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You should know that life is a huge and unpredictable adventure. Today, you can be eating gourmet food while tomorrow you can be surviving off of instant noodles for your breakfast, lunch and dinner.

Now, you can be enjoying the products of your hard work while later, all these earnings may be wiped away in an instant.

This is where security comes in.

Let's say that you love walking in the park to exercise, to brainstorm and mostly to stalk on your long-time crush in real-life.

So that you won't be too obvious, you brought your little brother with you during your walk.

You heard that it was going to be a nice weather – not too sunny and not too rainy as well. However, before going out, you still applied sunscreen lotion and brought your lotion bottle, rain coat and umbrella with you.

You decided to be sure, just in case, of course!

Upon going out, you were shocked to know that the sun immediately intensified its rays. Gasp! It was a sunny day! Good thing you applied sunscreen.

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After 3 hours, though, your crush is still nowhere in sight. Also, the sun is still angrily glaring at you and your protection from it is deteriorating! What you did was apply sunscreen again. Thank God you brought the bottle with you!

Your emergency fund is your sunscreen lotion:

- It's worth 3-6 months' of your monthly expenses.

- It's supposed to be accessible and liquid so that you can easily tap into it for emergency situations.

- After using it all up, you're supposed to fill it up again.

After waiting for an additional one hour, your Daniel Padilla-look-alike crush appeared. He's still as attractive and as suave as ever.

Suddenly, you felt a hint of wetness – you noticed that light rain was drizzling.

It's umaambon! What you did was put a raincoat on you and your little brother for protection.

Your rain coat is your health insurance.

- You need it for sudden medical emergencies.

- Your hospitalization and medical expenses are covered so you don't have to watch your life savings be swept away.

- There are many types of health insurance but you have to shop around and get the best fit for you and for your dependents.

“Blast this rain”, you thought. Now where was your crush? Oh there, he's there

and walking... Walking away!

He's holding hands with someone?

Who?

Oh my gosh, was he holding hands with your best friend? (How cliché!)

Your best friend and your crush are going out?!

To make matters worse, the rain even got stronger. Heartbroken and panicking, you opened your umbrella and gave it to your little brother so that he could cover himself. Then, you run after the couple while crying in pain and laughing at the irony of it all.

And your umbrella? It's your life insurance.

- When you become disabled or when you pass away, your life insurance would be left to your dependents.

- Your dependents will then rely on your life insurance to stand as your income replacement.

- Life insurance makes sure that your loved ones are protected even after your death.

Right now, there are three types of life insurance that you should be familiar with.

• TERM Life Insurance is perfect for:

◦ Twenty to thirty to forty-somethings. It protects your dependents when you're already gone. You get no return of your deposit when you're still alive and the term expires.

• PERM (Whole) Life Insurance is perfect for:

◦ People who don't really care about maximizing their money's potential. sell insurance. It protects your dependents while you're gone and makes you deposit for a long, long time. Boom boom pow.

However, there's another insurance product that I like right now. In fact, I like it so much I recommend it to my suitable clients – it's a life insurance + investments + savings product. Think of it as 3-in-1!

• EARN Life Insurance (Variable Unit Life Insurance)

◦ Everyone can take advantage of the benefits of this product.

◦ A VUL is a life insurance product with investment benefits and savings factor.

◦ The amount you set aside for it will be used to:

- provide for your loved ones financially, even if you're not with them anymore;

-fund your dependent's cost of living and create a brighter and better future for them;

- make your money work hard for you because you have the potential to gain higher interest rates than banks' savings accounts as your money is invested;

Protect your income & retire with MILLIONS. Ask me how at The Wise Living now.

◦ You also have the option to withdraw your investment fund any time because after all, it is your money.

◦ It acts like an income protection account plus savings account plus investment account = 3-in-one

Some VULs that you may want to take a look at are:

Sun Maxilink Prime: Your Ticket for Retirement

Sun Flexilink Assist: Health and Wealth

With these, I can personally assist you in opening your own income protection + investment accounts. 

your income

& retire with MILLION S. Ask me how at The Wise Living now.

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