Protection Products PAA + PHP
Oct 08, 2026 06:55
· 1:12:10
· TL
· Whisper Turbo
· 8 གསལ་བཤད་
ཡིག་ཆ་འདི་ཕྱི་ཚེས་ ༡༥ ཉིན་མཇུག་བསྡུ་ནི་ཨིན་མས།
གནས་བརྟན་གྱི་གནས་བཞག་གོང་འཕེལ་བཏང། →
སྟོན་རྐྱངམ་ཅིག་
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Speaker 1 (Protection Products PAA + PHP)
Hi team,
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Speaker 1 (Protection Products PAA + PHP)
good day.
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Speaker 1 (Protection Products PAA + PHP)
Welcome to our FA Masterclass.
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Speaker 1 (Protection Products PAA + PHP)
So today we're going to talk about protection
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Speaker 1 (Protection Products PAA + PHP)
products.
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Speaker 1 (Protection Products PAA + PHP)
Yung paa natin and pH prime.
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Speaker 1 (Protection Products PAA + PHP)
So my name is U .M.
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Speaker 1 (Protection Products PAA + PHP)
Ems Aguilar Geronimo and I am
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Speaker 1 (Protection Products PAA + PHP)
here to teach you regarding our protection products
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Speaker 1 (Protection Products PAA + PHP)
starting off with the paa product.
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Speaker 1 (Protection Products PAA + PHP)
And so,
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Speaker 1 (Protection Products PAA + PHP)
ito yung mga proof products natin.
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Speaker 1 (Protection Products PAA + PHP)
So, some review lang.
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Speaker 2 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
yung proof products natin from insurance to investment.
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Speaker 1 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
we have insurance.
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Speaker 1 (Protection Products PAA + PHP)
Ito yung tinatawag natin yung mga trad products or traditional products.
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Speaker 1 (Protection Products PAA + PHP)
We have ProMax Invest.
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Speaker 1 (Protection Products PAA + PHP)
And then,
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Speaker 1 (Protection Products PAA + PHP)
we have also APA,
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Speaker 1 (Protection Products PAA + PHP)
which is a VUL.
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Speaker 1 (Protection Products PAA + PHP)
And then,
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Speaker 1 (Protection Products PAA + PHP)
meron din tayong PEP.
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Speaker 1 (Protection Products PAA + PHP)
Pagdating sa investment,
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Speaker 1 (Protection Products PAA + PHP)
we have what we call the elite products,
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Speaker 1 (Protection Products PAA + PHP)
the PIA and Prumil.
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Speaker 2 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
the category of these products,
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Speaker 1 (Protection Products PAA + PHP)
ayan,
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Speaker 1 (Protection Products PAA + PHP)
ang nakalagay dyan,
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Speaker 1 (Protection Products PAA + PHP)
protection.
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Speaker 1 (Protection Products PAA + PHP)
So, Promax Invest,
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Speaker 1 (Protection Products PAA + PHP)
Paa,
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Speaker 1 (Protection Products PAA + PHP)
Pepmore on protection siya,
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Speaker 1 (Protection Products PAA + PHP)
and investment naman yung ating mga elite products,
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Speaker 1 (Protection Products PAA + PHP)
PIA and Prumil.
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Speaker 1 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
ito pwede natin siya magamit for education and retirement,
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Speaker 1 (Protection Products PAA + PHP)
yung ating mga investment,
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Speaker 1 (Protection Products PAA + PHP)
and medium to long term savings.
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Speaker 1 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
yung ating mga insurance products also,
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Speaker 1 (Protection Products PAA + PHP)
pwede rin natin siya magamit as a retirement wing,
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Speaker 1 (Protection Products PAA + PHP)
additional retirement wing.
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Speaker 2 (Protection Products PAA + PHP)
Bakit?
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Speaker 1 (Protection Products PAA + PHP)
Kasi si PAA becomes a good retirement funding in the long run
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Speaker 1 (Protection Products PAA + PHP)
because of its loyalty bonus feature and continuous saving.
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Speaker 1 (Protection Products PAA + PHP)
Ayan.
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Speaker 1 (Protection Products PAA + PHP)
So, ito naman yung ating four quadrants ng ating pro products.
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Speaker 1 (Protection Products PAA + PHP)
Alright?
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Speaker 1 (Protection Products PAA + PHP)
So, first we have protection and
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Speaker 1 (Protection Products PAA + PHP)
investment.
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Speaker 1 (Protection Products PAA + PHP)
Yung kinikater ni Paak.
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Speaker 3 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
medium yung investment niya pero high yung protection.
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Speaker 1 (Protection Products PAA + PHP)
Alright?
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Speaker 1 (Protection Products PAA + PHP)
Tapos dito naman sa PEP 5,
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Speaker 1 (Protection Products PAA + PHP)
7, 10,
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Speaker 1 (Protection Products PAA + PHP)
and 15.
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Speaker 1 (Protection Products PAA + PHP)
Low yung protection,
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Speaker 1 (Protection Products PAA + PHP)
mataas naman yung investment.
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Speaker 1 (Protection Products PAA + PHP)
Okay, sa quadrant 3 naman,
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Speaker 1 (Protection Products PAA + PHP)
we have protection and investment na both na high.
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Speaker 3 (Protection Products PAA + PHP)
Ayan,
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Speaker 1 (Protection Products PAA + PHP)
ito yung mga elite series natin,
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Speaker 1 (Protection Products PAA + PHP)
5, 7, 10,
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Speaker 1 (Protection Products PAA + PHP)
and 15.
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Speaker 1 (Protection Products PAA + PHP)
And then,
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Speaker 1 (Protection Products PAA + PHP)
sa investment protection,
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Speaker 1 (Protection Products PAA + PHP)
high yung investment and low on protection,
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Speaker 1 (Protection Products PAA + PHP)
we have what you call the single placement,
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Speaker 1 (Protection Products PAA + PHP)
yung per millionaire and fiat.
