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Showing posts with label life insurance. Show all posts
Showing posts with label life insurance. Show all posts

Friday, June 04, 2021

4 na bagay kung saan HINDI mo dapat ilagay ang iyong emergency fund



MANILA, Philippines — DAHIL sa pandemya napagtantu ng karamihan na napaka-importante ang pagkakaroon ng emergency fund upang may magamit sa mga hindi inaasahang pangyayari.

Kung may sapat na emergency fund, magkakaroon ka ng peace of mind at malaya ka ring gawin ang mga bagay na gusto mo.

Pero ano nga ba ang emergency fund at bakit importante ito?

Mas magandang nakalagay sa savings account ang emergency fund na maaaring magamit sa mga hindi inaasahang pangyayari. Ang emergency fund ay isang bank accout na may perang nakalaan bilang pambayad sa mga malalaki at hindi inaasahang gastusin gaya ng mga sumusunod:
  • Hindi inaasahang medical expenses
  • Home appliance repair o replacement
  • Pagpapa-ayos ng sasakyan
  • Biglaang pagkawala ng trabaho o unemployment

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Bakit kailangan ng isang tao ang emergency fund?

Napaka-importante ang pagkakaroon ng emergency fund upang may magamit ka sa panahon ng pangangailangan na hindi umaasa sa credit cards, mga loans na may mataas na interes o mangutang sa ibang tao.

Mas lalong mahalaga ang pagkakaroon ng emergency fund kung mayroon kang utang dahil makatutulong ito upang maiwasan mo ang manghiram pa sa iba.

Magkano ba ang dapat i-save bilang emergency fund?

Magsimula sa maliit, subukang magtabi ng kunti muli sa iyong sahod o kinikita buwan-buwan. Kung gumagana ang iyong paraan, palakihin ito hanggang sa kalahating taong na halaga ng iyong mga gastusin.

Ang tamang amount ng emergency fund ay base sa iyong financial circumstances, pero ang "rule of thumb", dapat kaya nitong sagutin ang tatlo hanggang sa apat na buwang living expenses mo.

Mas kailangan mo ng malaki kung ikaw ay isang freelance worker para kung mawalan ka ng trabaho sa mahaba-habang panahon, may pera kang magamit pambili ng mga pangangailangan habang naghahanap ka ng bagong trabaho.

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Saan dapat ilagay ang emergency fund?

Maituturing na easy access ang emergency fund na nasa savings account na may mataas na interest rate. Dahil maaaring mangyari anumang oras ang emergency, importante ang mabilis na access sa iyong emergency fund.

Magandang lugar din para sa iyong emergency fund ang high-yield savings account at mas ligtas ito. Magkakaroon ng interes ang iyong pera at mabilis mo itong makukuha kung kinakailangan sa pamamagitan ng withdrawal o funds transfer.

Ngayong alam mo na ang kahalagahan ng pagkakaroon ng emergency fund, importante din na alam mo kung saan ito hindi dapat ilagay.

Ayon sa MoneyMax, narito ang mga suggestions kung saan hindi mo dapat ilagay ang iyong emergency fund.

1. Sa bahay — Safe ba ang emergency fund sa bahay? Hindi. Makaluma na ang pagtatabi ng pera sa bahay o ang paglalagay nito sa mga alkansiya. Kahit masasabing easy access ang pera mo sa bahay, delikado naman ito dahil maari itong manakaw, ma-misplace, mabasa ng ulan o baha, aksidenteng masunog o kainin ng daga.

2. Stock market — Kahit mataas ang posibilidad na lalaki ang pera mo sa stock market, hindi ito ideal place para palaguin ang emergency fund. Anumang oras maaaring mag-crash ang stock market at posibleng mawala ang pera mo. Kung sarado ang trading wala ka ring access sa pera mo. Hindi madali ang withdrawal dahil may mga stock market na tumatagal ang ng ilang araw bago pumasok sa account mo ang perang winidraw.

3. Life insurance — Importante ang pagkakaroon ng life insurance. Pero hindi advisable na gamitin mo ang emergency fund sa pagkuha ng life insurance. Kahit covered ka ng insurance sakaling ikaw ay magkasakit o maaksidente, hindi lang ito ang mga emergencies na dapat mong paghandaan.

May mga posibilidad na masira ang iyong sasakyan o bagyuhin ang bahay mo na kailangan mong ding ipa-ayos.

4. Paluwagan — Hindi naman masama ang legitimate na paluwagan, pero hindi mo dapat isugal ang emergency fund mo dito. Kahit may tiwala ka sa mga miyembro ng paluwagan, may tsansa pa rin na may mga miyembrong mahihirapan magbayad on time.
Hindi lamang mauuwi sa utang ang emergency fund mo, madadamay pa ang relasyon mo sa iyong mga kaibigan at kamag-anak.

Maliban pa rito, hindi din maganda na ilagay sa mga long-term investment fund ang iyong emergency fund. Dapat nasa isang acount ito na hiwalay sa bank account na madalas mong ginagamit para hindi ka matuksong paki-alaman.

