JonHappiness: Stay Away from Philippine Prudential Life Insurance Promos as they are Scammers!!!!

Stay Away from Philippine Prudential Life Insurance Promos as they are Scammers!!!!

Philippine Prudential Life Insurance Company Freebies and Misleading Marketing Tactics

Don't talk to strangers.

It's probably one of the first few things that parents tell us as kids so we could avoid getting into trouble. It's one of the most important reminders that I failed to give heed last Saturday, June 12th, 2010.

Me and my mom were in SM Cebu City to purchase our food since the next day we will not be shopping as part of our Sabbath Day observance. We bought some groceries and decided to stop by Jonie's restaurant. Since SM Cebu is a bit bigger than SM Iloilo, we were not used to where Jonie's is situated. We passed by a group of ladies and a guy who asked me if I wanted to own a car and if I already have one.

In most cases especially when I'm alone, I wouldn't give them even my slightest attention. However, that day, I decided to be a little polite though we were in a hurry so I could utilize the ticket that was given by our former neighbor in Aklan. I was about to go to Cebu Coliseum so I could get to see the Youth's Cultural Presentation. But everything changed when I listened to the ridiculous sales agents of PPLIC or Philippine Prudential Life Insurance Company.

The lady who approached me was Loreli. She was in green long sleeved and formal attire and she kept on saying that she would take some of my precious time to introduce their company but she wouldn't be selling me anything. I just realize we've always been saying that when telemarketing. I was so stupid to have fallen to such a bait. To cut the story short, I have been duped by the Philippine Prudential Life Insurance Company sales agents. They're all over SM malls wearing green and would entice anyone they feel they could hoodwink and approach the unsuspecting people with freebies.

I have long been planning to take a life insurance but more of an investment or savings. I actually spoke with the manager of Insular Life in Iloilo about the plans and I love their products. It's just so surprising how I still got swayed by the Philippine Prudential Life Insurance Company (PPLIC) agents. They use PPLIC now since when you take a few minutes searching their whole name in Google, the third search result would be a proof that they're scammers.

They would bring you to their office with a lounge and a flat-screen TV and bazillion of agents in green while the guys are wearing formal attire with neckties. They would then ask you to sit down with an assigned 'presentor". Emelyn C. Pacatang was assigned to me. The first thing I noticed about her was she's fond of tapping in your shoulders or shaking hands. They seem to have a habit of trying to make a contact, and looking for a common ground.

She keeps on emphasizing that she's not selling anything. She showed me the picture of George Mercado, the Chairman of the Board of PPLIC (Philippine Prudential Life Insurance Company). Then the next picture was that of the man behind wheels and they said that his wife, who's an OFW, won the Honda car from their raffle promo.

I am naturally skeptic. So my mom was. However, I don't know what exactly happened that day that I was lured into signing up with them. Clearly there was misleading and misrepresentation. They'd lure you into taking a free or giveaway (usually a tumbler, pillow, wall clock) and a chance to win $10,000 or a Honda car. It was all too sweet and when I looked at their sales agents in Iloilo earlier today, I still can't believe I was duped.

Credit Cards, Checkbook, Active Debit Card

That's a picture of me(with the white bag), a sales agent from Philippine Prudential Life Insurance, my mom(wearing apple green t-shirt) and Emelyn. Beware of the faces of the two scammers! You could be their next victim!

Loreli's first approach was to ask me if I have credit cards. I personally prefer not to have one. So she proceeded if I have a checkbook. I told her I have one but I left it in Iloilo. Then she persisted and figured I have a Debit or ATM card. She said that each item has corresponding points.

1. Credit Card - 2 points

2. Debit Card - 1 point

3. Checkbook - 3 points

She then asked me if my debit cards are active. She then told me that they wanted to give me a freebie in exchange of listening to their 45-minute presentation and again emphasized that they're not selling anything.

So to cut the story short, I signed up for their Endowment Savings Policy and they charged or deducted automatically an amount of Php 6,650 from my Debit Card.

Cancelling my Philippine Prudential Life Insurance Policy

As soon as we got back to Iloilo, I looked them up in Google and my intuition was confirmed.

I got ~~scammed~~!

It's funny how I have been warning everyone about au pair scammers yet find myself duped by insurance scammers from Philippine Prudential Life Insurance.

I withdrawed all my remaining money from my BDO (Banco de Oro) Debit account so they wouldn't be able to deduct subsequent monthly premiums. I then called their customer service (02) 902-2300 and informed them that I want my policy to be canceled. They asked me about my reason and I told them I cannot deal with a company with a bad reputation and allows its agents to mislead.

Earlier today, I gave my letter of cancelation to their manager who identified herself as Renzel. She tried to talk me out about not canceling but I was firm about my decision. I gave her the letter and she then referred me to their Customer Service Representative, Joan Absalon. They processed my documents and received them while I kept a copy that they received it. I also asked for a SOA (Statement of Account) with a status of "Canceled upon inception".

They told me that I will need to wait for about 30-45 days.

I told them I don't give a dang as long as they cancel the policy!

While waiting for the whole process to finish, Renzel tried to be a little amicable by asking me questions about my work and people that we might know in common. I tried to be polite but told her I wouldn't disclose any more information.

Debit Card and Credit Card

Today I just realized that it's better to transact using a credit card especially with bigger amount of money involved because you can file a letter of dispute just in case things like this happens whereas for the Debit card, I would need to wait for the Philippine Prudential Life Insurance to process the refund.

The customer service representative from BDO (Banco de Oro) told me that they can't freeze my account or prevent the Philippine Prudential Life Insurance from deducting monthly fees from my account because I didn't sign an Auto Debit Arrangement Form with the bank and Signed a Continuous Billing form with the Philippine Prudential Life Insurance instead. Clearly, the bank doesn't have any hold on this. My only option is to terminate the account or have it closed. However, they would need the said account so they could charge me back or refund my initial payment and cease from deducting monthly payments on my card. I just wanted to be a little sure that the cancel status wasn't doctored. I just wanted to make sure they would no longer deduct any amount from my debit card.

Now I will need to wait for 30-45 days for the Philippine Prudential Life Insurance to process my request.

What I've Learned from Being Scammed

1. What doesn't kill me would make me stronger and wiser.
2. Do not easily trust people.
3. Research before you make a decision. You can't just decide about your life insurance in just 45 minutes!

Warning to Everyone

I've read an anecdote before that if anyone sells you an insurance, run away from them. The sales agents from Philippine Prudential Life Insurance are still very much free to lurk in all SM branches across the Philippines. The SM Management doesn't seem to care about what their tenants do as long as they comply with their payments and their business requirements.

It is therefore everyone's obligation to be warned and warn others! Kindly tell everyone you know not to fall for the Philippine Prudential Life Insurance or formerly Danvil's insurance scam.

Let us know if you've been through a similar situation and how you were able to get your money back.

UPDATE: I got a chance to speak with their corporate representatives and they explained to me that they do not tolerate these deceptive tactics by their agents. Before deciding on cancelling, you may want to read their side too by going here.

Philippines Prudential Life Insurance has returned or credited my money back to my debit card today! (July 10, 2010) after 25 days!

How to Cancel your PPLIC (Philippine Prudential Life Insurance Company) And Get your Refund!

Philippine Prudential Life Insurance Company Cancellation Letter Example

Resources to Cancel Your Philippine Prudential Life Insurance (PPLIC)

Employee of Philippine Prudential Life Insurance (PPLIC) Apologized!

Comments

180 Comments

180 comments:

Junnjun M said...: Dapat gin report mo ni sa DTI or even sa Police...; Tue Jun 15, 10:22:00 AM PDT
elie palima said...: nung nakita ko ung picture nila, Mukha na talaga silang hindi katiwa-tiwala.. LOLs.

anyways, gin I found you through melvin's blog btw. ;-); Mon Jun 21, 07:02:00 PM PDT
elie palima said...: ooops. gin ,Padelete nung email ko.. email nailagay ko instead of my blog url. lols Thanks!; Mon Jun 21, 07:04:00 PM PDT
Jonha Ducayag Revesencio said...: Hi Elie,

Thanks for dropping by! I had this feeling na hindi talaga sila mapagkakatiwalaan pero ewan ko ba kung bakit napapayag din nila ako. Perhaps one of the reasons is that I wanna get rid of their sales pitch kaya nag sign up nalang ako. I know, not a good move, but I've learned so much from the said experience I wouldn't trade it with anything in this world.; Tue Jun 22, 01:31:00 AM PDT
Anonymous said...: yeah right they are. i also had an experienced with this company promo here at SM city Iloilo but unfortunately the guy wasn't that skillful enough to convince me to walk into his trap they will first take you slowly an persuade you to sign up with them. they will do and try all methods to victimized. i pity older people who happened to me easily caught on their trap...; Thu Jun 24, 04:15:00 AM PDT
Jonha Ducayag Revesencio said...: Good for you, but since a lot of people are being scammed everyday, I thought I'd give out a warning to everyone. You see, they're all over the Philippines and keep on using the trick that SM is backing them up that's why they're there, lame!

I am still waiting for my refund, or I will take all the necessary legal actions!

Right, I wish there's something more I could do for those oldies and OFWs who fall into this scamming activities by PPLIC; Thu Jun 24, 05:15:00 AM PDT
Anonymous said...: omg! a few days ago, as i was exiting from Starmall, Crossing, some gay rep. of this scammer asked me to sign up. as i have already told myself many times that i wont fall into another trap like this, i dont know i was swayed and i ended up going to SM Megamall with this guy. To cut short he endorsed me to another rep who almost talked me into signing until, i saw from the corner of my eye that a person was swiping some plastic card and then i suddenly i got up and said, this is enough, you asked too much of my time and still have the nerve to insult my being( since the rep was asking me to sign up or else i will miss a chance of a lifetime and worse, he said: look, at your age3, you have not saved money. etc) with that, i stood up and left. i wished i had slapped his face! i dont know what to comment on Sm Management's stand on this. SM is all for the money.; Sat Jun 26, 11:46:00 PM PDT
Anonymous said...: what is to be done about this stupid company???
im sure they will burn in hell!!!; Sat Jun 26, 11:48:00 PM PDT
Anonymous said...: why are these scammers still living amongst us, human beings.... they're not human beings...they are worse than zombies!; Sun Jun 27, 03:31:00 AM PDT
Anonymous said...: Wow. Even in Cebu nakakarating cla! I guess i am the latest victim of this Phil. Prudential. In SM Megamall. Acutally the objective of their policy is good but the marketing strategy is very unethical. They are misleading the client by using the word "Savings" when in the end it is really an insurance they are promoting. It just so happened that may boyfriend was angrily waiting for me outside, thus i decided to avail the poicy for them to let me go. Also, my classmate had also been a victim a month ago and mentioned that she was able to get a refund of the initial premium. So now, i'm on the process of cancelling the policy. I have an insurance, and i know some financial institutions that could give me higher ineterest as compared to them. I hope a government agency could do something about this case, for the common good of the consumers.; Mon Jun 28, 12:55:00 AM PDT
Anonymous said...: ako rin na biktima nila. pero i get my money back in 24 hours. follow nyo lang steps on how to cancel the policy. Thanks. CyberfoX; Mon Jun 28, 10:06:00 PM PDT
Anonymous said...: Ako na biktima din kaso indi ko na maibalik ang pear kong nawala almost 50k :( pina forced to cancel na yong policy.; Tue Jun 29, 07:15:00 PM PDT
Anonymous said...: I'm also a victim, just few hours ago. Can't believe I was deceived and fell into their modus operandi. Can I cancel the policy by just calling their cust service or do I still have to create a letter of cancellation? How will I know that the policy has been cancelled already. I have used my credit card and no money was taken from me yet. Can I call my credit card company for them not to charge me on my next bill.

