Kathleen Cruzem Vargas Financial Advisor

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๐‘พ๐’‰๐’š ๐’Š๐’” ๐’Š๐’• โ€œ๐’๐’๐’• ๐’๐’Œ๐’‚๐’šโ€ ๐’•๐’ ๐‘ซ๐‘ฌ๐‘ณ๐‘จ๐’€ ๐’š๐’๐’–๐’“ ๐’Š๐’๐’”๐’–๐’“๐’‚๐’๐’„๐’†?1. ๐‘ฐ๐’• ๐’ˆ๐’†๐’•๐’” ๐’Ž๐’๐’“๐’† ๐’†๐’™๐’‘๐’†๐’๐’”๐’Š๐’—๐’†The older we get, mas risky na tayo as an individu...
22/12/2023

๐‘พ๐’‰๐’š ๐’Š๐’” ๐’Š๐’• โ€œ๐’๐’๐’• ๐’๐’Œ๐’‚๐’šโ€ ๐’•๐’ ๐‘ซ๐‘ฌ๐‘ณ๐‘จ๐’€ ๐’š๐’๐’–๐’“ ๐’Š๐’๐’”๐’–๐’“๐’‚๐’๐’„๐’†?

1. ๐‘ฐ๐’• ๐’ˆ๐’†๐’•๐’” ๐’Ž๐’๐’“๐’† ๐’†๐’™๐’‘๐’†๐’๐’”๐’Š๐’—๐’†
The older we get, mas risky na tayo as an individual para iinsure ng insurance companies. Kaya mas mahal na talaga ang mga insurance premiums.
๐˜—๐˜ข๐˜ณ๐˜ข๐˜ฏ๐˜จ ๐˜ด๐˜ข ๐˜ฌ๐˜ฐ๐˜ต๐˜ด๐˜ฆ ๐˜ญ๐˜ข๐˜ฏ๐˜จ ๐˜ฅ๐˜ช๐˜ฏ, ๐˜ฌ๐˜ข๐˜ฑ๐˜ข๐˜จ ๐˜ฎ๐˜ข๐˜ด ๐˜ญ๐˜ถ๐˜ฎ๐˜ข ๐˜ฏ๐˜ข ๐˜บ๐˜ถ๐˜ฏ๐˜จ ๐˜ค๐˜ข๐˜ณ, ๐˜ฎ๐˜ข๐˜ด ๐˜ฎ๐˜ข๐˜ญ๐˜ช๐˜ช๐˜ต ๐˜ฏ๐˜ข ๐˜บ๐˜ถ๐˜ฏ๐˜จ ๐˜ฃ๐˜ฆ๐˜ฏ๐˜ฆ๐˜ง๐˜ช๐˜ต๐˜ด ๐˜ฏ๐˜ข ๐˜ฑ๐˜ฆ๐˜ฅ๐˜ฆ ๐˜ฎ๐˜ฐ ๐˜ฎ๐˜ข๐˜ฌ๐˜ถ๐˜ฉ๐˜ข ๐˜ด๐˜ข ๐˜ค๐˜ข๐˜ณ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆ ๐˜ฎ๐˜ฐ. ๐˜š๐˜ฐ ๐˜ฌ๐˜ถ๐˜ฏ๐˜จ ๐˜จ๐˜ถ๐˜ด๐˜ต๐˜ฐ ๐˜ฎ๐˜ฐ ๐˜ฎ๐˜ข๐˜ฌ๐˜ข๐˜ต๐˜ช๐˜ฑ๐˜ช๐˜ฅ, ๐˜จ๐˜ฆ๐˜ต ๐˜ช๐˜ต ๐˜ข๐˜ด ๐˜ฆ๐˜ข๐˜ณ๐˜ญ๐˜บ ๐˜ข๐˜ด ๐˜ฏ๐˜ฐ๐˜ธ.

