Secure Your Future

Financial Planning is not difficult. You just have to follow this four FORMULAS. ☺️

⭐️ First, How much Life Insurance do you need?
-It Should be 10 times of your Annual Income.
For example: 25,000 Monthly Salary x 12 months x 10
= 3,000,000
That is the grant amount we need to prepare for our loved ones when we die
⭐️ Second, How much DO WE NEED FOR INCOME PROTECTION OR CRITICAL ILLNESS?
-It Should be 5 times of your Annual Income.
For example: 25,000 Monthly Salary x 12 months x 5
=1,500,000
That is the amount we provide for our selves if we have a critical illness and are unable to work.
⭐️ Third, how much do we need to save every month for our retirement?
-It should be 20% of your Monthly Salary which is 5,000 per month for our retirement preparation later.
⭐️Fourth and last, how much do we need for our kids education?
It should be 5% of your Monthly Salary which is 1,250 per month, for your child's education.

by: Dr. Sanjay Tolani

Please send me a message for free quotation. Have a blessed day everyone. 😊

𝗕𝗲𝘀𝘁 𝗦𝗲𝗹𝗹𝗲𝗿: 𝗙𝗔𝗠𝗜𝗟𝗬 𝗕𝗨𝗡𝗗𝗟𝗘! 👨‍👩‍👦 🫶🏻🫶🏻🫶🏻

Below is a sample computation not just for you but for your entire family's protection, may kasama pang savings and investments.

This is a sample of a 𝗩𝗨𝗟 𝗙𝗔𝗠𝗜𝗟𝗬 𝗕𝗨𝗡𝗗𝗟𝗘.

The more you start now, the more peace of mind for your family, the more withdrawable savings for you and your family members.

Message me for FREE FINANCIAL CONSULTATION. 📩

Ricardo de la Cruz Jr
Licensed Financial Consultant
PRU LIFE UK

𝗩𝗨𝗟 is a type of life insurance with two primary components:
"Life Insurance Benefit" and "Savings (Investment)".

𝗩𝗨𝗟 = 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 + 𝗦𝗔𝗩𝗜𝗡𝗚𝗦 (𝗜𝗡𝗩𝗘𝗦𝗧𝗠𝗘𝗡𝗧)

VUL insurance policies are built based on traditional life insurance plans but have a additional separate component that invests cash in the stock market (𝘴𝘪𝘮𝘪𝘭𝘢𝘳 𝘵𝘰 𝘮𝘶𝘵𝘶𝘢𝘭 𝘧𝘶𝘯𝘥).

𝗩𝗨𝗟 𝗣𝗔𝗬𝗠𝗘𝗡𝗧 - 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗙𝗘𝗘𝗦/𝗖𝗛𝗔𝗥𝗚𝗘𝗦 = 𝗖𝗔𝗦𝗛 (𝘴𝘢𝘷𝘪𝘯𝘨𝘴)

𝙑𝙐𝙇 insurance plan, particularly its savings component typically have both a maximum cap and minimum floor on the investment return.
𝗠𝗮𝘅𝗶𝗺𝘂𝗺 𝗖𝗮𝗽, meaning, the highest potential interest limit.
𝗠𝗶𝗻𝗶𝗺𝘂𝗺 𝗙𝗹𝗼𝗼𝗿, lowest acceptable interest limit, usually 0%.

A cap limits the interest rate and sets a maximum level of return for the investor.
A floor sets a base level of interest that an investor can expect to earn.

Clients may access their cash savings by taking a withdrawal or borrowing funds. However, if the cash value falls below a specific level, additional payments must be made to prevent the policy from lapsing ( 𝘪𝘯𝘷𝘢𝘭𝘪𝘥/𝘦𝘹𝘱𝘪𝘳𝘦𝘥 ).

𝗪𝗮𝗻𝘁 𝘁𝗼 𝗹𝗲𝗮𝗿𝗻 𝗺𝗼𝗿𝗲? 𝗙𝗲𝗲𝗹 𝗳𝗿𝗲𝗲 𝘁𝗼 𝗰𝗵𝗮𝘁, 𝗮𝘀𝗸 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀, 𝗿𝗲𝗾𝘂𝗲𝘀𝘁 𝗮 𝗳𝗿𝗲𝗲 𝗱𝗶𝘀𝗰𝘂𝘀𝘀𝗶𝗼𝗻 𝗮𝗻𝗱 𝗽𝗿𝗼𝗽𝗼𝘀𝗮𝗹 𝗾𝘂𝗼𝘁𝗮𝘁𝗶𝗼𝗻 🙂