Monday, August 11, 2014

7 Perks of a Pru Life UK Financial Consultant

In my 2 months (update: now 3 years and counting!) of being a Financial Consultant under Pru Life UK, I am already resolved that this is one of the best jobs in the world. Five years ago before this stint, I have been doing Marketing. I love being a marketer and I’ll always be a marketer. In fact, my being a marketer made more sense to me when I became a Financial Consultant.

For the many times I have been asked by my friends what exactly I am doing now, I am writing this blog post to give them a general idea of the kind of perks I am enjoying. Towards the end of this blog post, I also enumerated the things needed to be done in order to get those perks. One thing’s for sure. All the hard work is worth it in exchange for all the rewards in store for a dedicated and passionate Financial Consultant. I may be just around 2 months in Pru but I already have had the taste of some of the rewards and every single day I find myself excited for what’s more in store for me.

Isn’t this the kind of feeling we all wanted towards our career?

How I suddenly shifted from being a marketer to becoming a Financial Consultant? I’ll be talking about it in a separate blog post soon. For now, allow me to introduce to you my job with the hope that this list will be able to convince you to become a part of our growing team in Pru Life UK.

1. Time freedom

I never thought that time freedom is that important for me. Before, all I know is that I just like this perk because I can’t be boxed in a 9-5 regular employee schedule. But when I met my Unit Manager, Ms. Lanie Robles, who back then was still a single mom and had to take care of a daughter who is special, I realized that time freedom is actually a minimum requirement for some people. To a single guy like me, this may look like just one of those additional perks. But for some, like in the case of single parents like my Unit Manager, time freedom is a must.

2. Location freedom
Yours truly during the 2016 Pru Life UK Day Awards.
It's the Achiever's Club Qualifying Member Award!

With location freedom, I meant that Financial Consultants have a say every single day on where they want to work. They can meet their clients at the their offices or in a café of their choice. Taking again the life of my Unit Manager as an example, I don’t know how her daughter can get daily therapy sessions if she’s stuck in an office and can’t just leave its premises anytime. For a single guy like me, of course, this perk is also a great one. This means I have the freedom to relax in a café or do some errands at the mall in between meetings.

3. Unlimited income opportunity

Unlimited income opportunity means there is no limit as to how much you can earn. Only you are the one who can dictate how much you want to receive per week. (Pru deposits commissions to its agents' bank accounts on a weekly basis.) Of course, this income, just like any other kind of income, can't just be earned overnight. But I can say that Pru is one of the most generous insurance companies when it comes to the commission rates for its agents.

4. Local and international travels

At first, I wasn’t the most enthusiastic agent about the travel perks in Pru. But as I go on with the business, I have come to realize that traveling can actually help me. Traveling to different places all around the world gives you the impression of becoming successful - someone who have "arrived". And to become successful in this business, we are highly encouraged to project that kind of image to our clients. Our photos at famous places such as the Big Ben, Eiffel Tower and Leaning Tower of Pisa can become proofs of success that we can use to build credibility towards our clients and also to encourage others to become Financial Consultants like us.

5. Awards and recognition

I am resolved. If you are achievement-driven, competitive and passionate, you are meant to be in sales. The battle arena is made for you. Competition excites you. The idea of winning drives you. You know you are a star. And you know very well that stars are made to shine. You just can’t be limited with 9-5 desk jobs with fixed paychecks (nothing against this though). But you have a thirst for adventure. And you have potentials that remain untapped. If this is who you are, yes, you are made for sales. And the best sales job is, for me, that of a Financial Consultant. Be one of us. :)

6. Mission and commission
With my two direct recruits during the 2016 Pru Life UK Day Awards.
We are all awardees during that day. If you join my team, you will join a team
of winners. Let's go!


You have always wanted to make a change in this world. But what stops you from pursuing this is the belief that jobs that fall into this category don’t usually pay well. But this is not always the case. Being a Financial Consultant allows you to do both - making a difference while earning money. First, by becoming a financial consultant itself means that you can add value to your clients’ lives by giving them sound financial advice. Second, you can eventually become an important part of your clients' lives when you “service” them. This includes delivering the guaranteed amounts to them whenever they are qualified to receive one. They become qualified to receive an amount if they get sick, disabled or, God forbid, when they die. That is what insurance is all about. It is supplication for the insured and for his family. Third and last, it is always said that during a wake, people may bring flowers to the bereaved family but only a Financial Consultant brings the beacon of hope that will allow the family to begin a new life again.

