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This plan is perfect for business owners seeking financial security with guaranteed payouts.
With Freedom PLUS guaranteed income plan, you don’t have to worry about steady cash flow—it’s built into the policy.
KEY-FEATURES:
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Ideal for business owners and individuals who can invest Php 28,000 - 33,000/month for the 5-year pay variant or Php 12,000 - 15,000/month for the 10-year pay variant.
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Issuable for individuals aged 0 to 45.
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Receive guaranteed payouts of Php 100,000 every 2 years starting on the 7th year with the 5-year pay variant, or on the 11th year with the 10-year pay variant.
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Policy matures at the age of 65 for the Freedom 65 and at the 20th policy year for Freedom 20.
If you’re ready to invest Php 12,000 - Php 15,000/month (10-pay) or Php 28,000 - Php 33,000/month (5-pay) and fully understand the benefits that Freedom PLUS adds to your financial portfolio, this plan is perfect for you. Qualify Now Online and secure your future with us.
And before you book a call, make sure your spouse/husband, parents, dog, and cat have read this website—so we can skip the ‘I need to ask them’ part! 😉
KEY IMPORTANT FEATURES:
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Traditional investments are unpredictable, often leaving your financial future in doubt.
As a high-income business owner or individual, you need more than just protection—you need your money to work as hard as you do.
The market’s ups and downs can wipe out years of gains in a matter of days.
And with so many investment options that promise high returns but deliver uncertainty, the pressure to make the right choice can be overwhelming. This constant uncertainty can distract you from what truly matters—growing your business and enjoying the fruits of your labor.
Comparison with Other Financial Products
Compared to other financial products, Freedom Plus stands out for its unique combination of a guaranteed income stream and life insurance benefits. While other investments might fluctuate, this plan gives you the certainty of regular payouts, making it a reliable cornerstone of your financial strategy.
Freedom PLUS & VUL
When it comes to planning your financial future, it’s important to choose the right tool for your specific goals. Freedom Plus and a Variable Universal Life (VUL) insurance plan are both valuable financial products. Here’s why Freedom Plus stands out as the ideal choice for business owners and high-income earners seeking a guaranteed, stable income stream.
FREEDOM PLUS
REGULAR VUL
But Why Freedom PLUS is a MUST Choice for High-Income Business Owners and Individuals?
Primary Purpose: Guaranteed Income & Wealth Preservation
Income Generation: Provides guaranteed payouts starting in the 7th or 11th year, continuing every other year until maturity
Insurance Coverage: Includes life insurance coverage with a death benefit of 200% of the face amount
Risk: No risk – guaranteed benefits
Pay Variants: 5 Years and 10 Years to pay - GUARANTEED
Ideal for: Business owners and high-income individuals seeking stability
Monthly Investment: Invest Php 12,000 to Php 15,000 monthly for 10 years or Php 28,000 to Php 33,000 monthly for 5 years, and enjoy a 1 Million Face Amount with guaranteed Php 100,000 payouts every two years
Primary Purpose: Investment growth potential & Wealth Preservation
Income Generation: Income potential is tied to market performance; no guaranteed payouts
Insurance Coverage: Combines life insurance with investment opportunities, death benefit varies based on investment performance
Risk: Variable risk – subject to market fluctuations
Pay Variants: Minimum *5 Years or *10 years to pay, Not Guaranteed. *Subject to account value
Ideal for: Individuals looking for investment opportunities with life insurance at an affordable rate
Monthly Investment: Budget-friendly product. Starts at Php 1,300 to Php 6,000 per month and more. Returns depend on market performance, with potential for gains or losses
It’s easy to see why one might be tempted to compare Freedom Plus with a VUL plan—they both offer life insurance coverage and the potential for financial growth. However, it’s crucial to understand that these products serve different financial goals.
A Concise Explanation of Freedom PLUS and VUL
Freedom PLUS
Freedom Plus is ideal for those who prioritize STABILITY and GUARANTEED INCOME.
This plan ensures that you receive regular, predictable payouts, making it a perfect choice if your goal is to secure a reliable income stream, especially in retirement. The low-risk nature of this plan provides peace of mind, knowing that your future income is secure, regardless of MARKET CONDITIONS.
Pros: GUARANTEED RETURNS, GUARANTEED PAYMENT TERMS, GUARANTEED PAYOUT SCHEDULE, TAX-FREE.
Cons: Expensive. Accessible only to high-income business owners and individuals.
Additional Benefits: Yearly Accumulation of Non-Guaranteed Dividends
VUL Plan is designed for those who are comfortable with market risk, and looking to preserve their wealth with variable amounts.