Good thing I have read this blog, very helpful.
Thanks! Hoping for your quick responses since I think I will not be able to sleep until this has been settled.; Thu Jul 01, 04:50:00 AM PDT
Jonha @ Happiness said...: You can cancel within 24 hours and have your money charged back or refunded. It's odd that they haven't charged anything, yet. I'm sure it will reflect on your credit. I am not sure with credit cards, I used my debit card so I saw that the money was taken/deducted right away.

1. Write a Cancellation Letter
2. Submit it to the branch that lured you, or where you got your policy.
3. Have them receive or sign your letter, get a copy of it. (Just to have a proof that they received it)
4. Request a SOA (Statement of Account) with the status: Cancelled upon inception
5. File a dispute or something like that to your credit card company so they will not charge you.

I guess that's pretty much about it, and do it within 24 hours! Or if not, at least 15 days after.; Thu Jul 01, 06:50:00 AM PDT
Anonymous said...: meron narin sa cagayan de oro, limketkai center, kakaopen lang nila, lang hiya muntik nko knina ^_^ ayus, ang sabi pah 47years on the business, yah ryt.

-^_^ smileypipz006-; Thu Jul 01, 08:29:00 AM PDT
Anonymous said...: guys help, ilang days ba malaman kung ng reflect young gnawa nilang swiping sa credit card ko, nbiktima kc ako dito kgabi sa Cagayan de oro, di ako pumawayag sa gusto nila, pero parang na 1,2,3 ako, di ako pumayag pero before ako umalis may pinapirmahan silang document sakin na sa pg mamadali ko di ko na malaman kung anu yun, tumawag ako kaagad sa CC company ko tos for the meantime pina cancell ko muna ug CC ko pra ma releave ako, tos sabi ng CC agent di daw yun guarantee na macancel kung may incoming pending transaction ako liban nalang ko gumawa ako ng letter of cancellation, balak ko na sanang gumawa kaso im not sure kung na member ako ng PPLIC kc nga di naman ako pumawag pero lang duda lang kc ko, so far walang record nung trasactions, sabi ng CC company check ko lang daw lagi ung CC account ko ONLINE kung may changes, til now im still waiting for it and im so depressed T_T
ilang days b bago mg reflect ung gnawang swiping ng PPLIC sa card ko, tulong naman po guys, tnx much

-GriefGUY01-; Fri Jul 02, 12:04:00 AM PDT
Anonymous said...: At last I was able to sleep soundly yesterday. I didn't allow another day to pass without settling this traumatic experience, thanks to you jonha. I followed what you told me.

1. I created a cancellation letter.
2. I called their hotline but unfortunately no one was answering. I was told by the cust rep that it was a holiday in Pasig that is why no one was available.
3. I went to SM Southmall (branch where I was scammed). Gave them my cancellation letter, but I was asked to modify it since I was not specific why I want to cancel it. So guys, be sure to indicate the main reason you want to cancel the policy to save time.
4. I asked for a Statement of Account (SOA), but I was told to come back after 2 hours (6PM).

When I was able to get the SOA (make sure the status is Cancelled), I was told to wait until 30-45 days for the money to be credited back to me. I don't have my credit card bill yet. So I have to talk to them if it is possible not to pay the fee that I supposed to pay PPIC so there is no need to credit it back to me.

My experience with them was very traumatic and stressful. But in fairness, the customer service rep was the only pleasant person in that place. I felt I am not safe while I was inside the room. They even asked my friend to stay outside. You just need to be firm since they will do everything to convince you to continue. They even asked me if maybe I can just downgrade the policy, but I declined. I told them I don't want to get any of their services.

You must tell them also that based on the contract, you have a 15-day no obligation period, in which at any time, if you are dissatisfied, you can discontinue.

I can consider this experience as maybe, a blessing in disguise. I am the type of person that can be easily persuaded. I learned my lessons the hard way. From now on, I will not make any big decisions within just a few minutes. I hope this will not happen anymore. I admit I have my own faults. I didn't think about it very carefully. Their sales agents are very good. We have to learn how to say no. I know, some might say I am stupid, well I am, but this thought me to stand on my own and be firm on something.

Regarding your situation GriefGUY01, if you signed their contract and if they already swiped your credit card, you are one of us already. Did they give you some papers/contracts? If yes, and if you don't want to continue. Just follow what we did. I will continue to check this blog every once in I while to make sure that no one will be victimized again by their evil acts.

Thanks again jonha. If not for this blog, I am still at lost. God bless all of you!

-stressedBUTrelieved-; Sat Jul 03, 02:31:00 AM PDT
Jonha Ducayag Revesencio said...: -stressedBUTrelieved-,

Thanks for sharing with us about what steps did you make to cancel your policy, I am sure many readers will be able to find it helpful. You were about, you just need to be firm because they will try to delay, promise and convince you not to but again, it is very important to prove them who's the boss here.

When I went to their Iloilo office, I thought they would not honor the policy since I got it from Cebu but I had my friend ask them:

"If I get a policy here in Iloilo, could I update it in Cebu?" (Much like the opposite of my situation)

The ever friendly staff/receptionist amicably told my friend, "Definitely ma'am".

That's when I entered the office and looked for their Manager on Duty.

You were right, the customer service representative was pleasant (because again, it's one of their tactics), I guess that's their way of showing that they want to keep you. But don't be fooled again!

I really hope our government will act on this. There's so much of us already who were duped by the Philippine Prudential Life Insurance and the SM management doesn't seem to care about anything of it except the money.; Sat Jul 03, 08:47:00 AM PDT
Jonha Ducayag Revesencio said...: Thought I'd share an angry policy holder's letter to me (through Facebook. She's an OFW in Dubai.

QUESTION:

hi! ms. jonha...read ur blog abt. phil. prudential life insurance..OMG!! gulat ako d2...juz now nlaman ko scam nilang i2..gosh! it's been 1 yr. na din na ngde2duct cla montly premium sa credit card koh..i didn't mind of dis because d2 ako dubai..all i thought they were true...damn shet cla kng gnun pa man...u know just last month lng they called me sbi suspended na dw card ko..sbi ko renewal n ulet kz card ko kya un i gave them CC number ko ulet pero pnagtataka ko twice clang ngdeduct for my june payment e ngdedecut nmn sila ng may payment ko eh...haist! i sent them letter of clarification sa deduction na gnwa nila pero untill now no reply cla. So i started searching other contact numbers nila..ngriring ibng numbers nila pero nobody is answering! Ms. Jonha, what i need to do?? help nman poh?? tnx! (name deleted)

RESPONSE:

Thanks for contacting me about this. I'm still waiting for my refund. Naku, sobrang 1 year na pala so I am not sure if they would refund it to you FULL but here's what you can do if you want it cancelled.

1. Write a Cancellation Letter
2. Submit it to the branch that lured you, or where you got your policy. (Since nandya ka sa Dubai, authorize someone to do it on your behalf)
3. Have them receive or sign your letter, get a copy of it. (Just to have a proof that they received it)
4. Request a SOA (Statement of Account) with the status: Cancelled upon inception (Importate ito para hindi na nila deductan pa)

5. File a dispute or something like that to your credit card company so they will not charge you anymore.

Hindi sila nagrereply kasi marami siguro silang mga complaints at charges na inaatupag.

You can call their call center, bago ito, baka yung dati yung tinawagan mo?

Here it is:

(02) 902 2300

Let me know if nagawa mo na to so we could proceed to the next steps. Also, please share the article/blog post to your friends para naman ma warn sila. Lahat ng SM malls dito sa Pinas meron silang branches, we need to take them down!

Actually ok naman sila, yung way of marketing lang talaga nila ang hindi maganda at walang assurance na maibibigay talaga nila ang pera mo when the time comes.

I suggest to investing in these insurances instead:

Sunlife, Insular, Manulife, AXA (I am in no way affiliated with them pero I am currently investigating and shopping around para naman ma assure ko ang retirement ko , haha ganun talaga habang bata para mas mura! haha)

Wag ka nga palang pasisindak sa kanila kapag magpacancel. They'll try to do all they can to stop you from cancelling but be firm. Show them na alam mo ginagawa mo.

QUESTION:

thanks for the reply ms. jonha! okei gawa ako cancellation letter den i'll just let my brother process it jan manila. Gaano kana katagal antay ng refund mo? I read one blog din na pag more than one year kna daw na nghuhulog sa knila e pwede ka mgloan up to 80%?! is this true?! if ever man na gnun cguro okei din na gawin un den block ko nlng agad un credit card koh pra nde na cla un mkpgdeduct dbah??

RESPONSE:

You need to wait for like 30-45 days. I am not sure about the loan but I guess if it's possible, do that. Pero depende yata yun kung ano kana katagal naghuhulog like for most companies, you can only loan such a huge percentage kapag ka mga 5-10 years ka ng naghuhulog.

You need to AUTHORIZE your brother if sya magpaparocess for you, write an authorization letter.; Sat Jul 03, 08:48:00 AM PDT
Jonha Ducayag Revesencio said...: QUESTION:

Hi Jona, I'm (name deleted). I was also victimized by the PPLIC deceiving tactics of selling their insurance. Today is my 15th day on availing their policy and I really don't like it. I was just pressured to signed on their documents during June 5, 2010. I have also attempted to cancel it on June 10 pero bigo ako napagtulungan lng nila ako at napagawa pa ng isang sulat na itutuloy ang policy sa knila. Ayoko na tlga =( naiisip ko ay hindi ko na lang babayaran ung 14,010 sa credit card tpos sabihin ko na lang na nawala na ung credit card para ma-close na. I need help. What will i do? ngsend na rin ako mga cancellation letters kay Ms. Ginny at sa mga email na nsa blog ni Arpee.

