Save Protect and Invest with Coach Rommel

06/03/2025

What Happens After You Apply for Life Insurance?

When you apply for life insurance, four main things can happen:

1. Instant Approval:
Your application could be approved immediately based on the original price (premium) that they calculated. This is the quickest and simplest outcome.

2. They Ask for More Information:
The insurance company might ask for extra documents or details. This is so they can properly assess how risky it is to insure you. This could include:
Your and your family's medical history.
Your job.
Your financial situation.
Any potential risks (moral hazard).
Your hobbies.
Where you live or travel to.

3. They Ask for More Money:
Based on their assessment, the insurance company might charge you a higher price (premium) than they first said. This is because they think you're a higher risk.

4. They Deny Your Application:
In certain situations, the company may reject your application if they believe the risk is too high.

How Age and Medical History Matter:

As you get older, you need to share more information, especially about your family's medical history. This helps the insurance company make a fair assessment.

When you're younger, you usually have less medical history to declare.

Why Being Honest Is Important:

Hiding important information to get approved faster can cause problems when you try to make a claim, especially in the first two years of your policy.

Where you buy the insurance is vital:

You, the insurance agent, and the place where the sale happens must all be in the Philippines. This is because insurance agents are only licensed to sell in the Philippines.

If you die within 2 years, and it's discovered that you, the agent, or the sale location were not in the Philippines when the sale was completed, your beneficiaries won't receive any benefits.

The Responsibility of the Agent and the Customer:

Both the insurance agent and the customer have a responsibility to be honest and provide complete information during the application process.

You need full disclosure, careful checking (due diligence), and truthfulness.

Tati Castro Tip Ni Tati

01/03/2025

Alam mo, madalas ko marinig ‘to: “Insurance isn’t an investment.”
At honestly, I get where it’s coming from. Kasi nga naman, when people talk about investments, lagi nating naiisip yung stocks, real estate, o negosyo—yung mga bagay na kita agad yung tubo, di ba?
Pero teka, let us debunk that. Kasi kung iniisip natin na ang investment ay laging puro kita lang, baka kulang yung perspective. Investments aren’t just about growing money. They’re also about protecting it.
Tingnan mo 'to: You’ve worked hard, nakaipon ka, maybe may negosyo ka pa. Tapos biglang may mangyari—pwedeng magkasakit o maaksidente
Kung walang insurance, saan ka huhugot ng pera? Pwede sigurong may ipon ka o malaki ang investment mo kahit papanu..
Pero question, willing ka bang ilabas yun if something happen?
I think, if no choice talaga, pero ang hirap no? kasi ang tagal mo syang inipon or ininvest, tapos dun lang mapupunta.
Pero kung may insurance ka? Hindi ka takot sa what-ifs. Yung investments mo, steady. Yung dreams mo, tuloy pa rin.
At hindi lang ‘to tungkol sa protection. May mga insurance products din na parang two-in-one—may coverage ka na, may cash value ka pa. Habang tumatagal, lumalago din yung pera mo. Parang may safety net na may kasamang savings.
Pero bonus nalang din talaga yun e, ang pinaka-importante? Yung peace of mind. Iba yung feeling na alam mong kahit anong mangyari, protektado ka, pati yung pamilya mo.
Yung tipong hindi mo na kailangang mag-alala kung saan ka kukuha ng panggastos sa emergency.
So next time na may magsabi sa’yo na “Insurance isn’t an investment,” smile ka lang. Kasi alam mo na—hindi lang ‘to tungkol sa kita. It’s about making sure na lahat ng pinaghirapan mo, protektado. At yun, para sa akin, ang tunay na investment.

25/02/2025

08/01/2025

Pag insured ang parents, it is possible to make your children millionaires anytime.

Basta take into consideration lahat ng pupuntahan ng insurance proceeds muna.

Ipapambayad muna sa mga final expenses (hospital, funeral, burial), pambayad ng loans at ibang obligasyon.

Yung matitira, yun ang mapupunta sa pamilya.

Kaya importanteng mag-compute ng ideal insurance converage para masigurado mo na may maiiwan nga talagang enough para sa mga anak mo.

22/12/2024

Pwede akong bumalik anytime sa corporate job ko. Fixed yung salary, may government benefits, etc. pero bakit andito parin ako? 🤗

Kasi hindi biro yung families na nagtiwala sa akin bilang lifetime financial advisor. They are the reason why I keep on moving forward sa career na to. Sila yung reason bakit gusto ko palaging mag-excel at mag-grow. 🥹 walang mapapagod pag mahal mo ang ginagawa mo.

Magpapahinga lang pero hindi susuko 💪❤️🔥

14/08/2024

If you have this book, it only means one thing,
you have millions. 💯

24/04/2024

5 Benefits of Life Insurance:

(1) Helps your family pay bills,
(2) Ensures your children's dreams, (3) Allows your family time to grieve, (4) Protects the ones you love financially, and
(5) Has living benefits you can use while you're alive.

03/04/2024

Here’s the thing… you can’t get life insurance once you need it. Take time to prioritize getting coverage this month.

02/04/2024

Public Service Announcement: Don’t let your age, less than perfect health or the fact that you smoke keep you from applying for lifeinsurance!

02/04/2024

What is the first word that comes to mind when you think of life insurance coverage?

02/04/2024

‼️URGENT MASS HIRING ‼️

WE ARE LOOKING FOR FINANCIAL ADVISOR!

✅We accept college grad and under grad
✅No sales background or experience needed
✅Willing to attend trainings online
✅️Can start ASAP
✅️Part time position available, no need to resign from current job

PERKS:
👩‍💻 Forever WFH set-up
🧳 Local and International Trips
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This is not MLM, or Call center job.

Send me a message for more details