Hello people! SONA na! And by this time siguro tapos na ang usapn tungkol sa mga resignation, etc. Antayin na lang natin ang impeachment... back to normal lives na. Kaya eto... mag-aalok na naman ako ng insurance :-)
By the way, please don't think of Life Insurance as extra expense. The motto of our agency in life insurance goes this way. "Life Insurance: Money for tomorrow because somebody cared today".
Also, naglagay ako ng P100,000.00 insurance coverage (minimum). Of course this is never enough, pero para sa mga wala pang life insurance, better to have some savings kaysa wala. Anyway, we can get as many life insurance policies as we want (unlike in Fire and Car Insurance)... Pwede rin sa husbands / wives ninyo...
:::::::::::::::::::::::::::::::::::::::::::::::
These are Ayala Life Assurance, Inc. (ALAI) products. The premiums are computed for our age (33 years old). Sa insurance kasi, over 32 years 6 months is considered 33.
Products for Insurance Age: 33 years old
Note: Dividends quoted here are not guaranteed. They will depend on the companys future experience. All other benefits are guaranteed.
Standard benefits are indicated at the bottom of this message.
:::::::::::::::::::::::::::::::::::::::
I. Life Achiever 60
* Insurance Coverage is until age 60. Upon reaching age 60, the amount of coverage will be given in full which you can re-invest or use for anything else. Thus, its like saving money for the old age, while getting insurance in the process. (Also available: Life Achiever 45, 50 and 55)
|
Initial Coverage |
100,000.00 |
500,000.00 |
|
Annual Premium: |
2,877.00 |
12,785.00 |
|
Semi-Annual |
1,553.58 |
6,903.90 |
|
Quarterly |
805.56 |
3,759.80 |
|
Benefits |
100,000.00 |
500,000.00 |
|
Sample Dividend at Age 60: |
67,776.00 |
338,881.00 |
|
Benefit by Age 60 (Living or Death Cloaim) |
167,776.00 |
838,881.00 |
|
Sample benefits before 60: |
||
|
Sample Dividend at Age 55 |
32,768.00 |
163,839.00 |
|
Guaranteed Cash value at Age 55 |
68,500.00 |
342,500.00 |
|
Death Claim at Age 55 |
132,768.00 |
663,839.00 |
|
In case client wishes to terminate plan at age 55 |
101,268.00 |
506,339.00 |
II. Access Gold
* This is the most affordable ALAI product which has lifetime coverage. Paying period is lifetime. However, if dividends and cash values are kept intact, policy could be self-liquidating after 21 years around age 54; or mature as an endowment after 33 years around age 66; that is, well get amount of coverage while still alive but plan terminates.)
|
Initial Coverage |
100,000.00 |
500,000.00 |
|
Annual Premium: |
2,487.00 |
10,835.00 |
|
Semi-Annual |
1,342.98 |
5850.90 |
|
Quarterly |
696.36 |
3,033.80 |
|
Values of Your Plan for continuous payments |
Benefits: |
|
|
Guaranteed Cash Value at age 60 |
33,700.00 |
168,500.00 |
|
Sample Dividend at age 60 |
32,166.00 |
160,828.00 |
|
Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): |
65,866.00 |
329,328.00 |
|
If client dies at age 60, benefits will be (amount of coverage + dividend) |
132,166.00 |
660,828.00 |
|
Guaranteed Cash Value at age 70 |
51,500.00 |
257,500.00 |
|
Sample Dividend at age 70 |
87,059.00 |
435,296.00 |
|
Client, still alive at age 70 but decides to terminate |
138,559.00 |
692,796.00 |
|
Death at age 70 |
187,059.00 |
935,926.00 |
III. Advance 8
* The coverage of this plan is whole life but payment period is guaranteed fixed for eight years and is not dependent on dividends. (Also available: Advance 5)
|
Initial Coverage |
100,000.00 |
500,000.00 |
|
Annual Premium: |
4,491.00 |
20,855.00 |
|
Semi-Annual |
2,425.14 |
11,261.70 |
|
Quarterly |
1,257.48 |
5,839.40 |
|
Values of Your Plan |
Benefits: |
|
|
Guaranteed Cash Value at age 60 |
39,800.00 |
199,000.00 |
|
Sample Dividend at age 60 |
32,763.00 |
163,813.00 |
|
Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): |
72,563.00 |
362,813.00 |
|
If client dies at age 60, benefits will be (amount of coverage + dividend) |
132,763.00 |
663,813.00 |
|
Guaranteed Cash Value at age 70 |
55,000.00 |
275,000.00 |
|
Sample Dividend at age 70 |
84,539.00 |
422,697.00 |
|
Client, still alive at age 70 but decides to terminate |
