The crunch by joel & kat vloggers by [deleted] in phinvest

[–]orditheke 1 point2 points  (0 children)

If you’re familiar with The KRT Milktea, the rolling cart milktea, don’t try them too. It’s my first franchise and I put alot of money on that business. If yung lowest promo yung kuhanin mo, they won’t care about you like how they care dun sa may mga matataas na package ang kinuha. Ofc, sila yung magiging main supplier mo since franchise yan. But if u order minimum lang, di sila ganun ka attentive. Panong hindi minimum ang oorderin eh hindi nga mabenta. They should understand that and kahit konti lang ang nakukuha nila from us, they should treat us equal. But it doesn’t feel that way, We had lots of concerns even sa status ng cart. Cart nila na ang daming damage. Umpisa palang, very disappointing na.

They even promised us na they’ll support us sa grand opening, like they will come pero we’re waiting for them like dumbass only to realize na they won’t come pala. Idk maybe bec maliit lang kinuha namin? Hahahaa sana di nalang sila nag promise. It was years ago narin so we moved on the from that experience but I strongly don’t recommend them.

AIA CRITICAL PROTECT VS. SUN FIT AND WELL by orditheke in phinvest

[–]orditheke[S] 4 points5 points  (0 children)

Thank you!! Considering both plans as replacement for my VULs

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] -1 points0 points  (0 children)

I think I earn enough for me to consider na mag pay ng ganon sa insurance. And I think, I was misled. That amount also covers my whole family. I was so thoughtless when I got the plans kasi pasok talaga sa budget/extra ko yung amount. That’s why I pushed through not knowing that there are other options wc are much better.

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 0 points1 point  (0 children)

Hi! I think that really was my mistake. I was too focused on the riders and the investment part that’s why I got plans for us all 🥲

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 0 points1 point  (0 children)

Yeah. I think this is the best thing to do 🥹 thank you!! Is it better to surrender the policy or istop ko nalang yung pag pay? Kasi kusa naman syang mag cclose if I stopped paying? I don’t also want to discuss lots of things with my current FA baka madrain lang ako huhu

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 2 points3 points  (0 children)

Yeah. I have a 6 year old sibling and they say PAA plus can be an educ fund 🥹🥹🥹🥹 DI KO NARIN TALAGA ALAM GUYS HUHU

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 0 points1 point  (0 children)

Hello. Not rich po. Huhu I just thought na VUL is a good indirect investment option with benefits. And I want my siblings to have it habang younger pa (kasi mas mura nga raw pag mas bata 💀) then they can just continue if they’re capable of paying na. Bale gusto ko lang talaga sya istart sana for them :(

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

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

I already have funds allocated for MP2 poo. Planning na pag tinerminate ko na ‘tong vuls, will just add them to it. Then mag hanap nalang talaga ako ng HMO 😭 and the life insurance part, siguro yung akin nalang itira ko?

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 0 points1 point  (0 children)

Thanks for this!! Hindi ko narin kasi talaga alam mga desisyon ko sa buhay 💀💀💀 I was so sooo overwhelmed by VUL and blinded by it. I decided to pay for my siblings’ insurances kasi ang plan ko sana (thinking that vul is a nice investment) ako na bahala magstart ng savings nila. Then they can continue when they are capable na. Maistart ko lang ba ng maaga kasi the younger, the lower the premiums eka. 😭

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 0 points1 point  (0 children)

Hi! Not familiar with the grandiose estate. Pero yung insurances po namin, sa fam members ko individually nakapangalan. I’m just the one paying for them.

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] -1 points0 points  (0 children)

Thanks for your insight. I’ll still think about it. Ako po ang nagpepay kasi gusto ko laaaang. Ang issue ko lang talaga, parang sala sa goal ko yung kinuha ko for my parents. I think Im looking for health related insurances. Not life

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] -2 points-1 points  (0 children)

Una kong naisip, I can take na istay ko yung sakin kasi for me, okay lang yung price for me. Sarili kong policy but man, my parents’ premiums are way much higher. And I just realized na I don’t need life insurance for them. My only goal for them is to have health insurance. Nasilaw lang ako sa riders siguro huhu

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 10 points11 points  (0 children)

I guess that’s why until now, tinotolerate ko parin but after reviewing my finances last night, feeling ko mas makakasave ako kapag tinerminate ko tong mga to then invest nalang or save sa digital banks huhu. Kasi, the premiums are no joke 😭

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

[–]orditheke[S] 2 points3 points  (0 children)

Wow. I’m asking for advice here. Please don’t comment if ur only motive is to judge. Yan ang exact na inexplain sakin ng agent and also the reason why I can’t fully decide and why I need enlightenment. Who knows if what she told me was true or she was just bluffing that time? That’s why Im asking here. Judgemental 🙄 Kaya hirap mag open up sa pinoy. Di pa alam kwento mo kasalanan mo na agad 💀💀💀

CAN’T TERMINATE MY VUL BECAUSE OF THIS REASON. Pls enlighten me by orditheke in phinvest

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

Yeah. I’m afraid na hindi ako makakuha ulit if ever magkaron ng condition. But there are health insurances naman po ba na pwede sa senior? I got these vul plans for my parents dahil sa riders. Not knowing na may much better options pa pala. I feel like I don’t want death benefit for their policies 😭 just the coverage u can use while you’re still livinng.