basic riders (2)

0:00

S… Speaker 1 (basic riders (2))

Hello everyone!

0:01

S… Speaker 1 (basic riders (2))

Today we will talk about all basic riders.

0:04

S… Speaker 1 (basic riders (2))

Ibig sabihin ng rider,

0:07

S… Speaker 1 (basic riders (2))

ito yung mga different types of coverage na pwede natin

0:11

S… Speaker 1 (basic riders (2))

i -attach sa insurance policy natin kasi hindi

0:15

S… Speaker 1 (basic riders (2))

lahat ng mga coverages kailangan ilagay.

0:19

S… Speaker 1 (basic riders (2))

So we will learn more about ano yung mga different coverages

0:24

S… Speaker 1 (basic riders (2))

na pwede ilagay because savings and protection

0:28

S… Speaker 1 (basic riders (2))

Ito yung mga different types of riders that we have.

0:31

S… Speaker 1 (basic riders (2))

Para lang din mabilis natin maalala,

0:34

S… Speaker 1 (basic riders (2))

meron tayong demonic device na tinatawag na D -Watch.

0:37

S… Speaker 1 (basic riders (2))

D stands for disability.

0:39

S… Speaker 1 (basic riders (2))

W for waiver.

0:41

S… Speaker 1 (basic riders (2))

A is for accident.

0:43

S… Speaker 1 (basic riders (2))

T is for term.

0:45

S… Speaker 1 (basic riders (2))

C,

0:46

S… Speaker 1 (basic riders (2))

critical illness.

0:47

S… Speaker 1 (basic riders (2))

And H naman,

0:48

S… Speaker 1 (basic riders (2))

hospitalization.

0:49

S… Speaker 1 (basic riders (2))

So yan, mas malihinawan kayo later on.

0:53

S… Speaker 1 (basic riders (2))

Ano yung mga ibig sabihin yan?

0:55

S… Speaker 1 (basic riders (2))

So, when we talk about disability riders,

0:58

S… Speaker 1 (basic riders (2))

so ito yung ibig sabihin niya,

1:01

S… Speaker 1 (basic riders (2))

total and permanent disability,

1:03

S… Speaker 1 (basic riders (2))

so nakasulat dito na up to age 70 years old yung coverage

1:08

S… Speaker 1 (basic riders (2))

na yan.

1:08

S… Speaker 1 (basic riders (2))

So, it's a benefit that pays a lump sum cash benefit if

1:12

S… Speaker 1 (basic riders (2))

the insured becomes totally and permanently disabled due to bodily

1:16

S… Speaker 1 (basic riders (2))

injury or disease.

1:18

S… Speaker 2 (basic riders (2))

So,

1:19

S… Speaker 1 (basic riders (2))

pag sinasabi,

1:20

S… Speaker 1 (basic riders (2))

kinikwento ko sa client,

1:22

S… Speaker 1 (basic riders (2))

So, ang ibig sabihin ng client,

1:26

S… Speaker 1 (basic riders (2))

itong coverage na ito,

1:27

S… Speaker 1 (basic riders (2))

makukuha natin,

1:28

S… Speaker 1 (basic riders (2))

if continuous of 6 months,

1:30

S… Speaker 1 (basic riders (2))

we won't be able to go back to work because of illness or accident.

1:34

S… Speaker 1 (basic riders (2))

Ito din,

1:36

S… Speaker 1 (basic riders (2))

meron din tayo talaga,

1:38

S… Speaker 1 (basic riders (2))

activities of daily living,

1:40

S… Speaker 1 (basic riders (2))

anim, feeding,

1:42

S… Speaker 1 (basic riders (2))

mobility,

1:43

S… Speaker 1 (basic riders (2))

transferring,

1:44

S… Speaker 1 (basic riders (2))

continence,

1:45

S… Speaker 1 (basic riders (2))

bathing, dressing.

1:46

S… Speaker 2 (basic riders (2))

So,

1:47

S… Speaker 1 (basic riders (2))

kung tatlo sa anim na yan,

1:49

S… Speaker 1 (basic riders (2))

hindi na natin magagawa.

1:51

S… Speaker 1 (basic riders (2))

then it will be considered disabled as well.

1:55

S… Speaker 1 (basic riders (2))

Okay?

1:55

S… Speaker 1 (basic riders (2))

Ayan.

1:56

S… Speaker 2 (basic riders (2))

So,

1:57

S… Speaker 1 (basic riders (2))

ngayon, meron tayong two types of disability riders na tinatawag.

2:01

S… Speaker 1 (basic riders (2))

So, meron tayong accelerated total and permanent disability,

2:05

S… Speaker 1 (basic riders (2))

meaning kapag accelerated,

2:07

S… Speaker 1 (basic riders (2))

pukunin siya from the sum assured.

2:10

S… Speaker 2 (basic riders (2))

So,

2:11

S… Speaker 1 (basic riders (2))

i -accelerate yung claim from the sum assured para

2:15

S… Speaker 1 (basic riders (2))

pag nakuha natin siya,

2:16

S… Speaker 1 (basic riders (2))

mababawasan yung sum assured.

2:18

S… Speaker 1 (basic riders (2))

Yan.