©2020 THOUGHTSKOTO
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Wednesday, July 11, 2018

OFW Protect From Standard Insurance For as Low as P2,700 Per Year

The main reason why Overseas Filipino Workers (OFW) decide to work abroad so that it can provide the needs or even wants of its family back home. Oftentimes, the OFW becomes the breadwinner of the family. But what will happen if the OFW can no longer work due to unfortunate events? For example, sudden death or disability? This is the reason why every OFW should consider having an insurance. This is not just to ensure you as a breadwinner of the family but also making your family safe and secure if the untoward incident may happen. 
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The main reason why Overseas Filipino Workers (OFW) decide to work abroad so that it can provide the needs or even wants of its family back home. Oftentimes, the OFW becomes the breadwinner of the family. But what will happen if the OFW can no longer work due to unfortunate events? For example, sudden death or disability? This is the reason why every OFW should consider having an insurance. This is not just to ensure you as a breadwinner of the family but also making your family safe and secure if the untoward incident may happen.
If you are looking for insurance you may consider the OFW Protect under Standard Insurance. According to its website, "OFW Protect is designed to fit the needs of OFWs." Under the insurance program, the OFW will be covered from the following;
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  • Accidental Death
  • Permanent Total Disability
  • Accident Medical Reimbursement
  • Daily Hospital Income
  • Educational Assistance
  • Fire/Flood Loss Assistance
  • Burial Benefit
  • Repatriation
  • Personal Liability
  • Extensions of Cover
  • Drowning
  • Dog or Snake Bites
  • Claims arising out of Typhoon and Flood
  • Suffocation by smoke or poisonous fumes
  • Accidental Poisoning
  • Motorcycling Risk

OFW Protect Plan Types:
  • Package 1 – Php 1,000,000.00 coverage for only Php 6,200.00 (per year)
  • Package 2 – Php 750,000.00 coverage for only Php 4,200.00 (per year)
  • Package 3 – Php 500,000.00 coverage for only 3,200.00 (per year)
  • Package 4 – Php 250,000.00 coverage for only 2,700.00 (per year)
  • Filipino Overseas Contract Workers
  • 18-65 years old
  • single or married, widow or widower
  • Primary – Spouse, or if not married, Parents not over 65 years old
  • Secondary – Children of OFW not over 21 years old and are dependent to the OFW for support and maintenance (maximum of 3)
– If OFW is Single and/or with no child, brothers and sisters not over 21 years old and are dependent to the OFW for support and maintenance (maximum of 3)

For more information about OFW Protect, you may inquire here. You may also call the company's Customer Service at (02) 845-1111, email them at inquiry@standard-insurance.com or visit any of their branches nationwide.
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Overseas Filipino Workers (OFWs) need to save while earning big from working abroad. As OFWs, saving money for an emergency, for our family's future or for our retirement is important. Opening a savings account in a bank that you trust and gives value to your money will inspire you to save more. Bayani OFW Savings from Sterling Bank of Asia is a savings account that comes with no maintaining balance and for as low as P2,000 pesos in your account, your money with grow with interest.

For minimum wage earners, there are times that it is hard to apply for a loan even in government financial institution, how much more in private. If you are receiving around P10,000 a month salary, it is really hard to apply for a loan, since your payslip is number one requirements to know your capacity to pay.

One of the best banks in the Philippines that offers a good option to Overseas Filipino Workers (OFW) is the Chinabank through its Overseas Kabayan Savings. By opening this savings account, you can start saving money for your future or retirement as OFW at the same time, send money to your family in the Philippines. Having a savings account for OFWs is very important because working abroad is not permanent.

If you want a savings account that does not require an initial deposit, you can apply for Sikap Pinoy OFW Account in Bank of Commerce. However, the Sikap Pinoy OFW Account is exclusively for Overseas Filipino Workers (OFW) only and their beneficiaries.


©2018 THOUGHTSKOTO
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Wednesday, April 04, 2018

4 Effective Financial Tips for OFWs

To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement.
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4 Effective Financial Tips for OFWs To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement. For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs. 1. Money Management Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund. By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future. 2. Choose Safe Channels When Sending Remittances Home OFW send money back home almost every month. When sending your remittances, avoid these three things; 1. Physical transfer through people or "padala" 2. Sending money to your family through another person's bank account 3. Sending money through the mail There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home. 3. Get a life insurance coverage Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad. 4. Save This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.
For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs.
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1. Money Management

Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund.

By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future.
4 Effective Financial Tips for OFWs To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement. For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs. 1. Money Management Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund. By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future. 2. Choose Safe Channels When Sending Remittances Home OFW send money back home almost every month. When sending your remittances, avoid these three things; 1. Physical transfer through people or "padala" 2. Sending money to your family through another person's bank account 3. Sending money through the mail There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home. 3. Get a life insurance coverage Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad. 4. Save This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.
Read: 5 Financial Tips for Families of OFWs

2. Choose Safe Channels When Sending Remittances Home

OFW send money back home almost every month. When sending your remittances, avoid these three things;
  • Physical transfer through people or "padala"
  • Sending money to your family through another person's bank account
  • Sending money through the mail
There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home.
4 Effective Financial Tips for OFWs To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement. For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs. 1. Money Management Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund. By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future. 2. Choose Safe Channels When Sending Remittances Home OFW send money back home almost every month. When sending your remittances, avoid these three things; 1. Physical transfer through people or "padala" 2. Sending money to your family through another person's bank account 3. Sending money through the mail There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home. 3. Get a life insurance coverage Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad. 4. Save This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.
Read: 7 Tips for OFWs to Save Money When Transferring Funds Overseas

3. Get a life insurance coverage

Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad.
4 Effective Financial Tips for OFWs To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement. For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs. 1. Money Management Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund. By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future. 2. Choose Safe Channels When Sending Remittances Home OFW send money back home almost every month. When sending your remittances, avoid these three things; 1. Physical transfer through people or "padala" 2. Sending money to your family through another person's bank account 3. Sending money through the mail There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home. 3. Get a life insurance coverage Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad. 4. Save This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.