This plan offers the potential for returns that beat inflation, those returns are tied to the performance of the underlying investments, which means there is no guarantee. VUL is suited for individuals with a long-term investment horizon who are willing to accept the ups and downs of the market for the chance of financial growth at a cheaper monthly investment.
Pros: Affordable and flexible. Accessible to anyone. TAX-FREE.
Cons: Returns are not guaranteed, and payment terms are not guaranteed.
Additional Benefits: Guaranteed Bonuses, 5% Premium Bonus, 2% Premium Extension Bonus, and Loyalty bonus to boost your investments.
VUL PLAN
Both Freedom Plus and VUL insurance plans have their strengths, and each plays a unique role in a comprehensive financial strategy. It’s not about which one is better, but rather about understanding your financial objectives and risk tolerance. There's a solution tailored to meet your needs. Many individuals choose to incorporate both types of plans into their portfolio to balance security with growth potential.
VUL Plan is designed for those who are comfortable with market risk and are looking to preserve their wealth through investments.
This plan offers the potential for higher returns, those returns are tied to the performance of the underlying investments, which means there is no guarantee. VUL is suited for individuals with a long-term investment horizon who are willing to accept the ups and downs of the market for the chance of greater financial growth at a cheaper monthly investment.
Pros: Affordable and flexible. Accessible to anyone.
Cons: Returns are not guaranteed, payment terms are not guaranteed.
Additional Benefits: Guaranteed Bonuses, 5% Premium Bonus, 2% Premium Extension Bonus, and Loyalty bonus to boost your investments.
Freedom Plus is ideal for those who prioritize STABILITY and GUARANTEED INCOME.
This plan ensures that you receive regular, predictable payouts, making it a perfect choice if your goal is to secure a reliable income stream, especially in retirement. The low-risk nature of this plan provides peace of mind, knowing that your future income is secure, regardless of MARKET CONDITIONS.
Pros: GUARANTEED RETURNS, GUARANTEED PAYMENT TERMS, GUARANTEED PAYOUT SCHEDULE.
Cons: Expensive. Accessible only to high-income business owners and individuals.
Additional Benefits: Yearly Accumulation of Non-Guaranteed Dividends
Choose Stability Over Market Uncertainty
As a high-income business owner or individual, your financial priorities are focused on securing and preserving your wealth with confidence. You’re not just looking for life insurance—you’re seeking a solution that provides a guaranteed, stable income that aligns with your strategic financial planning.
Freedom Plus is specifically designed for those who prioritize certainty and stability.
Unlike VUL plans, which fluctuate with the market, Freedom Plus offers guaranteed income payouts that begin on the 7th or 11th year and continue every other year until maturity. This means you can count on a predictable, reliable income stream that supports your financial goals without the risks associated with market-driven products.
Guaranteed Income Matters
In the world of business and high-earning professions, the ability to predict and secure your financial future is paramount. While VULs offer investment potential, they also come with inherent risks—risks that might not align with your need for dependable income. Freedom Plus may have a higher premium, but that’s because it delivers what many other plans cannot: CERTAINTY. You invest in Freedom Plus because you value guaranteed returns over speculative gains.
The decision is always YOURS.
If your primary goal is to have protection and beat inflation through market investments, and you still have a lot of expenses to manage in your business, a VUL might be a suitable option—but it comes with the trade-off of uncertainty.
Many insurance agents are equipped to offer VUL products tailored for a broad audience, we understand that these plans serve a specific purpose. If a VUL aligns with your goals, we fully support your decision to work with another agent who specializes in that area.
BUT as a high-income business owner or individual, you think differently. You don’t settle for common solutions; you seek the BEST—EXCLUSIVE OPTIONS that are tailored to your unique needs and aspirations. You pursue excellence, ensuring that every choice you make reflects your vision for a secure and prosperous future.
If you’re seeking a financial partner who shares your values of certainty and stability, and who specializes in delivering guaranteed financial security, then choosing us is the best choice.
Working with us means aligning with professionals who are dedicated to providing a bespoke financial portfolio that reflects your commitment to a secure and confident future.
Ready to secure your financial future with certainty?
Let’s discuss how Freedom PLUS can be the cornerstone of your financial strategy.
What is really Freedom PLUS?
Freedom PLUS is not designed for quick wealth accumulation like Mutual Funds, Stocks, or UITFs. It’s for those who value preserving and protecting their wealth.
