Summer!
01-11-2006, 03:36 PM
Good day sa ating lahat…Meron ba tayong member na naghuhulog ng life insurance pero sa Pinas ang bayad, meaning Phil-based life insurance? I tried browsing the net, pero medyo hassle yung ibang nakita ko sa states pa kasi ang bayad. Pero mag-aapply ako habang nandito sa japan? Medyo ASAP po, pls…
docomo
01-11-2006, 04:33 PM
Good day sa ating lahat…Meron ba tayong member na naghuhulog ng life insurance pero sa Pinas ang bayad, meaning Phil-based life insurance? I tried browsing the net, pero medyo hassle yung ibang nakita ko sa states pa kasi ang bayad. Pero mag-aapply ako habang nandito sa japan? Medyo ASAP po, pls…
… ako meron summer … ( pwede kaya i~post dito yung details?)
Dax
01-11-2006, 04:41 PM
Interesado din ako tungkol sa life insurance.
May mga umiikot dito sa office na taga N. Seimei at M. Seimei
pero ang mahal naman di ko kaya. 
Mas mura nga siguro kung Pinas-based.
docomo san pwede naman siguro i-post dito
basta hindi kasama ang pangalan mo hehe. 
striver
01-11-2006, 05:26 PM
hi there! about life insurance, meron akong info about that. hope it will help you.
just last year of october, i just finished my payment for my life insurance. sa ayala life insurance ko kumuha sa atin kasi medyo malaki rin ang company na AYALA sa atin di ba kaya di ko kabado in case mang may mangyari. the plan i get is for 5 years payment only. i forgot the name of the plan. the amount is 1 M po. bali iyong program is to be paid for 5 years only and i make my payment quarterly po. almost 10 thousand po binabayaran ko non. bali ang payment ko po eh pinapadala ko thru BPI po. the good thing about this is, you can get the amount when you reach 60 years of age, or anything na may mangyari sa iyo like disability po.
you can access to ayala home page, then contact mo iyong number nila. look for MR. RENATO DURAN. head po sya don. sya iyong naging agent ko non. sabihin mo na lang nickname ko na JUN po, which is working in Japan. kilala kasi ko non.
by the way, kaya ko naisipan kumuha ng insurance before going here to work is because naholdap ko sa bus from tarlac going to manila. sa may highway. natutukan ba naman ng baril eh. sayang kung mamatay ko na wala man lang maiiwan iyong family ko. he he he.
hope this can help po. PM me if you have question po.
striver
01-11-2006, 05:35 PM
by the way, meron pa palang contact number sa phone ko. PM me kung sin man and interesado. thankx.
Dax
01-11-2006, 05:46 PM
the good thing about this is, you can get the amount when you reach 60 years of age, or anything na may mangyari sa iyo like disability po.
Thanks for the info striver. Down yata ang website ng Ayala (http://www.ayalalife.com.ph/) check ko ulit later. Pagaaralan din namin ni misis ang ibang companies.
aprilluck
01-11-2006, 05:49 PM
hi there! about life insurance, meron akong info about that. hope it will help you.
just last year of october, i just finished my payment for my life insurance. sa ayala life insurance ko kumuha sa atin kasi medyo malaki rin ang company na AYALA sa atin di ba kaya di ko kabado in case mang may mangyari. the plan i get is for 5 years payment only. i forgot the name of the plan. the amount is 1 M po. bali iyong program is to be paid for 5 years only and i make my payment quarterly po. almost 10 thousand po binabayaran ko non. bali ang payment ko po eh pinapadala ko thru BPI po. the good thing about this is, you can get the amount when you reach 60 years of age, or anything na may mangyari sa iyo like disability po.
.
Ganito rin po ang sa akin sa Phil-Am Life insurance naman,Pension plan ,five years to pay ,now pag natapos mo na iyung five years hintay ka ng ten years kung gusto mo i lump sum or di kaya pag reach mo ng 60 years old ka mag-umpisang tumanggap ng pension ,also kung may mangyari sa’yo cover ka pa rin ng insurance kahit pension plan ang kinuha mo.
Ang ginawa ko naman noong matapos ko iyung five years payment ,kumuha uli ng bago pension plan din uli para medyo malaki -laki rin pag dating ng panahon na kailanganin ,sa tiyaga rin ng pagbabayad ,ngayon pangatlo ko ng ang binabayaran ko,para din namang nag-iipon ka
sa banko ,iyun nga lang compolsary mong bayaran sa away at sa gusto mo di tulad ng banko na nasa sa’yo kung magkano lang ang gusto mong ideposit ,ayos lang.
