HOW I GET $10 GROCERY VOUCHER EVERY WEEK

Hello guys, 

I want to share my experience on how I get $10 FREE VOUCHERS every week up to $40 monthly and probably get $120 cash back every year.

Other GREAT BENEFITS I enjoy are:

(1) Discount in True Fitness Gym & Yoga

(2) Discounts watching in Golden Village Cinema

(3) Discounts in some of my AIA Insurance Policies

(4) Air Asia discount for flight fare

(5) Discounts in Fitbit and Polar Fitness Devices

(6) So much more!

I know you want to SAVE more money in your GROCERY BUDGET.

A STARBUCKS lover maybe? 

Or perhaps using so much UBER and you find it heavy in your transportation budget?

Well, good news you can get it and it's EASY!

Below photo are your Voucher of Choice every week:

Voucher of Choice

AIA introduced the AIA Vitality where you can get rewarded by simply staying HEALTHY!

Well for me… All I do is WALK.. Yes! your are correct, just walk!

The condition is simple.

You only need to hit 250 points a week (Monday to Sunday) and BOOOM! You get a $5 voucher of your choice..

To have this benefit you need to sign up for AIA Vitality Account (ASK ME HOW) then download in your phone the Vitality weekly mobile app (this is the mobile app where you can claim your vouchers).

Vitality Weekly App

Once you have sign up and downloaded the app, link your AIA Vitality account to your Phone’s Health Default App

(Samsung is S Health and Iphone is Health) You can try it in other phones but these are the phones I have experienced so far. 

HOW I GET $5 VOUCHER WEEKLY:

7,500 steps in a day = 50 points

12,500 steps in a day =100 points

You will need to accumulate 250 points from Monday to Sunday to be entitled of the $5 voucher of your choice (COLD STORAGE, UBER or STARBUCKS). Once you reach 250points, you will be prompted in your Vitality Weekly mobile app about the reward and you can use it right away. 

Remember that your voucher is only valid for 2 weeks. It means you need to use it within the next 2weeks or otherwise it will expire and will be wasted.

So if you are a person whose work requires you to walk a lot, then CONGRATULATIONS! Welcome to the CLUB! It is very easy for you and you earn this benefit week by week. ENJOY!

HOW I GET $10 VOUCHER WEEKLY:

Form a group by gathering 3 more people under you. If the 4 of you managed to hit 250 points each within the week, as the leader of the group, you are entitled to an extra $5 Voucher making it $10 per week. If you and your group keep on hitting every week in a month, you can get up to $40 Vouchers just like me. Just be sure to encourage your group to walk more to get the extra reward. 

Below is the picture I took when I got $10 Cold Storage Voucher by hitting the 250point together with my group.

Team reaching 250 points

My name is Medz Ron Pedrosa Macasaet.
A Financial Services Consultant of AIA, Financial Literacy advocate speaker, an investor and a businessman.

For more inquiries, please press LIKE & MESSAGE US in our Facebook Page Save Invest Secure.

Or MESSAGE/CALL US: +6584285361

SG Hospital Bill almost P700,000 for 3days Stay

A client of mine for years, a Filipina Professional worker in Singapore has been hospitalised for 3days last July 2016. The bill amounted to $20,000++ or almost P700,000 in peso. Such amount can be used to buy a house or a big lot in the Philippines.

Thankfully, the bill has been covered and paid by her personal insurance.

Bill picture is the original copy of interim receipt. 

Bear with me and pls imagine this to yourself. As a professional foreign worker paying that same amount of money probably smaller maybe bigger because you got hospitalised due to an illness or accident. How would you feel? -Probably scared.

Well, Im not scaring you. Nobody wants to be hospitalised. Im just opening your mind to see further how can it impact you. You and I are vulnerable to accident and illness. Such as simple chest pain might be a serious illness later, etc...

