Four Reasons Why You SHOULD Withdraw Your VUL
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- Опубліковано 5 лют 2025
- In this video, we talk about the four main reasons on whether you should withdraw your VUL.
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recently, may napitch sakin na prulife vul ata un... ang habol ko tlga is yung ROI niya which is sa 65 yrs old mo p ata, ang d ko lang gets bakit ang daming bashers ng vul like nagwithdraw daw sila but ganitong money lang nakuha which is they shouldve understood that na may charge if
Most clients didn’t understand what they got
Im a sunlife VUL. 6 to 7 years na. Kaso napansin ko lang sigro recently, I only have half of my total amount paid sa actual fund value ko. Fot the past 6 yrs. But i withdrawn 23k before. So sbhn ntn may nawawalang 50k. I have accidental death and critical illness benefits.
Ung nawalang 50k koba ss fund value ko is dahl sa stock market? Ngkaron tuloy ako doubt if need konaba i withdraw. pero 10 years term lang ako. Nagwoworry kasi ako na mas malake pa mawwwala skk for the next 3 yrs dahl sa investment issh. Thank you po
When the market goes down; your account value goes down. Ganun dn kapag tumaas sumasabay sya
Hi, 6 yrs na ko with my policy. Just checking how much po ba dpat ang max na pwde iwithdraw and mgkno dpat ang minimun na matitira sa fund value para active pa din po ung accnt ko? Salamat! tc😊
If I were to do it max 50% lang iwithdraw
1 year plng nag insurance ko sa bpi lock for 10years. Sana tuloy2 kong mahulugan😅🥰
Go for it!
lugi na VUL ko sa Sunlife kaya nagwithdraw na lang ako and nagtira na lang ng pang admin cost para continue pa din insurance. Invest ko na alng sa ibang platform pera
Ilang years po Sir?
@@edlynagamata9879 7 years na po
Reach your goal? Which will never happen kase ilang percent lang napupunta sa investment
Hi sir, I'm not sure if you are still active uere but I'd like to ask. We have Prulife wholelife with VUL for 2 yrs now. Im sure wala pang fund value. Is it safe to cancel/withdraw if meron. Since 2 yrs palang then just get a term one? Since parang kugi sa VUL based sa research ko and we are paying forever. Thanks po
Hi po.. Same here pero ako po mag 1yr palang next month and ayaw ko na cya econtinue... Kasi ang dami kong nkkitang nega about vuL,.sabi ng fa ko pag nagstop ako wla na un at kung gsto nman ilipat sa term insurance back 2 zero
Pwede pero wala kna halos marerefund from what you paid
Yes tama sya wala kna marerefund
Sir,... What about the benefits of beneficiary if ever the policy holder pass away by natural death or by accident? I believe it is not bad to have VUL the beneficiary may claim a million pesos according to the policy.. and it can inherit or continue the policy to his love one's or young one's for the his future as foundation.
Yes that’s the real benefit of owning a VUL.
Does this still apply po if ever tapos na yung span say 10yrs po. I mean tapos ng bayaran pero hindi po sya nawithdraw? Tapos sabi po samen nuon na if will keep the money po up to 65yo, we can earn as much as 3M po. Is that true po? Kasi parang nabasa ko po na pag Natapos na tapos nakeep na po yung amount mababawasan po at Mauubos sya kasi nagbabawas po para sa life insurance?
@MhajIsSoGorgeous tuloy tuloy ang pag charge ng insurance pero hopefully kumita dn un fund.
Ndi guaranteed un amount na makukuha by age 65
Im very sad about my FWD VUL :( 90k na sana un if I had invested right I instead get 22k lang 2years.
anong nangyare po?
@@bhebiejaganas26 bale po 7 years po kasi yung VUL ko sa FWD. very frustrating po nung nakita ko mga receipts ko. 1st year kasi (quarterly ang bayad) 70% napunta sa parang stocks ng FWD. Tapos 2nd year po 50%. Nung nakita ko ung ipon ko sana 90,000.00 na dapat. Yung nagreflect sa account ko 22k lang nakakapanghinayang. Napunta lang siya sa stocks pero parang lugi di tumutubo almost two years ko ng binabantayan. Yun po yung FWD with partnership ni Cebuana Llhuilier. Parang Navudul vudul ako sa VUL. Ewan kung may pagasa pa yun. Pero bayad pa din ako ngbayad (yeah I know para akong tanga).
Na scam ka rin. VUL is a scam. Nag bayad ako ng 230k until now pera ko nasa 138k lng. 9 years and counting na ako nag babayad
@@mojopojojojo2639withdraw mo na yan for sure pinakita sayo ni FA yung x money projection na kikitain mo in x years go for term insurance same lang yan sa death benefits ang VUL puro premium at commision lang yan sa agent
HAHAHA same here
Sir mas better po mg widraw po during bull market, nsa bear market pa po tyo ngaun so medyo tagilid pa po ang kita sa equity nyan for sure
Agree ako diyan
Hello Sir updated pa po ba ito? Nag hahanap po ako compare to VUL and Traditional life insurance . If saan maganda sana.
