Sure ka na ba!? At kung sure ka, ano ba ang tama para sa iyo na swak na swak sa gusto mo? Previous Episode: Kailangan ko ba ang Insurance? https://youtu.be/RzK6160J5hg #ikawnaito Many of us are already decided to get an insurance! Discover actionable strategies and insights in this comprehensive video that will guide you towards financial independence and early retirement. Our expert advice covers essential topics such as smart investment techniques, effective savings plans, and generating passive income streams. Picture a life free from the constraints of a 9-to-5 job, enabling you to follow your passions, explore the world, or cherish quality time with your loved ones. This video serves as your definitive roadmap to transform this dream into a reality. Learn about the crucial steps and mindset shifts necessary to retire before 50. Age should not dictate your retirement; your financial choices can craft a future full of boundless opportunities. Don't miss this chance to take control of your financial futur

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Ikaw ba nga yung nag-iisip na kumuha ng sarili mong insurance o may nag-aalok na po sa inyo ng insurance?

Sa episode na ito, pag-uusapan natin on how to choose the right insurance for you.

Hi there! This is Chinky Tan, your Pambansang World Coach.

It's an honor and privilege to serve you every night at 8 p.m. Manila Time.

Nag-release po kami gabi-gabi.

Kaya nga kung hindi nyo pa napapanood yung mga ebeng episodes,

hindi nyo pa napapanood yung mga ebeng episodes.

Hindi nyo pa napapanood yung mga ebeng episodes.

Hindi nyo pa napapanood yung mga ebeng episodes.

Mag-binge na po kayo.

Sa araw na ito, pag-uusapan po natin it's all about protection.

You need to protect your family.

Tinatawag na unexpected event.

Lalo na kung ikaw ay breadwinner.

Shoutout sa mga breadwinner.

So, bakit ba natin kailangan ng insurance?

Two reasons lang.

Number one, it's protection for your family, independence mo, and peace of mind for you.

Just in case something happens, at least covered yung pamilya mo.

Wala ka ng iisipin.

And then, kung gusto nyo malaman pa ano ba yung purpose ng insurance,

ano yung three types ng insurance,

at the same time, ano yung mga benefits ng insurance,

may past episode na po.

Kung nandito na lang sa comment section,

hanapin nyo na lang po sa comment section po.

Okay?

Or if na sa description po.

Right now, paano ba ang pipiliin ang tamang insurance para sa'yo?

Okay?

So, ito na po ha.

Sana kumukain ng papel.

Okay?

Bago kayo bumili, bago kayo mabentahan,

itong muna i-consider ninyo.

Okay, by the way, before I want to offer disclaimer,

I'm not here to sell you anything.

I'm not here to promote any insurance company.

It's up to you.

After this session,

kung hindi mo nagustuhan yung idea,

please, walang pilitan.

At kung di ka naniniwali sa insurance,

huwag mo napanoorin ito.

Number one.

Determine your needs.

Alamin mo muna,

ano yung mga pangailangan mo,

ano yung mga financial obligations mo.

Gusto ko, isulat mo ah.

Like for example,

monthly expenses ng iyong pamilya.

Sulat mo yan.

Number two.

Sulat mo, edukasyon ng anak mo.

Okay?

Sulat mo.

Number three, may binabayaran ka ba

na bahay,

sa sakyan.

Oo.

Lahat.

Isulat mo.

Number four,

yung future plans mo for retirement.

Gusto ko, isulat mo lahat.

Kung magkano po ang kailangan ninyo.

Okay.

Pag nasulat mo na,

okay,

at the same time,

yung monthly expenses ha,

monthly expenses mo.

Pag sinulat mo na lahat,

more or less,

malalaman mo na,

kung magkano ang halaga

na kailangan mong ipunin.

Okay?

Just in case,

something happens to the breadwinner,

dapat meron ka ng money prepared for that.

At pag pinag-usapan na natin yan,

baka masyok ka.

We're talking about millions.

Diba?

Edukasyon lang ng anak.

Allowance lang ng anak.

Diba?

I-multiply mo,

number of years.

Kaya,

importante po na kailangan

alamin muna natin yan.

Diba?

Number two.

Pag nalaman mo na,

yung mga needs mo.

Next, siyempre,

i-prioritize mo muna,

kung ano ang pinakamahalaga dito,

ngayon,

para sa'yo,

na kailangan mo i-cover.

