Skip to main content
  • Search
  • Home
  • Our Products
    • Protection
    • Health
    • Savings
    • Wellness Series
    • Insurance with investment
    • BPI AIA Direct
    • Partnership Insurance
    • Corporate Solutions
  • Key Moments
    • Building My Wealth
    • Getting Married
    • Becoming A Parent
    • Working Abroad
    • Planning For Retirement
    • Running A Business
  • About Us
    • Our People
    • Media Center
    • Corporate Governance
    • Our Commitments
    • Events & Promotions
    • Careers
    • Our Customer Charter
    • Our Internet Security Arrangement
  • Claims & Support
    • Contact Us
    • Contact Info Update
    • BPI AIA Funds
    • Payment Facilities
    • Benefit Payout Enrolment
    • Frequently Asked Questions
    • Claims Guide
    • Forms Library
    • Bill of Rights of Policyholders
  • Total Health Solution
    • Live Better
    • Get Better
    • Protect Better
    • My AIA PH
  • My BPI AIA
    • Bancassurance Portal
    • My AIA
    • REQUEST My AIA ACCESS
    • Bancassurance 101
BPI AIA
BPI AIA BPI AIA
  • Our Products

    Our Products

    Find a life insurance plan according to your needs

    SEE MORE

    For Individuals

    For Corporations

    • Protection

      Put yourself at ease by protecting those you love

    • Health

      Protect yourself from unforeseen medical costs and focus on getting better

    • Savings

      Make saving for the future within your reach

    • Wellness Series

      Protection solutions that reward your healthy choices

    • Insurance with investment

      Make the most out of your hard-earned money

    • BPI AIA Direct

      Affordable protection products readily available

    • Partnership Insurance

      Affordable insurance to protect yourself and your family

    • Corporate Solutions

      Protect your company's best assets

  • Key Moments

    Key Moments

    Where are you in life's key stages?

    VIEW ALL KEY MOMENTS
    • Building My Wealth

      Setting yourself up for success

    • Getting Married

      Embark on a beautiful journey as husband and wife

    • Becoming A Parent

      Preparing your child's future

    • Working Abroad

      Setting aside in order to come home for good

    • Planning For Retirement

      Having time to do things that you have always wanted to do

    • Running A Business

      Take care of your most important asset

  • About Us

    About Us

    BPI AIA is a partnership of financial icons

    Know more
    • Our People

      The foundation of our success

    • Media Center

      News and information about BPI AIA

    • Corporate Governance

      ASEAN Corporate Governance Scorecards

    • Our Commitments

      Partnerships and community initiatives

    • Events & Promotions

      Here’s what’s happening in BPI AIA

    • Careers

      Explore opportunities to bring real ambition to life

    • Our Customer Charter

      This is our commitment to you.

    • Our Internet Security Arrangement

      Safeguarding your data.

  • Claims & Support

    Claims & Support

    We strive to provide the best service for our customers

    Contact BPI AIA
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • Contact Info Update

      Easily update your contact information with us to receive timely updates on your policy.

    • BPI AIA Funds

      BPI AIA and Ayala Life Funds Information

    • Payment Facilities

      We make it easy to pay your premium. Choose the best payment option for you.

    • Benefit Payout Enrolment

      Receive your benefits via our convenient payout options.

    • Frequently Asked Questions

      Have a question? You may find the answer here

    • Claims Guide

    • Forms Library

      A selection of forms you can download, fill in and send back to us

    • Bill of Rights of Policyholders

      The Bill of Rights details an insurer's obligations to consumers to better protect policyholders.

  • Total Health Solution

    Total Health Solution

    • Live Better

      Enjoy a healthier, better, longer life with AIA Vitality.

    • Get Better

      Be on the road to full recovery with access to health care services.

    • Protect Better

      Be better protected against life's uncertainties so you can live worry-free.

    • My AIA PH

      Welcome to My AIA! It's your new all-in-one customer portal for your policy, health and wellness needs. Login and try it today!

  • My BPI AIA

    My BPI AIA

    Access your BPI AIA accounts

    • CUSTOMER

      My AIA

      View the status of your policy & claim requests, monitor your policy’s account values, and keep tabs of your payments & benefits history.

    • BSE

      Bancassurance Portal

    • Bancassurance 101

      BPI AIA is the number one bancassurance company in the Philippines. Find an affordable life insurance product in 800+ BPI branches nationwide.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 5pm, Mon - Fri

    • Leave Us a Message

Finance and Insurance
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • Freelancing Dos and Don'ts to Make Sure You Always Get Paid

    18 July 2022


    Freelancing Dos and Don'ts to Make Sure You Always Get Paid

    Becoming a freelancer is a personal decision based on different reasons. It could be the desire for more time doing personal passion projects, better flexibility and greater autonomy, expanding income sources, or working on your own. With its roster of upsides also comes downsides, one of which is the inevitable challenge every freelancer will face: managing clients and cash flow.

