00:41.6
at nakadepende sa inyo, kailangan nyo ng life insurance.
00:46.9
Kung may family member na may special needs, kailangan nyo din ng life insurance.
00:52.7
Kasi yung special needs, hindi natatapos yan.
00:55.2
Kung kunwari, special needs.
00:57.6
Special yung child natin o may physical or mental disabilities.
01:03.9
At kung meron ka rin utang na maipapasa mo sa iyong mga compulsory years
01:13.4
dun sa mga anak mo, for example, or sa asawa mo,
01:16.5
then you need life insurance.
01:18.7
So yung sa life insurance natin, sabi nga natin,
01:22.0
meron tayong term endowment hold at investment link.
01:26.3
So ito ang dapat.
01:27.6
Kunin natin dyan yung term insurance.
01:30.4
Huwag tayong kukuha ng endowment, ng hold, at saka ng investment link.
01:35.2
Kasi ang purpose ng life insurance nga ay for protection and income replacement.
01:41.4
So i-compare lang natin kung magkano yung makukuha
01:47.0
kapag nag-endowment tayo, investment link o kaya ng term insurance.
01:51.5
So ang face amount, which is the benefit pag tayo ay namatay,
01:55.7
pare-pareho lang.
01:59.1
Tapos payment term.
02:01.3
Pwede kasing 10 years mo lang bayaran yung endowment investment link.
02:05.5
Yung term insurance, meron din yan.
02:07.6
Limited term ang tawag dyan.
02:09.5
So 10 years din yung kinuha natin para comparable sila sa lahat.
02:15.0
Age of the insured, for example, ay 35 years old.
02:18.4
Ang maturity nito ay 65 years old.
02:23.4
Magkano yung premium na babayaran?
02:27.1
For 10 years, magbabayad siya ng 58,000.
02:32.8
Yung investment link for 10 years, magbabayad siya ng 68,400.
02:37.7
At yung term insurance naman ay magbabayad siya ng 18,000 pesos per year for 10 years.
02:44.8
So pinakamababa talaga yung term insurance.
02:48.0
Pinakasulit, kumbaga.
02:49.9
So kapag inuno natin, kinumpare natin yung amount.
02:57.1
For investment versus endowment.
02:59.8
So yung 58,000 natin dito,
03:03.8
yung 58,000 natin dito,
03:06.3
isusubtract natin ng 18,000.
03:08.9
So meron ka pang extra na 40,000 pesos na pwede mong i-invest.
03:13.5
Para lumaki yung pera mong.
03:16.1
Kung ito yung kinuha mo, mas sulit ka.
03:19.3
Kasi nakuha mo naman yung 1 million na insurance coverage,
03:24.8
may sobra ka pa na 40,000.
03:27.1
40,000 pesos na pwede mong i-invest on your own.
03:31.4
Dito sa endowment ay may 58,000 ka nga na binigay
03:36.5
o 1 million yung makukuha mo.
03:39.9
Napagastos ka lang.
03:41.5
Yung sa investment link, meron kang 68,400 na ibinigay.
03:46.1
Tapos mapupunta sa fund value mo, pero napakaliit niya.
03:51.6
Kaya mas advantage pa rin talaga na term ang kukunin natin.
03:56.6
Huwag nung actual na computation mamaya.
04:00.9
Kung ipag-i-aano natin siya, kukumpara natin.
04:05.1
Dito kasi sa term insurance, ito yung tinatawag na buy term,
04:09.4
invest the difference.
04:12.0
Kung i-cocompare natin dito sa investment link insurance,
04:17.6
68,400, ito yun, minus 18,000.
04:22.3
So we buy term, invest the difference, 68,400.
04:26.6
Minus 18,000, mayroon tayong 50,400 every year na pwedeng i-invest.
04:34.0
So kinumpute ko na siya para makita natin.
04:37.9
So limited term versus endowment, 40,000 pesos per year for 10 years,
04:44.1
yung amount ng investment natin.
04:46.1
Wala tayong additional investment after 10 years.
04:49.0
But we've held it to maturity for 20 years more at age 65.
04:54.7
Kasi 35 to 45,000.
04:56.6
Tayo nagbayad, tapos di na tayo nagdagdag.
04:59.5
Nag-antay na lang tayo ng 20 years hanggang sa age 65.
05:03.0
At magkano ba yung makukuha natin?
