Financial Option

Financial Option Our services include life, health, retirement, education, and business insurance, as well as financial planning. Reach out for a consultation today!

https://fwdlifeinsurance.mystrikingly.com/

The world can change in an instant… but no matter what days come ahead… life insurance is the promise that remains. Even...
08/08/2025

The world can change in an instant… but no matter what days come ahead… life insurance is the promise that remains. Even in the darkest times… it’s still there.

A few years ago, I sat across from a young father who wanted to get insurance “later” because money was tight. I respect...
08/08/2025

A few years ago, I sat across from a young father who wanted to get insurance “later” because money was tight. I respected his decision but deep down, I felt I hadn’t explained enough about how time and health are our biggest allies in protection. Months later, his wife called me—he’d been diagnosed with a critical illness. My heart sank. The policy we could have put in place then would have changed their financial reality today. That moment taught me the toughest lesson of my career: being a good financial advisor isn’t about avoiding uncomfortable truths—it’s about having the courage to speak them with love. If there’s one thing I can share with you, it’s this: don’t wait for a wake-up call to protect the people you love. The right time is always now.

**My Last Jollibee: A Heartbreaking Goodbye**A quiet customer at Jollibee left a tissue with a note that read:"Hulung Jo...
29/07/2025

**My Last Jollibee: A Heartbreaking Goodbye**

A quiet customer at Jollibee left a tissue with a note that read:

"Hulung Jollibee ko na to... I was diagnosed with Stage 2 cancer."

The crew was deeply moved, shedding tears and offering silent prayers for the customer's recovery.

This serves as a reminder that behind every interaction lies an unseen story and often, a silent struggle.

**CTTO:**

**Trivia:**

Did you know that cancer, stroke, and heart attacks are among the most common deadly illnesses today? They can also be very expensive to treat. To help reduce hospital costs for these kinds of diseases, having health insurance is essential.



With Mortgage Redemption Insurance, if you pass away, your outstanding loan is settled, ensuring your family keeps their...
27/07/2025

With Mortgage Redemption Insurance, if you pass away, your outstanding loan is settled, ensuring your family keeps their home, free and clear.

Protect your home. Ensure your family's future, even if your home loan vanishes when you're gone.



Life insurance: a shield for your loved ones, a legacy of security and peace of mind.It's not just about monetary compen...
26/07/2025

Life insurance: a shield for your loved ones, a legacy of security and peace of mind.

It's not just about monetary compensation; it's about providing a lasting sense of security and peace of mind, knowing that your loved ones will be taken care of, their dreams and aspirations protected, and their financial stability maintained, even when you are no longer there to provide for them directly.




https://shop.fwd.com.ph/agency/agent/10017418/products/

What is Mortgage Redemption Insurance?
08/07/2025

What is Mortgage Redemption Insurance?

3x claim if accident occurred during covered Philippine holiday.
15/04/2025

3x claim if accident occurred during covered Philippine holiday.

Protect your future—critical illness coverage gives you financial strength when your health needs it most.Message me now...
13/04/2025

Protect your future—critical illness coverage gives you financial strength when your health needs it most.

Message me now for more details.

04/04/2025

Your home is your legacy.

Mortgage redemption insurance, also known as mortgage life insurance, is a type of life insurance designed to pay off a ...
27/03/2025

Mortgage redemption insurance, also known as mortgage life insurance, is a type of life insurance designed to pay off a borrower’s mortgage if they die before the loan is fully repaid.
The primary purpose of this insurance is to ensure that the borrower’s family or beneficiaries are not left with the burden of paying off the mortgage if the borrower passes away.

Purpose:
The main goal of mortgage redemption insurance is to ensure that if the policyholder (borrower) passes away, the remaining balance of the mortgage is paid off, preventing financial hardship for the surviving family members or beneficiaries.

How It Works:
Level of Coverage: Mortgage redemption insurance provides coverage equal to the outstanding balance of the mortgage. As the mortgage balance reduces over time, the coverage amount also decreases. This is why it's sometimes referred to as decreasing term life insurance.

Premiums:
Premiums are generally lower in the early years because the coverage amount decreases as the mortgage balance reduces.
Payout: If the insured person dies, the insurance policy pays a lump sum directly to the lender (or to the estate if it’s set up differently), which is used to pay off the remaining mortgage balance.

Types of Mortgage Redemption Insurance:

Decreasing Term Insurance:
The most common type of mortgage redemption insurance, where the payout decreases over time, in line with the mortgage balance.
Level Term Insurance: This type provides a fixed payout throughout the life of the loan. It is less common for mortgages because it doesn’t adjust as the mortgage balance decreases.

Beneficiaries:
The lender is usually the primary beneficiary, as they will receive the payout to clear the mortgage balance.
However, if the policy allows, any remaining funds after the mortgage is paid off could go to the borrower’s family or estate.

Who Needs It:
Mortgage redemption insurance is particularly useful for people who want to ensure that their family or loved ones are not burdened with mortgage debt if they die prematurely.
It is often considered by homeowners who have dependents or others who would struggle with mortgage payments without the primary income earner.

Advantages:

Peace of Mind:
Provides security for your family, knowing that the mortgage will be paid off if something happens to you.

Affordable Premiums:
Compared to other types of life insurance, mortgage redemption insurance tends to have relatively low premiums, especially early on, since the coverage decreases over time.

Debt Protection:
It helps ensure that the surviving family members don’t have to worry about maintaining mortgage payments during a difficult time.








This is the importance of having a Mortgage Insurance.Ang pinaghirapan mong house and lot ay mafufully paid because of i...
26/03/2025

This is the importance of having a Mortgage Insurance.

Ang pinaghirapan mong house and lot ay mafufully paid because of insurance.

Ctto:

your health insurance with 5x Claim
21/02/2025

your health insurance with 5x Claim

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