SHORT and LONG-TERM HEALTHCARE

This investment plan can provide you short-term and long-term healthcare need.  When you needed to be confined during the paying period (7yrs), you can use the annual benefit up to the allowable amount. (Annual Benefit Limit depends on the availed plan).

Regardless, with or without utilization ng healthcare benefits as long as may existing health fund, this plan is something that can take care of your healthcare needs during your old age. 

Reminder: During old age, lumiliit na yung chance na mapprove ang healthcare coverage application because of the higher health risk. So better to get it while you are YOUNG and HEALTHY.

When you are also working and your company is giving you the SHORT-TERM healthcare as benefits, always remember na you cannot bring that benefit when you resign or retire from your work.

Notes to ponder: How comfortable is your health care situation after age 60, depends on a decision you make today.

INSURANCE

,Life Insurance is an instant money to be given to the beneficiary in case of death of the policy holder.

This is to protect your family if you die to soon especially when you are the bread winner.

Life insurance protection can help you replace your income, help finance your children’s education, pay estate tax, pay debts, etc. 

This is not like a religion na dapat paniwalaan. this is something na dapat meron tayo if we really love our family.

Aside from Life insurance, this Investment plan has also the following; 1) Waiver of Premium due to Death, 2) Waiver of Premium due to Total and Permanent Disability, 3) Transfer of healthcare benefits of the Kaiser Policy to the principal beneficiary, and 4) in case of Accidental Death ,additional 100% of Long-term care benefit and Bonus will be given to the beneficiary  or if Dismemberment (% of benefit depends on the dismemberment)  

Reminder:  Insurance is a privilege and not a right. Hanggat insurable ka, better get one.

Notes to ponder: Who will take care of your family when you die too soon? Life Insurance doesn't insure your life. It insures your family's ability to continue on without being financially devastated.

SAVINGS AND INVESTMENT

While you are YOUNG and HEALTHY, take advantage of it.

This investment plan will give you a BONUS if walang utilization or usage of your healthcare benefit during the paying period (7yrs).

In addition to the BONUS, while waiting for the maturity period of the plan, the policy holder is entitled to Annual Health Benefit equivalent to 10% of the plan during the "waiting period (13yrs). This amount will be added to fund which pwede pa ring mag earn the interest/dividend.

Sa maturity period (20yrs), may guaranteed na Long Term Care Benefit ( amount depends on the plan).

And during the maturity, may option ang policy holder to get the lump sum amount of the plan or i-retain lang with Kaiser to earn more interest at the same time still cover ng HMO rate during hospitalization if gagamitin ang plan for paying the hospital bill.

Reminder: Save as much as you can and as early as you can.

Notes to ponder: Gusto mo bang mangyari ang mga bagay na ito sa'yo?  Most people rely on their children, sell properties, or borrow money for their medical needs during retirement and Majority of Personal Bankruptcy is due Medical Crisis.