Party Rocks

Simple lang ang life insurance.
Dapat hindi magugutom ang iyong mga anak
If you die too soon,

Kaya hindi lang basta life insurance ang kailangan..

Kailangan ay SAPAT na life insurance, para hindi magutom ang mga anak.

Halimbawa ang monthly expenses ng household ng sole breadwinner with dependents ay ₱25k sa isang buwan.

Kung kunin siya ni Lord ng maaga, ano ba ang sapat ng coverage?

Ang ideal ay ten years worth of expenses, o
₱25k x 12 x 10 = ₱3,000,000

Kasi kung nawala si breadwinner, ito ay at least 10 years of expenses na ₱25k per month para sa pamilya. Kung kayang kumita ng 10% sa isang taon, ito ay ₱25k in perpetuity.

Ilan ang kilala nating may monthly expenses na ₱25k?
Ilan sa kanila ang may ₱3m na life insurance coverage?

Ang typical Filipino ba ay:
uninsured
underinsured
adequately insured
overinsured?

Ano ang ideal coverage para sa iyo?

Tara usap tayo. ❤

(Ctto)

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