    Building and maintaining customer relationships is difficult. Sometimes, you agree on things that are not on paper. Other times, the payment discussion only gets glossed over, resulting in some clients getting away with "free work"—especially if you're new to the freelancing world. And this is what you want to avoid.

    Ensure you always get paid for your work. Check out these handy freelancing tips that cover money-related and client management best practices for a smooth-sailing freelance career.

    1.   Do: Research before accepting a gig

    Whether you see a post about a project or a client has approached you for one, make sure to learn as much about the company or client before you send a proposal or respond. If the post or offer sounds too good to be true, it most likely is.

    Besides researching the business or brand, look for mentions about the company in freelancing groups. Some freelancers often warn about sketchy companies (read: does not pay freelancers) in private freelancing groups so others can avoid them.

    2.   Don't: Get started without a contract

    It's not uncommon, especially for beginner freelancers, to experience not getting paid for the work they have done. Before accepting a project, it's important to ensure that you and the client are on the same page. Depending on how you price your services, explain how your package or rates apply to the project.

    It's crucial to use clear language and mention essential details in the contract, including the repercussions when the terms are broken. Any negotiations should be stated in the contract as well so you have a record. Draft a contract, discuss it with your client, and have it signed to protect you when it comes to payments.

    3.   Don't: Start working for free

    You can state in your contract that you require a down payment (at least 30%) upfront before starting on the project. Many freelancers do this not only to guarantee that the client has the intention to pay but also to lay the foundation of trust between clients and freelancers.

    Of course, you must state the terms so the prospective client wouldn't feel uncomfortable with the deal. For example, you can note in the contract that you'll show or discuss the progress halfway through the completion. Once you feel like there's a good relationship between you and the client, it's up to you whether to continue the down payment rule.

    4.   Don't: Forget to send invoices

    Make sure to send out the invoice each time you complete a project or gig. The invoice should detail what you're billing the client for, the total amount due, how the client can pay you, the payment due date, your and your client's contact details, and the invoice number. If you want to get paid fast for your work, send the invoice on the same day.

    There are many invoice tools online freelancers in the Philippines can use, such as Odoo, Xero, and Lano.

    5.   Do: Keep things professional

    It's essential to remain polite and respectful when communicating with prospective and existing clients. It's always best to use a formal tone when writing emails and conversations to keep the discussion professional. That means avoiding memes if the conversation doesn't call for it.

    This isn't to say you shouldn't share any personal anecdotes with clients, especially those you've worked with for a long time. It all comes down to moderation—share just enough relevant personal notes to keep things light, but don't ramble on unrelated personal notes. Whether you're sending a sense of urgency about unpaid invoices or communicating updates, maintain a professional and objective tone.

    6.   Do: Learn when to say "no"

    If a client asks for revisions on a completed project due to oversight, don't do it for free. Suppose the client wants to change the scope of the project but you're already swamped with other client work, explain the circumstances, respectfully decline, and say you need to stick with the original agreement. When you get requests that are beyond your control, capabilities, and schedule, know that it's OK to say "no."

    7.   Do: Have a savings plan

    One of the limitations of freelancing is inconsistent work; hence, inconsistent income. That's why you must beef up your savings as you get to work with many clients and make more money.

    While you're at it, get an investment plan that doubles as life insurance to safeguard your future as a freelancer. You can't control many things as a freelancer, and you don't get the same benefits as a full-time employee. Getting a life insurance plan allows you to work with fewer worries.

    Freelance Smarter

    Switching to the freelance side is exciting and daunting, but it's most rewarding when you're doing it right. As a freelancer, you have to see to it that the projects you accept from clients are bringing in significant earnings.

    Late-paying clients can be inevitable. That's why it's best to have a backup plan in case this happens. BPI AIA's Savings Plan can help you become financially ready through investment and life insurance. BPI AIA lets you get insured at the convenience of your home despite the ongoing pandemic. Get in touch with a Bancassurance Sales Executive today to future-proof your freelancing career.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
    Newsletter

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

      

    Explore BPI AIA

    Our Products

    Key Moments

    About BPI AIA

    Who we are

    Our People

    Media Center

    Careers

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

    Learn more about AIA Group

    EXPLORE BPI AIA

    Our Products

    Key Moments

     

     

    ABOUT BPI AIA

    Who we are

    Our People

    Media Center

    Careers


    Copyright 2016. AIA Group and its subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.