Zorayda Rosanes | Associate Financial Planner | Certified Financial Educator and an Executive Vice Chair of IMG
Email Address: dadarosanes1@gmail.com
Mobile Number: 09173110389
OFFICE ADDRESS: Manila Bankers Prosperity Tower
110 Legazpi Street, Legazpi Village, Makati, 1229 Kalakhang Maynila | 4th floor, Room 902
I graduated with a degree in Medicine from De La Salle Medical and Health Sciences Institute or DLSMHSI.
After medical internship at DLS-Medical Center, I managed our family businesses in Alfonso, Cavite.
Majority of which are in line of Transportation such as bus units and a gasoline station.
It is there where I was able to hone my management skills as an entrepreneur.
However, in the process, I could not forget the plight of many people
who are seeking medical attention but do not have enough money to sustain them.
It was then that I was able to attend a financial literacy seminar sponsored by IMG.
This gave me an idea on how to help Filipinos plan for their healthcare and secure
their future. And the rest is history.
Currently, I am an Associate Financial Planner, Certified Financial Educator and an Executive Vice Chair of IMG.
We will keep your details private.
Our FAMILY has to Live...
....when we die.
Do You LOVE Your FAMILY?
Show Your LOVE by PROTECTING Yourself with Adequate Life Insurance in case You Die Too Soon.
INTRODUCING
M.O.S.T. 18 3.0
Multiple Option Super Term 18 3.0 of Manila Bankers Life is the most affordable 18-year term life insurance product with PDF or Premium Deposit Fund (investment). M.O.S.T. 18 allows a family to have MAXIMUM LIFE INSURANCE COVERAGE at the cheapest cost.
How Affordable is M.O.S.T. 18?
For a 30-year old, the annual premium would only be P7,188 for a P1 million coverage.
Yes, that's right. You only have to pay P7,188 per year (not per month, not per quarter) and you’re already insured for P1 million.
It has an optional investment component called PDF.
What makes MBLife MOST 18 unique is that you can choose to pay more than your annual premium. And the excess cash that you pay will be invested to the PDF or Premium Deposit Fund to fund any of your financial goals (College Education, Retirement, Travel, etc.).
PDF is like a Mutual Fund.
It can earn more than a savings account, and it is very liquid. You can put more money there anytime you want. And you can also withdraw your money from it any time you need it....with ZERO CHARGES!
For example, if you paid P15,000 instead of P7,188 for a particular year, then the excess P7,812 will be invested to your PDF.
The following year, because you have P7,812 in your PDF, you may or may not pay your premium since the premium may be deducted from your PDF.
Here's a video explanation on How M.O.S.T. 18 3.0 Works
List of Features and Benefits
Term Insurance
Provides you the maximum coverage for 18 years with the lowest cost
Higher Fund Value
PDF allows higher growth of return. It has a ZERO-Negative feature. Even if the stock market drops in a particular year, the PDF will still give you a positive return for the year
Accidental Death Benefit Rider (ADB)
If the insured dies due to a covered accident, the beneficiary will receive double (x 2) of the basic death benefit.
e.g. 2M x 2 = 4M
Payor's Death & Disability Benefit Rider (PDDB)
If the insured is a minor (below 18yo) and the payor passes away or becomes totally and permanently disabled, the remaining balance will be waived.
Terminal Illness Rider (Ti)
If insured is diagnosed to have an illness and life expectancy of 12 months or less, he/she will receive 50% up to a maximum of 500K from the death benefit. The remaining benefit will be given to the beneficiary upon death of the insured.
Critical Illness Rider (CI)
Provides additional 30% of the basic death benefit to the insured in the event that he/she is diagnosed with any of the 30 covered critical illnesses.
e.g. 2M x 30% = 600K CI benefit
Total and Permanent Disability Rider*
If the insured suffers from a disability caused by a bodily injury or qualified illness that continues uninterruptedly for at least 6 months, he/she will receive an amount equivalent to the basic death benefit.
*applicable to MOST GRP
Premium Flexibility
Premium may be settled yearly for 18 years, in 5 years, or even one-time. Any contribution in excess of the premium will be invested in PDF.
Issue Age is 5 yo to 60 yo
Insure yourself and your whole family.
Address Various Financial Needs
The PDF can be used to fund your Retirement, Pension, Kid's Education, Travel, etc.
Convertible to Permanent Insurance
You have an option to a permanent policy.
Low Chance of Lapsation
Premiums may be settled from your PDF / investment earnings.
Do you have any questions? Feel free to contact me.
Zorayda Rosanes | Associate Financial Planner | Certified Financial Educator and an Executive Vice Chair of IMG
Email Address: dadarosanes1@gmail.com
Mobile Number: 09173110389
How Do I Apply?
1.
Fill-Up and Sign the Application
2.
Upload a government-issued ID
3.
Pay the premium + P500 one-time policy fee + initial PDF (minimum of 6K)
4.
Underwriting Approval
I Want to Create a M.O.S.T. 18 Proposal (Philippine based)
I Want to Create a M.O.S.T. 18 Proposal (OFW/International IMG coded)
TO AVAIL MOST GRP, YOU NEED BECOME AN IMG MEMBER
DO YOU WANT A
FINANCIAL LITERACY eBOOK?
"Friend, this book is your ticket to upgrading your financial life.
Read it. Devour it.
And share it with people who need a financial revolution in their life."
- Bro. BO SANCHEZ
Other ways to get in touch:
ADDRESS
OFFICE ADDRESS: Manila Bankers Prosperity Tower
110 Legazpi Street, Legazpi Village, Makati, 1229 Kalakhang Maynila | 4th floor, Room 902
Zorayda Rosanes | Associate Financial Planner | Certified Financial Educator and an Executive Vice Chair of IMG
PHONE/ VIBER/ WHATSAPP
Mobile Number: 09173110389
dadarosanes1@gmail.com