139,539.00 |
697,697.00 |
|
Death at age 70 |
184,539.00 |
922,697.00 |
IV. Acquire 20
* The coverage of this plan is 20 years, payable in 10 years, guaranteed. In this plan, there are cash returns starting at year 12 up to year 19. On the 20th year, the coverage will be given in full. Thus, the guaranteed total of the cash benefits, excluding dividends, is equivalent to twice the insurance coverage. (Also available: Acquire 15)
|
Initial Coverage |
100,000.00 |
500,000.00 |
|
Annual Premium: |
14,435.00 |
70,125.00 |
|
Semi-Annual |
7,746.30 |
37,867.50 |
|
Quarterly |
4,016.60 |
19,635.00 |
|
Amount of Insurance Coverage |
100,000.00 |
500,000.00 |
|
Year 1 5 |
100,000.00 |
500,000.00 |
|
Year 6 20 |
200,000.00 |
1,000,000.00 |
|
Cash Benefits |
100,000.00 |
500,000.00 |
|
Guaranteed Cash Benefits, on top of the dividends, can be availed yearly starting at year 12 up to year 20, the total of which is: |
200,000.00 |
1,000,000.00 |
|
If Cash Values and Dividends are left until Maturity |
100,000.00 |
500,000.00 |
|
Normal Maturity (client claims at plan maturity and still alive age 53) |
275,380.00 |
1,376,901.00 |
|
Death Benefit (Age: 53) |
375,380.00 |
1,876,901.00 |
V. Dollar 5
* The coverage of this plan is whole life but payment period is guaranteed fixed because it is not dependent on dividends. All amounts are in dollars
|
Initial Coverage |
100,000.00 |
|
Annual Premium: |
8,565.00 |
|
Semi-Annual |
4,625.10 |
|
Quarterly |
2,398.20 |
|
Values of Your Plan |
Benefits: |
|
Guaranteed Cash Value at age 60 |
52,300.00 |
|
Sample Dividend at age 60 |
31,497.00 |
|
Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): |
83,797.00 |
|
If client dies at age 60, benefits will be (amount of coverage + dividend) |
131,497.00 |
|
Guaranteed Cash Value at age 70 |
65,800.00 |
|
Sample Dividend at age 70 |
53,984.00 |
|
Client, still alive at age 70 but decides to terminate |
119,784.00 |
|
Death at age 70 |
153,984.00 |
VI. Dollar Whole Life
* This is the dollar denominated whole life insurance coverage with whole life payment period. However, if dividends and cash values are kept intact, policy could be self-liquidating after 22 years around age 55; or mature as an endowment after 38 years around age 71; that is, well get amount of coverage while still alive but plan terminates.)
|
Initial Coverage |
100,000.00 |
|
Annual Premium: |
1,965.00 |
|
Semi-Annual |
1,061.10 |
|
Quarterly |
550.20 |
|
Values of Your Plan for continuous payments |
Benefits: |
|
Guaranteed Cash Value at age 60 |
37,300.00 |
|
Sample Dividend at age 60 |
20,757.00 |
|
Thus, if client still alive at age 60 but decides to terminate, benefits will be (cash value + dividend): |
58,057.00 |
|
If client dies at age 60, benefits will be (amount of coverage + dividend) |
120,757.00 |
|
Guaranteed Cash Value at age 70 |
55,100.00 |
|
Sample Dividend at age 70 |
41,276.00 |
|
Client, still alive at age 70 but decides to terminate |
96,376.00 |
|
Death at age 70 |
141,276.00 |
Standard Benefits for all Products
* Premiums waived in case of disability
* Loans are available (80% of cash values). Interest rate: 1% per month. Same day release of loan
* Policy starts to earn dividend on the second year.
* Coverage will double in case of death due to accident; or triple in case of special accidents such as while being a passenger in public land transportation (like bus or jeep), or while in an elevator or burning theater, hotel or building (like Ozone tragedy).
* Murder is covered.
* Suicide is covered but only after the second year
Thanks uli and paki share sa inyong family members... God bless ! :-)
Daniel
0917-9177683
__________________________________________________
Do You Yahoo!?
Tired of spam? Yahoo! Mail has the best spam protection around
http://mail.yahoo.com
Ask our other classmates to subscribe, tell them to send an email to:
[EMAIL PROTECTED]
YAHOO! GROUPS LINKS
- Visit your group "4c-math94" on the web.
- To unsubscribe from this group, send an email to:
[EMAIL PROTECTED]
- Your use of Yahoo! Groups is subject to the Yahoo! Terms of Service.