P.S. gusto mo talagang magsigurado ha
striver
01-11-2006, 05:55 PM
Thanks for the info striver. Down yata ang website ng Ayala (http://www.ayalalife.com.ph/) check ko ulit later. Pagaaralan din namin ni misis ang ibang companies.
PM mo kung kailangan mo contact number. better to have one, its not for your sake but for your family. or maybe better to get some educational plan. mas better kung bata pa anak mo. just an idea.
striver
01-11-2006, 05:56 PM
Ganito rin po ang sa akin sa Phil-Am Life insurance naman,Pension plan ,five years to pay ,now pag natapos mo na iyung five years hintay ka ng ten years kung gusto mo i lump sum or di kaya pag reach mo ng 60 years old ka mag-umpisang tumanggap ng pension ,also kung may mangyari sa’yo cover ka pa rin ng insurance kahit pension plan ang kinuha mo.
Ang ginawa ko naman noong matapos ko iyung five years payment ,kumuha uli ng bago pension plan din uli para medyo malaki -laki rin pag dating ng panahon na kailanganin ,sa tiyaga rin ng pagbabayad ,ngayon pangatlo ko ng ang binabayaran ko,para din namang nag-iipon ka
sa banko ,iyun nga lang compolsary mong bayaran sa away at sa gusto mo di tulad ng banko na nasa sa’yo kung magkano lang ang gusto mong ideposit ,ayos lang.
P.S. gusto mo talagang magsigurado ha
iyong insurance ko din, anytime pwede ko rin mkuha halimbawang emergency po talaga. iyon nga ang kinganda non eh.
Dax
01-11-2006, 06:03 PM
PM mo kung kailangan mo contact number. better to have one, its not for your sake but for your family. or maybe better to get some educational plan. mas better kung bata pa anak mo. just an idea.
Wala pa naman kaming anak pero kukuha ako ng educ plan kung meron na. Medyo badtrip nga lang yung CAP, bunso namin meron nun pero nagkaproblema (http://www.abs-cbnnews.com/storypage.aspx?Story Id=26390) daw at di nabayaran lahat. We can never be sure these days, kahit supposed to be “assurance” plan, hindi rin sure. :mad:
striver
01-11-2006, 06:05 PM
i also heard that CAP before. may nagalok din sa kin nyan. di ko kumuha kasi di pa stable ang company na iyan. buti pala at di ko tinuloy noon.
Summer!
01-11-2006, 06:15 PM
Salamat sa mga nag-reply. Docomo and striver, pahingi naman ng details, kahit thru pm na lang, pls.
@docomo, puwede kaya yung sinasabi ko na dito ako mag-a-apply sa Japan, pero ang bayad sa Pinas? Phil-based yang sinasabi mo di ba?
Thank you ulit sa mga info.
Summer!
01-11-2006, 06:20 PM
by the way, kaya ko naisipan kumuha ng insurance before going here to work is because naholdap ko sa bus from tarlac going to manila. sa may highway. natutukan ba naman ng baril eh. sayang kung mamatay ko na wala man lang maiiwan iyong family ko. he he he.
striver, yang mga ganyang pangyayari ang kinakatakot ko kaya gusto kong magpa-insure, di ba, para sa pamilyang maiiwan natin?
striver
01-11-2006, 06:26 PM
kaya nga po eh. i also inquire for the insurance here before. medyo complicated kasi karamihan sa mga insurance here, kailangan daw iyong beneficiary mo eh nakatira daw dito. di pwedeng yong benificiary mo eh nasa pinas. but some insurance also here is getting down, maybe because of the population po. kaya lang iyong problem talaga is iyong benificiary mo. tingin ka rin sa ibang insurance company.
docomo
01-11-2006, 09:04 PM
docomo san pwede naman siguro i-post dito
basta hindi kasama ang pangalan mo hehe.
… di naman ako involve Dax san … pero kinabahan ako dyan sa sinabi mo
docomo
01-11-2006, 09:04 PM
Salamat sa mga nag-reply. Docomo and striver, pahingi naman ng details, kahit thru pm na lang, pls.
@docomo, puwede kaya yung sinasabi ko na dito ako mag-a-apply sa Japan, pero ang bayad sa Pinas? Phil-based yang sinasabi mo di ba?
