“Saka na lang.”
“Next year na lang ako kukuha.”
“Pag may extra na akong pera.”
These are words I often hear from people when I talk to them about insurance. And I get it — life gets busy, and sometimes, insurance doesn’t feel urgent. But here’s the truth:
👉 Delaying your insurance plan doesn’t save you money. It actually costs you more — financially and emotionally.
In this blog post, let’s break down the real numbers and real-life regrets that come from waiting too long to protect yourself and your family.
⏳ 1. The Price of Waiting: How Premiums Get More Expensive with Age
The younger and healthier you are, the lower your insurance premiums will be. As you age, your risk profile increases — and so does your monthly cost.
Let’s look at this sample for a ₱1 million life insurance plan:
| Age | Estimated Monthly Premium |
|---|---|
| 25 | ₱2,800/month |
| 35 | ₱4,200/month |
| 45 | ₱6,100/month |
That’s a difference of ₱1,400/month if you wait 10 years — or ₱504,000 over 30 years.
And that’s just for the same coverage! No additional benefits included yet.
💡 Insurance rewards the early. It penalizes the late.
🏥 2. Health Can Change Everything — And Fast
We often think we’re invincible — until one lab test says otherwise.
One diagnosis, even if manageable (like hypertension, diabetes, or fatty liver), can lead to:
- Higher premiums
- Limited coverage
- Worse, being declined altogether
I’ve had clients who were approved for full coverage at 28, but some got declined or postponed at 38 due to health issues. They didn’t do anything wrong — they just waited too long.
💡 You can’t buy insurance when you need it. You buy it while you still qualify for it.
📉 3. Missed Growth: Delayed Plans = Delayed Gains
If your insurance policy includes an investment or savings component (like VUL), time is your biggest ally.
Let’s compare two scenarios with the same monthly premium:
- Start at 25 years old:
₱3,000/month with an 8% projected return = ~₱4.1 million by age 55 - Start at 35 years old:
Same ₱3,000/month = only ~₱1.7 million by age 55
That’s a loss of ₱2.4 million — just for starting 10 years later.
💡 Delaying doesn’t just cost you more… it makes you miss out on what could’ve been yours.
💔 4. Real-Life Regrets: When “Saka Na” Became Too Late
Let me share a story — fictionalized for privacy, but based on true events.
Jack, a 33-year-old father, kept postponing his insurance. “Sayang ang ₱3K a month,” he said.
After his second child was born, he finally applied for a plan — only to be diagnosed with lymphoma two weeks later. His plan wasn’t approved yet. It was too late.
Today, his family is struggling with the cost of treatment — bills that could’ve been partly covered if he had acted earlier.
This isn’t to scare you. It’s to wake us all up.
💡 The cost of waiting isn’t always money. Sometimes, it’s peace of mind.
💬 Final Thoughts: The Best Time Was Yesterday. The Second Best Is Today.
Insurance isn’t just a financial product.
It’s a decision of responsibility, protection, and love — for yourself and for the people who matter most to you.
So if you’ve been thinking about it, take this as your sign to finally start.
Because at the end of the day, it’s not just about how much insurance costs…
It’s about how much it could save you from losing.
📩 Let’s stop the delay. Let’s start your plan.
I offer free consultations — no pressure, no hard selling. Just a conversation about what’s right for you, your goals, and your future.
📅 Book a discovery call with me
📥 Message me directly
👩💼 Let’s make sure your future self is protected — and grateful you took action today.
Life With No Regrets 
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