Imagine how devastating it can be to your dreams and for your family. All your life savings can be gone in a snap. Your proud financial achievements working abroad such as Condos, House & Lot, Business and more, especially your finances will be negatively affected.

You did not come to foreign land to pay bills.. You left your comfort zone to generate wealth and make life beautiful for yourself and family.

I am a Financial Services Consultant of AIA Singapore. 

I'm writing another blog to open more eyes that insurance is a major player in your finances rich or poor. It is a great tool to protect all your hard earned wealth at a low cost. You do not need to die to get the benefit. If illness happens, you get protected. If nothing happens, you get back your money a little lower or probably way bigger depending to the time of withdrawal.

You do not need big amount of money to protect yourself against uncertainties. It can be tailored to your own financial status.

There are 5 insurance benefits that I can provide you:

(1) Death -this is greatly used for estate taxes and family support for breadwinners

(2) Disability -this will provide you financial support should you become disabled from accidents or illness

(3) Early Stage of Illness -this provides lump sum money to pay for your obligations should you get critically ill even on early stage

(4) Hospitalisation -pays your hospital bills both in Singapore and Philippines

(5) Accidental Benefit- this pays your outpatient and clinical treatment due to injuries

It can be blended together with Savings or investment to make it more suitable to you.

I can be contacted thru my mobile number & email.

Mobile No. +6584285361

Email: medzron@aia.com.sg

Insect bite may cost you more than $600!

Have you ever had a simple injury or accident where you spent hundred over dollars in Singapore or maybe a couple of thousands in other country??

I recently had this case of a simple insect bite where a client of mine got billed a few hundred dollars

This client of mine is a simple and nice lady.
She's been in Singapore for quite some time and been enjoying her stay here.

She bought a hospitalisation and accident plan knowing how high an outpatient or hospital bill in Singapore can be. Couple of weeks ago, she went for a leisure walk and stay in the park. Unexpectedly she was bitten by a small insect which caused her skin to be itchy and with plenty of rashes. 

Not letting it out of hand, she quickly went to a clinic for outpatient treatment. She was examined and given treatment.

It was a shock for her to see the bill more than $500 (Not even a hospital bill!!)

Good thing she got this personal accident plan where she claimed $688.76.

The claim form and receipts was received and acknowledged by AIA on August 27, 2016. 
By August 31, 2016, the claim is already approved

Please see the picture below. 

Disclaimer: Claims settlement varies from case to case.

i'm a licensed financial services consultant, for any inquiries, you may reach me at the details below:

Para Sayo! Bakit maraming umaangal sa pagtaas ng bilihin?

Isa ka din ba sa mga taong nagtatanong o naiinis at nagtaas na naman ng bilihin???

Wag ka mag alala kaibigan.. Hindilang ikaw ang namomoblema. Lahat tayo.

Bago ang lahat, ano nga ba ang ginagawa mo sa pera mo kaibigan pag hawak mo na ang iyong SAHOD na iyong pinaghirapan ng isang buwan??

Ikaw ba ay nag eenjoy sa shopping? OUCH! Sakit sa bulsa! Ready ka na lumuha paguwi
Ikaw ba ay mapagimpok ng pera sa bangko? -Ooooops!! Payamanin mo pa si bangko! 
Ikaw ba ay nagiinvest sa stocks, Mutual Fund, property, negosyo at Insurance?? -WOW! yan ang wais na Pilipino! Saludo kami sayo.

Kung mahilig ka magimpok ng pera sa bangko...
Ang pera sa bangko mo ay kumikita ng interest rate na .1% by average. 
Ang inflation ay average ng 2-5%...

Kung may pera kang P1,000 sa bangko,
sa buong isang taon ang pera mo ay kikita ng P1.
Ngunit dahil sa inflation, sabihin natin 4%.. ang halaga ng pera mo ay P960 nalang dahil sa pagbaba ng value ng pera mo pagkatapos ng isang taon

Masakit ba? Totoo po yan...