05:05.1
Yun yung sinasagot natin dyan.
05:07.1
So sa endowment, makakakuha ka pa rin ng 1 million pesos by the age 65.
05:13.2
Pero kapag sa limited term natin linagay,
05:15.7
at in-invest natin yan sa isang facility that will give 4% rate of return,
05:22.8
1,052,000 yung makukuha natin na.
05:26.6
Yung amount ng investment natin.
05:29.3
Kapag 8% yung return, 2.7 million na yung makukuha natin.
05:34.6
Sa endowment, same pa rin.
05:36.3
1 million pa rin yung makukuha mo.
05:38.7
At kapag 10%, naku 4.2 million na sa term insurance by BTID system,
05:45.1
1 million pa rin yung makukuha mo sa endowment.
05:47.5
Kasi yun naman yung ipinangako ng endowment sa'yo.
05:51.1
So, at kung titignan natin,
05:53.6
sa totoo lang, itong 8% na return natin,
05:56.6
ito ay malapit yan sa binibigay ng pag-ibig na 7%, diba?
06:02.4
7% ang binibigay na dividend ng pag-ibig MP2.
06:05.6
So, walang ka-risk-risk masyado kasi sobrang protected na siya ng government.
06:13.8
So, malapit sa 2.7 million.
06:15.9
Siguro mga nasa 2.4 million yung makukuha natin.
06:18.6
Kung ang gagawin natin,
06:19.8
by term invest the difference tapos ilalagay natin siya sa pag-ibig MP2.
06:26.6
40,000 pesos per year for 10 years.
06:28.4
Tapos hayaan mo na siya dyan ng 20 years until you retire at age 65.
06:34.5
Limited term naman versus investment link.
06:37.1
So, this time, 50,400 na yung ma-invest natin per year.
06:43.8
So, given this, mas malaki yung makukuha natin.
06:47.4
So, investment link insurance,
06:49.3
at 4% return, 305,000 pesos lang po yung makukuha mo.
06:55.2
Compared sa limited term, 1.3 million.
07:00.7
Sa investment link, kapag 8% yung return,
07:04.2
nasa 1.2 million yung makukuha mo sa investment link.
07:07.4
Pero 3.4 na yan sa limited term.
07:11.1
Doble yung makukuha mo.
07:13.2
And 2.1 million kapag 10% ang return sa investment link,
07:17.0
5.4 million sa limited term.
07:21.0
Kaya, para sa akin talaga, mas maganda na
07:23.8
gumawa tayo ng tinatawag na by-term invest the difference.
07:34.8
Okay. So, yan, ano?
07:38.2
Tapos, sa non-life naman, yung ating mga medical disaster calamity property travel.
07:45.4
So, sino ba? Sino ba yung dapat kumuha niyan?
07:47.5
So, yung medical insurance natin, yung health insurance natin,
07:54.8
So, ang tatanungin natin, do you have PhilHealth?
07:57.0
Ilang taon ka na ba?
07:58.6
Does your company offer health benefits?
08:02.8
Kasi, ita-top up mo na lang kung meron yun.
08:05.2
Does your family have history of critical illness?
08:08.0
Kasi, kung meron, kumuha ka.
08:09.7
So, sa medical health, kailangan natin yan lahat.
08:13.7
Yung life insurance, hindi natin kailangan lahat.
08:15.7
Pero yung medical or health insurance, kailangan natin lahat yan.
08:19.8
Thankfully, meron tayong PhilHealth
08:22.9
gives us our universal health care.
08:25.5
Pero, alam natin na mahina pa ito.
08:27.8
Kailangan pa talagang i-improve.
08:30.0
At, siguro, mga 10-15 years,
08:34.0
feeling ko ay talagang gaganda na yan.
08:39.2
Basta huwag lang kukurakutin.
08:41.2
Meron din naman tayong kaunti din na nakukuha sa social security natin
08:44.8
kapag tayo ay nagkakasakit.
08:47.7
So, ita-top up mo na lang ito.
08:49.7
So, mamaya, sasagutin ko naman yun.
08:51.8
So, magkano yung kailangan?
08:53.4
So, yun yung sasagutin natin sa next na session.
08:55.7
Ngayon ay, sino pa lang muna?
08:59.5
Property insurance.
09:00.8
Do you own your house?
09:02.6
Do you own your car?
09:06.0
Do you have a business?
