Isa ako sa nag invest ng sinalihan ni fibo lim na networking kasama si justin cabor pero ngayun na ty dahil wala na. Di pala legit ayun nawala ng parang bula pera ko?

Lol scam same katulad ng sa USA. Pare parehas lang yan. They earn money by denying care lol. Lolololol

Ang galing mang uto ah HAHAHAHAHAHAHAHAHAHA

Yes po sir 2200 po Ang binayad ko nung bumalik Ako Saudi Kasi haharangin karaw Sa airport Sa manila pag wala karaw insurance ???

Nice video???

No you are wrong. Insurance is a big scam. Yes magagara ang bihis ng mga financial advisor pero san nila kinukha ang pera nila. Of course sa investors but once makuha nila pera mo they are not interested to help you in times of distress

oo totoo yan na scam ako s ensurance sobra

Wag lahatin. Kasi ang SSS at Philhealth are also an insurance institution.

My advice.

Think Modularly.

Separate your needs and wants for benefits from your budget.

Find the sweet spot that you can work with Budget wise and take the policy that covers ONLY the insurance you wish to cover because Policies have an expiration date and getting a claim approved depends on many variables such as you risk and liabilities, your current income and if in the form of life or incident insurance – the severity of your medical complications + age of insured person.

If Worker Compensation (for businesses) – Work to provide near close to Accident/Incident Claim benefits or you will suffer in litigation when a former employee sues you for multiple infractions from safety measures to not covering medical expenses.

When shopping for Insurance as a company, always request the COI from your current Insurance Company to track how they have bene handling your claims for the last 3-5 years and how much from your claims reserve they have depleted trying to mitigate damages using their policies.

Having the COI is a powerful thing when going up to a Insurance Broker or another Insurance Company so they can see how much money you have hemorrhaged just fighting claim damages and can create the appropriate insurance package to handle and mitigate the current damages draining the reserves.

This is B2B.

If B2C.

Think Modular.

Get Life Insurance with benefits for Life Insurnace ONLY. Do not tie into Investment because it makes your actual Premiums paid into the Insurance into playable Investment funds that can dip when the market dips and put you actually into OWING people while LOCKED into a policy duration (usually 10-15 years).

Focus on only what you need.

If Insurance – Get Insurance.

If Investment – Go to VCs, go to Finance Firms, Get a broker…Allocate a separate Investment Reserve for this venture.

Do not MIX the two.

Also, when shopping for Insurance – Check you budget, you will be stuck paying this a long time.
Check it's coverage and don't try to buy into the "add ons" unless they are FREELY given into the policy without "prerequisites".

A Life insurance is to insure a person and in the event of death- Payout to beneficiaries.
A Health/Medical Insurance mitigates Hospital costs but usually has a LIST of diseases they can only insure while leaving majority of critical or complicated illnesses uninsured.
Auto insurance – Incase of Car/ Vehicle Accidents.
House/Home Insurance – in even of loss of home via force majeure or fires.
etc…

Learn the different kinds and get the package you need.
Negotiate Premiums and Payouts and always make sure that they can move when a claim needs to be approved.
Get a BROKER if you want someone who works for YOU, an AGENT works for the INSURANCE AGENCY.

Its why Companies tend to hire Brokers or create MGA (Management General Agencies) Who create their own policies and in-house for the company to provide insurance to their own.

TPA (Third Party Agency) are also the other route companies go with. This is B2B.

If personal, avoid getting FAs (a glorified term for an Insurance Agent) and actually get a Financial Analyst with background in Accounting. Let them look over all insurance quotes and also make friends with someone with legal knowledge like a paralegal or get yourself a personal lawyer for the family who knows Tax laws and Claims and Litigation.

By having these key people – you avoid getting bad deals that could tie you up.

Again.

If you want Insurance – Reach out to an agent, a broker.
If you want Investment – Go to a VC firm or Investment firm and get in touch with a real Financial Advisor who knows the current trending stock and markets.