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Speaker 2 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so...
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Speaker 1 (Protection Products PAA + PHP)
Ito yung tinatawag nating financial building blocks.
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Speaker 4 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
we as financial advisors help also or
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Speaker 1 (Protection Products PAA + PHP)
assist our clients regarding the financial building blocks.
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Speaker 1 (Protection Products PAA + PHP)
So, starting off with wealth protection,
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Speaker 1 (Protection Products PAA + PHP)
dun sa pinaka -foundation niya,
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Speaker 1 (Protection Products PAA + PHP)
ito yung wealth protection.
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Speaker 1 (Protection Products PAA + PHP)
We have income protection,
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Speaker 1 (Protection Products PAA + PHP)
medical illness planning.
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Speaker 1 (Protection Products PAA + PHP)
Disability income protection,
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Speaker 1 (Protection Products PAA + PHP)
medical and hospital care.
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Speaker 1 (Protection Products PAA + PHP)
So, ito yung kailangan muna natin mabuild na foundation.
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Speaker 1 (Protection Products PAA + PHP)
Sabi nga,
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Speaker 1 (Protection Products PAA + PHP)
di ba kahit sa house,
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Speaker 1 (Protection Products PAA + PHP)
kapag nagbibuild tayo ng house,
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Speaker 1 (Protection Products PAA + PHP)
we start with the foundation.
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Speaker 2 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so dito,
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Speaker 1 (Protection Products PAA + PHP)
ayan,
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Speaker 1 (Protection Products PAA + PHP)
nakikita natin yung pagdating sa wealth protection,
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Speaker 1 (Protection Products PAA + PHP)
magkakasama yan.
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Speaker 3 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
critical illness planning,
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Speaker 1 (Protection Products PAA + PHP)
income protection,
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Speaker 1 (Protection Products PAA + PHP)
disability income protection,
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Speaker 1 (Protection Products PAA + PHP)
medical and hospital care.
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Speaker 3 (Protection Products PAA + PHP)
Ayan,
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Speaker 1 (Protection Products PAA + PHP)
so going to the next level of
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Speaker 1 (Protection Products PAA + PHP)
Our building blocks,
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Speaker 1 (Protection Products PAA + PHP)
we have wealth accumulation.
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Speaker 1 (Protection Products PAA + PHP)
Dito naman yung dream builder savings,
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Speaker 1 (Protection Products PAA + PHP)
education funding,
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Speaker 1 (Protection Products PAA + PHP)
and retirement funding.
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Speaker 1 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so most of us alam naman na siguro kung anong dream builder savings.
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Speaker 1 (Protection Products PAA + PHP)
Ito yung halimbawa,
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Speaker 1 (Protection Products PAA + PHP)
may gusto kang mabili or si client mo may gustong
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Speaker 1 (Protection Products PAA + PHP)
mabili.
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Speaker 1 (Protection Products PAA + PHP)
May gusto siyang business na itayo.
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Speaker 3 (Protection Products PAA + PHP)
Ayan,
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Speaker 1 (Protection Products PAA + PHP)
so ito yung...
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Speaker 1 (Protection Products PAA + PHP)
dream builder savings na tinatawag natin.
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Speaker 1 (Protection Products PAA + PHP)
And kung may mga anak,
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Speaker 1 (Protection Products PAA + PHP)
education funding,
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Speaker 1 (Protection Products PAA + PHP)
or may mga kapatid pa na pinag -aaral,
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Speaker 1 (Protection Products PAA + PHP)
education funding naman yung susunod.
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Speaker 1 (Protection Products PAA + PHP)
And also,
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Speaker 1 (Protection Products PAA + PHP)
yung retirement funding,
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Speaker 1 (Protection Products PAA + PHP)
dito na rin siya sa second layer.
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Speaker 3 (Protection Products PAA + PHP)
Alright?
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Speaker 1 (Protection Products PAA + PHP)
We call this the wealth accumulation.
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Speaker 1 (Protection Products PAA + PHP)
Okay, layer.
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Speaker 1 (Protection Products PAA + PHP)
And then,
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Speaker 1 (Protection Products PAA + PHP)
yung last naman natin is estate planning.
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Speaker 1 (Protection Products PAA + PHP)
Ito yung pinaka -top ng ating financial building blocks.
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Speaker 1 (Protection Products PAA + PHP)
Ito naman yung ating wealth preservation.
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Speaker 2 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so ito yung dapat yung mga products natin,
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Speaker 1 (Protection Products PAA + PHP)
yung different products natin.
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Speaker 1 (Protection Products PAA + PHP)
Ito yung mga nagkikater dito sa different need ng
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Speaker 1 (Protection Products PAA + PHP)
ating mga clients.
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Speaker 3 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so dapat na -utilize natin siyang maayos para ma -address natin.
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Speaker 1 (Protection Products PAA + PHP)
kung ano yung dapat natin i -offer based sa need ni client.
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Speaker 3 (Protection Products PAA + PHP)
Alright?
4:43
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Speaker 1 (Protection Products PAA + PHP)
So, for wealth protection,
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Speaker 1 (Protection Products PAA + PHP)
of course,
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Speaker 1 (Protection Products PAA + PHP)
diba, ayan,
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Speaker 1 (Protection Products PAA + PHP)
ang best pa rin talaga dyan is apa.
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Speaker 3 (Protection Products PAA + PHP)
Okay?
4:51
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Speaker 1 (Protection Products PAA + PHP)
So, kasi,
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Speaker 1 (Protection Products PAA + PHP)
depending,
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Speaker 1 (Protection Products PAA + PHP)
no, dun sa duration or dun sa haba,
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Speaker 1 (Protection Products PAA + PHP)
no, ng kailangan time para mag -accumulate ng funds.
