tag:blogger.com,1999:blog-6239519515314018829Tue, 10 Sep 2024 22:39:11 +0000why life insurance?estate planningmanulife philippinestypes of policiesinvestmentswhole life insuranceasset protectioneducation planshealth plansabout mecontact medisability insuranceinsurance companiesmoney for retirementpeso dollar ratetravel insuranceunique gifts for kidsViews and information about the importance of financial protection through life insurance.http://insurance-philippines.blogspot.com/noreply@blogger.com (Dom Tuvera)Blogger34125tag:blogger.com,1999:blog-6239519515314018829.post-672346236066652681Fri, 21 Mar 2008 16:52:00 +00002008-05-28T12:27:41.086+08:00investmentsWhere to put hard-earned or extra money with higher returns is the biggest concern in investing. And putting up a business in the Philippines in these tough times is a challenge. What business to set up involves answering one important question...What business idea will give you profit?Business ideas abound. To help you decide, list down ideas as they come to you. Do not try to exclude ideas at http://insurance-philippines.blogspot.com/2008/03/is-putting-up-business-in-philippines.htmlnoreply@blogger.com (Dom Tuvera)2tag:blogger.com,1999:blog-6239519515314018829.post-8199790075005751786Fri, 18 Jan 2008 02:28:00 +00002008-08-23T19:29:49.244+08:00investmentsBefore thinking of where to invest your money and get rich, think for a moment which situation applies to you...Are you thinking how you can build up cash assets fast so you can retire in comfort? How will you ensure that the ABC of financial planning is covered? Where is a safe place to invest your money?What is the best way to invest your money? Will you put up your own business? Buy real http://insurance-philippines.blogspot.com/2008/01/where-to-invest-your-money-and-get-rich_18.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-9118895843603851571Fri, 11 Jan 2008 08:32:00 +00002008-01-18T11:45:43.918+08:00types of policiesFor over 50s, life insurance has its pros and cons looked at more closely. You are in the latter part nearing retirement. There should be enough protection and savings for retirement at this age. You have built enough assets for your family and it is important that you protect your assets from shrinkage.Like other policies, this life policy takes into account age, health, lifestyle, gender and http://insurance-philippines.blogspot.com/2008/01/are-you-over-50s-life-insurance-can.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-5564776523909510563Thu, 10 Jan 2008 15:54:00 +00002008-03-22T13:14:25.610+08:00investmentsVariable universal life insurance can be a type of permanent insurance policy with investment. You have access to investment funds to help you realize the highest returns possible. You decide where to put your funds for your protection and investment objectives. The face amount and death benefit may vary based on how the investment portion performs.This shows variable universal life as an http://insurance-philippines.blogspot.com/2008/01/variable-universal-life-insurance-for.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-812010139590784310Wed, 09 Jan 2008 12:32:00 +00002008-03-18T08:50:20.004+08:00manulife philippinesThe 11th Asia Insurance Industry Awards gave Manulife Financial Asia the title Life Insurance Company of the Year. Below is the complete write up found at the Asia Insurance Review web site.Life Insurance Company of the YearManulife Financial AsiaThe life insurer scored top marks for its continuing commitment to professionalism, excellent customer service and innovation with first-to-market http://insurance-philippines.blogspot.com/2008/01/manulife-named-life-insurance-company.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-8735106100216941745Sat, 05 Jan 2008 14:39:00 +00002008-01-26T17:17:36.150+08:00whole life insuranceThe answer is yes. Dividend-paying whole life insurance comes with almost all whole life policies now. Dividends come from the amount insurance companies earn from their participating - par - policies. These are not guaranteed. But you can withdraw the dividends every year or leave them to add up. Withdrawing dividends is not the same as cashing whole life insurance policy. A whole life policy http://insurance-philippines.blogspot.com/2008/01/is-there-dividend-paying-whole-life.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-8700088510875383501Thu, 03 Jan 2008 21:19:00 +00002008-01-05T13:19:33.982+08:00estate planningWhat happens to an estate upon death? That's a question an estate owner should ask. Any person who has an asset or property is an estate owner. The asset or property forms part of the estate upon death. The estate is transferred to your heirs through a will or intestate laws.But that is not as simple as it is. Your heirs have a silent partner. Before they get their share of the estate, something http://insurance-philippines.blogspot.com/2008/01/what-happens-to-estate-upon-death.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-5599999862919020799Wed, 02 Jan 2008 11:35:00 +00002008-01-03T18:05:53.768+08:00travel insuranceTravel insurance Philippines?The Philippines is one of the great treasures of Southeast Asia. It is the second largest archipelago in the world with more than 7,000 tropical islands. Adventure seekers are thrilled by the fantastic landscape of the islands and the diverse marine life below sea level. The Philippines boasts some of the world’s best diving and snorkeling spots. Natural corals and http://insurance-philippines.blogspot.com/2008/01/travel-insurance-philippines.