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AXA Lizah Zabat Lizah Zabat | Financial Planner & Advisor | FNA Certified Master - AXA Philippines

"𝗔𝗻𝗼 𝗯𝗮 𝘁𝗮𝗹𝗮𝗴𝗮 𝗮𝗻𝗴 𝗴𝘂𝘀𝘁𝗼 𝗺𝗼𝗻𝗴 𝗺𝗮𝗶𝘄𝗮𝗻 𝘀𝗮 𝗽𝗮𝗺𝗶𝗹𝘆𝗮 𝗺𝗼?"Isang bahay na may utang?Sasakyang kailangan pang ipagbili?O mga bil...
22/08/2026

"𝗔𝗻𝗼 𝗯𝗮 𝘁𝗮𝗹𝗮𝗴𝗮 𝗮𝗻𝗴 𝗴𝘂𝘀𝘁𝗼 𝗺𝗼𝗻𝗴 𝗺𝗮𝗶𝘄𝗮𝗻 𝘀𝗮 𝗽𝗮𝗺𝗶𝗹𝘆𝗮 𝗺𝗼?"

Isang bahay na may utang?

Sasakyang kailangan pang ipagbili?

O mga bills na kailangan nilang harapin habang nagluluksa pa sila?

Hindi ito madaling pag-usapan. Pero ito ang klase ng conversation na mas mabuting mangyari ngayon kaysa kapag huli na ang lahat.

As breadwinners, we work hard every day because we love our families. We stay late at work, accept extra responsibilities, and sacrifice our own wants para lang siguraduhing okay sila.

Pero here's a question...

𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝗼𝗻𝗲 𝗱𝗮𝘆, 𝗶𝗸𝗮𝘄 𝗮𝗻𝗴 𝗺𝗮𝘄𝗮𝗹𝗮?

❌ Love alone won't pay the mortgage.
❌ Love won't settle hospital bills.
❌ Love won't fund your children's education.

Kaya ang tunay na pagmamahal isn't just about providing while you're here.

𝗜𝘁'𝘀 𝗺𝗮𝗸𝗶𝗻𝗴 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝗰𝗮𝗻 𝘀𝘁𝗶𝗹𝗹 𝘀𝘁𝗮𝗻𝗱, 𝗲𝘃𝗲𝗻 𝗶𝗳 𝘆𝗼𝘂'𝗿𝗲 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝗮𝗿𝗼𝘂𝗻𝗱.

The best inheritance isn't always a mansion or millions in the bank.

Minsan, it's something much simpler—but far more valuable.

✨ The peace of mind that your spouse won't have to beg for help.
✨ The confidence that your kids can continue going to school.
✨ The comfort of knowing they can grieve without worrying about where the next payment will come from.

𝗟𝗲𝗮𝘃𝗲 𝗺𝗲𝗺𝗼𝗿𝗶𝗲𝘀 𝘁𝗵𝗲𝘆'𝗹𝗹 𝗰𝗵𝗲𝗿𝗶𝘀𝗵.
𝗟𝗲𝗮𝘃𝗲 𝗹𝗼𝘃𝗲 𝘁𝗵𝗲𝘆'𝗹𝗹 𝗮𝗹𝘄𝗮𝘆𝘀 𝗳𝗲𝗲𝗹.
𝗔𝗻𝗱 𝗹𝗲𝗮𝘃𝗲 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗳𝗼𝘂𝗻𝗱𝗮𝘁𝗶𝗼𝗻—𝗻𝗼𝘁 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗯𝘂𝗿𝗱𝗲𝗻𝘀.

Because the greatest gift you can leave your family isn't just wealth.

𝗜𝘁'𝘀 𝘁𝗵𝗲 𝗳𝗿𝗲𝗲𝗱𝗼𝗺 𝘁𝗼 𝗵𝗲𝗮𝗹 𝘄𝗶𝘁𝗵𝗼𝘂𝘁 𝗰𝗮𝗿𝗿𝘆𝗶𝗻𝗴 𝘁𝗵𝗲 𝘄𝗲𝗶𝗴𝗵𝘁 𝗼𝗳 𝘆𝗼𝘂𝗿 𝘂𝗻𝗳𝗶𝗻𝗶𝘀𝗵𝗲𝗱 𝗿𝗲𝘀𝗽𝗼𝗻𝘀𝗶𝗯𝗶𝗹𝗶𝘁𝗶𝗲𝘀.

SEEN. MUTED. IGNORED. UNFOLLOWED. BLOCKED. More often than not, our persistence is seen as'kakulitan' because we keep on...
13/08/2026

SEEN.
MUTED.
IGNORED.
UNFOLLOWED.
BLOCKED.

More often than not, our persistence is seen as
'kakulitan' because we keep on sending messages asking if you want to avail of an INSURANCE policy until you're not saying no.

Instead of thinking 'bebentahan na naman ako nito' every time we are trying to reach out, be happy because it means, insurable ka pa.

That you are still alive, healthy, and able.

It's a race against DEATH, ILLNESS, or ACCIDENT; persistence is key, na lahat tayo talo kung nahuli ako.
Inuunahan ko sila.
Kaya kinukulit kita.
Unahan natin sila.

Ikaw, ready ka na ba? Tara, pag-usapan natin. Don’t wait for “someday.” Your future self will thank you.

04/08/2026

POV: Financial security isn’t about being a millionaire.

It’s about knowing that no matter what happens — you’ll be okay.
And that starts with a plan.

Let’s talk it over. No obligations, just options!

Many Filipinos eager to grow their wealth invest before building an emergency fund. Finance educator J-Em Ang calls this...
24/07/2026

Many Filipinos eager to grow their wealth invest before building an emergency fund.

