3. Comparative Rates as of
October 7, 2014
Fund Type Prulife Sunlife PhilamLife Manulife
Stock Funds 23.81% 17.91% 16.27% 20.12%
Balanced
Funds
18.85% 12.95% 14.16% 10.81%
Bond Fund 7.02% 6.41% 7.56% 9.62%
Money Market
Funds
0.26% 0.26% 1.4% -
***Returns are based on 5-year returns
4. Bank Vs. Prulife Investment
Bank Prulife
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1. Deposit – Withdraw – Deposit – Withdraw
2. Balance is Up and Down, Up and Down
3. Budget is difficult to balance because ATM is used as
wallet
4. Long-term savings is hard to achieve because periodic
deposit is not compulsory
5. Interest Rate is usually below 1%
6. Choice of account: savings, current or time
7. If diagnosed of critical illness, balance is used for
medical treatment and is depleted.
8. If you die soon, your family keeps the current balance.
9. If you live long, you only get what is left from the “put-
take-put-take” affair.
10. Upon death, balance in banks is subject to ESTATE
TAXES.
The Bottom Line is: Bank Accounts can hardly be relied on
in case of Emergency, Accident, Critical Illness, future
Education, Early Death, Income Replacement or
Retirement.
1. Deposit – Deposit – Deposit - Deposit
2. Fund values grow in the medium to long term
3. Making a withdrawal is not as accessible as ATM
4. Long-term savings may be successful because of periodic
premium payments
5. Interest Rate is illustrated at the “Quotation Proposal”
6. Choice of account: bond, equity, or combination
7. If diagnosed of critical illness, Sum Assured is given to the
policyowner for medical treatment or for any purpose.
8. If you die soon, it’s INSURANCE! Your family gets more than
what you have put in over the years.
9. If you live long, it’s SAVINGS for EDUCATION, INVESTMENT &
RETIREMENT FUNDS.
10. Upon death, LIFE INSURANCE PROCEEDS may be used to
pay ESTATE TAXES.
The Bottom Line is: An Investment-Linked Insurance Plan is
really designed and created for purposes of Emergency,
Accident, Critical Illness,
Future Education, Early Death, Income Replacement or
Retirement.
7. Our Products – (Specific
Needs)
• Pru Educate Plus – this is a 10-year pay product that
provides for payor waiver and other living benefits
• Dream Builder Plus – this is a 7-year pay product that
provides for living, disability and death benefits
• Pru Secure Retirement – this is a regular pay product
that provides living, disability and death benefits
• Pru Family Cover - this is a 15-year term insurance that
is convertible to either whole life, endowment or regular
prulink insurance after the 4th
year of coverage before
the insured reaches the age of 60
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8. Our Products – Protection
Needs
• Prulink Health Protect – this is a regular pay prulink
product that provides for total permanent disability,
accidental death and disablement, critical illness
benefit and living benefits at a lower premium.
• PIA Plus – this is a one-time pay investment and
protection product that provides for total permanent
disability, death benefits, withdrawable values and
additional term riders whose minimum investment is
one hundred thousand pesos
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9. Our Products –
Comprehensive Package
• Prulink Exact Protector – this is a 5,7,10,or 15 year pay
insurance that provides for living, disability, personal
accident, critical illness and death benefits.
• Prulink Assurance Account Plus – this is a regular pay
product that provides for living, disability, personal
accident, critical illness and death benefits.
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21. A life insurance investment serves two
very important financial planning
components – wealth protection and
savings.
Too often, we are preoccupied on wealth
accumulation that we fail to plan for how
we can transfer the wealth efficiently and
effectively when the time comes.
I can help you do just this and more.
Having known finance and accounting in
my entire career before becoming involved
in life insurance, I can provide a holistic
point of view for your financial planning.
22. SARAH S. SONGALIA, CPA, RFC
FINANCIAL CONSULTANT/ADVISOR
PRULIFE UK
• Member of the Million Dollar Round Table, an
association of the top 10% financial advisors
of the world whose membership is by
qualification and invitation only.
• Court of the Table awardee
• President’s Club awardee
• Quality Circle Awardee
• Asian Circle of Excellence (ACE) Awardee
• Has helped a lot of corporations and
individuals in the last 3 years achieve
retirement, succession and financial plans.
Editor's Notes
Since 2004, I have managed my own business. There came a point when my clients were transitioning. Some wanted to retire. Others wanted to know if they can retire. That brought me to find out more about finance. I became a Registered Financial Consultant and joined Prulife UK in 2010. This time, I need not look for an investment strategist for my clients whose integrity I can trust. I have put my credibility on the line. I do it for them. This has become a personal mission for me. I believe that the only way to give a better future for our kids is through life insurance and the only way to achieve financial freedom is through careful financial planning.
