Protecting financial health

Help you to Better Understand:Where you are nowWhere you want to be; andHow you are going to get there.

Pru life Uks Code of Practice

YOUR DECISIONS

“I will not make decisions for You-I will put you in an informed position to make informed choices”.

Confidential Information is highly exercised

PERSONAL SERVICE

“I may need to schedule further meetings to ensure your plans take account of your changing circumstances.”

Your Financial Situation

Income

Food

Home Rental / Home mortgage

Clothing

Car /TransportationExpenses

Education

Vacation / Travel / HobbiesLeisure / Vices

Basic Salary/GI – Basic Expenses = Net Disposable Income

Savings

Food


Clothing


Education

Pru Life UK premium


Basic financial expenses

Which of these Basic Expenses

Accumulate Savings?

No

No

No

No

No

No

YES

Your Financial Situation

People usually have three types of needs: medical income replacement and retirement or wealth accumulation

If you do not get sick or disabled, you are very fortunate because you will ultimately be able to reach the highest level, which is accumulating money for yourself.

Medical Needs

Income Replacement

Retirement/

Wealth Accumulation

Three Basic Needs

Did you Know?

Critical illness and accident do not choose who, when or where to strike.

Diseases of the Heart by

Age Group

65 & above (32%)

50 - 64 (34%)

15 - 49 (32%)

Hypertension by Age Group

15 - 49 (34%)65 & above (26%)

50 - 64 (40%)Source: Health Statistics, Department of Health 2002

Critical Illness is the #1 killer

Accidents alone caused 32,355 deaths in 2000 with a death rate of 42.4/100,000 population.

Source: AN ASSESSMENT OF ACCIDENT AND INJURY SITUATION IN THE PHILIPPINES by ELIZABETH R. MATIBAG, MD, MPH

Health Policy Development and Planning Bureau

Research Forum,June 23,2005 Pan Pacific Hotel Manila

http://www.car-accidents.com/pages/accident_story/3-9-03.html

With the rising cost of medicines and hospitalization, getting sick can do more than just rob you of your health. It takes away precious time from your family and depletes hard-earned money for your family’s future.

At least 50% of those who get sick get hospitalized

Barely 3% of one’s income is allotted for medical care, but when a person is hospitalized, the

average hospital bills equates to 3x your monthly income

Medical benefits provided by government pays for

only 30% of your hospital expenses

IncomeFood


Clothing


Education

Savings


Hospital bills / Medicines??

Medical careBorrow

In case you become sick, who will pay your medical bills?

If you are unable to work for a long period due to hospital confinement, do you think your employer will continue to pay you a salary when all your sick leaves have been exhausted?

If this happens, where will you get the income to provide for your family?

Did you Know?

What are your Priorities Today?

ProtectionDeathDisabilityCritical Illness

Funds AccumulationEducationRetirementSavings

Medical Needs

Income Replacement

Retirement/

Wealth Accumulation


Is your family dependent on you?If your income was to stop, what would you and your family do?

If you were diagnosed with critical illness, would you have half a million pesos in cash today?

“I can help you ensure that you protect yourself and your family from financial hardship, should something unforeseen happens.”

Did you Know?

“A good Education is one of the most valuable assets you can give to your child”

46% of total education expenses come from household Funds

The Level & quality of education directly impacts on an individual’s chances of employment

Only 14% of Filipino children graduate from College

In the past 10 years, school fees have increased by 10% per year.


“A good Education is one of the most valuable assets you can give to your child”

Ask yourself

Where would you like your children to receive their Education?

Do you know the cost associated with a Quality Education?

Will you be able to Fund all Future Education Costs from your income?

What are your Priorities Today?What are your Priorities Today?

“Are you prepared for the longest holiday of your Life?”

Did you know?8 out 10 retirees will be dependent on their children

for financial support23% of Filipinos are still working after retirementIn 1970, life expectancy was 75 years; today, it is 71


“Are you prepared for the longest holiday of your Life?”

Ask yourself

When would you like to retire?What kind of lifestyle do you like when

you finish working?What would you give up if you can’t afford

your ideal retirement?


Did you know?

The average cost of a traditional wedding in the Philippines is P 250,000.

6 out of 10 Filipinos DO NOT saved money from their salary.

A “medium price” house costs approx P3,000,000.The average monthly payment for a car is P14,000.


ProtectionDeathDisabilityCritical Illness

Funds AccumulationEducationRetirementSavings

Have your priorities changed?

Are you Insured?What does statistics Say?

Classification Ave. monthly Income Percent

Rich

Php235,155.00 0.10%

Middle Class

Php36,964.00 19.10%

Low-Income Families

Php9,061.00 80.80%100.0%

http://opinion.inquirer.net/inquireropinion/editorial/view/20100618-276354/Rich-and-poor

Are you Insured?What does statistics Say?

How Can I Help You?

The Pru Life UK Services:Help you understand what your

requirements are;Provide recommendations to address

your needs; andHelp you understand how your priorities

can be achieved.

Pru Life UK

SECURING YOUR FINANCIAL FUTURE

Contact:

Ruel T. Rendal Email:[email protected]

I. For personal appointment

II. For those interested to be a PRU life Agent

GOD BLESS YOUR FAMILY!

Protecting financial health

Economy & Finance

getthe income

ones income

quality education

good education

total education expenses

future education costs

net disposable income

medical home mortgage