Grow In Grace with KC

05/02/2025

🧡Why Life Insurance is the Smartest Investment in Your 20s🧡

In a culture where family is at the heart of everything, Filipinos deeply value security and providing for loved ones. While many young adults in their 20s focus on building their careers, traveling, or saving for big-ticket items, life insurance often takes a backseat. However, investing in life insurance early on is one of the wisest financial decisions you can make—and it's not just about money. It’s about stewardship, responsibility, and preparing for the future with wisdom, as Proverbs 21:20 (KJV) reminds us, "There is treasure to be desired and oil in the dwelling of the wise; but a foolish man spendeth it up."

1. Life Insurance is More Affordable in Your 20s

One of the biggest advantages of buying life insurance in your 20s is cost. Premiums are significantly lower for younger, healthier individuals. This means you can lock in a low rate now, saving yourself a considerable amount over time. Proverbs 6:6-8 (KJV) encourages us to learn from the ant: "Go to the ant, thou sluggard; consider her ways, and be wise: Which having no guide, overseer, or ruler, Provideth her meat in the summer, and gathereth her food in the harvest." By acting early, you ensure you're prepared for the unexpected seasons of life.

2. Building Financial Discipline and Stewardship

Purchasing life insurance isn’t just about preparing for the worst; it’s about building a foundation of financial responsibility. In Luke 14:28 (KJV), Jesus teaches about counting the cost before building a tower: "For which of you, intending to build a tower, sitteth not down first, and counteth the cost, whether he have sufficient to finish it?" Life insurance fosters a mindset of foresight and prudent financial management, aligning with biblical principles of stewardship.

3. Protecting Your Loved Ones

Filipino culture is rooted in strong family ties and responsibilities. Even in your 20s, you might be supporting siblings, helping parents, or planning for your future family. Life insurance provides peace of mind knowing that if anything happens to you, your loved ones won’t bear the financial burden alone. 1 Timothy 5:8 (KJV) reminds us, "But if any provide not for his own, and specially for those of his own house, he hath denied the faith, and is worse than an infidel."

4. A Step Toward Financial Growth and Security

Many life insurance policies come with investment options, allowing your money to grow over time. This dual benefit of protection and growth makes life insurance a strategic component of your financial plan. Ecclesiastes 11:2 (KJV) advises, "Give a portion to seven, and also to eight; for thou knowest not what evil shall be upon the earth." Diversifying your financial portfolio with life insurance is a wise step toward long-term security.

5. Peace of Mind and Trust in God’s Provision

While our ultimate trust is in God’s provision, being wise stewards of what He has entrusted to us includes preparing for life’s uncertainties. Philippians 4:6-7 (KJV) reminds us, "Be careful for nothing; but in every thing by prayer and supplication with thanksgiving let your requests be made known unto God. And the peace of God, which passeth all understanding, shall keep your hearts and minds through Christ Jesus." Life insurance can be a practical way to alleviate financial anxiety, allowing you to focus on living a purposeful life.

Investing in life insurance in your 20s is more than just a smart financial move; it’s an act of wisdom, stewardship, and love for those who matter most. As Proverbs 13:22 (KJV) says, "A good man leaveth an inheritance to his children's children: and the wealth of the sinner is laid up for the just." By making this decision now, you're setting yourself and your family up for a secure and prosperous future—one that honors God and the blessings He has given you.

Start today. Be wise. Be prepared. Grow in grace.

29/01/2025

Money Hack?

I advised my client to get an MRI (mortgage redemption insurance)

Isa ‘to sa mga ginawa ko for my client to have peace of mind WHILE paying for their 30-year condo payment

May 4.2M pesos siyang kailangan bayaran for the next 30 years, kaya ang binigay kong insurance to her is 4.2M pesos as well.

🚫 Paano kung walang MRI ang client ko and God suddenly calls her? What will happen?
— Her family will need to pay the remaining years of contract. Ang problema dito, paano kung walang means ang maiiwan niya? Sayang ang years of payments. Sayang ang property.