If you’re here wondering about the return rate and planning to compare it to traditional investments like stocks or mutual funds, you’re making the wrong comparison. Products like VULs, stocks, and mutual funds focus on growth, often with higher returns, but they come with significant risk. If you’re purely looking for wealth accumulation, you can explore other financial products or advisors that offer such tools. Freedom PLUS is different. It’s for business owners who already understand how to grow their wealth—our purpose is to ensure it’s protected.
But why Freedom PLUS?
Freedom PLUS is a life insurance product. It’s specifically designed to preserve your wealth while offering a possibility to outpace inflation through non-guaranteed dividends. But unlike market-dependent investments, Freedom PLUS carries zero risk. Your wealth is safeguarded in this plan, offering predictable payouts, regardless of market conditions.
Is it like a Time Deposit?
Yes, in some respects, it is. Like Time Deposits, Freedom PLUS ensures your capital is preserved. However, where Time Deposits serve as a conservative accumulation tool, Freedom PLUS is wealth protection with guaranteed payouts. Let’s break down how Time Deposits compare:
Taxation
Time Deposits are subject to 20% withholding tax on interest earned for Peso accounts and 15% for Dollar accounts. Additionally, documentary stamp tax amounts to ₱1.50 per ₱200. BPI offer *tax-free interest earnings with certain requirements.
Interest Rates
Time Deposit interest rates depend on term duration and prevailing rates. Major banks like BPI, BDO, and Security Bank offer returns ranging from 0.5% to 3.8%, while digital banks like UNO offer up to 6% per annum.
Minimum Placement Amount
Typically, the minimum placement amount for Time Deposits ranges between ₱1,000 to ₱50,000, depending on the bank.
Risk-Free Capital
Both Time Deposits and Freedom PLUS offer capital protection. However, Time Deposits are exposed to inflation, which may erode their real value over time. Freedom PLUS provides a hedge against inflation through potential dividend growth while ensuring your capital remains intact.
I have Time Deposit account for emergencies,
I don't need Freedom PLUS.
Banks allow you to withdraw your funds from a Time Deposit during emergencies, but pre-termination penalties apply if withdrawn before maturity. This makes Time Deposits less than ideal for urgent liquidity needs. Relying on them for emergencies means sacrificing the very returns you’re aiming to gain.
On the other hand, Freedom PLUS offers liquidity through policy loans without penalties or forfeited returns. In an emergency, your wealth is protected, while you can still access the funds when needed.
Wealth Accumulation vs. Wealth Preservation
Financial tools like Stocks, Mutual Funds, Real Estate, UITFs, Time Deposits, Bonds, and Pag-ibig MP2 are focused on growing wealth. But in the event of a life-threatening emergency, life insurance is the most reliable tool for protection—not these accumulation assets.
Conversely, do not consider your life insurance plan as an accumulation product. Freedom PLUS is your wealth-preservation vehicle, built to protect your legacy without market risk or volatility.
If your financial goals revolve around growth, then accumulation products may be better suited for you. But if your priority is preserving and protecting your wealth from life’s uncertainties, Freedom PLUS is your best option.
WHY WORK WITH US?
We work exclusively with business owners who value financial protection and who understand that wealth without preservation is vulnerable. Our clients know that premium service comes with a price, and they are ready to invest in top-tier life insurance solutions.
• We specialize in pure whole life insurance plans, designed for those who care about securing their wealth.
• Our minimum premium starts at ₱28,000 per month or ₱300,000 annually for a 5-years pay plan. We work with clients who understand that exclusive protection products come with premium investments.
If you’re looking to grow wealth aggressively, there are other financial products available for that purpose. But if you’re serious about protecting your wealth, Freedom PLUS offers a sophisticated solution.
We invite you to schedule an online application with us if you’re ready to make this commitment.
Life is unpredictable, and sometimes your financial situation might change.
Freedom PLUS offers several non-forfeiture options to ensure that your policy remains valuable even if you can’t continue with regular premium payments.
Non-Forfeiture Benefits:
Cash Surrender Value
If you decide to stop your policy, you can receive the total guaranteed cash surrender value plus any accumulated dividends, minus any outstanding loans. This option allows you to access the value you’ve built up over the years and losing your life insurance coverage.
Reduced Paid-Up
If you can no longer afford the premiums but want to keep the policy active, you can switch to a reduced paid-up policy. This allows your coverage to continue at a lower face amount, without the need for further payments.
Premium Loan
Should you miss a premium payment, you can use the accumulated dividends and guaranteed cash value to cover the premium through a loan. Your policy remains active as long as the loan does not exceed the guaranteed cash value.
See How Freedom PLUS Works for You
Freedom PLUS – 5 Years to Pay
If you’re a 45-year-old looking to secure your financial future with guaranteed income and protection, the Freedom Plus plan offers you the following benefits: Click Each Image
But wait there's more!