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Speaker 1 (Protection Products PAA + PHP)
recommended products,
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Speaker 1 (Protection Products PAA + PHP)
pwede rin namang elite and single premium.
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Speaker 1 (Protection Products PAA + PHP)
I'm sorry,
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Speaker 1 (Protection Products PAA + PHP)
that's for wealth protection na.
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Speaker 1 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
yung wealth protection,
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Speaker 1 (Protection Products PAA + PHP)
pagdating sa wealth protection pa,
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Speaker 1 (Protection Products PAA + PHP)
pero for wealth accumulation,
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Speaker 1 (Protection Products PAA + PHP)
we have promilorpeia,
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Speaker 1 (Protection Products PAA + PHP)
elite,
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Speaker 1 (Protection Products PAA + PHP)
and single premium.
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Speaker 1 (Protection Products PAA + PHP)
Okay, so paa or elite lang yan.
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Speaker 1 (Protection Products PAA + PHP)
So, depende kung gaano nga katagal yung kailangan ni client
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Speaker 1 (Protection Products PAA + PHP)
para ma -raise niya yung need niyang money for specific na
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Speaker 1 (Protection Products PAA + PHP)
need niya.
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Speaker 3 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
and then for wealth succession,
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Speaker 1 (Protection Products PAA + PHP)
depending also on client preference,
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Speaker 1 (Protection Products PAA + PHP)
and yung best product may be comprised also
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Speaker 1 (Protection Products PAA + PHP)
on different products,
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Speaker 1 (Protection Products PAA + PHP)
di ba? Like paa,
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Speaker 1 (Protection Products PAA + PHP)
elite, and pro -millionaire.
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Speaker 3 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so, ayan siya.
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Speaker 3 (Protection Products PAA + PHP)
Alright,
5:53
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Speaker 1 (Protection Products PAA + PHP)
so, dapat ito,
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Speaker 1 (Protection Products PAA + PHP)
kabisado na natin to as financial advisors.
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Speaker 4 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
so,
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Speaker 1 (Protection Products PAA + PHP)
ito, sabi nga,
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Speaker 1 (Protection Products PAA + PHP)
PAA is still the best wealth protection VUL plan.
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Speaker 3 (Protection Products PAA + PHP)
Okay,
6:07
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Speaker 1 (Protection Products PAA + PHP)
so, let's talk about ProLink Assurance Account
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Speaker 1 (Protection Products PAA + PHP)
Plus, PAA Plus,
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Speaker 1 (Protection Products PAA + PHP)
or Regular Pay Unit Link Plus.
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Speaker 1 (Protection Products PAA + PHP)
ProLink Assurance Account Plus or PAA Plus is a regular pay variable
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Speaker 1 (Protection Products PAA + PHP)
life insurance product designed for customers whose priority is
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Speaker 1 (Protection Products PAA + PHP)
the need for protection.
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Speaker 1 (Protection Products PAA + PHP)
It provides living,
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Speaker 1 (Protection Products PAA + PHP)
disability, and death benefits.
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Speaker 1 (Protection Products PAA + PHP)
So, ito yung best -selling product natin for protection,
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Speaker 1 (Protection Products PAA + PHP)
yung PAA Plus.
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Speaker 1 (Protection Products PAA + PHP)
Okay,
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Speaker 1 (Protection Products PAA + PHP)
kasi ito...
6:41
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Speaker 1 (Protection Products PAA + PHP)
Ano siya,
6:42
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Speaker 1 (Protection Products PAA + PHP)
it provides living disability and death benefits.
6:45
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Speaker 4 (Protection Products PAA + PHP)
No,
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Speaker 1 (Protection Products PAA + PHP)
it pays some assured upon death during the entire lifespan until age 100
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Speaker 1 (Protection Products PAA + PHP)
siya.
6:50
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Speaker 1 (Protection Products PAA + PHP)
Makacover yung life insured.
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Speaker 2 (Protection Products PAA + PHP)
Okay,
6:54
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Speaker 1 (Protection Products PAA + PHP)
payable din siya up to age 100 and it offers both savings,
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Speaker 1 (Protection Products PAA + PHP)
fund value,
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Speaker 1 (Protection Products PAA + PHP)
and protection to our clients.
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Speaker 2 (Protection Products PAA + PHP)
Okay, so,
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Speaker 1 (Protection Products PAA + PHP)
ito halimbawa,
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Speaker 1 (Protection Products PAA + PHP)
yung death benefit,
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Speaker 1 (Protection Products PAA + PHP)
sabi nga natin kanina,
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Speaker 1 (Protection Products PAA + PHP)
it pays the life insurance coverage to the beneficiaries.
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Speaker 1 (Protection Products PAA + PHP)
So,
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Speaker 1 (Protection Products PAA + PHP)
doon sa beneficiary ni client,
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Speaker 1 (Protection Products PAA + PHP)
doon ito ibibigay.
7:16
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Speaker 3 (Protection Products PAA + PHP)
Okay,
7:17
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Speaker 1 (Protection Products PAA + PHP)
ano yung composition noon?
7:19
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Speaker 1 (Protection Products PAA + PHP)
Life insurance coverage,
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Speaker 1 (Protection Products PAA + PHP)
which is the sum assured plus fund value,
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Speaker 1 (Protection Products PAA + PHP)
if there's any.
7:25
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Speaker 1 (Protection Products PAA + PHP)
Okay, so,
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Speaker 1 (Protection Products PAA + PHP)
always remember,
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Speaker 1 (Protection Products PAA + PHP)
team, yung fund value,
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Speaker 1 (Protection Products PAA + PHP)
hindi siya guaranteed.
