Financial Planning Pyramid

Wealth
Transfer

rs
DEBT
Wealth

ea
Makukuha ba agad

0y
Accumulation natin lahat ng ito?
o1 Savings Investment Car

S
5t
House and Lot Businesses

Wealth Protection
Emergency Fund (3-6x) HMO Philhealth
S ickness
Health Insurance
Life Insurance
Memorial Plans
Accident
Death
Financial Planning Pyramid
Next Generation
Wealth
Transfer Debt
Question:
Wealth
Do we want to be a blessing or a
Accumulation burden to our children?
Savings Investment Car
House and Lot Businesses

Wealth Protection
Emergency Fund (3-6x) HMO Philhealth S ickness
Accident
Health Insurance Life Insurance Memorial
Life Plan

Death
SAVINGS IN THE BANK
INVESTMENT INSTRUMENTS
If I had P 1 Million, how much will be its value in 20 years?
Php 500,000 Php 100,000
Php 400,000 Php 100,000
Life Insurance: 2M
Accidental Death: 4M
Critical Illness Benefit: 4M
Investment: @ 8% - 10% return
rate in long term investment

Variable Universal Life (VUL) at your Retirement

Php 100,000 Php 6,179
Php 100,000 Php 6,179
Life Insurance: 1M
Accidental Death: 1.5M

Investment @ 10% @65yo: 4,715,910

at your Retirement
Variable Universal Life (VUL)
 Cost and Benefit Analysis*
COST BENEFITS
Monthly: Php 2,500 Life Insurance:
Php 1,000,000
Quarterly: Php 7,500 Accidental Death Benefit:
Php 500,000
Annual: Php 30,000 Investment @10% @65 years
old: Php 5,872,961
10 Years to pay
TOTAL: Php 300,000 TOTAL: Php 7,372,961

*25 y.o Male, Individual  Investing in Equity Funds

 “You have a choice: you can
either be a blessing to your
children when you grow old, or
you can be a burden. Whenever
you ask money from your
children, you're getting money
from your grandkids.”
 Why is there a need
for Health Insurance?
5. Acquire a Life Insurance
5. Acquire a Life Insurance
5. Acquire a Life Insurance
5. Acquire a Life Insurance
5. Acquire a Life Insurance
5. Acquire a Life Insurance
5. Acquire a Life Insurance
 THE REALITY

Most Filipinos are NOT making the RIGHT CHOICES

for their major financial needs.

The National Statistics Office (NSO) 2009 A TRIPLE CARDIAC BYPASS

data shows that SURGERY would normally cost an
FIVE out of 10 deaths are average of
CARDIOVASCULAR in nature. Php 900,000
when done in the St. Luke’s Medical Center.

100
WHO
GET
95
SACRIFIC
53
BORROW
E THEIR FROM

% %
SICK SAVINGS FAMILY
    MEMBERS
SOURCES:  
NSO, 5 out of 10 Filipinos die of Heart Disease (http://www.philstar.com/breaking-news/2012/07/09/826043/5-out-10-filipinos-die-heart-disease-nso)
   
Costing study for selected hospitals in the Philippines: (www.doh.gov.ph/sites/default/files/Costing%Study%20for%20Selected%20Hospitals%20in%20the
%20Philippines.pdf)