MAGANDA BA ANG Whole Life Insurance? WHAT YOU NEED TO KNOW + Product Review AIA Critical Protect 100
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- Опубліковано 10 лют 2025
- People usually get VUL when they buy an insurance policy simply because Financial Advisors sell mostly VULs.
Pero meron din tinatawag na Whole Life Insurance which is the traditional type of life insurance that has been there for years.
This is one of the cheapest types of insurance that covers you up to age 100 guaranteed!
In this video, we reviewed what a Whole Life Insurance is and are the important features of this type of insurance. Let us know in the comments if you think this is the best life insurance policies.
We also reviewed a product to show you a sample and for better appreciation of the concepts.
Featured in this video is Philam Life's AIA Critical Protect 100
For inquiries, do not hesitate to message me at my FB Page / djdimaliuatofficial
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Dami ko natutunan sa mga videos mo sir. Thank you for making videos.
Hi Sir! Your video is indeed informative and thank you for enlighting me regarding the whole life insurance. But I have a question po regarding whole life insurance, since I’m planning po na kukuha nito how much po un monthly payment for these for 10 years to pay? 20 years? 32 years na po ako then OFW po. Still learning for financial literacy. Thank you and hope na masagot niyo tanong ko.
Better to send me a message at my FB Page facebook.com/djdimaliuatofficial so I can assist you
good mrng. magtatanong lng po. ano po mgandang insurance na kukunin nmin. my age 55, my wife 49. Wholelife po ba?
Pwede ang whole life basta pasok sa budget. Send me a message at my FB page facebook.com/djdimaliuatofficial para maguide ko kayo
After 10 years of payments ba makukuha mo na ang 1M?
In case nagamit yung coverage sa illness ng di pa tapos bayaran ang policy, at di na makapaghulog wala na yung 1M?
At age 100 po makukuha un 1M. Yun po ang maturity nya.
At any time na magclaim ka ng 1M for critical illness, wala na un policy. Wala kna ibang makukuha
Sir, magkaiba po ba ang whole life sa Participating whole life? And/or anong difference nila? Thank you.
May dividends pag participating. Un lng ang difference
@@djdimaliuatofficial thank you, Sir.
hi sir paano po yong be your own bank? take a loan on your insurance policy? nakita ko lang po kasi sa tiktok thank you po
Pwede pero ndi masyadong applicable sa Pinas kasi mababa cash value natin sa mga whole life natin
Hello po, I would like to get an insurance pero I need an advisor na makakatulong po saken especially sa pagdedecide at pagpapaintindi kung anong products meron kayo. Thanks!
I can help you. Message me at my FB Page facebook.com/djdimaliuatofficial
Hi sir question lang po. Sa whole life plan since may guaranteed cash value na narereceived, yung narereceived na amount po bang ito is maleless sya sa Face Amount ng policy? Thank you po.
Guaranteed sya na mareceive at age 100, by then hindi kana insured
Sir may I ask what is the difference between whole life and endowment? Medyo di ko maintindihan.
Endowment mawiwithdraw mo un pera at a certain age.
Whole life til age 100 ka insured. Ndi sya meant iwithdraw
After payment ng 20 years may insurance charges and other charges pa ba yung product?
Ang whole life wala
Sa VUL lang un charges even after the paying period
Hello po sir, pwede po ba mag ask about my policy , nag start po ng philam life insurance since 2019 , since nandito abroad .d ko na follow up .build plus yata yung insurance ko. So paano po mag pa member ng vitality
Un sa Vitality usually dapat attached sya sa policy mo pagkabili mo e
Question is endowment plan is the same with whole life?
No. Because upon maturity and you get the benefits you are not insured anymore
@@djdimaliuatofficial let's say you have a 10 yr plan, you'll get something after 10 yrs but you are no longer insured (for endowment plan)
Do you have a video for endowment po?
I dont have video for endowment kasi wala na rin kami product na endowment.
@@djdimaliuatofficial question po, for VUL do I need to pay the premium at a certain age (ex. 60-65) to hit the Projected amount? Or 10 yrs lang po tlg, depende nlng if gusto ko mag top up?
Depende sa design ni VUL mo. Meron kasing 5yrs 7yrs 10yrs at pay upto age 100
at pwede mo syang utangin in advance diba sir?
Not in advance
i mean e withdraw yung cash value correspond sa years mo na hinuhulugan
Based sya kung magkano lang ang cash value or account value ng plan at that time. Usually it's lower vs sa nahulog mo
@@djdimaliuatofficial ahh okay po opo naintindihan ko po salamat po
Hi, ilang critical illness covered po nito?
57 major illnesses po plus 34 na minor illnesses then 9 na gender specific
Your videos is helping me a lot. Licensed FA soon ❣️
Good luck!
@@djdimaliuatofficial Thank you Sir!
You're welcome
Ask ko lang po.. kaya po bang i prolong ang 20yrs, like halimbawa 30 years mong babayaran?
Sa product po namin na whole life max 20yrs talaga e
@@djdimaliuatofficial the confirm ko po.. yung 30,000+ na nasabi nyo ay per year po iyun? Tama po ba
Yes yearly premium po
Hello DJ! You said whole life doesnt have Investments but theres a cash value? whats the difference between investments and cash value?
Hello Erick. Cash values of Whole life insurance are guaranteed. Can also be withdrawn if needed but its not that big, its not growing.
Investments may go up and down so there’s risk and potential returns.
Hi DJ, very informative video! Just to clarify, once cash value is withdrawn, terminated na ba ang policy? If not, mababawasan ba ang coverage ng insured? Thanks!
Terminated na po if fully withdrawn
Hello! I just want to ask if the Recovery Benefit for the Critical Protect 100 is worth it basing on your own perspective as an Advisor? I’m just wondering becasue from the quotations that you did, you didn’t actually include it... :)
Good question. It depends on your financial status. If my client has a good cashflow and business, I include it because the potential benefit always outweighs the premium. If the client’s budget is tight, I would probably not include that.
For illustration purposes, it’s easier to explain when there’s less riders. I don’t want to confuse my viewers :)
DJ Dimaliuat Thank you for your response. :)
You’re welcome 😊
Hi, what if the insurer had an accident & died on the spot? Let us say 1M coverage, will d family receive 2M?
Yes basta proven na accident ang cause of death and there’s an accident insurance included in your policy.
Kung wala kang accident insurance rider, 1M lang. kung ano lang ang basic life cover
@@djdimaliuatofficial Thnx much😊
Hi sir @@djdimaliuatofficial , pwede po bng mag add nang accident rider sa AIA CP 100? Thanks
Wala pong accident rider sa ACP100 eh. You have to get a different policy for that
Hello DJ, im still based in PH but what if in the future I decide to work/live abroad - covered pa rin ba ako ng AIA Critical Protect 100? Also, pwede ba na less than 1m (e.g. 500-700K) lang ang coverage para smaller premium? Thank you
Yes covered ka anywhere in the world
1M po ang lowest na AIA Critical Protect eh
@@djdimaliuatofficial I see. Salamat po sa pagsagot and sa helpful vids :)
You’re welcome! Message me if you want to get AIA Critical Protect or any policy :)
Hi sir im intersted for my daughter 12 year old hw po
sir panu po kung 57 yrs old npo ako pwede pbang kumuha ng VUL how much
Pwede pa. depende sa
Budget nyo
do you work for Philam>=? cause I'm interested sa critical protect 100
H Q yes I am a financial advisor. Message me at facebook.com/djdimaliuatofficial
Message me at my FB page so I can give you a quotation
Trainee Ako s a philam sir paturo huhu
Message ka lang dito will try to answer it :)