Insurance 101 for OFWs

Sure ka ba na wala kang nakalimutan? What about insurance?

Dapat kasama sa maletang naglalaman ng mga  pangarap mo ang assurance na
may patutunguhan ang sakripisyo mo.

Insurance gives you and your family another safety net to cope with the uncertainties of working away from home. As a hardworking OFW, mahalaga na mayroon kang back-up na nakahanda tulad ng health insurance, life insurance, savings and investment, and retirement. Anu-ano nga ba ang mga ito?

Health insurance

Health insurance is one of the ways you can take care of your and your family’s health. Ginagamit ito para sagutin ang mga bayarin for check-ups, hospitalization, pagpapagamot sa critical illnesses, at iba pang medical expenses.

Life insurance

Ang life insurance ay isang uri ng insurance kung saan ang beneficiary ay makakatanggap ng pera kung sakaling pumanaw ka. Magandang kumuha ng life insurance kung ikaw ay breadwinner at may dependents tulad ng magulang, asawa o anak, para may matanggap silang benepisyo kung sakaling ikaw ay mawala na.

Investment

Maliban sa ipon sa bangko, ang savings at insurance na may investment o investment-linked life insurance ay makakatulong na mapalago ang ipon mo at makapagtabi para sa mas maginhawang pagbabalik.

Retirement

Ang retirement insurance or retirement plan ay makakapagbigay sa’yo ng pera kapag ikaw ay nag-retire na. Maiging pandagdag ito sa retirement pay galing sa trabaho at benepisyo galing sa SSS o GSIS.

An insurance policy lets you and your loved ones focus on working hard and building your dream life. Kapag may insurance ka, meron ka ring:

Future-proofing your finances

Sometimes, things don’t go as planned. The right insurance policy can help you deal with loss of income due to unforeseen events. Sigurado kang may tutugon sa pinansyal na pangangailangan kapag may insurance ka.

Options to grow your wealth

Investment-linked insurance policies give you more options to put your money in and multiply your wealth. Sa tamang investment, iwas scam, at may iba pang oportunidad na mapalago ang kita.

Retirement to look forward to

Sa panahong gugustuhin mo nang bumalik for good, a retirement insurance can give you peace of mind na may sapat kang ipon to enjoy everything you’ve worked so hard for.

With insurance, kaya mong sumabay ano pa man ang hamon.

Hayaan mong samahan ka ng Pru Life UK sa pagbuo ng pangarap niyo, mula sa pag-alis hanggang sa pagbalik. Set an appointment with us today or talk to a Pru Life UK agent at pumili ng insurance plan na makakaagapay mo.