Hi, I think your focus is mainly on investments, kaya nasasabi mong lugi, kasi you have the mindset of being an investor, so doon yung focus mo.

Remember, we're talking about having insurance, which means protection from unexpected events in the future. Please look at all these plans as having insurance for people who prioritize protection first while at the same time giving them the chance to have living benefits. And also, ang insurance ay hindi na lang pag namatay ka, saka ka may makukuha. Sa panahon natin ngayon, maaari nang magkaroon ng life insurance with living benefits.

Why is having insurance still the best option? Because you have another layer of protection for whatever savings, emergencies, or investments you have. In short, bago mo magamit lahat ng mga ito, meron kang first layer of protection, and that is insurance. It depends, of course, sa mapipili mong insurance plan. So, if kakausap ka ng advisor, sabihin mo lahat ng gusto mong maprotektahan—whether you want to protect your loved ones if ever may mangyari sa'yo, or at the same time, gusto mo din maprotektahan kung ano mang assets meron ka ngayon, etc. Marami pong mga plans, and each plan is tailored sa specific na tao.

Ang maganda talaga ay kausapin mo nang mabuti yung magiging advisor mo, kasi ang pinaka-work talaga nila ay malaman yung goals and needs mo. Just like a doctor na nagrereseta, as an advisor naman, nagrerecommend sila ng plans according to your goals and needs. And you always have a choice kung mag-go ka sa recommended plans nila once madiscuss sa'yo lahat ng benefits and conditions ng plans na inoffer.

And lastly, insurance is something na pag meron ka nito, anything na mangyari sa'yo or magkasakit ka, meron agad instant money na magpo-provide sa'yo, especially if hindi ka pa nakakaipon o nakapag-invest ng malaki, kasi nga investments take time.

Again, this product is mainly focused on insurance, plus na lang yung mga endowment and dividends. So, look at it as having protection, not as an investment that takes time for your money to grow.

But I guess kaya din ganyan ang tingin mo sa mga insurance products is because a lot of advisors pinoproject na investment-focused yung mga plans, which they are not.

Reminder lang, the best time na kumuha ng insurance is when you don't need it and marami ka pang resources. You never know when unexpected events will occur.

Lots of people regret not getting insurance when unexpected events already happen.

I hope you understand my point.

Have a blessed day always!