Dis 30, 2012

What is Bright Future?


A Closer Look at Philam Life's Bright Future Invest







Every parent deams of a bright future for his child – to get the best education, to exceed what they themselves achieved, and to have a secure future. What better way to make this dream come true than to start with the right plan?



http://www.youtube.com/watch?v=lHuAbIv7xAU
http://www.philamlife.com/en/individuals/products-and-services/education/

Q: What is Bright Future Invest ?
A: Bright Future Invest is a unit-linked product that offers high potential returns to fund your child's college education and guaranteed insurance protection.

Q: What is the difference between Bright Future Invest and Bright Future Plus?
A: Bright Future Plus offers guaranteed education benefits while Bright Future Invest offers non-guaranteed yet potentially higher education benefits so you can keep up with rising costs of education.

Q: What riders are attachable to the plan?
A: A&H is a conditionally required rider. Other riders include: WP/WP+ and Mediguard. It is recommended to always attach WP to ensure that the plan will still be in-force by the time the child is in college in case of disability.

Q: Is it mandatory for me to withdraw from my Account Value when my child is already 17 years old?
A: No. You have the flexibility when you want to withdraw from your Account Value in either lump sum or installment..

What is Family Secure?


A Closer Look at Philam Life's Family Secure 





http://www.youtube.com/watch?v=4U7-GTWyj4k
http://www.philamlife.com/en/individuals/products-and-services/protection/unit-linked-protection/



Q: What is Family Secure?
A: Family Secure is a regular-pay unit-linked plan wherein the life insurance and savings benefits depend on the performance of your choice of investment funds. It provides high life insurance coverage which can be converted into a retirement fund as you grow older.


Q: How long will I pay for my Family Secure plan?
A: Family Secure is a regular-pay plan, which means that the payment duration is as long as your plan’s coverage duration. You need to set aside premium payments up to age 99 if you want to be covered up to age 100. However, Family Secure can allow you to pay for a shorter period. Your financial planner can show you how to do this.


Q: Can I enjoy additional health, accident and disability benefits?
A: Yes, you can enjoy health, accident and disability benefits by adding riders to your Family Secure plan. You can be excused from paying succeeding Family Secure premiums in case of total and permanent disability through the Waiver of Premium or Waiver of Premium Plus rider. The Accident and Health rider provides additional cash benefits for accidental death or disability. The Accidental Death Benefit rider provides additional life insurance coverage for loss of life due to accident. You will be able to enjoy these benefits upon payment of additional premium.


Q: Where will my premium payments be invested?
A: Your premium payments will be invested in mutual funds professionally managed by Philam Asset Management Inc. (PAMI), a multi-awarded asset management company that is able to deliver impressive fund performance year after year.

A range of funds* is provided to match your financial goals and risk appetite:


PAMI Philam Bond Fund is designed to provide conservative investors with returns and inflow from investments in peso fixed income instruments that are expected to generate higher earnings compared to traditional savings accounts and time deposits.
PAMI Philam Fund is designed to provide moderate investors with long-term capital growth through a mix of investments in equity securities and a portfolio of peso fixed income securities.
PAMI Philam Strategic Growth Fund is designed to provide aggressive investors with long-term capital growth through investments in equity securities.
*The funds are invested in PAMI’s Philam Bond Fund Inc. (PBFI), Philam Fund Inc. (PFI), and Philam Strategic Growth Fund Inc. (PSGF).


Q: How will I know how much my Retirement Fund is?
A: Philam Life will send you a Statement of Account at least on an annual basis. Aside from this, you can check your fund’s Net Asset Value Per Unit (NAVPU) anytime through our Fund Performance Section or through our VUL Customer Hotline (02) 528-2028.

HOW TO MOTIVATE YOURSELF?!



 "Motivation is what drives us to get THERE. "
Everything you do is motivated by something.  You set a goal for yourself, whether big or small, and then go for it. It can be considered a driving force; a psychological drive that compels or reinforces an action toward a desired goal.
What is the best way to get started?
Identify:
  • Something that you want and
  • Something that you can do about it with your means at hand, i.e. taking an action that is within your level of acceptable loss. (The the cost is minimal, if the action doesn’t work out.)
Put that way, there are only four logical explanations for why you are not moving toward your goal:
1.Habit.
2.You don’t have the means at hand
3.The perceived cost is too high. Or
4. You are lying to yourself about what you want.
The fourth is rarely the case.  Most people who say they want to get a new job, or meet someone or lose weight really do want to find new employment, find that significant other or be thinner. As for habit, in this case, that’s “simply” a matter of getting used to taking action. (More on that in a second.)
So this means is if you aren’t taking action toward what you want, you either perceive taking action as either being too costly, or too risky.
What’s the solution?  
It seems simple, doesn’t it? Reduce the cost and risk to acceptable levels, so that you could get underway.
Now, if it were as easy as all that, you would have done it.  So, you need some help.
Here’s one easy solution. Talk to a friend about the challenge you face. (“I really want to find a new job, but I just can’t seem to get going.”)
Together, come up with a list of possibilities, being as specific as you can. In the case of the new job, you would identify what you want to do; whether it makes sense to do it on your own—i.e. start a company—or work for someone else, etc.  
Figuring all this out could take a couple of conversations, and that’s fine. But don’t wait until the end of all your talks to get moving. Remember, we want to make sure that habit, that is you are in the habit of not moving toward what you want, is NOT the problem.
So, at the end of the first conversation, the one where you decided your next job will be with another company, you immediately start compiling potential firms to contact and maybe even go so far as to talk to people who have the sort of job you want.
At the next meeting, you and your friend would try to come with a complete list of places that might hire you, as well as who to contact at those firms.
Then you’d set a deadline—say a week—when you will report back to your friend. At that meeting you say what you did to follow up, or explain why you didn’t do anything.
Isn’t setting this deadline the same as lighting a fire under yourself? Yes…but also no. Yes, in the sense that you have drawn a proverbial line in the proverbial sand.  But no, because you are acknowledging up front that you may not take action.
Let’s suppose you don’t. At the next meeting with your friend, you would explain why.  Maybe it was because you were sick and so you give yourself a pass. But it could be you didn’t take action because you found the idea of cold calling companies too intimidating.
In that case, you and your friend would try to break down the next step into even smaller parts. (Is there someone you know, who can get to someone they know at the company; is it possible to find out if they take online applications seriously. If that is the case, you wouldn’t have to cold call.)
And so the process would go until you reduced taking the next step to a point where it is doable.
                The Universe manifest purely what you believe.  Your motivations for the things you do must be based on the truth of what you believe, not on the fear of not having what you want.  They must be based on your free release and trust that the Universe is always faithful to provide you with exactly what you need and desire.  Bargaining your way into a manifestation only sets you up for grief and pain.
I will end this with a quote from my favorite literary piece by William Ernest Henry  "Invictus";
"I am the master of my fate:

I am the captain of my soul. "


You can do it! Take one step closer to your dreams. Let motivation be your driving force. Act now.