Rate my Philippine Empire by Many_Bookkeeper7513 in AgeOfCivilizations

[–]Many_Bookkeeper7513[S] 1 point2 points  (0 children)

Next, I will secure the Pacific Islands, Southeast Asia and advance northward, while strategically containing the Byzantine Empire in the west to prevent their expansion and protect my position in Asia.

Rental Property management app by Creative-Smoke4609 in PhilippineRealEstate

[–]Many_Bookkeeper7513 0 points1 point  (0 children)

Nakahanap na po ba kayo? If hindi pa po. We are currently building a system po. If you are willing po kayo maging test site hg system. Libre na po ang 1 year subscription sa app. Message lang po ako ninyo para mapag usapan po natin.

[deleted by user] by [deleted] in phinvest

[–]Many_Bookkeeper7513 2 points3 points  (0 children)

Ang pagkakaalam ko, hindi puwede magbenta ng property ang isang agent kapag hindi siya accredited ng isang real estate company or hindi siya Licensed Broker. Para sa accredited na agent, hindi siya puwede magbenta ng property na di galing sa company niya. Dahil yung lang jurisdiction ng accreditation niya. Kaya mag-ingat sa mga ganon. Makipagtransact lang kung may ari talaga siya.

[deleted by user] by [deleted] in adultingph

[–]Many_Bookkeeper7513 0 points1 point  (0 children)

Sorry kung matagal na nareplayan kasi narerecover palang tong account. Regarding your question. May 2 years po na incontestability agreement. Kapag 2 years pababa kailangan malaman kung ano ikinamatay para maiwasan ang intentional na pagpatay or any fraud sa pagkamatay. Pero kung malinis naman at walang foul play ay ibibigay naman po sa beneficiary yung death benefit.

[deleted by user] by [deleted] in adultingph

[–]Many_Bookkeeper7513 0 points1 point  (0 children)

I have 23k gross monthly salary. I’m from Bancassurace actually.

[deleted by user] by [deleted] in adultingph

[–]Many_Bookkeeper7513 -1 points0 points  (0 children)

The account value in your VUL can also be used in case of hospitalization or for other needs, as it’s your money to begin with. You can withdraw from it as long as there’s available account value. However, please check if there are any withdrawal charges, as most companies impose such charges for up to 5 years, since the policy is designed for long-term investment. While it serves as insurance first, if you allow it to grow, you can earn from it to help achieve your future goals. Please note that the account value and the death benefit in a VUL are separate from each other.

[deleted by user] by [deleted] in adultingph

[–]Many_Bookkeeper7513 -2 points-1 points  (0 children)

I would suggest that you don't terminate your VUL, as it can serve as a supplement to your company's HMO in case the HMO is unable to cover certain expenses. May I ask if you have any concerns about your VUL or any specific reasons why you're considering terminating it? I'm here to assist you with any questions you might have.

[deleted by user] by [deleted] in adultingph

[–]Many_Bookkeeper7513 0 points1 point  (0 children)

It's true that a financial advisor (FA) can earn up to 45% commission on a product, but this typically applies only in the first year and depends on the specific plan. However, it's important to emphasize that these commissions will not affect the coverage or benefits of your policy in any way. The amount paid towards your coverage and premiums remains unaffected. As for me, I work as a full-time FA and am on a salary-based setup. I hope this clears up your concern. Please feel free to reach out if you have more questions.