Message me at my FB Page para maclarify ko ang question mo. Maybe I can help you.
Go to facebook.com/djdimaliuatofficial
Good day everyone, fo all your life insurance need,pls contact me and i will help you to understand vul and traditional insurance. I am sunlife licensed financial advisor. Thank you 🌞
Sir ano po masasabi nio sa img kaiser? maganda po ba siya?
Ndi ko pa ito na review but Since health insurance ito lahat ng health insurance maganda for me
@@djdimaliuatofficial pwede po pareview ng kaiser?
@maryjaneramos dpa ako nakakita ng policy nila eh
Hi sir nag avail ako ng VUL sa prulife bali 6 months na hindi ko hinulugan kase dami nega reviews tumawag ak FA ko kase i reinstate nya ano po ba ang mas mabuti e discontinue ko nalang po ba or continue? Sana masagot
Discuss with your FA mas maeexplain nya mfa options e
Ano pong product niyo Sir?
Lw po sir magkakaroon po ba ng pension ang ensurance if 60 years old kna😊
Most products po hindi
Planning to withdraw 70% of my funds, may I know how much ung charges? I’m currently at my 7th year.
Sa AIA nasa 10%
Good day po. Ask ko lang .10 years ang term ko. Assuming natapos ko po yung term. Tuloy pa rin po ba ang life insurance ko? Some said yes tuloy basta my laman yung investement mo, wat if kung wala na pong laman. Mandated po ba akong magbayad para maging active pa rin yung life insurance. If yes same amount po ba ng monthly amort or any amount na lang. Maraming salamat po sa magiging sagot.
As long as may account value ang plan mo, insured ka.
Once you withdraw it in full, ndi kana insured
Discretion mo na if magkano ihuhulog mo after the laying period should you choose to pay pa rin to keep you insured
@@djdimaliuatofficial maraming salamat po.
Sir anu po un insured na lang peri fund value or ung investment wala na???
@angelitabentulan-cm1bs ndi po sya applicable pag VUL
Sir if ever po natapos ko na yung Term ng insurance na hinuhulugan ko po 10years.. After non gusto ko mag withdraw ng partial payment like 30% ang iwithdraw ko hnd naman po makakaeffect eto sa coverage ng plan ko? Salamat po
Kung term insurance wala nang nawiwithdraw
Hi! Question lang. For BPI AIA i have Build life plus 10. This is VUL right? Then yung account value lang ang pede ko ma withdraw? And may charges if done less than 10 years? thanks
Yes tama. VUL. Yes to all
Hello po sir ask ko lng po halimbawa po un hinulog ko until mag 65 age po ako tsaka ko po wiwidrawin. Ask ko lng po kung makukuha ko po sya ng buo example umabot ng 3 million makukuha ko po ba to ng buo o hndi po?
Kung nasa 3M Ang account value or cash value mo then yes makukuha mo un. Depende tlga sa design ng product.
Sir ung Build life plus po? Same as VUL poba?
Yes
Question po. I have SunLife VUL Flexilink for almost 6 years and I had partial withdrawals na din die to emergency reasons.
Ang question ko po is
1. After 10 years of paying, would I have to pay the same amount as I am paying now?
2. If yes po sagot sa #1, hanggang kelan po siya dapat bayaran? Till 60 yrs. old po ba?
2. May option po ba to convert VUL to life insurance lang?
Depende sa design ng product pero ndi laging guaranteed ang payment period ng mga VUL products.
No option to convert. Get a new one lang pwede
Hi!Sir kapag po pala nag partial withdraw sa vul,nababawasan rin po pala ung benifit like,death benifit up to 125%.
Yes 125% dn ng withdrawal
Hi sir, just wanted to ask, are there instances that insurance companies will decline your partial withdrawal or full withdrawal for any reason?
Ndi dapat. Unless wala ka nang account value
😊😊
Hello Sir, paano po ba I explain ang payment period na ma understand ng client very clearly. Kasi there are 7 or 10 years to pay VUL wherein they can stop paying after these years. Yet there is an option for top ups naman. How can I explain concisely na lifetime payment supposedly ang VUL and top ups might be needed in the future.
Need po ba I highlight ang lifetime payment/top ups firsthand even if limited pay? Or hindi na at baka complicated na to explain
Mention it na para full disclosure na ndi guaranteed ang paying period
Need an advise from you po kasi I want to explain to my friend na may VUL na maganda naman yung plan na kinuha niya, need lang siguro niya nh further explanation. Ayokong ma frustrate siya kasi sabay kaming kumuha and I understand the essence of the plan talaga
@horimiya3749 always explain during annual policy review para tumatak at ndi makalimutan
Thinking of withdrawing my VUL after 5 years , from 250k naging 207k na lang ngayon can you give me an idea sir
If ndi mo need ng pera hold on muna. Wait for the market to recover
Good pm po, ask ko lang if hindi ko na ituloy ung sa anak ko, 219k na nabayad namin sa Prulife, Fund Value is 148k lang, if I close ko po ba ung account makukuha ko ung 148k na fund value and some % ng 219k?
