29/09/2026
Habang bata't healthy pa, i-prioritizd na rin kumuha ng insurance plan dahil hangga't sinasabi mong "saka na yan hindi ko pa naman kailangan" ay mas lalo pang magmamahal ang value nito
Isa sa mga bagay na madalas nakakalimutan natin sa financial planning: TIME.
Pagdating sa traditional life insurance, one thing that can affect the cost of your coverage is your age when you apply.
So gumawa ako ng simple comparison table using SUN Smarter Life Classic Peso 10, a traditional whole-life insurance plan from Sun Life Philippines.
For this sample, we’re looking at a ₱1 Million total death benefit, coming from a ₱500,000 base face amount, with a 10-year payment term.
Same coverage. Same 10-year payment period.
Pero habang nagbabago ang entry age, nagbabago rin ang premium and total amount na lalabas sa bulsa.
📊 Sample scenario:
• Male
• Corporate employee
• Non-smoker
• Healthy / standard medical risk
• ₱1M total death benefit
• 10-year payment term
Hindi naman ibig sabihin nito na kailangan mong kumuha ng insurance habang bata ka agad.
The point is simply to show why age is one of the factors to consider when planning for permanent life insurance.
And when you're building a long-term financial plan, life insurance is also one of the tools you might consider as part of your overall retirement planning—particularly for protection and leaving a financial benefit to your family.
Hindi ito kapalit ng investments or retirement savings. Different tools, different purposes.
Kaya important din na alam natin kung ano ang purpose ng bawat financial product bago tayo mag-decide.
Disclaimer: For educational and informational purposes only. This is a sample illustration and not an offer or recommendation to purchase insurance or any product. Actual premiums and coverage are subject to underwriting and the terms of the insurance policy.