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Speaker 3 (Protection Products PAA + PHP)
Okay.
7:31
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Speaker 1 (Protection Products PAA + PHP)
So, kailangan lagi natin yan sinasabi sa presentation palang with the client.
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Speaker 1 (Protection Products PAA + PHP)
Paa is more on protection.
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Speaker 1 (Protection Products PAA + PHP)
Parang icing on the cake na lang yung fund value
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Speaker 1 (Protection Products PAA + PHP)
niya. So, we always mention to the client na the fund value is not
7:48
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Speaker 2 (Protection Products PAA + PHP)
a guarantee.
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Speaker 3 (Protection Products PAA + PHP)
Okay.
7:49
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Speaker 3 (Protection Products PAA + PHP)
Ayan.
7:51
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Speaker 1 (Protection Products PAA + PHP)
So, out of payment ni Paa.
7:55
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Speaker 1 (Protection Products PAA + PHP)
We have annual,
7:55
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Speaker 1 (Protection Products PAA + PHP)
semi -annual,
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Speaker 1 (Protection Products PAA + PHP)
quarterly, and monthly as with other products natin.
8:00
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Speaker 4 (Protection Products PAA + PHP)
Okay,
8:01
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Speaker 1 (Protection Products PAA + PHP)
issue age niya,
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Speaker 1 (Protection Products PAA + PHP)
0 to 70 years old.
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Speaker 1 (Protection Products PAA + PHP)
So, baka may magtatanong kaya,
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Speaker 1 (Protection Products PAA + PHP)
UAM, 71.
8:06
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Speaker 1 (Protection Products PAA + PHP)
So, hindi na po siya pwede.
8:07
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Speaker 1 (Protection Products PAA + PHP)
Alright?
8:08
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Speaker 1 (Protection Products PAA + PHP)
So, hanggang 70 years old lang.
8:10
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Speaker 1 (Protection Products PAA + PHP)
Yung maximum age na pwede natin ma -insure.
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Speaker 3 (Protection Products PAA + PHP)
Okay?
8:14
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Speaker 1 (Protection Products PAA + PHP)
Ayan.
8:15
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Speaker 1 (Protection Products PAA + PHP)
And then,
8:17
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Speaker 1 (Protection Products PAA + PHP)
ito, may minimum premium limits din pala tayo,
8:20
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Speaker 1 (Protection Products PAA + PHP)
team. 20 ,000 na po yung minimum premium limit natin.
8:27
S…
Speaker 1 (Protection Products PAA + PHP)
So, ito yung debt benefit na sum assured plus fund value
8:31
S…
Speaker 1 (Protection Products PAA + PHP)
plus 125 % of all top -ups.
8:34
S…
Speaker 1 (Protection Products PAA + PHP)
Kung may top -ups si client,
8:35
S…
Speaker 1 (Protection Products PAA + PHP)
additional 125 % yan.
8:38
S…
Speaker 1 (Protection Products PAA + PHP)
Less 125 % of all withdrawals on the top -up
8:42
S…
Speaker 1 (Protection Products PAA + PHP)
units.
8:42
S…
Speaker 1 (Protection Products PAA + PHP)
So, kung nag -withdraw siya doon sa top -up units,
8:46
S…
Speaker 1 (Protection Products PAA + PHP)
kung may withdrawal man siya doon,
8:47
S…
Speaker 1 (Protection Products PAA + PHP)
ili -less yun.
8:48
S…
Speaker 1 (Protection Products PAA + PHP)
ng 125%,
8:50
S…
Speaker 1 (Protection Products PAA + PHP)
and then ili -less din yung policy debts.
8:52
S…
Speaker 4 (Protection Products PAA + PHP)
Okay,
8:53
S…
Speaker 1 (Protection Products PAA + PHP)
kasi may mga clients kasi na,
8:55
S…
Speaker 1 (Protection Products PAA + PHP)
yun nga,
8:56
S…
Speaker 1 (Protection Products PAA + PHP)
biglaan na lang namamaalam sa earth,
8:58
S…
Speaker 1 (Protection Products PAA + PHP)
kinukuha ni Lord,
8:59
S…
Speaker 1 (Protection Products PAA + PHP)
may mga policy debts pa na iiwan.
9:02
S…
Speaker 1 (Protection Products PAA + PHP)
So, ito yung mga charges na kailangan pang bayaran ng policy
9:06
S…
Speaker 1 (Protection Products PAA + PHP)
ni client.
9:07
S…
Speaker 1 (Protection Products PAA + PHP)
Okay?
9:07
S…
Speaker 1 (Protection Products PAA + PHP)
So, yun, i -deductin yun.
9:09
S…
Speaker 1 (Protection Products PAA + PHP)
Okay?
9:09
S…
Speaker 1 (Protection Products PAA + PHP)
So, yung final note na computation will be the debt benefit na
9:14
S…
Speaker 1 (Protection Products PAA + PHP)
ipoprovide natin dun sa mga beneficiaries.
9:16
S…
Speaker 4 (Protection Products PAA + PHP)
Okay?
9:17
S…
Speaker 3 (Protection Products PAA + PHP)
Ayan.
9:18
S…
Speaker 1 (Protection Products PAA + PHP)
So, sum assured multiplies.
9:20
S…
Speaker 1 (Protection Products PAA + PHP)
Ayan.
9:20
S…
Speaker 1 (Protection Products PAA + PHP)
So, ito naman yung,
9:22
S…
Speaker 1 (Protection Products PAA + PHP)
siyempre yung sum assured,
9:24
S…
Speaker 1 (Protection Products PAA + PHP)
yun yung amount ng life insurance coverage.
9:27
S…
Speaker 2 (Protection Products PAA + PHP)
Okay?