The Earlier You Start, the More You Gain!
Imagine securing a financial future where your income is not just predictable but guaranteed—starting from as early as age 32!
With Freedom Plus, you have the power to start building a stable, reliable income stream that grows with time. Whether you’re 25, 35, or 45, the benefits of starting early are clear: MORE PAYOUTS, MORE SECURITY, and MORE PEACE OF MIND.
HERE WHAT MAKES THIS PLAN MORE COMPELLING
You don’t need to be the insured to benefit from this plan. If you have children, you can insure them under this plan while you remain the policy owner. This way, you and your family can enjoy significant payouts while securing a stable financial future. Whether for educational funds, travel funds, or business funds, you decide what future you want to give to your kin.
The Benefits of Starting Early
Maximize Your Payouts
The earlier you secure this plan, the more payouts you will receive. A 25-year-old can begin receiving Php 100,000 payouts every 2 years starting at age 32, accumulating far more over their lifetime compared to starting at age 45.
Example
Insure your child at age 5, and they’ll start receiving payouts by age 12, ensuring early financial benefits and long-term security.
I only work with high-income business owners and individuals who take immediate action based on the rich, detailed information provided. If you’ve read through and believe in this strategy, don’t delay—your wealth deserves to be protected.
Apply Now Online if you’re ready to commit to securing your future with Freedom PLUS.
GUARANTEED PAYOUTS
You won’t need to stress about where to find the money for your future expenses—starting on the 7th or 11th policy year (depending on your payment plan), Php 100,000 will be automatically credited to your account every two years. That’s a steady and reliable cash flow, so you never have to worry about where to find the funds when you need it, either for Educational expenses and miscellaneous, medical emergencies, or travel expenses, IT IS GUARANTEED READY FOR YOU. If you prefer, you can even reinvest these payouts at a non-guaranteed interest rate (2% - 3%), allowing them to grow without affecting your principal. And no matter what, your principal payout stays secure, even if market conditions change. Plus, the flexibility to withdraw funds anytime ensures you’ll always have access to cash.
NON-GUARANTEED DIVIDENDS
Tired of wondering if your investments are doing enough? With this plan, you don’t need to worry about missed opportunities for growth. In addition to the guaranteed payouts, your policy may generate non-guaranteed dividends based on the company's performance, adding even more value to your plan. It’s like having a financial safety net that doesn’t just protect your money—it lets it grow. These dividends can give you even more than you’ve invested, without having to hunt for other investment opportunities. Always remember that insurance plan is a wealth preservation financial product, not accumulation.
ULTIMATE SECURITY
You shouldn’t have to lose sleep over whether you’re saving enough or protecting your financial future. This plan takes that concern off your plate with a maturity benefit. You’ll not only secure your future but the possibility to GAIN MORE THAN YOU'VE PUT IN, giving you the peace of mind that your wealth will continue to grow without extra effort.
Still Scrolling?
Let us give you the certainty you need—here’s why your money is secure with us
Formula To Compute Your Freedom PLUS Guaranteed Payouts:
Step 1: 65 - 7 = 58
Step 2: 58 - (Insured’s Current Age) = X
Step 3: X / 2 = Total Number of Guaranteed Payouts
For example, if you decide to SECURE YOUR NEWBORN CHILD with Freedom PLUS, here’s how the formula plays out:
Step 1: 65 - 7 = 58
Step 2: 58 - 0 = 58
Step 3: 58 / 2 = 29
That’s 29 Guaranteed Income Payouts (10% of the Face Amount) starting from age 7 until age 64, plus the 100% MATURITY PAYOUT AT AGE 65. Imagine the stability this brings to your child’s financial future—protection, security, and guaranteed income every step of the way.
This is for the Freedom PLUS 65, 5-pay variant.
What About Shorter Terms Like Freedom PLUS 20, 5-pay?
For Freedom PLUS 20, the number of payouts is always 7.
You receive guaranteed 10% payouts starting in the 7th policy year, ending in the 19th policy year, and the full 100% Face Amount payout at the 20th year, marking the completion of the plan.
Ready to Secure Your Future?
If you’re ready to invest Php 33,000/month for 5 years, Apply Now Online and join our exclusive clients who are already preserving and growing their wealth with Freedom PLUS.
Want More Coverage To Receive Bigger Payout?
If you’re seeking bigger guaranteed payouts, it’s simple. For example:
• For 2M Face Amount, multiply Php 33,000 by 2, giving you Php 66,000/month for the premium investment.
