EVERYTHING YOU NEED TO KNOW ABOUT VUL

EVERYTHING YOU NEED TO KNOW ABOUT VUL

In the first video, we did a deep dive on why I invested in life insurance and why I like life insurance to go side by side with my other investments. That life insurance is essential now more than ever in the midst of this new normal.

In this video, we would be doing a deep dive on VUL. What is it? What are the pros and cons of it? Why do you need to invest in it? How does this fit into your long term goals as an investor.

We have a very special guest with us in this edition of the podcast, we have the Investment Solutions Director of AXA Philippines, Dexter Agcaoili join us! I hope you enjoy this video as we glean on Dexter’s vast experience and wisdom in the insurance industry.

#LifeInsuranceSeries #VUL #AXA

[vul]

Greetings Marvin Germo, I belive it is me you are refering to in your so called "youtube video" and I just reached out to thank you for the lovely words and education on myself that you've provided to you're amazing community! Thanks again and may you have a splendid rest of your day!

[cathrinamoya]

This is a sample of healthy talks about VUL sa panahon ngayon ang daming fake gurus at nag bibigay ng feedback regarding VUL pero hindi sila professional or wala naman talaga knowledge mamema lang.

[rosaliesantiago]

Hi Sir Marvin waiting for your discussion. Its very interesting 👍

[gailykaira]

Daming galit sa VUL
I got VUL but that is because it works for me. I got insurance for my children in case I would die early .. but if ever I live on. They would be on legal age that I don't worry much for their future so I'll just get the matured amount. Even if it doesn't gain much because of the behaviour of stocks.
I never wanted to be insured for a lifetime. And I never considered VUL as a primary source of investment. Maybe that is why many are mad.
It is a risk. And it is not a pure investment. You are paying the insurance.

[markdsun]

Sir Marvin, would you really recommend VUL over BTID? In your case, do you really have a VUL, and if you have, are you happy with its performance? Thanks

[tipnitati]

VUL is a combination of renewable term and investment. The other charges decrease but the renewable term will gradually increase over time because the cost of renewable term increases over time. I have VUL. I encourage people to get it. I am sharing this for awareness.

[jolethebueno]

Sir Marvin, pwede nyo din po ba discuss yung IMG?thank you po.

[nikkilaurencio]

Pkiexplain Po Ng single pay VUL please

[ryanvincent]

May vul ako dati, di ko na tinapos kahit palugi ko na winithdraw, mas lugi kasi kung itutuloy ko, ang pinayaman mo lang yung mga ahente at company nila. Haha kung gusto nyo ng insurance, yung term na lang, wag vul. Mas maganda yung advice sa rampver financials, dun mas may kontrol ka kung kelan mo gusto mag-invest unlike sa vul pag pumalya ka ng bayad, binabawasan na nila yung pera mo.

[probinsyanongaccountant]

In VUL, is it advisable to have riders like health and care? (Critical illnesses and Hospitalization Allowance). Or do I need to have a separate health insurance policy?

[investcebuph]

Hi sir, question, not sure if na ask na. if you have Extra money and you have both VUL and Stocks, saan mabuting mag add nang money? Stocks na ikaw nagmamanage (COLfinancial) or VUL na yong insurance company.? And why po? Hope mapansin mo yong question ko.

[russelong]

Hi Marvin, thanks for the informative session. Just have a question re: VUL premiums - in most VUL, there is an option to apply a premium holiday after successful completion of premium payments for, let’s say, 10yrs. Once premium holiday is applied, and account value is sufficient to cover cost of insurance, how much is actually being removed from the total fund to maintain coverage? Just want to clarify the point raised in the video that term insurance premiums are recalculated…so, for VUL, premiums aren’t recalculated anymore?

[dripnetworkphilippines-bul]

Hello sir Marvin, appreciate your work.

Ask ko lang po ano po yung ways and means ninyo to transfer funds to and from i.e. binance and gotrade na secure? Natatakot po kasi ako magdeclare ng debit card details ko pag nag tatransact na ako. I have never tried using these apps before. Also, I am an OFW, seafarer by profession. Ano po yung easiest and hassle-free na pagfinance sa apps that I mentioned? We are not always on land so pahirapan talaga kumuha ng OTP when I have to finance it. Thanks po

[jewelserrano]

Hello sir, I have an insurance with VUL. But 5 yrs LNG po ako nkahulog at Ika 10 yrs n po this year. Question po. What would be the impact of this? Is my policy still valid? Will i still get when the policy expires? Thank po in advance.

[hannahandrew]

Thank you for this video. Just recently when i found out that the insurance i bought year 2015 is VUL. Been monitoring the changes of the fund value (up and down) and notice when the fund value goes down, the number of units and the unit price also goes down. Thought only unit price change but the number of units is increasing because you pay montly. Is this really how VUL works? Thanks and God Bless

[pablojesusparas]

Hi sir ask ko lang sana tapos na ako sa 5 year vul product at nag stop nako sa pagbabayad ng premiums but my policy is still active.. pwede bang mag top up nalang at hindi na bayaran ung premiums?

[christiann.quintero]

i think sir. marvin germo... e-train po nilang mabuti ung mga FA nila kasi the policy holder they are confused about their investment and the other FA ng AXA they didnt explain clearly about VUL....nakakalumgkot lang kasi walang kaalam alam ung ibang policy holder..

[remyvlog]

Ang mga financial advisor, hinde yan nagpapaliwanag, gusto lang nila makabinta, kawawa yong walang alam. Kaya alamin muna bago mag invest, or e business nlng ninyo ang pera ninyo.Dahil kung mawalan kana nang trabaho hinde mo na mahuhulugan, hinde na nila ma e refund ang pera mo. Imbis ang mga investor ang tutubo, hinde e sila ang kakain nang pinaghihirapan mo, kaya bago talga mg invest pag aralan muna.

[dahec]

I'm new to all of this and I got VUL just recently. I've seen and heard a lot of negative comments about VUL, would just like to ask what necessarily is bad about VUL? Thanks for the response :)

[maicocomarts]

Im on my 2nd year of a 7 year premium policy (VUL) from a certain insurance company. I am planning to withdraw everything I invested within that 7 year period and just get another policy and repeat the process all over again. Is it a good or bad idea, Sir Marvin?