2:19

S… Speaker 1 (basic riders (2))

Pag tinatawag naman non -accelerated,

2:21

S… Speaker 1 (basic riders (2))

meaning hindi gagalawin yung sum -assured.

2:24

S… Speaker 1 (basic riders (2))

Pag na -claim ito,

2:25

S… Speaker 1 (basic riders (2))

the sum -assured stays intact.

2:28

S… Speaker 2 (basic riders (2))

Yan.

2:28

S… Speaker 1 (basic riders (2))

So, disability riders benefit is a lump sum cash benefit

2:33

S… Speaker 1 (basic riders (2))

if the insured becomes total impairment disabled due to body injury or disease.

2:37

S… Speaker 1 (basic riders (2))

So, what is total and permanent disability?

2:39

S… Speaker 1 (basic riders (2))

So,

2:40

S… Speaker 1 (basic riders (2))

if the life insured is working at the time of disablement,

2:44

S… Speaker 1 (basic riders (2))

disability is considered total and permanent if

2:48

S… Speaker 1 (basic riders (2))

the life insured is prevented from engaging in any occupation

2:52

S… Speaker 1 (basic riders (2))

or performing any work for compensation.

2:56

S… Speaker 1 (basic riders (2))

Yan, so hindi na tayo makabalik sa work because of sickness

3:00

S… Speaker 1 (basic riders (2))

or accident.

3:01

S… Speaker 2 (basic riders (2))

Yan,

3:02

S… Speaker 1 (basic riders (2))

tapos dapat daw continuously for 6 months

3:07

S… Speaker 1 (basic riders (2))

na consecutive of 6 months na nangyayari ito.

3:10

S… Speaker 1 (basic riders (2))

So, kung narin 3 months lang na disabled,

3:13

S… Speaker 1 (basic riders (2))

hindi pa siya makakapag -claim.

3:14

S… Speaker 2 (basic riders (2))

Okay,

3:15

S… Speaker 1 (basic riders (2))

so dapat tuloy -tuloy na 6 months.

3:19

S… Speaker 1 (basic riders (2))

And then,

3:20

S… Speaker 1 (basic riders (2))

ito nga yung ibig ko sabihin,

3:22

S… Speaker 1 (basic riders (2))

pag accelerated total impairment disability,

3:24

S… Speaker 1 (basic riders (2))

it forms part of the sum assured.

3:27

S… Speaker 2 (basic riders (2))

So,

3:28

S… Speaker 1 (basic riders (2))

pag na -claim siya,

3:29

S… Speaker 1 (basic riders (2))

mababawasan yung sum assured.

3:31

S… Speaker 2 (basic riders (2))

So,

3:31

S… Speaker 1 (basic riders (2))

issue age na ito,

3:32

S… Speaker 1 (basic riders (2))

5 years old to 65 and then the benefit will expire

3:37

S… Speaker 1 (basic riders (2))

at 70 years old.

3:38

S… Speaker 3 (basic riders (2))

Minimum,

3:39

S… Speaker 1 (basic riders (2))

ito kasi tinatawag natin core benefit.

3:41

S… Speaker 1 (basic riders (2))

Ibig sabihin,

3:42

S… Speaker 1 (basic riders (2))

pag core benefit,

3:43

S… Speaker 1 (basic riders (2))

hindi pwedeng i -remove.

3:46

S… Speaker 1 (basic riders (2))

Okay, so minimum 60 ,000 for mga regular plans natin.

3:50

S… Speaker 1 (basic riders (2))

Actually, 100 ,000 na inakit na pala recently.

3:53

S… Speaker 1 (basic riders (2))

Ayan,

3:54

S… Speaker 1 (basic riders (2))

then 180 for mga elite plans.

3:56

S… Speaker 1 (basic riders (2))

Maximum sum assured,

3:58

S… Speaker 1 (basic riders (2))

100%.

3:59

S… Speaker 2 (basic riders (2))

So,

4:00

S… Speaker 1 (basic riders (2))

kunwari SA mo,

4:01

S… Speaker 1 (basic riders (2))

sum assured mo nasa 1 million.

4:03

S… Speaker 1 (basic riders (2))

Okay,

4:04

S… Speaker 1 (basic riders (2))

maximum that you can put for accelerated total

4:08

S… Speaker 1 (basic riders (2))

permanent disability is also 1 million.

4:11

S… Speaker 2 (basic riders (2))

Okay?

4:13

S… Speaker 2 (basic riders (2))

Yan.

4:13

S… Speaker 1 (basic riders (2))

So, just to give you an illustration.

4:16

S… Speaker 2 (basic riders (2))

So,

4:17

S… Speaker 1 (basic riders (2))

kunari, meron ka,

4:18

S… Speaker 1 (basic riders (2))

sum assured mo,

4:19

S… Speaker 1 (basic riders (2))

1 million.

4:20

S… Speaker 1 (basic riders (2))

Total impairment disability or TPD is at

4:24

S… Speaker 1 (basic riders (2))

500 ,000.

4:25

S… Speaker 2 (basic riders (2))

So,

4:26

S… Speaker 1 (basic riders (2))

if maklaim,

4:27

S… Speaker 1 (basic riders (2))

maklaim mo yung 500 ,000,

4:30

S… Speaker 1 (basic riders (2))

your sum assured will now be 500 ,000

4:34

S… Speaker 1 (basic riders (2))

na lang.