✅ Bakit magandang may MRI kung may binabayaran kang properties?
— Simple lang. MRI ang sasalo sa natitirang payments sa loan o sa bangko.

Generally, nire-require na rin ang insurance kapag kumukuha tayo ng mga hulugang properties.

Point is— WE all need life insurance. And while we keep on ignoring the need of it, the cost is getting ❗️HIGHER❗️

27/01/2025

26/01/2025

24/01/2025

17/01/2025

FWD Life Insurance has achieved significant milestones in 2024, reflecting its commitment to innovation, customer service, and corporate responsibility. Notable accomplishments include:

Top 3 Life Insurer in the Philippines: In the first half of 2024, FWD Life Insurance secured a position among the top three life insurers in the Philippines, coinciding with its 10th anniversary celebration.

Recognition for Corporate Social Responsibility: The company's "JA SparktheDream" program was honored with a Bronze Stevie® Award for Innovative Achievement in Corporate Social Responsibility, highlighting its dedication to financial education and community engagement.

Multiple Industry Awards: FWD Insurance set a new benchmark by winning 23 awards at the Bloomberg Businessweek/Chinese Edition "Financial Institutions 2024," marking the most awards won for the seventh consecutive year. This includes the "Insurance Company of the Year" Outstanding Award, recognizing excellence across various categories such as products and services, customer service, digital innovation, marketing, tied-agency, and community care.

Expansion in Takaful Services: In March 2024, FWD Group increased its stake in FWD Takaful Berhad to 70%, becoming the majority shareholder and reinforcing its commitment to providing Shariah-compliant insurance solutions.

Launch of FWD HealthyMe: In May 2024, the company introduced FWD HealthyMe, a new health business aimed at enhancing customer well-being, with Dr. Sarah Salvilla appointed as Chief Health Officer to lead this initiative.

These achievements underscore FWD Life Insurance's dedication to growth,
innovation, and delivering value to its customers and communities.

Join us in our success journey this 2025.

12/01/2025

🧡How to Honor God Through Your Work🧡

Honoring God through your work involves dedicating your efforts, attitude, and goals to glorify Him. The Bible provides clear guidance on how we can approach our work with faithfulness and purpose.

1. Work with Excellence and Diligence
“Whatsoever thy hand findeth to do, do it with thy might; for there is no work, nor device, nor knowledge, nor wisdom, in the grave, whither thou goest.”
(Ecclesiastes 9:10)

Approach your tasks with all your strength, giving your best effort as a testament to your commitment to God.

2. Work as Unto the Lord
“And whatsoever ye do, do it heartily, as to the Lord, and not unto men.” (Colossians 3:23)
Rather than working solely for human recognition, focus on pleasing God through your work ethic and attitude.

3. Be Honest and Just
“A false balance is abomination to the Lord: but a just weight is his delight.” (Proverbs 11:1)
Integrity in your dealings reflects God's righteousness and ensures your work honors Him.

4. Serve Others Through Your Work
“For, brethren, ye have been called unto liberty; only use not liberty for an occasion to the flesh, but by love serve one another.” (Galatians 5:13)
Consider how your work benefits others. Serving through your talents and profession is a way to express love and glorify God.

5. Trust God in Success and Challenges
“Commit thy works unto the Lord, and thy thoughts shall be established.” (Proverbs 16:3)
Seek God’s guidance in every decision and trust His plans for your career, even during difficulties.

6. Rest in God’s Provision
“It is vain for you to rise up early, to sit up late, to eat the bread of sorrows: for so he giveth his beloved sleep.” (Psalm 127:2)
Balance diligence with rest, trusting God as your ultimate provider rather than overworking for worldly gain.

7. Shine as a Testimony of God’s Grace
“Let your light so shine before men, that they may see your good works, and glorify your Father which is in heaven.” (Matthew 5:16)
Your work should reflect God’s grace and character, inspiring others to seek Him through your example.

