#billemoko

Do you have a child/ren, spouse, parents, or siblings that depends on you and your income? One of the main concept of life insurance is income protection. If in case the "padre de pamilya" or the one that provides income for the family is gone due to death or the ability to provide income has been affected due to a critical illness, accident or disability, there will be an income protection through life insurance. If you don't have millions of assets, it would be more practical and cheaper option to get a life insurance. If you believe in "abuloy", you should be believe more on life insurance because it can provide larger amount of coverage to the beneficiary or family of a bereaved. (The concept of life insurance was based from "abuloy" or passing the hat.") Whether it is a term insurance, traditional life insurance, variable unit (VUL) or investment-linked life insurance, the bottomline is, get a life insurance on your own (aside from the company provided insurance). #BilleMoKo #BilleMoKosaPru

✓ Get an HMO as addition to your PhilHealth. ✓Get a medical insurance if you want to have larger coverage on hospitalization. ✓ Get a critical illness insurance for larger coverage and to fund other expenses aside from hospitalization and procedures. #BilleMoKo #OctoBETTER #Maxicare #PacificCross #PruLifeUK

Busy ka ba? BC din ako. I'm (B)ille (C)ristiane. We can make a way. :D #BilleMoKo (at Hong Kong Disneyland)

I may not be able to protect you from heart breaks or be like what superhero do but I am in the business of protection. If you know someone or a company who need or might be benefited from these products, you may refer them to me. Investment is good but my advocacy is more on protection plans or products through a form of insurance. Because without these protection products, someone or a family's savings or investments can be wiped out. I've got a portfolio of protection products from a coverage of Php60k per illness per year through an H.M.O., or up Php5M coverage through a critical illness insurance or up to Php100M coverage through medical insurance or life insurance. You may send me PM, or message me at 0977-725-7980 or email me at [email protected]. You may also like or share this post. Thank you in advance! :) #BilleMoKo (Disclaimer: Ultimate protection,provision and healing still comes from the Lord.)

A heart surgery may cost more than P500,000. For cancer treatment, an oral chemotherapy which experts say more effective than conventional chemotherapy costs P90,000 to P120,000. With these treatments, will your HMO coverage be enough if a critical illness strikes you unexpectedly? You can have additional protection before you need it by having a critical illness insurance in a V.U.L. You can start a plan for as low as P1,500 per month. Good thing with a V.U.L., your money is being invested through bonds or stocks. So if nothing happens, you can add it to your retirement fund. To know more, just message me at 0977-725-7981 or email at [email protected]. #BilleMoKo #thinkofVULthinkofBILLE (Sources: Philippine Heart Center, Philippine Society of Medical Oncology)

Remember the lines of Diana aka Wonder Woman? "It's not deserve [if we deserve protection]. It's what you believe. And I believe in love." We protect others because we love them. ~ For insurance solutions, #BiLLEMOKO (i Am Your Insurance Guy) • Accident Insurance (Group or Personal) • Business or Key Person Insurance • Critical Illness Insurance • Health Insurance • HMO (Individual, Family, SME, Corporate) • Life Insurance (Traditional or Investment-Linked Life Insurance) • Medical Insurance • Travel Insurance #InsuranceAwarenessDay

According from United Nations Department of Economic and Social Affairs (UN DESA): coronary heart disease, stroke, pneumonia, diabetes, lung disease, kidney disease and breast cancer are among most diseases acquired by Filipinos. With these illneses, they require costly treatments. Philippine Heart Association shows that several common heart operation can cost up to P500,000. Including tests, doctor's fees, hospital fees, rehabilitation, heart disease treatment can go up to P1 million. With an HMO, usually it doesn't have enough coverage if you are a rank and file employee wherein you only have P100,000 per illness per year coverage or up to P150,000 per illness per year. Good thing, you can add a critical illness insurance with a V.U.L. For at least P1,500 per month, you can have a coverage of P800,000 on critical illness. If nothing happens, because it is a V.U.L., you can add it to your retirement fund. For more information, just message me at 0977-725-7981 or email at [email protected]. I Am Your Insurance Guy, BILLE CRISTIANE TEMANEL #BilleMoKo #ProtectionConsultant

We all have plans. Maybe after your travel this long weekend, you are already plannning for your next travel. Or maybe you are planning for your marriage, to have your own business, to study masters education, to buy a house or planning to have a baby soon. All of these plans have a price tag. But along with these plans, unexpected circumstances may happen like illness, accident, or disability. But don't worry, a Variable Unit Link or V.U.L. got you covered. For your plans, a V.U.L. has an investment component to help you achieve your plans. For unplanned circumstances, a V.U.L. is a life insurance plan where it has disability insurance and you can attach accident insurance, health insurance, and critical illness insurance. You can start a plan for at least P840/month or P10k per year. Now plan to get a V.U.L. plan. For a sample proposal, just PM me or message me at 0977-725-7981 or email me at [email protected]. I Am Your Insurance Guy, BILLE CRISTIANE T. TEMANEL #BilleMoKo Registered Financial Planner Graduate Member Financial Consultant, Pru Life U.K. #thinkofVULthinkofBILLE