Read: Free Insurance For The OFWs, Just By Saving And Sending Remittances

4. Save

This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. 

It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.
4 Effective Financial Tips for OFWs To provide the needs and to secure the family's future. This is the most common reason why many Filipinos decide to work abroad. But as an Overseas Filipino Workers (OFW) working overseas is not just about securing our family's needs, it is also about protecting ourselves and preparing for our own future or retirement. For OFWs, saving money is not enough, we should invest and make our money works for us in the future. How can we do this? By hard work and discipline and of course by following this four effective financial tips especially made for OFWs. 1. Money Management Yes, your family back home needs the money, but it does not mean you will send all your salary to them. As the one who earns, it is important that you master how to segregate your earnings. Set a portion of your salary for your family, for your personal and basic needs like daily expenses, for your bills and the most important for your savings or emergency fund. By doing this you need to master self-discipline when it comes to money. This is the number one key not just for your own personal protection as an OFW but also for your family's future. 2. Choose Safe Channels When Sending Remittances Home OFW send money back home almost every month. When sending your remittances, avoid these three things; 1. Physical transfer through people or "padala" 2. Sending money to your family through another person's bank account 3. Sending money through the mail There are many credible banking institutions nowadays that offer remittance services that you can fully trust. With this, you are not protecting your hard-earned money, but also yourself and your family back home. 3. Get a life insurance coverage Have you ever wonder what will happen to your family in case of your disability or untimely death? This is the main reason why insurance exists. If you have financial protection, you are confident that your family is secured whatever happens to you while working abroad. 4. Save This is a very common financial tip. To save for the future. But unfortunately, many OFWs end up without savings and still working in spite of old age because of the family back home that still depends on their earning. Do not ever think that working abroad with a big salary is forever! While earning big, save money for emergency funds. It is hard to be away from your family but it is harder if you cannot support yourself when you are old and no longer capable of working. Make sure to set aside even a small amount every month. Pay yourself first before paying for anything else.
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Saturday, March 17, 2018

Can OFWs Buy Life Insurance Online?

What if something happened to you? How would be the financial status of your family especially when they have to pay the mortgage, rent, monthly bills, daily needs, tuition fee, etc. and you don't have a life insurance?
Life insurance is a way of saving for the future of our loved ones should anything untoward happened to us. It provides financial security and peace of mind to your family and immediate beneficiaries. 
As overseas Filipino workers (OFW) who are always outside the country, applying for a life insurance could be somewhat difficult.
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What if something happened to you? How would be the financial status of your family especially when they have to pay the mortgage, rent, monthly bills, daily needs, tuition fee, etc. and you don't have a life insurance? Life insurance is a way of saving for the future of our loved ones should anything untoward happened to us. It provides financial security and peace of mind to your family and immediate beneficiaries. As overseas Filipino workers (OFW) who are always outside the country, applying for a life insurance could be somewhat difficult. Advertisement Sponsored Links Now OFWs can secure their future by availing life insurance online. AXA Life launched AXA Ion, the first life insurance which you can purchase at the convenience of your own home through internet. There will be no need for the OFWs to wait for their next vacation just to get a life insurance. AVAILABLE PRODUCTS Educational Plan The cost of college education in a good private school today is over P100,000 a year and tuition fees also regularly increase. Academic Exentials is an educational plan with guaranteed cash benefits to help you with the costs of college education like tuition fees, textbooks, or learning materials. Automatic Savings Plan Savings Exentials is the easy, convenient and automatic way to save even while you’re abroad. Another feature of Savings Exentials is that you won’t have to pay premiums if you get totally or permanently disabled. Moreover, should you become disabled or suddenly pass away, you or your family will still receive the guaranteed cash benefits on your savings plan when your Savings Exentials matures. Health and Disability Insurance More and more people are getting sick with critical illnesses such as heart disease, stroke, and cancer. Treatments for these can be very expensive. With Health Exentials, you get a value-for-money health plan that can provnide you more than P5,000,000 worth of medical benefits for as low as only P59 a day. Health Exentials gives you high coverage in case you get any of the 35 critical conditions or illnesses covered, 100% upon diagnosis and another 100% if you get totally and permanently disabled because of the condition. You also get a cash benefit for every day of hospitalization when you are confined in for 3 days or longer, plus double the amount in case you’re confined in the ICU (intensive care unit). You also get a cash benefit if you reach age 55 without using this critical illness insurance plan or in case you pass away within the coverage period Life Insurance You work hard away from your loved ones to give them a good life. But what happens if you unexpectedly pass away, especially while you are abroad? Who will take care of the day-to-day needs of your family? With Life Exentials, your family and loved ones can receive cash for up to 60 months in case of your death or upon diagnosis of a terminal illness, even while you’re abroad. Your family can use the guaranteed cash benefit to help pay for daily living costs, including household expenses, food, rent, and utility bills. They can also stay ahead of long-term costs, like education or mortgage, even after you’re gone, so that your dreams for them can still come true, even when you’re gone. Read More: 5 Signs A Person Is Going To Be Poor And 5 Signs You Are Going To Be Rich Tips On How To Handle Money For OFWs And Their Families How Much Can Filipinos Earn 1-10 Years After Finishing College? Former Executive Secretary Worked As a Domestic Worker In Hong Kong Due To Inadequate Salary In PH Beware Of Fake Online Registration System Which Collects $10 From OFWs— POEA Is It True, Duterte Might Expand Overseas Workers Deployment Ban To Countries With Many Cases of Abuse? Do You Agree With The Proposed Filipino Deployment Ban To Abusive Host Countries?

