Joyce Almendrala, CPA - Prulife UK Financial Advisor

Joyce Almendrala, CPA - Prulife UK Financial Advisor Junior Unit Manager | Full-time Financial Advisor with 85 Clients | Top 5% FA Nationwide

Napansin ko lang, puro 29 years old pala ang recent clients ko. ๐ŸคญAlam mo ba na habang tumatanda tayo, mas nagiging mahal...
21/08/2026

Napansin ko lang, puro 29 years old pala ang recent clients ko. ๐Ÿคญ

Alam mo ba na habang tumatanda tayo, mas nagiging mahal ang insurance premiums? ๐Ÿ‘€

And may noticeable jump sa premium once you hit 30, kaya ni-rush na rin talaga namin ng clients ko to process their insurance before they turn 30.

A reminder that the younger you are when you get insured, the more affordable your premium can be. ๐——๐—ผ๐—ปโ€™๐˜ ๐˜„๐—ฎ๐—ถ๐˜ ๐—ณ๐—ผ๐—ฟ ๐—ฎ๐—ป๐—ผ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฏ๐—ถ๐—ฟ๐˜๐—ต๐—ฑ๐—ฎ๐˜† ๐˜๐—ผ ๐—บ๐—ฎ๐—ธ๐—ฒ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฒ๐˜…๐—ฝ๐—ฒ๐—ป๐˜€๐—ถ๐˜ƒ๐—ฒ. โค๏ธ

Last Saturday, may Mommy na nag-decide to get herself insured and beneficiary si baby niya. Aside dun, may dividends pa ...
10/08/2026

Last Saturday, may Mommy na nag-decide to get herself insured and beneficiary si baby niya. Aside dun, may dividends pa na mawiwithdraw pang-add sa retirement fund niya. โค๏ธ

The next day, Sunday, may client naman na hindi ako mineet kasi akala niya scam ako. ๐Ÿ˜…

Honestly, I understand. Maraming scammers ngayon, kaya being cautious is important. But sometimes, being too afraid to verify can also make us miss opportunities.

So if someone offers you a plan, ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ท๐˜‚๐˜€๐˜ ๐˜๐—ฟ๐˜‚๐˜€๐˜ ๐—ฏ๐—น๐—ถ๐—ป๐—ฑ๐—น๐˜†, ๐—ฏ๐˜‚๐˜ ๐—ฑ๐—ผ๐—ปโ€™๐˜ ๐—ฑ๐—ถ๐˜€๐—บ๐—ถ๐˜€๐˜€ ๐—ถ๐˜ ๐—ฏ๐—น๐—ถ๐—ป๐—ฑ๐—น๐˜† ๐—ฒ๐—ถ๐˜๐—ต๐—ฒ๐—ฟ. Verify the adviser, check the company, ask questions, and understand what you are getting.

Because while some people are busy scamming, there are also people genuinely trying to help you protect your family. โค

Minsan, hindi rejection. Redirection lang. ๐Ÿ˜…You don't need everyone to say yes. You only need the people who truly value...
03/08/2026

Minsan, hindi rejection. Redirection lang. ๐Ÿ˜…

You don't need everyone to say yes. You only need the people who truly value what you offer.

Keep serving. Keep educating. The right clients will come. ๐Ÿฅฐ

"Sayang naman yung insurance, wala naman nangyari."Exactly. โค๏ธYan ang best scenario, na hindi mo siya magamit. Because t...
31/07/2026

"Sayang naman yung insurance, wala naman nangyari."

Exactly. โค๏ธ

Yan ang best scenario, na hindi mo siya magamit. Because that means you stayed healthy, safe, and alive.

Insurance isn't something you buy because you expect to use it. You buy it so that if life takes an unexpected turn, you and your family won't have to carry the financial burden alone.

Just like a seatbelt or a fire extinguisher, you'll be thankful it's there if you ever need it.

