The Financial Mompreneur

Story time.

I was creating a quote for a client, and ang focus namin is getting a plan with Critical Illness coverage. As we all know, pamahal nang pamahal ang hospital bills, and pabata nang pabata ang mga nada-diagnose.

Disclaimer: This is not to scare anyone. Reality lang po.

So ayun, I initially offered one of my current fave from PRU, etong PRUHealth Prime. I really like this plan because pwede siya for kids. You can get coverage for your little one for as low as ₱1,300/month.

I explained it to the client, but she said she also wanted something for herself, yung may protection na, may maiiwan pa for her family.

So I offered another favorite: PAA+. It’s a lifetime payment plan, so since spread out ang payment, mas manageable ang premium.

Then I did my usual quote.

Most of my clients before, like 9-10yrs ago, they were in mid-20s to early 30s at that time, they were able to get a plan at around ₱2,000/month for this coverage.

But this time?

The quote came out at ₱3,700+ per month.
Client’s age: 38.

⸻

What does this tell us?

Hindi fixed ang presyo ng protection.
Tumataas siya habang tumatagal tayong naghihintay.

Same plan. Same goal.
Pero ibang reality na agad pagdating sa timing.

Yung ₱2,000/month dati, naging ₱3,700+ ngayon. Walang nagbago sa intention, gusto pa rin natin ng protection for Critical Illness at may maiiwan sa pamilya.

Ang nagbago lang? Kailan ka nagsimula.

Grabe.

Dito mo makikita na hindi lang “magkano ang budget” ang usapan. Mas malaking factor yung timing.

Because as we delay:

* tumataas ang risk
* tumataas ang premium
* at mas kumokonti ang options

And the truth is, hindi natin hawak kung kailan darating ang illness.
Pero hawak natin kung kailan tayo magpe-prepare.

If you’re thinking about getting covered, huwag mo na masyadong patagalin. Kasi minsan, hindi lang presyo ang tumataas, pati yung chance na ma-decline or ma-limit ang coverage.

Start when it’s still easy.
Start when it’s still affordable.
Start while you still have options.

Kasi darating yung point na ang tanong hindi na…

“Magkano?”
kundi…

“Pwede pa ba akong ma-cover?”

Protect your today, grow your tomorrow 🌟❤️

PAA Plus from Pru Life UK is a flexible VUL plan that lets you customize your protection while building your investments—all in one smart solution.

📩 DM me to find out how it fits your goals!

𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐢𝐬 𝐩𝐚𝐫𝐭 𝐨𝐟 𝐰𝐞𝐚𝐥𝐭𝐡 𝐛𝐮𝐢𝐥𝐝𝐢𝐧𝐠.

Health protects your body.
Life protects your family.
Property protects what you own.
Income protection secures your earning power.

Because wealth is not just about earning—it’s about keeping it.

One emergency can undo years of hard work. That’s why protection matters.

True wealth is not just what you build, but what you preserve. 💛