Welcome to MoneyTalk.PH

My name is Raymund Camat and I am the blogger of MoneyTalkPH.com. My mission is to spread financial literacy to Filipinos worldwide to achieve the ultimate goal of Financial Freedom. If this is your first time visiting my blog, I recommend you explore all the articles I wrote here.

I am a certified wealth and estate planner. I am affiliated with the oldest life insurance company and currently the number 1 life insurance company in the Philippines. I am licensed life insurance advisor and mutual fund representative for the company. Our company has a wide range of life insurance and investment products including the following:

  • 10 Year Limited Pay VUL Plan – a life insurance plan with investment component that could be used to finance future needs like education and retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, and hospital income benefit. This plan is payable for at least 10 years.
  • Regular Pay VUL Plan – a life insurance plan with investment that could be used for retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, critical illness benefit, female critical illness benefit and hospital income benefit.
  • 5 Year Limited Pay VUL Plan – a life insurance plan with investment that could be used to finance future expenses in education or retirement. This plan is payable in 5 years with the option to add accidental death and total disability benefit.
  • College Funding Using VUL – a life insurance plan with investment that could be used to pay future expenses in education or retirement. This plan is payable in 10 years with the option to add accidental death, dismemberment, and disablement benefits.
  • Single Pay VUL – a wise alternative for mutual fund, UITF and direct stock investing. One time big time investment that provides better return than traditional bank products
  • Term Insurance Plans – affordable pure life insurance plans for Filipinos with limited budget but want to get life insurance policy to protect the future of their families
  • Critical Insurance Term Plan – a term life insurance plan that provides lump sum amount upon diagnosis of any of the 36 illnesses covered including cancer, organ transplant, paralysis, blindness and others.
  • Whole Life Health Insurance Plan – a whole life insurance plan that covers up to 100 minor and major critical illnesses with cash benefits, dividends,  paid up bonuses, hospitalization income, home recovery benefits and more.
  • Endowment Plan with Money Back Guarantee – affordable life insurance that provides lump sum amount to your family when you die and return 50% of your total paid premium after 10 years.

Mutual Fund Investing Consultant

Make your money work harder for you! Don’t just save your money but also invest it so that it will grow over time. Invest on our award-winning mutual funds. Learn how to open an account here.

Join My Team of Successful Financial Advisors

To help more Filipinos achieve life time financial security, I am inviting more financial advocates to join my team by becoming a licensed financial advisor to the largest and first life insurance company in the Philippines. Currently, my team is composed of 30+ dynamic and energetic professionals from different backgrounds and I want you to be part of my Fierce Unit, one of the fastest growing units of our company. Read more about this opportunity here.

Non-Life Insurance Services

In order to expand my services to the Filipino public, I made myself affiliated with BPI/MS Insurance Corp. to offer non-life insurance products. BPI/MS Insurance Corp is one of the largest and most trusted non-life insurance companies in the country today. I do believe that getting insured and investing our money is as important as getting insurance for our properties like our homes and cars.  I offer fire insurance, motor car insurance and travel insurance to the public. I also offer liability insurance coverage as well as surety bonds.

Fire Insurance Services

Get fire insurance for your home, condominium, apartment, building, warehouse, plant and other properties. With optional coverage for flood, earthquake, malicious damage, theft, riot, etc. Get a quotation today, click here.

Travel Insurance Services

I also help people get their travel care insurance for Schengen and Non-Schengen countries. Schengen travel insurance is required in getting a visa to travel in the European Union member countries. Travel insurance gives you peace of mind when you travel anywhere in the world. Get your travel insurance now, click here.

Motor Car Insurance Services

Your car is one of your major purchases in your life so it is very important that you get it insured for theft, damages, and acts of nature/God. Avail our car insurance services now, click here.

Thank you again for visiting my website. Mabuhay ang Pilipino!

Importance of Emergency Fund During a Pandemic (COVID-19)

In this blog post, I discussed the importance of having an emergency fund. In this post, I want to emphasize again the importance of having an emergency fund as we all struggle to survive the current pandemic caused by covid-19 virus, a novel (new) corona virus which killed at least 5,000 people and infected more […] Read more

The Importance of Having an Emergency Fund

Whenever I do financial planning to my clients, I always discuss the importance of building an emergency fund, which is the money set aside to cover emergencies or life’s unexpected events such as unemployment, medical expenses, home repairs, natural disasters, vehicle repairs etc. The fund should easily be accessible, meaning it can be withdrawn from […] Read more

Whole Life Critical Illness Insurance Plan – 100 Critical Illnesses Covered Up To Age 100

According to a national survey, only 2 out of 10 Filipino households are well prepared financially if one family member suffer from grave illness or require expensive medical treatment. Seventy eight percent of national households are “somewhat” prepared or not totally prepared at all if one of family members get critical illness. Alarmingly, most Filipinos […] Read more

Critical Illness Claim Testimonial

The feeling you get the minute your client receives her cheque for a Critical Illness claim… PRICELESS ☺️ [Client: Pinky, can you come over to my house please. URGENT Me: Sige po, will drop by before I head home tonight Client: Sorry, I have been very sick lately. I was not able to pay last […] Read more

Benefits of Having a Life Insurance Plan with Investment

Each of us has their own dreams and goal in life. Surely one of this is to give a better future for our love ones, that’s why we are working harder. But what if suddenly we lost our job, we got sick, accident happens, do you think all your hard earned money is enough to […] Read more

Bank Vs Investment Vs Life Insurance Plan

  Consider this: 1. Turning P1,000 into P1,003 is called a BANK. 2. Turning P1,000 into P1,300 is called an INVESTMENT 3. Turning P1,000 into P100,000 is called an INSURANCE PLAN. A person no matter how capable he is in his lifetime cannot avoid two things – death & old age. When a person is […] Read more

Read this letter before you lapse your life insurance policy

You and I have similar purposes in this world. It is your job to provide food, clothing, shelter, schooling, medicine, and other things for your love ones. You do this while I lie in your safety deposit box. I have faith and trust in you. Out of your earnings will come the cost of my […] Read more

Best and Cheapest Term Insurance Plans in the Philippines

Term insurance is the cheapest and most affordable life insurance plan offered by life insurance companies. It is also called a pure life insurance because its only purpose is to insure individuals against the loss of life but today there are also plans that add coverage for disability and critical illness.  Term insurance plans are […] Read more

Travel Insurance for Schengen Visa in the Philippines

A Schengen Visa is a document issued by appropriate authorities to an interested party for visiting or traveling to and within the Schengen Area. The Schengen Area includes 26 countries that have agreed to allow free movement of their citizens within this area as a single country. Of these 26 countries bound by the Schengen […] Read more

How To Become A Sun Life Financial Advisor?

Would you like to help others manage their finances and achieve financial freedom? Would you like to help breadwinners assure a brighter future for their families? Would you like to help more Filipinos achieve a better and comfortable retirement? Would you like to touch the lives of your family, friends, relatives, Facebook friends, strangers, etc? […] Read more