Ilang years ka na Sir?
@edlynagamata9879 6 years na ung policy ng anak ko.
@@Kurikongpikingbased sa pagkakaintindi ko Sir sa explanation ni FA ko, fund value lang ang mawiwithdraw mo Sir pero dahil 6 years na po, full amount po ng fund value ang makukuha.
Kasi yung difference is payment niyo po para sa protection ng ilang taon.
Sir Question is it okay to add fund allocation in my investment? The whole journey of my Insurance investment was funded to Chinese tycoon, I was planning to add allocation to other funds.
Pwede naman
@@djdimaliuatofficial Sir meron dun nakalagay na kung ilang percent ung allocate na fund , anu po ba ang possible losses just incase ? Kung nagkamali ng allocation?
Ndi po. Bumababa tlga ang price ng stocks minsan. Also some of the money is paid for the insurance
@@djdimaliuatofficial got it thank you sir
How to withdraw my VUL and Endowment?
Send a request sa company. Usually may form sila you should fill up
Good day, sir... I would like ask some advice about the common process in withdrawing the insurance policy. The reason is that i have 2 policy insurance both of them has a 7 years annually paid... And I'll be needing the enough amount of money to use it in my job application in other country as expenses...
Hello just contact the insurance company directly or visit their office to file your withdrawal
sir magkano po or ilang percent ang dapat itira or hindi iwithdraw sa fund value para di matrrminate ung policy?
50% or more of the account value
I terminate nyo lahat dhl pag nag iwan ka pa rin ng amount dyan in the span of 5 years ubos lahat un dhil sa monthly charges ng agent or company, Life insurance is more riskier than investing it to bonds or fixed income, dhil the longer you pay sa insurance the more you lose dhil nsa contract yan na mauubos ang fund m at aasa ka sa pag taas ng investment which is less compare sa ibabawas syo monthly. Life insurance is one of the biggest scam in the world
Lamang ang may alam, di mo alam ang sinasabi mo, aral ka muna
Sir, 6months plang ako sa AIA ASPIRE PO NEED Ko po terminate policy makuha ko pa ba ang cash value ko
@merlynehenry8005 yes cash value nlng makukuha kung meron man
Sir, pde po ba mag cash loan sa policy na yan? Thank you po
Kung VUL ndi po nakakkapag loan. Withdrawal lang from
The account value
@@djdimaliuatofficial I see. Thank you po. Not sure if meron kayang ganung policy sa insurance na pdeng gawing collateral yung current value ng investment mo sa kukunin mo na loan sa mismong company.
@markdavid265 whole life yun ganun. Pwede magloan. Meron kami
Hello po sir, ask lang.. my bdo life insurance po ako money 8plus.. 10years to pay matatapos ko po syang bayaran sa 2030, pag na complete ko na yung bayad pwede ko ba sya ma withdraw? Na hindi ko aantayin ang maturity date nya? Sana po masagot.
Pwede pero malamang lower un cash value na makukuha mk
@djdimaliuatofficial ako po yung policy owner, anak ko ang beneficeries/insured.. anak ko ba ang pwde maka withdraw nun or ako po na policy owner?? Sana mapansin ulit.
@cherrivimmangubat978 ikaw as policy owner
Sir mag 1yr na ako nextmonth s insurance ko with vUL.. May mkukuha po ba ako kung estop ko na cya? I mean ayaw ko ns cya econtinue pa.. Semi annual po kasi ang payment ko.. Next month magbbyad na nman ako hanggang sept2024.. Please give me some advice.. Ang dami ko kcng nbbasa about vuL na hndi cya maganda
Possibly maliit lang makukuha mo
Hi Sir, 5 years na ako naghuhulog lugi na ako. 350k na nahulog ko tapos ang value is nasa 119k lang, gusto ko na sana stop pero nanghihinayang kasi ako sa rider ko for critical illness :( ano po bang maiipayo nyo 😢😢
Wag mo na isipin ang fund value. Isipin mo un insurance coverage mo para dito
Policy review kayo sa FA mo baka yung fund na pinapasukan mo, di siya nag generate ng interest, free naman mag switch ng fund
Hi Sir first time to watch your video po. My question lang po sana mag 5yrs. Na po ako naghuhulog vul din po siya sa pru life it is possible po ba na ma withdraw ko full yung hinulog ko for 5yrs. Then po pati yung fund value.
