u/Blossom_Lullaby

Any thoughts po sa advice na iwithdraw ang enough fund value na may matitira sa existing VUL para active pa din, then mag open ng traditional term plan. — either protection and savings plan, whole or endowment na lang?

I was told na it is more guaranteed po and not stock market dependent and ganun din daq ginagawa ng most of their clients — most are gearing to get yung may yearly guaranteed cash payouts or guaranteed endowments.

Hi! 1st time to do check deposit. Asked lang po how long ang processing ng check deposit? I uploaded the check last May 14, Thu, 1 pm. Last May 15, nag email si Gotyme asking for more personal info and nabigay ko naman sya agad. I’m monitoring my bank account, and around 5 pm sya nabawas sa account ko. Upon checking my GoTyme this 10 am morning (May 19, Tue), processing pa din sya. How long po latest na papasok sya sa GoTyme account ko? Thank you po.

Hi! 1st time to do check deposit. Asked lang po how long ang processing ng check deposit? I uploaded the check last May 14, Thu, 1 pm. Last May 15, nag email si Gotyme asking for more personal info and nabigay ko naman sya agad. I’m monitoring my bank account, and around 5 pm sya nabawas sa account ko. Upon checking my GoTyme this 10 am morning (May 19, Tue), processing pa din sya. How long po latest na papasok sya sa GoTyme account ko? Thank you po.

35F, married with no kids (not planning tho); not a breadwinner.

I currently have 3 VUL policies na kinuha ko years ago nung hindi pa ako masyadong financially literate and wala pa masyadong resources online.

• Sunlife Flexilink (opened 2015)

- ₱3,500 quarterly

- ₱500k coverage

• PruLink Assurance (opened 2017)

- ₱6,000 quarterly

- ₱1.5M coverage

• Sunlife Maxilink (opened 2021)

- ₱6,000 quarterly

- ₱350k coverage

I can still afford paying them naman, pero nung chineck ko yung fund values, parang around half lang ng total nahulog ko yung current value nila. Medyo nakaka-disappoint honestly.

I asked my Prulife agent if pwede bang stop muna maghulog, and ang sabi sakin continuous payment daw talaga kaya mababa premium pero mataas coverage. Totoo ba yun? Nababasa ko kasi dito yung “premium holiday” option.

Another thing I’m considering is switching my funds to 100% Global Tech for both Sunlife and Prulife since 35 pa lang naman ako and long-term pa sana horizon ko. Wise move ba yun or too risky? May better fund allocation ba kayong maire-recommend?

Or mas practical ba talaga na i-surrender ko na lang lahat kahit more than 5 years na akong naghuhulog, then kumuha na lang ng term insurance + invest separately?

If yes, saan usually nakakakuha ng magandang term insurance dito sa PH?

Would really appreciate honest insights especially from people who kept/surrendered their VULs. Thank you!

Hi! Im trying to cash in my digibanks using my trad banks (bdo, rcbc and secbank)

I read that the limit is 500,000. To maximize the 10 peso transaction fee, im trying to transfer 499,990-500,000 to digibanks but it always fail. I checked the apps pero there is no setting naman on limit transfers.

Can someone enlighten me on this? Wanna minimize kasi the transfer fees since wala naman branch to cash in digibanks. Or any tips po para malessen ang transfer fees and makapag cash in sa digibanks? Thank you.