Life and non life investment: Online stock market trading.

Life and non life investment: Online stock market trading.: Last october 1,2014 i started investing on the stock market through bpi trade. I set up my own account. Actually I begun investing in the st...

Online stock market trading.

Last october 2,2014 i started investing on the stock market through bpi trade. I set up my own account. Actually I begun investing in the stock market since 2002 we have a broker until now via FMIc of metrobank. But its under my moms name now i have my own stocks to trade. Bpi trad offers easy opening and does not impose minimum amount to start trading stocks. For three straightdays i was able to buy 7 different stocks but of course my holding was not that big. I started with 6k as my initial investment. Hopefully i pick the right stocks. When investing in the stock market try to determine your objectives know the companies you intend to trade. At the sametime try to deversify your holding to different sectors. Remember that there is the normal trade and odd lot trade. Normal trade are number of shares that are tradable in the minimum price lets say a stock is price at 50 php per share the minimum shares to be trade is 10 then if you trade on the odd lot this are share that can be trade below the minimum shares recquired let say 100 is the minimum you can buy 99 shares at the same time they are a bit higher than the normal price. The down side of using bpi trade is that most of the time there site is down or your deposit are not yet credited when this happen you have to fax a copy pf deposit slip or email the comfirmation if you transfer via online banking. Deposit made for you bpi trade will be reflected the following day.

Life of a financial advisor

Being a financial advisor of a life insurance has its high and low. A rewarding career that awaits advisor who excel on the field of selling insurance. Like me I am a licenses financial advisor of one of the largest insurance company in the philippines. 

As an advisor your mission is to help your  client achieve financial security. Educating  the client the importance of insurance, how does it work, what can it do etc. With so many products coming out more people are now aware and are entice in buying life insurance especially now that insurance acts as invesetment in one. 

As a financial advisor you need to have a license both ordinary life and variable unit link. To be taken at the insurance commision, you have to pass the exam in order for you to obtain your license and then you have to undergo series of trainings for you to be equip with extensive knowledge about the product, how to sell the product and how to present the product to name a few.

Yearly you have to renew your license both in the company and in the insurance commision, insurance commision impose a minimum quota while your company can impose larger amount of quota. There is no basic pay or allowance given by the company purely commision basis. If you can achieve your quota within the given time you get delisted and wont be able to sell and use your license.

Be ready to experience rejection and be ready to experience all sorts of  frustrations and anxiety. Just like i did during my tenure you need to be strong as a rock but have a heart for the need of your client.

I belong to an agency who were use to be from ayala life plans. Most of them were good mentors a legend in there field having started there career as far as 1972. Headead by our agency manager we treat one another as a family helping one another. Especially now that 90% of my co advisors are in there senior age. I have so many lolo and lola. Even do we are pressured to deliver on our sales target we still find time to laugh and enjoy the company of everyone. 

HEALTH INVEST PLAN

You cant stop growing old. You cant tell when youll get sick. But you can prepare for it.

Finally there's Health Invest - a plan that takes care of you in sickness and in health.

While 97% of Filipinos prioritize safeguarding their and their family's health over other concerns in life, only 16% say that they are financially prepared in the face of serious health conditions. Those who are not prepared admit that they will be financially burdened and will resort to loaning money or selling property and assets to pay for their medical expenses.

When health concern arises, will you be financially prepared?

HEALTH INVEST

Is a unit linked health and life insurance plan that provides financial protection from serious sickness, accident or loss of life. Plus, unlike other plans and HMOs, it lets you build a fund for your future health care needs. It can be payable in as short as 3,5,7 or 10 years.

Lump-sum Cash benefits for Serious Sickness and Accident

Should any critical health condition or accident arise, you will recieve a lump sum cash benefit to help finance your recovery or pay for your Health Fund or Life Insurance Coverage.

And once diagnosed with critical condition, your Health Invest plan will continue without having to pay for future premiums.

A Growth Health Fund

Health Invest lets you build a Health Fund that accumulates over time depending on the performance of your chosen investment fund. This can be used to pay for medical and health maintenance needs incured beyond your working years or in excess of your HMO coverage or for any other purpose.

Boost your Health Fund through top-up premium payment anytime you have extra cash.

Life Insurance Protection

Your loved ones will get the plan's Life Insurance Coverage or your Health Fund which ever is higher.

Life Insurance Coverage will be in full regardless if you have already recieve a lump-sum benefit for a serious sickness or accident coverage.

Short Payment Terms

No need to worry about paying for a long time. Pay for it in as short as 3,5,7 or 10 years.

The amount of premium you pay depends on your age,desired coverage and pay period.

*Critical illness coverage until age 75.

* Waiver of premium for critical illness before age 75.

For inquiries you my reach me at my email at klarc27@yahoo.com