KebinSpeaks

08/03/2025

KebinSpeaks is back! 🎙️

Bringing back my first love—engaging in meaningful conversations—but this time, for a greater purpose. As a dad, a follower of Christ, and a storyteller, I’m here to share faith-driven discussions that inspire, challenge, and empower.

And to kick things off, I’m launching Para Sa Bayan—a podcast series dedicated to faith-based conversations on nation-building, leadership, and responsible citizenship.

It’s time to speak truth, stand for faith, and take action for the greater good. Sama-sama tayo sa bagong kwentuhan, para sa Diyos at para sa bayan! 🇵🇭🙌

18/04/2022

Yes, you need both especially if you are your family’s breadwinner!

It’s better to have both because we just don’t know when our time is up!

05/03/2022

Share ko lang.

Isa sa mga mabentang insurance product is VUL (Variable Unit Linked / Variable Universal Life)

Ang main reasons bakit mabenta ito lalo na sa mga millenials ay yung fact na itong plan na ito ay marketed as parehong insurance and investment.

Ang pinaka-sikat na sales pitch dito: “May insurance ka na, may Investment ka pa..” which is quite accurate pero kailangan natin malaman ang nature nito para alam natin paano natin sya mamamaximize. Madami pa rin kasi sa mga nakakausap natin ang mejo lito pa rito or worst, nakikita ang VUL plan bilang isang investment product. Hindi po ito investment product lang.

Para sa akin, ang VUL ay “INSURANCE FIRST, and then INVESTMENT”

Terms muna: Ang DUGO ng VUL mo ay ang FUND VALUE. Ito ang kabuuang value ng investments component ng policy mo. Ang priority ng paggamit nito ay UNA para mga charges na associated sa insurance ng policy mo and then pangalawa, investments. Ang perang naitatabi ay . Kaya kung aaralin natin yung movement sa accounts ng mga VUL policy holders, makakakita tayo ng monthly charges, para ito sa insurance charges.

After masatisfy ng FUND VALUE mo ang monthly charges, whatever is left is technically, pwede iwidthraw.

But remember! If your fund value hits ZERO, mejo delikado na ang policy natin at may possibility na kapag di nabayaran yung monthly insurance charge, may posibilidad na di tayo magiging entitled sa insurance benefits ng policy na ito.

Ang pinakamagandang gawin natin dito ay maging aware sa movement ng fund value at sa overall “health” ng policy natin. Be connected with your FAs for questions and clarification and probably advise on whether or not satisfied ba tayo sa performance ng selected portfolio natin. . They should be knowledgeable enough to answer your questions and make their recommendations.

Pero pag di ka na nya pinapansin, at kung Sun Life policy holder ka, pwede nyo ako imessage dito. I will try my best to help you.

Follow us for more info and tips like these…

28/02/2022

Don't leave debts to your family when you're gone. Leave them memories and the security that they are still taken care of. Get an insurance today. Send me a message and I can help you with the best insurance for you and your family.

27/02/2022

Surround yourself with successful and happy people. Success and happiness are contagious. Spread it.

25/02/2022

Janet Ellen Morris writes, "Wars don't bring lasting peace, only lasting death."

Pray for Peace.
Pray for Mercy.
Pray for Reconciliation.

25/02/2022

Today, let us be reminded of the change that can be brought by the power of people.

23/02/2022

If your have HMO benefits from your company, be sure to use the freebies: attend Annual Physical Examinations, maximize your FREE check ups with specialists, take vitamins regularly, always choose to eat healthy, and make exercise a part of your daily routine.

Invest in your good health. You and I both know, it is more expensive to be sick and be in hospital nowadays.

22/02/2022

Galeng, noh? 🤣

21/02/2022

Are you prepared with what's ahead? Preparing is not just an idea but a plan put into action.

20/02/2022

Believe you can and you are half way there. That is the power of the mind. You are your best supporter and cheerer. So don't ever doubt yourself.

19/02/2022

‼️REAL TALK‼️
BALIKTARIN NGA MUNA NATIN ANG USAPAN.

Insurance is just an additional expense na never mong magagamit. To be honest, family mo lang ang makikinabang, traditionally speaking.

You do not need to secure your family should happen to you because they can manage naman if something unfortunate happens to you. It has been that way ever since, di ba? Wala naman insurance mga magulang mo so why get one for yourself?

Your asawa't anak mo will eventually need to pay your house loan, car loan, salary loan at marami pang iba. Wala naman silang magagawa kundi bayaran yun kasi if di nila binayaran they will eventually need to move to a cheaper apartment or babalik nalang sa biyenan mo.

Yung asawa mo, kaya naman nyang sasaluhin lahat ng gastos ng mga anak mo sa pang araw-araw pati na yung pampa-aral nila. Iasa na muna natin sa mga kamag-anak, tutulungan naman sila eventually.

Yung mga savings ninyo (at HMO) hopefully is enough to get you out of the hospital and pay your final hospital bills. If hinde, try natin ipakiusap baka may mautangan naman yung asawa mo.

Yung sa burol, kunin lang natin yung swak sa budget. Kabaong lang naman yan at bulaklak. Madami naman magbibigay ng abuloy. Dun nalang muna tayo umasa.

Ang sakit lang na ganito ang isip ng Pilipino.
Baguhin natin...
..sa ngalan ng pagmamahal.