Not in full po e
@@djdimaliuatofficial Sir, ganun po ba talaga fund value lang po Ang makuha ko kung mag terminate / cancel po ako Ng policy. prulink protector exact 10 po Kasi insurance kinuha ko. Yung agent ko po Kasi at first coordinated pa Siya and insisted that mag partial withdraw lang po ako pero decided na po Kasi ako mag cancel Ng policy after po nun unresponsive na po Siya. Ng try po ako mag email and tumawag sa pru and ganun nga po sinaba na fund value lang po makuha ko. Yung hinulog ko po Wala na daw po ako makuha.
@caredad5077 yes fund value lang naman tlga. Ganun sa lahat ng VUL
fund value lang po sir ang makukuha kahit tapusin sya ng 10years term na paghuhulog?
@onandybisco8573 yes
Hello Sir, ask ko lang ano po effect kapag nagpartial withdrawal ka ng 50% from your fund value? gusto ko lang po malinawan hehe
Lalaki ang charges for insurance to keep you insured
Sir , what if na-meet na ung 10year premium policy at magpartial withdrawal Ng 50% sa fund value, Malaki pa din Po ba Ang charges or Wala nang charges since naka 10yr premium na Po? Thanks
@IEkudos walang charges sa withdrawal pero may insurance charges tuloy tuloy to keep you insured
sir anu po inig sabihin ng fund performance sa AIA? thanks
Depende po kung ano ang movement ng investments sa AIA. Pwede tumaas or bumaba at any time
I have build life plus sir pwede napo ba ako mag partialy widrawal..9yrs napo...
Pwede naman pero may withdrawal charges I think
@@djdimaliuatofficialhow many % po ang charges...?
@michelbuenavista774 10% ata if 9yrs na
Pwede ko ba e widraw 80% ng account value.... at how many days po ang process....
@michelbuenavista774 pwede naman pero bantayan mo para ndi maglapse. Dapat naghuhulog kapa rin regularly para sa cost of insurance
hello sir, may life insurance po ako w/ vul.. totoo po ba na wala ako makukuha sa mga hinulog ko kundi ung fund value lang po after 10years?
Yan ang sabi ng fa ko fund value lang ang mkukuha mo once eterminate mo
Yea account value leas surrender charges if any
Fully paid na ako sa VUL ko 5yrs term, after six months 85% palang ang fund value,pero pinayagan akong e withdraw ang 50%,still i'm insured and the remaining fund is consider now as an investment
Yeah. Ang impact lang nun is higher ang cost of insurance mo
Hi sir, ask ko lang what if umabot na ko ng 10 years sa VUL ko. Pwede na po ba ko mag stop sa monthly auto debit ko? And once stopped insured pa din po ba ko nun?
Pwede na. Hanggat may account value insured kapa rin
@@djdimaliuatofficial pero pag naubos ung account value sir diba irerequire ka ulet mag hulog ?
Yes. Actually pag naubos ang account value maglalapse. Kaya dapat ndi maubos
So yung sinasabi nila na after 15years makukuha yung total premium payments plus interest sir, hindi totoo?
@jeromeianradovan7089 if VUL ndi yan guaranteed. Possible but not guaranteed
Good day sir! Question lang po, pano pag nagretire na po ako sa work tapos yung kinuha ko po ay vul lifetime po yung hulog, syempre hindi ko na sya mahuhulugan consistently kasi nag retire na ako so ano pong mangyayari dun? Thankyou po sa response 😊
By then you have options
1. Withdraw mo nlng and enjoy the money pero wala kana insurance
2. Keep the account value to pay for the cost of insurance and keep you insured
Good evening ser.. Planu ko Po sana umalis sa Policy account ko. Kase deku na kaya hulugan.. Sa BPI policy account critical illness.mag 5 year's naku panu kaya mang yayare sa hinulug ku in 5 year's at Yung investment ko Po. ?
Hindi mo na sya makukuha eh. Ang naging purpose nya is nainsure sya the past years
Sir question po sana. Yung husband ko po kasi hindi na nagdeduct ang PruLife sa bank namen nung after Pandemic. Parang may kulang po sya na almost 2 years. What is your advice po sir. Shall we continue paying the 2yrs gap po or withdraw na lang po namen. Kasi you mentioned po na may admin fee if ever po na I withdraw po sya ng hindi po Natapos. Salamat po sir.
Pls ask statement of account sa pru life mag update kyo sa knila
Hello po, ask lang po if tapos ko na bayaran policy ko, ano po mangyayari kapag winithdraw ko ung 100% fund value, mateterminate po ba ung policy ko? or if ever magkano lang po pwede ko iwithdraw para d materminate ung policy, i'm planning to just withdraw around 50-70% then stay iwan sana baka lumaki pa value eh
Hi! Financial advisor here. Yes, if 100% withdrawn ang fund value terminated na ang policy. Usually we recommend to leave at least 20% of the fund value to maintain the policy active. This is at least if enough yung fund value to maintain itself. Okay lang ask ko ano yung klase ng policy na gamit nyo? :)
Thanks! I avail the FWD Set for Life
Sir,pwede ba iwithdraw ang axa lifeschoice insurance na nabayaran ko for four years?if mawithdraw ilang lang mkuha ko na net?total payments ko is 125,800 na...Thanks
Maybe not in full makukuha mk
Hi sir, may question lang po about sa BPI AIA ko, di ko na kc nacontinue ang paghulog ko. Ask ko lang po kung mawawala na rin ba yung Life Ready Plus na coverage age up to 80 yrs old?
