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00:00.0
PAMBANSANG WEALTH COACH
00:30.0
insurance dahil sa mga maling paniniwala.
00:33.5
Sa totoo lang po,
00:34.4
kung kayo ang tatanungin ko,
00:36.8
ikaw, breadwinner na nakikinig at nanunod po sa akin ngayon,
00:39.8
kung ikaw may pagkakataon na masecure mo yung pamilya mo
00:42.3
just in case na may mangyari sa'yo,
00:44.3
tuloy-tuloy pa rin ang sweldo at kinikita mo
00:46.5
na maiiwan mo sa pamilya mo,
00:48.1
gusto mo ba o hindi?
00:49.8
Gusto mo ba o hindi?
00:50.7
Type gusto kung gusto mong ganun.
00:52.5
Kung nagta-type ka ng gusto,
00:53.5
ang ibig sabihin po na,
00:55.1
The only way that you can provide for your family
00:56.9
even if you are not anymore present in this world,
01:00.0
is through life insurance.
01:02.4
Meron pong tinatawag na income replacement fund po.
01:05.8
Kung ano po yung income replacement fund,
01:07.5
pag-uusapan natin yung mamayang konti,
01:09.2
kaya nga tapusin nyo tong video na ito.
01:10.9
Pero ngayon, pag-uusapan po natin tong walo.
01:13.6
Eight common misconceptions about life insurance
01:16.5
kaya hindi tayo kumukuha po.
01:18.0
At yung pang-pito ang pinakamahalaga.
01:20.2
I-reveal ko yung number seven po.
01:22.1
Number one is what?
01:23.2
Life insurance is only for older people.
01:25.3
Pang matanda lang yan.
01:28.0
ang mga matatanda,
01:30.0
mas madaling ika nga ma-expire
01:31.7
sa mundong ibabaw na ito.
01:33.3
Pero ang life insurance ay hindi po actually
01:36.1
sap nga pang matatanda lang.
01:39.9
pag tayo po ay bumili ng life insurance
01:43.0
number one disadvantage,
01:44.3
mataas na po ang presyo.
01:46.3
malaki po ang chance na hindi ka na pwedeng insure
01:48.8
dahil ang dami mo ng sakit at karamdaman.
01:52.4
pag ikaw ay matanda na,
01:56.4
and it's too expensive.
01:57.6
As a matter of fact,
02:00.0
kumuha ka na kasi bata ka pa,
02:02.2
kaya mura pa ang monthly premium
02:06.9
ang life insurance po
02:08.1
ay para sa mga tao
02:09.3
may mapag-iiwanan lang.
02:11.1
Single naman ako,
02:12.0
hindi ko naman kailangan yan.
02:13.5
Wala namang magmamahana
02:14.6
ng aking ari-arian.
02:17.8
ang dami nating ari-arian, ha?
02:20.6
life insurance should be first
02:21.8
for the breadwinners,
02:22.8
not for the bread eaters.
02:24.7
It should be for the person
02:26.2
who's bringing the money,
02:27.8
not for the dependents.
02:28.9
Yan ang pinakaunang priority.
02:30.7
Pero, pero, pero,
02:31.6
pag ikaw single ka,
02:32.6
huwag mo naman isipin
02:33.4
na wala kang iiwanan.
02:34.6
As a matter of fact,
02:35.2
wala kang iiwanan
02:37.4
Pero may iniwan ka naman
02:39.2
Anong iniwan mo problema?
02:40.5
Hospital expense.
02:44.5
Wala kang iniwan.
02:45.3
Wala kang insurance.
02:46.8
the good news is this.
02:47.8
Think about this.
02:48.6
Kung responsible ka
02:49.5
bilang isang anak,
02:50.5
bilang isang magulang,
02:51.6
kung di ka naniniwala sa insurance,
02:52.9
pero maganda ba yung idea,
02:54.2
huwag naman po sana
02:55.8
na magkaroon ng karamdaman,
02:59.3
may mga hospital expenses.
03:01.5
babayaran ng mga mahal sa buhay,
03:03.1
pero just in case
03:04.1
na talagang nag-expire na,
03:07.2
ng mga mahal nyo sa buhay,
03:08.9
may ibabalik po sa kanila.
03:11.5
Dahil ikaw ay may life insurance.
