Your Pru Mom - Mabel Punzalan - Licensed Financial Advisor

𝗕𝗮𝗸𝗶𝘁 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗻𝗴 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? 💡

✅ Walang budget or limited lang yung income - mas kailangan mo ng insurance, since konti lang din yung fund for unexpected situations and bigger medical expenses.

✅ Additional Expense - Yes it is, but in a long run it's an asset. Insurance is a necessity, it should be included in your monthly fixed expenses. Ito lang yung expense na may balik sayo later on.

✅ Healthy naman ako - Check your lifestyle today, and family health history, what are the chances of you getting sick 10 to 15 years from now?

✅ Di naman totoo yan - Successful claims will speak for themselves. Let me know kung gusto mong kwentuhan kita.

Me: Sir, ang ganda ng car mo, top of the line ah!

Sir: Oo, 18K monthly binbayad ko (amortization)

Me: Im sure insured ang new car mo boss. 🙂

Sir: Ay oo naman, required yan pag kumuha ka ng brand new car sa casa.

Me: ah, ganun po ba? kumuha ka din insurance nyan? para saan daw po yun?

Sir: Oo, para kung ano man, mangyari, magasgasan o maaksidente eh may sasalo ng gastos. Mahirap na, buti na yung ready tayo.

Me: Maganda nga yan sir, eh Ikaw ba Sir, insured ka din ba? paano kung ikaw o ang family mo ang sakay sa maganda mong car sa oras na hindi inaasahan? May sasalo din ba ng gastos para sa iyo?

Sir: “Ang lakas lakas ko pa pinapatay mo na ako.”

Me: Para saan po ba ang seatbelt, airbag at spare tire ng sasakyan? Nilagay yang mga yan dahil alam ng designer na hindi natin masasabi kung kailan tayo mapapahamak, tama po ba sir?

Sir: (Natulala at napaisip na lang)

Friends, kung yun ngang kotse natin na wala namang financial responsibility para sa atin pag nawala tayo o magkaron ng hindi inaasahang pangyayari sa atin eh insured, bakit tayo na breadwinner ay hindi?🤔

ccto

𝐒𝐄𝐄𝐍. 𝐌𝐔𝐓𝐄𝐃. 𝐈𝐆𝐍𝐎𝐑𝐄𝐃. 𝐔𝐍𝐅𝐎𝐋𝐋𝐎𝐖𝐄𝐃. 𝐁𝐋𝐎𝐂𝐊𝐄𝐃.

Instead of thinking “𝐛𝐞𝐛𝐞𝐧𝐭𝐚𝐡𝐚𝐧 𝐧𝐚 𝐧𝐚𝐦𝐚𝐧 𝐚𝐤𝐨 𝐧𝐢𝐭𝐨“ everytime we are trying to reach out, be happy because it means, 𝐈𝐍𝐒𝐔𝐑𝐀𝐁𝐋𝐄 ka pa. It means you are 𝐀𝐋𝐈𝐕𝐄, 𝐇𝐄𝐀𝐋𝐓𝐇𝐘 and 𝐀𝐁𝐋𝐄. 🙏🏻🙏🏻🙏🏻

It's a race against 𝐃𝐄𝐀𝐓𝐇, 𝐈𝐋𝐋𝐍𝐄𝐒𝐒, 𝐃𝐈𝐒𝐀𝐁𝐈𝐋𝐈𝐓𝐘 or 𝐀𝐂𝐂𝐈𝐃𝐄𝐍𝐓 Inuunahan namin sila.

No worries friends, hindi ko kayo susukuan! 💪🔥

Send me a message for free quotation and financial planning 📩

Mabel Punzalan
Licensed Financial Advisor
⭐⭐⭐

𝗗𝗢𝗡𝗘 𝗪𝗜𝗧𝗛 𝗢𝗨𝗥 𝗔𝗡𝗡𝗨𝗔𝗟 𝗖𝗢𝗠𝗣𝗟𝗜𝗔𝗡𝗖𝗘 𝗥𝗘𝗙𝗥𝗘𝗦𝗛𝗘𝗥 𝗔𝗡𝗗 𝗔𝗡𝗧𝗜-𝗠𝗢𝗡𝗘𝗬 𝗟𝗔𝗨𝗡𝗗𝗘𝗥𝗜𝗡𝗚 𝗖𝗢𝗨𝗥𝗦𝗘 ✨

𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐧𝐠 𝐦𝐲 𝐜𝐥𝐢𝐞𝐧𝐭𝐬’ 𝐢𝐧𝐭𝐞𝐫𝐞𝐬𝐭 𝐢𝐬 𝐦𝐲 𝐍𝐨. 𝟏 𝐩𝐫𝐢𝐨𝐫𝐢𝐭𝐲. 💯