• For 3M Face Amount, multiply it by 3, and so on.
Remember, the more you invest, the more secure and guaranteed your financial future becomes.
No Need for Generic Quotes.
All the information you need to make a confident, informed decision is right here. I don’t provide generic quotes, as I believe in equipping fully informed clients to act decisively.
Quotes without understanding the value and exclusivity of this product mean nothing.
If you’re reading this, you already understand that Freedom PLUS is a premium wealth preservation tool designed for those who value protection and certainty.
Freedom Plus offers a solution designed specifically for individuals like you.
With this plan, you can lock in a stable, guaranteed income stream that starts just when you need it, either on the 7th or 11th year of your policy, and continues every other year until maturity. This means you can focus on your business, knowing your future income is secure, regardless of market fluctuations.
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Who is this service for?Our services are designed for business owners generating $50,000+ in monthly revenue who are serious about scaling. If you’re looking to break through growth plateaus and scale from five to six or even seven figures, we provide the strategic marketing solutions to get you there. We work best with businesses that are ready to invest in long-term growth.
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How involved do I need to be in the process?We handle all the heavy lifting so you can focus on running your business. While some input is required in the initial phases, our goal is to take marketing off your plate and implement proven ad strategies that work independently. You’ll stay updated with reports and insights, but you won’t have to micromanage campaigns.
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What is the minimum ad budget required for results?To achieve meaningful results, we recommend a minimum ad spend of $100 per day per platform (such as Facebook or Google Ads). Lower budgets tend to limit campaign effectiveness. Note: This budget applies only to ad spend. Our service fee is a separate investment that represents a portion of the revenue you’ll generate by working with us.
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Can’t I just run ads myself or have my in-house team handle it?Yes, you can. But the real question is: Are you getting the highest return on investment (ROI)? Many businesses waste money on ads because they lack a data-driven strategy. We specialize in fixing inefficiencies, optimizing ad spend, and leveraging advanced scaling techniques that most in-house teams overlook. We don’t replace what works—we identify and improve what’s not working to drive exponential growth.
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What makes your digital marketing strategy different?Most businesses fail to scale because they focus on short-term tactics instead of long-term, scalable solutions. Our approach digs deep into customer psychology, ad funnel optimization, and revenue-focused marketing, ensuring you don’t just get leads—you get high-converting leads that turn into customers. We analyze gaps in your current strategy before launching anything. We focus on profit-driven campaigns, not just traffic or clicks. 🔹 We constantly optimize and scale based on real-time data.
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I don’t think I have the budget for this right now. What should I do?If your business isn’t generating at least $50,000 per month and you're not ready to spend a minimum ad spend of $100/day, you might not be ready to scale yet—and that’s okay. But consider this: If your current strategy isn’t growing your revenue, staying where you are may be costing you more in lost opportunities. We specialize in helping businesses scale from five figures to multiple seven or eight-figure. When you’re ready to make that leap, we’ll be here.
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How long does it take to see results?Results depend on your business model, competition, and market conditions. Our methodology is built on proven marketing principles that prioritize data-driven optimization over guesswork. Unlike agencies that rely on outdated tactics or one-size-fits-all strategies, we focus on feeding high-quality data into your ad account and pixel from the start. The more refined the inputs, the smarter and more effective your campaigns become over time—leading to better-quality leads and higher conversion rates. Scaling is a process, not an event. While some businesses see improvements in weeks, true, sustainable growth comes from continuously refining campaigns based on real user behavior. Our strategy ensures that every dollar you invest contributes to long-term, compounding success.
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Why should I trust your company?Trust is earned, not given. We don’t expect you to just take our word for it. We’re here to solve the challenges your business is facing, not just to provide a cookie-cutter solution. When you partner with us, our results will speak for themselves. We only work with clients who are serious about scaling and addressing their biggest problems—because we’re not interested in anything less than success.
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How can paid advertising help scale my [eCommerce/Professional Service Business]?Paid advertising is one of the most effective ways to scale businesses in highly competitive industries like eCommerce, and Professional Services. Our team creates custom strategies based on: eCommerce Growth: Optimizing your cost per purchase (CPP) and increasing lifetime customer value (LTV). Professional Service: Generating qualified leads and high-ticket conversions. By tailoring ads to your industry-specific challenges, we maximize your ad spend efficiency and ROI.
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What is the best digital marketing strategy for local businesses?For local businesses, the most effective strategy combines: ✅ Geo-targeted advertising (Google & Facebook Ads targeting your local area) ✅ Search engine optimization (SEO) for local search results ✅ Conversion-optimized landing pages Our expertise in local business marketing ensures your ads reach ready-to-buy customers in your specific area.