7. Monthly promos

When I was still being invited to join Pru, I never thought that on top of the perks enumerated during the BYB Meeting that I attended, there are more promos being launched on a monthly basis to influence the behavior of the agents. Did you know that during the month of December in 2014, I won cash prize of P100,000 from a raffle promo for those who have sales during that month? That's just one of the many monthly incentives from Pru Life UK!

Ready to take the challenge? Send your updated CV using the format below.

To: plukmarkdelgado at gmail dot com
Subject: Application for Pru Life UK Financial Consultant Post
Body: Please tell me why you want to become a Pru Life UK Financial Consultant.

Wednesday, July 23, 2014

3 Important Things I Learned From Build Your Business Events by Pru Life UK

My very own Unit Manager, Ms. Lani Robles (second from left), as she
shares her own experiences as a financial consultant to the other aspiring
financial consultants during the last BYB Event at Intercontinental
Hotel in Makati City on July 21, 2014
I am only about 2 months old as a financial consultant in Pru Life UK but I have already discovered the 3
important lessons that recur every time I attend Pru Life UK's Build Your Business (BYB) events. It's amazing how the message of the whole event remains consistent every week without sacrificing the "freshness" of the ideas being presented in order to fit the weekly target audience. Kudos to the team that holds the regular BYB meetings! Below are the 3 things I learned from the event.

1. Anyone can become a successful financial consultant.

From fresh grads to young professionals seeking fulfillment in their work, from executives earning 6-digit paychecks per month to entrepreneurs drowning in debt, there is one big message that the BYB event has for all its attendees -- anyone can become a successful financial consultant. During my first day of training as a rookie, I have heard about the story of a former "kargador" who became a successful financial consultant. It was said that he underwent the same training we all underwent and took the same exam we all took. The only difference is that he failed in the exam thrice. During the fourth attempt, he was able to finally make it. The former "kargador" is now a successful Unit Manager in Pru Life UK.

What, now, is your excuse?

2. The rewards for being a successful financial consultant are unmatched.

I used to work for a large multinational company that pioneered one of the early models of multilevel marketing. Companies in this industry are known for their unlimited earning opportunities and generous incentive trips. But when I discovered about the rewards in Pru Life UK, my jaw dropped. Below is the list of some of the rewards a financial consultant may enjoy in Pru Life UK.
  • Weekly commissions
  • Overrides from recruits' commissions
  • 6-8 international travel opportunities
  • Opportunity to be published in major broadsheets
Let it be known that these are just some of the rewards being given at the corporate level. This means that your branch and unit may have a separate reward system for you. I tell you, this is just the tip of the iceberg.

3. Financial consultancy is not just about selling insurance policies. It's about changing lives.

More than the extrinsic rewards of being a financial consultant, the intrinsic rewards also abound. There is a recurring statement that all successful financial consultants say as they are being interviewed during BYB events -- financial consultancy is about changing lives.

As a financial consultant, you do not only change the lives of your clients and fellow teammates. Your own life also changes as you go along. It was said that others may bring flowers to the bereaved family during the death of a loved one but a financial consultant is the bringer of hope to help the family start a new life again.

As a financial consultant, you may also have the chance to change the lives of your teammates and recruits as you share to them the rewards of the job.

Underlying all these opportunities is the opportunity for your life to be changed in the process as well. In my first few weeks as rookie agent, I learned how to dream again; develop patience and hard work; and seek a new heart that longs to be of service to other people.

I am definitely looking forward to attend more BYB events in the future.

If you are interested to become a financial consultant and/or attend a BYB event, contact me via 0998-367-0545.

8 Things You Need To Consider Before Getting Your Insurance Policy

1. Know that this policy is not only for you but also for the people you love.

One of the primary goals of an insurance policy is to protect the income of the insured. The income of a regular employee usually depletes or totally stops in times of death, disability or disease. When the income of a regular employee depletes or totally stops, the lives of the people around him are affected too. This is what insurance is for. It seeks to assist you and your family in times of great need.

