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00:00.0
Ikaw ba nga yung nag-iisip na kumuha ng sarili mong insurance o may nag-aalok na po sa inyo ng insurance?
00:07.0
Sa episode na ito, pag-uusapan natin on how to choose the right insurance for you.
00:12.0
Hi there! This is Chinky Tan, your Pambansang World Coach.
00:15.0
It's an honor and privilege to serve you every night at 8 p.m. Manila Time.
00:18.0
Nag-release po kami gabi-gabi.
00:20.0
Kaya nga kung hindi nyo pa napapanood yung mga ebeng episodes,
00:22.0
hindi nyo pa napapanood yung mga ebeng episodes.
00:24.0
Hindi nyo pa napapanood yung mga ebeng episodes.
00:26.0
Hindi nyo pa napapanood yung mga ebeng episodes.
00:28.0
Mag-binge na po kayo.
00:30.0
Sa araw na ito, pag-uusapan po natin it's all about protection.
00:33.0
You need to protect your family.
00:35.0
Tinatawag na unexpected event.
00:37.0
Lalo na kung ikaw ay breadwinner.
00:39.0
Shoutout sa mga breadwinner.
00:40.0
So, bakit ba natin kailangan ng insurance?
00:42.0
Two reasons lang.
00:44.0
Number one, it's protection for your family, independence mo, and peace of mind for you.
00:48.0
Just in case something happens, at least covered yung pamilya mo.
00:51.0
Wala ka ng iisipin.
00:52.0
And then, kung gusto nyo malaman pa ano ba yung purpose ng insurance,
00:56.0
ano yung three types ng insurance,
00:58.0
at the same time, ano yung mga benefits ng insurance,
01:00.0
may past episode na po.
01:02.0
Kung nandito na lang sa comment section,
01:04.0
hanapin nyo na lang po sa comment section po.
01:07.0
Or if na sa description po.
01:08.0
Right now, paano ba ang pipiliin ang tamang insurance para sa'yo?
01:14.0
So, ito na po ha.
01:15.0
Sana kumukain ng papel.
01:17.0
Bago kayo bumili, bago kayo mabentahan,
01:18.0
itong muna i-consider ninyo.
01:20.0
Okay, by the way, before I want to offer disclaimer,
01:22.0
I'm not here to sell you anything.
01:24.0
I'm not here to promote any insurance company.
01:28.0
After this session,
01:29.0
kung hindi mo nagustuhan yung idea,
01:30.0
please, walang pilitan.
01:32.0
At kung di ka naniniwali sa insurance,
01:33.0
huwag mo napanoorin ito.
01:35.0
Determine your needs.
01:37.0
ano yung mga pangailangan mo,
01:38.0
ano yung mga financial obligations mo.
01:40.0
Gusto ko, isulat mo ah.
01:42.0
Like for example,
01:43.0
monthly expenses ng iyong pamilya.
01:47.0
Sulat mo, edukasyon ng anak mo.
01:51.0
Number three, may binabayaran ka ba
01:59.0
yung future plans mo for retirement.
02:01.0
Gusto ko, isulat mo lahat.
02:03.0
Kung magkano po ang kailangan ninyo.
02:07.0
Pag nasulat mo na,
02:09.0
at the same time,
02:10.0
yung monthly expenses ha,
02:11.0
monthly expenses mo.
02:12.0
Pag sinulat mo na lahat,
02:15.0
kung magkano ang halaga
02:17.0
na kailangan mong ipunin.
02:21.0
something happens to the breadwinner,
02:23.0
dapat meron ka ng money prepared for that.
02:25.0
At pag pinag-usapan na natin yan,
02:28.0
We're talking about millions.
02:31.0
Edukasyon lang ng anak.
02:32.0
Allowance lang ng anak.
02:37.0
importante po na kailangan
02:38.0
alamin muna natin yan.
02:41.0
Pag nalaman mo na,
02:42.0
yung mga needs mo.
02:45.0
i-prioritize mo muna,
02:47.0
kung ano ang pinakamahalaga dito,
02:51.0
na kailangan mo i-cover.
02:53.0
yung needs ng pamilya mo.
02:57.0
Tapos number two,
02:58.0
edukasyon ng anak,
03:01.0
yung babayarin ng bahay.
03:03.0
Kailangang cover din po siya.
03:08.0
So, yan number two.
03:09.0
Pag na-prioritize mo na,
03:11.0
pipili ka na ng plano.
03:14.0
there are three plans
03:15.0
that I already presented.
