basic riders (2)
Chapit
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0:00Chapit 1: Hello everyone! 78s · Speaker 1
Hello everyone! Today we will talk about all basic riders. Ibig sabihin ng rider, ito yung mga different types of coverage na pwede natin i -attach sa insurance policy natin kasi hindi lahat ng mga coverages kailangan ilagay. So we will lea…
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1:18
So, pag sinasabi, kinikwento ko sa client, So, ang ibig sabihin ng client, itong coverage na ito, makukuha natin, if continuous of 6 months, we won't be able to go back to work because of illness or accident. Ito din, meron din tayo talaga,…
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3:38Chapit 3: Minimum, ito kasi tinatawag natin core benefit. 107s · Speaker 3
Minimum, ito kasi tinatawag natin core benefit. Ibig sabihin, pag core benefit, hindi pwedeng i -remove. Okay, so minimum 60 ,000 for mga regular plans natin. Actually, 100 ,000 na inakit na pala recently. Ayan, then 180 for mga elite plans…
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5:25Chapit 4: Ayan. So, ito just to give you an example ng real claim story natin sa branch. 302s · Speaker 4
Ayan. So, ito just to give you an example ng real claim story natin sa branch. So, si UMMJ, Nagkaroon siya ng benefit claim for total permanent disability for her client na nagkaroon ng nasoparyngeal cancer stage 3B. Kasi matagal nang hindi…
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10:27
yung... policy insured, hindi na pwedeng i -attach itong rider. Okay? Yan. Tapos, mag -expire siya if mag -25 years old na yung minor. Okay? Or mag -60 years old naman yung payer. Whichever comes first. Okay, yan. So, life care waiver, a ri…
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15:06
Tapos, ma -disable a certain body part because of the accident. Then, you'll get a percentage of the amount. So, kunwari, loss of life is, syempre, 100%. So, loss of both hands, 100%. Ayan. So it's like ano talaga kasi hindi ba hindi na tal…
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17:48Chapit 7: Yan. So, next naman, actual claim story. 118s · Speaker 8
Yan. So, next naman, actual claim story. Meron tayo isang teammate. Actually, teammate natin ito eh. Died because of drowning. Nag -snortling lang siya. Eh, hindi marunong talaga mag -ano. lumangoy. Hindi din siya natutukan nung instructor.…
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19:47
paid, diba, due to death or bodily injury caused by accident. Ayan. So, ngayon naman, yung accidental total impairment disability, it pays up benefit in the event that the accident results to irreversible injury to the insured. And the insu…
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22:23Chapit 9: Okay? So, it's an additional cash benefit to the basic sum assured paid to the stated beneficiaries in case of untimely demise. 95s · Speaker 6
Okay? So, it's an additional cash benefit to the basic sum assured paid to the stated beneficiaries in case of untimely demise. Yan. So, dito, you can attach it 0 to 60 years old. Up to 75 years old, mag -expire to. So, ang cover dito, yung…
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23:59
Ito, Pagmamatay siya, meron din siyang pwedeng separate na beneficiary. Ipapa -indicate din yun. So, age to age, 0 to 60 for pep products. Tapos for paa, up to 70, pwede maglagay. Benefit will expire by 75 years old. Ito yung covered nga is…
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25:34
Okay? Hindi siya kailangan na nag -gastos mo na yung amount na yan. Kasi sometimes yun yung misconception eh. Sabihin, ay dapat parang ano siya, reimbursement. O na ano pa na, na gasos ko yan sa hospital, kaya re -reimbursed ko after. Dito,…
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27:06Chapit 12: Meaning, kung kunari, kumuha ka today, tapos naiging effective, na -approve siya. 162s · Speaker 3
Meaning, kung kunari, kumuha ka today, tapos naiging effective, na -approve siya. Hindi ka pa pwede mag -claim tomorrow. Okay? Actually, hindi ka pa pwede mag -claim within the first 90 days. Kasi, ang assumption is, healthy ka when you got…
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29:48Chapit 13: Ayan. So, ito yung 36 critical illness. 302s · Speaker 6
Ayan. So, ito yung 36 critical illness. Kasama sa life care plus. Diba? Same lang din. Yung covert. 36 critical illness din. Ngayon naman. for Life Care Advance Plus. And so it covers, it can cover up to 25%. Okay, when diagnosed with any o…
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34:50
talagang very appreciative din talaga yung clients natin. Sabi nga nila, diba, People will not appreciate us. as financial advisors up until that time that they need one. So, ito, natanggap natin from our client, iba na message. So, wow, th…
