I didn’t have a passport until just recently when I was told to get one. For me, thinking about the process and the scheduling is so tedious I rather do something else. In my mind, I didn’t have a plan to go abroad anytime soon so why bother. But then, I was informed by my colleague that I was chosen as one of the representatives of the Philippines for a conference this August in Japan. That pushed me to get my passport. I will be sharing with you today the step by step process of getting a Philippine passport.   Prepare the requirements. a.        For new applicants and renewal of passport, you need to have an online appointment . Walk- in applicants will not be entertained. However, there are those who are exempted from passport appointment. The following individuals don’t need to set an online appointment and can go directly to the nearest DFA Consular Office: photo credit: DFA official Facebook page ü   Minor who ar...

I was told prior to getting hired that this job is not an easy job. Selling a life insurance is selling a promise. The old cliché “promises are made to be broken” sounds really obstinate. I told myself I’m a salesperson and very passionate in convincing others. Besides, I really wanted to know more about life insurance and be educated financially. Now, I feel what my manager told me during the interview. Talking to clients and explaining to them my proposal is not hard. The hard part is closing the sale (which is very crucial because how can you call yourself a salesperson when you can’t close a sale, right?). It’s when you tell the clients how much they will pay for the coverage that make them say, I’ll think about it or I don’t have the money right now. And I honestly understand them. Because I was like them. What made me change my mind was the realization that I didn’t have any to offer my daughter should something bad happen to me and I’d be taken out of the picture. That thought ...

Believe me when I say that Filipinos need life insurance. Why? Life insurance is a disciplined financial program that enables one to prepare for life’s uncertainties such as death, disability, sickness, or old age. PhilHeath and government/company pension is not enough to cover the loss. Here in the Philippines, typical Filipinos struggle with meeting their daily expenses. Sometimes, an ordinary worker’s wage is not enough to shelter financial needs. One would prioritize the basics such as food, water, electricity. I guess this is one of the challenges many Insurance agents face. Getting an insurance is never a priority. Is it really a priority? I would be lying if I say it’s not. But I cannot just force someone to get one without helping him understand its totality. Insurance is a life-saver. Allow me to expound on this. You may be asking how come a death benefit be a life-saver. While it cannot bring back the life of the insured, it can help sustain the lives of those who will be l...

"Basin pareho na sa CAP, malugi na ug di mo makabayad sa amoa." There are differences between a life insurance and a pre-need insurance. I, was also a recipient of CAP but sad to say I got nothing out of the hard-earned money of my parents. Then on, I did not believe in insurance. Until I resigned last year and became a SAHM. I read a lot from the internet and took online courses about financial management. I realized I need to have insurance. I contacted someone and informed him of my intention to be an insurance agent. However, an opportunity came from Sun Life Grepa and being a Bancassurance Sales Officer sounded really good. I took the 1-month training in Makati and learned a lot about life insurance. I also passed two licensure exams by the Insurance Commission making me a registered and authorized Insurance agent. It's hitting three birds in one stone for me. I understood Life Insurance, I got employed, and I can help others as well to be educated about it. Ba...

“Take a leap of faith and begin this wondrous new year. By Believing.” -Sarah Ban Breathnach 2018 is over and a few hours ago, we welcomed 2019 with full of laughter, love, fireworks, and food. Oh, how time flies. I hope you had a wonderful experience last year. If not, at least it has ended and let’s get excited to better days ahead. Let’s be thrilled of what 2019 gets to offer. Here are ten things you can do to start the year right.   #1 Forgive One of the best gifts you can give to yourself is to forgive. Forgive the people that hurt you. It is through forgiveness that you can learn to accept things the way they are and stop dwelling on ‘what ifs’. It’s that time of the year to forgive yourself also. Remember, you are precious and deserve many chances in life. #2 Let go of the pain Let go and let God. There are things that we have to set aside. Let’s not dwell too much on bad memories and dark past. It’s time to move forward. The best time to start f...