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How do I improve my cost per lead (CPL) and maximize my ad spend?If you’re spending money on ads but not seeing good returns, your CPL is too high. We fix this by: Eliminating wasted ad spend on low-quality traffic Improving audience targeting based on purchase intent Optimizing ad creatives for higher engagement and conversions Building high-converting sales funnels that nurture leads into customers Lowering CPL and increasing ROI is at the core of our marketing strategy.
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How do I know if this partnership is right for my business?If you meet the following criteria, we’re a great fit: ✅ Your business generates $50,000+ in monthly revenue ✅ You are willing to invest at least $100/day in ads ✅ You are serious about scaling from five to seven or eight figures If this sounds like you, let’s discuss how we can take your business to the next level.
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What payment methods do you accept?We accept PayPal and Wire Transfers.
Your Money is Never Wasted—It’s Growing
Forget about the uncertainty of where your future finances will come from. By committing to your premiums, you’re ensuring a consistent and guaranteed cash flow. This plan works for you automatically, providing payouts every two years, so you’ll never need to worry about sourcing funds when they’re needed most. At age 65, you’ll receive a significant maturity benefit, reinforcing your financial security. Plus, the added potential of non-guaranteed dividends further increases your returns, allowing your investment to grow even more—all without any extra effort on your part.
STOP WAITING & PRESERVE YOUR WEALTH NOW!
Insurance isn’t just about money—it’s about your health. You’re not just buying a policy; you’re buying it while you’re still healthy. If you can invest Php 12,000 - Php 15,000/month (10-pay) or Php 28,000 - Php 33,000/month (5-pay), this plan is perfect for you. Don’t wait—your health won’t!
An Exclusive Offer for Business Owners
As a high-income business owner, you’re constantly looking for ways to protect your wealth and grow your business. That’s why when you secure your future with Freedom PLUS, I’m offering something exclusive: complimentary access to JPBooster, a marketing powerhouse that most business owners use to take their businesses to the next level.
GET THIS OFFER FOR YOUR BUSINESS GROWTH
If you subscribe to JPBooster directly, you’ll typically pay between Php 6,000 (Starter Plan) to Php 16,000 (Unlimited Plan) monthly. However, by choosing Freedom PLUS through me, you get this invaluable tool for free—no additional cost to you. It’s my way of ensuring you get more than just premium health protection, but also a tool that helps boost your business effortlessly.
Why JPBooster Matters to Your Business
JPBooster is designed to streamline and scale your business by offering powerful features, such as:
• Lead Generation & Pipeline Management: Capture, nurture, and convert more leads.
• Website & Funnel Builder: Create professional websites and landing pages with ease.
• Email & SMS Marketing Automation: Engage with clients through automated communication.
• Social Media Posting: Manage and schedule posts to maintain your online presence.
• Google Reviews Management: Improve credibility and customer trust with automated review requests.
All of these tools come together to help you grow your business—faster, smarter, and with less hassle.
Why This Offer is Unbeatable
With JPBooster, you’re looking at a monthly subscription cost of Php 6,000 to Php 16,000 depending on the plan. But by securing your Freedom PLUS policy with me, you get it at no additional cost. It’s more than just health coverage; it’s an investment in both your personal protection and business growth. Plus, I’ll provide PERSONAL COACHING to help you master the software and fully integrate it into your business strategy.
Take Action Now: Secure Your Future & Scale Your Business
Don’t wait—this exclusive offer is tailored for high-income business owners who want more than just insurance. By applying for Freedom PLUS, you’ll receive free access to the JPBooster marketing software that will give your business a competitive edge. It’s time to protect your future and grow your business simultaneously.
Who Is This For?
Freedom PLUS is tailored for high-income business owners and individuals who:
• Issuable to ages 0 - 45 years old. (If you are 46 or older and still seek exclusive and premium benefits, don’t worry—just let me know, and I have similar product works like Freedom PLUS.)
• Are ready to invest Php 28,000 - Php 33,000/month for 5 years for 1M coverage.
• Are ready to invest Php 12,000 - Php 15,000/month for 10 years for 1M coverage.
• Have the financial capacity to invest Php 50,000+/month for larger coverage, to secure higher guaranteed payouts.
• Understand that premium and exclusive benefits come with an equally premium investment.
• Value wealth preservation and recognize that Freedom PLUS is designed to protect rather than grow wealth, complementing rather than replacing wealth accumulation tools.
Who Is This Not For?
