Brighter.Bro

Life Insurance Benefit from work, sapat na nga ba?

Technically, okay na okay ang mga companies na mayroong Insurance Benefits given to their employees as Group Life Insurance. Some are 15x of their monthly salary and some are 20x. For me as a Team Leader sa isang FinTech Company, I have a benefit of 24 times of my monthly salary. Ang galing nu? Super thankful ako kasi it adds peace of mind, na kahit anung mangyare sakin, alam kong hindi mahihirapan ang mga taong naka depende sa income ko dahil mayroong sort of money na mapupunta sa kanila just incase maaga tayong kunin ni Lord. Now, sapat na nga ba na may ganito kang klasing benefit from your company? My own answer for that is a big NO. Bakit? Dahil hindi forever na magiging employee nila ako. Darating ang time na kailan kong mag retire. Paano ren kung matanggal ako sa work? Paano ren kung gustuhin kong mag-resign? So kapag dumating any of those scenarios, mawawala lahat ng benefits ko from them. Paano nalang yung Life Insurance sana na inaasahan ko for my income protection? Kaya mas mabuti paren talaga na mayroon tayong sariling Life Insurance. Yung masasabi mung kahit anung mangyare sa buhay mo is mayroong kang aasahan at hindi nakadepende sa work benefits mo. Dahil hindi naten alam or sure kung hanggang kailan tayo employed with them.

Congrats at saludo ako sa iyo kung mayroon kana dahil isa kang mapagmahal na tao na hindi lang sarili ang iniisip kundi pati ang kanyang pamilya. Now if wala pa at ngayun mulang na-realized and alam mong kaya mo naman, I highly suggest to talk to your trusted Financial Advisor 😊

Buying a house is one of the many milestones that can trigger the need for life insurance.

Becoming a parent is one of the many milestones that can trigger the need for life insurance.