As a responsible Financial Advisor, it's my job to make sure that I am fully aware and compliant to the laws, guidelines and operation standards of the following:
✔️𝑰𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝑪𝒐𝒎𝒎𝒊𝒔𝒔𝒊𝒐𝒏
✔️𝑪𝒂𝒓𝒆𝒆𝒓 𝑨𝒈𝒆𝒏𝒕'𝒔 𝑴𝒂𝒔𝒕𝒆𝒓 𝑨𝒈𝒓𝒆𝒆𝒎𝒆𝒏𝒕 [𝑪𝑨𝑴𝑨]
✔️𝑨𝒏𝒕𝒊 𝑴𝒐𝒏𝒆𝒚 𝑳𝒂𝒖𝒏𝒅𝒆𝒓𝒊𝒏𝒈 𝑨𝒄𝒕 [𝑨𝑴𝑳𝑨]
✔️𝑫𝒂𝒕𝒂 𝑷𝒓𝒊𝒗𝒂𝒄𝒚 𝑨𝒄𝒕
✔️𝑨𝒏𝒕𝒊-𝑩𝒓𝒊𝒃𝒆𝒓𝒚 𝒂𝒏𝒅 𝑪𝒐𝒓𝒓𝒖𝒑𝒕𝒊𝒐𝒏 [𝑨𝑩𝑪]

_____________

Pru Life UK is the most compliant life insurance company in the Philippines to protect the interests of its stakeholders especially our clients.
Pru Life has consistently ranked #1 among all insurance companies in the Philippines in the ASEAN Corporate Governance Scorecard (ACGS), an industry evaluation benchmarked against international best practices in corporate governance.

MABEL PUNZALAN
LICENSED FINANCIAL ADVISOR
70132414

Some says.
"𝗡𝗘𝗫𝗧 𝗧𝗜𝗠𝗘 𝗡𝗔𝗟𝗔𝗡𝗚, 𝗗𝗔𝗠𝗜 𝗣𝗔 𝗚𝗔𝗦𝗧𝗢𝗦"

While others says.
"𝗦𝗔𝗡𝗔 𝗣𝗔𝗟𝗔 𝗡𝗔 𝗣𝗥𝗜𝗢𝗥𝗜𝗧𝗜𝗭𝗘𝗗 𝗞𝗢 𝗧𝗢 𝗕𝗘𝗙𝗢𝗥𝗘! 🥹"

𝘉𝘶𝘺 𝙇𝙄𝙁𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 𝘸𝘩𝘦𝘯 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵 𝘯𝘦𝘦𝘥 𝘪𝘵.
𝘊𝘰𝘻 𝘰𝘯𝘤𝘦 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥 𝘪𝘵, 𝙔𝙊𝙐 𝘾𝘼𝙉'𝙏 𝙂𝙀𝙏 𝙄𝙏.

You're not dealing with 𝗠𝗘, you're dealing with your 𝗧𝗜𝗠𝗘, your 𝗛𝗘𝗔𝗟𝗧𝗛, and your 𝗠𝗢𝗡𝗘𝗬.

Start yours today with me as your lifetime financial advisor! 💯

How saving/investing early can benefit you?

✅ Lower Premiums
✅ High Insurance Coverage
✅ High Investment Projection

The early you save, the better! Start investing today!
Send me a message for a FREE Quote and Financial Planning☺️

"When people say "𝗜 𝗱𝗼𝗻’𝘁 𝗯𝗲𝗹𝗶𝗲𝘃𝗲 𝗶𝗻 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲", it makes me think of something like;

✅ 𝘾𝙖𝙧𝙨 𝙝𝙖𝙫𝙚 𝙖𝙞𝙧 𝙗𝙖𝙜𝙨, 𝙖𝙣𝙙 𝙨𝙥𝙖𝙧𝙚 𝙩𝙞𝙧𝙚.
✅ 𝙃𝙤𝙪𝙨𝙚𝙨 𝙖𝙣𝙙 𝙗𝙪𝙞𝙡𝙙𝙞𝙣𝙜𝙨 𝙝𝙖𝙫𝙚 𝙛𝙞𝙧𝙚 𝙚𝙭𝙩𝙞𝙣𝙜𝙪𝙞𝙨𝙝𝙚𝙧𝙨.
✅ 𝙎𝙝𝙞𝙥𝙨 𝙖𝙣𝙙 𝙖𝙞𝙧𝙥𝙡𝙖𝙣𝙚𝙨 𝙝𝙖𝙫𝙚 𝙡𝙞𝙛𝙚 𝙟𝙖𝙘𝙠𝙚𝙩𝙨.