Teka teka... Ano ba ang inflation?

Sabi sa WIKIPEDIA...

In economics, inflation is a sustained increase in the general price level of goods and services in an economy over a period of time. When the price level rises, each unit of currency buys fewer goods and services. (https://en.wikipedia.org/wiki/Inflation)

Ito ay ang pagtaas ng presyo ng bilihin.

Kaibigan, naramdaman mo ba ang pagliit ng pera mo?? Hindi di ba??

Ayan ang dahilan ng maraming pagangal ng maraming tao na nagtaas ang bilihin..

Wag po natin sisihin ang eskwelahan na nagtataas sila ng tuition fee, palengke na nagtataas ang gulay, pamasahe sa jeepney... atbp.

Normal po iyon. yan ay sabay sa pag grow ng economy. Ang tanging tanung dito ay..

ANO ANG GINAGAWA MO PARA LABANAN ANG INFLATION??

Meron po kaming paraan.. matutulungan ko po kayo pano labanan itong inflation sa iba't ibang paraan. 

MESSAGE O CALL NYO PO AKO SA DETALYE SA BABA.

SALAMAT. cheers!

Bakit wag ka kukuha ng Insurance! Para sa iyo ito Kabayan!

Sobrang dami na nating mga Professional ngayon sa Singapore. 

Matagal man o bago, malaki ang sahod at sakto, marami pa din ang hindi kumuha ng Insurance sa maraming kadahilanan..

(1) Mawalan ng pambayad paglipas ng ilang taong paghuhulog. Totoo nga naman na hindi tayo panghabangbuhay sa ibang bansa. Kaya kailangan isipin ng wasto kung kaya ba ng cash flow itong bayaran, tama ba ang laki ng gastusin o hindi.

(2) hindi pwede magwithdraw ng pera pag kinakailangan. -depende sa Insurance na kinuha ito ng isang tao ito. Kaya kailangan makita mo ang nararapat na insurance para sayo.

(3) masyadong mahal ang bayad. -meron kasi sobra maningil hindi naman kayang isustain ang bayarin lalo na pag umuwi na sa pinas. Kaya ang iba natakot kasi alam nila mahirap panatilihin ang pagbabayad.

(4) Magsara ang Insurance Company. Madami kasi nawalan ng pera sa mga pre-need companies sa Pinas noon. Pero iba po ang Insurance companies sa mga pre need companies. 

(5) maSCAM. Hindi ito maiwasan kasi may mga tao pa din naloloko ng mga agents para sa benta at komisyon nila. Pero meron pa din namang mga kalidad at hindi mandurugas na ahente. Lahat sila pare parehas ang binebenta ngunit nagkakaiba sa serbisyo at intergridad sa pagbebenta ng insurance.

Ilan lang yan at marami pang ibang dahilan...
kaibigan, mag iingat ka sa pagbili ng insurance at wag basta basta magtiwala.

Pero, bakit nga ba kailangan natin ng Insurance?

Simple lang naman... KAIBIGAN at KABAYAN dugo at pawis sa ibang bansa ang pinuhunan mo para sa perang iyong naipon, sa mga yaman like bahay, condo, stocks, mutual funds, negosyo,kotse, edukasyon ng anak, suporta sa pamilya, atbp...

Masaya ako para sa iyo kaibigan. Ngunit naisip mo na ba kung ikaw ay:

(1) Naospital? 
(2) Naaksidente?
(3) Nagkasakit (Cancer/ heart attack/ stroke)
(4) nalumpo at mamatay??

San ka kukuha ng pera? Sa mga inipon mong yaman? Yung iba sa utang... At ano susunod?.... 
Kaibigan, kailangan mo ng Insurance kahit sino ka man. Isang magandang solusyon ito sa maraming bagay sa maliit na halaga. Pinaghirapan mo ang yaman mo para magkaroon ka at ang mga mahal mo sa buhay ng magandang buhay.. 