Thank you ulit sa mga info.
email na lang kita …
Tonyang
01-11-2006, 09:59 PM
Manulife Insurance at pension plan. Mayroon din akong PhilHealth kasi OFW ako plus SSS pension at Flexifund. Lahat peso ang bayad.
www.tpmovers.org (http://www.tpmovers.org)
Summer!
01-12-2006, 02:54 PM
email na lang kita …
salamat po, doc…
Chandler
01-12-2006, 03:58 PM
Summer kun, there are various kinds of insurance/pension plans available in the market. What you need is a good/trusted insurance consultant to prepare a plan suited to your needs & budget. Although most of the pioneers in the insurance industry have a prepared plan, they can still modify the general provisions best suited for you. The main thing in the insurance business is, you must know your consultant well so that in any event (God forbid), he/she will be able to assist your family in the claims process.
Big names are, as they mentioned, Philam Life , Sun Life (www.sunlife.com.ph (http://www.sunlife.com.ph)) , Professional Pension Plans, Loyola Life Plans (not memorial ha!!) , etc.
Look over the companies carefully and ask around from friends/acquaintances…
Now, the Pension Plan is different in a way that you get a lump sump of say, 1,000,000 after maturing in so many years. Again, depends on the value ng Plan / payment & maturing terms ang premiums that you will pay…e.g., 5 yrs to pay/maturing 10 yrs/ quarterly mode ang payment, and so on…
I am using Sun Life of Canada…this is a good company but also we have a family friend working as an insurance consultant so medyo mayroon ng plus on our side.
They do Life and non-life Insurance.
Just one thing, if you will get a life insurance from P.I. , they will need you to go through a medical check in some cases (depending on the report to be submitted by the consultant). You see, there is a questionnaire that has to filled up before they accept your application. Sa Pension Plan is not so strict since they will cover your plan with another group life insurance so in case you die or be disabled during the term of payment, you will receive the full amount of the plan and stop paying the premiums (pano ka nga naman magbabayad kung tepok ka na)
So there you have it…hope the info helps…
Summer!
01-12-2006, 06:03 PM
Summer kun, there are various kinds of insurance/pension plans available in the market. What you need is a good/trusted insurance consultant to prepare a plan suited to your needs & budget. Although most of the pioneers in the insurance industry have a prepared plan, they can still modify the general provisions best suited for you. The main thing in the insurance business is, you must know your consultant well so that in any event (God forbid), he/she will be able to assist your family in the claims process.
Big names are, as they mentioned, Philam Life , Sun Life (www.sunlife.com.ph (http://www.sunlife.com.ph)) , Professional Pension Plans, Loyola Life Plans (not memorial ha!!) , etc.
Look over the companies carefully and ask around from friends/acquaintances…
Now, the Pension Plan is different in a way that you get a lump sump of say, 1,000,000 after maturing in so many years. Again, depends on the value ng Plan / payment & maturing terms ang premiums that you will pay…e.g., 5 yrs to pay/maturing 10 yrs/ quarterly mode ang payment, and so on…
I am using Sun Life of Canada…this is a good company but also we have a family friend working as an insurance consultant so medyo mayroon ng plus on our side.
They do Life and non-life Insurance.
Just one thing, if you will get a life insurance from P.I. , they will need you to go through a medical check in some cases (depending on the report to be submitted by the consultant). You see, there is a questionnaire that has to filled up before they accept your application. Sa Pension Plan is not so strict since they will cover your plan with another group life insurance so in case you die or be disabled during the term of payment, you will receive the full amount of the plan and stop paying the premiums (pano ka nga naman magbabayad kung tepok ka na)
So there you have it…hope the info helps…
oo nga Chandler, alam ko nga kailangan pa ng medical check-up para ma-approve, so talagang pagdating sa Pinas pa lang maaasikaso yung papers. Thanks sa info ha.
@ Tonyang, thank u din sa info…
Chandler
01-12-2006, 08:14 PM
Summer, the medical check may or may not be required depending on how the questionnaire was answered. Basically, they will go through your medical history and family medical history then decide if you will be required to undergo some checks like x-ray, cbc, ecg, etc. So if you have a clean bill of health based on your last annual physical exam and sa family history ay walang high blood then there is no need to go to their authorized med. clinic…anyway free naman ang check-up, sila ang bayad.