9:27
S…
Speaker 2 (Protection Products PAA + PHP)
So,
9:28
S…
Speaker 1 (Protection Products PAA + PHP)
it is determined by multiplying the annual premium by the SA multiple based
9:32
S…
Speaker 1 (Protection Products PAA + PHP)
on insured age.
9:34
S…
Speaker 3 (Protection Products PAA + PHP)
So,
9:34
S…
Speaker 1 (Protection Products PAA + PHP)
for example,
9:35
S…
Speaker 1 (Protection Products PAA + PHP)
ito yung ano natin.
9:37
S…
Speaker 1 (Protection Products PAA + PHP)
Diba yung age niya?
9:38
S…
Speaker 1 (Protection Products PAA + PHP)
26 to 30.
9:39
S…
Speaker 1 (Protection Products PAA + PHP)
Minimum is 20.
9:41
S…
Speaker 1 (Protection Products PAA + PHP)
Maximum is 120.
9:42
S…
Speaker 1 (Protection Products PAA + PHP)
Paano po ba yung kinocompute?
9:44
S…
Speaker 1 (Protection Products PAA + PHP)
So, example,
9:45
S…
Speaker 1 (Protection Products PAA + PHP)
insured age is 30 years old.
9:47
S…
Speaker 1 (Protection Products PAA + PHP)
Dito tayo sa mga naka -highlight.
9:50
S…
Speaker 1 (Protection Products PAA + PHP)
So, 30 years old siya.
9:52
S…
Speaker 1 (Protection Products PAA + PHP)
Tapos,
9:53
S…
Speaker 1 (Protection Products PAA + PHP)
yung annualized regular premium niya ay 60 ,000 or 5 ,000 pesos
9:57
S…
Speaker 2 (Protection Products PAA + PHP)
per month.
9:57
S…
Speaker 1 (Protection Products PAA + PHP)
So, yung minimum SA na pwede...
10:00
S…
Speaker 1 (Protection Products PAA + PHP)
pwede natin ibigay sa kanya,
10:01
S…
Speaker 1 (Protection Products PAA + PHP)
ayan,
10:01
S…
Speaker 1 (Protection Products PAA + PHP)
is 1 .2 million.
10:05
S…
Speaker 3 (Protection Products PAA + PHP)
Okay?
10:07
S…
Speaker 1 (Protection Products PAA + PHP)
So, ito yung regular premium,
10:08
S…
Speaker 1 (Protection Products PAA + PHP)
which is the 60 ,000 times 20.
10:12
S…
Speaker 3 (Protection Products PAA + PHP)
Okay?
10:13
S…
Speaker 1 (Protection Products PAA + PHP)
So, that makes it 1 .2 million.
10:15
S…
Speaker 1 (Protection Products PAA + PHP)
So, yung maximum SA naman niya is 60 ,000 multiplied by
10:19
S…
Speaker 1 (Protection Products PAA + PHP)
120, which is 7 .2 million.
10:22
S…
Speaker 1 (Protection Products PAA + PHP)
So, eto halimbawa,
10:23
S…
Speaker 1 (Protection Products PAA + PHP)
itong insured age naman is 67.
10:25
S…
Speaker 1 (Protection Products PAA + PHP)
Dito na siya sa pinakalas,
10:27
S…
Speaker 1 (Protection Products PAA + PHP)
diba?
10:27
S…
Speaker 1 (Protection Products PAA + PHP)
So,
10:28
S…
Speaker 1 (Protection Products PAA + PHP)
times 10 times 10 na lang yan.
10:29
S…
Speaker 1 (Protection Products PAA + PHP)
So, minimum SA niya,
10:31
S…
Speaker 1 (Protection Products PAA + PHP)
yung regular premium which is 60 ,000 times 10,
10:34
S…
Speaker 1 (Protection Products PAA + PHP)
600 ,000.
10:36
S…
Speaker 1 (Protection Products PAA + PHP)
Same with the maximum sum assured which is 600 ,000 also.
10:40
S…
Speaker 1 (Protection Products PAA + PHP)
Kaya para lang din din tayo malito.
10:42
S…
Speaker 1 (Protection Products PAA + PHP)
Meron naman kasi yung table.
10:43
S…
Speaker 1 (Protection Products PAA + PHP)
And usually,
10:44
S…
Speaker 1 (Protection Products PAA + PHP)
since ginagawa na natin ito sa Pro 1 ngayon,
10:46
S…
Speaker 1 (Protection Products PAA + PHP)
automatic naman na siya na lumalabas.
10:49
S…
Speaker 1 (Protection Products PAA + PHP)
Okay?
10:51
S…
Speaker 1 (Protection Products PAA + PHP)
So, yung fund value,
10:53
S…
Speaker 1 (Protection Products PAA + PHP)
it accumulates cash over time by investing in your chosen
10:57
S…
Speaker 1 (Protection Products PAA + PHP)
investment fund.
10:58
S…
Speaker 3 (Protection Products PAA + PHP)
Tapos,
11:01
S…
Speaker 1 (Protection Products PAA + PHP)
saan naman natin nilalagay yung investment or yung
11:05
S…
Speaker 1 (Protection Products PAA + PHP)
premium allocation?
11:07
S…
Speaker 1 (Protection Products PAA + PHP)
Kailan siya nag -start?
11:09
S…
Speaker 1 (Protection Products PAA + PHP)
Okay?
11:09
S…
Speaker 1 (Protection Products PAA + PHP)
So, kasi may mga client magtatanong sa 'yo,
11:11
S…
Speaker 1 (Protection Products PAA + PHP)
saan yung ba nilalagay yung fund ko?
11:12
S…
Speaker 1 (Protection Products PAA + PHP)
Kailan siya nag -start?
