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Closed Life Insurance and investment

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Go for the top tier insurance companies.
Manulife, SunLife, PruLife Uk.
Kung ano man ma-pili mo:
Don't give in to proposal sellers.
Wag mahiya magtanong sa Agent.
Ask for a financial analysis.
Ask what will work for your budget.

Mas maganda, habang early 20s. Meron ka na insurance policy.
Since binubundle na nila ang life-insurance w investment, mas mamaximise mo inilalagay mo na pera.
 
personal take:

aralin nyo nalang mag invest sa stock market kung habol nyo din investment, pag insurance kasi hindi yan liquid sila lang gagamit ng pera pang invest sa stocks at other securities, kumbaga naka lock in period kayo for how many years 10, 20 etc

same din lang naman na babayaran nyo per month edi ibili nyo nalang ng shares per month yung contribution, at any time any year pwede nyo ibenta para maging cash

para may idea kayo check nyo kay dailypik(dot)com pero not necessary susundin nyo yung stock picks nya but more on idea kung paano nyo imanage pera nyo for capital growth
 
maganda sa insular, yung katrabaho ko hindi masyado mataas ang sahod nila kinausap yung agent kaya naging 2k per month ang monthly nila.
 
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