09:08.1
So, sa disaster and calamity,
09:10.9
ang sagot na naman dito ay everyone.
09:13.3
Unfortunately, hindi tayo natutulungan masyado ng gobyerno for this one.
09:21.8
Disaster or calamity merong Philippine Crop Insurance Corporation
09:24.4
pero hindi pa rin siya gano'n ka-advanced.
09:29.0
Ang property insurance naman for homeowners and for car owners.
09:33.7
Ang accident insurance, this is also for everyone.
09:38.0
Pwede natin yan punin with our term insurance.
09:41.5
So, punin na natin yung may accident component.
09:45.6
Yung term insurance na kukunin natin.
09:48.4
Travel insurance, kapag tayo naman po ay...
09:53.1
Business or leisure traveler.
09:54.7
So, katulad ko, kami ni Edwin, we really travel a lot.
09:59.0
So, kumuha na kami ng annual na travel insurance na kinuk na binibili namin.
10:07.7
Kasi lagi naman kami nagta-travel.
10:09.9
Tapos, kung kayo po ay OFW na bibisita sa Pilipinas,
10:14.0
bumili po kayo ng travel insurance.
10:17.5
Kasi may kwento ako niyan.
10:19.0
May kaibigan ako na nagbakasyon siya.
10:24.2
Bumili siya ng insurance doon sa plane mismo, sa PAL.
10:28.6
Pagdating ang Boracay, after two days niya doon, oh my God!
10:33.0
Pumotok ang kanyang appendicitis.
10:35.8
So, kailangan siyang i-transport.
10:38.7
Covered ng travel insurance.
10:40.8
Dahil on-travel siya noon.
10:43.1
E nung nandun siya sa hospital,
10:47.8
na-discover na, oh my God!
10:50.3
Meron pala siyang tumor.
10:51.8
Kaya pumotok yung appendicitis.
10:54.7
Na-operahan pa yung tumor niya.
11:01.5
So, huwag tayong manginayang sa mga...
11:03.6
Ganon din sa mga magulang ko.
11:06.6
Dahil pag nagta-travel sila dito sa Pilipinas,
11:09.7
kumukuha kami ng annual na insurance nila sa US.
11:13.9
Tapos, pagpupunta na sila sa US,
11:15.9
kami naman yung bibili ng insurance dito sa Pilipinas
11:18.2
para covered sila doon.
11:21.8
So, that's one technique, no?
11:24.7
to be able to have that insurance.
11:30.8
So, yung term insurance natin,
11:33.2
ito ay protection sa emergency.
11:35.4
Hindi siya investment.
11:37.4
So, buburahin talaga natin yun na investment ng insurance, no?
11:40.8
For the specific period covered,
11:42.9
lifetime is it's not needed.
11:45.3
So, ang gagawin natin,
11:46.6
by term, invest the difference.
11:50.5
pinaghihiwalay natin ang pagbili ng life insurance
11:55.0
para makaiwas tayo sa matataas na fees
11:57.7
at commissions ng insurance company.
12:02.8
madalas nyo itong maririnig sa insurance.
12:05.2
Ang BTID, hindi po ito produkto
12:07.2
na binibenta ng insurance company.
12:09.7
Ito ay isang sistema o strategy
12:11.7
para masulit yung pera natin
12:13.4
sa pagbili ng insurance at pag-i-invest.
12:16.8
separately binibili natin yung life insurance
12:19.0
at separate tayo na
12:22.3
BTID offers pure protection,
12:25.5
mura ang premium,
12:26.8
malaki ang benefit,
12:28.2
at yearly renewable or limited pay.
12:31.6
Yung po pwede natin na
12:38.5
So, yung BTID dyan,
12:39.7
dito yung pinakita ko kanina, no?
12:41.4
So, kung nga rin dito,
12:42.9
bumili ka ng term insurance
12:44.4
which is 6,000 pesos.
12:46.5
Hindi na siya limited term.
12:47.8
Annual renewal na siya, no?
12:49.4
So, magkano yung pwede mong ma-invest?
12:53.2
bibili ka ng 6,000 pesos na term insurance
12:56.0
instead na bumili ng 58,000 na endowment.
12:60.0
So, meron ka ngayon 58,000 minus 6,000,
13:03.4
meron ka ngayon 52,000 pesos na pang-invest.
13:07.2
Yun yung invest the difference.
