It is important that this last important link in the memorialization phase of life be provided. Now that you have plot where to bury your deceased? What else do you need? A service of course.
We all need this product every one of us; no one wants to leave this life so early or prematurely. But one day, as all have meet our creator; He will get back the life He lent us. And when that time comes, are we ready or have we prepared our family for that?
(Or we shall leave them with tears, heart aches, troubles and even debt the mortuary.
Hence, every Juan must have a life plan (indeed it is for the living, because it takes care of the problems of the living, the beneficiary
The product:
Our first plan for sale, which has been duly approved by Office of the Insurance Commissioner (the highest governing body of the Life Plan Company) (equivalent of BSP to banks) is White Rose;
Its features:
Price: P30,400 contract price; 60 months to pay, P604 monthly. Very cheap and affordable.
Cash P28,880
Memorial Service: Generic casket - OMB full glass, wood casket, free pick up within 25 km radius, home viewing for 7 nights, with free funeral packs, 7 days embalming
Insurance Protection during the paying period
The plan holder is adequately protected by a rider, that in case something happens to him/her, if he/she is of insurable age and health, his amortization is deemed paid, and the principal which he/she paid shall be returned to him
Investment
The purchase of a life plan is indeed an investment:
1. The planholder is protected from price increase (caused by inflation) since the Company and the planholder has an agreement
2. The plan is usually 20% cheaper than the listed at at need price
3. The plan can be transferred to a third party even partially or fully paid for an equal price or a gain.
4. Liquidity - the plan can be terminated any time, and cash surrender value can be had by planholder ( at 100%) beyond the paying period.
5. Increments - when the company gets higher yields on its investment, there can be additional increase in the plan value (which can be additional cash benefits for the plan holder
As we go further in this business more innovations can be made and more benefits can be provided to the plan holder.
Thus, our plan holder can have a new way of enjoying our life plans
Assurance
Holy Gardens Group is a trusted company and is in business for the last 34 years and has been known to be consistent in its growth, is profitable, and has complied with all its commitment to the customers, and and govt regulations.
Destiny LIfe Plans is duly authorized by the Office of the Insurance Commissioner one of the remaining 18 remaining pre need companies, one of the 8 offering life plans
It has 7 sites nationwide with 3 sites with memorial assets (chapel and mortuary facilities) It is investing in 2 crematorium.
It inventories nationwide totals into billions and can answer its obligation (Memorial services, unlike educ and pension plans are stable in price since there are many mortuaries and suppliers of caskets and sudden swings in prices is very unlikely that will take down a life plan company. The only surviving pre need companies are life plans and are growing strong (and all of them are memorial assets) Those who went down and belly up are pre need companies in educ and have no school assets. First plan, owned by the Tancos is a good business and good business model, because it has a school system - STI. All sound pre need companies must have assets for the product it is selling. Thus HMO must have hospitals, so that they are beholden to hospital owners now (in case they unjustly increase prices
For more details, even being a seller:
Our main office is at Bayani Rd. BGC, Taguig City and soon to be transferred to 3f, Juana Merced Building Angono Rizal
Contact number: 0916 279 0777