RESPONSE:

Hi Ellen,

Thanks for contacting, sumulat ka na ba ng Letter of Dispute sa Credit Card company mo? Kelangan kasi yun and you need to attach your SOA tsaka yung copy ng letter of your cancellation. In that way, hindi ka na nila ma chargan ng mga consecutive monthly premiums. Also, matutulungan ka din ng credit card company mo for the charge back. You will need to wait din for 30-45 days tulad ko kung nakapagsulat ka na. San ka ba nabiktima?

Ganyan talaga, dapat kasi medyo madami kayo pumunta nung gusto mo pacancel para hindi ka nila pagtulungan, dinadaan kasi nila sa dami but if you're firm, wala silang magagawa.

So ganito, kapag na send mo na necessary letters, nasignan, maghinay ka nalang for 30 days. Kapag ka wala pa din, parati mo silang i follow up. Nothing's more effective than annoying them para actionan nila.

Kapag natapos na ito, let's warn others, kaya nga nagblog ako. Also, we can write a letter or petition sa Insurance Commission at SEC. It may take sometime pero everything needs patience. We need to take them down at though it may not be easy, it'd be worth it.; Sat Jul 03, 08:49:00 AM PDT
Jonha Ducayag Revesencio said...: QUESTION:

Thanks for replying!

Yes I've already tried calling my cc company which is BDO pero kelangan daw nila ung cancellation letter from PPLIC eh that's why pumunta ako dun nung June 10 (nag-absent pa ako sa work para pumunta dun.. kalungkot tlg) na hindi naman binigay sa akin.

Is sending dispute letter to BDO enough para hindi na nila ako ma-chargan? ayoko na rin bumalik dun sa SM North Annex kasi tiyak pagtutulungan na naman nila ako =( kaya ngsend na lng ako cancellation letter sa mga email add na nakita ko sa blog ni arpee.

RESPONSE:

Tuesday-Sunday office nila, you can go there during those days. Ganito yan, kapag may letter ka na nakaattach dun ang SOA at letter of cancellation at dispute, they can help you na since CC naman yan. I talked with BDO, it may take some time kasi nga we signed the Continuous Billing Form, wherein we directly dealt with PPLIC and authorized them without the knowledge of BDO so hindi madali para sa kanila mag interfere but in anyway, makakatulog parin sila.

Don't be afraid sa kanila kasi nga yun ang gusto nila mangyari, bring a lawyer with you or tito or tita na pulis, it will help.

Don't just rely on email kasi minsan hindi rin nila inaaksyunan agad pagkaganun, mas maganda personal talaga.

Hope that helps!; Sat Jul 03, 08:50:00 AM PDT
Anne said...: I agree that this company has a very poor marketing strategy. Misleading agents, yes! But scammers? I think that's different.

Documents were signed authorizing the company to debit or charge the accounts. I used to work for a credit card company and disputes are honored for "unauthorized" or fraudulent charges, not for authorized transactions. If you really want to go through the cancellation process, just do the necessary steps.

To those cancelling insurance policies especially ung medyo matagal na nakabayad o "may edad na." Remember, if you need to buy life insurance again, you may not be insurable anymore because of changes in your health and age or you may need to pay higher premiums with your current age. Make sure that you're making the right decision. Life insurance is still a basic part of one's financial plan (esp if your loved ones are dependent on your income).

It was mentioned that they do have good products but a very unethical marketing strategy. I came across this type of marketing with Family First, but I was just laughing to myself during the presentation. I remained firm that I would have to think about it and not make a decision right then and there. They weren't able to do anything about it and I got my freebie. Hehe. You see, not everything is the company's fault.

As an insurance consultant (definitely not with PPLIC), I'd advise current policy holders to make sure to review your insurance policy, and if you really feel you're not getting your money's worth and want to go ahead and cancel, do so but make sure you have a back up financial plan because canceling your policy will expose you and your family to risks.

Just my 2 cents. Thanks.; Mon Jul 05, 08:04:00 AM PDT
Anonymous said...: ako din naloko 1year na akong nghulog..pinapacancel kn a nga un policy ko pero they need to know the reason kung bakit ko ikacancel..sabi nla na klangan k mag email ng letter na ipapacancel ko sa mypolicy@philprudential life.com...di nman ako makakapunta personally kc im working abroad..pano kya ang gagawin ko?; Tue Jul 06, 06:25:00 AM PDT
Anonymous said...: i just knew it!! i was scammed i just singed up yesterday and the moment i got out of the door i just felt something was wrong. i feel so stupid i couldnt sleep, im a person whose not easily persuaded and yet i did it. i think they have this hyponitic aura coz they let you do things you usually do not do . . .i lot a lot of money and since i used my debit card it's as good as cold cash. i don't think i can do something about cancelling it today since i'm already going back to my workplace outside the Philippines. I just feel bad that the kind of strategy they use is very bad . . .mga taong walang konsensya. I will jut treat this as my worst nightmare as well as a lesson for me. i still could not believe how people do this to make money. May God bless them . . .moreso may God bless the poeple they have victemized.; Tue Jul 06, 05:23:00 PM PDT
Annette @ Your Entrepreneur Mind said...: I agree that this company has a very poor marketing strategy. Misleading agents, yes! But scammers? I think that's different.

Documents were signed authorizing the company to debit or charge the accounts. I used to work for a credit card company and disputes are honored for "unauthorized" or fraudulent charges, not for authorized transactions. If you really want to go through the cancellation process, just do the necessary steps.

To those cancelling insurance policies especially ung medyo matagal na nakabayad o "may edad na." Remember, if you need to buy life insurance again, you may not be insurable anymore because of changes in your health and age or you may need to pay higher premiums with your current age. Make sure that you're making the right decision. Life insurance is still a basic part of one's financial plan (esp if your loved ones are dependent on your income).

It was mentioned that they do have good products but a very unethical marketing strategy. I came across this type of marketing with Family First, but I was just laughing to myself during the presentation. I remained firm that I would have to think about it and not make a decision right then and there. They weren't able to do anything about it and I got my freebie. Hehe. You see, not everything is the company's fault.

As an insurance consultant (definitely not with PPLIC), I'd advise current policy holders to make sure to review your insurance policy, and if you really feel you're not getting your money's worth and want to go ahead and cancel, do so but make sure you have a back up financial plan or policy because canceling your policy will expose you and your family to risks.

Just my 2 cents. Thanks.; Tue Jul 06, 11:15:00 PM PDT
Jonha Ducayag Revesencio said...: Hi everyone, just got my refund today (less than a month!)

Please see the post below:

http://jonhappiness.blogspot.com/2010/07/philippine-prudential-life-insurance.html; Sat Jul 10, 05:42:00 AM PDT
Anonymous said...: hi! i'm looking for AOWA service center via net kasi pinahahanap sa akin ng mama ko but i can't find it, instead, i've read that AOWA is already closed kasi SCAM sila and may nagsumbong na sa DTI.

out of nowhere, nakita ko po ang blog na ito, which i think kailangan ko bigyan ng oras. isa rin po ako sa nabiktima ng PPLIC, and i really really hate it kapag naaalala ko yung nangyari sa akin that time.

anyway, i tried to cancel na po yung account ko pero hindi ito nagtagumpay dahil sa mga (paliwanag at kung anu-anong sinasabi nila) it ended up na nag downgrade na lang ako from 7 units to 2 units which is 460/month. and they told me rin kasi na i can't cancel my account just like that.

pero ngayon na nabasa ko itong blog and napatunayan ko na scam sila or whatever, at pwede ma cancel ang account kahit na matagal na, medyo nabuhayan ako. because i'm waiting for january, sabi kasi nila na after a year, i can cash out/may cash value yung mga naihulog ko na, and after that i can cancel na rin daw. kaya isa rin yun sa dahilan kung bakit nagtuloy pa ako.

but now, hindi ko na talaga ma-afford yung monthly since right now i'm unemployed and no income at all. i really need your help po.

i'm 23, and no one in my family knows about it, just my ex-bf and her mom. natatakot kasi ako that time to tell it to my mom.

can you help me po. to write letter of cancellation and letter of dispute because honestly, i have no idea po what to write.

super thanks po if you will help me. i really need it po. thanks po.. by the way, SM NORTH EDSA ANNEX rin po ako nabiktima.; Fri Jul 16, 07:46:00 AM PDT
Jonha @ Happiness said...: I would like to acknowledge Annette's comment about PPLIC not being a scam because after all, in fairness to them, they treated me well when I was complaining and wanting to cancel my policy (perhaps because they knew I knew something about the processes - note: I kept reading and reading till I got all the information I needed right in my very thumbs. I looked at every possible way I could to get my money back, I asked friends and finally wrote a cancellation letter after 3 days). For those who had it for years and years already, if you really want it cancelled (perhaps that's why you're here), simply scroll up and you'll see in the post or my previous comment on how to do so. You see, they knew that they couldn't convince me anymore. I was very FIRM with my decision. Show them that you are, no questions asked. They knew they shouldn't mess up with a blogger, haha.

I know someone who actually hired a lawyer because in involves such a huge amount of money.

PPLIC is a registered company, it's legit BUT their marketing strategies are plain RIDICULOUS! Very misleading.; Fri Jul 16, 08:57:00 AM PDT
Jonha @ Happiness said...: So for those of you who want to cancel their policy, write a letter of cancellation addressed to:

Sample Insurance Cancellation Letter

[Date]
Cancellation Department
Philippine Prudential Life
[Address of the branch where you got your policy]

RE: Policy Number: [Policy Number] Cancellation

I am sending you this written notice to request cancellation of my insurance policy effective [Date]. I would appreciate you sending me written confirmation within 30 days that the cancellation has been put into effect (Note: They don't send, but they returned my money anyway! yeeha! haha - perhaps because I'm in Iloilo).

Please refund my initial payment [of all my payments for others] for my policy plan and cease charging my bank account/credit card account for payment of monthly returns.

I can no longer afford the premiums monthly, thus, the request for cancellation. (I put this for those who actually have this reason) but mine was like:

I am no longer interested with your policy and no longer wish to be associated with your company. (I can be really harsh and blunt because I wanted to show them they simply can't mess with me). --so yeah you need to put your reason or they will not return your money.

Thanks for your immediate action regarding this matter.

Thanks,

(Signature)
Printed Name

But again, remember this in their 11th rule that you signed:

11. This policy has a no-obligation warranty within a period of 15 days from the date of receipt off Policy (i.e 15-day free look period), during which period, I MAY DISCONTINUE with the Policy if for ANY reason I am dissatisfied.

