thank you mga ka espiya at interested kayo sa topic
@ericjohn1986 - may tama ka. but its not just the big 3. marami na insurance companies and the best ones have bank partners. take a look at axa partner mertobank, sunlife grepa: rcbc, generali philippines: BDO, philam: BPI, manulife: chinabank, cocolife: UCPB. yan ang masabi ko na matatag.
@piningerZ - true, it its riskier. rule of thumb the higher the rates the riskier the investment where with or without insurance. sa case mo u have a variable insurance good side is malaki ang kikitain nyan 12% is good in bad situations kung hindi maganda ang investment ng variable insurance mo u have to pay the deficit yun ay kung mag-negative ung funds.
@meteorfreak - you need advice my friend. sabi nga ng mga financial planners "let money work for you". question, HOW? invest. invest now while your still young and capable of working. regarding sa mga insurance companies na ng sasara, 1st is because wala silang bank partner, kahit gaano ka tagal nyan it doesnt mean matatag. 2nd ung investments nila, you have to be aware kung saan nila invest. take CAP for example. ng invest cla sa lupa. bumili cla ng lupa sa province nung dumating na ang tuition wala cla mahugot sa nainvest nila kasi hindi madali ibenta ang lupa sa probinsya.
@Don One - tried PMing you but to no avail. ahaha cyberspace is getting smaller. wanna invest? ahaha
@gkhan - sorry to bust your balls but prudential life has file bankruptcy as far as i know roughly 10 Billions pesos and deficit nila. but manulife is stable lalo na't meron sila chinabank.
@drailph - st. peter is close to getting a spot with the great insurance companies. problema lang kc sa kanila ung ibang agents nila misleading makabenta lang. just be aware.
@rylie_69 - what do you mean?
@idiot - there is truth to what you say. pero hindi lahat ng sara. some insurance companies still stand tall because there are good at investing and getting financial partners. take BDO for example. number 1 bank in the RP is also connected to SM group of companies na kita mo all over the phillipines. what i want to point out is dont close you doors to financial institutions (insurance companies) the are there for a reason. peace
btw we cant say na hindi maganda ang companies na ngbibigay ng dividends. perspective lang yan its still income. dividends are not guaranteed but if a company earn so much the creditor of the dividends get a handful of cash as well.
@adjoiving - tama.