11:13
S…
Speaker 2 (Protection Products PAA + PHP)
Okay?
11:14
S…
Speaker 1 (Protection Products PAA + PHP)
So, it starts on the second year onwards.
11:17
S…
Speaker 1 (Protection Products PAA + PHP)
So,
11:17
S…
Speaker 1 (Protection Products PAA + PHP)
first year,
11:18
S…
Speaker 1 (Protection Products PAA + PHP)
wala pa talaga yan.
11:19
S…
Speaker 1 (Protection Products PAA + PHP)
Yung premium,
11:21
S…
Speaker 1 (Protection Products PAA + PHP)
wala pang naaalat or nalalagay doon sa fund value natin.
11:25
S…
Speaker 4 (Protection Products PAA + PHP)
Okay?
11:26
S…
Speaker 1 (Protection Products PAA + PHP)
So, kasi,
11:27
S…
Speaker 1 (Protection Products PAA + PHP)
meron pang mga policy debts
11:31
S…
Speaker 1 (Protection Products PAA + PHP)
for the first year.
11:34
S…
Speaker 1 (Protection Products PAA + PHP)
So,
11:35
S…
Speaker 1 (Protection Products PAA + PHP)
tapos may mga insurance charges.
11:37
S…
Speaker 1 (Protection Products PAA + PHP)
And then may rider charges pa,
11:41
S…
Speaker 1 (Protection Products PAA + PHP)
annual management charge.
11:42
S…
Speaker 1 (Protection Products PAA + PHP)
So, mag -start yung ating investment o
11:47
S…
Speaker 1 (Protection Products PAA + PHP)
yung pag -alat ng investment natin
11:51
S…
Speaker 1 (Protection Products PAA + PHP)
doon sa ating premium on the second year.
11:53
S…
Speaker 2 (Protection Products PAA + PHP)
So,
11:54
S…
Speaker 1 (Protection Products PAA + PHP)
magkano po ba yung nilalagay natin?
11:56
S…
Speaker 1 (Protection Products PAA + PHP)
It's 50%.
11:57
S…
Speaker 1 (Protection Products PAA + PHP)
So, 50 % ng premium,
11:59
S…
Speaker 1 (Protection Products PAA + PHP)
yung alat natin yan doon sa investment.
12:02
S…
Speaker 1 (Protection Products PAA + PHP)
Okay, so third year,
12:04
S…
Speaker 1 (Protection Products PAA + PHP)
50%.
12:04
S…
Speaker 1 (Protection Products PAA + PHP)
And on the fourth year,
12:06
S…
Speaker 1 (Protection Products PAA + PHP)
and fifth year onwards,
12:07
S…
Speaker 1 (Protection Products PAA + PHP)
100 % naman yan.
12:09
S…
Speaker 1 (Protection Products PAA + PHP)
So, as long as,
12:12
S…
Speaker 1 (Protection Products PAA + PHP)
the longer na magbabayad si client ng kanyang premium,
12:17
S…
Speaker 1 (Protection Products PAA + PHP)
ayan,
12:17
S…
Speaker 1 (Protection Products PAA + PHP)
100 % na yung pwedeng maallocate
12:22
S…
Speaker 1 (Protection Products PAA + PHP)
na fund doon sa kanyang premium.
12:24
S…
Speaker 3 (Protection Products PAA + PHP)
So,
12:25
S…
Speaker 1 (Protection Products PAA + PHP)
palakas siya ng pala.
12:26
S…
Speaker 1 (Protection Products PAA + PHP)
Hanggang mag -100 % siya.
12:30
S…
Speaker 1 (Protection Products PAA + PHP)
Tap -ups,
12:31
S…
Speaker 1 (Protection Products PAA + PHP)
additional single premiums to purchase more units that go to your fund value.
12:35
S…
Speaker 1 (Protection Products PAA + PHP)
So, dito sa ano,
12:37
S…
Speaker 1 (Protection Products PAA + PHP)
pwede tayong mag -top -up para mas tumaas yung allocation
12:41
S…
Speaker 1 (Protection Products PAA + PHP)
sa fund value ng ating money o ng ating premium.
12:46
S…
Speaker 1 (Protection Products PAA + PHP)
Okay, so ang top -ups,
12:49
S…
Speaker 1 (Protection Products PAA + PHP)
ito some notes lang regarding top -ups.
12:51
S…
Speaker 1 (Protection Products PAA + PHP)
Makakapag -top -up lang po tayo after the first policy
12:55
S…
Speaker 1 (Protection Products PAA + PHP)
year.
12:55
S…
Speaker 1 (Protection Products PAA + PHP)
Every top -up made provides the life insured with an additional death
12:59
S…
Speaker 1 (Protection Products PAA + PHP)
benefit of 125 % of the
13:05
S…
Speaker 1 (Protection Products PAA + PHP)
top -up amount.
13:06
S…
Speaker 1 (Protection Products PAA + PHP)
So kung halimbawa magta -top -up si client,
13:10
S…
Speaker 3 (Protection Products PAA + PHP)
Okay.
13:10
S…
Speaker 1 (Protection Products PAA + PHP)
Meron siya makukong additional debt benefit.
13:13
S…
Speaker 1 (Protection Products PAA + PHP)
Aside from,
13:14
S…
Speaker 1 (Protection Products PAA + PHP)
syempre, tataas yung money na ma -allocate doon sa kanyang fund
13:18
S…
Speaker 1 (Protection Products PAA + PHP)
value.
13:18
S…
Speaker 3 (Protection Products PAA + PHP)
Ayan.
13:19
S…
Speaker 1 (Protection Products PAA + PHP)
Meron siyang additional 125 % pa doon
13:23
S…
Speaker 1 (Protection Products PAA + PHP)
sa kanyang debt benefit.