By aligning your work with God’s principles and purpose, you not only fulfill your earthly responsibilities but also leave a lasting spiritual legacy.

Make Jesus the center of your 2025 wherever you are.
Let's grow In Grace.

11/01/2025

A good friend asked me, "What is your favorite self help book?"
marami sa totoo lang, isa sa mga magagandang bagay na nangyari sa akin nung pandemic ay ang oras na nakapagbasa ako ng mga ebooks, nagpabago talaga ito ng mindset ko. At itong libro ang isa talaga sa mga hindi ko makalimutan na libro, bago pa man ako na-inlove sa bible.

🥰The Ego Is the Enemy 🗒

Ryan Holiday’s The Ego Is the Enemy is a profound exploration of how ego can undermine our ambitions, distort our sense of reality, and sabotage our success. Drawing on timeless wisdom from historical figures, philosophers, and modern leaders, Holiday delves into the pitfalls of letting our ego control our thoughts and actions.

Written in a crisp and compelling manner, this book challenges readers to tame their egos, adopt a mindset of humility, and focus on continuous growth rather than fleeting recognition. With its blend of anecdotes, philosophical insights, and practical advice, it’s an essential read for anyone striving for personal and professional excellence.

Rating: 5/5
An enlightening guide to overcoming our greatest internal obstacle: ourselves.

7 Lessons I Learned from The Ego Is the Enemy

1. Stay Humble in Your Pursuits
Ego can lure us into believing we’re more talented or knowledgeable than we are, stunting our potential. Instead, humility keeps us grounded and receptive to learning.

2. Embrace Lifelong Learning
Holiday emphasizes that mastery is a journey, not a destination. When we think we know everything, growth stops. Staying teachable ensures progress.

3. Focus on the Work, Not the Credit
The ego craves recognition and praise, but true success often comes when we focus on doing meaningful work instead of chasing accolades.

4. Accept Criticism and Failure
Rather than letting ego shield us from mistakes or feedback, we should embrace them as opportunities to improve. Failure is often a stepping stone to success.

5. Resist the Desire for Validation
Constantly seeking validation from others fuels the ego. Holiday advises prioritizing internal satisfaction over external approval.

6. Build Resilience Against Setbacks
Ego magnifies every misstep, making it harder to recover. Cultivating resilience enables us to navigate challenges without succumbing to despair.

7. Think Beyond Yourself
A self-centered life driven by ego lacks purpose. Serving others and contributing to a cause greater than oneself lead to fulfillment and legacy.

summary lang to, pero mas maganda kung basahin nyo.
worth it. 💯💯💯

09/01/2025

Pray for your finances!!

09/01/2025

Securing life insurance doesn’t have to be complicated. Follow these simple steps:

1. Assess Your Needs: Determine how much coverage your family will require for expenses, education, and debt.

2. Consult a Trusted Advisor: Partner with someone who understands both your financial goals and personal values.

3. Choose the Right Plan: There are different types of life insurance plans tailored for various needs, whether term, whole life, or investment-linked insurance.

Life insurance is not just a financial decision; it’s a testament to your love and foresight. In a culture that treasures family and community, securing a plan means embracing the bayanihan spirit even beyond your lifetime. Let Grow in Grace with KC help you take this meaningful step toward stewardship and security.

If you’re ready to explore your options or simply want to ask questions, feel free to connect with me. Let’s work together to create a brighter, grace-filled future for you and your loved ones.

07/01/2025

Trusting God with Your Finances

In today’s fast-paced world, managing finances can feel overwhelming. Bills pile up, unexpected expenses arise, and dreams of financial stability sometimes feel out of reach. But as believers, we are reminded that trusting God with our finances is not just a suggestion—it’s a principle rooted in His Word.

1. Recognize God as the Ultimate Provider
The foundation of financial trust lies in acknowledging that everything we have comes from God. Psalm 24:1 (KJV) declares, "The earth is the Lord's, and the fulness thereof; the world, and they that dwell therein." When we view our resources as God’s provision, we approach financial decisions with gratitude and humility.