Bakit gagamitin mo lang pambayad ng Resibo na ibibigay sayo ng ospital???

Kapag nagkasakit ka?? nagsimula sa simpleng pitik ng sakit sa dibdib akala mo wala sabi ng doctor wala, pero ilang taong paglipas, ito pala ay isang sakit sa puso? 

Isa sa pinakamasakit na mangyari sa kabila ng mga tagumpay mo sa buhay ay ang mawala lahat ng pinaghirapan mo at mahirapan ang pamilya mo sa isang bagay na kaya mo solusyunan ngayon. 

Kaibigan, wag ka matakot sa Insurance dahil ito ang matinding sandata at kakampi mo sa panahon na kailangan mo ng pera dahil sa mga bagay na hindi inaasahan. 

Bibigyan ka nito ng garantisadong suportang Financial.

Bilang Financial Literacy Advocate,

Ako po ay naniniwala sa aking propesyon bilang Financial Services Consultant na humahawak ng daan daang pilipino at iba pang lahi ng kanilang Financial Portfolio.

Marami na din akong natulungang Pilipino sa kanilang:
(1) Gastos sa ospital at ito ay nabayaran. 
(2) Nakapagtabi ng kanilang pera para sa kanilang mga pangarap sa buhay
(3) Marami akong natulungan na isatama ang kanila portfolio sa cash flow, atbp.

Sa mga taong gusto malaman ano po kaya gawin ng Insurance sa kanilang buhay bilang OFW, pakibigay alam lang sa akin sa detalye sa baba. 

Salamat. GODBLESS!

IT'S TRUE: You can have Guaranteed Yearly Income for the rest of your life

Hello Fellow Readers,

Im a Filipino Financial Services Consultant of AIA for 3years now. I have been dealing with many different nationalities in Singapore and have clients from other parts of the world.

Many of us work very hard. We want our hard earned money to work for us where it can provide guarantees to our future. Most people wants guaranteed steady flow of income year after year.
Yet many struggle since they cannot take so much risks.

What if you can have a Savings Plan that will provide you with Guaranteed Income Payout year after year until you pass away(RIP)???

Not many people know about it since this savings plan is meant for legacy planning for rich people.

Now, what if it is available to you at a range where even normal employee can afford?

In AIA, we can provide you with such Savings Plan.

First, WHAT ARE THE BENEFITS?

(1) You will receive a guaranteed payout every year starting end of 10th year onwards until age 100.

(2) It provides you life Insurance cover for death

(3) It provides you dividends that is being declared every year by the company. (once declared it is considered Guaranteed money for you)

(4) Limited Saving of Premium yet guarantees lifetime until age 100 benefits

(5) Comes in SGD or USD Denomination

(6) Can add on benefits like Waiver of Premium

(7) Can add benefit like Critical Illness Lump Sum Cover

(8) Can provide Yearly payout for your children when you are no longer around up to your grandchildren. This plan will make a great memory that will last for 3 generations

This plan is a unique type of whole life where it provides many guarantees for the person who has this plan.

The Guaranteed Payout you will receive can be used for:

(1) Children Education (great contribution)
(2) Emergency Funding
(3) Funding your Yearly Treats ( Travels, events, charity, etc)
(4) Additional Retirement Income
(5) Children Guaranteed money yearly when you are no longer around
(6) Estate tax payment
(7) Many more depending on your lifestyle.

If you find this plan interesting, Please:

Message me in my Facebook Page: Filipino Save Invest Secure SG
Message or Call me : +65 8428 5361 / medzron@aia.com.sg

For more reference please see my attached name card.

Thank you very much. GOD Bless!

READ: Common Questions by Filipinos in SG

Hello Fellow Readers,

One of the most asked questions before and until now many are unsure.

Its a photo I saw online.

The answer to the above photo is a big YES!