Instead of worrying if your retirement fund will be enough, why not start building one that can give you ๐—ด๐˜‚๐—ฎ๐—ฟ๐—ฎ๐—ป๐˜๐—ฒ๐—ฒ๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ...
29/07/2026

Instead of worrying if your retirement fund will be enough, why not start building one that can give you ๐—ด๐˜‚๐—ฎ๐—ฟ๐—ฎ๐—ป๐˜๐—ฒ๐—ฒ๐—ฑ ๐—น๐—ถ๐—ณ๐—ฒ๐˜๐—ถ๐—บ๐—ฒ ๐—ถ๐—ป๐—ฐ๐—ผ๐—บ๐—ฒ?

Whether your goal is 20,000 or 100,000 a month during retirement, it all starts with planning today.

The best part? You can begin preparing now and enjoy the benefits as early as 5 years from now.

Your future self will thank you for making the decision today. โค๏ธ

Life insurance isn't just a policy.It's one of the purest ways to say, "I will always love you," even when you are no lo...
25/07/2026

Life insurance isn't just a policy.

It's one of the purest ways to say, "I will always love you," even when you are no longer around.

Love protects. Love prepares. Love provides. โค๏ธ

One thing I admire about parents is how they will do EVERYTHING they can to protect their family. These clients chose to...
20/07/2026

One thing I admire about parents is how they will do EVERYTHING they can to protect their family.

These clients chose to get insured, not because they got the most expensive plan, but because they wanted to make sure their kids will have financial protection no matter what happens to them.

Hindi kailangan ng malaking hulog agad. Start with a plan that fits your budget. After all, a small premium is still better than having no protection at all. You can always increase your coverage over time. โค

We work hard every day.Pero ang tunay na tanong...Who are you working hard for?The greatest expression of love is prepar...
19/07/2026

We work hard every day.

Pero ang tunay na tanong...

Who are you working hard for?

The greatest expression of love is preparing for the future.

Happy Sunday! โค๏ธ

๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€ ๐—ฃ๐—ฟ๐—ผ๐—ฐ๐—ฒ๐˜€๐˜€๐—ฒ๐—ฑ ๐˜๐—ต๐—ถ๐˜€ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ.  ๐Ÿ™Every claim is a reminder that life is unpredictable. This year, we've already processed c...
17/07/2026

๐—–๐—น๐—ฎ๐—ถ๐—บ๐˜€ ๐—ฃ๐—ฟ๐—ผ๐—ฐ๐—ฒ๐˜€๐˜€๐—ฒ๐—ฑ ๐˜๐—ต๐—ถ๐˜€ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ. ๐Ÿ™

Every claim is a reminder that life is unpredictable.
This year, we've already processed claims for:

โœ… January โ€“ Volleyball injury
โœ… February โ€“ Fall on concrete stairs
โœ… March โ€“ Cat scratch (2)
โœ… April โ€“ Cat scratch
โœ… May โ€“ Gouty Arthritis
โœ… July โ€“ Stage 5 Chronic Kidney Disease, dog bite & food poisoning (ongoing processing)

Happy to help my clients not just with advice, but with financial support when they need it most.

Hopefully, you'll never need to use your insurance. But if you do, you'll be glad you have it. โค๏ธ

15/07/2026

๐—ฆ๐—œ๐—š๐—ก๐—ฆ ๐—ฌ๐—ข๐—จ ๐—ก๐—˜๐—˜๐—— ๐—œ๐—ก๐—ฆ๐—จ๐—ฅ๐—”๐—ก๐—–๐—˜

โœ”๏ธ May umaasa sa income mo
โœ”๏ธ May mga utang ka
โœ”๏ธ Breadwinner ka
โœ”๏ธ May sariling pamilya
โœ”๏ธ Gusto mong hindi maging burden sa loved ones

Kahit isa lang ang "Yes," it's worth considering. ๐Ÿค”

Message me for a free proposal. ๐Ÿ“ฉ

Address

Pasig City
Pasig

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