Possible if naubos ang account value nyo
Ask ko lang po..10 years napo ako sa prulife....3 beses napo ako na withdraw ng fund ko.
Un 10 years ko pwde ko na ba itigil ang oag hulog ko?
Naka withdraw na kayo?
Hello sir.. question lng po.. Policy owner po ako ng Manulife 10years..Mag 5 years na po... Plan ko po sana Bayaran ang the rest 5 years ko sa loob ng 1 year then stop na po ako mag bayad and waiting nlng po ako.. Ano po ang negative effect at positive effect po nun. Thank you
Not sure if iallow ng Manulife. Pero talk to your agent. Baka may way na iallow nila un
Is the Fund Value im seeing on myAIA Account is my total value of my Moneyworks pay? I got paid up mine this year..5years term . Is the Fund value my total withdrawal value? Im super lugi kasi. Nasa 100k+ bawas f compared sa normal ipon.. grabe baba f ganun..maka recover pa ba or withdraw na lng?
So Fund Value is un na ung total na savings ko sa insurance ko na moneworks pay?
Thank you
Moneyworks pala yun sayo. Yes thats the total amount. May insurance charges kasi yan sa first fee years significant tlga ang charges. Also Moneyworks is meant to be held for at least 10yrs
@@djdimaliuatofficial maraming salamat sir. .sige I will hold it for 5 more years let's see .
Thanks again
All the best
Ang laki ng charges ng Vul halos wla ng matira sa fund vase on my experience ngulat ako at pag claim mo kc ayaw muna nd na mkukuha naponta nlang sa mga ng mkita ko fund ko nag quit na ko kesa mas lumaki tas mliit lang ang fund hindi cnsabi ng agent mga hidden charge😢 ipunin nlang kesa sumali sa insurance dami charges
We have same experience... Ndi nila ineexplain na kpag bagsak market halos wla ka din makuha lugi pa
Good evening sir! Feb14 po aq nghulog ng unang payment po,pwdy po ba na macancel? Slamat poh?
Pwede pa til Feb29
Good day Sir, regarding VUL for 10years once I withdraw my VUL after 10 years will my life insurance still continues? and I would still continue to pay it?
If you withdraw in full, wala kana rin insurance
surrender ang VUL kasi. lugi po kayo jan.. tapos kuha po kayo ng purely HEALTH AND LIFE INSURANCE.. ganerrnnnn
ouch parang nkakaheart broken feeling ko naisahan. Year 3 na ako ngbabayad monthly. Sign na talaga to e surrender ko na lng. Ako nlng mag iipon.
@@skye1386 hi po. Hndi na ba kayo nagtuloy? Ako kc plan ko to stop narin mag 1yr ako nextmonth.. Sayang ang 42k na nahulog ko pro kung gnyan nman mga nabbsa ko much better to stop nlang kesa lalo png lumaki ang mahulog ko
ako po 5 years na nkakapaghulog w/ vil 76k na, 10years term pero dami nkapag sabi fund value lang makukuha mo, hindi ung mismong nahulog mo
@@onandybisco8573yes yan din sabi ng fa ko fund value lang ang mkkuha mo once gusto mo eterninate ung policy mo..naisip ko ituloy ko nlang isipin ko nlng na in case of emergncy may mggamit in the future.. ofw din kc ako at dko alam ano mngyyre s life natn kya dapt pghndaan
Can i downgrade my VUL instead of fully withdawal. Since medyo nbbgatan na ko monthly
Most companies and products hindi eh
@@djdimaliuatofficial what mostly ung pwedeng option ko if ever nabibigatan nako sa 12k quarterly without terminating the policy? Or what the companies could offer me for my scenario
@jessalfonsojr8710 if you don’t want to surrender the policy possible na maglapse ito. Pwede ka naman magpa reinstate within 3yrs
Hello sir . Tanong ko lang . Meron po kaso kaong educational fund for my baby . Kailan syapwede ma withdraw or kung mag stop kaaba sa pag hulog kasi hindi nakaya ang monthly bills pwede mo bmakuha ang mga nahulog mo?
VUL ba un nakuha mo? If yea pwede ka magstop at kuhain ang account value but it may not be the full amount na nahulog mo
Salamat sa info sir. Yung fund value ba na iwiwidraq depende pung makano yung value nya kung saan nainvest ng insurance company? Nakalagay sakin 100 percent equity.
