want, you can set an appointment with us for a financial consultation. Please do email us admin@wealtharki.com. Thanks!

  • @shirleyprado7028
    @shirleyprado7028 4 роки тому

    depende sa company saan k mag vul

  • @jakeskipper3459
    @jakeskipper3459 5 років тому

    Pls advice good insurance provider
    Thanks

    • @WealthArki
      @WealthArki  5 років тому +2

      you can go to the website of the Insurance Commission to see the stable insurance companies.

  • @edmundcoman6058
    @edmundcoman6058 5 років тому

    mga sir, pa advice po, also 4yrs na ako ng huhulog sa vul. 4.2k per month. Is it possible na ma downgrade pa ung vul ko to term???,na realize ko kasi, parang mahal nga ng insurance ko 😅😅😅

    • @WealthArki
      @WealthArki  5 років тому

      Hi Edmund we can evaluate your insurance cover. Please email us at admin@wealtharki.com

    • @WealthArki
      @WealthArki  5 років тому

      no, it is not possible. the only way is to stop paying altogether.

  • @MrNickdulce77
    @MrNickdulce77 5 років тому

    Ung term insurance po ba sir makukuha mo un hinulog mo incase nagmature na at d namn natigok un insured?

    • @agniere
      @agniere 5 років тому +1

      Angelito Dulce If you survive the policy, wala kang makukuha sa term insurance kc purely protection Lang yon na in case you pass away while the policy is in effect ay may maiiwan na money for your family to survive your loss.

    • @MrNickdulce77
      @MrNickdulce77 5 років тому

      @@agniere thanks sir. Kala ko kasi pede din sya iwithdraw once matured na Policy.

    • @WealthArki
      @WealthArki  5 років тому

      if you convert it and the kind of the product converted to

  • @micomarinas2753
    @micomarinas2753 4 роки тому

    sir ang term life plan po ba til age 100 ang protection?

    • @WealthArki
      @WealthArki  4 роки тому

      mico mariñas it would depend on the policy. Most term insurances cover you up to age 70 or 75. Thanks!

    • @kayeelem9796
      @kayeelem9796 4 роки тому

      Whole life na po tawag dyan, hindi term

  • @chinitaicon
    @chinitaicon 2 роки тому

    ang hilig po nya tumawa .medyo distractive ✌✌✌

  • @romelmilitar4138
    @romelmilitar4138 4 роки тому

    san makakabili ng 5k a year na insurance sir?anong insurance company?

    • @WealthArki
      @WealthArki  4 роки тому

      Romel Militar the pricing really depends on your age, needs, and product features so it is best for yout to ask for quotations from different insurance companies. Thanks!

    • @ianjohnjuayang5005
      @ianjohnjuayang5005 4 роки тому

      Manila Bankers.. yung MOST 18 nila

  • @johnhenrymoratalla340
    @johnhenrymoratalla340 5 років тому

    Hi sirs i have 5k in average. in excess money a month can you advise where can i invest it aside from savings.

    • @WealthArki
      @WealthArki  5 років тому

      It depends on your current assets, liabilities and all your financial goals. We can help design an investment plan for you in this regard. Please do email us admin@wealtharki.com or visit our website, wealtharki.com for more details. Thank you.

    • @jeraldsamonte1017
      @jeraldsamonte1017 5 років тому

      john henry Moratalla hinyou can contact me m.me/jeraldyanih

  • @lorelyndecastro1925
    @lorelyndecastro1925 4 роки тому

    Saan po makaka avail ng BTID?

    • @WealthArki
      @WealthArki  4 роки тому

      Lorelyn De Castro hi kindly rewatch the beginning as we mentioned what BTID is. Thank you!

    • @ianjohnjuayang5005
      @ianjohnjuayang5005 4 роки тому

      Sa Manila Bankers po, meron silang BTID na tinatawag na MOST 18..

  • @cindycaballero4858
    @cindycaballero4858 4 роки тому

    Anu mga company n nag ooffer ng btid

    • @WealthArki
      @WealthArki  4 роки тому

      Cindy Caballero hi BTID is a strategy which means Buy term and invest the difference. Kindly double check our video above as we fully explained it. Thanks!

  • @cherylljanepingoy-gerada9171
    @cherylljanepingoy-gerada9171 4 роки тому

    Kailan po ba dapat mag mabayad Ng term?

    • @WealthArki
      @WealthArki  4 роки тому

      Cheryll Jane Pingoy hi it will depend on the terms and conditions set during the signing of the application. Preferably pay it annually to avoid any interest. Thanks!