2. ๐’€๐’๐’– ๐’˜๐’Š๐’๐’ ๐’‰๐’‚๐’—๐’† ๐’‚ ๐’๐’†๐’”๐’”๐’†๐’“ ๐’„๐’‰๐’‚๐’๐’„๐’† ๐’๐’‡ ๐’‚๐’‘๐’‘๐’“๐’๐’—๐’‚๐’.
Of course the insurance company wants to make sure na healthy yung mga iinsure nila since they are giving millions.
As we age, parang makina din ang health natin, may "depreciation".
Kaya most likely kapag mas matatanda na and then may pre existing illness na like hypertension, diabetes, thyroid prob, fatty liver, etc....nagrerequire na ng medical examinations and all.
๐˜ž๐˜ฆ ๐˜ข๐˜ณ๐˜ฆ ๐˜ฃ๐˜ถ๐˜บ๐˜ช๐˜ฏ๐˜จ ๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ข๐˜ฏ๐˜ค๐˜ฆ ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ฉ๐˜ฆ๐˜ข๐˜ญ๐˜ต๐˜ฉ, ๐˜ฏ๐˜ฐ๐˜ต ๐˜ธ๐˜ช๐˜ต๐˜ฉ ๐˜ฎ๐˜ฐ๐˜ฏ๐˜ฆ๐˜บ. ๐˜’๐˜ข๐˜ฉ๐˜ช๐˜ต ๐˜จ๐˜ข๐˜ข๐˜ฏ๐˜ฐ ๐˜ฑ๐˜ข ๐˜ฌ๐˜ข๐˜ญ๐˜ข๐˜ฌ๐˜ช ๐˜บ๐˜ถ๐˜ฏ๐˜จ ๐˜ฌ๐˜ข๐˜บ๐˜ข ๐˜ฎ๐˜ฐ ๐˜ช๐˜ฃ๐˜ช๐˜จ๐˜ข๐˜บ ๐˜ฑ๐˜ข๐˜ณ๐˜ข ๐˜ญ๐˜ข๐˜ฏ๐˜จ ๐˜ฎ๐˜ข๐˜ช๐˜ฏ๐˜ด๐˜ถ๐˜ณ๐˜ฆ ๐˜ฌ๐˜ข, ๐˜ช๐˜ง ๐˜ฉ๐˜ช๐˜ฏ๐˜ฅ๐˜ช ๐˜ฌ๐˜ข ๐˜ฏ๐˜ข ๐˜ฉ๐˜ฆ๐˜ข๐˜ญ๐˜ต๐˜ฉ๐˜บ, ๐˜ฉ๐˜ช๐˜ฏ๐˜ฅ๐˜ช ๐˜ฏ๐˜ข ๐˜ต๐˜ข๐˜ญ๐˜ข๐˜จ๐˜ข ๐˜ฑ๐˜ฐ๐˜ด๐˜ด๐˜ช๐˜ฃ๐˜ญ๐˜ฆ ๐˜ฎ๐˜ข๐˜ฌ๐˜ข๐˜ฌ๐˜ถ๐˜ฉ๐˜ข ๐˜ฑ๐˜ข.

3. ๐‘พ๐’† ๐’Ž๐’Š๐’ˆ๐’‰๐’• ๐’๐’†๐’—๐’†๐’“ ๐’ˆ๐’†๐’• ๐’‚ ๐’„๐’‰๐’‚๐’๐’„๐’†.

We prepare for 2 things in life:

1. Predictable events- Pagcocollege ng anak natin, pagbili natin ng bahay, retirement, etc.

2. Unpredictable things- Sickness, accident, death, and disability.
LIFE IS UNPREDICTABLE.
Everyday, madaming pwede mangyari โ€” accident, disability, illness and even death. Hindi natin alam kung kailan to mangyayari sa atin.

Hopefully, kapag dumating man ito, ready tayo - financially.

๐˜—๐˜ข๐˜ณ๐˜ข๐˜ฏ๐˜จ ๐˜ง๐˜ช๐˜ณ๐˜ฆ ๐˜ฆ๐˜น๐˜ต๐˜ช๐˜ฏ๐˜จ๐˜ถ๐˜ช๐˜ด๐˜ฉ๐˜ฆ๐˜ณ ๐˜ญ๐˜ข๐˜ฏ๐˜จ. ๐˜•๐˜ข๐˜จ๐˜ญ๐˜ข๐˜ญ๐˜ข๐˜จ๐˜ข๐˜บ ๐˜ต๐˜ข๐˜บ๐˜ฐ ๐˜ฏ๐˜ฆ๐˜ต๐˜ฐ ๐˜ด๐˜ข ๐˜ฉ๐˜ฐ๐˜ถ๐˜ด๐˜ฆ ๐˜ฑ๐˜ข๐˜ณ๐˜ข ๐˜ช๐˜ง ๐˜ฆ๐˜ท๐˜ฆ๐˜ณ ๐˜ฎ๐˜ข๐˜จ๐˜ฌ๐˜ข๐˜ด๐˜ถ๐˜ฏ๐˜ฐ๐˜จ, ๐˜ฎ๐˜ฆ๐˜ณ๐˜ฐ๐˜ฏ ๐˜ต๐˜ข๐˜บ๐˜ฐ ๐˜ฎ๐˜ข๐˜จ๐˜ข๐˜จ๐˜ข๐˜ฎ๐˜ช๐˜ต. ๐˜๐˜ช๐˜ฏ๐˜ฅ๐˜ช ๐˜ฏ๐˜ข๐˜ฎ๐˜ข๐˜ฏ ๐˜ต๐˜ข๐˜บ๐˜ฐ ๐˜ฃ๐˜ช๐˜ฃ๐˜ช๐˜ญ๐˜ช ๐˜ฏ๐˜จ ๐˜ง๐˜ช๐˜ณ๐˜ฆ ๐˜ฆ๐˜น๐˜ต๐˜ช๐˜ฏ๐˜จ๐˜ถ๐˜ช๐˜ด๐˜ฉ๐˜ฆ๐˜ณ ๐˜ฉ๐˜ข๐˜ฃ๐˜ข๐˜ฏ๐˜จ ๐˜ฏ๐˜ข๐˜ด๐˜ถ๐˜ด๐˜ถ๐˜ฏ๐˜ฐ๐˜จ ๐˜ฏ๐˜ข ๐˜บ๐˜ถ๐˜ฏ๐˜จ ๐˜ฃ๐˜ข๐˜ฉ๐˜ข๐˜บ ๐˜ฅ๐˜ช๐˜ฃ๐˜ข?