03:15.8
ika nga ay sa last rights mo,
03:17.7
bago talaga tayo ihimlay,
03:19.8
at least yung insurance
03:21.0
can cover for it.
03:22.3
And then number three,
03:23.5
malaking kasinungilingan
03:24.7
tungkol sa life insurance.
03:26.8
through unemployment
03:27.7
or through my company
03:29.8
meron ako life insurance.
03:31.5
Hindi ko na kailangan yan.
03:33.3
Pero ang question lang,
03:34.5
yung binili ng life insurance
03:35.9
ng company para sa'yo,
03:38.8
Pero ang problema
03:40.4
kailangan mo maximum.
03:42.0
Ay, may 1 million na ako eh.
03:43.3
O, may 1 million ka nga.
03:44.7
Yung 1 million mo,
03:46.3
sa mga mahal mo sa buhay,
03:47.8
baka sa loob lang
03:48.5
ng mga dalawang taon,
03:50.2
Baka ang kailangan mo,
03:51.2
hindi 1 million na life coverage,
03:52.8
baka kailangan mo
03:53.6
10 million pesos.
03:55.2
Hindi naman babayaran
03:56.6
yung 9 million na natin
03:57.7
itira na kailangan mo.
03:59.3
Ang saya sa'yo mo.
04:00.3
Kaya, it's very important
04:02.2
you need to learn
04:04.0
You need to learn
04:05.1
how much life insurance
04:07.0
or coverage you need
04:08.4
in order for you to protect
04:09.6
your family's future income.
04:11.6
Let's go to the fourth
04:13.3
about life insurance.
04:14.8
Buy your entire family
04:16.0
a life insurance.
04:18.1
hindi ko sinasabi
04:19.9
Okay, completely.
04:21.1
Pero this applies,
04:22.3
yung buy entire family
04:24.1
this only applies
04:29.9
marami kang cash,
04:30.7
marami kang pera,
04:32.4
Pati yung aso mo,
04:33.1
bilhan mo ng life insurance.
04:34.6
Pero pag ikaw ay K,
04:37.6
Oo, medyo tight ka
04:41.9
lahat ang bibilhan mo.
04:43.2
Ang unang dapat po
04:45.0
ng life insurance
04:46.0
ay yung tinatawag
04:48.8
Kasi just in case
04:49.8
na wala ang breadwinner,
04:51.1
sinong pong papalit?
04:53.3
Pero kung meron pong
04:54.1
maiiwanan si breadwinner
04:55.9
yun po ang kanilang panimula
04:58.5
Does it make sense?
04:59.6
Pago pa tayo magpatuloy,
05:01.3
batiin muna natin
05:03.2
okay, from Morocco,
05:06.7
at the same time,
05:07.7
kay Vina Jimenez.
05:09.4
Maraming maraming salamat.
05:11.6
Number fifth line,
05:12.5
pagdating po sa insurance,
05:13.5
yung tinatawag na
05:17.2
Ang ibig sabihin niya,
05:18.8
invest the difference.
05:21.2
ang ibig sabihin ng term insurance po,
05:22.7
parang lang siyang car insurance.
05:24.4
pag nag-renew ka,
05:25.9
pag nag-renew ka,
05:28.1
Wala siyang cashback,
05:29.0
wala siyang interest,
05:30.1
wala siyang tinatawag na investment.
05:33.3
kasi mas mura po yung by term.
05:35.2
And it's sabihin,
05:35.8
invest the difference.
05:36.7
Ikaw na mag-invest,
05:37.6
ikaw na mag-stop,
05:38.4
ikaw na mag-invest sa mga ganun
05:39.6
para ikaw ang kumita.
05:42.5
BTID only applies for people
05:44.2
who are financially literate
05:45.5
at alam kung anong gagawin sa excess.
05:49.9
I don't advise that you go to
05:52.4
invest the difference.
05:53.6
Marami pa rin ibang options
05:54.8
pagdating po sa mga insurance.
05:56.1
Meron tayong tinatawag na VUL.
05:58.8
When you say VUL,
05:59.8
Variable Universal Life,
06:01.2
it serves two purpose.
06:02.3
Meron ka ng insurance,
06:03.6
meron ka pang investment.
06:04.9
Kung to know more about that,
06:06.4
please go to your friendly
06:07.5
neighborhood financial advisor.
