29/05/2026
One of the best decisions I made at 23 years old was getting my first insurance. ๐ค
Back when I was a 4th year college student with sobrang dami kong โwhat ifsโ sa buhay.
โWhat if may mangyari sa akin?โ
โWhat if ma-diagnose ako with critical illness?โ
โPaano na lang pamilya ko?โ
โPaano na lang ako?โ
Honestly, during college, pinababayaan ko na talaga sarili ko. Kape became my everyday survival partner just to keep up with life. My routine was exhausting.
Work sa umaga hanggang hapon.
School from 5:30 PM until 9:30 PM para makuha yung diploma na ipinangako ko sa 8-year-old self ko.
Then after class, derecho tindahan para tumulong kay Mama magbantay at magtinda.
Pagod physically, mentally, and emotionally.
Kaya sobrang takot ako sa uncertainties ng buhay.
Early January 2022, gumawa ako ng Top 10 Goals ko as a graduating studentโฆ and one of them was:
โGet insured.โ
Little trivia:
Noong 20 years old ako, first time ko ma-introduce sa insurance by someone from a red company. Pero during that time, wala pa talaga sa isip ko yung insurance. Aside sa limited pa knowledge ko noon, hindi ko rin afford yung offer na around โฑ3,000+ monthly dahil maliit pa sahod ko at may school expenses pa akong binabayaran.
But because of fear and realization, kumuha ako eventually through my SHS classmate and now friend/advisor, Kai. ๐ค
She introduced me to Sun Maxilink Prime and explained to me na hindi lang pala ito about death claims, but also protection for myself and for my family habang nabubuhay pa ako.
The plan I got was Sun Maxilink Prime with riders such as:
โจ Critical Illness Benefit
โ in case ma-diagnose ako with major or minor critical illness, may financial support akong maaasahan for treatments, medications, and recovery expenses.
โจ Hospital Income Benefit
โ if ever ma-hospital ako, may additional cash assistance na makakatulong sa unexpected hospital expenses and daily gastos.
โจ Death Claim Benefit
โ just in case kunin na ako ni Lord unexpectedly, may maiiwan akong financial support sa family ko. Mine has 200% face amount coverage which means additional protection for them.
โจ Accidental Death Benefit
โ if accidental yung cause of death, may additional benefit na makukuha yung beneficiaries aside from the basic coverage.
โจ Waiver of Premium during Disability
โ if ever may mangyari sa akin and maging permanently disabled, tuloy parin yung insurance coverage ko kahit hindi ko matapos personally yung remaining payments.
And honestly, during my first year sa plan, nahirapan talaga akong magbayad because sobrang gastos maging graduating student. But thankfully, VUL type yung plan ko, so hindi agad nag-lapse kahit may months na hindi ako nakakahulog.
Then almost second year of my plan, I was finally able to reinstate and continue it.
So sa mga nagtatanong sa akin ngayon:
โWorth it pa bang ituloy ang insurance?โ
Based on my personal experience:
YES. Super worth it. And forever will be. ๐ค
Hanggaโt hindi pa nangyayari yung mga kinakatakutan ko, worth it pa rin.
Kahit mahirap mag-budget.
Kahit struggle financially.
Kahit minsan gusto mo nang i-stop.
Because peace of mind is priceless.
And now, Iโm still want to continue the plan na pinangarap lang noon ng 22 year-old version ko. ๐ฅน
Thank you so much, Kai for helping me start this journey. I owe you big time. ๐ค