Freedom PLUS may not be the right fit for:
• Not issuable for ages 46 and beyond, and doesn't seek exclusive and premium insurance benefits.
• Business owners or individuals unable to invest Php 28,000 - Php 33,000/month for 5 years.
• Business owners or individuals unable to invest Php 12,000 - Php 15,000/month for 10 years.
• People seeking a product primarily to grow their money, as Freedom PLUS is focused on preservation.
• Individuals who are not looking for premium and exclusive insurance benefits, or who prioritize affordability over long-term security.
solutions@jonhprilbacus.com
09499865896
Cebu City, Philippines
© 2025 by Jonh Pril Bacus. All right reserved.
Pag-IBIG MP2 & Freedom PLUS
While Pag-IBIG MP2 and Freedom PLUS may appear to serve similar financial goals, the truth is, these two financial products serve distinct purposes that complement each other rather than compete. Let’s explore how each product aligns with your financial goals and why they work better together than as standalone options.
Pag-IBIG MP2: A Conservative Wealth Accumulation Tool
This is one of the best available options for a low-risk way to grow your money and protect your capital. With an interest rate of 7% over the past few years, Pag-IBIG MP2 offers stability and consistent returns for the conservative investor. It allows you to:
• Contribute monthly and benefit from the compounding effect over a 5-year lock-in period. (You cannot do this in a Time Deposit account)
• Enjoy tax advantages like tax-deferred growth & tax-free payout/withdrawal upon maturity.
• Compare favorably to time deposits, with higher interest rates and similar safety.
However, Pag-IBIG MP2 serves as a wealth accumulation tool, not a protection plan. While it’s a great way to grow your savings, its limitations include:
• Limited liquidity: Your funds are locked in for 5 years, making it difficult to access in case of an emergency.
• No insurance coverage: Unlike life insurance plans, it offers no financial protection for you or your loved ones if something unforeseen happens. Whatever amount you’ve placed in MP2 is what you’ll get back early in case of emergency withdrawals, with no additional protection like accident or health coverage.
Freedom PLUS: A Wealth Preservation Tool with Protection
On the other hand, Freedom PLUS is designed to preserve your wealth while also providing life insurance and accident protection. This ensures your financial legacy remains intact for your family, even if life throws unexpected challenges your way. Here’s how Freedom PLUS stands out:
• Guaranteed payouts: Every two years, you’ll receive 10% of your face amount in guaranteed payouts, providing a steady stream of income, starting from the 7th or 11th policy year (depending on the variant).
• Life coverage: Your wealth is protected against life-threatening events, ensuring that your family receives 200% of the face amount in case of unforeseen circumstances.
• Non-guaranteed dividends: While not the primary purpose, Freedom PLUS offers potential for modest growth through non-guaranteed dividends, which can be reinvested to complement your wealth accumulation strategy.
Benefits of Investing in Both Pag-IBIG MP2 and Freedom PLUS if you're a 45-year-old client.
By investing ₱30,000/month in both Pag-IBIG MP2 and Freedom PLUS, you can maximize both growth and protection in your financial portfolio. Here’s how:
1. Compounded Growth with Pag-IBIG MP2
• Pag-IBIG MP2’s 7% guaranteed interest rate results in ₱2,142,000 over 5 years from a ₱30,000/month contribution.
• This tool is ideal for conservative wealth accumulation with zero risk, giving you tax-free dividends upon maturity.
2. Wealth Preservation & Protection with Freedom PLUS
• Freedom PLUS offers ₱100,000 guaranteed payouts every two years, starting from the 7th year. This gives you predictable income while your investment grows.
• In the event of death or an accident, your beneficiaries receive ₱2,000,000—200% of your face amount +₱1,000,000 if demise is through accident —ensuring your family’s financial security.
• Access to non-guaranteed dividends and policy loans provides you with liquidity and flexibility, even before maturity.
Both Pag-IBIG MP2 and Freedom PLUS provide tax-free returns, ensuring you keep the full benefits of your investment.
"I rather get MP2 because it's affordable and flexible" Clarifying the Purpose of Pag-IBIG MP2 and Freedom PLUS
Many people misunderstood how Pag-IBIG MP2 works, thinking that if they invest small monthly amounts, like Php 500, they’ll have access to larger sums in the early months of contributing. This is not the case. If you contribute Php 500 monthly for 3 months, you’ll only have access to the total amount saved—Php 1,500—plus the interest earned. You can’t withdraw the future value (like the full 5-year amount) until it matures. Essentially, you can only access what you’ve already contributed.