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Now OFWs can secure their future by availing life insurance online.
AXA Life launched AXA Ion, the first life insurance which you can purchase at the convenience of your own home through internet. There will be no need for the OFWs to wait for their next vacation just to get a life insurance.
What if something happened to you? How would be the financial status of your family especially when they have to pay the mortgage, rent, monthly bills, daily needs, tuition fee, etc. and you don't have a life insurance? Life insurance is a way of saving for the future of our loved ones should anything untoward happened to us. It provides financial security and peace of mind to your family and immediate beneficiaries. As overseas Filipino workers (OFW) who are always outside the country, applying for a life insurance could be somewhat difficult. Advertisement Sponsored Links Now OFWs can secure their future by availing life insurance online. AXA Life launched AXA Ion, the first life insurance which you can purchase at the convenience of your own home through internet. There will be no need for the OFWs to wait for their next vacation just to get a life insurance. AVAILABLE PRODUCTS Educational Plan The cost of college education in a good private school today is over P100,000 a year and tuition fees also regularly increase. Academic Exentials is an educational plan with guaranteed cash benefits to help you with the costs of college education like tuition fees, textbooks, or learning materials. Automatic Savings Plan Savings Exentials is the easy, convenient and automatic way to save even while you’re abroad. Another feature of Savings Exentials is that you won’t have to pay premiums if you get totally or permanently disabled. Moreover, should you become disabled or suddenly pass away, you or your family will still receive the guaranteed cash benefits on your savings plan when your Savings Exentials matures. Health and Disability Insurance More and more people are getting sick with critical illnesses such as heart disease, stroke, and cancer. Treatments for these can be very expensive. With Health Exentials, you get a value-for-money health plan that can provnide you more than P5,000,000 worth of medical benefits for as low as only P59 a day. Health Exentials gives you high coverage in case you get any of the 35 critical conditions or illnesses covered, 100% upon diagnosis and another 100% if you get totally and permanently disabled because of the condition. You also get a cash benefit for every day of hospitalization when you are confined in for 3 days or longer, plus double the amount in case you’re confined in the ICU (intensive care unit). You also get a cash benefit if you reach age 55 without using this critical illness insurance plan or in case you pass away within the coverage period Life Insurance You work hard away from your loved ones to give them a good life. But what happens if you unexpectedly pass away, especially while you are abroad? Who will take care of the day-to-day needs of your family? With Life Exentials, your family and loved ones can receive cash for up to 60 months in case of your death or upon diagnosis of a terminal illness, even while you’re abroad. Your family can use the guaranteed cash benefit to help pay for daily living costs, including household expenses, food, rent, and utility bills. They can also stay ahead of long-term costs, like education or mortgage, even after you’re gone, so that your dreams for them can still come true, even when you’re gone. Read More: 5 Signs A Person Is Going To Be Poor And 5 Signs You Are Going To Be Rich Tips On How To Handle Money For OFWs And Their Families How Much Can Filipinos Earn 1-10 Years After Finishing College? Former Executive Secretary Worked As a Domestic Worker In Hong Kong Due To Inadequate Salary In PH Beware Of Fake Online Registration System Which Collects $10 From OFWs— POEA Is It True, Duterte Might Expand Overseas Workers Deployment Ban To Countries With Many Cases of Abuse? Do You Agree With The Proposed Filipino Deployment Ban To Abusive Host Countries?
AVAILABLE PRODUCTS

Educational Plan
The cost of college education in a good private school today is over P100,000 a year and tuition fees also regularly increase.

Academic Exentials is an educational plan with guaranteed cash benefits to help you with the costs of college education like tuition fees, textbooks, or learning materials.

Automatic Savings Plan
Savings Exentials is the easy, convenient and automatic way to save even while you’re abroad. Another feature of Savings Exentials is that you won’t have to pay premiums if you get totally or permanently disabled.

Moreover, should you become disabled or suddenly pass away, you or your family will still receive the guaranteed cash benefits on your savings plan when your Savings Exentials matures.

Health and Disability Insurance

More and more people are getting sick with critical illnesses such as heart disease, stroke, and cancer. Treatments for these can be very expensive.

With Health Exentials, you get a value-for-money health plan that can provnide you more than P5,000,000 worth of medical benefits for as low as only P59 a day.

Health Exentials gives you high coverage in case you get any of the 35 critical conditions or illnesses covered, 100% upon diagnosis and another 100% if you get totally and permanently disabled because of the condition.

You also get a cash benefit for every day of hospitalization when you are confined in for 3 days or longer, plus double the amount in case you’re confined in the ICU (intensive care unit). You also get a cash benefit if you reach age 55 without using this critical illness insurance plan or in case you pass away within the coverage period

Life Insurance

You work hard away from your loved ones to give them a good life. But what happens if you unexpectedly pass away, especially while you are abroad? Who will take care of the day-to-day needs of your family?

With Life Exentials, your family and loved ones can receive cash for up to 60 months in case of your death or upon diagnosis of a terminal illness, even while you’re abroad.