2. We can't choose when should death, disease and disability strike us. But we can choose to be prepared when they come. 

We cannot choose when to die, get sick or become disabled. These things happen even to the healthiest people we know. Instead of ignoring this reality, why don't we choose to find ways to minimize their effects by being financially prepared and protected? Insurance policies have guaranteed ways to provide for you when these events come.

3. If you get critically sick or disabled, the same policy can never be offered to you. Worse, you may never be able to get any insurance policy at all.

Some clients delay getting insurance policies with the thought that they can get it anytime they want. But this is not true. When you get critically sick or disabled, it will be more difficult for you to get a policy. Worse, you may never be able to get one at all for the rest of your life.

4. If you get the policy at a much later time, the higher fees you'll need to pay. Invest while you are still young.

Before investing on anything else, invest on protection first.

Credits: www.financialplanninginfoguide.com
The younger you are, the lower the cost of premium that you'll need to pay. This is because there is less risk for younger people. The best time get an insurance policy is now.

5. Invest on protection first before you invest on properties.

Have you heard about the Pyramid of Investment? Any financial planner will tell you that before you invest on properties, you must invest on protection first. Protection comes in the form of insurance policies.

6. If you dream of sending your children (or godchildren, nephews or nieces) to big colleges and universities, know that a few years from now the tuition fees for 4-year courses will start to reach millions of pesos. You know you can't just settle for less for your children.

Education is said to be the greatest inheritance that parents can pass on to their children. In the Philippines, parents will do anything just to send their children to the best schools. The best time to prepare for that time is while you are still single. You don't have to wait until your married life to invest for your children's education.

To get a more detailed projection of the tuition fees of various colleges and universities in the Philippines, please contact me via 0917-838-7545.

7. Remind yourself that retirement age in the Philippines is 60 years old. While it is a blessing to live beyond this age, it also requires financial preparation. 

We all want to live long. But while living long is considered as a blessing, this also entails financial obligation. With old age comes our inability to work and provide for ourselves. Most of us will become reliant on our children (or nephews or nieces) when that time comes. Is there a way to change this pattern? By preparing early for your retirement, you can have the assurance that you can live long with grace.

8. If you are saving money for your big dreams (e.g. house, car, travel and etc.), let it be known that hoarding your money can only get you so far. Investing your money for a much greater return is the better way to go.

People save for their big dreams. This is why they need to save for a very long time. What if there is a way for you to grow your money at a much shorter time? Insurance policies with investment components can help you do just that.

I am a licensed Financial Consultant who has the mission of protecting the income of the Filipino family. Let me know how can I be of help to you. Contact me via 0998-367-0545.

Wednesday, July 16, 2014

5 Reasons Why You Should Get An Insurance Policy Now

1. You can't just have an insurance policy anytime you want. Death, disability and diseases waits for no one.


Forgive your insurance agent if he is too determined to offer an insurance policy to you. He is not just after the sale (though this one of the motivations of the job). He is in competition with 3 enemies - death, disability and diseases. When any of these enemies gets you (God forbid), your insurance agent won't be able to offer the same policy to you anymore. These 3 enemies are exactly what your insurance agent is protecting you and your loved ones from. Sure he can't prevent these enemies from coming after you, but at least he can do something to lessen the disastrous effects it can bring to you and to the people who loves you.

So if your insurance agent is too determined to offer the policy to you, thank him. He is just after your welfare. Instead of ignoring his calls and seen-zoning him on Facebook, talk to him how he can help you make the policy fit your current budget and future needs. Communication is the key. You know this full well.

2. Tuition fees are expected to increase exponentially in the next few years. You can't just say sorry to your children if they turned out to be brilliant but you don't have the money to send them to the best schools in the land.

In the next few years, the projected total tuition fees of selected Philippine colleges and universities for a 4-year course will reach millions of pesos. (If you want to see the figures, call me now via 0917-838-7545 and let's talk.) If you plan to have your own family someday or maybe just support the education of your nephews and nieces in the future, you might wanna include the projections in your planning of your long-term goals.

