In today’s generation, Insurance Companies have developed a lot of insurance policies that helps every individual with the optimal protection that they need. And with the VUL products that has a combined setup of Investments and Insurance at one policy. You will be having your Living Benefits at the same time a Death Benefit coverage into one.

Filipinos are somehow having a bad thoughts if they hear Insurance. But little that they know, Insurance was not the one that got bankrupt but it was the Pre-Need companies back in the late 90’s and early 2000’s.

Each international Insurance Companies in the Philippines are considered very solid companies because of the Legal Reserve requirements of the Insurance Commission in the Philippines that is at a rate of Php 1.5B. Wherein Pre-Need companies are just having their Trust Funds that are basically being managed by the Pre-Need company itself. Somehow Filipinos are now well educated about the difference of Insurance to Pre-Need.

VULs are somehow a new trend of having an Insurance Coverage with Investment at the same time. A high percentage of their yearly premium goes to investment that are being fund managed by the Bank Partner’s fund managers, and the other lower percentage portion of the premium goes to the insurance coverage that are required based on their needs.

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But VULs are indeed a form of investment. But it is an investment for the families who will be left behind from the untimely passing of the Insured. But once you have setup an investment regularly in you VUL Policy for 10 years and up, then the percentage that was put into the investment will grow on an annual basis of 8%-15% then surely you may expect a very huge amount of money that you may use in the future.