2. Be Diligent in Planning
God honors diligence and careful planning. Proverbs 21:5 (KJV) reminds us, "The thoughts of the diligent tend only to plenteousness; but of every one that is hasty only to want." Creating a budget, setting aside savings, and making informed decisions reflect a heart committed to stewardship.

3. Tithe Faithfully
Tithing is an act of worship and trust. Malachi 3:10 (KJV) promises, "Bring ye all the tithes into the storehouse, that there may be meat in mine house, and prove me now herewith, saith the Lord of hosts, if I will not open you the windows of heaven, and pour you out a blessing, that there shall not be room enough to receive it." Giving back a portion of what God has entrusted to us is a tangible way to honor Him and support His work.

4. Avoid Debt and Live Within Your Means
Proverbs 22:7 (KJV) warns, "The rich ruleth over the poor, and the borrower is servant to the lender." While some debts, like a home loan, might be strategic, unnecessary or excessive debt can lead to stress and hinder our ability to give and save. Living within our means is an act of faith, trusting God to provide for our needs without overextending ourselves.

5. Trust in God's Provision During Uncertainty
Financial challenges are inevitable, but we can take comfort in Matthew 6:33 (KJV): "But seek ye first the kingdom of God, and his righteousness; and all these things shall be added unto you." When we prioritize God in our lives, He promises to meet our needs.

6. Give Generously
A heart that trusts God gives freely. Proverbs 11:25 (KJV) teaches, "The liberal soul shall be made fat: and he that watereth shall be watered also himself." Generosity reflects our faith in God’s abundance and our willingness to bless others as He has blessed us.

7. Pray Over Your Finances
James 1:5 (KJV) encourages us, "If any of you lack wisdom, let him ask of God, that giveth to all men liberally, and upbraideth not; and it shall be given him." Regularly seeking God’s guidance in financial matters fosters peace and discernment.

Trusting God with your finances requires faith, discipline, and a willingness to align your money with His purposes. As we make wise financial decisions rooted in biblical principles, we honor God and position ourselves to experience His faithfulness.

We shall reap what we sow.
Let's strive to be good stewards of God's blessings.

05/01/2025

What Is Life Insurance?

Life insurance is a financial tool designed to provide financial protection for your loved ones in the event of your passing. It works by paying out a lump sum amount, known as a death benefit, to your beneficiaries. This payout can help your family cover:

Everyday living expenses

Education for your children

Debts, such as housing loans

Final expenses, like funeral costs

Why Do Filipinos Need Life Insurance?

In the Philippines, many rely on family support in times of crisis. However, this dependency can strain even the strongest of relationships. Life insurance offers a proactive solution—a way to ease the financial burden on your loved ones and ensure that they are taken care of no matter what happens.

1. Protect Your Family’s Future

Imagine a family breadwinner unexpectedly passing away. Without a safety net, the family’s lifestyle could drastically change—forcing sacrifices in education, housing, or even basic needs. Life insurance safeguards your family from this potential hardship.

2. Secure Educational Opportunities

Education remains one of the most treasured investments in Filipino households. Life insurance ensures that your children’s schooling remains uninterrupted, even in your absence.

3. Avoid Financial Strain

Funeral costs in the Philippines can range from ₱50,000 to ₱200,000. By having life insurance, you prevent your family from resorting to loans or donation drives during an already emotional time.

4. Promote Peace of Mind

Knowing that you’ve planned ahead offers not only financial security but also emotional assurance for both you and your loved ones.

03/01/2025

Ano ang goals mo ngayong 2025 regarding your finances?

it's not too late to make some adjustments to build wealth and learn how to become good stewards of God's blessings in finance and career.

This year I will spend one hour each day in learning financial manangement and financial literacy. I will also be serious in financial management and discipline in tithing.

by God's grace we can.