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  • A Financial Checklist for Newlyweds

    07 June 2021


    A Financial Checklist for Newlyweds banner

    It’s never too early to prepare for rainy days—especially when you’re starting to build a new life with your spouse. The first year of marriage is typically called the honeymoon period, but it’s also the best time to build a solid financial foundation with your other half. While young newlyweds may think they have plenty of time to sort out money matters, the truth is that the earlier you start, the more prepared you can be for life’s unpredictable challenges.

    Read on to find out the five things that should be on every young married couple’s financial checklist.

    A Financial Checklist for Newlyweds infographics

    1. Getting a life insurance plan. You vowed to be there for your spouse for better or for worse—prepare for any future challenges by getting a life insurance plan. Enjoy lifetime protection for as low as P2,100 per month with BPI AIA’s Life Ready Plus, which provides coverage as much as 30 times your yearly payment. The earlier you start, the earlier you can have peace of mind that your family will be protected no matter what.

    Aside from getting life insurance, you can earn rewards for living a healthy lifestyle with this plan. Life Ready Plus is integrated with the AIA Vitality Program, which provides an upfront additional coverage of 20% to your policy and any add-ons. These add-ons, which boost your life and health protection, include accidental and health rider, early-stage critical illness, enhanced critical illness, waiver of premium, and hospitalization.

    2. Changing beneficiaries. Updating your beneficiary information in your insurance with savings and investment components will make things easier in the future should the need come up. Remember to do the same for your will, and if you don’t have one yet, it’s a good time to have one drawn up. Make a note to update your beneficiary information if you have kids in the future.

    3. Merging your financial goals. Building a life together means being upfront about your financial status so that you can both work towards your money goals. Do either of you have any loans to pay off? How about properties you can monetize? Are you still contributing to your parents’ or siblings’ living expenses? What are your future goals—career, home, travel, etc.—and how can you fund them?

    When discussing your goals, it’s important to set a timeline to make each one more concrete and prioritize the more pressing ones. Your goals may change as time goes by, so make it a yearly habit to discuss and make changes to improve your quality of life now and in the future.

    4. Creating a joint budget. Having a plan in place for the future has a positive impact on planning for the present. If you have an idea of how much to set aside for savings, loan payments, and other big picture matters, you’ll be able to better budget for daily expenses like food, rent or mortgage, utilities, transportation, etc.

    Discuss how you want to fund your expenses: do you merge your income or do you set a specific amount for each one to contribute to every paycheck? Do you split everything 50/50 or only the major expenses? Everyone has different earnings, needs, and money values, and it’s up to each couple to figure what system works for them.

    5. Splitting payment responsibilities. Now that you’ve ironed out your daily budget and financial goals, it’s important to assign a point person for each type of payment. Does one person take care of the monthly billing statements while the other manages major or yearly payments? Do you take turns? Create a plan, plug it into a joint online calendar like Google Calendar, and set multiple reminders, so that nothing falls through the cracks.

    Availing of BPI AIA's Life Ready Plus is an ideal start to building a solid financial foundation for newlyweds. By ensuring lifetime coverage and financial protection for your spouse, it's no doubt a great act of love that will sustain your marriage for years to come.

    Find out more about how Life Ready Plus can help you as you embark on this great journey. With BPI AIA, you can get insured easily, even amid the COVID-19 crisis. Learn more and schedule a virtual appointment with a Bancassurance Sales Executive today.

    Live Longer, Healthier, and Better

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

    AIA Vitality

    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 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

    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 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
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    CONTACT BPI AIA

    (02) 8 528 5501

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

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