Number one,

yung needs ng pamilya mo.

Pagkain,

upa,

kuryente.

Tapos number two,

edukasyon ng anak,

siyempre.

Number three,

yung babayarin ng bahay.

Diba?

Kailangang cover din po siya.

Food,

education,

shelter.

Okay?

So, yan number two.

Pag na-prioritize mo na,

number three,

pipili ka na ng plano.

Oo.

Again,

there are three plans

that I already presented.

Kung na-miss mo lang yung episode,

panoorin mo na lang

tatlong plan.

Life,

whole life,

or permanent life,

or number three,

V-U-L.

So, pipili ka,

ano ang magfifit

sa mga plans mo.

Okay?

Anong magfifit sa term,

sa whole life,

and what we call as a

V-U-L.

So,

pag na-pili mo na,

like for example,

ako,

for my,

just in case something happens to me,

for,

gusto kong pipiliin ko talaga,

I will choose either

whole life or V-U-L.

Yan ang pipiliin ko na,

kasi ang kagandahan po

sa mga plano na yan,

it covers you for life.

Compared to term life,

only covers you

every year,

every year lang yan.

Parang sa sakyan,

nag-renew ka parati,

at sasayang yung binabayad mo dun.

So,

again,

pag-aralan mo muna mabuti,

panoorin mo na yung past episode ko,

and then,

last but not the least,

syempre naman,

ito po,

assess your current

financial situation.

Alamin mo,

ano ba kaya ko?

Ang pinaka-affordable

is term life.

So, kung kaya mo lang

mag-term life ka muna,

yung every year

nag-re-renew ka,

dun ka mag-start,

kahit konti.

Alam mo,

for every million pesos

ng term life,

ang babayaran mo lang,

nasa 15 to 20 plus thousand,

depending on age.

Depending on age.

Again,

you just talk to your

friendly neighborhood

financial advisor.

Pero,

bago pa akong magpatuloy,

meron pa akong idadagdag,

pabatingin ko lang

si Sagal TV,

si Michelle Montellano,

at si Jasper Bisdak.

Maraming maraming salamat.

Okay.

So,

after you have already

considered all of this,

ang suggestion ko naman po ay,

humingi ka na ng proposal

sa mga reliable companies.

At least tatlong proposals

from three different companies.

Company A,

Company B,

Company C.

And from there po,

iko-compare po natin

ang mga premiums,

number one.

Iko-compare po natin

ang benefits.

At syempre,

ang gusto natin,

number one,

maganda na ang plano,

affordable pa.

Okay?

Maganda

at affordable.

Yan ang pinaka-

importante po.

And then,

from there,

you can also talk to a

financial advisor,

you can talk to a financial expert,

in order to seek guidance.

Kung tama ba yung desisyon nyo.

Guys,

look at me.

Always remember this.

It takes you a lifetime

for you to save the money.

But it will only take you

one wrong decision.

To pay for something

na hindi valuable sa'yo.

Kaya make sure,

bago kayo bumili,

pag-aralan nyo muna ito,

ulit-ulitin nyo itong video na ito.

Itong sinasabi ko,

choose the right insurance for you.

Diba?

Alamin mo muna,

kung anong gastusin mo.

I-assess mo yung priorities mo.

Pagkatapos yan,

pipili ka na,

kung anong klaseng insurance

ang pwede babagay sa'yo.

And then,

after that,

mag-research ka na,

compare premiums,

and then get financial advice.

Sana naman naliwanagan po kayo.

At kung gusto nyo pa ng

personal coaching and mentoring,

at manggaling po sa aki mismo,

kung gusto nyo malaman,

kung paano ako nagko-compute ng insurance,

paano ako nag-prepare ng aking

retirement,

at saka yung iiwan ko,

nireveal ko na po sa isang program

na tinatawag na

How to Retire at 50.

If you have the desire to retire at 50,

just visit chinktv.com.

C-H-I-N-K-T-V dot com.

Or if not naman,

puntahan nyo na yung link below

para mapanood nyo po.

Maraming maraming salamat muli,

mga ka-friendship,

at sana naman naliwanagan kayo.

And then,

kung na-miss nyo yung past two episodes,

please do me a favor,

panoorin nyo yung part 1 and part 2 nito

para mabuo ang inyong kaalaman

on how to protect your finances.

Tatandaan,

tamang karunungan,

tamang disiplina

ang susi po sa pagyaman.