IMPORTANT SIMPLE POINTS

POINT 1: Occupation

• Mostly all types of occupation are eligible to get insurance here in Singapore except for those who are working as Maids and Construction Workers. 

POINT 2: Pass Eligibility

• All work passes here can get insurance except for the 2 above occupations.
• For tourists holding passports are allowed to get Life and Health Insurance here. They can even get a Comprehensive International Insurance
• Many foreigners here buy health insurance for their parents and children for international cover.  

WHY INSURANCE?

Insurance is one of the best financial tool that protects all your hard earned wealth against your death, disability, critical illness and hospital bills.

(1) Death 

• You cannot see your future. We might die later, tomorrow or sooner before all our goals for ourself and family comes into fruition. 
• What will happen if we die early? Say for example you have an amortization and other unfinished debts? What do you think will happen? It will bring emotional and financial drain to your loved ones. You dont want that, do you?
• Once we die, our wealth will be taxed by BIR. We call it ESTATE TAX my friends. The first beneficiary of all hard earned wealth is BIR. Many hates paying tax. Many are avoiding it but be careful as there are legal and cheaper way around it. Well my friends, insurance is one of the best way to pay for estate taxes. 

(2) Disability

• What is your greatest asset? Your House? Your Business or company? Your car? .....My friends, your greatest asset is your self. it is because of your brain and body you can generate money. Disability Insurance can pay for your future and guarantees that your income is stable whatever happens to you.

(3) Critical Illness

• Oh... the one I hate the most.. My family experienced this unexpectedly and felt the emotional and financial drain. I assure you all, this is a big drain should happen to oneelf or any family member. How much is your monthly expense? If this happens, you multiply it 5X, 10X or more.. It will drain you and be ready to let go some of your hard earned wealth.
• CANCER, HEART ATTACK and STROKE (My father had this) are the 3 common critical illness out there that will slowly suck life out of any of us. Without any financial protection for this is really really very serious. Better have this in your portfolio big time. 1 out 5 got cancer. Ask yourself... It might be you, your neighbour, friends, family member??? Be ready.

(4) Hospital Bill Cover

• I made a blog last year of how much can a few stitches cost us here in Singapore. Many say, "I have company insurance." Before you throw those words better check your benefits first. Some company insurances are incomplete. There's always a limit. Better talk to your HR now!
• This is our number 1 line of defence against immediate financial drain. 

My Friends, many avoid Insurance... It is a must and should be one of top priority.

Many people say, "I do not have money to buy insurance." I always find these people funny. 

They can buy gadgets, go for holiday, eat expensive lunch and dinner and post it in Instagram and Facebook. Yet do not have a budget for one of the most important thing they can do for themselves and their love ones. 

Have you ever think that it the more reason you should get one for yourself?? If anything where to happen, where will you get the money??? You will borrow money?! Up to what extent and how much interest?! Where will you get the money to pay for it???? Ask yourself NOW!
 

'Insurance is good to have it when you don't need it than need it and you don't have it'

-Caroline Banks (Former President MDRT)

My name is Medz Ron Macasaet, Im a Financial Services Consultant handling many Filipinos and different nationalities in Singapore regarding their insurances and other financial matters like savings, investments, emergency funding and many more.

For more questions, please HIT LIKE and Message me privately in my Facebook page or on my details below.

Filipino Save Invest Secure SG

www.facebook.com/OFWConsultant

Thank you for the time reading my blog as a professional financial consultant. These are just some points.

GOD Bless everyone!

ARE YOU PREPARED? Breast Cancer sometimes won't give you Symptoms!

Hello Fellow Readers,

Again, I'm a Financial Services Consultant to different nationalities here in Singapore. I also discuss the concepts of financial planning. 

Thank you for the support and appreciation in my previous blog about opening the eyes of many people of how much can a normal hospital bills here in Singapore can be.

Recently, a company released a claim to regarding Breast Cancer.

Name and details about her will not be disclosed.