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-226144885526713537Mon, 31 Dec 2007 14:26:00 +00002007-12-31T22:27:57.708+08:00disability insuranceAccident or illness often causes disability. These are unexpected most of the time. They just strike without warning. When they do, more people are caught unprepared. Disability renders a person incapable of earning income. So how much disability insurance to get? That is relative...What is the purpose of the insurance? One main concern is the high cost of medical treatment. Your family can use http://insurance-philippines.blogspot.com/2007/12/how-much-disability-insurance-to-get.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-7306040922030030294Sun, 30 Dec 2007 16:38:00 +00002008-07-26T16:38:32.120+08:00health plansCancer is a critical disease, along with heart attack, stroke, major organ transplant or other major diseases. More people suffering from such disease recover due to medical advancement. They just have to undergo treatments. So how to pay for cancer treatments without insurance? Pay from your current income. Treatments are in stages so you can get your payment from your income. This assumes thathttp://insurance-philippines.blogspot.com/2007/12/how-to-pay-for-cancer-treatments.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-8852971839859524989Thu, 27 Dec 2007 13:55:00 +00002008-01-11T00:02:58.704+08:00types of policiesKnowing how to start an endowment fund will help you plan the future of your heirs. You can set up the fund as inheritance. Your heirs will get the fund upon endowment. You will be giving a legacy long after you are gone.An endowment fund is good for college education of a child, starting a business or cash to leave to your heirs. You are not sure what they would like to have. Creating an http://insurance-philippines.blogspot.com/2007/12/how-to-start-endowment-fund.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-3614712142173263760Sat, 22 Dec 2007 17:29:00 +00002007-12-27T22:16:39.422+08:00why life insurance?Getting the amount of daily household expense requires a bit of calculation. People usually give me their average monthly living expenses. I’m sure that’s the same for you, too. You can give your monthly budget in a snap especially if you are living on single income. That means your family lives on one income alone. The sole earner provides for all the needs of your household. You know when and http://insurance-philippines.blogspot.com/2007/12/is-your-daily-household-expense.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-477678124934899783Tue, 18 Dec 2007 14:35:00 +00002008-01-18T10:21:12.643+08:00estate planningLife insurance and estate tax planning are good tools to protect your assets and properties. Your assets allow you and your family to live the kind of life you are living right now. Planning for the estate tax helps you pass your assets - part of your estate upon death - to your heirs instead of to the government.Without planning, the government can get more than 20% of your total estate through http://insurance-philippines.blogspot.com/2007/12/life-insurance-and-estate-tax-planning.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-6954672933849294170Wed, 28 Nov 2007 12:56:00 +00002008-01-01T15:08:40.686+08:00peso dollar rateLet me digress from the usual topic of this blog to say about something important in the Philippines - the peso dollar exchange rate. Most Overseas Filipino Workers, if not all, send money to the Philippines. The dollar to peso exchange rate is a serious concern now. The peso has gained against the US dollar. Or the dollar has become "cheaper".This means that the fixed dollar remittance has now http://insurance-philippines.blogspot.com/2007/11/peso-dollar-exchange-rate-is-hurting.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-5294529344973918457Tue, 27 Nov 2007 11:01:00 +00002007-12-18T23:28:35.063+08:00estate planningEstate planning made ez? The subject is not that that easy per se. But we can make it simple. Being clear about who gets what of your estate almost gets the job done. And knowing the objectives of estate planning helps you further.I’m sure you would like your heirs and family to enjoy the fruits of what you have built over time. You want them to have enough income to sustain their lifestyle. Yourhttp://insurance-philippines.blogspot.com/2007/11/estate-planning-made-ez.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-2477954556834448341Thu, 22 Nov 2007 06:16:00 +00002007-11-22T17:54:37.025+08:00estate planningAny person with property has an estate. The property can be either of 4 types - personal, real, business interest or even life insurance. And estate planning is the process of managing the transfer of properties during one's lifetime or death.So what are the objectives of estate planning? The objectives go with the agenda. Estate planning seeks to...- take inventory of properties - discuss how http://insurance-philippines.blogspot.com/2007/11/what-are-objectives-of-estate-planning.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-8552475647011001671Tue, 20 Nov 2007 11:28:00 +00002007-12-27T22:22:44.411+08:00money for retirementEveryone retires. That is one thing certain to happen in life. How much money is required to retire depends on your...