Yes then subject to withdrawal fees
@@djdimaliuatofficial sir. mag 10 years na sa 2025 yung saakin. so better wait hanggang matapos? tama ba?
Yes best na ganun
nung nagmember po ako d inexplain sa akin mabuti d cnabi na lifetime ung binigay na insurance ko.akala ko 10-20 years lng xa.pano na after retirement ko paano ko babayaran ang insurance ko?
Pwede mo na iwithdraw in full yun account value if gusto mo na gamitin un fund for retirement
How about partial withdrawal of my vul ok lang ba?
Yes pwede partial. Subject to withdrawal charges if any
Can you do partial withdrawal via online?
Yes
Hi sir 4 years ko binayaran sunlife ko tapos na stop nong nanganak ako at na stop work ko.. active parin po ba ako sa insurance ko or any advice po kung e fufull ko nlng pag withdraw vul ko?
Kung hindi ko na po mahuhulugan at di ko e wiwithdraw magagamit ko po ba ito sa future?
@cynthiadorilag719 depende if hindi maubos un account value mo
Ndi mo makukuha un hinulog mo in full effect
Question po if di po nakabayad sa for a month possible ba maka file for full withdrawal? Or dapat updated bayad muna?
Pwede naman
But ndi makukuha in full yun naibayad
@@djdimaliuatofficial yung fund value lang pwede mawithdraw po no? Yung full withdrawalable amount?
Hi Sir prulife uk po sakin 5yrs na po ako member gusto ko na po sya withdraw at di ko na ponkayang hulugan ilang percent po kaya ang mbbwas
More than 50% cguro
Hi Sir. Naka 1 year and 1 month palang ako na naghuhulog, plan ko na sana istop yung paghuhulog. May mga fees pa ba ko na babayaran? May mababalik pa kaya sakin na amount? If wala naman okay na. Thanks po!
Pwede stop. Check nyo if may account value pa pero malaki withdrawal charges if 1yr pa lang so baka halos wala na
sir may axa vul ako 6yrs na ako naghuhulog pero 10yrs pa ako matatapus luigi na ako ng 90k gusto ko na itigil toh anu po maadvice nio?
If itigil mo dapat okay ka namarealize un loss mo.
SIR PLAN MO MAG PR SA CANADA AND CURRENTLY MAY VUL AKO 2 years na sa prulife, tuloy ko lang ba to kahit mag Pr ako sa ibang bansa o mas okay na itigil ko na? takot ako baka masayang since long term sya babayaran
Depende sa goal mo eh. Ok naman ituloy yan kung additional protection or savings mo. Covered ka naman globally
Hiii sir can u review FWD life insurance, kung goods ba sya or hindi
I don’t have a copy of their policies and I may be biased at dko sya kabisado
advice po pls.. need ko kc money.. sum total po na naihulog ko na sa Insular is 60k + pero upon withdrawal request nsa 40k lng mkukuha... possible pb lumaki?
Pwede naman in the future if nagperform better ang stock market natin
Sir ask ko lang po nka2years na po kz ako tpos ang daming ngsasabi na d dw makukuha lhat ng benefits after 10years kz ngdadalawang isip po kz akong ituloy ung VUL ko sir...
Depende yan eh. Ndi clear un statement na un
Wag ka na tumuloy sa vul. Better buy nlng sa regular life insurance den the rest of your money i invest mo nlng sa mp2. Walang tigil ang fees sa vul nakakaloka
Hi sir sure ba wala ng withdrawal charges if it reach ten years.Madami bang kus kus pg mgclaim
Yes sure po yan. Again iba un withdrawal charges sa cost of insurance ha
after ten years sir wala ng insurance charges
may death benifets ang health invest sir?
Yes meron
Meron pa rin if lower ang account value sa life insurance coverage
Hi sir! About po sa AIA. Hindi po ba pwedeng mag claims if Outpatient? kelangan na na admit sa ospital? My illness is long term and AIA cant help me coz my consultations are all outpatient. This is the 2nd time. Parang nasasayangan po talaga ako sa binabayad bwan bwan kasi ang laki ng gastos ko sa laboratories and consultations pero wala pala magawa ang AIA.
Sa AIA Med Assist po all in patient lang sya. Even sa mga critical illness coverage, ndi tlga ksama outpatient dun
hi sir question, yung full withdrawal value ba yung total na makukuha mo kapag winithdraw mo yung pera? kasi i’m planning to withdraw mine kapag naka reach na ng 10 years. kaso ang full withdrawal value lang ay nasa 214-217k. Annual premium ko po is 42k.
Yes yun lang. less any charges if meron
Hi sir. Paki clarrify lang po yung sinabi mo na kapag winidraw ng full yung fund value, mawawala na ang lahat ng benefits bali hindi kana insured. Tama ba sir?