This person is a healthy individual who did not even realize she has BREAST CANCER until it went to its critical stage with just a simple Lump.

Below is the snapshot of the cheque sent to her amounting to $254,138.31

Why do I show this to you???

To show you that CRITICAL ILLNESS is common nowadays and it can happen to any of US. The chance of getting cancer right now is getting higher year by year. But the symptoms are not visible most of the time unless you go for a regular health screening.

Many times people who get into this kind of trouble have little or don't have an Insurance coverage for the lost of income and to fund the on going medical treatment which costs very high.

IT WILL BE SEVERAL TIMES HIGHER THAN YOUR NORMAL MONTHLY EXPENSES.. 

IT MAY ALSO RESULT IN BEING JOBLESS WHICH MIGHT SACRIFICE YOUR HARD EARNED ASSETS. 

Where will you get the money for this?? The best tool for this matter is thru Insurance. 

COMMON WAYS TO GET CRITICAL ILLNESS INSURANCE
1. Standalone Plan or Solely - Can buy alone just like a term insurance
2. Whole life plan/endowment -These policies are suitable for people who wants savings in a form of non guaranteed cash values.
3. Investment Linked Products (ILP)- Suitable for people who wants to have investment and insurance at the same time.

Good thing about this whole life and Investment linked product is that it generates cash values which can be withdrawn or keep inside the policy to generate more value for the rainy days.

Not having enough critical illness coverage is critical to one's portfolio. It will expose us to threats of losing our hard earned assets and welcoming emotional and social difficulties should we got diagnosed of those serious illnesses.

There are ways to reduce the risk of getting ill. Healthy diet with great supplements and proper exercise can reduce the risks tremendously. But this does not guarantee 0% risk free.

There's a lot of critical illness that might strike any of us. Other famous serious illnesses are Stroke and Heart Attack.

PLEASE CHECK YOUR FINANCIAL PORTFOLIO.

THEN ASK YOURSELF, IS IT REALLY ENOUGH???  OR DO I HAVE A COVERAGE FOR CRITICAL ILLNESS?? AM I FINANCIALLY AND EMOTIONALLY PREPARED FOR THIS IF ANYTHING WERE TO HAPPEN?

If your answer is no or not sure, best is for you talk to a Licensed Financial Services Consultant.

Check what can be done for you.

Cheers!

Lesson #1: Emergency Fund (Back up Plan)

Hello Fellow Professionals,

Its been awhile.
I hope everyone is doing great and optimistic with your Financial Portfolios.

Let's discuss the foundation of Financial Planning.

What is emergency fund?

Its a fund that is normally being used for unexpected events in ones life such as losing a job, unexpected family matters, etc. It is one of most important aspect of Financial Planning and also the most liquid asset class in your financial portfolio.

Please be informed that Emergency Fund is NOT fully used for hospitalisations, accidents, critical illness, disability or death. These uncertainties are being managed differently and separately.

Transparently, in my line of profession as a Financial Consultant, with so many people I talked with, Im no longer surprise to hear from many people even from Filipino Overseas Professional (accountants, engineers, managers, nurses, etc) these following answers when I ask them if they have or aware of the Emergency Fund...

These are the common answers:

"Oh, Emergency Fund? What is that?" -You need it I assure you!
"I don't have one. I have so much obligation to my family." -The more obligation the more important it is
"Im paying many investments now." -That is why you need to have one!

How to make an Emergency Fund?

Accumulating your Emergency fund is a real challenge specially to people whose hobby is spending.(travel, shopping, etc).
Computing your fund also requires self confidence about an estimation of how many months do you need to look for another job should you lose your current one.

If you are Single, the normal month range is 3-6months
For married couple with kids is 6-12months.

