Ang Variable universal life (VUL) ay isang 2-in-1 product na may insurance at investment. Ito ay isang uri ng WHOLE LIFE INSURANCE (up to age 100) na may built-in savings component na pwedeng i-invest ang account value na inaasahang magbibigay ng mas mataas na return, at pwede din magwithdraw in case of need for cash.
Ano ang component ng VUL?
Protection: Guaranteed ang protection mo for life (as long as may account value) or for a certain period depende sa mapagdedesisyunan mong kuhanin.
Investment: Ang fund value ay iniinvest sa sub-accounts na katulad ng sa "Mutual Funds".
Click mo ang link na to para maintindihan mo ang mutual fund: https://payamannako.blogspot.com/2020/03/ang-mutual-fund.html
Ano ano ang types ng VUL?
Single-Pay (SPVUL) - ay combination ng life insurance at investment. From the word itself na single pay, isang beses ka lang maghuhulog. Ang insurance coverage mo ay 125% ng iyong account value. Mas mababa ang insurance coverage nya kaya mas malaki ang napupunta sa investment.
Ex: Insurance terms/coverage:
- 125% of your investment, (125,000*125% =156,250) or your investment value whichever is higher.
Insurance/Investment payout:
- If your P125,000 investment decreases in value becoming P50, 000, upon your death, your beneficiaries will receive the guaranteed amount of P156,250.
- If your P125, 000 invested doubles, becoming P250, 000 upon your death, your beneficiaries will receive P250, 000 instead of the P156,250 which we computed as insurance coverage.
Ano ang advantages ng VUL?
HIGH GROWTH POTENTIAL
Mas mataas ang potential ng growth for the long-term, ang funds ay managed ng experts kaya may tsansang mas tumaas ang account value ng policy mo. You may also receive addiditonal loyalty bonus that can increase your investment.
FLEXIBILITY TO YOUR INVESTMENT PLAN
May full control ka sa plan mo. For as low as Php 1,000, pwede mo i-increase ang investment mo anytime. Pwede ka din magswitch ng fund o magpalit ng fund allocations kung kelan mo gusto ng walang babayaran na charges.
LIQUIDITY
Pwede magwithdraw incase of financial need. Hindi ito policy loan kagaya ng sa traditional life insurance kaya wala itong interest charges.
ADDITIONAL COVERAGE
Pwedeng lagyan ng "Riders" para sa additional coverage kagaya ng Term Insurance, Critical Illness, Waiver, etc. (depende sa inooffer ng company at plan).
Ano pang ibang kailangan para makapag simula na?
i-Message lang ako or i-text sa 09102599003 at pwede tayong magkaron ng financial planning consultation para nakaplano ang Finances mo.
Pwede mo din ako imessage dito
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