Unsa man nindot educational plan and life insurance?

[mark_eugene]

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pros and cons and post website that i can get info about this, educational plan and variable life insurance, or insurance na apil investment...

[bojams]

Bro kindly inquire daw sa Metrobank about thier Honey Pot Variable Products. Tel. nos.256-0395 or 254-9581 (MBTC Leon Kilat contact person Marissa Sapong).

[usrolla]

bro akng anak akng gi kuhaan sa philam plans bro for high school and college... one thing lng about philam bro is stable sya nga company...and they have many plans to choose from according to your budget bro....you can visit them sa ila ofc sa jones ave near sa pldt

[jhiade]

mark you can check www.img-corp.com it will tell you a lot of info about this and if yu need more call me at 417.2626 or 0922.7042322

[eignav2000]

Hi Mark, to answer you question... daghan products nindot... but it will only be nindot when it will fit to your needs.... You need to talk to a full time financial consultant who is expert in that field.... if you're interested PM me..

[tagur0]

i suggest you go into bonds kay ang educational plans ron lisud na, grabe ang inflation. kanang premium imong gikuha nimo pila na kaha ang value ana 10 years from now. hope these helps.

[dukegulliver]

don't go for philippine axa (metrobank group). formerly it was pan philippine life. they have a lot of clients who were not well informed because management doesn't want them presenting on full disclosure. they will tell you that it's guaranteed but it actually isn't. and the worst thing is that you'll have a problem with claims - this is the main reason why pan philippine life was change to philippine axa (aside from the fact the AXA worldwide is top on the list), but still you have to consider top management for that fact.

a FACT - 90% of retired metrobank employees are not connected with philippine axa for that matter because they know the company very well. mostly are connected with phil-am life, sunlife, and manulife because of their reputation on claims.

i sold products from phil-am, sunlife, and manulife as a sub-agent. so far, the best plans come from manulife because you can work on your budget. it isn't like other companies that you have to choose. manulife plans are custom made for each individual/client.

pm me for more information, and i'll be glad to refer you to good agents.

[COMCAM]

Ga hard sell man ka part! What's your basis on the 90% retired metrobankers not connected with Axa. Of course retired na gud. If what you are trying to say is most retirees of metrobank who want to pursue a career in insurance don't go for Axa. The main reason for this is that Axa has lower comission. Second, they are not allowed for a two year time after retiring since they are protecting the existing employees most specially the salespeople who are directly connected with Axa. Just imagine getting the sales portfolio intended for the direct hired axa salespeople, even a part of it will be hurting them.

Regarding sa claims, I know one situation in Metrobank Salinas Drive branch where a client of theirs who has a plan that was not paid and had lapse who eventually claimed for her dreaded Cancer of the breast and she claimed for the benefit of half a million. Since her plan lapse, the claim should not have been released, but Axa released her half a million. Dugay cya na releasan becasue the matter was escalated to higher management. The decision lasts nearly three months but the good thing here is that Axa released the half million pesos! This prompted Axa to decide basing on their integrity not just for thier brand/company but also for their clients. (But I think they acted on safegurding thier reputation)

Usually dugay jud ang claims for most companies because they investigate claims because there are insurance frauds that are happening. As for my wife's sunlife plan, when she claimed for her cancer of the thyroids, sunlife released the claim after two months and yes she was investigated. All medical findings and all the doctors whom my wife visited were ask for important facts.

Be a fair competitor! You seemed to be desperate. Don't step on other shoes for your own fulfillment.

@ mark_eugene - dude, its really your choice who among the best and well established life insurance companies.

Just remember these pointers:

1. The company must be well established both locally and internationally.
2. Count on the years of experience.
3. Companys who live for their brand name.
4. You must be comfortable with the agent you are dealing with. You can test their knowledge by asking questions and when you are not satisfied with the answer then look for another one. There are also agents who are directly hired and is situated in banks like axa in metrobank, sunlife with standard chartered, new york life with allied bank and much more. But always remember, test the skills of the agent, the less knowledge, the greater chance of mis-selling the product. So ask.

5. Try to get the feel of the culture of the company because this is where you can gauge the decision making process. This is hard to do but if you can the better.

6. Don't be in a hurry to purchase one. Always gauge pros and cons. Also gauge if your questions on your needs are met so don't be shy answering the agents questions because the reason why they ask is to gauge your suitability to any of the products they offer where they would eliminate the other products and offer you the best product suited for you.

I am an ex-axa agent for more than three years based in metrobank. I have an axa policy, my wife has sunlife, our daughter has a college plan with Insular life and I hope you got what I mean.

don't go for philippine axa (metrobank group). formerly it was pan philippine life. they have a lot of clients who were not well informed because management doesn't want them presenting on full disclosure. they will tell you that it's guaranteed but it actually isn't. and the worst thing is that you'll have a problem with claims - this is the main reason why pan philippine life was change to philippine axa (aside from the fact the AXA worldwide is top on the list), but still you have to consider top management for that fact.

a FACT - 90% of retired metrobank employees are not connected with philippine axa for that matter because they know the company very well. mostly are connected with phil-am life, sunlife, and manulife because of their reputation on claims.

i sold products from phil-am, sunlife, and manulife as a sub-agent. so far, the best plans come from manulife because you can work on your budget. it isn't like other companies that you have to choose. manulife plans are custom made for each individual/client.

pm me for more information, and i'll be glad to refer you to good agents.

[barloval]

nice pointers boss comcam....at least in your case you diversify your risk to different insurance companies..kumbaga dont put your eggs in only one basket....i already receive qoutation from sunlife, as my agents says that it is the best product daw kay it serves as an investment at the same time life insurance....i also have a friend recommending prulife kay mas nindot daw sa sunlife...ako pud officemate just bought from manulife.....but still im still hesitant to buy coz victim man gud ko sa CAP, but at least the pointers you gave might help...

[COMCAM]

@ barloval:

hehehe me too was a victim of CAP, naa pa ko pension diha worth Php 100,000 and ni due this February this year. I got it during my first working years from my mom! When it started to crash (you know hearing issues, rumors) I said to myself, I want to have a career in finance because I want to find out. So there I ended up with Axa and since then I know the truth about these finance companies particularly the pre-need and the life insurances. Kai in the future, I can be a dad (which I am now) and sooner I can be a grand father, so atleast I can give them true advices. So karon, di nako ma ilad anang insurances or what "maro" nga agents will say. For those agents naman that did not scrutinize there products, they have to study.

Kanang mu-ingon ug this is good for you or great for you, you better weigh your decision because you are the owner of the money-the master and its your choice!

Pru-life better than Sun-life? I doubt it! and I can't say that Sun life is better than Pru-life. In what sense that they are better off the other? If he means in the investment products, naah! These insurance companies that sells investment products usually advertise immediately when their records are high. So mag ba0s-ba0s ra na sila.

I hope my pointers will really help. The more you talk to more agents the more you will learn, the more you can weigh your decision. Goodluck!