- age- current expenses or cost of living- retirement age and- how long you see yourself living after retirementYour age affects the amount you are willing to save regularly. The younger you are, the longer you will save for your retirement, and the lower amount you will shell outhttp://insurance-philippines.blogspot.com/2007/11/how-much-money-is-required-to-retire.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-6562742113181887295Mon, 19 Nov 2007 10:58:00 +00002007-11-21T08:14:04.370+08:00unique gifts for kidsAre you looking for unique Christmas gifts for kids? Consider this story...We are three in the family. My father died of an illness. He was 39. I was eight months old, my second brother less than 2 years old, and my eldest brother 8 years old. My mother became also a father the day my dad died. Or at least the dual role she has played began that day.With sheer gut and determination she http://insurance-philippines.blogspot.com/2007/11/unique-christmas-gifts-for-kids.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-228519564785901894Mon, 19 Nov 2007 00:20:00 +00002007-11-26T20:30:50.176+08:00why life insurance?The Glorietta bomb blast happened at an unexpected time. My friend had just eaten lunch. She was at the CR when the explosion shook the mall. The sound of the blast ripped through the noontime noise. Her friend pounded on the door and shouted they should go out fast! They ran in panic, leaving their jeans unzipped.It was their lucky day. They should have been at the place of the blast if not for http://insurance-philippines.blogspot.com/2007/11/glorietta-bomb-blast-and-perils-of-life.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-2820805824678574605Fri, 16 Nov 2007 16:57:00 +00002008-01-01T15:10:17.673+08:00health plansKnowing the types of health insurance plans in the Philippines helps you choose the right plan for you and your family. These plans provide benefits in case of sickness or disability. They shoulder medical expenses due to illness, injury or preventive care.Philhealth. This is the government health plan for workers in public and private sector. Membership is required. It is voluntary for http://insurance-philippines.blogspot.com/2007/11/health-insurance-plans-in-philippines.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-2902742291324303506Tue, 13 Nov 2007 17:34:00 +00002013-04-26T12:13:42.989+08:00contact meUpdate: I am no longer an insurance agent and am not in any representing Manulife. However, I can refer you to my agent friends for your insurance needs. Are you looking for a life insurance agent and financial adviser? You have found one. I can help you provide solutions to your financial needs and priorities. Or someone you know because almost everybody needs insurance and financial planning. http://insurance-philippines.blogspot.com/2007/11/my-services-as-life-insurance-agent.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-4990008619467271971Sun, 11 Nov 2007 16:28:00 +00002013-04-26T12:16:11.264+08:00about meUpdate: I am no longer an insurance agent and am not in any representing Manulife. However, I can refer you to my agent friends for your insurance needs. As a life insurance agent, I help emerging wealth individuals and couples, established families and growing businesses protect what they have built over time. I help clients provide for their family, fund a college education, retire early, and http://insurance-philippines.blogspot.com/2007/11/life-insurance-agent-to-next-level.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-3416097120437965237Sun, 11 Nov 2007 05:40:00 +00002008-09-04T14:03:11.018+08:00why life insurance?One of the good things that can secure your family's future is life insurance. Why is it important? I'll answer that with a question. What if you are suddenly taken out of the picture? Life is full of uncertainties. No matter what you do for a living, you never know what happens tomorrow.Almost all people need life insurance. Either we do not have enough or we have no coverage yet. Why should we http://insurance-philippines.blogspot.com/2007/11/life-insurance-why-is-it-important.htmlnoreply@blogger.com (Dom Tuvera)1tag:blogger.com,1999:blog-6239519515314018829.post-360625215196601038Sat, 10 Nov 2007 11:22:00 +00002007-12-27T22:20:29.783+08:00education plansKnowing the importance of saving money for college expenses puts you in the right direction. You are helping achieve your child’s dreams. In the Philippines and elsewhere, education plays a key role in the life of a person. And as a parent, you want the best college education for your child.There are many educational plans out there and the right plan for your child needs thinking. Commit to a http://insurance-philippines.blogspot.com/2007/11/importance-of-saving-money-for-college.htmlnoreply@blogger.com (Dom Tuvera)0tag:blogger.com,1999:blog-6239519515314018829.post-1838404729126476729Thu, 08 Nov 2007 11:13:00 +00002007-11-10T23:16:18.706+08:00types of policieswhole life insuranceI wrote about the types of insurance polices here. Now it's term versus whole life insurance. Term provides insurance coverage for a term period. Whole life provides coverage for a lifetime or until age 100.Term is much cheaper because it provides insurance protection only. It pays death benefit only if death should occur during the term period. You get nothing after the term. It can be renewed http://insurance-philippines.blogspot.com/2007/11/term-versus-whole-life-insurance-in.htmlnoreply@blogger.com (Dom Tuvera)0