These are the things people 𝙗𝙪𝙮 𝙖𝙣𝙙 𝙥𝙧𝙚𝙥𝙖𝙧𝙚 just in case something bad happens. 𝙒𝙚 𝙟𝙪𝙨𝙩 𝙙𝙤𝙣'𝙩 𝙠𝙣𝙤𝙬 𝙒𝙃𝙀𝙉.

That's how Life Insurance works. You get 𝙇𝙄𝙁𝙀 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀 because you know that 𝙡𝙞𝙛𝙚 𝙞𝙨 𝙛𝙪𝙡𝙡 𝙤𝙛 𝙪𝙣𝙘𝙚𝙧𝙩𝙖𝙞𝙣𝙩𝙞𝙚𝙨.

If you're reading up to this part, it's never too late. 😊

Send me a message and let's discuss your options on how we can protect your most valuable asset - 𝙮𝙤𝙪𝙧 𝙇𝙄𝙁𝙀."

Mabel De Dios Punzalan
Licensed Financial Advisor | 𝑷𝑹𝑼 𝑳𝒊𝒇𝒆 𝑼𝑲

"NAWALAN AKO NG KASAMBAHAY DAHIL KAY PRU."

Naging habit ko magbasa ng comments related sa insurance & investment matters (as a marites hahaha) and I could say itong line na to nagcapture sakin.

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✅CAREER SHIFT IS OKAY.

✅HAVING MORE THAN ONE JOB IS HELPFUL.

✅BUILDING MULTIPLE SOURCE OF INCOME IS YOUR WAY TO FINANCIAL INDEPENDENCE.

Do things that will help your growth. It's never wrong to go out of your comfort zone and discover what you can do more. 🫶🏻

Be a part time Financial Advisor ❤️
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𝙃𝙀𝘼𝙇𝙏𝙃 𝘾𝘼𝙍𝘿 (𝙃𝙈𝙊) 𝙤𝙧 𝙑𝙐𝙇 𝙄𝙉𝙎𝙐𝙍𝘼𝙉𝘾𝙀??
There seems to be a lot of confusion when people talk about "health insurance."
Technically, may dalawa kasing types of health assistance.

1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare, etc.)
2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.
People often ask kung alin ba sa dalawa dapat 'yung meron tayo?

These are 2 different kinds of insurances that serve 2 different purposes.
✨ HEALTH CARD (HMO)
📌 Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.
📌 Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
📌 Ang HMO company na ang nagbabayad directly sa ospital ng bills, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness. Limited amount lang ang covered hanggang diagnosis lang.
📌 Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.
📌 The benefit is you don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

✨ LIFE INSURANCE WITH HEALTH BENEFITS
📌 Ang life insurance naman na may critical illness benefits, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.
📌 Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum.
📌 Pwede niyo siya gamitin pangdagdag for treatments, or to replace the income na mawawala sayo.
📌 Coverage is usually until age 70 or 100, and the amount can range from Php 500,000.00 to Php 15,000,000.00.. You'll get this in cash if you get diagnosed with a critical illness.
📌 The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

✨ WHICH ONE TO GET?
🚩 I believe that it's important to have BOTH. Yes, BOTH.
In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.
For health insurance, very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.
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Message me for free financial planning.😊

𝕎𝕒𝕟𝕥 𝕥𝕠 𝕤𝕥𝕒𝕣𝕥 𝕪𝕠𝕦𝕣 𝕆𝕔𝕥𝕠𝕓𝕖𝕣 𝕒𝕞𝕒𝕫𝕚𝕟𝕘? Looking for malaking kita or return ng investment mo kesa sa bank tapos insured ka pa?

Let's plan and start saving for your medium to long term goals, big purchases like dream house/car, kid's college fund, travel, and retirement while having a comprehensive income protection coverage from sickness, accident, disability and death. ☺️

Lakas maka-imortal ng salapi mo besh pag covered ka nitong pangmalakasang insuravest namin.

𝗣𝗢𝗪𝗘𝗥 𝗢𝗙 𝗣𝗥𝗨𝗟𝗜𝗙𝗘 𝗘𝗟𝗜𝗧𝗘 𝗣𝗟𝗔𝗡 🔥❤️🔥

Elite Policy Holder - ELITE 5
(Only 5years to Save)

Php 34,000 x 12months = Php 408,000
Php 408,000 x 5years = Php 2,040,000

Current Fund Value = Php 3,134,329.44
Plus MILLIONS of insurance coverage 😮

The Power of Investment 🧑‍💻💵

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