Premium payments will be refunded upon compliance with refund policies and procedures.; Fri Jul 16, 09:10:00 AM PDT
Anonymous said...: ms johna, thank you so much for the sample. malaking tulong po talaga ito. for the filing of dispute, may katagalan po ba ito? or may certain process na need gawin? BDO po ang CC company ko. thanks!; Fri Jul 16, 07:49:00 PM PDT
Anonymous said...: It was a smart decision for you canceling your account and its good that you acted fast. Take caution next time with agents. I think walking away is the best policy. I do admire you for destroying a companies name though. you got some big cajones doing that.; Fri Jul 16, 09:58:00 PM PDT
Jonha @ Happiness said...: Filing Dispute with your Credit Card Company:

I am not sure about the process since I used a debit card but here's what you can do, call their customer service (of BDO), they should help you in anyway. That's actually the first thing that I did but they advised me to cancel the policy first. You will need to attach your cancellation letter to your letter of dispute (after it was received by PPLIC - signed by their manager).Attach it your dispute letter then pass it to your CC company.

Sometimes you just gotta listen to that still small voice inside your head telling you that hey something's a little off here and that there's something really wrong about what they're doing. They trick people into believing that SM trusts and backs them up because they are situated in the mall and there certain celebrities invests in them. Why in the world they don't have commercials with these big names if it's true, anyway?

I knew I needed to stand for what is right so why should I fear? :); Sat Jul 17, 01:49:00 AM PDT
Anonymous said...: Hi, I guess isa po ako sa mga nabiktima ng pplic na yan. Yesterday lang. Habang iniintay ko ung kapatid ng bf ko npadaan ako at may lumapit sa akin at Hindi ko din maintindihan Kung bakit in an instant sumama ako.. Opo cguro nga katangahan tlga yun dhil nagpdala ako sa raffle promo nila! Hanggang sa magaling na sales talk at sa kgustuhan kong mtpos n usapan.. Puro oo at yabang sakin nung mga oras na yun.. Nagkamali ako at ndala sa salita nila at sinabi n chek LNG dw nila cc ko if ttanggapin ako mkasali at pagswipe ng cc ko cnbi na capable n daw ako.. Ung una ayoko tlga pumirma pero hndi ko maiintndhan at nakapirma ako hanggang sa inayos ang mga kontrata at ung mga insurance n for 1 yr at renewable daw. Kinkbhan na ako pero I still keep signing.. Endowment payment ang twag.. Chinarge sa cc ko 24,160 effective hanggang nov 1 tpos mag huhulog monthly ng 1,610. Ung 24,160 ang nbgyan ako ng receipt pero Ning tumtgal late sakin pinakitA na hndi pla makukuha agad ung pera intime na kailnganin mo. Sa loob ng 1yr makukuha mo Lang ay 7k+ dpat continues monthly ka naghuhulog.. Tinanong ko pa sila bago ako pumirma Kung 1yr mkukuha ko b lhat ng hinulog ko at oo daw pero after nlng iniinsist nila na magsign ako.after nun tska LNG ipinakita ung pwede ko makuha! Hndi ako umalis dun ng hndi nila pinacacancel ung transaction s cc ko they keep asking me bkit daw at sayang nmn daw. Pero I insist padin na ayoko na humingi padin ako ng psenxia na umabot kami sa pirmahan. Pero dhil tlgang kinabhan ako pincancel ko padin. Pilit nilang pinapauwi sa akin ung mga papers na nafilupan ko. Sabi ko Hindi ko na iuuwi dahil ayoko na nga kako ituloy. Hanggang sa pinakausap ako sa mnger at Kung anu2 pa sinsabi! Pero sinabi ko pdin n ayoko na.. Ang gnwa nila ay pinavoid ung naswipe na card at nbgyan ako ng receipt na void ung halagang 24,160. Paguwi ko sa bhay dumiretso kmi sa bdo para iinform ang ngyari.as of now floating pa daw ang transaction kya pintatwag ako sa hotline nila pra maconfirm Kung ncancel ba o Hindi. Ang sabi ng bdo Kung hndi daw ncancel ifax daw s knila ung receipt na ng galing s pplic. As of now kinakabhan padin ako at inaalala ko ung contract na npirmhan ko kasi wla akong proof na kinancel nila dhil sa kkamadali ko umalis pagktapos ko nrecv ang isang receipt na void ! Please help naman po kung paano ung mga contract na napirmahan ko. Balak ko na po kc ipaclose ang cc ko dhil sa ngyari. Ang inaalala ko po ay yung monthly na nklgay sa kontrata. Though as of now hndi pa ako sure sa resulta ng pagvoid n ngyari khapon. Saba po ay matulungan ninyo ako Kung anu ang pwede kong gawin sa ngyari sakin na ni isang copy ng papers na galing s knila ay hndi ko kinuha maliban sa recbo na void ung 24,160. Khapon po ngyari ung ng 4pm... Pinasulat nila ako sa pc of paper na pinapacancel ko ung halagang 24,160. Please help.; Sun Jul 18, 08:42:00 PM PDT
Anonymous said...: wah! I just sign up for this insurance company, help! I thought Philippine prudential life is A_OKAY! help me, what do I need to do? email me asap at sighcoe@gmail.com; Tue Jul 20, 07:13:00 AM PDT
Anonymous said...: Its me again, sighcoe@gmail.com!

Help me to cancel this asap, what do I need to do, please! They deducted 24160 at my debit account in BDO, and all those things. Help me! this happens on SM Megamall, :(; Tue Jul 20, 07:29:00 AM PDT
Jonha @ Happiness said...: Please refer to the post and the comments for the steps that I've made in order to cancel the policy. If you do it within 24 hours, they would return your money right away.; Tue Jul 20, 07:47:00 AM PDT
Anonymous said...: This is the letter I made:

July 21, 2010
Cancellation Department
Philippine Prudential Life
SM Megamall Building A

RE: Policy Number: PPL208039 Cancellation

After I consulted my brother-in-law, Atty. Edgar Feliciano, I was advised to demand for a cancellation of my insurance policy through this written notice. I would like the effective date for cancellation to be on the 21st of July 2010 (today). I would appreciate if I received a written confirmation of cancellation from your office as soon as possible.

I’m not interested with your Endowment policy after I thoroughly study it, and I could not afford the monthly premiums seeing I’m still a student.

The time frame (45 minutes) of discussion and explanation of the said insurance gave me an imposing feeling to agree immediately without giving any chance to consult my family member. The marketing strategy made me (the client) feels as if I’ve been rip-off the moment I step out of the office.

The approach is deceptive seeing as they mislead me into believing of a FREE gift without further explaining what it is really all about. There’s no chance to say ‘NO’ when the agents succumb me into believing that everything is okay, or if not would gang up around me.

After I painstakingly realized this, I don’t want to invest to this kind of company who would take advantage of anyone just to get a client, besides the fact that I could not continue paying for this policy.

Please reimburse the following as soon as possible:

Initial Endowment of P 19, 985.00 with official receipt number 0955984 dated July 20, 1010
LABB of P 2, 200.00 with official receipt number 0955985 dated July 20, 2010
MERCI of P 365.00 with official receipt number 0955986 dated July 20, 2010
Advance payment of P 1, 610.00 with official receipt number 0955987 dated July 20, 2010

Again as stated in your Policy number 11. This policy has a no-obligation warranty within a period of 15 days from the date of receipt off Policy (i.e 15-day free look period), during which period, I MAY DISCONTINUE with the Policy if for ANY reason I am dissatisfied.

If the cancellation and the return of payment is not process within a period of three days upon received of this letter, I would take a next step of action and publish this matter in written and broadcast media.

Thanks for your immediate action regarding this matter.

Thanks,

Name; Tue Jul 20, 10:05:00 AM PDT
Anonymous said...: Hello, I'm wondering what to do with the letter for the bank. Cause mine is debit card from BDO answer please!; Tue Jul 20, 10:06:00 AM PDT
Jonha @ Happiness said...: Well done on the letter of cancellation, very firm and well elaborated.

As for the debit charge back/ refund, that's exactly what happened to me. Just follow the steps on how to cancel and they will refund it to your card within 30 days (at least in my case). Please scroll up and see my comments on how I cancelled my policy.

When did you get the policy by thee way?; Tue Jul 20, 11:06:00 AM PDT
Anonymous said...: My mom is having a feat right now because of these... Im just wondering though that if after they cancelled everything, does it also mean they won't deduct anything from my Debit account for that monthly payment or something?

-sighcoe-; Tue Jul 20, 05:38:00 PM PDT
crablink said...: Internet can provide good information but it could also pollute your mind. I worked before with PHILIPPINE PRUDENTIAL and I don't think its a scam.; Wed Jul 21, 12:34:00 AM PDT
crablink said...: And if they're scammers, you will never receive a refund or whatsoever. Come to think of it.; Wed Jul 21, 12:38:00 AM PDT
Jonha @ Happiness said...: @-sighcoe-,

If you receive the refund, better have your card replaced, just to be sure. It's actually what my bank advised me to do.

@crablink,

Dear if you're trying to sanitize blogs, you sure have a heck of trying to do. I clarified that the company is legit but your dang marketing strategies are lame.; Wed Jul 21, 12:43:00 AM PDT
crablink said...: @jonha,See, so you think the strategies are lame now, huh. But why did you agree to sign up with the policy and your blaming the company strategy now for your decision? Isn't it your own choice when you agree to get the policy? Did anybody from the company threatened you in any way so you could sign up? Have you not been asked by the managers and consultants if you agree to swipe your card? Coz, darling that's the way its how and its now just a strategy, you will be asked more than ten times about your commitment and once you agree with it the manager will then confirm if you agree to deduct this amount from your card to your policy/savings. Did you answered yes with these questions? By the way, Scammers don't leave traces intentionally,see that participation of agents in your pictorial. And lastly, are you not responsible for your own actions? After 15 years, from then you will just realize that you should have continued the policy. I know soon you will delete this post. But hey my dear, don't you realize what your doing? Stay positive dear, that policy was suppose to help you.; Wed Jul 21, 05:58:00 PM PDT
Anonymous said...: Yes, the PPLIC is a legal insurance company, but it has somethig to do with your marketing strategy, it's seems that ur forcing ur customer to sign, they felt being harassed with that. But good thing with their contract, it gives a 15-day free look period, which means u can cancel the contract if ur dissatisfied with the policy which also includes the refund!.; Thu Jul 22, 01:42:00 AM PDT
Jonha @ Happiness said...: I definitely keep the comments of everyone who exerted their efforts to, even the spammers. I respect everyone's opinion as we are all entitled to our own.

I'm better off paying credible companies than entrusting my money with a company who has got nothing but poor reputation, agents that know nothing but sweet talk and after 15 years dear, I wonder if the company still exist, or if they would even pay what they promise.

It's all about people's prerogative. We have all the right, all the freedom in the world to choose the company that we will entrust our hard earned monies with.

I know and happy with the decision that I canceled my policy with PPLIC because I am now happily secured with an insurance company that has proven itself to be truly credible for decades. I just hope you are too.; Thu Jul 22, 02:47:00 AM PDT
crablink said...: You haven't answered any of my questions yet. Yes its your choice its your prerogative. Just please be careful with your words. And if you know how to read, and if you're fully knowledgeable with the history and existence of the company, you will never say that. Little knowledge can kill.