13:09.1
O, ganun din sa investment link.
13:11.0
68,400 yung VUL na babayaran mo sana,
13:14.3
pero you did BTID.
13:15.7
So, bumili ka na lang ng 6,000 pesos.
13:18.3
68,400 yung VUL na babayaran mo sana,
13:19.3
68,400 minus 6,000 pesos.
13:22.3
Meron kang, oh sorry,
13:23.4
meron kang 60,400.
13:26.8
60,400 pala dapat yun.
13:29.5
I-check ko na nga para,
13:31.8
I-check ko na nga para
13:35.2
pag sinensa inyo ni Flo ay maayos na, no?
13:42.1
So, baka inisip nyo,
13:43.5
mahal kasi yung insurance, ano?
13:46.1
Ang insurance po ay murang-mura lang.
13:51.9
Ang annual premium per 1 million.
13:54.5
For every 1 million na bibilihin mo,
13:56.7
eto yung babayaran mo.
13:57.7
Kung 21 to 30 years old ka,
14:03.1
Meron po bang 21 to 30 years old
14:05.4
sa mga participants natin?
14:11.7
Puro tayo mga, ano,
14:16.4
Tapos, kapag 31 to 40 years old naman,
14:18.8
nasa 5,900 to 8,900 per million.
14:22.9
Pag 41 to 50 years old,
14:25.0
nasa 9,500 to 14,350 per million pesos na covered.
14:31.1
Kapag 51 to 60 years old tayo,
14:33.2
it's 15,000 pesos to 21,000 pesos per million covered.
14:39.5
At mas mura pa kung group life insurance
14:42.5
yung bibilihin natin.
14:43.7
It's 2,000 to 4,000 pesos only.
14:48.8
Hindi na kayo mahirapan maghanap
14:50.8
kung ano ba yung mga term insurance
14:53.8
na binibenta ng mga insurance company.
14:57.2
I-screenshot nyo na, no?
14:58.9
Or i-scan nyo na yung QR code na yan.
15:01.2
bit.ly slash terminsuranceph.
15:07.4
binibentahan talaga kayo ng
15:08.7
VULO na endowment funding
15:11.0
ng mga insurance agents.
15:14.3
Pumunta na kayo dyan.
15:15.8
Actually, si Lian ang may gawa nito.
15:17.7
Nilista niya lahat.
15:18.8
ng mga insurance companies
15:20.2
at ano ang pangalan
15:21.9
ng mga term insurance products nila.
15:25.0
Para pagpunta kayo sa insurance agent,
15:26.8
sasabihin nyo na,
15:29.1
ito yung ibigay mo sa akin.
15:31.6
Huwag kang magbigay ng iba.
15:36.5
So, kailan ba tayo bibili
15:38.0
ng insurance natin?
15:42.6
when should I buy insurance?
15:44.2
Pag tayo ay young adult,
15:46.3
if you have dependents,
15:49.3
Non-life insurance,
15:50.4
so, by accident insurance
15:51.7
and health insurance,
15:53.2
property insurance,
15:58.1
if you have dependents,
15:59.3
buy an equivalent
16:00.0
of 10 years income.
16:02.2
Term insurance, yan.
16:04.1
Non-life insurance,
16:05.7
mag-extend tayo ng health insurance
16:07.3
to our family members
16:08.6
at i-continue natin yung accident
16:10.3
and asset property coverage,
16:17.8
maintain insurance for us,
16:18.6
if you still have dependents,
16:22.8
sa ating health insurance cover
16:24.8
for yourself and your spouse.
16:26.7
Tapos, i-continue lang
16:27.7
yung ating asset cover.
16:29.5
At kapag tayo ay retired na,
16:32.9
hindi na kailangan
16:33.7
ng life insurance cover
16:37.0
unless mayroon ka pang dependents, no?
16:41.1
Nanganak ka nung ikaw ay
16:45.1
at 66 years old ka na,
16:48.2
saka palang mawawala
16:49.8
ay hindi magiging dependent, yun, no?
16:52.0
And then, i-continue natin
16:53.0
yung ating health cover
16:54.4
if it is affordable.
16:56.8
Kung hindi affordable,
16:58.4
mas magandang mag-health fund na lang tayo
17:00.4
kasi masyadong mahal, okay?
17:04.5
Sino ba yung may kailangan ng insurance?