4:34

S… Speaker 1 (basic riders (2))

Kasi nga,

4:36

S… Speaker 1 (basic riders (2))

ano siya,

4:37

S… Speaker 1 (basic riders (2))

in advance mo.

4:38

S… Speaker 1 (basic riders (2))

Yung pagklaim noon.

4:40

S… Speaker 1 (basic riders (2))

Yan.

4:40

S… Speaker 1 (basic riders (2))

So, paano kung same sila ng amount?

4:44

S… Speaker 1 (basic riders (2))

So, 1 million si Sam Assured,

4:46

S… Speaker 1 (basic riders (2))

1 million din si TPD.

4:48

S… Speaker 2 (basic riders (2))

Okay.

4:49

S… Speaker 1 (basic riders (2))

So, pag na -claim yung TPD ng 1 million,

4:52

S… Speaker 1 (basic riders (2))

wala na rin yung Sam Assured.

4:55

S… Speaker 1 (basic riders (2))

Policy will now be terminated kasi wala ng Sam Assured.

4:58

S… Speaker 2 (basic riders (2))

So,

4:59

S… Speaker 1 (basic riders (2))

kaya...

5:00

S… Speaker 1 (basic riders (2))

din, better if we design the plan,

5:02

S… Speaker 1 (basic riders (2))

mas mataas si some assured amount than the TPD.

5:05

S… Speaker 1 (basic riders (2))

Para if ever man maklaim yung TPD,

5:09

S… Speaker 1 (basic riders (2))

meron pa rin,

5:10

S… Speaker 1 (basic riders (2))

in force pa rin yung policy.

5:12

S… Speaker 1 (basic riders (2))

May matitira pa rin kasi sa sum assured.

5:14

S… Speaker 1 (basic riders (2))

Kasi di ba may other coverages pa naman eh?

5:17

S… Speaker 1 (basic riders (2))

Paano kung na -accident pa si client or na -hospital?

5:21

S… Speaker 1 (basic riders (2))

At least,

5:22

S… Speaker 1 (basic riders (2))

magagamit pa rin yung other coverages niya.

5:25

S… Speaker 2 (basic riders (2))

Okay?

5:25

S… Speaker 4 (basic riders (2))

Ayan.

5:26

S… Speaker 1 (basic riders (2))

So, ito just to give you an example ng real claim

5:31

S… Speaker 1 (basic riders (2))

story natin sa branch.

5:32

S… Speaker 2 (basic riders (2))

So,

5:33

S… Speaker 1 (basic riders (2))

si UMMJ,

5:34

S… Speaker 1 (basic riders (2))

Nagkaroon siya ng benefit claim for total permanent disability for her

5:38

S… Speaker 1 (basic riders (2))

client na nagkaroon ng nasoparyngeal cancer

5:43

S… Speaker 1 (basic riders (2))

stage 3B.

5:44

S… Speaker 1 (basic riders (2))

Kasi matagal nang hindi nakakabalik sa trabaho.

5:47

S… Speaker 1 (basic riders (2))

Nakapag -claim ng 1 million plus.

5:50

S… Speaker 1 (basic riders (2))

33 years old lang ito.

5:52

S… Speaker 1 (basic riders (2))

Akalain natin pang matanda lang ang pagkakasakit.

5:57

S… Speaker 1 (basic riders (2))

Hindi.

5:57

S… Speaker 1 (basic riders (2))

Ano maganda dito?

6:00

S… Speaker 1 (basic riders (2))

Diba 24 ,000 lang yung kanyang plan?

6:04

S… Speaker 1 (basic riders (2))

Tapos,

6:04

S… Speaker 1 (basic riders (2))

it was issued 2021.

6:06

S… Speaker 1 (basic riders (2))

Di ba wala pang 100 ,000 yung nabayaran niya?

6:10

S… Speaker 1 (basic riders (2))

Tapos,

6:11

S… Speaker 1 (basic riders (2))

yun,

6:12

S… Speaker 1 (basic riders (2))

kasi 4 years pa lang yung plan.

6:15

S… Speaker 5 (basic riders (2))

But,

6:16

S… Speaker 1 (basic riders (2))

the client was able to claim 1 million.

6:19

S… Speaker 1 (basic riders (2))

Actually,

6:20

S… Speaker 1 (basic riders (2))

just a backstory lang.

6:23

S… Speaker 1 (basic riders (2))

Itong 1 million,

6:24

S… Speaker 1 (basic riders (2))

on top pa ito sa nakuha ni client for critical

6:28

S… Speaker 1 (basic riders (2))

illness.

6:29

S… Speaker 1 (basic riders (2))

Kasi before that,

6:30

S… Speaker 1 (basic riders (2))

nag -claim siya nung na -diagnose siya with cancer.

6:34

S… Speaker 1 (basic riders (2))

Nakapag -claim na rin siya ng around 1 million din.

6:37

S… Speaker 5 (basic riders (2))

Tapos ngayon,

6:39

S… Speaker 1 (basic riders (2))

after 6 months,

6:40

S… Speaker 1 (basic riders (2))

hindi pa rin siya nakabalik sa work.