I hope before 2023 ends, insured ka na ๐Ÿ™‚
Message ka lang. ๐Ÿ˜Š๐Ÿค

ctto

In this day and age, we can never be sure what the future holds.No matter what comes your way, be prepared with a Life I...
29/11/2023

In this day and age, we can never be sure what the future holds.

No matter what comes your way, be prepared with a Life Insurance plan that works for your budget.

For only P100 a day, secure yours and your family's future!

Send message for FREE QUOTATION ;)
Tara save natin 13th month mo :)



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Message now for a free quotation.


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Use your 13th month pay to avail a plan that will pay you more than 13 times of the amount of your 13th month pay in case something happens to you.

A plan that will give you more than 13 times of the amount of your bonus if nothing happens to you.




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Having a hard time picking out the best gifts for your loved ones?
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A Life Insurance and Investment Plan that is customized to their needs may just be what they most need!

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Our kids, they're the future generation. We should clear their path and help them achieve their dreams.

Make sure your children reach their full potential without worries!

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FACT: Your Life Insurance Coverage should be at least 10 times of your current annual income!

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Inquire now!


When people say "๐—œ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ฏ๐—ฒ๐—น๐—ถ๐—ฒ๐˜ƒ๐—ฒ ๐—ถ๐—ป ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ", napapa-isip ako.๐™ƒ๐™ค๐™ช๐™จ๐™š๐™จ ๐™–๐™ฃ๐™™ ๐™—๐™ช๐™ž๐™ก๐™™๐™ž๐™ฃ๐™œ๐™จ ๐™๐™–๐™ซ๐™š ๐™›๐™ž๐™ง๐™š ๐™š๐™ญ๐™ฉ๐™ž๐™ฃ๐™œ๐™ช๐™ž๐™จ๐™๐™š๐™ง๐™จ. ๐˜พ๐™–๐™ง๐™จ ๐™๐™–๐™ซ๐™š ...
02/09/2023

When people say "๐—œ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ฏ๐—ฒ๐—น๐—ถ๐—ฒ๐˜ƒ๐—ฒ ๐—ถ๐—ป ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ", napapa-isip ako.

๐™ƒ๐™ค๐™ช๐™จ๐™š๐™จ ๐™–๐™ฃ๐™™ ๐™—๐™ช๐™ž๐™ก๐™™๐™ž๐™ฃ๐™œ๐™จ ๐™๐™–๐™ซ๐™š ๐™›๐™ž๐™ง๐™š ๐™š๐™ญ๐™ฉ๐™ž๐™ฃ๐™œ๐™ช๐™ž๐™จ๐™๐™š๐™ง๐™จ.

๐˜พ๐™–๐™ง๐™จ ๐™๐™–๐™ซ๐™š ๐™–๐™ž๐™ง ๐™—๐™–๐™œ๐™จ, ๐™–๐™ฃ๐™™ ๐™จ๐™ฅ๐™–๐™ง๐™š ๐™ฉ๐™ž๐™ง๐™š.

๐™Ž๐™๐™ž๐™ฅ๐™จ ๐™–๐™ฃ๐™™ ๐™–๐™ž๐™ง๐™ฅ๐™ก๐™–๐™ฃ๐™š๐™จ ๐™๐™–๐™ซ๐™š ๐™ก๐™ž๐™›๐™š ๐™Ÿ๐™–๐™˜๐™ ๐™š๐™ฉ๐™จ.

These are the things people ๐™—๐™ช๐™ฎ ๐™–๐™ฃ๐™™ ๐™ฅ๐™ง๐™š๐™ฅ๐™–๐™ง๐™š just in case something bad happens. ๐™๐™๐™š๐™ฎ ๐™Ÿ๐™ช๐™จ๐™ฉ ๐™™๐™ค๐™ฃ'๐™ฉ ๐™ ๐™ฃ๐™ค๐™ฌ ๐™’๐™ƒ๐™€๐™‰.

That's how Life Insurance works. You get LIFE INSURANCE because you know that there are many uncertainties that could happen in life, we just don't know WHEN.

If you're reading this, it's never too late. As long as you are healthy and able.๐Ÿ˜Š

Send me a message and let's discuss your options on how we can protect your most valuable assetโ€” your life.




Deserve mong magkapeace of mind!!!Anuman mangyari, sagot ka ng Insurance mo๐Ÿ˜๐Ÿ˜‡Interested to have yours? Message me for de...
02/09/2023

Deserve mong magkapeace of mind!!!
Anuman mangyari, sagot ka ng Insurance mo๐Ÿ˜๐Ÿ˜‡

Interested to have yours? Message me for details๐Ÿ“ฉ

๐Ÿคช๐Ÿคช๐ŸคชCtto
22/08/2023

๐Ÿคช๐Ÿคช๐Ÿคช

Ctto

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