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Getting Married
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  • 5 Things You Need to Have Before Getting Married

    24 December 2019


    5 Things You Need to Have Before Getting Married

    There is a myriad of factors to consider when working to lead a life full of meaning, happiness, and fulfillment. Like everything else, carefully defining your goals and coming up with a sound plan is the first step in achieving whatever you are shooting for—be it in starting college, deciding a career, or entering a new chapter in your life.

    In laying down your plan, it’s important to plot crucial steps and milestones to help you track your progress and avoid feeling overwhelmed by the immensity and uncertainty of life. It is essential to understand that, like most things, you must work on one piece of the puzzle before getting on with the next.

    The same is true with getting married—you can put off some things, but if you want your married life to be smooth-sailing, it would be ideal if you can achieve them before you decide on tying the knot.

    For most people, marriage is one of the most momentous aspects of life, and some have even dreamed and looked forward to it since they were little. Although, as exciting as it may be, it’s best not to rush your trip down the aisle.

    Before planning your big day, there are other critical details to settle so that you can be emotionally, mentally, and financially prepared for a long-lasting, happy marriage. Here’s a list of things to sort out before walking down the altar:

    1. Have a Stable Source of Income

      Have you noticed that nowadays, dual-income households have been the norm?

      Aside from choosing the right life partner, you must also find the right career path that is best suited for you. Once you’ve decided on a career, it will be easier to secure the perfect job and have a stable source of income. Establishing yourself and having a good grasp of your finances will go a long way in allowing you and your partner to work as a unit when deciding on having a family in the future.

      In getting and keeping a steady job—or setting up a well-built business—you can confidently stand on your own two feet, sustain your lifestyle, and be well-equipped to handle whatever life throws at you.

      Take it from newlyweds Edward and Rieze Oliver, who learned about this lesson the hard way as they struggled to sustain a life of travel while simultaneously paying off their recently acquired properties. Learn more about their story here.

    2. Protect Your Future and Get A Life Insurance Plan

      Life insurance protects you and your future family. For this, you should consider it a vital pillar in your personal finances. However, despite its value, people remain skeptical of its significance, especially when weighing it against paying off current debt.

      Others may delay getting life insurance at an early age without putting much thought into the economic impact of it in the future. As life insurance in the Philippines has rapidly evolved, it can give you peace of mind knowing you and your family are protected while having the option to expand your financial portfolio, including retirement and tax-free investments.

      As rates are lower when purchased sooner, consider exploring the wide range of life insurance options available before you get married. If both you and your partner have yet to decide on a life insurance plan, you can take a look at options like Family Care Plus which provide coverage for the both of you for the price of one.

    3. Pay Your Outstanding Debt Before You Wed

      While debt is a fact of life, it is good to note that there are good kinds of debt like car and housing loans, and there are bad debts like salary loans and credit card debt. Entering into a marriage with large amounts of bad debt can be overwhelming and toxic for the relationship. Rather than focusing on the future, bad debt can pull you and your partner in a rather messy marriage, feeling stuck in a rut.

      Manage your finances and your debt while you’re single. In paying off your outstanding debt before you wed, you can start your marriage fresh, without being tethered to any loans.

    4. An Honest Discussion About Finances

      Before tying the knot, it’s common to know one another first—likes, dislikes, quirks. Make sure to go over things like each other’s financial situation, too, along with other essential conversations before walking down the aisle.

      Have an honest discussion about both the positives and negatives so that both parties know what they’re getting into before the fact. It’s worth your time to understand each other’s spending habits, outstanding debt, and plans for further studies, especially when financial issues are one of the most common reasons for divorce.

    5. Have an Emergency Fund

      Financial problems can be a source of stress, especially for newlyweds. Aside from ensuring you and your partner are compatible and mature enough to deal with unavoidable money issues, it is always a good idea to set up an emergency fund early on in life. If you haven’t started saving yet, it’s best to read up on some wedding budget rules to achieve financial harmony.

      Establishing an emergency fund can make married life a bit easier. You can start by saving up about three months’ worth of expenses. This will help you get by in case one gets sick or loses a job.

    By managing your finances and being confidently self-reliant, you can sleep easy at night knowing no matter what happens, you can handle the more difficult yet rewarding challenges ahead and have a healthier, better, and longer married life. If you need more information about setting up a solid financial plan, talk to a Bancassurance Sales Executive at any of our 900 BPI branches. 

    Live Longer, Healthier, and Better

    Invest in both your health and wealth with BPI AIA Wellness Series

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    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 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

    Build Estate Plus

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    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 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.

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