Unsay advantages and disadvantages sa Insular Life?

[honey2723]

---

Ok..as a soon to be investor, IL looks promising to me.
However, pardon me because I still have so many questions in mind (merely clarifications) since I'm not that knowledgeable in terms of finances (pareha sa imo giingon, I am just an ordinary client - I know staffs in lined with my field but when it comes to finance-related terms I'm totally a newb).
Questions:
1] What is NAVPU and the "@ P1.786092/unit sa equity fund" means?
2] You also mentioned that your equity fund is up by 165%, what does that mean? Also this one >> "For the past 2 years and 9months, my investment has grown by 59.48% overall or 23.8% per year..."??
3] What do you mean by NF?
4] How much will I get (interests)/benefits if I'll go with:
a] Wealth Secure?
b] Wealth Builder?
5] How much is the processing fee for Wealth Secure or Builder?
6] Where would my money go if I invested in Wealth Secure or Builder, am I assured with my investments?
7] Are our investments re-invested by IL to local companies only? Or is there a way to know where did our money go or to what companies IL invested our money both locally and internationally?
8] How did IL lived up to 100 years in the business despite the economy's ups and downs?

Again, pardon if some of these questions are kinda stupid...but I am "dying" to know all this stuffs! hehehehe

Hi b@r3foot,

Since your "dying" to know all these stuff, then I would recommend that we talk personally, coz my thoughts and my mouth can explain faster compared to my fingers... I am now back to work mode (had to address some personal stuff whole week last week). So for this week, I do have some vacant schedules to accommodate your questions... And by the way, they are not stupid questions.. These are valid questions especially if you do plan to invest...

And I also have to comply w/ company procedures as to responsibly disclosing company materials. This is already a public venue and I can only disclose the details to those interested... Hope you understand... General ideas and details, okay ra ma-discuss diri, but your questions are already very specific... So, for these, recommended na jud ang one-on-one discussion...

I'll pm you my contact details for our one-on-one discussion...

[honey2723]

you may also include, how much you would charge for the transaction fee, in some VUL products, if you pay 100K, 94K goes to your investment while 6k goes to the transaction fee, 6% kung baga. Sa Insular, pila man?

@ofw_cebu - I can only disclose this information sa one-on-one bro... We have company policies that will not allow me to do that here sa forum... Hope you understand... But as to the charges, I always disclose this during the one-on-one meeting w/ my clients and prospects... Thanks for recommending this question to b@r3foot...

[rev]

Kumusta naman iyong investment karong tuiga.

[jeshcel]

kinsa ahente diri ug Insular Life....I would like to know more regarding the different insurances and investments. Please PM me thanks in advance.