It depends on your comfort level but follow the range guidelines above. Please do not make it more than one year as it will be saved only in a normal Savings Account and can only earn a very low interest rate of below 1% per year while inflation is set at average 4%. This fund is meant not to earn interest but only a back up for contingencies.
Most of you might be thinking why normal Savings Account?
It must be easy to withdraw should there be any emergency events. This is not meant to be used for sale event in EXPOs, IT Sales, etc... PLEASE! PLEASE! PLEASE!

Accumulating your Emergency Fund needs discipline and commitment to a stabilised and strong financial portfolio. You need to save month by month until you reach the desired month range target. The time you have accumulated enough make sure that its not mixed with your normal savings. You need to open a new savings account in other bank. Do not focus on investments if you don't have this and insurance yet. The less you save for this fund, the harder the fall on your Financial Collapse. Below is the sample on how to compute Emergency Fund:

Why is Emergency Fund very Important in our portfolio?

Emergency Fund is one of the most important liquid asset one can have in terms of doing proper financial planning. Its main purpose is to support all your current obligations and lifestyle should a person lose a job unexpectedly.

Imagine yourself losing a job without any Emergency Fund in a situation you are the breadwinner or someone with many financial obligations such as property amortisations, insurance, investments, etc...

What do you think will happen to all your obligations??

It might be wiped out or for some, they borrow big sums just to provide or pay for all the obligations. Should that be the case, you will be in deep trouble financially. 

Please be reminded that failing to plan is a plan to FAIL.

Act now for yourself and family.

If you need assistance or guidance about financial planning basics, I will be glad to share it to you.
Please stay tuned for more Financial Planning Basics soon..

For more of this kind of informative blogs and posts,
Please like or message us on our FACEBOOK Page: Filipino Save Invest Secure SG
In the upper right part of this blog are the awards given to the blogger.

BE VIGILANT! Health Uncertainties

Hello Fellow Readers,

Again, I'm a Financial Services Consultant to different nationalities here in Singapore. I also discuss the concepts of financial planning. 

Thank you for the support and appreciation in my previous blog about opening the eyes of many people of how much can a normal hospital bills here in Singapore can be.

Recently, a company released a claim to regarding Breast Cancer.

Name and details about her will not be disclosed.

This person is a healthy individual who did not even realize she has BREAST CANCER until it went to its critical stage with just a simple Lump.

Below is the snapshot of the cheque sent to her amounting to $254,138.31

Why do I show this to you???

To show you that CRITICAL ILLNESS is common nowadays and it can happen to any of US. The chance of getting cancer right now is getting higher year by year. But the symptoms are not visible most of the time unless you go for a regular health screening.

Many times people who get into this kind of trouble have little or don't have an Insurance coverage for the lost of income and to fund the on going medical treatment which costs very high.

IT WILL BE SEVERAL TIMES HIGHER THAN YOUR NORMAL MONTHLY EXPENSES.. 

IT MAY ALSO RESULT IN BEING JOBLESS WHICH MIGHT SACRIFICE YOUR HARD EARNED ASSETS. 

Where will you get the money for this?? The best tool for this matter is thru Insurance. 

COMMON WAYS TO GET CRITICAL ILLNESS INSURANCE
1. Standalone Plan or Solely - Can buy alone just like a term insurance
2. Whole life plan/endowment -These policies are suitable for people who wants savings in a form of non guaranteed cash values.
3. Investment Linked Products (ILP)- Suitable for people who wants to have investment and insurance at the same time.

Good thing about this whole life and Investment linked product is that it generates cash values which can be withdrawn or keep inside the policy to generate more value for the rainy days.

Not having enough critical illness coverage is critical to one's portfolio. It will expose us to threats of losing our hard earned assets and welcoming emotional and social difficulties should we got diagnosed of those serious illnesses.

There are ways to reduce the risk of getting ill. Healthy diet, exercise and eating healthy foods can reduce the risks tremendously. But this does not guarantee 0% risk free.

There's a lot of critical illness that might strike any of us. Other famous serious illnesses are Stroke and Heart Attack.