So what you can start now is to scout around for your preferred insurance company and then request for a consultant…then you can discuss with him and customize your a plan depending type, value of plan, premiums, and so on…
Check on the various endowment plans ng Sun Life or other insurance companies, its a good plan although medyo heavy ang premiums but worth it in the long run. Again, be sure pili ka ng plan na kaya mong bayaran yung premiums based on your annual income otherwise masasasayang if you end up stopping. Dont rush yourself in decisions like choice of company or plan…remember the idea is to have a secure future and not make yourself miserable in finding funds on how to pay the premiums.
I have known a lot of cases where expensive plans were bought only to be abandoned later.
re-instatement of plans that were stopped ay mahal din… nway, hope all goes well for you!
DaiRyouKoJin
01-12-2006, 10:52 PM
Hi sa inyo,
kakakausap ko lang sa bilas ko sa manila.May isang Insurance company na naman ang bumagsak.yung sa mga bilas ko, di na daw pinag renew ng SEC insufficient funds na ata. Out of 80K na binayaran nila, 14 K na lang ang marerefund nila.
Kaunting ingat lang po mga kapatid sa pagkuha ng insurance.
Summer!
01-12-2006, 11:03 PM
Hi sa inyo,
kakakausap ko lang sa bilas ko sa manila.May isang Insurance company na naman ang bumagsak.yung sa mga bilas ko, di na daw pinag renew ng SEC insufficient funds na ata. Out of 80K na binayaran nila, 14 K na lang ang marerefund nila.
Kaunting ingat lang po mga kapatid sa pagkuha ng insurance.
dairy chang, anong insurance company ba yan, di na ko nakakabalita lately lagi ako dito sa pugad lumilimlim e.:rolleyes: oshiete…
Summer!
01-12-2006, 11:04 PM
@Chandler, thanks din sa reminder.
fisher
01-12-2006, 11:07 PM
Good day sa ating lahat…Meron ba tayong member na naghuhulog ng life insurance pero sa Pinas ang bayad, meaning Phil-based life insurance? I tried browsing the net, pero medyo hassle yung ibang nakita ko sa states pa kasi ang bayad. Pero mag-aapply ako habang nandito sa japan? Medyo ASAP po, pls…
Summer tsang hindi ba Japanese ang hubby mo or you are still single? Kasi kung ako ikaw kung Japanese national ang asawa eh dito na ako magpapa-insured kasi mas malaki ang matatangap na pera dahil yen ang monetary unit.If not naman okay naman siguro na Philippine based life insurance ka na.Goodluck. .
Summer!
01-12-2006, 11:11 PM
Summer tsang hindi ba Japanese ang hubby mo or you are still single? Kasi kung ako ikaw kung Japanese national ang asawa eh dito na ako magpapa-insured kasi mas malaki ang matatangap na pera dahil yen ang monetary unit.If not naman okay naman siguro na Philippine based life insurance ka na.Goodluck. .
No, may asawa nga akong hapon, kaya lang kasi ang beneficiary ko yung parents ko sa pinas, kaya gusto ko doon ko kunin para kung sakaling kunin ako, huwag naman muna sana ni lord, e, sila na sa pinas ang mag-aasikaso dahil baka magka-problema pag dito sa japan, alam mo na, nihonggo wakaranai sila lahat sa pinas, not like kung doon, lahat halos magagawa nilang gawan ng paraan, pero may katwiran din yung tungkol sa value ng pera na sinasabi mo.
adechan
01-12-2006, 11:39 PM
hi there summer …
consider the suggestion of dairyoukojin … my mother was been into a lot of insurance and pension company. ako dati akong branch secretary/cashier nang PPI, Permanent Pension Plan by Madrigal Co. way back there in PI, minsan nag se sales din ako, dagdag kita.
Medyo na i ko-compare ko ang stability and assurance nang mga iyan dito sa japan at sa pinas.
Pero sa case mo ang gusto mo talagang makinabang ay ang mga nasa pilipinas, mas feel safe parin nga kung doon ka kukuha.
ang one thing din mag-iingat ka sa process nang payment, maraming nagogoyo diyan, akala nila napupunta sa company ang bayad iyon pala nahaharang na, ang nasisira iyong company. Kaya ingat sa agent at be sure for a safe payment process.
study things first and think over and over before you decide which company and which plan.
Summer!
01-13-2006, 12:34 PM
hi there summer …
consider the suggestion of dairyoukojin … my mother was been into a lot of insurance and pension company. ako dati akong branch secretary/cashier nang PPI, Permanent Pension Plan by Madrigal Co. way back there in PI, minsan nag se sales din ako, dagdag kita.
