Protecting From Dangers Lurking Your Life

In Science we learned that plants and animals have their unique ways of defending themselves from attackers.

Humans, no matter how the gift of intelligence gives them multiple ways to protect themselves, can still fall prey to dangerous personal calamities — Sickness, Accident, Disability.

Protect yourself and your loved ones by making sure that the financial burden brought about by a personal disaster is mitigated or addreased in full by the Life Insurance company, not from your own pockets, savings, and investments. Be the Man from the PRU.


Why is Life Insurance not URGENT for you?

I bet you’ve come across horrific stories about friends (and relatives for some) dying too young because of cancer, stroke, or heart attack. Was it the lifestyle or the processed food they ate? was it genetic? Did they die because they could not afford medical care?
Or perhaps stories of some becoming paralyzed that they could no longer talk nor walk, hence out of work.
So with all these, my wild imagination brings me again to the following questions:
1. Have you seen how their children or parents struggled with the loss, or the medical costs, or the loss of income?
2. Have you reflected on your own and thought ‘what if it me?’ ?
3. Despite being offered good products that can transfer the risk from your family to the insurance company, what is it that prevents you from getting one now?
You know, I could help. All it takes is for us to talk about it. It’s not me selling you a product. it’s me guiding you on how you can and ought to protect your family against all of life’s major risks: Sickness.Accident.Disability, dying too soon or living too long.
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Contact me so we can discuss more about Life Insurance and how it definitely can help in the future.

Be PRUactive, plan to secure your loved ones

Be PRUactive. How many calendar days do you need to mark with ‘X’ before you decide to message me because you want to start the #protection program? I wish I could convince you to have that sense of urgency. But I will wait. Meanwhile, do plan to secure your own and your wife and children. Securing your wife means whoever “goes” first will leave his/her own “Legacy” to the family. Whoever gets sick due to critical illness will not cause any major disruption in the financial status of the family. if both should “go”, make sure the children’s education fund continues thru Pru Life UK’s Payor Waiver.

Be PRUactive; plan for you and your loved ones; like me, be the Man From The PRU!

Retire Comfortably

Us in the late 30’s, definitely we have time to build our retirement fund. Let’s break that cycle of being overly dependent from the welfare or charity to some extent from our children. It’s true, when we ask money from our kids when we are old and retired, we may be taking away investment money for our grandkids. How much do you think we need if don’t act now? even 5K a month will be 14K worth when we retire. Let’s break the cycle by building our retirement fund NOW. Fortunately Pru Life UK has #elite products which can assist us build that retirement fund for the future.

If not now, when?


Here’s a screen grab of ANC OnTheMoney post in Facebook showing Randell’s views about retirement.

Credit to both for the post and the tip.

Relationship Index

It’s interesting to note that the Philippines is second to Cambodia in terms of Relationship Index as per PRU LIFE UK’s research for 2017.
Cambodia and the Philippines are still considered developing economies. Though it may not be conclusive, I find having strong family ties is causing some families to think low about their future, after all being in the family home brings food and economic security altogether. We don’t dream of owning a house because we can live in our parents house. Why think of retirement when the simple lifestyle we got used to need not be changed? We don’t dream of flying outside the country because our parents never did anyway! If I don’t have rice today, how difficult can it be to get a 5/6 loan from a loan shark? Basic food is enough for us and we’re so used to this kind of meal—rice with tuyo, rice with pork oil and salt, rice and “lucky me” noodles, etc…
Today’s forum on Relationship Index made me appreciate more my decision to become a Pru Life UK’s financial advisor and a student of Registed Financial Planners (RFP). I see myself as having a big responsibilty in changing the course of the Filipino culture, albeit in my own little ways, that is, helping many to unlearn old thinking and learn new and modern theories and applications about personal finance; about how strong family ties can be an inspiration or motivation to work hard and not become a limiting or curtailing trait amongst a lot of us.
Filipinos being 2nd in strong family ties is a good thing. it’s never a bad thing. Us Financial Advisors just need to educate every family about planning properly for the future, about dreaming BIG and daring to achieve that Dream.
So when I ask you about protection, retirement, education, or investment, it’s not about me. It’s definitely about you. I’m only here to show you the way.

What Life Insurance is not about

Let me tell you what a Life Insurance Financial Advisor is not about:
1. It’s not about company incentives and commissions
2. It’s not about certificates, plaques or distinctions
What it is about?
1. It’s about making sure our clients are able to pay medical bills that could be hundreds of thousands to millions. It’s about getting the best health care.
2. It’s about making sure the family still gets to eat three basic meals a day and able to buy grocery when the client is no longer able to work due to disability
3. It’s about making sure each child the client has is able to graduate in college even if he dies.
4. It is about making sure the client grows old not dependent on any of his children for his monthly needs.
I trust you understand why I am passionate about being a Life Insurance agent. I was, for 15 years, just laughing about this, until i realized this year how it may really help my future and my dependents’ future. The passion is all about the strong belief that this business is really all about preparing the WEALTH for the client and his loved ones when they needed the most.

