@jinigirl said:
@era222 said:
@erinp said:
Hello! Just curious po sa mga magbi-BM with PR visa, what other accounts did you withdraw aside from SSS and PAGIBIG? Is it recommended to withdraw PH-based insurance (e.g. VUL)?
Not yet BM stage pero I already withdrew my VUL. Although kineep ko sya as insurance pa rin, so maintaining balance lang, nawala na investment part. If gusto mo ng additional (and cheaper) VUL and ilang years na rin ang policy mo, it might be better to just wait until its maturity. If wala ka naman na talagang interest to keep it, you can cancel it na. I kept it lang with a sunk-cost mindset na andyan na lang rin na, and if ever I decide to get one ulit mas mahal pa tuloy.
Also, hindi yata nawwithdraw ang SSS (not sure ah)? Correct me if I'm wrong.
pag nagtira ka ng maintaining balance sa VUL, may deductions pa din ba yun until such time na mag zero sya?
Ang paliwanag sakin ng advisor ko nung una, I can just let it be tapos if makita kong depleted na, hulugan ko nang kahit maliit na amount to keep it in effect. So far, sa regular checks ko 'di naman gumalaw yung balance. I left like 300 there and okay pa naman, have not caught it go down to zero, at least not yet.