5 Reasons Why a VUL Insurance Policy is the Perfect Gift for Yourself This Christmas

The Christmas season is almost here. It’s already getting harder to get out of bed, as mornings have become colder. Television talk shows have begun counting down the days until Christmas Eve. Jose Mari Chan's famous classics have even started playing everywhere, along with other famous Christmas carols.

Normally, you would have already begun writing down your Christmas shopping list, and perhaps even checking it twice just like the song taught us, making sure to not miss anyone. If there’s anything that the pandemic has taught us it is to invest in what matters most like family, good friends, health, and of course, sound financial investments to make sure that should another rainy day be upon us, we will be more than ready to face this.

Having said that, why not consider getting yourself (or even your loved ones) a variable-unit linked (VUL) policy for Christmas? A VUL policy provides you with the life insurance coverage component of a permanent life insurance policy, while offering opportunities for profit through its investment component. Here are five reasons why a VUL policy is one of those gifts that will just keep on giving.

What do you usually get yourself for Christmas? Chances are, you buy yourself something expensive, like the latest mobile phone or tablet, or a nice pair of shoes. But as with the case of material items, these eventually lose value over time. This Christmas, choose to give yourself something that will not only last but may gain more value over the years. Life and health insurance will provide long-term protection, along with other important benefits as the years go by.

What better way to practice self-love than by giving yourself the gift of protection? Getting insurance is about taking care of yourself and your loved ones, and upholding a promise to provide for their needs, no matter what. A health and life insurance policy can be the best expression of love, and is perfect for the Christmas season. The ideal thing to do is to research the available insurance policies in the Philippines, together with the best insurance company, so that you can be aware of all the existing options in the market.

Getting a VUL policy for yourself is also a sound way to grant yourself peace of mind, as well as the freedom to live the best quality of life possible. With the knowledge that you and your loved ones are protected, you get to enjoy life more fully, with fewer concerns and worries. Having a VUL policy not only provides you with life coverage benefits and possible supplemental health coverage benefits but also the contingency to have cash on hand during a crisis.

Contrary to what others may think, most insurance plans don’t cost as much. There are a variety of plans to choose from, so you can easily find one that fits your lifestyle, at terms that will be comfortable for you to pay. The best way to find out which option is best is to get a quotation.

How old are you now? Insurance plans generally cost less at lower ages. Cost of insurance at younger ages represents lower risk of disease or mortality.

Another important lesson that the pandemic has taught us is the importance of having an emergency fund - and that is something that a VUL policy can help provide.

While placing your savings with a bank is still considered as a safe and reliable choice, it is also undeniable that doing so cannot help you build your income, because of low interest rates. Purchasing a VUL policy can be a wise decision, because even if you just know the basics of investing, your money will still have the opportunity to grow. Skilled fund managers will place your money in trusted investment products such as stocks, bonds, and options to increase your earning potential.

If you’re reluctant because you feel like you don’t know enough, then worry not. All the information you need is available at your fingertips. You can read more about different types of insurance plans through a website, by following a social media page for updates, or by just calling a hotline. Furthermore, there are many financial advisors that will be willing to assist you with your concerns. They will be keen to talk to you and answer all your queries.

Instead of buying gifts that may eventually depreciate over time, it’s time to begin giving gifts that last. Now that you know why an insurance plan is the best gift not just for Christmas, but for any day of the year, the next thing that you should do is to research all available options. What type of insurance do you and your loved ones need, and where do you plan to get one?

If you’re looking for the right partner to protect yourself and those you love, then Allianz PNB Life is here for you. Though at first, insurance may not seem like the first thing you’ll think of when you say “Christmas presents,” we’re sure that you and your loved ones will greatly appreciate it.

Whatever you do, Allianz PNB Life is always beside you. Allianz is the top insurance brand in the world as of 2020, present in over 70 countries, and have been serving millions, helping them fulfill their dreams. Give yourself the combined gift of protection, peace of mind, and earning potential this Christmas.

For those who dare to maximize growth, the best gift is Allianz PNB Life's Maximal Power, a single-pay unit-linked life insurance policy that maximizes your investment by giving access to various local and global funds. Get the stockings out, set up the tree, and turn on the Christmas lights.