Why don't you ask that right from the INSURANCE COMMISSION.

Now why don't you tell us about your insurance?; Thu Jul 22, 05:57:00 PM PDT
Anonymous said...: @crablink: nagwowork ka padin ba sa pplic? isa ka ba sa mga agent nila na kumakausap sa loob ng office kung saan nkatalikod ang lahat ng mga bystanders na nahatak ng mga promodizer ng company nyo para tanungin nila kung meron ba silang credit card, atms or chekaccounts..at isa sa pwedeng manalo ng kotse at pera n WALANG ILALABAS NA PERA ang gagawin lang ay MAGFILL UP NG FORM AT MKINIG NG ESTIMATED LONG PERIOD TIME NA 45MINUTES para ipakilala lng ang inyong company.... at pag pasok sa loob ang gagawin nyo ay ang paulit ulit na hand shake at tapik sa balikat ng mga BYSTANDERS NA NAHATAK NG PROMODIZERS NYO SA LABAS NG OFFICE...sorry pero hndi ko msasabing client kami kasi hindi naman kami ang kusang lumapit at nagtanong sa raffle or any market na meron kayo... kya isa lang kaming BYSTANDERS.... not A CLIENT... na hinatak ng mga tao ninyo sa kbas ng office nyo! Isa ka ba sa mga AGENT sa loob na nagpakilala at kung anu2 ang itinatanong mostly income status ng NA ATTRACT NINYONG BYSTANDERS... at magsusulat sa papel anung dreams goals... savings mga gnyang topic.... tpos anu ang kya mong ipunin sa loob ng isang taon magkanu budget na kya mo.... sa umpisa you did not impose an insurance ang sinsabi ninyo is all about pagiipon with discipline...and it is for security...cguro nga insurance is insurance... maaring wla kayong maling sinabi regarding sa kwento ninyo sa mga NAAKIT NINYO.. pero hindi lahat ng dapat malaman ay sinasabi ninyo...; Fri Jul 23, 01:23:00 AM PDT
Anonymous said...: maaring tama ang sinabi mo na it is our responsibility also on our actions..pero hindi lahat ng tao ay parepareho... sa totoo lang dpat nagspecific kayo sa oras na bnigay ninyo kagaya ng pagsabi ninyo ng 45minutes na longer period time...kagaya ng mga kagaya mong agent ang sabi ninyo hindi naman kayo ang pinunta namin at tama kaya hindi nnyo dapat kami iharrassed sa oras..kasi hindi kayo ang nag waste ng time talking trbaho ninyo yun..pero kami nag waste kami ng oras namin..listening..ang masaklap it takes more than an hour...2-3hours of having ways to convince bystanders you've attract by the promo na WALANG ILALABAS NA PERA!!... you keep asking questions na gusto mo ba makaipon ng ganito ganire kelan ka magsisimula magipon..ngaayon o bukas... Sabi mo nag yes kami..tama ka..bakit if you were in our shoes wouldnt you say YES FOR THOSE QUESTION YOU AGENTS IMPOSED TO US... pero wala kaming sinabi na gusto namin kumuha o magpurchased on the spot... di ba obligation ninyo as good agent with good reputation company na bago mag pasign ay hyaan ang CLIENT magdecide kung gusto ba nila kumuha ng insurance...besides your purpose only is to introduce the company and its benefits..but ur not intend to sell it..thats why you AGENTS mislead us the real information we want to know...because sa mga salita ninyo you pushed us to agree with what all of you are demanding and saying to us... ISA PA... sabi mo WE AGREE TO SWIPE OUR CARD.. YOUR WRONG!!! YOU AGENTS TOLD US.. SIR/MAM/GANDA/ATE/KUYA WHATEVER NAME YOU CALLED BYSTANDERS..PAHIRAM AKO NG CARD MO TINGNAN LANG NATIN IF ACCEPTABLE KAYO NG BANGKO SA PROMO NAMIN..IF HINDI PO FRIENDS NA LANG TAYO... anither ways of misleading us.. we just thought your confirming it with our bank tru a call.. pero ang hindi namin alam na nswipe nyo na at yun pla ung lumbas sa machine..receipt..na nagcharge na kayo ng 24,160.. without getting our concern... na on the spot magchacharge kayo sa atms,cc namin... tapos kpag nahalata ninyo na nagulat kami or parang nagdadalwang isip na kami..bgla kayo may plalapitin na ksma ninyo at papakilala ninyong supervisors ninyo..at MAM/SIR CGE PO MAGSIGN NA PO KAYO BAKIT NYO NAMAN PINATATAGAL PA.. isang ways na hndi tamang gawin..dahil it was an aciton of pressuring the person to signed without thinking clearly..if it was right or he/she was beeing fooled by this agents!... TAMA KA MAYBE WE ARE RESPONSIBLE ON OUR OWN ACTION..PERO HINDI LAHAT PAREHO..MAY MTAPANG MAY HINDI..KAHIT AYAW NYA UNG GNGWA NYA KUNG MAY TAONG NAGPREPRESSURE SA KNYA NAPIPILTAN SYA..AND MOST OF THE PEOLPE NA NAUTO NYO TO SIGN MAYBE YUN ANG REASON...3 LANG NMAN ANG REASON BAKIT NAGSIGN EH 1. nagtanong sa inyo ng benefits at naging intersado at nagutuhan ang mga sinabi ninyo, 2. napilitan..kasi sa una okay but in the end npressure sa pagkuyog ng 2-3 person na nsa likod nya pra pumirma, 3. NAGTIWALA sa inyo...AS AN INSURANCE NA MAY GUD REPUTATION TAMA BA NA MAPRESSURE ANG MAGIGING CLIENT NINYO???? HINDI BA DAPAT NA MAM/SIR YOU ARE FREE TO THINK PO IF YOUR INTERESTED WITH OUR COMPANY BESIDES WE JUST BORROWED YOUR 45MINUTES OF TIME JUST TO INTRODUCED OUR COMPANY.. YOU CAN COME BACK HERE IN OUR OFFICE IF YOUR INTERESTED AND WANT TO GET ONE, FOR YOU AND YOUR FAMILIES BENEFITS.. JUST LOOK FOR MY NAME SO I WILL BE GLAD TO HELP YOU TO PROCESS YOUR INSURANCE.. diba dapat ganun hndi ung on the spot with a matter of minutes/ hours..paglalabasin ninyo kami ng pera... na hindi namin kinukunsulta sa mga magulang, asawa o pamliya namin..pra lang makuha ninyo ang gusto ninyo at maaring as AN AGENT YOUR COMMISSIONS!; Fri Jul 23, 02:00:00 AM PDT
Anonymous said...: now tell me..hindi mo masisisi kung ganito nag mga reaction ng mga tao nagpopost dito.. kasi hndi mo nmn naexperience ang npgdaanan nila... ang mga tao kaya nagiinsurance or nagiipon pra kpag kinailngan nila ay maasahan nila.pero paano magtitwala sa inyo kung sa umpisa palang napilitan pumirma ang mga naging client ninyo... hindi mo din sila masisi kung magisip sila na anu ang assurance nila na may mrerecv sila after 15years.... mahirap kumita ng pera.. kya hindi din ganun kadali maglabas ng pera sa loob lang ng ilang minuto ng mtatamis na salita na nanggaling sa inyo... maaring legal ang name ng kumpanya ninyo..pero sure ba na alam ng kumpanya ninyo ang gngwa ninyong strategy para mkpagahente at on the spot kuhaan ng pera ang mga nahila ng mga ksma ninyo s lbas.. na sa umpisa pa lang ay nagsabing WALANG ILALABAS NA PERA AT IPAPAKILALA LANG ANG KNILANG KUMPANYA..... pero kabaligtaran pagpasok sa loob kasi HNDI KA MKAKALBAS NG HINDI NILA NSUSUBUKAN ISWIPE ANG CARD MO...AT KAPAG GUSTO MO NA LUMABAS KAHIT SABIHIN NILANG MAY NAGIINTAY SA KANILA..HINDI KAYO NAHIHIYA SA TAONG NAABALA NINYO AT NAGHIHINTAY SA TAONG PINIPILIT NINYO MAGPASWIPE AT SUMALI SA INYO... KAHIT BSABHIN NINYONG HNDI PUMIRMA SA RECEIPT ANG CC NA ONCE NA SWIPE UNDERSTOOD NA MAY NAGING TRANSACTION NA PIRMHAN MAN O HNDI ANG RECEIPT..KYA KAHIT LAYASAN KAYO NAKAKUHA PADIN KAYO NG PERA KASI INSWIPE NINYO WITHOUT HIS/HER RIGHT KNOWLEDGE ABOUT IT... YOUR WRONG SAYING LITTLE KNOWLEDGE CAN KILL..THAT LITTLE KNOWLEDGE CAN HELP OTHERS NOT TO BE FOOLED BY THOSE PEOPLE WHO ONLY THINK FOR THEMSELVES.. WHO ARE GREEDY ON MONEY... SANA LANG HUWAG MANGYARI SAYO O SA PAMILYA MO O SA TAONG MAHAL MO SA BUHAY ANG GAWAN NG MASAMA... TANDAAN NINYO GOD IS ALWAYS GOOD... HE WILL NOT LET HELL DEFEAT HEAVEN... MAY MGA KARMA ANG BAWAT KASMAANG GNGWA MO SA KAPWA MO.... OK LNG TO PROTECT YOUR COMPANY WHERE YOU WORK JUST MAKE IT SURE YOURSELF NA WLANG MALI KAYONG GNGAWA KASI ANG KARMA HINDI AGAD AGAD BINBIGAY... UNG TIPONG HNDI MO INAASAHAN BIGLA NALANG AYAN NA KARMA NINYO!!; Fri Jul 23, 02:26:00 AM PDT
crablink said...: Yes I know I don't blame your. You pre-judged too much. how pathetic, I'm not working anymore in PPLIC. I'm currently in Dubai, Deira. I'm just concerned with the company because I'm still somehow connected with the company because I am also a planholder. Coz I know that the objective of the Owner is to help the people and make them realize how important saving is. What I'm telling you guys is a fact. How about you give me an evidence of your allegations. Why don't you show all of the readers a solid evidence.; Fri Jul 23, 02:59:00 AM PDT
Anonymous said...: what kind of solid evidence do you want? cguro sa sitwasyon sa lahat ng ngyari sa mga tao dito.. eh isa ang lahat ng comments nila..verbally lang ang kya nilang maging evidence..unless the agents/the company allowed to record all the conversation na ngyayari inside the presentation. kaso all people come in your office are all innocent wanting only for the freebies you offer outside the office and a free raffle entry..for a chance to win a car just showing a credit card or an atm... so the point is we are all not aware about what was done inside...if the company want to introduce the companys name bakit dapat one on one pa...at ung kasama ay iniiwan sa labas para magintay...well it was ur opinion... and this is our's kasi we experienced being inside that room... we are not pathetic and im not... im just stating a fact also...earning is hard so as investing money to a company that from the start has many -not so good allegations with different people experienced it... by the way if your a plan holder and this company can help you saving well then good for you...we just stick to our own opinion too like you... so dont tell us that we are pathetic and being o.a's coz as long money is involve its right to be paranoid and be obsessive thinking!; Fri Jul 23, 08:22:00 AM PDT
Jonha @ Happiness said...: @Anonymous:

You sure nailed it, couldn't agree more with all the things that you said. Those experiences were exactly what we all went through.; Fri Jul 23, 08:31:00 AM PDT
Anonymous said...: it is all about MONEY wala silang pakialam (AGENT)sa mga tao kundi ang kanilang COMMISSION.... yan ang totoo...; Sat Jul 24, 07:17:00 PM PDT
Anonymous said...: hindi nyo kasi nakikita ang value kung anong meron kau. ang savings na yan, para rin yan sa nyo. actually, ok lang nman if aayaw kau eh. pinaparealize lang nila kung anong meron tau, that we can maximize it while kaya pa natin. if hindi nyo nkita ung value, then dont save. wag na kaung manira. hindi nman kailangan eh. in the end, ur d one responsible of ur own actions. if you dont see it good ang pag ipon pra sayo, den bahala ka. buhay mo nmna yan eh. you choose what life you want to live. ikaw lang din nman ang yayaman o mghihirap balng araw. buhay mo nman yan eh. hindi mo na kailangan manira at i pollute ang minds ng iba kac hindi nyo nakita ang value. mga filipinos talaga, hindi open minded. palibhasa kasi, juan tamad.; Mon Jul 26, 01:49:00 AM PDT
Jonha @ Happiness said...: You have to right to tell everyone to shut up because we have every right to voice our thoughts and being duped and betrayed by the people whom we wasted our times. Who do you think is more lazy, the people who unfortunately trusted you or you guys in green who have to other intentions in life but to take "45 minutes only" times of our lives and lure us into signing something just for you to fill your quotas?

The people who have invested their monies are mostly OFWs and they could have used their monies better, invested them in much more yielding investment vehicles but you cunning and luring vultures took the precious 45 minutes that ended up 2-4 hours until we get drained and exhausted that we'd be lured into getting our cards swiped.

Don't try to tell us what to do because our existence and even the money we spend doesn't depend on you. If you don't want your "reputation" to be tarnished then you better fix yourselves and your lame marketing strategies. Don't go luring unsuspecting people. I am just sharing what I know to be true and it still depends to people reading this blog if they believe it. They draw conclusions on their own, we're not robots to be acted upon (like how you tried when you were still sweet talking).

You CANNOT sanitize blogs because the truth speaks for itself.; Mon Jul 26, 03:21:00 AM PDT
shiver said...: we're not sanitizing blogs either, as you said the truth speaks for itself, we're here to tell you the truth and nothing but the truth.

You talk as if you know everything, but I'm warning you again to be very careful. Just take care.; Tue Jul 27, 02:50:00 AM PDT
cha said...: naka avail na din ako ng insurance na yan sa SM north..
hindi naman nila e-swipe ang card ng without our kwoledge, tinatanung pa nga tayo at ung cashier meron din muna papepermahan bago e=-swipe ang card..
at maganda nmn tlga ung plan..; Tue Jul 27, 05:14:00 AM PDT
Anonymous said...: sa akin opposite pina swipe ako nang card bago muna ibinigay yung policy; Tue Jul 27, 05:00:00 PM PDT
Anonymous said...: I agree 100 percent with Altea. You got it right!; Thu Jul 29, 09:33:00 PM PDT
Anonymous said...: At may gana pa kayong ipagtanggol ang mga sarili nyo mga manloloko kayo! Pagkatapos nyong lokohin kami ito kayo't magsasabi sa amin na nakatanggap kao kesyo ng ganito, malay baa namin eh di ba nga mga employees kayo, baka binayaran lang kayo para magsabi na nakatanggap na nga kayo.

Kung magpapacancel kami ng policy namin ay panay ang harang nyo, kung manghihikayat lang kayo mababait. Walang hiya talaga tong Philippine Prudential Life na ito.; Sat Jul 31, 10:10:00 AM PDT
17arci said...: I just experienced this yesterday. This is one of the reasons why it's so difficult to trust people nowadays. :( i'm still stressed over what happened.. here's my blog entry: http://17arci.livejournal.com/760.html

i will soon alert the media about it, hopefully the SM management wakes up and realizes that it's not all about the money.; Sat Jul 31, 10:21:00 AM PDT
Anonymous said...: tama naman kasi si altea. kaya nga may 15 DAYS FREE OUTLOOK sila eh.
kung after talaga sila sa pera dapat di na lang sila nnagbigay ng ganung option.

Kung sa ibang company sila nagpunta walang ganung opton.
I agree with altea ang tanga talaga ng mga blogger.

if i know, ikaw lang lahat ang nagkokomet dito.; Sun Aug 01, 02:29:00 AM PDT
Anonymous said...: Hey who ever you are na nagsasabi regarding sa 15 days free outlook na yan...tumigil kana kasi siguradong taga PPLIC k!!

OO maganda magkaroon ng insurance for better future sana ayusin nyo yung marketing strategy nyo kasi nakakaloko na kayo eh!!! Wag nyo sabihin na qualified sila sa raffles kuno pero in the end bebentahan nyo lang pala ng insurance at sapilitan pa! Mas matindi pa kayo sa holdaper...kunwari pa kau na mabait yun pala hoholdapin nyo lang mga napapadaan at gusto lang sana magenjoy sa mall!!

Ang mabuti mong gawin sabihan mo angmanager mo na BAGUHIN ANG MALI NYONG MARKETING STRATEGY; Sun Aug 01, 08:25:00 PM PDT
Anonymous said...: gaga ka ba??? or born tanga?; Sun Aug 01, 08:58:00 PM PDT
Anonymous said...: Desperada kana dai. I bet d kana nakakatulog sa inis at galit. Ang tanga mo. Bobo ka tlga! CGe burahin mo rin to. at bka ikaw nman ang mabura sa earth.; Sun Aug 01, 09:15:00 PM PDT
Anonymous said...: wow ang sakit mo magsalita!!! parang sobrang talino mo!!! well siguro nga kasi kahit sino ay naloloko mo! mabura man ako sa earth at least alm ko di ako sa impyerno mapupunta..ikaw dito ka pa sa earth tuwang tuwa na sa iyo yung mga tao sa baba at inaantay ka na nila! dun ka nababagay!!!

kung sino ka man na taga PPLIC sana mawalan na kau ng lisensya sa Insurance Commission pra matigil na kayo sa panloloko sa mga taong naloloko ninyo!; Sun Aug 01, 10:20:00 PM PDT
Anonymous said...: I think they have resorted to another dirty tactic. I just got the following text message from Philippine Prudential. I immediately search the net about the company and I was right about my suspicion that it is a scam.
Message:
FINAL NOTIFICATION:
Gud day from PHIL. PRUDENTIAL. Your 3 Exclusive Reward and Privileges for FREE are still here in our office.You need to claim and Activate Today because the management will finalize all the records of our clients/recipients who dont claim their rewards. Foryour Claiming Code which you will need to present upon claiming: you may Call us exclusively in our Makati office from 9-5pm for further information ,pls call 02-7551532, upon receipt of this message. Thank you and God Bless, Contact person:Ms Samantha De Vera (DISREGARD message if claimed).

I did not bother calling them because I know that this is really a scam. They will just waste my time and money. To other people who receive such similar text messages, don't entertain them right away especially if you really don't have slightest memory that you avail of this or that raffle that you were informed that you won. If you really won a raffle, I believe that someone would actually call you and inform you about the details of the raffle. Nevertheless they would also present the DTI permit of the raffle that they organized.; Mon Aug 02, 12:14:00 AM PDT
Anonymous said...: di mo tinawagan kasi bka mapatunayan nilang totoo cla baka takot kang ma correct. takot ka din mlaman na kung d man tga PPLIC ang nagtext my gumagamit lang sa name nila because PPLIC is a big company maraming insecure sa tabi-tabi.

Mabasa sna 'to ng tga PPLIC ADMIN pra masampahan ka ng kung anong kaso nararapat sayo. Panira ka sa lipunan. Cguro tuwang-tuwa ka pag my nagtatanong pano magpa cancell ng policy.
Hahayaan ko kayo sa gusto nyo pero sna may maibigay ka sa mga taong nagpacancell dahil sayo, pag dating ng pangangailangan nila..

magdasal kna simula ngayon..Mahirap mkaintindi ang taong AUTISTIC AT BOBO. TANGA AT BALUKTOT ANG PAG IISIP. SLAMAT; Mon Aug 02, 12:53:00 AM PDT
Jonha Ducayag Revesencio said...: The thread gets more interesting as you PPLIC folks are revealing your true attitudes.

You only appear to be "Good" when you try and lure people but if someone tells the whole world how dirty your tactics are, you are going out of your shells and posting nasty comments (it only proves that though the company may be legit, its workers have no proper etiquette and attitude).

One of your employees even admitted that she doesn't have an insurance policy with you, because all you do is just try to trick people into buying a policy that you yourselves couldn't afford and wouldn't avail because you yourselves DO NOT trust your own products.; Mon Aug 02, 03:19:00 AM PDT
dimaks75 said...: What could you charge a person whom you stole precious time from using your sugar coated introductions? this girl is not even entitled to stress herself from waiting a for over-a-month just to get her money back. She deserves to get it, just as fast as you took the amount her from her.

why couldn't you just say directly that you are selling an insurance policy and if they would allow, you would like to introduce your company instead of showing people some cheap freebies as baits?

If Jonha lamented on her disappointment with your insurance policy, it is her right, as well as her expression of the same here in her own blog.

these same people wasted our time a few years ago. the same approach and baits, and of course, the never ending "it will take..so so minutes only". Daym! we entered the office and waited with that cheap iced-tea and a tote bag freebie at around 5pm - guess what! we got out at almost midnight! wasted big time!; Mon Aug 09, 11:46:00 PM PDT
rochel said...: Hi! I'm the first anonymous, sighcoe that is. I already filed the said charge back, but until now wala parin.

To another anonymous, I couldn't agree with you more. Lalo na ung pag swipe, parang wala ka ng choice.

