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Do we really NEED an INSURANCE?

INDO · 76 · 11853

INDO

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on: Jan 15, 2014, 07:51 AM
currently, i am an OFW. insured ng company. my wife is a cancer survivor. naisip ko lang, paano kung uuwi na ako ng pinas for good? kailangan ba talaga natin ng life insurance? wala akong gaanong alam about insurance maliban sa kung ikaw magkasakit may insurance na tutulong magbayad ng bills mo.

paki share naman ng yung opinion. salamat po :)


freefront

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Reply #1 on: Jan 15, 2014, 08:52 AM
 :eek:

INDO, salandi lang. Pakahinahon muna ako, hane?  :censored:


jmces

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Reply #2 on: Jan 15, 2014, 08:58 AM
currently, i am an OFW. insured ng company. my wife is a cancer survivor. naisip ko lang, paano kung uuwi na ako ng pinas for good? kailangan ba talaga natin ng life insurance? wala akong gaanong alam about insurance maliban sa kung ikaw magkasakit may insurance na tutulong magbayad ng bills mo.

paki share naman ng yung opinion. salamat po :)

kelngan m ng life insurance sa tingin ko sa dami mong assets :D
sa life insurance mo pde kunin ng mga maiiwan mo pag yumao ka na yung ipambabayad sa taxes para makuha ang mga ariarian mo. yung health insurance naman pde mo magamit habang nabubuhay ka tuwing magkakasakit basta covered yung illness sa listahan ng iyong policy :D
kung ayaw m mag life insurance pde ka gumawa ng will and testament at humanap ng custodian at mageexecute kapag nawala ka na, or gawan m na ng bank accounts ang asawa at mga anak mo tapos lagyan mo ng milyones pra pambayad nila sakaling mawala ka :D


bj71

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Reply #3 on: Jan 15, 2014, 09:19 AM
Yes if you are the bread winner in the family and if you are not earning around more tha a million anually.

Pero kung mayaman ka na at maraming pera na maiiwan mo sa pamilya mo pag me nangyari sayo ok na wala insurance.


noobydooby

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Reply #4 on: Jan 15, 2014, 09:28 AM
insurance - you don't need..  until you actually need it   hehe

life insurance - when you die, your family will have some money to get by in the immediate future.  understand that the amount of money from the insurance is not to take care of them for a lifetime.  so with that, if you are wealthy, and your family will be OK financially if you die today, then you dont need.  if your kids are already grown up, able to earn income, then you dont need life insurance.

health insurance - i think this is more important, and everyone should have this.


bj71

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Reply #5 on: Jan 15, 2014, 09:32 AM
Ang life insurance kasi para yun sa pamilya mo just in case me mangyari sayo. Pang hospital mo pang libing at siguro pension para sa dependent mo.

Eh kung mapera ka naman di mo kailangan yun, let say me spare ka 2 million as in spare para lang sayo kung sakali me mngyari sayo.

500k - kung na stroke ka at na bypass at least buhay ka pa dito

500k- kung na comatose ka lang dito wala ka ng silbi. Yan lang limit mo pag umabot ka ng ng bill na 500k patangal mo na respirator mo para di ma drain financially family mo

200k- pa libing, wala pa dito yun lote mo kung sakaling sa private mo gusto

My point is in getting an insurance is assess your financial status of your self and your family.

If you are only their lifeline ikaw lang kumikita i would strongly recommend to get life insurance for your family.


edspecks2004

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Reply #6 on: Jan 15, 2014, 10:00 AM
Yes, you need insurance. Don't be afraid to scout the right product for you. Depende kasi yan which one will meet your budget and at the same time has all the coverage that you need. Not all insurance products are the same.


INDO

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Reply #7 on: Jan 15, 2014, 11:35 AM
dami salamat po sa inputs nyo...