Your family can use the guaranteed cash benefit to help pay for daily living costs, including household expenses, food, rent, and utility bills. They can also stay ahead of long-term costs, like education or mortgage, even after you’re gone, so that your dreams for them can still come true, even when you’re gone.
©2018 THOUGHTSKOTO
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Monday, February 12, 2018

This Savings Bank Offers Free Opening Account and Free Accident Insurance

This bank offers to open savings account for your kids without the initial deposit, called Kiddie and Teen Savings Program and if you maintain at least P1,000 balance in his or her account, your child will have a free family life insurance, personal insurance and accident insurance. This insurance offers will be expounded below. 
In a world full of material things, it is really important to teach our children on how to save money. Saving in piggybank has been a tradition in the Philippines, but we can level this up by opening a savings account for our children and encourage them to save until they grow up. Eventually, the money they saved in the bank can be used in their college education or as a start-up capital for a small business. If you are interested in opening a savings account for your kids PS bank offers Kiddie and Teen Savings Account where clients can open an individual, joint or In Trust For (ITF) accounts for their children's savings. This could be the best account to save money for your children. We all know that PS Bank is one of the best banks to open savings account for kids.
In a world full of material things, it is really important to teach our children on how to save money. Saving in piggybank has been a tradition in the Philippines, but we can level this up by opening a savings account for our children and encourage them to save until they grow up. Eventually, the money they saved in the bank can be used in their college education or as a start-up capital for a small business.

If you are interested in opening a savings account for your kids PS bank offers Kiddie and Teen Savings Account where clients can open an individual, joint or In Trust For (ITF) accounts for their children's savings. This could be the best account to save money for your children. We all know that PS Bank is one of the best banks to open savings account for kids.
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You can choose the following;

PSBank Kiddie Savers Account — 0 to 12 years old
PSBank Teen Savers Account — 13 to 18 years old

Here are the benefits;

1. Free personal accident insurance

The PSBank Kiddie and Teen Savers Account come with a free personal accident insurance from Charter Ping An Insurance Corporation which is equivalent to five times (5x) the monthly average daily balance. This means that the child or teen is insured against accidental death or disability up to a maximum of PhP500,000 for those who are 0-7 years old and up to an aggregate limit of PhP5 million for those who are more than 7 years old but not more than 18 years old. To claim the insurance, the account has to be active and should have a monthly average daily balance of at least PhP1,000 during the time of the accident.

2. Saving is easy and affordable.

There’s no initial deposit or maintaining balance and the account earns interest regardless of the balance.
3. Easy access to funds.

In case, you choose to open a Passbook and ATM, he/she can request for a PSBank Debit Mastercard and can use this to conveniently withdraw cash in any PSBank ATM nationwide or through BancNet and Mastercard ATMs.

4. Banking made easy.

Enroll in PSBank Online and PSBank Mobile, the Bank's secure and convenient electronic banking facilities, to be able to check your account balances and perform other banking transactions anytime, anywhere.

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WHAT ARE THE REQUIREMENTS?

  • Completely filled-out bank forms:

Customer Information Sheet (CIS) for Individual Clients

Signature Card

Signing Instructions and Acknowledgement of Receipt Form



— Fully accomplished Interbank Fund Transfer (IBFT) Enrollment form if parents and guardians want to avail of automatic intra-bank fund transfer service



— Quit Claim / Waiver signed by the parent or guardian (only for PSBank Kiddie Savers and Teen Savers Accounts with PSBank Debit Mastercard)
  • Additional requirements for legal guardians opening an ITF account:
Customer Information Sheet (CIS) for Beneficiaries and Beneficial Owners
A Court Order is required as proof of authority to open and operate an ITF account on behalf of the ward/s
  • Valid IDs
Parents / Legal Guardians:
— At least (1) primary ID or (2) valid secondary IDs, one of which with photo and signature

Child/ren or Ward/s
— Birth Certificate issued by the NSO or Certified True Copy issued by the Local Civil Registrar
— Passport or School ID (photo bearing duly signed by the principal or head of the school)

Note: Kids/teens from 7-17 years old should be accompanied by his parent(s) or legal guardian/s during account opening.

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Disclaimer: This is not a sponsored post and JBsolis.com is not affiliated with the PSBank. All information in this article is taken from the bank's website for general purposes only. An transaction you entered with the bank is at your own risk and account.