6:42

S… Speaker 1 (basic riders (2))

Nag -file ulit ng claim naman for disability.

6:45

S… Speaker 1 (basic riders (2))

So you see how really insurance works.

6:50

S… Speaker 1 (basic riders (2))

Pag when the times of emergency arises,

6:53

S… Speaker 1 (basic riders (2))

dyan talaga tayo matutulungan.

6:55

S… Speaker 1 (basic riders (2))

So ito naman,

6:57

S… Speaker 1 (basic riders (2))

waiver riders.

6:59

S… Speaker 1 (basic riders (2))

Ano ibig sabihin ng waiver?

7:00

S… Speaker 1 (basic riders (2))

We have three types of waivers.

7:03

S… Speaker 2 (basic riders (2))

So,

7:04

S… Speaker 1 (basic riders (2))

just in case lang,

7:05

S… Speaker 1 (basic riders (2))

yung ma -disable,

7:08

S… Speaker 5 (basic riders (2))

paano yun?

7:09

S… Speaker 1 (basic riders (2))

Yung premiums ko,

7:11

S… Speaker 1 (basic riders (2))

kailangan ko pa rin ba magbayad?

7:12

S… Speaker 2 (basic riders (2))

So,

7:13

S… Speaker 1 (basic riders (2))

pag may ganitong rider,

7:14

S… Speaker 1 (basic riders (2))

hindi na kailangan kasi may waiver of premium on total

7:18

S… Speaker 1 (basic riders (2))

and permanent disability.

7:19

S… Speaker 2 (basic riders (2))

So,

7:20

S… Speaker 1 (basic riders (2))

meaning, pag ma -total and permanent disability,

7:23

S… Speaker 1 (basic riders (2))

yung premium,

7:25

S… Speaker 1 (basic riders (2))

future premiums will now be waived.

7:27

S… Speaker 1 (basic riders (2))

Ang payer waiver naman,

7:29

S… Speaker 1 (basic riders (2))

ang benefit neto kasi paminsan,

7:32

S… Speaker 1 (basic riders (2))

ang design ng plan natin,

7:33

S… Speaker 1 (basic riders (2))

different yung policy owner at yung policy insured.

7:37

S… Speaker 2 (basic riders (2))

So,

7:38

S… Speaker 1 (basic riders (2))

if ever madisable or mamatay yung payer nung

7:42

S… Speaker 1 (basic riders (2))

plan, then yung premiums nun,

7:46

S… Speaker 1 (basic riders (2))

si pro -life na rin magtutuloy -tuloy.

7:48

S… Speaker 1 (basic riders (2))

Yan naman ang payer waiver.

7:50

S… Speaker 1 (basic riders (2))

Ang life care waiver,

7:52

S… Speaker 1 (basic riders (2))

if in case ma -diagnosed with critical illness,

7:56

S… Speaker 1 (basic riders (2))

Okay, then,

7:56

S… Speaker 1 (basic riders (2))

si Puro Life na rin magtutuloy -tuloy maghulog ng premiums.

8:00

S… Speaker 1 (basic riders (2))

So, your coverage,

8:01

S… Speaker 1 (basic riders (2))

your investment will stay intact.

8:04

S… Speaker 1 (basic riders (2))

It's like you're the one paying.

8:06

S… Speaker 1 (basic riders (2))

The client is the one paying.

8:08

S… Speaker 2 (basic riders (2))

Okay,

8:09

S… Speaker 1 (basic riders (2))

ayan.

8:10

S… Speaker 1 (basic riders (2))

So, waiver on premium on total and permanent disability.

8:13

S… Speaker 1 (basic riders (2))

So,

8:14

S… Speaker 1 (basic riders (2))

yun na nga yung definition,

8:15

S… Speaker 1 (basic riders (2))

no? A rider that waives subsequent premiums if the life insured becomes

8:20

S… Speaker 1 (basic riders (2))

total and permanently disabled.

8:23

S… Speaker 1 (basic riders (2))

Okay, tapos pro -life will shoulder the full premium during the

8:27

S… Speaker 1 (basic riders (2))

period until the benefit expiration

8:31

S… Speaker 1 (basic riders (2))

or until premium term is over,

8:34

S… Speaker 1 (basic riders (2))

whichever comes first.

8:35

S… Speaker 2 (basic riders (2))

Okay,

8:35

S… Speaker 1 (basic riders (2))

kasi paminsan kung 15 years lang yung plan na

8:40

S… Speaker 1 (basic riders (2))

payment terms,

8:42

S… Speaker 1 (basic riders (2))

then hanggang 15 years lang huhulugan din yung pro -life.

8:45

S… Speaker 1 (basic riders (2))

Okay, pero if until age 100,

8:47

S… Speaker 1 (basic riders (2))

okay din.

8:49

S… Speaker 1 (basic riders (2))

up until benefit expiration,

8:51

S… Speaker 1 (basic riders (2))

which is 60 years old.

8:53

S… Speaker 2 (basic riders (2))

Okay?

