I DID IT! My Insurance & Investment Policy from Pru Life UK

I did it!

Finally, I received the copy of my insurance & investment policy last night.

I am really glad that I have taken a concrete step towards a more favorable future when I grow old or some consolation to those I will leave behind when I die.



In this world nothing can be said to be certain, except death and taxes.

- Benjamin Franklin

After ample consultations with friends whom I consider good with their finances, I availed of a variable universal life insurance (VUL) plan from Pru Life UK. Basically, it is an insurance plan with investment. In a VUL, your money does not only pay for the insurance premium but also get invested.

I preferred VUL over life insurance because I figured that if I suddenly die, I have no clear beneficiaries since both of my parents already passed away and I have yet to get married.

Good thing for me, a friend is an authorized financial adviser of Pru Life UK. He was able to offer me a VUL policy customized to my financial capability.

For a monthly premium of Php 2, 716.33, payable in 10 years, I have a permanent disability/accidental death coverage of Php 900, 000. The policy also offers Php 1,000 hospital allowance per day.

But what I am really excited about is that the money I pay is invested by Pru Life UK to their equite fund and it can grow up to as much as Php 1.4 Million. Although that is looking much farther down the road, I think that amount is more than enough to take care of a 65 year old me.

I also registered my policy to Pru Life UK's online facility so that I can track it anywhere.

My next step to financial freedom is to get a health insurance.

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Torn Between Two Flavors

Cadbury Dairy Milk has introduced two new flavors - French Vanilla and Chocolate Mousse - which has thrown me into a sweet confusion!

If only dilemma's in life can be this sweet? I will go for either one myself but my dilemma is which one to give to my girlfriend as a pasalubong when I visit?

Is it French Vanilla?


Or should it be Chocolate Mousse?


I say I go with #TeamFrenchVanilla! Make her happy and perhaps get rewarded with some french kissing, eh? Bonne Chance!

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RIP Senator Juan Flavier and Thank You

Rappler reported that the good Senator Juan Flavier had passed away yesterday.



Screengrab from the Rappler report.


I believe the he was among the few who gave his best while serving in the government. He was effective as a Secretary of Health. I would say that Filipinos would remember him more than the other who served as secretaries.

As a senator, he gained a reputation for being competent and more importantly with no taint of corruption.

I came to know of his column in Manila Bulletin during my job hunting days after graduation.

Thank you for your service, good Senator.

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