@lalaineeviota4650 yes tama. Hindi kana insured
Hi sir 3yrs na ako naghuhulog sa vul ko, kung hindi po ba ako makakapaghulog sa vul mag lapse po ba yung policy ko
Yes pag naubos ang account value
Sir hinde ok lang ba na wala yung eplan hinde ko Makita kung natubo o hinde
Ok lng pero dun mo sya makikita sa MyAIA
Pwd po ba irefund ung prulife paa plus ko? Oct2022-March2023 po ung naging payments ko
Ndi napo in full
@@djdimaliuatofficialpero may makukuha parin?
Possible kung may account value na kahit maliit
Halo sir ask ko lang po bago lang po ako sa insurance kinuha ko po is VUL din po bali pan tatlong hulog ko lang po . Sa pru lif po ang ask ko lang po is maganda po ba yong vul? Balak ko kase eterminate kasi sabi ng bayaw ko malulugi daw. Pa advice po thanks.
Maganda yan for insurance. Not investment dapat ang treatment
Sir question po matatapos na po ako sa 5yrs life insurance with VUL sa philamlife anu po next step na ggawin ?
Wait mo na sya mag grow lang. insured kana rin til ndi mo winiwithdraw lahat
@@djdimaliuatofficial copy sir salamat po sa sagot sa tanong. God bless
Widraw mo na..lugi ka pag aantayin mo pa..5 dn na avail ko dati..i waited until 7 yrs bago ko e close hoping na tataas stock market..pero for 7years never tumaas..my 200k na nadeposit naging 120k nalang.
Ask lang po sir 7 yrs na po ako naghuhulog sa pru life kaso nasa 1 yr na po ako na d nakakapaghulog ng premium ko,ok lng po ba yun?salamat po..
Pwede pero inquire nyo if may account value pa kyo at what maganda gawin
possible ba na ioofer ang VUL sa groups? like sa companies? ty
Yes pwede
Hi sir have a good day. Ask lang po kasi annual po ako dti magbayad ng insurance ko pero dhil matagal hnd nakabalik sa work ginawa ko sya monthly. May disadvantage po ba dun or negative effect?
Ok naman po sya na monthly
Yan ay hinde pinapaliwanag nang mga financial advisor,yong wala pang alam tlga,yong gusto lang nila magka binta, paano Kung nawalan nang work yong nag invest. Sakit sa dibdib yong inisip mo nalalago ang pera mo pero hinde pala ikaw pa ang nalulugi.
Sadly ganun minsan
Hello Sir, I’m planning to withdraw 80% of my VUL. Makakaapekto po ba yun sa value ng fund ko kasi technically maliit na ulit siya.
Yes May deduction din un sa face amount
Sir ask lang po kung hindi ko po b mahulugan yung vul ko mag lapse po ba yung policy ko, pero laman nman yung fund value ko
Kakainin nya un account value til maubos
@@djdimaliuatofficialHi Sir, let's say nakain nya na po ang account value ko sa isang taon na hindi ko po pagbabayad pero ano po manyayare sa pera kung by nextyear 2024 gusto ko po sya bayaran ng buo?
5yrs na po policy ko nung Aug2023. Last payment ko noong Dec 2022 po.
@user-hv6ip8pz2f basta wag lang mauubos ang account value, insured kapa rin.
@user-hv6ip8pz2f kpag naubos kasi ang account value maglalapse ang policy mo. Peor you can still request for reinstatement
Goodafternoon sir, ask ko lang po once na natapos po ba ang 10 years na hulog sa vul ung fund value po ba madadagdagan kahit hindi k naghuhulog?
Possible. Pero not guaranteed
hello, sir. ask ko lang po, medyo naguguluhan pa rin po kasi sa return nung investment sa part ng VUL. wala naman pong chance na below account value ang makukuha once tapos na ang 10 years, tama po ba? may chance po bang malugi? sa bpi phil-am po kami kumuha for context po.
Kung ano account value un na un makukuha if you withdraw in full pero may chance na malugi pa rin
Actually may chance na wla ka mkuha dhil uubusin un fund m everymonth ng monthly charge ng agent or company, nsa contract po yan na dpat nyo pa rin mag hulog after contracted 10 years. Life insurance is a scam, di m alam nag bayad ka na more than the amount you are insured
Nakakalungkot naman ang taas ng expectation ko sa paghulog dyan BPI-Philam ako going year 3. Gusto ko tuloy magcancel. May makuha pa kaya? Ako nlng mag-ipon ng pera uubusin lng pala sa mga charges.
@@skye1386 kung 3 years k plng may laman p yan medyo bwas n yan pero may laman, i check nyo po un outstanding amount, mas ok p rin i invest sa mas safe and guaranteed investment gya ng mp2 ng pag ibig, time deposit ng digital banks or cooperatives..Mlaking scam tlga yan insurance kya un nga ahente buhay myaman ksi nga mga linta yan everytime mag hulog ka may cut sila agad
@@skye1386 na try niyo stop ma'am? may nakuha parin po ba kayo? same po kasi sa BPI-Philam din ako kumuha and 3 years na din po. gusto ko n din stop gawa nung mga bad reviews na nababasa.