3. Good investors begin with protection not properties.

I have a few friends who take pride in calling themselves "investors" because they bought condominium units and cars as "investments". But a good financial planner will tell you that any good investment begins with protection in the form of insurance policies and other similar tools. Be guided.

4. Time flies so fast. You are nearer your retirement age than you think. Do not be a victim of late planning or lack thereof.

I am 26 years old while I was writing this post. Sadly, I don't think that many people my age are aware that we only have 34 years before our senior year and that it will only be a breeze if we will only let time pass us by. The best time to start securing our retirement fund is now - while we are still insurable. I think that not too many of my peers know that once we are diagnosed with illnesses,it will be harder for us to avail of insurance policies. I will never forget the stories of people who turned down insurance policy offers in the past and then were diagnosed to be ill. No matter how much they wanted to get the insurance policies that was once offered to them, they were not insurable anymore.

5. We all want to accomplish many things before we reach our retirement age. The best time to plan for it is now.

Before we retire, most of us will say that we will want to give back to our parents and/or start our own families. But how can we actually assure that if (a) we are not prudently planning for it and (b) we have not actually saved anything substantial from the time we worked until now?

Thus, the best time to plan for those long-term goals is now. Investment can help you in building that dream house that you wish your parents to have while you are building the one that is meant for your own family. Talk to your insurance agent about your dreams.

To know more how can an insurance agent like me help you in achieving your long-term goals, contact me via 0998-367-0545. I will be more than happy to listen to you.

3 Important Things I Learned From My Senior Financial Consultant Teammates

(L-R) Jolly, Iris, Ms. Jhett, Me, Ms Camille, Eric, Ms. Lani,
Dar, Karen, Camille and Trish
Camille and Jolly are Senior Financial Consultants in my own team. It means they are ahead than me in years in Pru Life UK. While I was still barely on my first month, the two are already on their third and fourth years. They are living proofs that the career that I have chosen to pursue for the rest of my life is very promising.

Earlier, we had a quick chat over my second sale. They congratulated me and spoke words of wisdom that they acquired throughout the years of becoming Financial Consultants in Pru Life UK. They also shared the things that they learned from the MDRT training they attended that morning. (MDRT or Million Dollar Round Table is one of the highest honors being conferred to top insurance agents all over the world.)

These are my three best takeaways from that quick chat with my two inspiring teammates.

1. Focus on your daily habits far more than the rewards of the job.

The work of a Financial Consultant is very rewarding in the real sense of the word. In fact, I highly recommend it achievement-driven people. When I say rewards, I am not only talking of the extrinsic rewards such as commissions, incentive trips, recognition and others. The work of a Financial Consultant is also filled with intrinsic rewards such as making a difference in the lives of others.

Camille and Jolly told me that despite the many rewards of the job, we must not forget the foundation that we needed to step on in order to reach those rewards. The habits that we form everyday, they said, will form the foundation that will become the stepping stone of our success in this job. They said that the rewards are the fruits of our habits. If we form the right foundation, the fruits will follow. I agree to them.

2. Don't even think about giving up.

Challenges will certainly to come. These happen to everyone, not just to Financial Consultants. But the first ones to embrace the challenges are the first ones to move on and finish the race. The challenges are there not to make us surrender but to make us stronger.

Jolly's story is on my head while I was writing this. She had actually given up and said her goodbyes to her teammates last 2011 for not having delivered the minimum sales required to keep her license as an insurance agent. But our Unit Manager and Branch Manager did not give up on her. With only a few hours left before the cut-off for the year 2011, Jolly was able to close a sale and was able to submit it. That sale allowed her to keep her license as an insurance agent. Today, Jolly is one of the top agents in our team.

What if our Unit Manager gave up on her? It will be very unfortunate to not have Jolly in our team right now. So don't even think about giving up. That's what I learned from Jolly's story. And even if I give up, my teammates in Alexandrite 1 will definitely not give up on me just like what they did to Jolly. I am very blessed to have become a part of this team.

3. Celebrate the small wins.

"Post your 200-peso worth of Starbucks Gift Certificate online!", Camille reaffirmed that I was doing the right thing when I told them that I always make it a point to post my small wins on Facebook. It's not about bragging (and there's nothing much to brag about a 200-peso gift certificate). But that's because we know that closing a single sale is never easy. A 200-peso gift certificate may look small but it meant so much more than that.