PLEASE CHECK YOUR FINANCIAL PORTFOLIO.

THEN ASK YOURSELF, IS IT REALLY ENOUGH???  OR DO I HAVE A COVERAGE FOR CRITICAL ILLNESS?? AM I FINANCIALLY AND EMOTIONALLY PREPARED FOR THIS IF ANYTHING WERE TO HAPPEN?

If your answer is no or not sure, best is for you talk to a Licensed Financial Services Consultant.

Check what can be done for you.

Cheers!

OPEN YOUR EYES!

Dear Fellow Professionals,

Well, Im just a small fish in a very big pond writing to open up as many eyes as possible about what can happen to you if you FAIL to protect yourself.

Please bear with me. This is my first time doing a blog and I hope I can reach out even more to public and show what's really happening.

Last July 25, a friend of mine (name wont be disclosed) got into an accident here in Singapore while staying here as a tourist. It happened in Raffles area while crossing the street. The accident gave her a broken left leg that needs surgery and wounds in the right leg. She stayed in Singapore General Hospital and was warded in B Class ward for only 4days.

I managed to visit her on 28th of July, her last day in the hospital. On my visit, what I just wanted to do is to cheer her up since she feels alone because all her families are in the Philippines.

After a few moment, the staff nurse asked me to go to the Business Office and get the bill. To my surprise, it went up to $20,565.10! It's equivalent to P650,000 just in 4 days! Please see the photo below for the actual bill...

While my other friend is looking for a lawyer to help us speed up the process since we will be claiming from the insurance of the taxi company. Another friend of mine come to the rescue to settle a partial amount for her to be discharged and stop the meter of the hospital from running.

Now, my friend is recovering.

By the way, the doctor still wanted her to go back for a follow up treatment after couple of weeks. She will be extended here for follow up treatments. And that will incur a lot of costs again.

WHY DID I SHARE THIS STORY???

Imagine yourself in her shoes, as a working individual, single or married. Yet, you always think like...
"It's just a cost for me here!"
"Not my priority"
"I got a lot of things I need to settle right now, I don't have a budget for that"
"Well, I've never been hospitalised since I was born"
"If nothing happens to me, I just wasted my money"

Well anyway, who in a normal state of mind would want to get into an accident or even an illness.. of course NO ONE!

This is what we call Wealth Protection of Financial Planning.

Most of us thinks that its just a waste of money! For those people who think that way, I stand firm in my decision that you are very very wrong! We experienced it badly. Those people who don't even bother protecting themselves are always the ones who end up using all their life savings, investments and all of their assets just to pay for the bills. I've seen this happen so many times but still so many people don't understand what they're doing.

Guys, WAKE UP! Life is not just about us... Its also about the people we loved. Have you ever think that whatever happens to you, it will affect your financial stability and without good financial support, physically and mentally people around you will get drained as well.

Investments you have right now will not guarantee you exactly where it will turn out, but one of these five might hit you earlier...
-Death
-Disability
-Critically Ill
-Accidents
-hospitalised

Imagine what will happen to you and your family if any of that seriously hit you...

I don't say not to do investment or anything that will generate more wealth for you guys. Im pointing out here that we should all give an importance to protecting yourself as you are the main important asset. With enough protection, you can guarantee yourself with full care and support without sacrificing all your hard efforts.

Im a Financial Services Consultant of AIA for 5 years now. Below:

-Investment and Savings Planning
-Retirement Planning
-Insurance Planning
-Tax Planning Basics
-Estate Planning
-Cash Flow Management

I recently finished and passed my studies about Estate Planning In Wealth College of Singapore and taking my Certificate for General Insurance to expand more the services I can provide to my clients.

I hope this go across many people to think and remake their financial portfolio. Its never too late to plan. The most important is DECIDE...

Please like my page: Save Invest Secure's Your Financial Advisor in SG

GOD BLESS!!!