In regards with those who had been previously employed sa prudential life, siguro po hindi nyu alam ginagawa ng mga agents nyu. I know that the insurance company has been awarded as superbrand, pero ung way po ng nga agents nyu hindi tama. Nakakasira po sila sa company nyu. Cause other insurance company would give you days to decide and let you ask other people in regards with it, hindi po natatapos ung ng 45 minutes lang.

Nakaka frustrate kasi until now I consider it as one of my biggest nightmare. And you can't stop us from saying what we feel, this is our point of view. Pede naman po na gumawa kayo ng sarili nyung blog to promote it, but you can't stop people who felt cheated na mag post.

You should choose your agents din, kasi from the conversations I had, most of your agents are only HS grad. But they're really good on convincing, grabe. Kasi nung paglabas ko nung office, parang nabuhusan aku ng malamig na tubig saka ko na realize what have I done?

The best thing to do siguro ng company is not to let the future client decide on the spot, give them time to think, and consult with other people. kasi pag ganun, parang nanakawan ka mismo sa harap mo. And kahit may 15 days look up, ung pagbalik ng pera ang tagal sobra. panu kung kelangan mo pala?; Wed Aug 11, 11:29:00 AM PDT
babyadrinne said...: Grabe.. NA SCAM ako! This happened lang today at SM MEGAMALL me and my bf were just walking and planning to watch a movie,when an agent called our attention.. (Same with all your stories, the car, the frebbies, the 45mins presentation,the number combination game, and the NO MONEY INVOLVE! Im also a type of a person who can't be decieved easily. BUT this time I WAS! We were just excited about the game and the frebbies that's all. The agent who's assign to us was very polite from the beginning, I also noticed the" eye contact and the hand shaking strategy". For the 2 hrs of listening about her idea about the future, and told me about the policy. I started to get confused because at the end i felt that she was forcing me to avail the policy although I told her that I DON'T want since my job now, is not that stable. She kept asking me..why? and why? I said i don't want to commit with this kind of policy and having a saving in the bank is enough for me!I told her also during our conversation that I have to think first and I need time to decide, but she's insisting that the offer was only for TODAY and why waste the oppurtunity? Btw, I used my Credit card.. I felt that moment that were like being trap and we can't get out unless I sign! Grrh.... eventhough I said NO, the next thing I knew was I'm already completing and signing the form. And you guys were right, we're not their CLIENT we're just a BYSTANDERS who happened to pass along their way, and waste our time and just get our money that easily! We don't find/search you people from the PPLIC.. YOU find US!!
Although they don't get that big amount from me which cost 6650 and 1610 monthly,I am still uncomfortable for what I DID, because it was NOT AT ALL IN MY PLANS!! And the moment we step out from their office I was like thingking WHY did I do that???

Here are some actions I would like to take:
1. I don't wanna go back there..
2. I will call the BDO tommorow and ask what are the possible ways?
3. Pay all my dues and CUT my account?
4. Will call the PPLIC and told them i was not satiesfied.
5. GUys, do i really need to send back all these documents if i succesfully cut my account?

Tama ba mga gagawin ko? Please advice me!!; Tue Aug 24, 09:06:00 AM PDT
Kristel said...: I knew there was something really really wrong. Just like you I'm one of them who was lured and deceived by this company. I just signed today using my atm. Naweirduhan din ako kasi wala ako nung kadala dala ID kundi yung atm ko lang. Tapos napproved pa rin pati yung guy parang habang nageexplain lagi sinasabi or in a way pressure ka na kunin mo kasi depende kung ma-approve ng bank. I really find myself stupid for what I did but I'm hoping mabalik sakin yung 30k ko since within 24hours pa naman sya. On the spot ba nila Buti na lang niresearch ko agad. A little problem lang kasi walang bangko bukas so I can't close my account. I called Metrobank naman, wala naman namentioned yung officer regarding similar case. I asked if they have received such reports. So tomorrow, I'll go there with my cancellation letter and my mom! Haha. Guys, please also advice naman kung ano mga tactics nila to pursuade not to cancel your policy. Medyo mahina ako mag-reject ng tao eh. Pero I'm decided to cancel na. Katakot! Tska, meron na rin kasi akong other foreign policies. Naisip ko lang kasi na magkaroon din for my Phil account. Hay, ayoko ng magpaloko!; Fri Sep 10, 09:47:00 AM PDT
openid said...: OMG! This just happened to me a few hours ago, and guess what? 25,000 was charged to my HSBC credit card. I called HSBC if I can cancel this. I was told to cancel the plan with Philippine Prudential. Nakakainis! So pahihirapan nila ko sa pagpapa cancel nyan? I hate it! Stinorbo nila ang mga activities ko kanina para dito. Can you give me advice. Hassle talaga!; Sat Sep 11, 07:33:00 AM PDT
babyadrrine said...: hi kristel, well 6 days pa after ako nakapunta sa office kung san ako naloko.. sa MEGAMALL kaw san ba? ayun, kakausapin ka ulit nung agent na nag convince sayo sa isang room, then kakausapin ka ulit ng manager and whoever pa. Pero in my case since mga 11 am ata ako nakarting dun and persistent tlga ako na i cancel yun, kahit anu explanation nya ang sagot ko lng ayaw ko n nang mhba explanation and discussion about sa policy nila basta gusto ko icancel na agad nila.. wag kng magpapasindak basta sabhin mo ayaw mo kase napilitan ka lng that day and narealized mo na ayaw mo xa kunin.. and dont forget to bring your cancellation letter, yung sakin dnuplicate ko na tpos pa sign mo na narecieve nila then yung statement of account na may status na cancelled upon inception.. that's it! be firm with your decision and wag kng papayag sa mga gusto nila..ok? kaya mo yan!!; Sun Sep 12, 07:54:00 AM PDT
dada said...: Thanks Johna for this blog, this helps me gave an idea how to cancel my plan. I already canceled it yesterday they are trying to talk to me and courage me not to cancel but i said NO my decision is fixed and i want to cancel it. I was victimized of this last Sunday they lured me for a freebies and a Honda City to win.; Tue Sep 21, 07:05:00 PM PDT
emjey said...: just want to ask, pano po pag ATM ang ginamit sa pagbayad?.. mairerefund pa ba un?.. nid help po.. thanks!; Sun Oct 03, 12:42:00 AM PDT
annmay1 said...: thanks god for this blog..need to cancel mine ASAP...just sent a message to my lawyer friend..maybe she can help me..need advice too..thanks..; Tue Oct 12, 05:31:00 PM PDT
cloudstrife1ph said...: ang tanga ko!!! nagpauto ako at hindi ko alam bakit...

may pakiramdam na ako na parang wala ako sa sarili ko dahil hindi ako papatol ng walang sapat na time mag research...

ano ba maganda? sindakin ko na sa letter o maging nice muna ako at on the spot nalang mansisindak pag nangulit sila?

ano-ano bang ahensiya ng gobyerno ako pwede lumapit para magamit ko panindak?; Tue Oct 26, 12:35:00 PM PDT
cloudstrife1ph said...: success ako! na cancel ko na after 1 1/2 hours na paikot ikot at pang uudyok sa akin ng 3 scammers. yung supervisor nila or something eh sinubukan pa ako i intimidate like "hindi mo ba kaya magdesisyon para sa sarili mo" or "i think may iba ka pang rason"...

i think alam niya ang blog mo miss jonha. lagi niya sinasabi na natakot ako dahil sa mga write ups sa mga blogs about the company...

yung ikatlong scammer pinapa modify yung letter of cancellation ko. sabi kailangan specific daw para mapabilis yung process or something like that. i refused. sabi ko "hindi pa ba sapat yung reason ko jan? (not comfortable with the company and tutol ang family). nakalagay sa section 11 na ANY reason. kesyo mababaw o malalim na rason, specific o hindi, bottomline is reason ko yan. sabi any at hindi be specific..."

the only problem now is to block the transaction and change my card...

i have a question miss jonha, hindi ba natin pwede makuha lahat ng forms na na fill up natin? pati yung extra copies nila? feeling ko pwede gamitin kasi for other purposes yung personal infos eh...; Wed Oct 27, 06:16:00 AM PDT
LadyInWaiting said...: Hi Guys!

I want to thank all of those guys who commented sa blogs and those who made their experience public. I was tricked into getting a plan last friday, and after I learned na scam nga I panicked. Sinunod ko mga advice niyo and I prepared the cancellation letter and photocopied all the files and went to their Main Office. And thank God, in less than 20 mins in their office, they provided me with the SOA proving that the status of my plan is "Cancelled". I'll wait for 30-45days for them to contact my CC company to revert back the payments I made. I've also informed my CC/debit companies[the ones I used for the monthly auto-billing and initial payments] and declared them as lost. For security purposes lang din. :)
So guys, good job sa advices niyo! Cheers!
Si Lord na bahala sa mga manggagatcho! haha!

Cheers!; Thu Nov 11, 10:45:00 PM PST
LadyInWaiting said...: Hi Guys!

I want to thank all of those guys who commented sa blogs and those who made their experience public. I was tricked into getting a plan last friday, and after I learned na scam nga I panicked. Sinunod ko mga advice niyo and I prepared the cancellation letter and photocopied all the files and went to their Main Office. And thank God, in less than 20 Mins in their office, they provided me with the SOA proving that the status of my plan is "Cancelled". I'll wait for 30-45days for them to contact my CC company to revert back the payments I made. I've also informed my CC/debit companies[the ones I used for the monthly auto-billing and initial payments] and declared them as lost. For security purposes lang din. :)
So guys, good job sa advices niyo! Cheers!
Si Lord na bahala sa mga manggagatcho! haha!

Cheers!; Thu Nov 11, 10:47:00 PM PST
mt230144 said...: Hi guys,

I was tricked and coerced by them even after I said NO for more than three times. In the end, they got to debit my ATM payroll account for P3,3365.. and initial payment pa ln daw yun, hindi daw mababwasan ako monthly saka ln daw mababwasan pag na upgrade ko na ang policy to P6,650 or 9K+..so wala pa syang 24 hrs.. makukuha ko ba ng full refund ang binayad ko kahit initial payment ln ang ginawa ko.

Thanks :)

Aggravated girl; Fri Nov 12, 05:56:00 PM PST
Jane said...: I was tricked and got my ATM payroll account debited for P3,365 even after I said NO so many times. They wudnt let me live unless I take their offer. It was yesterday ..so wala pang 24 hrs from this time gusto ko syang i cancel--kaya ln natatakot ako na hindi nila ako bigyan ng refund Please help!..and sabi yung 3k ay hindi pa babawasan ang account ko every month saka ln sya mababawasan after ma upgrade ko daw ang account ko, initial payment ln sya.