Medyo na i ko-compare ko ang stability and assurance nang mga iyan dito sa japan at sa pinas.
Pero sa case mo ang gusto mo talagang makinabang ay ang mga nasa pilipinas, mas feel safe parin nga kung doon ka kukuha.
ang one thing din mag-iingat ka sa process nang payment, maraming nagogoyo diyan, akala nila napupunta sa company ang bayad iyon pala nahaharang na, ang nasisira iyong company. Kaya ingat sa agent at be sure for a safe payment process.
study things first and think over and over before you decide which company and which plan.
oo nga, yun lang ang problem sa mga insurance companies e yung agent kasi ang collector din so minsan kung di okey yung agent e, baka mabulsa lang. so, thanks sa paalala adechan.
Chandler
01-13-2006, 03:35 PM
oo nga, yun lang ang problem sa mga insurance companies e yung agent kasi ang collector din so minsan kung di okey yung agent e, baka mabulsa lang. so, thanks sa paalala adechan.
Summer, the only way you can ensure that your payments are received is to have a checking account. You can then prepare the checks anti-dated on the due dates, if monthly then prepare 12 checks to cover the whole year, if quarterly then 4 checks and so on. You can then leave the checks with your relatives and they can hand over to the collector/agent. Be sure to cross the check para for deposit lang. If you are not familiar with checks then ask the bank or somebody who is familiar in using checks as payment.
When you prepare the checks, be sure to fill up the date, amount, payee and yr signature and then cross it (cross check means you put 2 diagonal lines on the upper left hand corner of the check, this means that the check CANNOT be encashed and can only be deposited under the payee account name - insurance company name). REMINDER: DO NOT PUT THE CHECK UNDER THE AGENTS NAME UNDER ANY CIRCUMSTANCES!! Also, be sure to get an official receipt everytime you release the check.
Banks require you to maintain a certain amount when you open a checking account so medyo tulog ang pera because checking account does not earn interest…before 5,000 ang initial deposit as requirement nila but I dont know now. Also, choose a bank that has online banking facilities like BPI or Metrobank so even if you are in Japan , you can monitor the account by just logging into their web site. Metrobank will be a good choice since they have a branch in Tokyo, this way you can drop down and inquire properly on how it is done.
Apart from this recommendation, I cannot think of any other way to ensure payment unless you do the payments personally which is not possible with your situation.
Of course medyo may konting expense involved in doing this procedure but I believe it is negligible considering the amount involved. Better be safe than sorry sabi nga nila.
Ako nga all bills are paid for by checks sa Manila, school tuition, phone, electric, water,etc. Anything that can be paid for by check is better kasi less temptation than handling cold cash.
Also, you can cancel the checks anytime by just calling your bank if ever something goes wrong.
In fact I even use the Metrobank system in paying some bills by telephone from Japan. You will have to apply for this sa bank of course. Hi-tech na rin sa pinas diba!! Better inquire on what capabilites available sa bank using the net and it will be easier to do banking.
Have a good day!!
Summer!
01-13-2006, 06:42 PM
@ Chandler, oo nga ano, mas ok kung checking account ang gagamitin ko kesa cash, although never pa akong nagkaroon niyan. So, yung sinasabi mong post-dated (or ante-dated) check, pwede ko ba yun i-issue once para sa isang taon, meaning 12 checks in a year sa isang bigayan lang? pwede di ba, kasi nga post-dated naman di ba? Can you shed a light on this, medyo lumalabas ang ka-eng-eng-an ko e, sori…
nhidz20
01-13-2006, 07:06 PM
Good day sa ating lahat…Meron ba tayong member na naghuhulog ng life insurance pero sa Pinas ang bayad, meaning Phil-based life insurance? I tried browsing the net, pero medyo hassle yung ibang nakita ko sa states pa kasi ang bayad. Pero mag-aapply ako habang nandito sa japan? Medyo ASAP po, pls…
Hello summer;
New lang ako dito sa timog, meron akong binabayarang insurance ng mga anak ko sa pinas,
Sun LIfe of Canada, recommend ko ito sa 'yo kasi 5 yrs. na akong nagbabayad dito ng LIfe Insurance nila, yung kinuha ko ay yung nag aacummulate ng interest ,last yr. nakatanggap na yung 1st son ko ng 6% ng 1m. na insurance nya 60,000 to sa pera natin, puede mo rin tong di kuhain nag iinterest naman ito ng 9.5% p/a. Sa pagbabayad naman puede kang mag apply ng chartered card visa o master card may branch yan dito sa Tokyo puede ka dyang magbayad automatic debit sa pinas tapos dito mo bayaran. Sana makatulong ako sa iyo.< GOOD LUCK>
Summer!