On the other hand, Freedom PLUS (and other insurance plans) works differently. When you purchase insurance, you’re essentially buying future money that you don’t have yet. From the moment you start paying your premiums—whether monthly or annually—you’re already covered for the full face amount. Even after just a few months of paying premiums, you’re fully covered. Think of the peace of mind this brings—knowing that no matter what happens, your family and your hard-earned wealth are protected. With Freedom PLUS, your legacy is secure from day one.
Insurance is unique because it allows you to protect and secure a future sum, even if you haven’t paid the entire amount. In contrast, with savings products like Pag-IBIG MP2, you need to save over time, and you can only access what you’ve contributed up to that point.
My Freedom PLUS is tailored specifically for high-income business owners and individuals who can comfortably invest a monthly premium of Php 33,000 or an annual premium of Php 300,000. If you’re currently looking for more affordable insurance options, I may not be the best fit for your needs. My services are focused on providing exclusive and premium benefits for clients who value superior financial protection and are ready to invest at a higher level.
“If I complete the 5-year pay plan for Freedom PLUS, I’ll have paid Php 1.8M, but I’ll only receive Php 1M in maturity plus Php 700,000 in guaranteed payouts and non-guaranteed dividends. If I invest this all in Pag-IBIG MP2, I’ll be richer.”
This is a common concern when comparing wealth preservation tools like Freedom PLUS and wealth accumulation products like Pag-IBIG MP2. The core of this objection comes from a misunderstanding of the purpose of these two financial products. Pag-IBIG MP2 is designed to grow your wealth, while Freedom PLUS is designed to preserve and protect it.
Pag-IBIG MP2 is designed for wealth accumulation, offering a fixed 7% interest rate annually, ideal for growing savings over time. However, it lacks the protection and guaranteed financial stability that Freedom PLUS provides.
With Freedom PLUS, you’re not just paying for potential gains—you’re securing your future with guaranteed payouts and life protection:
• Life Insurance: If something happens to you, your family receives a Php 2M death benefit. This level of protection is unavailable with Pag-IBIG MP2.
• Guaranteed Cash Payouts: Throughout the policy, you will receive Php 700,000 in guaranteed payouts, providing steady, predictable income even if the markets fluctuate.
• Non-Guaranteed Dividends: On top of the payouts, Freedom PLUS also offers potential dividends that can further grow your wealth. Although these dividends are not guaranteed, they provide an opportunity for growth similar to what Pag-IBIG MP2 offers, but with the added layer of life insurance protection.
You Don’t “Lose” Money with Freedom PLUS
A common misconception is that you might “lose” money with Freedom PLUS if nothing happens. However, Freedom PLUS is not about whether or not something happens—it’s about preserving your wealth:
• You’ve been protected for years against major life events. This is protection that Pag-IBIG MP2 cannot offer.
• You receive guaranteed payouts every 2 years, helping keep your finances stable. Even if the non-guaranteed dividends aren’t as high as MP2’s 7%, they still offer additional growth potential without sacrificing protection.
The right financial products to the right financial goals
Getting MP2 for protection is simply not the right approach, and using insurance purely for wealth accumulation is equally flawed. These products have specific purposes, and misinterpreting them leads to decisions that could hurt your financial future.
• MP2 is great for growth, but it won’t provide for your family if something happens to you.
• Freedom PLUS offers the protection you need, while still providing guaranteed payouts—serving as a financial safety net.
We must address this issue with transparency, ensuring people understand the importance of using the right tools for the right purpose. Don’t let yourself fall into the trap of thinking that MP2 can protect your family or that Freedom PLUS can replace high-growth investments. These tools work together, not against each other, and knowing the difference will improve your financial literacy and ability to make informed decisions.
If your goal is to grow wealth, products like Pag-IBIG MP2 are the right fit. But if you want to preserve and protect your wealth, Freedom PLUS is what you need. Don’t interchange their purposes—make sure you’re using each financial tool the right way. By doing so, you can build a holistic financial strategy that balances growth and protection.
Why Combining Freedom PLUS and Pag-IBIG MP2 is Smart
Instead of choosing one over the other, consider how they complement each other. By investing in both:
• Pag-IBIG MP2 grows your wealth through guaranteed interest—perfect for long-term savings.
• Freedom PLUS ensures your wealth is preserved while providing life insurance protection and guaranteed payouts—offering peace of mind for your family and your business.
Each product serves its purpose: MP2 for growth, Freedom PLUS for protection. Together, they give you financial flexibility to handle both wealth accumulation and preservation.
Maximize Your Financial Strategy
If you want more guaranteed payouts, starting earlier or insuring your children can help. A younger insured person will allow you to maximize future payouts and create long-term financial stability.