8:53

S… Speaker 1 (basic riders (2))

So, dito pinapakita,

8:55

S… Speaker 1 (basic riders (2))

no? Issue age neto is 18 up

8:59

S… Speaker 1 (basic riders (2))

to 59.

9:00

S… Speaker 4 (basic riders (2))

Then,

9:01

S… Speaker 1 (basic riders (2))

the benefit will expire up to 60 years old.

9:04

S… Speaker 2 (basic riders (2))

Yan.

9:05

S… Speaker 1 (basic riders (2))

So, ano ng payer waiver?

9:07

S… Speaker 1 (basic riders (2))

Diba?

9:07

S… Speaker 1 (basic riders (2))

As I've mentioned,

9:08

S… Speaker 1 (basic riders (2))

diba?

9:09

S… Speaker 1 (basic riders (2))

Normally, this is attached.

9:11

S… Speaker 1 (basic riders (2))

if magkaiba yung policy owner at yung

9:15

S… Speaker 1 (basic riders (2))

insured.

9:16

S… Speaker 2 (basic riders (2))

Okay?

9:17

S… Speaker 1 (basic riders (2))

Normally,

9:18

S… Speaker 1 (basic riders (2))

for juvenile policies,

9:19

S… Speaker 1 (basic riders (2))

kasi nga,

9:20

S… Speaker 1 (basic riders (2))

minor yung insured,

9:22

S… Speaker 1 (basic riders (2))

tapos yung parent,

9:23

S… Speaker 1 (basic riders (2))

yung parent or the grandparent can be the policy

9:28

S… Speaker 1 (basic riders (2))

owner.

9:28

S… Speaker 2 (basic riders (2))

So,

9:29

S… Speaker 1 (basic riders (2))

it will waive subsequent premiums if the

9:33

S… Speaker 1 (basic riders (2))

policy owner or pay your dice.

9:36

S… Speaker 1 (basic riders (2))

Or become totally and permanently disabled.

9:39

S… Speaker 1 (basic riders (2))

Or suffer complete and irrevocable loss of sight of

9:43

S… Speaker 1 (basic riders (2))

both eyes.

9:44

S… Speaker 1 (basic riders (2))

Kasi considered disabled na siya.

9:45

S… Speaker 1 (basic riders (2))

Or suffers totally and permanent loss by removal

9:50

S… Speaker 1 (basic riders (2))

or disease of both hands or both feet.

9:53

S… Speaker 1 (basic riders (2))

Kasi considered magiging total permanent disabled

9:57

S… Speaker 1 (basic riders (2))

na siya kapag ganyan.

9:58

S… Speaker 2 (basic riders (2))

Yun.

10:00

S… Speaker 1 (basic riders (2))

Yan, tapos ngayon naman,

10:01

S… Speaker 1 (basic riders (2))

yung rider limitations neto,

10:04

S… Speaker 1 (basic riders (2))

kasi nga usually for juvenile lang siya pwede ilalagay talaga.

10:08

S… Speaker 2 (basic riders (2))

So,

10:09

S… Speaker 1 (basic riders (2))

eto siya,

10:10

S… Speaker 1 (basic riders (2))

pwede siya i -issue pag 0 to 17

10:14

S… Speaker 1 (basic riders (2))

years old.

10:15

S… Speaker 1 (basic riders (2))

And then,

10:16

S… Speaker 1 (basic riders (2))

issue age up 18 to 59 ng

10:21

S… Speaker 2 (basic riders (2))

payer.

10:21

S… Speaker 2 (basic riders (2))

So,

10:22

S… Speaker 1 (basic riders (2))

kunari, yung payer,

10:23

S… Speaker 1 (basic riders (2))

60 years old na.

10:25

S… Speaker 1 (basic riders (2))

Kahit na juvenile pa,

10:27

S… Speaker 4 (basic riders (2))

yung...

10:29

S… Speaker 1 (basic riders (2))

policy insured,

10:30

S… Speaker 1 (basic riders (2))

hindi na pwedeng i -attach itong rider.

10:33

S… Speaker 2 (basic riders (2))

Okay?

10:34

S… Speaker 1 (basic riders (2))

Yan.

10:34

S… Speaker 1 (basic riders (2))

Tapos,

10:35

S… Speaker 1 (basic riders (2))

mag -expire siya if mag -25 years

10:40

S… Speaker 1 (basic riders (2))

old na yung minor.

10:41

S… Speaker 2 (basic riders (2))

Okay?

10:43

S… Speaker 1 (basic riders (2))

Or mag -60 years old naman yung payer.

10:45

S… Speaker 1 (basic riders (2))

Whichever comes first.

10:47

S… Speaker 2 (basic riders (2))

Okay, yan.

10:48

S… Speaker 1 (basic riders (2))

So, life care waiver,

10:49

S… Speaker 1 (basic riders (2))

a rider that waives all future premiums if the injured is diagnosed to be suffering

10:54

S… Speaker 1 (basic riders (2))

from critical illness or has undergone surgery

10:58

S… Speaker 1 (basic riders (2))

in the case of critical illness requiring surgery.

11:02

S… Speaker 6 (basic riders (2))

Ayan.

