Author Topic: Which is better? AXA's Locked and Loaded, Winning Edge & Prestige++ (Read 2700 times)

ianiiii · « **on:** Oct 10, 2008, 03:26 PM »

Can anyone tell me which one is better!? I reaslly like the concept of timedeposit+life insurance+variability...

DongViktor · « **Reply #1 on:** Oct 10, 2008, 05:17 PM »

are these all from AXA? i'm not familiar w/ their products.

ianiiii · « **Reply #2 on:** Oct 13, 2008, 10:06 AM »

Nope, Winning edge is from philam and prestige++ is sun life of canada's

Posted on: Oct 13, 2008, 09:44 AM

I really like to know where they invest thier money...

winning edge is in standard n poor index w/c probably is going down,
prestige++ in global index where as not down like s&p but still down...

I'd like to know if it is local, so would I know if it is worth investing...

DongViktor · « **Reply #3 on:** Oct 13, 2008, 10:40 AM »

winning edge is invested in emerging markets so panalo ka dyan

wvb · « **Reply #4 on:** Oct 13, 2008, 11:00 AM »

pag sinabi bang invest sa emerging market, walang chances na bumagsak. di ba lahat affected ngayon. tanong lang po

DongViktor · « **Reply #5 on:** Oct 13, 2008, 11:20 AM »

kasi pag may bumabagsak may tumataas.. hindi ko sinabing ngayon na tataas ha.. hindi kc pdeng lahat bumagsak in the long term ibang usapan na yun.. it's either war or end of the world na yun..

since ang US ngayon ang bumabagsak at tingin ko matagal pa bago makaahon.. siempre merong economy na aangat dyan kasi simple lang naman eh.. kung hindi sa US ngayon papasok ang pera siempre sa iba yan papasok at ito yung emerging markets.. (e.g. asia, europe etc.)

ianiiii · « **Reply #6 on:** Oct 13, 2008, 11:40 AM »

I don't think S&P index is considered as an "emerging market"... matagal na tong index na toh..

Still, anyone know where AXA invest thier lock and loaded?

mikedg · « **Reply #7 on:** Oct 18, 2008, 04:15 PM »

Good Day!!

ianiii -- S&P has various indices. On Winning Edge, Philamlife have chosen S&P BRIC 40 (Brazil, Russia, India, China). This index is composed of top 40 picks from these countries. You can check also www.standardandpoors.com..

Everything is going down. Some see it as fear, some see it as an opportunity to grab, taking for instance the optimism of Warren Buffett, world's number one billionaire, on the economy over a period of time.

ianiiii · « **Reply #8 on:** Oct 21, 2008, 09:13 AM »

Yeah I know... How about AXA? They say it's in Gov't Bonds...

mikejorden · « **Reply #9 on:** Mar 01, 2009, 02:59 AM »

I suggest anyone doing business with AXA be very careful. I have health insurance with them. The biggest mistake of my life. They will use evey subterfuse to delay payment or authorize treatment. I have a whole list of examples.
You have been warned.

spidey · « **Reply #10 on:** Mar 01, 2009, 09:19 AM »

@ ianiiii:

bro ang alam ko yung AXA's Locked and Loaded sa local market lang

parang regular VUL din siya kaso single pay..

Rothschild · « **Reply #11 on:** Aug 30, 2011, 06:59 PM »

DONT INVEST ON Philippine AXA Products kasi its NOT PROFITABLE!!! ang nagsasabi lang na ok yan ay yung mga agents.. ask them for proof kung sila mismo ay bumili ng products nila at sasabihin nila ay hindi..kung meron man ay konti lang para wag lang na masabi na di sila bumili..TAKE NOTE kung talagang profitable yang mga products na yan dapat they ARE WILLING to invest a huge amount of their own money to buy their products di ba? hehe

butuan_888 · « **Reply #12 on:** Aug 31, 2011, 05:11 PM »

Quote from: Rothschild on Aug 30, 2011, 06:59 PM

DONT INVEST ON Philippine AXA Products kasi its NOT PROFITABLE!!! ang nagsasabi lang na ok yan ay yung mga agents.. ask them for proof kung sila mismo ay bumili ng products nila at sasabihin nila ay hindi..kung meron man ay konti lang para wag lang na masabi na di sila bumili..TAKE NOTE kung talagang profitable yang mga products na yan dapat they ARE WILLING to invest a huge amount of their own money to buy their products di ba? hehe

you keep on saying that to all insurance companies

so where do you think is profitable place of keeping your money?....(aside from the alkansiya)

Rothschild · « **Reply #13 on:** Sep 02, 2011, 12:08 AM »

Quote from: butuan_888 on Aug 31, 2011, 05:11 PM

you keep on saying that to all insurance companies

so where do you think is profitable place of keeping your money?....(aside from the alkansiya)

Insurance Companies invest pooled money to Bonds.. I suggest invest directly to bonds (global,sovereign,corporate bonds) or T-Bills and eliminate the "middleman" that is the insurance companies...

Ang style kasi ng insurance company example they invest pooled money in bonds with coupon of 8% per annum and they take out 7% para sa kanila at 1% lang ibibigay sa kliyente! Tapos meron pa sila service charge on top of the 7%! tapos magtataka client bakit ganun 1% lang kita , at ang immediate na sagot ng insurance ay "down ang market" ...Eliminate the middleman and get the whole 8% interest! Tama ba ako? hehehe

mxherr5 · « **Reply #14 on:** Sep 03, 2011, 01:02 PM »

I'm afraid not hahaha

Are you talking about VUL funds? In which case, its more like 1-2.5%
regardless if the fund earned or not.

If you're talking about the insurance component mismo, you seem
to look at only one side of the coin so to speak

The insurance company's job is not to invest your money in your
behalf but to provide well, insurance hehehe

You cannot eliminate the middleman here because you'd need
a middleman or it wouldn't work.

Basically, they collect premiums from policy holders and then invest
those premiums and pay out any benefit due to policy holders.

So they earn two ways, underwriting profit, this is Premiums Collected
less Benefits paid. If their underwriting process is good, only say 1
out of 1 million die, otherwise, lugi sila hehe

The other one is the investing income, or the float.. yun yung nabasa
kong term ni buffet eh. Not sure if its official.
Eto yung invest income galing sa premiums.

Sa traditional insurance, I don't think ang investment income lang
ang basehan ng dividends.
I think their underwriting performance is also a factor.
So for example, they expected they have to pay out on 5 policies
pero 2 lang ang na deads na insured, may kita na sila dun.

Again, insurance is different from investment.

Although, if you are just talking about the VUL funds,
then that means your against MF and UITFs too?

Can't say your wrong there, but if one has no time, no inclination
to learn, then MF/UITF/VUL are a God Send