...nalilito tuloy ako, kailangan ko ata ilista yung mga pros and cons nito  :hihi: :hihi:


jmces

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Reply #8 on: Jan 15, 2014, 01:59 PM
If the Net Estate is:           
           
Over                 But not Over            The Tax           Plus     Of the Excess Over
                                                         Shall be     
                         P 200,00.00             Exempt     
P200,000.00        500,000.00           0                      5%        P 200,000.00
500,000.00          2,000,000.00        P 15,000.00     8%         500,000.00
2,000,000.00       5,000,000.00       135,000.00       11%        2,000,000.00
5,000,000.00       10,000,000.00     465,000.00       15%         5,000,000.00
10,000,000.00                                 1,215,000.00     20%        10,000,000.00
« Last Edit: Jan 15, 2014, 02:02 PM by jmces »


rds

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Reply #9 on: Jan 15, 2014, 02:44 PM
...minsan sumasagi sa isip ko...kung meron tayong malaking life insurance (say 10M)...at namatay...at nag-asawa uli yung asawa natin...ang sarap siguro ng buhay ng mapapangasawa nya! yun yata yung sinasabing kahit namatay ka, at least meron isang tao kang napaligaya! :D


kithe

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Reply #10 on: Jan 15, 2014, 03:47 PM
Yes we really need insurance, employee, ofw, businessman or mayaman.. There are many advantages and benefits of having life insurance, for Income protection (bread winner supporting your family, like may maliliit ka pang anak, makakapagpatuloy sila sa pag aaral kahit wala ka na.) for estate tax planning ( for estate tax payment para makuha mo mga pera mo sa bank or matrasfer ang properties sa mga naiwan, imbes na yung savings ang pambayad, yung proceeds galing sa life insurance ang pambayad sa tax, dapat asikasuhin na yun 6 months after death, kasi may charges na.) for final expenses, kung namatay ka ng may naiwan kang gastos sa pagpapaospital bago ka binawian ng buhay, mga pinagkakautangan, and pambili ng kabaong at paglilibingan, di mo siguro gustong magkaproblema pa ang maiiwanan mo.. Kung mabubuhay ka namn ng matagal, yung cash value or fund value nung plan mo, magagamit mo sa panggastos mo for your everyday needs..

Financial planning din, pag may time.. :)


kithe

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Reply #11 on: Jan 15, 2014, 03:55 PM
Hehe, rds, its a choice naman if you want to have a partner in life pa or hindi na.. like boots anson roa, shes old na pero nag asawa pa rin ulit.. i have a client her husband died due to car accident 13 years ago, until now di na siya nag asawa, siguro mas pinili niya maging full time mother sa 3 niyang anak, eventhough may nakuha siya sa insurance ng husband niya.. :)


bj71

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Reply #12 on: Jan 15, 2014, 03:58 PM
Yan ay kung ikaw lang lifeline ng pamilya  mo para me proteksyon sila pag nawala ka. At kung wala ka pa savings na malaki.

Pero kung me significant amount of savings ka na ngayon na enough to sustain the education of your children until they finish their college plus savings to finance your hospitalization just in case magkasakit ka. Tani mo na yun pasok mo na sa low risk investment joint with your wife. Wag ka na mag life insurance. Ikaw na lang mag manage ng pera mo.


kithe

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Reply #13 on: Jan 15, 2014, 04:17 PM
Pero how much is enough ba? Pwede ka magkasakit at maospital na ang magagastos mo ay millions of pesos, depends sa sakit mo, mga maintenance, etc..

Yeah, tama yun kung may enough ka na, pwede mo na imanage yung pera mo, withdraw the fund value or cash surrender value, pero what if hindi pa..


bj71

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Reply #14 on: Jan 15, 2014, 04:35 PM
Pero how much is enough ba? Pwede ka magkasakit at maospital na ang magagastos mo ay millions of pesos, depends sa sakit mo, mga maintenance, etc..

pag me insurance ka ba sasagutin ng insurance mo tong mga to o me certain amount lang ikaw iko covered?



 


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