11:03

S… Speaker 2 (basic riders (2))

So,

11:03

S… Speaker 1 (basic riders (2))

ProLife UK will shoulder full premium during the wait

11:07

S… Speaker 1 (basic riders (2))

period until the benefit expiration or until premium term

11:12

S… Speaker 1 (basic riders (2))

is over.

11:12

S… Speaker 2 (basic riders (2))

Ayan.

11:13

S… Speaker 1 (basic riders (2))

So, ito naman,

11:14

S… Speaker 1 (basic riders (2))

ma -waive yung future premiums if mag -diagnose

11:19

S… Speaker 1 (basic riders (2))

si client with critical illness.

11:24

S… Speaker 1 (basic riders (2))

Okay?

11:24

S… Speaker 1 (basic riders (2))

Yan.

11:25

S… Speaker 1 (basic riders (2))

So, issue age na ito,

11:27

S… Speaker 1 (basic riders (2))

18 to 54.

11:28

S… Speaker 1 (basic riders (2))

Yan.

11:28

S… Speaker 1 (basic riders (2))

So, mas maaga siya ng konti,

11:30

S… Speaker 1 (basic riders (2))

no? Pero it will expire up to age 70.

11:34

S… Speaker 2 (basic riders (2))

Ayan.

11:35

S… Speaker 2 (basic riders (2))

So,

11:37

S… Speaker 1 (basic riders (2))

riders, accident naman tayo,

11:39

S… Speaker 1 (basic riders (2))

di ba?

11:39

S… Speaker 1 (basic riders (2))

Meron na tayo.

11:40

S… Speaker 1 (basic riders (2))

Tapos na tayo sa D,

11:41

S… Speaker 1 (basic riders (2))

disability,

11:42

S… Speaker 1 (basic riders (2))

W,

11:44

S… Speaker 1 (basic riders (2))

waiver.

11:44

S… Speaker 1 (basic riders (2))

Ngayon naman,

11:45

S… Speaker 6 (basic riders (2))

accident.

11:46

S… Speaker 1 (basic riders (2))

Ayan.

11:47

S… Speaker 1 (basic riders (2))

So, accident rider,

11:49

S… Speaker 1 (basic riders (2))

So, ano yung accident rider naman?

11:52

S… Speaker 1 (basic riders (2))

A rider that pays a lump sum cash benefit separate

11:56

S… Speaker 1 (basic riders (2))

from basic sum as well.

11:58

S… Speaker 1 (basic riders (2))

In case of accidental death,

12:00

S… Speaker 1 (basic riders (2))

disability,

12:01

S… Speaker 1 (basic riders (2))

or dismemberment.

12:03

S… Speaker 2 (basic riders (2))

So,

12:04

S… Speaker 1 (basic riders (2))

ano yung mga types of riders that we have?

12:07

S… Speaker 1 (basic riders (2))

Meron tayong accidental death and disability,

12:10

S… Speaker 1 (basic riders (2))

disablement rider,

12:12

S… Speaker 1 (basic riders (2))

ADD.

12:13

S… Speaker 1 (basic riders (2))

Or meron din tayong tinitawag na personal accident or PA.

12:17

S… Speaker 1 (basic riders (2))

Para sa akin,

12:19

S… Speaker 1 (basic riders (2))

how I distinguish it,

12:20

S… Speaker 1 (basic riders (2))

basta yung ADD,

12:22

S… Speaker 1 (basic riders (2))

yan yung basic na accident coverage.

12:25

S… Speaker 1 (basic riders (2))

Yung PA naman,

12:26

S… Speaker 1 (basic riders (2))

yan yung mas comprehensive.

12:28

S… Speaker 1 (basic riders (2))

So mamaya,

12:30

S… Speaker 1 (basic riders (2))

malalaman nyo bakit siya mas comprehensive.

12:32

S… Speaker 1 (basic riders (2))

So meron siya mga different types of,

12:34

S… Speaker 1 (basic riders (2))

ano ba under PA,

12:36

S… Speaker 1 (basic riders (2))

meron pang different types may PA standard.

12:39

S… Speaker 1 (basic riders (2))

PA Executive,

12:40

S… Speaker 1 (basic riders (2))

PA Power,

12:41

S… Speaker 1 (basic riders (2))

at PA Junior,

12:42

S… Speaker 1 (basic riders (2))

which we will discuss then later.

12:43

S… Speaker 1 (basic riders (2))

Ang maximum accident benefit lang per life is

12:47

S… Speaker 1 (basic riders (2))

at 10 million.

12:49

S… Speaker 2 (basic riders (2))

So,

12:50

S… Speaker 1 (basic riders (2))

hindi na pwede kahit na magdagdag siya ang dami niyang plans.

12:53

S… Speaker 1 (basic riders (2))

Pag meron na siyang 10 million from yung previous niyang

12:57

S… Speaker 1 (basic riders (2))

plan, hindi na pwede magdagdag pa.

13:00

S… Speaker 2 (basic riders (2))

Okay?

13:01

S… Speaker 1 (basic riders (2))

Ayan.

13:02

S… Speaker 1 (basic riders (2))

So, ngayon,

13:03

S… Speaker 1 (basic riders (2))

ang ADD is part of the core benefit,

13:06

S… Speaker 1 (basic riders (2))

no? Kaya,

13:07

S… Speaker 1 (basic riders (2))

hindi nyo siya matatanggal.