    • @cherylljanepingoy-gerada9171
      @cherylljanepingoy-gerada9171 4 роки тому

      @@WealthArki I mean po in what age PO dapat mag bayad ng terms Kasi di po ba BTID is kinocompare sa VUL? Sa BTID po kasi mura sa umpisa but as you get older nag taas na din po Ang premium so yong difference na sinasabi na iinvest lumiit na po? Please correct me if I'm wrong 🙂

    • @WealthArki
      @WealthArki  4 роки тому

      Cheryll Jane Pingoy we normally recommend term insurance for people who need large insurance coverage but with limited budget. So we really cannot peg it at a certain age. Thank you.

  • @Marie-cp4yf
    @Marie-cp4yf 5 років тому

    gusto ko yan no selling...advice lang ..pano po?

  • @ldf3
    @ldf3 4 роки тому

  • @agniere
    @agniere 5 років тому +2

    Sa term kasi pure protection lang then yearly payment. If you survive the policy, wala kang makukuha. May protection ka as long as nagbabayad ka ng premium. On the other hand ,sa vul around 35% sa premium goes to the protection/insurance while the remaining 65% goes the investment component for 3-5 years. After 3-5 yrs of paying, the 100% of the premium goes to investment pero you are still protected.

    • @kevinmoreno2660
      @kevinmoreno2660 5 років тому +1

      No, after 3 - 5 years of paying and hanggang sa futureeeee.. may kaltas pa rin ang Insurance company para sa insurance na binabayaran mo. I think sa case ko parang 6k per year napupunta sa insurance ko. I think ang gusto lang nila sabihin about BTID, pag mayaman ka na, meaning marami ka ng investment, hindi mo na need ng insurance kaya hindi ka na bibili ng TERM. Whereas sa VUL, kahit mayaman ka na, kinakaltasan pa rin yung FUND mo para sa insurance mo even after 20, 30, 40 yrs or more

    • @agniere
      @agniere 5 років тому

      Yong kaltas after 3-5 yrs ay cost of insurance nalang which is below 1%, plus administrative charge. So young hinulog nyong premium after 3-5 yrs(depending on the product) napupunta na sa investment.
      Sa mutual fund alone, pag namatay si investor may estate tax. Sa vul walang estate tax kc naka attached sa insurance.

    • @littlesaturn6484
      @littlesaturn6484 5 років тому

      hi po! meron po ako VUL sa pnb .allianzpnblife, after watching some vedios po parang ayaw ko na icontinue since once palang ako nakahulog ng 50k. 50k per year po ang sa akin. sabi kasi mas ok ang BTID kesa sa VUL. yong sinasabi na 2 in 1 insurance and investment sya, hLimbawa after 5 years na nakabayad ako, pwede ko bang ma withdraw ang investment ko at itira lang ang sa insurance? please po i need your guidance!!!

  • @catarina2289
    @catarina2289 4 роки тому +1

    Sir. PWede pahingi ng email add ninyo? Hindi ko kasi maklaro sa video. Thanks. May itatanong din po ako. God bless po sa inyo.

  • @emilioaquino523
    @emilioaquino523 5 років тому

    11k subscribers na kayo wala ba kayong dividends na ipamimigay

    • @WealthArki
      @WealthArki  5 років тому +1

      as with all dividends, they are given to stockholders only.

    • @kevinmoreno3329
      @kevinmoreno3329 5 років тому

      Hahaha nice emilio!

  • @jemimahelliot9899
    @jemimahelliot9899 4 роки тому

    Thanks i want to cancel my vul hanggang d pa nakaka1month baka sakali may makuha pa ako pag pinacancel ko.2728 dn un

    • @WealthArki
      @WealthArki  4 роки тому

      Jemimah Elliot we suggest that you speak with a professional and objective financial planner before deciding on that. Thanks

    • @jemimahelliot9899
      @jemimahelliot9899 4 роки тому

      @@WealthArki ok thank u po

  • @jefrenmartin
    @jefrenmartin 5 років тому

    Buy term lang, vul laki ng charge

    • @WealthArki
      @WealthArki  5 років тому +1

      it really depends on the cash flow of the person at the end of the day. VUL also has some advantages that Term does not.

  • @formersensei9442
    @formersensei9442 4 роки тому

    Nagtatawa maigi. Eh ang purpose mo nga is to educate 🙄

  • @klevinsimon501
    @klevinsimon501 5 років тому

    Free po ba yung advice niyo?😂

    • @WealthArki
      @WealthArki  5 років тому +2

      Klevin Simon as with all professinal advice, we do charge fees as it involves time, effort and research on our part as well. thanks!