Celebrating small wins allows us to focus on the blessings rather than on the challenges. Surely, there can be too many challenges before you can even get a single blessing. But if you change your mindset about it, the challenges become part of the blessing as a whole. Having this kind of perspective is important especially to the ones who are just starting - so that they don't give up. Celebrating the small wins helps us do just that.

Saturday, July 12, 2014

My Top 5 Takeaways from Pru Life UK Alexandrite Branch Midyear Planning 2014

My very own unit, Team Lani, as we all try to fit in
Instagram frame during the recently concluded
Alexandrite Branch Midyear Planning 2014
Last July 12, 2014, the Alexandrite branch of Pru Life UK held their Midyear Planning 2014 at the AIM Conference Center in Makati City. It was attended by all the Financial Consultants of the branch. It was the very first big event I ever attended as a Financial Consultant of Pru. I would say that it made me feel more confident and proud of the company, branch and unit where I belong. I am only barely over a month in the business and I felt very thankful to know more about Pru Life UK, Alexandrite branch and my very own unit, Team Lani, through this wonderful event.

Below are my top 5 takeaways from the event. I hope that you, may you be an aspiring Financial Consultant or a client looking for a Financial Consultant, find this blog helpful in your decision-making .

1. Successful Financial Consultants believe that what they do make a huge difference in the lives of others.

There is one thing common among the many speakers who talked during the event. They all believe that their job as Financial Consultants allow them to make a difference in the lives of others. They said that during wakes, people bring flowers and condolences to the bereaved family but a Financial Consultant brings the "beacon of hope" that will help the family start a new life again. The same is true during times of terrible diseases and great needs. Because of them, I realized that Financial Consultants have a very unique role to play in the lives of others that one can't just succeed in this business if he doesn't have the heart to make a difference in the lives of others. 

2. We are actually friends with other insurance companies that we invite their Financial Consultants as speakers in our events.

The guest speakers during the event are from First Life and Manulife. As a rookie, I was astounded by the fact that we can actually invite speakers from other insurance companies during important events like this. Not so many companies do this and it made me glad that I am in this industry. 

I remember what my Unit Manager, Ms. Lani Robles, had always taught us, "Our competitors are not the other insurance companies. Our competitors are death, diseases and disability. Our mission is to get to our clients first before these enemies get them."

3. Financial Consulting is the most rewarding job ever - both intrinsically and extrinsically.

One speaker said that if you are a person who loves rewards, financial consulting is the best job for you. I totally agree with him. 

It had only been a month since I joined Pru Life UK but I have never experienced being rewarded like what I have experienced here. In just closing a single policy alone, I have received so many gift certificates and cash incentives already. Those rewards are still on top of my commission from that very sale. Every month, Pru Life UK and the different branches under it implement various ways to excite their Financial Consultants by giving them rewards for different achievements.

4. Alexandrite may be small but it is among the top performing branches of Pru Life UK.

I am very honored to belong to the group that is among the top performing branches in Pru Life UK. This is despite being relatively smaller in terms of manpower. I have seen the figures myself and numbers don't lie. The average age of the agents in Alexandrite is also very impressive - around 25 years old. I honor my Branch Manager, Mr. Henson Tan, for leading us to the right way.

5. Team Lani (the unit where I belong) may be small but is among the top performing units in Alexandrite branch.

Within the Alexandrite branch, I belong to a very small team led by Ms. Lani Robles. We are only around 40 agents and only 12 of us are doing the business full time. To be hailed as one of the top performing units in the whole Alexandrite branch is no small feat. During the event, I am very proud to say the 2 of the 3 selected agents who were honored and given the privilege to speak are from my very own unit. Ms. Karen Romero is hailed as the Top Recruiter for the first half of 2014 while Ms. Jhett Tolentino is the Top Agent. To say that I am "amazed" is an understatement. 

I am looking forward to seeing more achievements from Alexandrite and from my very own unit in the next Planning Session this coming October 2014!

To God be the glory!

For inquiries, please do contact me via 0998-367-0545.