13:09

S… Speaker 2 (basic riders (2))

Ayan.

13:10

S… Speaker 1 (basic riders (2))

So, if ever,

13:12

S… Speaker 1 (basic riders (2))

lalagyan ng personal accident,

13:14

S… Speaker 1 (basic riders (2))

gusto mo mas comprehensive na accident coverage,

13:17

S… Speaker 1 (basic riders (2))

then,

13:18

S… Speaker 1 (basic riders (2))

pwede mo lang siya ilagay at a minimum para malagyan

13:22

S… Speaker 1 (basic riders (2))

mo ng personal accident.

13:24

S… Speaker 1 (basic riders (2))

So,

13:25

S… Speaker 1 (basic riders (2))

ano yung ADD coverage natin?

13:28

S… Speaker 1 (basic riders (2))

Age of entry,

13:29

S… Speaker 1 (basic riders (2))

5 to 65 years old.

13:31

S… Speaker 1 (basic riders (2))

And then,

13:33

S… Speaker 1 (basic riders (2))

benefit term up to 70 years old.

13:36

S… Speaker 2 (basic riders (2))

So,

13:38

S… Speaker 1 (basic riders (2))

73 to dapat.

13:41

S… Speaker 1 (basic riders (2))

73 years old.

13:44

S… Speaker 1 (basic riders (2))

ADD benefit amount,

13:46

S… Speaker 1 (basic riders (2))

minimum 100 ,000 for PA.

13:49

S… Speaker 1 (basic riders (2))

Tapos,

13:51

S… Speaker 1 (basic riders (2))

250 ,000 for elite.

13:53

S… Speaker 1 (basic riders (2))

Tapos reminder lang for issue age 0 to 4 kasi nga

13:57

S… Speaker 1 (basic riders (2))

core benefit siya,

13:59

S… Speaker 1 (basic riders (2))

automatically maa -attouch siya pero magiging

14:04

S… Speaker 1 (basic riders (2))

ano lang siya,

14:05

S… Speaker 1 (basic riders (2))

ang tawag dito,

14:08

S… Speaker 1 (basic riders (2))

it will start to

14:12

S… Speaker 1 (basic riders (2))

cover if when the life in short turns 5.

14:17

S… Speaker 1 (basic riders (2))

Ayan.

14:17

S… Speaker 1 (basic riders (2))

So, if ADD summer short is put at a minimum,

14:20

S… Speaker 1 (basic riders (2))

no additional premium will be required for this age.

14:23

S… Speaker 1 (basic riders (2))

Then, for occupations,

14:24

S… Speaker 1 (basic riders (2))

ayan,

14:25

S… Speaker 1 (basic riders (2))

which currently do not allow ADD to be attached,

14:29

S… Speaker 1 (basic riders (2))

ADD will be limited to the minimum ADD.

14:32

S… Speaker 1 (basic riders (2))

sum assured at class 3.

14:34

S… Speaker 1 (basic riders (2))

Kasi may mga occupations din na hindi allowed

14:39

S… Speaker 1 (basic riders (2))

mag -attach ng rider na to.

14:41

S… Speaker 1 (basic riders (2))

Pero since part siya ng core,

14:43

S… Speaker 1 (basic riders (2))

ilalagay pa din,

14:45

S… Speaker 1 (basic riders (2))

kailangan pa rin lagyan ng amount.

14:47

S… Speaker 2 (basic riders (2))

Okay?

14:48

S… Speaker 1 (basic riders (2))

Yeah.

14:49

S… Speaker 1 (basic riders (2))

Pero at the minimum lang.

14:51

S… Speaker 1 (basic riders (2))

So ngayon,

14:53

S… Speaker 6 (basic riders (2))

if ever,

14:54

S… Speaker 1 (basic riders (2))

ma -accident,

14:55

S… Speaker 1 (basic riders (2))

tapos hindi naman mag -death talaga yung maging outcome.

15:00

S… Speaker 1 (basic riders (2))

Ang maganda dito,

15:01

S… Speaker 1 (basic riders (2))

insured pa rin si client.

15:03

S… Speaker 1 (basic riders (2))

May matatanggap pa rin siya.

15:04

S… Speaker 1 (basic riders (2))

So, kunwari,

15:05

S… Speaker 1 (basic riders (2))

ma -accident.

15:06

S… Speaker 5 (basic riders (2))

Tapos,

15:07

S… Speaker 1 (basic riders (2))

ma -disable a certain body part because of the accident.

15:12

S… Speaker 1 (basic riders (2))

Then,

15:13

S… Speaker 1 (basic riders (2))

you'll get a percentage of the amount.

15:17

S… Speaker 2 (basic riders (2))

So,

15:18

S… Speaker 1 (basic riders (2))

kunwari, loss of life is,

15:20

S… Speaker 1 (basic riders (2))

syempre, 100%.

15:22

S… Speaker 2 (basic riders (2))

So,

15:23

S… Speaker 1 (basic riders (2))

loss of both hands,

15:24

S… Speaker 1 (basic riders (2))

100%.

15:26

S… Speaker 1 (basic riders (2))

Ayan.

