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Life Insurance: 3 Reasons Why Superman Doesn’t Need It and 5 Reasons Why You Do

July 15, 2013 Carlos 1 Comment

Life Insurance Is a Risk Management Tools

Death, disability, illness are the sad facts of life that could take a toll in one’s finances. And it could happen to anyone, sometimes in a very unexpected moment.

Life Insurance is a Financial Planning tool that every Filipino should know how to use properly.

As a general rule, you SHOULD get a life insurance policy if:

1. You have a spouse and/or children.
2. You have an income.
3. You have health.
4. You have wealth and assets.
5. You have dreams.

Unless you are superman, you should not do away with Life Insurance.

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Consumer Guide, Insurance, Money Talk Disability Insurance, Financial Planning, Health Insurance, Life Insurance, Life Insurance Philippines

Life Insurance Products Sold In The Philippines

January 20, 2013 Carlos 1 Comment

Life insurance is a wonderful financial planning tool. But the way it is SOLD in the market is very problematic…. Unfortunately, a lot of times it works for the agent because most insurance buyers are also unaware of their options or they simply don’t know how to ask the right questions.

The article covers introductory topics about Life Insurance in the Philippines such as:

Term and Cash Value Insurance
Whole Life and Unit-Linked Insurance Products
Endowment Insurance Plans (like Educational Plans and Pension Plans)

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Consumer Guide, Insurance, Saving and Investing Cash Value, College Fund, Financial Planning, Life Insurance, Mutual Fund, Pension Plan, Term Insurance

Your Financial Life: Different Periods and Needs

January 13, 2013 Carlos 1 Comment

Since you have different financial needs at each stage of your life, it follows that you should also prepare for different financial plans for each. But as you notice, there are things that should always be in place like the emergency fund, life insurance and investments.

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Insurance, Real Estate, Retirement, Saving and Investing College Fund, Emergency Fund, Financial Plan, Financial Planning, Health Insurance, Investment, Life Insurance, Pension Plan, Retirement

How To Jumpstart Your Personal Financial Engine

December 6, 2012 Carlos 3 Comments

Money has affected every facet of our lives since the day we were born. Unless you are still in the caves, it’s not so hard to agree with Madonna: “We are living in a material world!”

Since we will be dealing with money for a much longer period of time, here are some good ways to jump-start your personal financial engine.

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Money Talk Emergency Fund, Life Insurance, Risk Appetite, Risk Profile

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FAMI Mutual Fund Advisor

Hi there. I am your host, Carlos Velasco.

I hate scam.
And I am allergic to hype.
As your FAMI Mutual Fund Advisor,
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Smart, Confident and Fearless Investor!

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