Life Insurance Protection Policy – Transferring the Risks To Insurance Companies

You are the breadwinner, the family’s major or single Source of Income.

On happy days, it’s really fun to see your family enjoying the fruits of your labor. You are even happier if you can take them to a perfect, fancy restaurant for lunch or dinner and have the kids play to their heart’s content in the children’s playground inside the mall.

You think about where to enrol them for college education and your choices are most certainly the top 5 schools in the country.

You dream of a once-in-a-lifetime trip to Orlando, Florida for the kids to enjoy in the “Happiest Place on Earth”, Disneyland! Or have plans to take your wife to a very romantic 5-day trip to Europe.

Lurking behind though is the threat to your life, your family’s financial security, and the kids’ education.

These are sickness due to critical illness, disability, and loss of job. These are uncertain events that, hopefully, you are very much aware of. These can deplete your financial resources.

To achieve that peace of mind, we need to plan for transferring these risks somewhere else so that should anything happen, the plans for the family will continue, with or without you.

Let’s talk about how we can transfer the risks. Coffee on me.




Buying on cash, on lesser amount

Whether its real estate property or a car or any other big ticket item, a wise investor will not use credit to purchase the item. It’s always best to use cash. We know using cash will take a lot of time therefore it may take a lot of time to build the fund to purchase. That’s true. If the item will generate income, then leveraging on cash and using credit from loans will be ideal. But if it’s for personal use, would you really be ok giving out interests which could be 60% of the cash amount? Fortunately, there is a way to save less cash then allow compounding to hit the target amount. Here’s a sample:


If you dream to make a big-ticket purchase in 10 – 15 years, consider investing in Elite 5 or Elite 7 products of Pro Life UK. The return will help achieve your goal.

Contact me for details on how to go about it.

Preparing for Child’s College Education

On Educational Fund

We want to give the best education for our kids. But given the 6% annual increase in tuition fees, it’s not enough to save money for the education 10 to 15 years later, we have to keep up with 1. Inflation rate 2. Annual Tuition fee increase. Hence, saving money in the bank may not be the best nor ideal solution. If saving 1M in an investment which will generate 2M in 10 years, would that be something that will interest you? Fortunately there is a way, and I can assist you with it. Let’s talk about it.Screen Shot 2017-11-19 at 10.51.32 AM

Seen Zoned episodes (When it comes to insurance)

I find it so funny. Was just done chatting with a 2001 colleague over LinkedIn and we were talking about Insurance. He asked me whether I have experienced being ignored.

I said, “YES!, seen-zoned. 3 people have done that to me actually”. 😀

Then he went further to prod me into revealing my thoughts about it (as if torturing me to answer), “So, how did you feel?”

I just said, “Not affected. First, it’s never my loss. And I was like them in the past too, so I was prepared. I only gave them the benefit of realizing how they can prepare for the future – for themselves and for their family. Second, while waiting for them to respond, which they haven’t, I moved on and made more people realize the benefits. I actually made some get policies, one even got 3!”. 🙂

See, we can never force somebody to follow our advice however genuine our intent is. I was late for 15 years and it’s just so good to feel that I am still able to get Life Insurance protection. It’s a calculated risk. The rewards is just too nice for the risk, and that I realized only this year. My happiness of getting one only led me to try becoming an instrument such, so that others may also be aware of the benefits of protecting their family’s future. That I won’t grow tired of, even if no other person reading my “insurance” posts may ask me to assist in getting one. It’s a personal commitment and I won’t waiver in my desire to become one of those who can contribute by spreading awareness. The Philippines insurance coverage is very minimal. Peoples’ fear of the unknown, thus not taking action, only lead to families suffering: no food on the table, children not able to continue studying, etc. etc., a ripple effect that will go downstream a long, long way which will make it hard for them to recover. It’s time we should reconsider building a bridge for your young generation. Get Protected, don’t disregard just because you’ve lived a nice life. Give your children the same, if not better future life.

Btw, I don’t blame those who didn’t reply. I understand. But keep on thinking about it. Discern. Do some introspection. Make your move once you are convinced with yourself that you do need it. 🙂 You’re also free to call on your friend to assist you. I don’t have to be. For as long as you’re protected? I’m successful with my drive. Cheers!