11/09/2026
โMaโam Tin, how stable is Pru Life UK?โ
โ A client asked me this yesterday. โค๏ธ
And honestly, as someone who is also a heavy investor in stocks, this is one of the first things I look at before trusting a company with my own money.
Bago ko pa man ipa-manage ang insurance and investments ko sa Pru, I made sure to understand the companyโs financial strength and stability.
One important measure we can check is the RBC Ratio โ Risk-Based Capital Ratio.
Simply put, RBC helps measure an insurance companyโs capital adequacy and ability to withstand financial risks and meet its obligations to policyholders.
And hereโs what made me even more confident in my decision:
๐ Pru Life UKโs 2025 audited financial statements show an indicative RBC ratio of 652%.
Kung ang standard ng IC is 125% RBC ratio, meron lang naman 652% RCBC ratio si Pru noong 2025. Meaning kaya BAYARAN NI PRU NG 6X BAWAT ISA ANG MGA CLIENT NIYA NG SABAY SABAY.
Sobra sobra pa sa required. ๐ฅฐ
And as a Financial Advisor, I also insure and invest in Pru myself.
Why?
Because I believe in what I recommend.
At the end of the day, we work hard for our money. We save, invest, and build wealth because we want to be prepared for the future.
But letโs not forget one important part of financial planning:
PROTECTION. ๐ก๏ธ
Because we can plan for retirement, education, business, and investmentsโbut life can still surprise us with illness, accidents, or unexpected expenses.
Mas nakakatakot ang dumating ang panahon na kailangan natin ng malaking pera, pero wala tayong financial back-up.
So if youโre considering insurance with investment, donโt just ask:
โMagkano ang kikitain ko?โ
Also ask:
โGaano katatag ang kumpanyang pagkakatiwalaan ko?โ
Do your research. Understand the numbers. Choose wisely.
And most importantly, protect what you are working so hard to build. โค๏ธ
If you want to understand how insurance and investments can fit into your financial goals, message me for a FREE financial consultation. ๐
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