01-13-2006, 07:18 PM
Hello summer;
New lang ako dito sa timog, meron akong binabayarang insurance ng mga anak ko sa pinas,
Sun LIfe of Canada, recommend ko ito sa 'yo kasi 5 yrs. na akong nagbabayad dito ng LIfe Insurance nila, yung kinuha ko ay yung nag aacummulate ng interest ,last yr. nakatanggap na yung 1st son ko ng 6% ng 1m. na insurance nya 60,000 to sa pera natin, puede mo rin tong di kuhain nag iinterest naman ito ng 9.5% p/a. Sa pagbabayad naman puede kang mag apply ng chartered card visa o master card may branch yan dito sa Tokyo puede ka dyang magbayad automatic debit sa pinas tapos dito mo bayaran. Sana makatulong ako sa iyo.< GOOD LUCK>
Hello, nhidz20, welcome to tf. Do you have their contact number? dito ba sa japan o pinas yung alam mong contact? thanks. and enjoy tf!
nhidz20
01-13-2006, 09:12 PM
Hi summer just log on to www.sunlife.com.ph (http://www.sunlife.com.ph) para sa insurance,para naman sa chartered visa or master card log on to www.standard (http://www.standard) chartered bank.ph/or jp,remind ko lang na kailangan mo paring i apply itong card sa pinas o puede rin yung mga relative mo doon ipadala lang sa iyo yung mga documents for signing.PM mo lang ako pag may iba ka pang questions.
Chandler
01-13-2006, 09:46 PM
Hello, nhidz20, welcome to tf. Do you have their contact number? dito ba sa japan o pinas yung alam mong contact? thanks. and enjoy tf!
Summer, rgdg the suggestion ni nhid20, much better yun since you do not have to do anything anymore sa payment as the insurance company can charge the premium amount directly to your credit card company and you in turn will pay the corresponding amount when you recieve the statement of account from the credit card company. Your official receipt will be the statement of the card company.
I did not know na mayroon na rin palang ganoon system sa atin…what happens is when the agreement is finalized, they will ask your authorization for them to charge directly to your card. The only catch is, you will have to pay an annual dues of around yen 10,000-- for maintaining the credit card depending on which card company you have applied for…now , if your husband (i am assuming you are married) has a card already, you can ride with his card which he will have to request and they will issue to you your own credit card. Again, you have to check if his card is accredited with the insurance company, otherwise you will have to apply for a new card.
To apply for a new card, you can find application forms in banks/department stores/etc., fill this up and just mail it to them…they will go over the application and inform you if the application is approved or not. In the form, they will be asking your work history / annual salary. etc…mainly ang financial standing mo?
To answer your previous question, YES, you can issue as many checks as you want as long as you date all of them on due dates of the payment. Just be sure to make a document stating that the checks were recieved by them, i.e, check no., amount, date and duly signed by their financial dept.
I suppose you already have a general idea so problema na lang is an insurance consultant.
Good luck na lang sa iyo!!
Chandler
01-13-2006, 09:55 PM
oooppppssss!! sori wrong quote on my previous message… kalimutan ko delete kasi was copying the name of nh…20. nobayan, kalimutan ko na naman.
anyway, maganda suggestion niya…if ever sa pinas ka mag-apply ng card, make arrangements as well on how to pay the credit card company from Japan. Otherwise you go back to the same problem.
regards!!
Summer!
01-14-2006, 01:50 PM
thanks again Chandler and nhidz20, more or less I already have an idea pagdating sa Pinas…
Ferdie
08-29-2008, 11:29 PM
Interesado din ako tungkol sa life insurance.
May mga umiikot dito sa office na taga N. Seimei at M. Seimei
pero ang mahal naman di ko kaya.
Mas mura nga siguro kung Pinas-based.
docomo san pwede naman siguro i-post dito
basta hindi kasama ang pangalan mo hehe.
If you are curious how you should be insured here in Japan I can provide you how you should do it practically. You will know what you need and what you dont need in the language that you can understand…just let me know
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