Monday, June 30, 2014

7 Types of People Who Make Good Financial Consultants

1. The Influencer. In the technical sense, the work of a Financial Consultant is mainly about selling and recruiting. (In a deeper level though, being a Financial Consultant is about protecting and growing the income of their clients). If you have a friend who loves building relationships with people, actively recruit him. Do not be discouraged if he hesitates due to the technical side of the job. Tell him that those things can be learned. My Unit Manager who is already a member of MDRT (Million Dollar Round Table), one of the highest honors being conferred to insurance agents worldwide, is a former guidance counselor. Personally, I believe that Financial Management is for everyone and must be understood by everyone. Financial Management can definitely be learned.

2. The Achiever. If you know someone who is a high achiever, there is a fat chance that he will love the perks of being a Financial Consultant. Give him the list of all the possible rewards that he can get from Pru Life UK.

I consider myself as a person who loves having a sense of achievement and so far, the list of rewards for being a Financial Consultant is the most impressive one. Below are just some of the some of the many rewards being offered by Pru Life UK.
  • Fast Starter Club - You will have the chance to join this awesome group of achievers if you were able to close a sale during your first month.
  • Rookie of the Year - This award is being conferred to the "rookie" agent (agents who have worked for less than a year) who has the highest amount of sales for the year.
  • Agent of the Year  - This award is being conferred to the agent who have the highest amount of sales for the year.
  • Have your photo and name published in major broadsheets nationwide - This is being done annually in honor of the top agents of the company. 
  • Incentive trips - Each set of destinations has different mechanics but as I heard from my Unit Manager, she travels around the world around 6-8 times a year. Others are even availing of the cash equivalences of the trips already because the traveling opportunities are just way too many.
  • Weekly commissions - Commissions are being released weekly and it will continually increase as your sale and recruits increase.
These are just some of the many perks for being a Financial Consultant of Pru Life UK. There are indeed more! In my own unit alone, my Unit Manager gives away perks for every sale that we close. These perks are even separate from what our Branch Manager provides. Now, I'm speaking only for my own branch Alexandrite 1. Please don't seek these perks in other branches as they have their own sets of reward systems.

3. The Wanderlust. I have heard about some agents who became Financial Consultants because of the many incentive trips. As I mentioned earlier, my Unit Manager travels around the world around 6-8 times a year. If you have a friend who will go crazy about this kind of incentive, invite him over to our Build Your Business (BYB) meeting every Monday at Intercontinental Hotel in Makati City or every Thursday at Gloria Maris Restaurant in Greenhills. Both events start at exactly 6:00pm. Light meals shall be served too. To reserve your slot, call or text Mark Delgado of Alexandrite 1 via 0917-838-7545. (Note: Dates and venues are subject to changes every now and then.)

4. The Enterpreneur. Entrepreneurs are the salesmen, marketers, customer service representatives and accountants of their own businesses. If you have a friend who is an entrepreneur or a freelancer, convince him to become a Financial Consultant, even just as a part-timer. Pru Life UK offers unlimited income using limited capital. You only need to sell and to recruit. There's no need to take care of the marketing, customer service and accounting functions of the business.

5. The Model Employee. Model employees who are underpaid deserve better. If you have a friend who is a star in the corporate world but is not contented with his bi-monthly paychecks, introduce the opportunity to him as a part-timer. You might as well send the link of this blog to him! Seriously, great employees deserve equally great compensation packages. Being a Financial Consultant will definitely help them attain that.

6. The Freeman. If you know someone who believes that there is a bigger world outside their 9-5 jobs, becoming a Financial Consultant can be for them. As a Financial Consultant, I have the freedom as to where I want to work and what time do I want to start and end my work. This opportunity is perfect for parents who would like to spend more time with their children and also for people who have many activities aside from their jobs.

7. The Teambuilder. If you have a friend who loves working with a team, Financial Consulting is for him. I am very fortunate to belong to a team whose passion, aside from serving their clients, is helping one another. We don't need to compete with one another. We can do more if we will actually help one another. Only around 4% of Filipinos have insurance policies, we don't need to compete with one another for the 96%. There are indeed tons of fish in the water! Eventually, Financial Consultants are to be promoted to become Unit Managers, Branch Managers and so on and so forth. The values that were instilled to us while we were still starting are the same values that we will pass on to our very own teams in the future.