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Tuesday, October 11, 2016

How To Open Savings Account And Get Free Life Insurance In BDO And BPI


Life insurance is pricey, in fact there are only few Filipinos who care to secure themselves with life insurance. But do you know that there are some banks in the Philippines that offers FREE life insurance when you choose to open an account with them? Life insurance is pricey, in fact there are only few Filipinos who care to secure themselves with life insurance. But do you know that there are some banks in the Philippines that offers FREE life insurance when you choose to open an account with them? If you will ask me, I prefer not to invest money in banks, because of very low interest rate. Savings account usually give around 0.5% interest while time deposit has around 1% interest depending on the term and amount of deposit. I did not really gave so much time as to the kinds of savings account or deposit accounts offered by different banks. But, while checking the banks in Philippines, we found out that there are savings account that actually includes life insurance coverage. And they don't charge you for anything. Here are some options you might want to check out. So that while your money is at the bank, you could get some form of insurance in case something happens to you. If you will ask me, I prefer not to invest money in banks, because of very low interest rate. Savings account usually give around 0.5% interest while time deposit has around 1% interest depending on the term and amount of deposit. I did not really gave so much time as to the kinds of savings account or deposit accounts offered by different banks. But, while checking the banks in Philippines, we found out that there are savings account that actually includes life insurance coverage. And they don't charge you for anything. Here are some options you might want to check out. So that while your money is at the bank, you could get some form of insurance in case something happens to you. BDO Kabayan Account Offers FREE LIFE INSURANCE. Free Life and Accident Insurance The BDO Kabayan Account gives FREE life insurance to the OFW or dependents. What is the amount of life insurance? The insured amount is 50% of average daily balance (ADB) and 50% of total remittances in the past 12 months but not exceeding Php 1 million per remitter. *Maximum benefit amount of PHP 1MM for natural death at PHP 2MM for accidental death. The Free Life and Accident Insurance is underwritten by Generali Pilipinas Life Assurance Company, Inc. / Generali Philippines. It is not a bank deposit or obligation of, or guaranteed by BDO Unibank, Inc. (BDO) or the Philippine Deposit Insurance Corporation. BDO is not in the business of offering or issuing insurance and nothing in this form shall be interpreted as to acknowledge that BDO engages in the insurance business. Am I qualified to open Kabayan Account? Program Mechanics: Remitters, 18-65 years old and currently employed, may qualify for Free Life and Accident Insurance through BDO Kabayan Savings Account. Enroll your BDO Kabayan Savings Account in Free Life and Accident Insurance if the account is under the name of the remitter or the remitter's spouse, child, parent or sibling. Each enrolled BDO Kabayan Savings Account must meet the following requirements in the last 12 months: a. At least six (6) remittance transactions b. Average Daily Balance (ADB) of at least PHP25,000 (maintained in your account), which is easy to maintain when you save through your BDO Kabayan Savings Account The enrolled remitter is covered by insurance for every month above requirements are met. The insured amount is 50% of ADB plus 50% of total remittances in the last 12 months not exceeding PHP1M per enrolled remitter. How Do I enroll For BDO Kabayan Savings Account? To qualify remitters of BDO Kabayan Savings Account, enroll the account in Free Life and Accident Insurance now! Free Life and Accident Insurance The BDO Kabayan Account gives FREE life insurance to the OFW or dependents. What is the amount of life insurance? The insured amount is 50% of average daily balance (ADB) and 50% of total remittances in the past 12 months but not exceeding Php 1 million per remitter. *Maximum benefit amount of PHP 1MM for natural death at PHP 2MM for accidental death. The Free Life and Accident Insurance is underwritten by Generali Pilipinas Life Assurance Company, Inc. / Generali Philippines. It is not a bank deposit or obligation of, or guaranteed by BDO Unibank, Inc. (BDO) or the Philippine Deposit Insurance Corporation. BDO is not in the business of offering or issuing insurance and nothing in this form shall be interpreted as to acknowledge that BDO engages in the insurance business. Am I qualified to open Kabayan Account? Program Mechanics: Remitters, 18-65 years old and currently employed, may qualify for Free Life and Accident Insurance through BDO Kabayan Savings Account. Enroll your BDO Kabayan Savings Account in Free Life and Accident Insurance if the account is under the name of the remitter or the remitter's spouse, child, parent or sibling. Each enrolled BDO Kabayan Savings Account must meet the following requirements in the last 12 months: a. At least six (6) remittance transactions b. Average Daily Balance (ADB) of at least PHP25,000 (maintained in your account), which is easy to maintain when you save through your BDO Kabayan Savings Account The enrolled remitter is covered by insurance for every month above requirements are met. The insured amount is 50% of ADB plus 50% of total remittances in the last 12 months not exceeding PHP1M per enrolled remitter. How Do I enroll For BDO Kabayan Savings Account? To qualify remitters of BDO Kabayan Savings Account, enroll the account in Free Life and Accident Insurance now! Another bank in the Philippines that offers FREE life insurance is BPI's Pamana Savings Account the Pamana Savings Account is also available in BPI Family Savings Bank. Am I Qualified To Open Pamana Savings Account? ELIGIBLE PARTICIPANTS. A BPI Pamana Savings Accountholder shall be eligible for a free life insurance coverage, provided the accountholder is at least 15 years old, but not more than 60 years old at the time of account opening, and his/her place of work and/or residence is not in the list of the areas or places restricted by the Company per the relevant Master Policy. What Is The Amount Of Life Insurance? AMOUNT OF INSURANCE. The Amount of Insurance shall be equal to the lower of: a)(ADB x3) three times the account’s average Month-to-Date Average Daily Balance (MTD-ADB) of three calendar months immediately preceding the death of Insured Individual; or b)P 2,000,000 for BPI Pamana Savings Account (Peso) or US$ 40,000 for BPI Pamana Savings Account (US Dollar), For more information about the FREE life insurance of BPI Pamana Savings Account you may check here. What Is The Required Deposit, and Interest Rate of BPI Pamana? There are different variants of BPI Pamana, the table below shall give you an idea what variat should be best for you. For OFWs you can opt for the Pamana Padala. For BPI : Another bank in the Philippines that offers FREE life insurance is BPI's Pamana Savings Account the Pamana Savings Account is also available in BPI Family Savings Bank. Am I Qualified To Open Pamana Savings Account? ELIGIBLE PARTICIPANTS. A BPI Pamana Savings Accountholder shall be eligible for a free life insurance coverage, provided the accountholder is at least 15 years old, but not more than 60 years old at the time of account opening, and his/her place of work and/or residence is not in the list of the areas or places restricted by the Company per the relevant Master Policy. What Is The Amount Of Life Insurance? AMOUNT OF INSURANCE. The Amount of Insurance shall be equal to the lower of: a)(ADB x3) three times the account’s average Month-to-Date Average Daily Balance (MTD-ADB) of three calendar months immediately preceding the death of Insured Individual; or b)P 2,000,000 for BPI Pamana Savings Account (Peso) or US$ 40,000 for BPI Pamana Savings Account (US Dollar), For more information about the FREE life insurance of BPI Pamana Savings Account you may check here. What Is The Required Deposit, and Interest Rate of BPI Pamana? There are different variants of BPI Pamana, the table below shall give you an idea what variat should be best for you. For OFWs you can opt for the Pamana Padala. For BPI : Pamana Savings is also available in BPI Family Savings the details are as follows: Where Can I open Pamana Savings Account With FREE Life Insurance? You can visit any BPI (Bank Of The Philippine Island) or BPI Family Savings Bank branch near you. Where Can I open Pamana Savings Account With FREE Life Insurance? You can visit any BPI (Bank Of The Philippine Island) or BPI Family Savings Bank branch near you. Upon enrollment they give insurance certificate for your FREE LIFE INSURANCE. bank, Free, Free Insurance, Life Insurance Philippines, BDO Kabayan Bank Account With Free Life Insurance, BPI PAmana Account With Free Life Insurance

