Put yourself at ease by protecting those you love
We’ve always heard the saying that “health is wealth”, but how many of us are really taking that lesson to heart? Sure, we have come a long way in making people have enough food on their table instead of going to bed hungry, yet many of us remain oblivious to the fact that the adage goes beyond its usual meaning. While health is indeed wealth, financial health and security can also translate to total wellness, not just of yourself but also of your loved ones.
For example, while more people are starting to live a healthier and more active lifestyle to prolong their lifespan and the years they spend with their loved ones, some people are failing to realize that they are also exhausting their financial health with the monthly gym membership or the pricy dinner or lunch at a fancy restaurant specifically serving the health-conscious, calorie-counting segment of the population.
While there is no problem in pursuing a healthier and more active lifestyle (in fact, it is recommended), there are more affordable and efficient ways to go about it, ways that people can achieve that healthy body without taking a big toll on their bank accounts. After all, it’s also not practical to grow old and retire without having any money left in your bank account nor it’s wise to grow old sick with all your money going to medical expenses. The key to this is a balance of pursuing a healthy lifestyle while having an eye to the future for a well-secured financial wellness.
Here are some tips and advice on how to strike this balance:
How can you be wiser with your finances while pursuing a healthier and more active lifestyle? There can be two ways: cook your own food and find alternative ways to work out.
Instead of going to fancy restaurants where a bowl of salad can easily fetch over P300, why not cook your own meals at home? That way you can save more money, get to know more about healthy cooking, and be in full control of what you eat. There are millions of ways to prepare healthy food at a very low budget in the internet. Just search and cook away!
Getting to the real grind of working out is also difficult, but it doesn’t have to be expensive. A regular monthly gym membership can fetch at least P3,000, but running around your neighborhood is free. There are also free yoga and dance/Zumba classes in some communities which you can join.
So, you’re starting to save money now, but where can you put the extra money as a wise investment? Insurance is a very good investment decision. BPI AIA Life, for instance, has a wide array of insurance products suitable for everyone’s budget and goals in life.
One very good example is the Build Estate Plus, a unit-linked protection plan that can cover for your estate taxes—a tax levied on the net value of an estate you own after your death before distribution to your family or heirs—so your loved ones can feel that you lived beyond your lifetime. It takes away the possible financial burden that your loved ones can face once you pass on.
An advantage of the Build Estate Plus product is that it is integrated with AIA Vitality Program, which provides an upfront additional coverage of 20% to your policy and any attached add-ons. There is also an investment component to this insurance, which can grow over time, not only securing your and your loved ones’ financial future, but also grows your money.
It is true that health is wealth, but financial wellness is also key to total wellness in the fact that it doesn’t only secure your financial future, but it also secures your loved ones’ future once you pass on. It gives the security of knowing that you can still provide to them even after you’re gone.
Build Estate Plus provides life insurance coverage, ensuring your family continues to enjoy the wealth that you worked hard for with a life insurance benefit that they could use for estate tax. It’s also under a short-term payment scheme, on top of the investment component which provides the potential for your investment to grow.
To take the first step on living longer, healthier, and better, check out the BPI AIA offers a health program or head to a BPI branch near you and talk to a Bancassurance Sales Executive.
The Protection Solutions That Reward Your Healthy Choices
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.