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35:51
matatanggap nuno, especially kapag kailangan na kailangan natin. So, sixth is daily hospital income riders. So, hospital income riders, ano ba yan? It provides a cash benefit for each day of hospital confinement. Okay, if the insured magkas…
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36:58Chapit 16: Kaya, na -hospital siya for 2 days. 301s · Speaker 6
Kaya, na -hospital siya for 2 days. So, nakaklaim siya because of that. Meron din mga dengue. So, na -confine 7 days. Nakakuha din sila ng clean. So, it doesn't need to be critical illness para makapag -clean ka neto. So other hospital inco…
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42:00
yung future premiums niya, si ProLeft niya maghuhulog. So up to 60 years old ito. Kaya yung life care waiver lang up to 70. Yan, accident. Okay, accident natin, we have ADD and personal accident. Okay, so ADD, yan yung basic accident covera…
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43:19Chapit 18: LCAP, ito yung may early stages. 155s · Speaker 4
LCAP, ito yung may early stages. You can claim up to 25%. Pag ma -diagnose ka dun sa 10, early stages CI. And then, multiple life care benefit, you can claim up to 3 times. Basta, nakapasok siya sa different CI na groups. So, ito, ang waiti…
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45:54Chapit 19: So, sa title, nilalagay ko dyan, ano ba yung need? 98s · Speaker 8
So, sa title, nilalagay ko dyan, ano ba yung need? Kunwari dito, for income protection. Kunwari, naglalagay ako dyan, educational plan for ganitong tao. Tapos, as of what date. And then, you can input si owner and insured. So, yan yung prof…
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47:34
Ayan. So, ngayon, yung third part, okay, ito naman yung total benefits versus yung premiums invested kasi kadalasan, di ba, si Clyde, i -compare naman yan na talaga. Eh, syempre, itong projected fund value, hindi naman yan yung... total na …
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52:34Chapit 21: ganyan lang siya. 65s · Speaker 1
ganyan lang siya. Okay lang ba malaman how much you are earning? Kasi it will come into play dun sa bibigay kong propunsyal sa 'yo. So, ganyan lang din ako magtanong. Kasi, for your information, a person can allocate or will be willing to a…
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53:40Chapit 22: So, how will you determine the needed insurance? 104s · Speaker 3
So, how will you determine the needed insurance? So, recommended insurance, annual income times 10 years. Kasi ito yung period of time na possible makover mo sana for the family para may enough time for them to get back on their own feet. J…
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55:24
dahit ganun pa lang, dahit ganun lang kalit, meron ka na kagad na 2 .5 million na debt benefit. Ay, tapos ito also comes with disability, accidental coverage, critical illness benefit, tsaka waiver on premium upon disability. Yan. So, ngayo…
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57:10Chapit 24: month, okay? 237s · Speaker 3
month, okay? 5 million na yung coverages mo. Okay? Meron ka pang waiver on critical illness. May completos rekados na to. Ayan. Tapos, yung projected fund value mo 19 million pa. Okay? Versus 1 .35 lang naman yung naihulog natin dito. Alrig…
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1:01:07Chapit 25: Diba? Kasi isipin mo, kaya nga tayo nang pa -plano, 24 million nga yung kailangan niya eh. 76s · Speaker 4
Diba? Kasi isipin mo, kaya nga tayo nang pa -plano, 24 million nga yung kailangan niya eh. Eh dito, diba 5 million to 7 million lang pa rin. Sa ibig sabihin, kailangan niya pa rin kumuha ng isa pang plan or several more plans after that. Ka…
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1:02:24
Pero, magkano ba yung premium na pwede natin i -decide per client? So, 20 % ng monthly income niya is at 20 ,000. So, paano natin ma -identify magkano dapat yung dapat may tabi? USD daw, di ba? So, sa USD with 5 years old, may 14 years pa t…
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1:07:26Chapit 27: So, depende na. 61s · Speaker 2
So, depende na. Kasi para hindi maguluhan si client. Ayan. So, I propose maximum of 3 plans para makita na si client na yung mamili. Afterwards, ang closing ko would be, O, client, ano yung napitipuhan mo dito sa tatlong plan that I propose…
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1:08:27Chapit 28: Ayan. So, mas kukunin talaga ni client kung alam niya para sa kanya talaga yun. 267s · Speaker 6
Ayan. So, mas kukunin talaga ni client kung alam niya para sa kanya talaga yun. Ayan. Tapos, do not always give on what the client thinks he or she needs. Sometimes, prospects want to jump to investments. Okay? Kasi nga hindi naman nila na …