 Life insurance is pricey, in fact there are only few Filipinos who care to secure themselves with life insurance.
But do you know that there are some banks in the Philippines that offers FREE life insurance when you choose to open an account with them?
Life insurance is pricey, in fact there are only few Filipinos who care to secure themselves with life insurance. But do you know that there are some banks in the Philippines that offers FREE life insurance when you choose to open an account with them?

If you will ask me, I prefer not to invest money in banks, because of very low interest rate. Savings account usually give around 0.5% interest while time deposit has around 1%  interest depending on the term and amount of deposit.

 I did not really gave so much time as to the kinds of savings account or deposit accounts offered by different banks. But, while checking the banks in Philippines, we found out that there are savings account that actually includes life insurance coverage. And they don't charge you for anything. Here are some options you might want to check out. So that while your money is at the bank, you could get some form of insurance in case something happens to you.
If you will ask me, I prefer not to invest money in banks, because of very low interest rate. Savings account usually give around 0.5% interest while time deposit has around 1% interest depending on the term and amount of deposit. I did not really gave so much time as to the kinds of savings account or deposit accounts offered by different banks. But, while checking the banks in Philippines, we found out that there are savings account that actually includes life insurance coverage. And they don't charge you for anything. Here are some options you might want to check out. So that while your money is at the bank, you could get some form of insurance in case something happens to you.
BDO Kabayan Account Offers FREE LIFE INSURANCE. 
KABAYAN SAVINGS FREE LIFE AND ACCIDENT INSURANCE
MECHANICS

1. Ang remitter na 18 to 65 years old at kasalukuyang nagtatrabaho ay maaaring magkaroon ng Insurance sa pamamagitan ng BDO Kabayan Savings Account.

2. Maaari mong i-enroll ang BDO Kabayan Savings Account sa Free Life and Accident Insurance kung ang account ay pagmamay-ari ng remitter, o ng kanyang asawa, anak, magulang o kapatid.

3. Ang bawat enrolled BDO Kabayan Savings Account ay kailangang ma-meet ang mga sumusunod sa nakalipas na 12 buwan:

            a) May anim (6) o higit pang remittance transactions

            b) May Average Daily Balance (ADB) na at least PHP 25,000.

            Madaling maaabot ito kung nag-iipon sa BDO Kabayan Savings Account. May insurance coverage na ang remitter sa bawat buwan na ma-meet ang requirements.

4. Ang insured amount ay 50% ng ADB at 50% ng total remittances sa nakalipas na 12 buwan ngunit hindi hihigit sa PHP 1 million* bawat remitter.

*Maximum benefit amount of PHP 1MM for natural death at PHP 2MM para sa accidental death.


The Free Life and Accident Insurance is underwritten by Generali Pilipinas Life Assurance Company, Inc. / Generali Philippines. It is not a bank deposit or obligation of, or guaranteed by BDO Unibank, Inc. (BDO) or the Philippine Deposit Insurance Corporation. BDO is not in the business of offering or issuing insurance and nothing in this form shall be interpreted as to acknowledge that BDO engages in the insurance business.


The Free Life and Accident Insurance is given in the Philippines.

Free Life and Accident Insurance

The BDO Kabayan Account gives FREE life insurance to the OFW or dependents.  

What is the amount of life insurance?

The insured amount is 50% of average daily balance (ADB) and 50% of total remittances in the past 12 months but not exceeding Php 1 million per remitter. 

*Maximum benefit amount of PHP 1MM for natural death at PHP 2MM for accidental death.


The Free Life and Accident Insurance is underwritten by Generali Pilipinas Life Assurance Company, Inc. / Generali Philippines. It is not a bank deposit or obligation of, or guaranteed by BDO Unibank, Inc. (BDO) or the Philippine Deposit Insurance Corporation. BDO is not in the business of offering or issuing insurance and nothing in this form shall be 
interpreted as to acknowledge that BDO engages in the insurance business.


Here are the other features of the account:
FEATURES
  1. Initial deposit requirement - Php 50.00
  2. Minimum monthly ADB requirement - Php 0.00
  3. Minimum balance to earn interest - Php 5,000.00
  4. Interest rate - 0.500%
SERVICE FEES & CHARGES
  1. Account closure within 30 days - Php 300.00
  2. Below minimum balance - N/A
  3. Dormancy fee (no activity for 2 years) - Php 300.00
  4. Withholding tax for interest earned - 20.0%
CUSTOMER BENEFITS
  1. Offers convenience in sending or receiving remittances
  2. Passbook allows client to easily monitor transactions
  3. Insured with PDIC up to Php 500,000.00 per depositor





Am I qualified to open Kabayan Account?  
Program Mechanics:
  1. Remitters, 18-65 years old and currently employed, may qualify for Free Life and Accident Insurance through BDO Kabayan Savings Account.
  2. Enroll your BDO Kabayan Savings Account in Free Life and Accident Insurance if the account is under the name of the remitter or the remitter's spouse, child, parent or sibling.
  3. Each enrolled BDO Kabayan Savings Account must meet the following requirements in the last 12 months:
             a. At least six (6) remittance transactions

             b. Average Daily Balance (ADB) of at least        PHP25,000 (maintained in your account), which is easy to maintain when you save through your BDO Kabayan Savings  Account

  1. The enrolled remitter is covered by insurance for every month above requirements are met.

  2. The insured amount is 50% of ADB plus 50% of total remittances in the last 12 months not exceeding PHP1M per enrolled remitter.

