Building Dreams, Raising My Dreamers

It was not my first time in an event that talks about family, but it was my first time be affected that much and feel the need to share it as detailed as possible to my readers.

Family Talk, a client forum of Philam Life, was about raising family, dreaming, building your dream, preparing for retirement and how to handle family finances. Maricel Laxa-Pangilinan was the first speaker who talked about family and raising a dreamer:

Dare for them and be with them.

Raise them from here to there.

Explore the world with them.

Affirm them along the way.

Make way for them, provide for what is needed.

Encourage them again and again.

Remind them of the dream and it’s best by your example.

I have four dreamers with me and the thought of how to provide them what is needed struck me the most. I do have a part-time job and my husband provides for us very well. Maybe we can send them to good universities and they can finish their college education and they would be thankful. But after college, I do not know what will happen… Though one thing I am sure of: we should not burden our kids with our retirement.  I guess aside from education, that’s another best thing we can give to them, an assurance that they don’t have to look after us when we grow older. And there’s also the question (which of course I prefer not to answer haha) what happens if something happened to us? Scary thought eh?

My mom made us realized the importance of insurance and Maricel Laxa- Pangilinan’s talk is an affirmation that we really need insurance. Actually, it took us years before finally saying yes to my mom. I wish we had earlier. But for you, my dear readers, it’s about time you put life insurance on your priority list. If like me, you have the same dreams for your kids and worries about what the future holds, then Philam Life’s Family Secure might just be the perfect plan for you.

Here’s a video of Family Secure, please do watch and tell me how you feel after watching it:

Family Secure offers high protection coverage during your working years: for P44 a day or P16,000 a year, you can enjoy a life coverage of 1.5 M (male age 30). Yes, P44 a day!

Family Secure offers Flexible benefits for changing protection needs. You have the option to choose the most protection during your working years, as this is the time when your family needs you the most. As you grow older and your family becomes more financially independent, you can have the option to lower your coverage and increase your savings as a preparation for retirement.

Family Secure offers long-term savings for a comfortable retirement.

Here’s a short illustration on how Philam Life’s Family Secure works:

Age 30:

• 30,000 PhP/ year for insurance
• coverage: 3,135,000 PhP

Age 33 (bigger family= bigger financial responsibility)

• 30,000 PhP/ year for insurance
• higher coverage: 3,291,750 PhP
• retirement fund: 17,661 PhP

Age 35 (bigger family + new house = bigger and bigger financial responsibility)

• 30,000 PhP/ year for insurance
• higher coverage: 4,702,500 PhP
• retirement fund: 65,410 PhP

Age 50 (less financial responsibilty, kids graduated from college)

• 30,000 PhP/ year for insurance
• decrease coverage: 1,567,500 PhP
• more retirement fund: 626,881 PhP

Age 60 (kids financially independent)

• 30,000 PhP/ year for insurance
• decrease coverage: 165,000 PhP
• higher etirement fund: 1,595,250 PhP

Age 65

• client can continue to pay 30,000 per year or opt to withdraw his retirement fund now amounting to 2,507, 062 PhP

30,000 PhP per year is nothing, considering the amount of protection it can give to your family.

If you want to know more about Family Secure, click here or call (02) 528-2000.

You can also like Philam Life’s Facebook Fanpage at www.facebook.com/PhilamLifeAIA and learn tips on how to plan for your and your family’s future.  Dahil sabi nga ng Philam Life, “Anumang pangarap, makakamtan. Anumang pagsubok, malalampasan. Basta’t may plano, kaya mo ‘yan.”

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