03:16.0
Kung na-miss mo lang yung episode,
03:17.0
panoorin mo na lang
03:21.0
or permanent life,
03:29.0
Anong magfifit sa term,
03:31.0
and what we call as a
03:36.0
pag na-pili mo na,
03:37.0
like for example,
03:40.0
just in case something happens to me,
03:42.0
gusto kong pipiliin ko talaga,
03:44.0
I will choose either
03:45.0
whole life or V-U-L.
03:47.0
Yan ang pipiliin ko na,
03:48.0
kasi ang kagandahan po
03:50.0
sa mga plano na yan,
03:51.0
it covers you for life.
03:52.0
Compared to term life,
03:55.0
every year lang yan.
03:56.0
Parang sa sakyan,
03:57.0
nag-renew ka parati,
03:58.0
at sasayang yung binabayad mo dun.
04:01.0
pag-aralan mo muna mabuti,
04:02.0
panoorin mo na yung past episode ko,
04:05.0
last but not the least,
04:08.0
assess your current
04:09.0
financial situation.
04:12.0
Ang pinaka-affordable
04:14.0
So, kung kaya mo lang
04:15.0
mag-term life ka muna,
04:18.0
dun ka mag-start,
04:21.0
for every million pesos
04:23.0
ang babayaran mo lang,
04:24.0
nasa 15 to 20 plus thousand,
04:25.0
depending on age.
04:27.0
Depending on age.
04:30.0
you just talk to your
04:31.0
friendly neighborhood
04:32.0
financial advisor.
04:34.0
bago pa akong magpatuloy,
04:35.0
meron pa akong idadagdag,
04:36.0
pabatingin ko lang
04:38.0
si Michelle Montellano,
04:40.0
at si Jasper Bisdak.
04:41.0
Maraming maraming salamat.
04:45.0
after you have already
04:46.0
considered all of this,
04:47.0
ang suggestion ko naman po ay,
04:49.0
humingi ka na ng proposal
04:50.0
sa mga reliable companies.
04:52.0
At least tatlong proposals
04:54.0
from three different companies.
04:59.0
And from there po,
05:00.0
iko-compare po natin
05:01.0
ang mga premiums,
05:03.0
Iko-compare po natin
05:08.0
maganda na ang plano,
05:18.0
you can also talk to a
05:19.0
financial advisor,
05:20.0
you can talk to a financial expert,
05:22.0
in order to seek guidance.
05:24.0
Kung tama ba yung desisyon nyo.
05:28.0
Always remember this.
05:29.0
It takes you a lifetime
05:30.0
for you to save the money.
05:32.0
But it will only take you
05:33.0
one wrong decision.
05:35.0
To pay for something
05:36.0
na hindi valuable sa'yo.
05:38.0
bago kayo bumili,
05:39.0
pag-aralan nyo muna ito,
05:41.0
ulit-ulitin nyo itong video na ito.
05:43.0
Itong sinasabi ko,
05:44.0
choose the right insurance for you.
05:48.0
kung anong gastusin mo.
05:49.0
I-assess mo yung priorities mo.
05:53.0
kung anong klaseng insurance
05:54.0
ang pwede babagay sa'yo.
05:58.0
mag-research ka na,
05:59.0
compare premiums,
06:00.0
and then get financial advice.
06:02.0
Sana naman naliwanagan po kayo.
06:04.0
At kung gusto nyo pa ng
06:05.0
personal coaching and mentoring,
06:07.0
at manggaling po sa aki mismo,
06:10.0
kung gusto nyo malaman,
06:12.0
kung paano ako nagko-compute ng insurance,
06:14.0
paano ako nag-prepare ng aking
06:17.0
at saka yung iiwan ko,
06:18.0
nireveal ko na po sa isang program
06:21.0
How to Retire at 50.
06:22.0
If you have the desire to retire at 50,
06:25.0
just visit chinktv.com.
06:26.0
C-H-I-N-K-T-V dot com.
06:29.0
puntahan nyo na yung link below
06:31.0
para mapanood nyo po.
06:32.0
Maraming maraming salamat muli,
06:34.0
mga ka-friendship,
06:35.0
at sana naman naliwanagan kayo.
06:38.0
kung na-miss nyo yung past two episodes,
06:39.0
please do me a favor,
06:40.0
panoorin nyo yung part 1 and part 2 nito
06:42.0
para mabuo ang inyong kaalaman
06:44.0
on how to protect your finances.
06:47.0
tamang karunungan,
06:49.0
ang susi po sa pagyaman.