How Do I enroll For BDO Kabayan Savings Account? 
To qualify remitters of BDO Kabayan Savings Account, enroll the account in Free Life and Accident Insurance now! 

 The enrollment is to be done online, however you may ask the nearest BDO branch to assist you on this. It is advised to bring ID or passport if you will be opening an account. 

  1. Free Life and Accident Insurance The BDO Kabayan Account gives FREE life insurance to the OFW or dependents. What is the amount of life insurance? The insured amount is 50% of average daily balance (ADB) and 50% of total remittances in the past 12 months but not exceeding Php 1 million per remitter. *Maximum benefit amount of PHP 1MM for natural death at PHP 2MM for accidental death. The Free Life and Accident Insurance is underwritten by Generali Pilipinas Life Assurance Company, Inc. / Generali Philippines. It is not a bank deposit or obligation of, or guaranteed by BDO Unibank, Inc. (BDO) or the Philippine Deposit Insurance Corporation. BDO is not in the business of offering or issuing insurance and nothing in this form shall be interpreted as to acknowledge that BDO engages in the insurance business. Am I qualified to open Kabayan Account? Program Mechanics: Remitters, 18-65 years old and currently employed, may qualify for Free Life and Accident Insurance through BDO Kabayan Savings Account. Enroll your BDO Kabayan Savings Account in Free Life and Accident Insurance if the account is under the name of the remitter or the remitter's spouse, child, parent or sibling. Each enrolled BDO Kabayan Savings Account must meet the following requirements in the last 12 months: a. At least six (6) remittance transactions b. Average Daily Balance (ADB) of at least PHP25,000 (maintained in your account), which is easy to maintain when you save through your BDO Kabayan Savings Account The enrolled remitter is covered by insurance for every month above requirements are met. The insured amount is 50% of ADB plus 50% of total remittances in the last 12 months not exceeding PHP1M per enrolled remitter. How Do I enroll For BDO Kabayan Savings Account? To qualify remitters of BDO Kabayan Savings Account, enroll the account in Free Life and Accident Insurance now!




Another bank in the Philippines that offers FREE life insurance is BPI's Pamana Savings Account the Pamana Savings Account is also available in BPI Family Savings Bank.




Am I Qualified To Open Pamana Savings Account?

ELIGIBLE PARTICIPANTS. A BPI Pamana Savings Accountholder shall be eligible for a free life insurance coverage, provided the accountholder is at least 15 years old, but not more than 60 years old at the time of account opening, and his/her place of work and/or residence is not in the list of the areas or places restricted by the Company per the relevant Master Policy.

What Is The Amount Of Life Insurance?


AMOUNT OF INSURANCE. The Amount of Insurance shall be equal to the lower of:



a)(ADB x3) three times the account’s average Month-to-Date Average Daily Balance (MTD-ADB) of three calendar

months immediately preceding the death of Insured Individual; or



b)P 2,000,000 for BPI Pamana Savings Account (Peso) or US$ 40,000 for BPI Pamana Savings Account

(US Dollar),


For more information about the FREE life insurance of BPI Pamana Savings Account you may check here.

What Is The Required Deposit, and Interest Rate of BPI Pamana?

There are different variants of BPI Pamana, the table below shall give you an idea what variat should be best for you. For OFWs you can opt for the Pamana Padala.

 For BPI :
Another bank in the Philippines that offers FREE life insurance is BPI's Pamana Savings Account the Pamana Savings Account is also available in BPI Family Savings Bank. Am I Qualified To Open Pamana Savings Account? ELIGIBLE PARTICIPANTS. A BPI Pamana Savings Accountholder shall be eligible for a free life insurance coverage, provided the accountholder is at least 15 years old, but not more than 60 years old at the time of account opening, and his/her place of work and/or residence is not in the list of the areas or places restricted by the Company per the relevant Master Policy. What Is The Amount Of Life Insurance? AMOUNT OF INSURANCE. The Amount of Insurance shall be equal to the lower of: a)(ADB x3) three times the account’s average Month-to-Date Average Daily Balance (MTD-ADB) of three calendar months immediately preceding the death of Insured Individual; or b)P 2,000,000 for BPI Pamana Savings Account (Peso) or US$ 40,000 for BPI Pamana Savings Account (US Dollar), For more information about the FREE life insurance of BPI Pamana Savings Account you may check here. What Is The Required Deposit, and Interest Rate of BPI Pamana? There are different variants of BPI Pamana, the table below shall give you an idea what variat should be best for you. For OFWs you can opt for the Pamana Padala. For BPI :

Pamana Savings is also available in BPI Family Savings the details are as follows:

Where Can I open Pamana Savings Account With FREE Life Insurance? You can visit any BPI (Bank Of The Philippine Island) or BPI Family Savings Bank branch near you.


Where Can I open Pamana Savings Account With FREE Life Insurance?

BPI Family Savings Bank branch near you.


They will ask you for an ID or passport.

 Upon enrollment they give insurance certificate for your FREE LIFE INSURANCE. 



©2016 THOUGHTSKOTO
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