13:25
S…
Speaker 4 (Protection Products PAA + PHP)
Okay.
13:25
S…
Speaker 1 (Protection Products PAA + PHP)
Yung minimum top -up amount natin is 20 ,000 pesos or US
13:29
S…
Speaker 1 (Protection Products PAA + PHP)
dollars na 500.
13:31
S…
Speaker 1 (Protection Products PAA + PHP)
And meron din po siyang charge na top -up charge
13:35
S…
Speaker 1 (Protection Products PAA + PHP)
na sinasabi.
13:37
S…
Speaker 4 (Protection Products PAA + PHP)
Okay.
13:38
S…
Speaker 1 (Protection Products PAA + PHP)
Na 3%.
13:44
S…
Speaker 1 (Protection Products PAA + PHP)
Okay, meron din siyang feature,
13:46
S…
Speaker 1 (Protection Products PAA + PHP)
no, si Paana,
13:47
S…
Speaker 1 (Protection Products PAA + PHP)
partial withdrawal.
13:48
S…
Speaker 2 (Protection Products PAA + PHP)
Okay,
13:49
S…
Speaker 1 (Protection Products PAA + PHP)
so, pag meron ng withdrawal value,
13:52
S…
Speaker 2 (Protection Products PAA + PHP)
yung,
13:52
S…
Speaker 2 (Protection Products PAA + PHP)
ah,
13:53
S…
Speaker 1 (Protection Products PAA + PHP)
Pera ni client or yung premium ni client.
13:56
S…
Speaker 1 (Protection Products PAA + PHP)
Policy owner may partially withdraw from his policy anytime naman
14:01
S…
Speaker 2 (Protection Products PAA + PHP)
na gusto niya.
14:01
S…
Speaker 1 (Protection Products PAA + PHP)
Ito lang,
14:03
S…
Speaker 1 (Protection Products PAA + PHP)
some things to remember also,
14:06
S…
Speaker 1 (Protection Products PAA + PHP)
para masabi din natin kay client during presentation,
14:09
S…
Speaker 1 (Protection Products PAA + PHP)
yung maintaining fund balance natin should be 20 ,000
14:13
S…
Speaker 1 (Protection Products PAA + PHP)
pesos or 1 ,500 US dollars.
14:17
S…
Speaker 1 (Protection Products PAA + PHP)
I required yan after every withdrawal.
14:20
S…
Speaker 1 (Protection Products PAA + PHP)
So, hindi pwede na 20 ,000 pa lang yung fan value,
14:23
S…
Speaker 1 (Protection Products PAA + PHP)
mag -withdraw si client ng 10 ,000.
14:25
S…
Speaker 1 (Protection Products PAA + PHP)
Hindi po pwede yun.
14:27
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
14:27
S…
Speaker 1 (Protection Products PAA + PHP)
so ang minimum na withdrawal naman is 10 ,000.
14:30
S…
Speaker 1 (Protection Products PAA + PHP)
And also,
14:31
S…
Speaker 1 (Protection Products PAA + PHP)
you can also,
14:32
S…
Speaker 1 (Protection Products PAA + PHP)
please inform also your client,
14:34
S…
Speaker 1 (Protection Products PAA + PHP)
yung hindi na sila makakareceive ng loyalty bonus kapag
14:39
S…
Speaker 1 (Protection Products PAA + PHP)
yung total withdrawals nila is nag -exceed na dun
14:44
S…
Speaker 1 (Protection Products PAA + PHP)
sa top -ups,
14:45
S…
Speaker 1 (Protection Products PAA + PHP)
yung total top -ups na binayaran nila.
14:47
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
14:52
S…
Speaker 1 (Protection Products PAA + PHP)
so ito yun,
14:53
S…
Speaker 1 (Protection Products PAA + PHP)
yung partial or full withdrawal may be made.
14:57
S…
Speaker 4 (Protection Products PAA + PHP)
However,
14:58
S…
Speaker 1 (Protection Products PAA + PHP)
this may result of termination.
15:00
S…
Speaker 1 (Protection Products PAA + PHP)
of the policy if the fund is insufficient to pay for charges.
15:03
S…
Speaker 1 (Protection Products PAA + PHP)
Withdrawal charges will only be applied to the portion of partial withdrawals
15:08
S…
Speaker 2 (Protection Products PAA + PHP)
made from the top -ups.
15:09
S…
Speaker 4 (Protection Products PAA + PHP)
Okay,
15:11
S…
Speaker 1 (Protection Products PAA + PHP)
so halimbawa may top -ups si client,
15:13
S…
Speaker 1 (Protection Products PAA + PHP)
ito yung mga withdrawal charges niya for top -ups.
15:16
S…
Speaker 1 (Protection Products PAA + PHP)
So first year,
15:16
S…
Speaker 1 (Protection Products PAA + PHP)
5 % ng withdrawal amount is to charge sa kanya sa top
15:21
S…
Speaker 1 (Protection Products PAA + PHP)
-ups.
15:21
S…
Speaker 1 (Protection Products PAA + PHP)
And then year 2,
15:22
S…
Speaker 1 (Protection Products PAA + PHP)
4%.
15:23
S…
Speaker 1 (Protection Products PAA + PHP)
Year 3, 3%.
15:24
S…
Speaker 1 (Protection Products PAA + PHP)
Year 4,
15:26
S…
Speaker 1 (Protection Products PAA + PHP)
2%.
15:26
S…
Speaker 1 (Protection Products PAA + PHP)
And year 5 is 1%.
15:28
S…
Speaker 1 (Protection Products PAA + PHP)
So year 6 and up,
15:29
S…
Speaker 1 (Protection Products PAA + PHP)
0 % na kapag gusto nilang mag -withdraw.
15:34
S…
Speaker 1 (Protection Products PAA + PHP)
So, sample for 60K pa.