06:09.4
Sila na tanungin mo.
06:11.3
lie that we believe
06:12.3
about insurance or misconception.
06:14.6
Life insurance is too expensive.
06:17.4
As a matter of fact,
06:18.3
hindi po totoo yan.
06:20.0
for only 300 pesos
06:22.5
pwede ka na magkaroon
06:23.3
ng accidental death benefit
06:24.9
na ang halaga siguro
06:26.1
na makako-cover mo
06:27.0
na sa 100,000 to 500,000 pesos.
06:30.1
meron pong mga ganun
06:31.1
kaya maghanap-hanap na po kayo
06:32.4
yung tinatawag natin
06:33.5
ng mga accidental death.
06:35.2
At the same time,
06:36.0
meron din mga options
06:37.7
which I just mentioned.
06:39.0
Mas mamliit ang premium
06:40.0
na babayaran mong compare
06:41.3
sa mga tinatawag na
06:43.4
or tinatawag na VUL.
06:46.1
pwede ka mag-umpisa
06:52.3
sinasabi ko number seven.
06:53.8
Ito yung sinabi ko
06:54.4
pinakamalaking kasinungaling
06:55.4
na kailangan mo laman.
06:57.5
Malusog pa naman ako.
06:59.5
Bata pa naman ako.
07:01.5
Hindi ko kailangan yan.
07:03.6
matanong po kita.
07:05.5
Kung ikaw naniniwala ka
07:06.6
sa kasabihan yan.
07:07.4
Pag ikaw bumili ka ng motor
07:09.2
kailan mo ini-insure
07:10.4
ang motor mo at sasakyan?
07:11.6
After five years?
07:15.8
Pag bumili ka ng motor
07:17.9
paglabas mo sa kasa,
07:19.0
dapat insured na siya.
07:20.7
Just in case na babangga,
07:22.8
immediately protected ka.
07:26.3
ang motor at sasakyan.
07:28.1
Atin-atin lang to.
07:29.8
Buti pa ang sasakyan
07:32.5
pero yung driver,
07:37.8
bibili ng life insurance?
07:40.1
Wala sa edad yan.
07:41.2
Do you want to know
07:41.9
when should you buy
07:43.0
a life insurance?
07:45.9
Kung di kayo nag-type ng when,
07:49.6
Pilitin niyo ako.
07:52.0
The moment you start
07:55.3
already be protected.
07:57.1
Because you become
08:00.1
bringing the bacon
08:02.1
Anong gagawin mo?
08:02.9
Kailangan protected ka na.
08:06.2
pag may mangyari,
08:07.2
may mangyari iiwang ka
08:09.4
Maganda bang idea yun?
08:11.5
huwag tayong magpabudol
08:12.7
na hindi mo kailangan
08:14.8
Eight biggest misconception
08:16.0
pagdating sa life insurance po.
08:22.3
magtaks ng gobyerno.
08:23.5
Well, ito yung good news.
08:26.4
ng life insurance,
08:30.7
wala kayong babayaran
08:32.1
Protected po ito.
08:33.7
any circumstances,
08:35.0
yung perang makukuha nyo
08:36.8
para magagamit nyo
08:37.8
for your personal expenses
08:41.2
or inherited stock
08:42.6
at marami pang iba.
08:45.8
walong pinag-uusapan natin
08:47.2
ng mga misconception,
08:51.6
para sa matatanda.
08:55.8
okay na yung life insurance
08:56.8
ko sa kumpanya ko.
09:00.7
ng life insurance.
09:03.5
invest the difference.
09:07.6
ay pata pa naman ako.
09:11.3
Kaya nga sa walo,
09:12.4
ano ang narealize mo
09:13.8
sa session natin na ito?
09:15.5
Pakitype sa common section.
09:18.1
may series po tayo dito
09:19.2
about 8 misconceptions.
09:20.6
Kung nagustuhan nyo
09:22.3
gagawa pa ako ng series
09:29.9
about good looks.
09:32.3
Maraming maraming salamat po.
09:34.2
If you like this video,
09:35.1
don't forget to like,
09:37.9
tamang karunungan,
09:38.7
tamang disiplina po
09:39.6
ang susi sa pagyaman.
09:54.5
Thank you for watching!