15:26

S… Speaker 1 (basic riders (2))

So it's like ano talaga kasi hindi ba hindi na talaga malaking ano talaga

15:31

S… Speaker 1 (basic riders (2))

yun eh.

15:31

S… Speaker 1 (basic riders (2))

Parang malaki na yung

15:35

S… Speaker 1 (basic riders (2))

disability na nangyari.

15:37

S… Speaker 1 (basic riders (2))

Pero kunwari loss of one foot.

15:40

S… Speaker 1 (basic riders (2))

50 % of the coverage will be given.

15:43

S… Speaker 1 (basic riders (2))

Loss of 150.

15:44

S… Speaker 1 (basic riders (2))

Loss of finger,

15:45

S… Speaker 1 (basic riders (2))

10%.

15:46

S… Speaker 1 (basic riders (2))

Ayan.

15:47

S… Speaker 1 (basic riders (2))

So, paminsan,

15:48

S… Speaker 1 (basic riders (2))

tinujoke ko yun sa mga clients.

15:49

S… Speaker 1 (basic riders (2))

Kung sabi ko, alam mo na,

15:50

S… Speaker 1 (basic riders (2))

girl, pag medyo ganikipit na tayo,

15:53

S… Speaker 1 (basic riders (2))

o yung pinky finger,

15:54

S… Speaker 1 (basic riders (2))

siguro okay lang naman.

15:55

S… Speaker 7 (basic riders (2))

Ayan.

15:56

S… Speaker 1 (basic riders (2))

So, tatawa na rin sila.

15:57

S… Speaker 2 (basic riders (2))

So,

15:58

S… Speaker 1 (basic riders (2))

it's how you represent it din kasi.

16:00

S… Speaker 1 (basic riders (2))

Sometimes,

16:01

S… Speaker 1 (basic riders (2))

di ba? Kasi nga medyo morbid,

16:02

S… Speaker 1 (basic riders (2))

di ba?

16:03

S… Speaker 4 (basic riders (2))

Pero,

16:03

S… Speaker 1 (basic riders (2))

at least, ma -explain mo lang din siya.

16:05

S… Speaker 2 (basic riders (2))

Saba,

16:06

S… Speaker 1 (basic riders (2))

ma -explain mo siya.

16:07

S… Speaker 1 (basic riders (2))

in such a way na mapatawa mo si client.

16:10

S… Speaker 2 (basic riders (2))

Okay?

16:11

S… Speaker 1 (basic riders (2))

So, nakasulat dito,

16:12

S… Speaker 1 (basic riders (2))

loss of shall mean complete and permanent paralysis or

16:16

S… Speaker 1 (basic riders (2))

actual severance.

16:17

S… Speaker 2 (basic riders (2))

Okay?

16:18

S… Speaker 1 (basic riders (2))

Loss of hearing or sight will mean total and permanent irrevocable loss

16:22

S… Speaker 1 (basic riders (2))

of hearing.

16:22

S… Speaker 2 (basic riders (2))

Ayan.

16:24

S… Speaker 1 (basic riders (2))

So, yung maganda dito,

16:25

S… Speaker 1 (basic riders (2))

disablement,

16:26

S… Speaker 1 (basic riders (2))

hindi kailangan dismember.

16:29

S… Speaker 1 (basic riders (2))

Okay?

16:29

S… Speaker 1 (basic riders (2))

So, what's the difference?

16:30

S… Speaker 1 (basic riders (2))

Disablement is kahit hindi mo lang,

16:33

S… Speaker 1 (basic riders (2))

parang hindi mo magamit because of the accident.

16:37

S… Speaker 1 (basic riders (2))

Dismemberment,

16:39

S… Speaker 1 (basic riders (2))

ang dapat dun,

16:40

S… Speaker 1 (basic riders (2))

kailangan talagang tanggal.

16:42

S… Speaker 2 (basic riders (2))

Ayan.

16:43

S… Speaker 1 (basic riders (2))

So, katulad neto,

16:44

S… Speaker 1 (basic riders (2))

yung finger,

16:45

S… Speaker 1 (basic riders (2))

loss of all three phalanges.

16:47

S… Speaker 1 (basic riders (2))

Ayan.

16:48

S… Speaker 1 (basic riders (2))

Pero kahit na dyan pa yung finger,

16:50

S… Speaker 1 (basic riders (2))

basta yun lang kasi hindi mo naman siya magamit.

16:52

S… Speaker 2 (basic riders (2))

Okay?

16:54

S… Speaker 1 (basic riders (2))

Ayan.

16:54

S… Speaker 1 (basic riders (2))

So, ngayon,

16:55

S… Speaker 1 (basic riders (2))

may waiting period ba dito?

16:58

S… Speaker 1 (basic riders (2))

Wala.

16:58

S… Speaker 2 (basic riders (2))

Okay.

17:00

S… Speaker 1 (basic riders (2))

Meaning, you can avail of it anytime na magka

17:04

S… Speaker 1 (basic riders (2))

-accident.

17:04

S… Speaker 1 (basic riders (2))

Issued siya up to 65 years old and then up

17:08

S… Speaker 1 (basic riders (2))

to 73 years old siya.

basic riders (2)

Tóm tắt

Hỏi AI về bản ghi này