15:36
S…
Speaker 1 (Protection Products PAA + PHP)
Okay.
15:37
S…
Speaker 1 (Protection Products PAA + PHP)
So, meron siyang sample ng withdrawal charges
15:41
S…
Speaker 1 (Protection Products PAA + PHP)
for top -ups.
15:42
S…
Speaker 4 (Protection Products PAA + PHP)
Okay.
15:43
S…
Speaker 1 (Protection Products PAA + PHP)
So, first premium payment na ito,
15:44
S…
Speaker 1 (Protection Products PAA + PHP)
zero pa.
15:45
S…
Speaker 1 (Protection Products PAA + PHP)
Tapos, noong second year,
15:48
S…
Speaker 1 (Protection Products PAA + PHP)
ayan, meron na siyang 30K,
15:50
S…
Speaker 1 (Protection Products PAA + PHP)
30K,
15:50
S…
Speaker 1 (Protection Products PAA + PHP)
and then 60K noong fourth year.
15:52
S…
Speaker 1 (Protection Products PAA + PHP)
Tapos, nag -top -up siya ng 20K.
15:55
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
15:56
S…
Speaker 1 (Protection Products PAA + PHP)
so pagdating ng 5th year,
16:00
S…
Speaker 1 (Protection Products PAA + PHP)
mag -withdraw siya ng 100 ,000.
16:04
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
16:05
S…
Speaker 1 (Protection Products PAA + PHP)
mababa hindi siya ma -approve kasi yung
16:11
S…
Speaker 1 (Protection Products PAA + PHP)
fund value niya from the pa -allocation is not enough for partial
16:15
S…
Speaker 1 (Protection Products PAA + PHP)
withdrawal and kailangan din mag -withdraw ng 5
16:19
S…
Speaker 1 (Protection Products PAA + PHP)
-4 % charge doon sa top
16:23
S…
Speaker 1 (Protection Products PAA + PHP)
-up.
16:24
S…
Speaker 1 (Protection Products PAA + PHP)
Kasi second year top up pa lang niya.
16:26
S…
Speaker 3 (Protection Products PAA + PHP)
So,
16:29
S…
Speaker 1 (Protection Products PAA + PHP)
hindi siya enough.
16:31
S…
Speaker 1 (Protection Products PAA + PHP)
Hindi siya pwede makakuha
16:35
S…
Speaker 1 (Protection Products PAA + PHP)
ng withdrawal.
16:35
S…
Speaker 1 (Protection Products PAA + PHP)
Kasi hindi enough yung fund value niya.
16:38
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
16:39
S…
Speaker 1 (Protection Products PAA + PHP)
and then hindi rin enough yung withdrawal charge na dapat isa -charge
16:43
S…
Speaker 1 (Protection Products PAA + PHP)
doon sa top up which is 4%.
16:45
S…
Speaker 3 (Protection Products PAA + PHP)
Okay,
16:46
S…
Speaker 1 (Protection Products PAA + PHP)
so meron din tayong tinatawag na premium holiday.
16:48
S…
Speaker 1 (Protection Products PAA + PHP)
If the policy owner fails to pay the premium.
16:51
S…
Speaker 1 (Protection Products PAA + PHP)
On time.
16:52
S…
Speaker 1 (Protection Products PAA + PHP)
O kaya hindi na siya nagbabayad ng premium.
16:55
S…
Speaker 1 (Protection Products PAA + PHP)
Tapos meron pang units na naiwan sa account.
16:57
S…
Speaker 1 (Protection Products PAA + PHP)
Okay.
16:58
S…
Speaker 1 (Protection Products PAA + PHP)
So yung policy,
16:59
S…
Speaker 1 (Protection Products PAA + PHP)
automatically magkocontinue lang siya.
17:01
S…
Speaker 1 (Protection Products PAA + PHP)
Same amount nung sum assured.
17:04
S…
Speaker 1 (Protection Products PAA + PHP)
And then same benefits.
17:07
S…
Speaker 3 (Protection Products PAA + PHP)
Okay.
17:09
S…
Speaker 1 (Protection Products PAA + PHP)
Pero during this period,
17:10
S…
Speaker 1 (Protection Products PAA + PHP)
insurance charges will still be deducted from the outstanding units.
17:16
S…
Speaker 1 (Protection Products PAA + PHP)
Switching between funds.
17:17
S…
Speaker 1 (Protection Products PAA + PHP)
Kasi diba nasasabi natin kay client,
17:19
S…
Speaker 1 (Protection Products PAA + PHP)
pwede naman pong mag -withdraw ng
17:23
S…
Speaker 2 (Protection Products PAA + PHP)
funds.
17:24
S…
Speaker 1 (Protection Products PAA + PHP)
Pwede naman pong mag -switch.
17:27
S…
Speaker 1 (Protection Products PAA + PHP)
I'm sorry, mag -switch ng funds.
17:28
S…
Speaker 1 (Protection Products PAA + PHP)
Pero,
17:30
S…
Speaker 1 (Protection Products PAA + PHP)
kailangan meron ding laman
ཡིག་སྒྱུར་འདི་ བཅོས་མའི་བློ་རིག་ (སྒྲ་ངོས་འཛིན་བྱེད་པའི་འཕྲུལ་རིག་) གིས་བཟོ་སྟེ་ཡོདཔ་ཨིན། འཛོལ་བ་འབྱུང་སྲིད་པ་ལ་ — གལ་སྲིད་ཁག་ཆེ་བའི་དོན་ལས་ ངོ་མ་གི་སྒྲ་སྐད་དང་འཕྱད་ཞིབ་འབད་དགོཔ་ཨིན། བཅོས་མའི་བློ་རིག་གི་སྲིད་བྱུས་
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