Finance educator J-Em Ang calls this a BIG MISTAKE that can leave people scrambling to sell assets at a loss when unexpected expenses arise.

Renting is not always throwing money away.

Buying is not always building wealth.

The real question is:
Does the property FIT your income, cash flow, timeline, and lifestyle?

Kasi kung bumili ka nga, pero ubos ang savings mo, wala kang emergency fund, and isang bad month lang, delayed ka na sa amortization...

That is NOT adulting.
That is FINANCIAL STRESS with KEYS.

Tara! Usap tayo!

Mahirap ang makaipon sa Pilipinas. Kung gusto mong makapag retire ng maayos, mahabang panahon ang gugugulin at matinding...
23/07/2026

Mahirap ang makaipon sa Pilipinas.

Kung gusto mong makapag retire ng maayos, mahabang panahon ang gugugulin at matinding pagtitipid ang gagawin.

At halos mahigit 90% ng mga Filipino ang di nakakapagretire ng may sapat na ipon.

Marami ay aasa pa rin sa tulong at suporta tulad ng government and NGO sectors, ng mga pribadong sektor na tumutulong sa mga senior na nangangailangan, o kaya ay sa pag aaruga at suporta ng mga anak o ng pamilya.

Sa ilan naman na nakapag ipon kahit papano, ang hindi naman napaghahandaan at madalas na gumugulat sa marami ay ang emergency expense dulot ng critical illness or ng mga aksidente.

Yun sanang inipon at pinaghirapan para pangtustos sa ibang bagay tulad ng retirement o college fund ng mga anak, sa isang iglap, kayang kayang ubusin ng isa lamang na pagkaka-ospital.

Hindi na lang ngayon "good to have" ang health and accident insurance. Isa na itong "must-have". Nagdadagdag kasi ito ng extra layer of protection hindi lang para panggastos pang ospital, kundi mas lalo sa pinaghirapan mong ipon para sa yo at sa mga mahal mo sa buhay.

Tara! Usap tayo!

Retirement isn’t something you prepare for at 60 - it starts with the financial decisions you make today. 🌱Don’t rely on...
21/07/2026

Retirement isn’t something you prepare for at 60 - it starts with the financial decisions you make today. 🌱

Don’t rely on a pension alone. Build your future early, invest wisely, and give your future self the freedom and security you deserve. 💙

In today’s fast-paced and complex world, financial literacy has become an essential skill for every individual. It plays...
13/07/2026

In today’s fast-paced and complex world, financial literacy has become an essential skill for every individual.

It plays a crucial role in poverty prevention, as it equips people with the knowledge and tools necessary to make informed financial decisions, build confidence, and secure a more stable future.

One of the challenges faced by people with low income is the lack of access to relevant information.

Our Financial Literacy Program bridges this information gap by providing resources and guidance on managing finances effectively.

By offering courses, workshops, and online resources, our program equips people with the knowledge to make informed decisions, avoid costly mistakes, and improve their financial well-being.

The aim is to start conversations that empower Filipinos to make informed financial decisions for themselves and their families.

Interested? Let’s Talk!

Kadalasan hindi naman tayo nababankrupt dahil sa luho.Mas madalas dahil sa mga bagay na hindi natin pinlano.🏥 Nagkasakit...
27/06/2026

Kadalasan hindi naman tayo nababankrupt dahil sa luho.

Mas madalas dahil sa mga bagay na hindi natin pinlano.

🏥 Nagkasakit.
💸 Nawalan ng income.
📉 Lumaki ang utang.
😔 Na-stress ang buong pamilya.

Kaya minsan ang tanong hindi "Kailangan ko ba ng insurance?"

Ang mas magandang tanong:

"Kung may mangyari bukas, handa ba ako financially?"

Feel free to PM me❤️

Life insurance isn’t for you — it’s for them.God calls us to be stewards of what He’s entrusted. Part of that is making ...
24/06/2026

Life insurance isn’t for you — it’s for them.

God calls us to be stewards of what He’s entrusted.

Part of that is making sure our family is cared for, no matter what.

Protect the people you pray for every night. DM me.

Let’s build a plan for “them”.

The same country that won't pay for your annual physical will happily hand you a Php 300,000 bill for the ER visit that ...
22/06/2026

The same country that won't pay for your annual physical will happily hand you a Php 300,000 bill for the ER visit that physical could have prevented.

I see this pattern constantly and it makes no financial sense for anyone except the people profiting from it.

Here's the math nobody wants to say out loud.

A hospital stay can WIPE OUT ten years of disciplined saving.

One weekend.
One bad fall,
one chest pain that turns into something serious,
one diagnosis nobody saw coming.

The bill doesn't care how carefully you budgeted to build that emergency fund.

It just takes it.

Even insured Filipinos aren't safe. It means thousands of pesos in out-of-pocket costs before insurance covers a single peso.

Roughly two-thirds of Filipinos bankruptcies trace back to MEDICAL EXPENSES.

Not reckless spending.
Not bad decisions.
GETTING SICK.

Meanwhile the things that actually prevent these catastrophic bills barely get any attention at all.

Rest is cheaper than a hospital stay.
Sleep is cheaper.
Eating real food is cheaper. Moving your body regularly is cheaper.
Managing stress is cheaper.

None of it is glamorous and none of it shows up on a balance sheet until the day it saves your life and your savings account at the same time.

I'm not telling you to skip care when you need it. Go to the ER when something is wrong. That's not where this breaks down.

What I am telling you is that the cheapest medical bill you'll ever pay is the one you never had to generate in the first place.

Building habits that keep you out of that hospital bed isn't just a health decision.

It's one of the HIGHEST leverage financial decisions you'll ever make.

DM me "FNA" for a meet up so you'll know exactly where you stand and what to do next.

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Metro Manila
Pasig
1610

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