Do not mix them.

To current FAs – Understand you focus is not on Sales.
You may need commissions but build quality relationships with clientele and be patient.
Also do you homework on where you want to focus on.

You can't sell LIFE INSURANCE to a person who works in HIGH RISK jobs. Not everyone is a target.
Get this mentality out of your head.

Learn your audience.
Study your market.
Speak straight and if you don't know the answer of a question- tell them honestly that you will look into it and get back to them because people wont just give you their hard earned money without proof what you say is what you actually believe in.

Master presentation and breaking down explanations.
Avoid using flowery words and use instead positively reinforced words.
Avoid guilt-tripping and focus on asking them straight if they have any contingency plans in the event of something and what are they willing to pay to avoid it.
Always offer a RANGE, never a defined PRICE. People have to feel they have choices.

Always offer the 3 best options for their concern and then if the policy and plan is flexible….tailor-fit it to their budget, benefits and needs.

It's negotiations 101 – Find the pain points.
Be human and listen.
You aren't the solution- you're the friend problem solving with them.
Celebrate your victories together.

If you SELL insurance, expect people to not buy because it triggers a defensive response in us when ever we know we are in a transaction.

Stop selling, be curious. Investigate and suggest.
Be willing to put in the leg work.

People don't trust the term "Financial Advisor" because its a false title.
Real Estate Agents aren't Business Consultants.

Real Financial Advisors actually took up accounting, are equipped with knowledge of the stock trend and marketing trends, have worked in Financial firms for years and know their way around Tax Law and master multiple Fintech SaaS or tools to help them balance out books.

Real Business Consultants have working knowing in Project Management, Operations Management, Product Line and even Digital Ecommerce.
They are trained and armed with certificates varying from Lean Six- Sigma Green-to-Blackbelt, to have been directing and operating large Corporate size companies at C-suite levels and Exec levels.
They can assume roles such as Operations Manager, Head of Sales, Marketing or Customer Service and know what they need to implement from SLAs with clients to KPIs for teams.

Insurance Agents and Real Estate Agents should stop using these terms to glorify their position and approach you cleanly, it builds confidence and trust.

"Hi, I work for so and so insurance and saw you had some inquiries about our packages.

What benefits are you looking to have?
Are you the insured?
Do you have a working budget you have in mind? "

If you are approached this way- you will more than likely trust them.
Don't go up COLD to strangers, invest in building INBOUND lead generation tactics such as a FB Ad or actual Ads and flyers.

Na discourage na sana ako bagong nag iba sa huli. ??? pero still I am a believer of Insurance. ?

Pipili ng kompaniya ba tutulongan ka talaga, at kilalanin ang kompanya bago papasok sa insurance.

AXA Philippines Financial Advisor here!

obvious FA tong gunggong na to

Pru life insurance is the best po, its the number 1 insurance company kahit ang fund manager ng banko central fund manager din ng pru life, nasa company din po yan but if you want to have insurance maghanap kayo ng agent ng pru life insurance

Toroo po yan parang scam

scam and fraud pala pero karamihan ng insurance nasa loob din ng bangko nag aalok!

Bandang huli bebentahan ka din pala nya ? Scam

Same with my bad experience in Sun life. It’s not good company to recommend. They were ignoring my cancellation request. I lost a lot of money with sun life.

Nag sisi ako kumuha ako ng insurance?

Phil am life family provider tapos na 10yrs hulogan, gusto na ifully terminate makukuha lang daw 44k less pa hidden charges. Gnagamit lng nila pera ng tao. Macclaim lng daw ung nahulog after deat kaloka

what if 150k mo na pera sa BDO after 5 yrs ay 100k nlang dahil daw sa insurance hindi man pinaliwanag na after 5 years 100 nlang ang makukuha mo. Simpleng mamamayan ka lang na akala mo may time deposit ka dahil hindi mo raw pwedi withdrohin ang pera mo within 5 yrs. Anyone please help!