Thanks sir in three years I will finish my life insurance in AXA may makuha pa rin po ba ako sa ten years po ang aking hinohulogan
If you withdraw the account value in full you will lose all your benefits
215 Brekke Crest
Pioneer life insurance legit po ba ?
Opo
hello sir pru life po insurance namin what if po hnd napo kami makahulog, dhil nwalan po ng trbho wala ndn po ba kami makukuha sa insurance ? or mas better po na i cancel nalang po namin habang maaga pa para dina po magkaproblema ?
If you cancel baka wala kna mawithdraw
@@djdimaliuatofficial paano sir pag dina po mahulugan at naglapsed po
Wala kna makukuha
Hi po.. Prulife din po ako and plan ko na hndi na magtuloy sa pgbbyad mag 1yr palang ako nextmonth. Ano na po nangyre s case nyo po?
So kung uninsured ka pa, mas maganda kunin is Health insurance nalang?
Yun ang maganda unahin. Pero syempre it’s good to address your other goals. Message me at my FB page so I can guide you facebook.com/djdimaliuatofficial
@@djdimaliuatofficial actually May nag proposed na sa akin ng Plan. VUL sya. Ang goal ko kasi is to be insured and retirement plan at magkaroon ng hmo talaga. Do you think kunin kona? Or mag health insurance muna ako?
@TeamPayamanUpdates-vn7lx ask yourself is ano ang gusto mo kuhain at magkano ang budget. Your financial advisor should be able to help you
Edwina Centers
Sir kapag po naka 10 years nako pwede na po ba ako mag widraw? Paano kung Inubos Kopo lahat ng laman..?? 😁 Pwede ko po ba ilabas lahat ng hinulog ko?
Pwede pero dka na rin insured
Sir,kung nkapagbayad ka ng 3 months sa vul at nagdecide na hindi na ituloy ang premium,may makukuha ba o mababalik sa binayad.
Ff
Ndi na maibabalik in full. Possible dn na wala ka pa makuha kasi nakaka 3 months pa lang. mainly it goes to the cost of insurance
How about po skn sir since Oct16,2022-March16,2023 po ako ngbayad,may chance po kaya mairefund ung iba
For sure very small nlng makukuha nyo if meron
how about po saken? may makukuha po ba ko kung since 2020 po ko naghulog?
Sir 3yrs na po ako naghuhulog ng VUL sa PRUlife. Pag tinerminate ko po at widthdraw ng fund value, terminated na din po ba life insurance ko? Ok lang po kahit mawala yung rider benefits wag lamg po yung sum assured nv insurance.
Mawawala lahat ng benefits when you withdraw in full
magkanu usually withdrawal fee sa axa?
Not familiar ako sa AXA pero nasa policy contract po yan at nasa proposal dapat
Sir.. MAGANDA TLGA ANG ALLIANZ PNB LIFE INSURANCE AT KAISER INTERNATIONAL.. ANG GULO GULO NG PRULIFE UK. D KO MAINTINDHAN PALIWNG.. D GAYA NG DLAWNG NBBANGIT KO. INSURNCE KO YN
Ako na hndi ko na itutuloy ang prulife ko... Naka 1yr narn ako s pagbbyad. Ang dami kung nega na nkkita about vuL
Ang vul ay perang hindi mo makukuha ng ten years...kasi pagkinuha mo wala pang 5 or ten years lugi ka...ang tanong dyan kaya mo bang hindi kunin ang pera mo for ten years?
Tama
by our eexperience mas ok na mag withdraw as much earlier than wait to 10 years, the value of your fund is just merely 30% and after 2-5 years after the 10 years contract mag zero balance ka na at kailngan m ponodhan ang insurance, yan ang di sinasabi ng agent at insurance kya madami na scam ang life insurance, you pay more than you are insured
Yes at face value pero don't forget that before u reach that break even point ur covered with life benefit plus any rider if there are any. Hindi lang sya worth it after or when you reach that break even point Kasi u already raise the same amount of money if not more@@joeymanny
Question lang sir, ung policy ko life insurance with vul mawawala n b ung policy ng life insurance ko kung wiwithdrawhin ko ung fund value after 10years?
Yes if you withdraw in full
Hi sir, question po. Nakapagbayad n Ako Ng 500k since 2017. In case ba mag cancel Ako Ng policy ko. Taz ang cash value let's say 200+ less surrender charge.. ibig Po bang sabihin lugi na Ako Ng 300k?
Yes
I withdraw mo na po. Why prolong the bleeding.
Why withdraw...ng patalo then wait kung dmo naman badly needed
Sir question, may existing VUL po ako dito sa PH pero po kasi im contemplating if dapat ko pa po ituloy if magmimigrate po ako 3yrs ko na po binabayaran ung insurance. Thanks po
Ok lang naman po yan. Just consider it a long term inves here in PH