Aggravated girl; Fri Nov 12, 06:08:00 PM PST
Carnation said...: just read this..iba naman ang Prudential life? thanks for info; Sun Nov 14, 05:53:00 AM PST
mp said...: Hi! I need help! I was lured into signing a policy (endowment plan) kagabi, Nov. 20, 2010.
Pag uwi ko, naisip ko parang mali yung decision ko. It cost me P14 529 from my atm payroll account sa landbank. Nakakainis, Sabi kc ng agent, if i-aallow lng nman ng landbank, yun pala ang ibig sabihin nun, iwiwithdraw/ agad sa atm ko..What should i do?

-thanks!

mp; Sat Nov 20, 01:30:00 PM PST
Ashley said...: Interesting article to read. Thank you so much for the post! I am hoping that people would now be warned from the said insurance company. Again, thanks for sharing this to us. Keep it up.

Ashley

personal financial planners; Tue Nov 23, 12:50:00 AM PST
Anonymous said...: hi its funny coz we have the same story as in pareho.... i am so paranoid about those kind of things pero na lure pa rin nila ako to sign it. please help me kung ano dapat gawin. thank you; Mon Nov 29, 12:57:00 AM PST
Anonymous said...: Hi Jonha, Just call me Dino. Nabiktima rin ako last November 24 sa SM Megamall Branch. I did the steps mentioned above. Just want to ask doon sa step 5:

5.File a dispute or something like that to your credit card company so they will not charge you.

QUESTION:
1.BPI atm kasi ang naswipe sa akin. Do I need to do this STEP 5?

2.I did step 1 to 4. How frequent mo sila tinatagawan before mo narefund yung money mo? or I just need to wait...

Hope to reply me soon...

Thanks for the blog.; Wed Dec 01, 05:51:00 PM PST
sholay said...: they are not really a scammers. i know how you feel. ive been a plan holder for two years. i haven't seen any wrong about them. the promos are true, but i was not able to won the prizes. hope they have a promo for plan holders so that i can join again.:) i think they would'nt exist until now if they were scammers. and FYI also that SM and other malls would not allow them operate for many years if they really are scammers. -mrsholay-; Fri Dec 03, 08:48:00 AM PST
eve.south said...: hay....salamat....i might be one of their victims..i might be one of you if I didn't listen to my sister's advice regarding this Prudential life insurance,nka tanggap din ako ng text from PPLIC to claim my rewards daw today...i wonder how come i could get any rewards?somebody referred me to their company in their text buti nlng makulit ako...i've mentioned talaga in my reply to their text if its a SCAM syempre di nila sabihin na scam di ba they try to convinced me its true...to make the story short ...am so grateful i've read this blog and it happens na ang victim is also from our church salamat sister for sharing and for warning others...malaking tulong talaga this blog...we have to be wise this days ...be keen in observing their tactics...thank u so much i was not deceived...; Fri Dec 03, 10:32:00 PM PST
rick said...: naharang din ako nyan sa mega mall 2 weeks ago. sobrang duda ko talaga na isang company magbibigay ng kotse or $10k at trip to macau ng ganun lang. sabi promo...i doubted, pero gusto ko mag usisa.. so nag try ako..the funny thing about it, pinag susulat pako ng plans ko in 5years...di ako nagsulat..sabi ko bakit ko i shae-share sa inyo yun eh your a toatal stranger to me..sabihan ba nmann akong ass hole...although pabiro..
i took it seriously..medyo sumimangot nako den binola nanaman ako..asked for my credit card..then nung nasa counter nakami..sabi ko..sa girl.."diba nung una sabi nyo wala akong ilalabas na pera makikinig lang ako, bakit ngayon pinapa-swipe mo ang card ko..then she said.. "it's for your future naman eh.." for my future or for your benefit?....hahahaha! i laughed talga kasi nagulat sya na di nya ko magoyo kahit anu pang pambobola nya...NOW WHO'S AN ASS HOLE BITCH!.....; Mon Dec 06, 09:28:00 AM PST
Liza Katrina said...: Well, natelevise na sa xxx ung knilang scam! Gosh, nabiktima din nila ako last aug28, thank god my bf nagwala sa lobby nila kaya pinaalis nalang kami, though kinuha nila credit card ko, la nman nabawas!; Mon Dec 06, 09:32:00 AM PST
bluecherub said...: hi there!thanks alot for the cancellation steps uve shared. i was lured in cagayan de oro but i reside in davao. do you know how can i make the cancellation possible without me going in cagayan de oro? i only went there to get something but sa kamalasan eh i bumped into some people in tailored suits from PPLIC.
i learned that they dont have a branch here in davao but im still hoping to make that cancellation possible. can you help me?; Mon Dec 06, 10:05:00 AM PST
James said...: Sa mga kababayan nating naging biktima ng scam na ito... panoorin po ang Mission X episode nung 06 Dec '10 .. link below.

http://www.pinoytube.tv/action/viewvideo/18775/XXX_12_06_10_Courtesy_of_ABS_CBN/

Magreklamo po tayo para makuha natin ang perang pinagpawisan natin.; Mon Dec 06, 09:56:00 PM PST
Sheiryl said...: Hi. i just want to share my experience...november 10, 2010 sm north annex nmn ako...nswipe card ko ng 7,015...... then bumalik ako nung nov 13, to cancel it, sabi nung agent wla daw assurance kng mairerefund ung charge sakin.. ngbgy xa option downgrade into 1 unit coz ung 7015 is 7 units daw.... ang mccharge sakin is 3700+ nlng then pumayag ako coz akala ko un nlng ung option para may makabalik saking money then 30 to 45 days daw ung charge back...naiinip at natatakot nako lalo na nung nabasa ko posts dito....what else can i do pa kaya para mabalik ung nacharge sakin........please help me........may sakit pa nga ung dad ko right now so i really need money tlga.......haiisss grabe......please help me.; Mon Dec 06, 10:16:00 PM PST
bhongdj said...: napalabas kanina sa channel 2 sa XXX, madaling araw pinalabas. yung nag complain na refund nya. nabiktima narin ako dito, nakipag away pa nga kami sa mga staff at managers nila. without any permission nag swipe sila sa credit card ko, inubus nila credit limit ko. buti na lang nadun asawa ko, inaway namin sila, dikami umalis sa hanggat hindi nila na void yung na swipe nila. yung pumupunta ng SM, ingat kayo sa mga nagtatanong kung may credit card, at nag aalok ng free raffle at bigyan kayo ng wallclock and freebies. THEY ARE SCAMMERS!!!; Tue Dec 07, 12:43:00 AM PST
Jonha Ducayag Revesencio said...: ANSWER TO DINO:

Hi Jonha, Just call me Dino. Nabiktima rin ako last November 24 sa SM Megamall Branch. I did the steps mentioned above. Just want to ask doon sa step 5:

5.File a dispute or something like that to your credit card company so they will not charge you.

QUESTION:
1.BPI atm kasi ang naswipe sa akin. Do I need to do this STEP 5?

2.I did step 1 to 4. How frequent mo sila tinatagawan before mo narefund yung money mo? or I just need to wait...

Hope to reply me soon...

Thanks for the blog.

Hi Dino,

If you're using a Credit Card, you still NEED to file a dispute. It is NECESSARY for all credit card transactions so they won't have to charge you.

Frequency of Follow up?

I have my mom call them like almost everyday so they would not forget about my complaint and their obligation to refund my money as I have already done all the necessary steps in returning and terminating the policy.

Wag po kayong pasindak sa kanila when they tell you na hindi pwedeng ibalik, OF COURSE you can! It's your policy!

Kung walang branche sa area nyo:
I'm sorry but you have to process that in Manila or their main office. Teka, san ka nila nahikayat kung ganun?

I hope everyone who wish to cancel their policy would get their money soon just like I did. Also, please spread the word para maiwasan na tong ganito.; Tue Dec 07, 04:04:00 AM PST
Pilipinas said...: Year 2009 when I encountered this at SM North Edsa. Good thing I declined their offer.

All reports/scams regarding insurance should be reported immediately to Insurance Commission.

Reposting: December 6, 2010 Episode of XXX.

http://tvshows.pinoyberkz.com/2010/12/xxx-december-6-2010.html; Tue Dec 07, 07:11:00 PM PST
Philippine Prudential Life Insurance Company Inc. said...: To All Concerned and the General Public:

Please refer to and access the Official Statement of our Company as posted in our official Website with regard to the XXX episode on December 07, 2010 by clicking the link below:

http://www.philprudentiallife.com/pplic-open-public-letter-on-xxx-06-december-2010/

Thank you,

Customer Service Department
Philippine Prudential Life Insurance Company Inc.; Tue Dec 07, 07:30:00 PM PST
Jayson said...: i watch this tru TFC....wag kayong mag paloko sa mga buss. strategy nila.......biruin nio....raffle then napunta sa insurance????anong connect...isang kalokohan to....mga kababayan ko specially na sa middle east may idea na kau sa company na to...; Fri Dec 10, 10:31:00 PM PST
aby_liageba said...: Hi Ms. Jonha,

Nagsubmit na ako ng letter of cancellation. then, nagprovide na rin sila sa aking ng SOA na nakalagay eh cancelled from inception
as per them mga 30-45 days daw ang process pra maayos ung sa cc ko
ask ko lng if i really need to do a letter of dispute.
di kasi nabanggit nung sa PPLIC eh.
basta sabi nya tawag lng me mga 30-45days.
please advise po para magawa ko na rin asap.
thank you very much for your help.; Sun Dec 12, 11:57:00 PM PST
Clydie said...: How can i get back my money from those scammers??? :(; Mon Dec 13, 01:24:00 AM PST
efey-kuting said...: hi thank God i thought of checking of the company in the net and i saw your blog..same thing happened to me.i was walking in megamall A last 13 dec 2010 when 2 guys/gays approached me and asked me if i have cc..i usually snob the sales agents inside the malls but i don't know that time why i was able to talk to them..same thing,they told me to just listen to their company's profile for 45mins..i told the company's reps that i don't have enough time but they said i can just stay there for 15 mins..so i agreed..before that they let me sign a paper telling that i will finish the 45mins company briefing.then i asked again why there's a "WILL" so it means that i need to finish the said briefing..but the reps said again that it will not take 45mins..when i came inside a rep named JENNIFER assisted me and made all the talks..i was keep on telling her that i don't have enough time for that because i still have an appointment but she kept on talking until we talked about a trust fund..so i got interested bec i was planning to get a fund(mutual/trust)..to make the story short,they were able to let me sign on their contract..all of the other agents approached me and shake hands with me and even announced my name and congratulated me when i signed..they took 64,700 from my BDO debit card..and let me sign for an auto debit of 4600/mo.they kept on explaining about the papers that i signed but was not able to understood fully since i was in a hurry and they already took 2hrs of my time instead of 45 mins..

thanks for all the info in cancellation this darn scam..; Sun Dec 19, 10:57:00 AM PST
percival said...: hi miss jonha,

I was one of those unfortunate people who was victimized by this company. Yur blog is very informative and a great help that I decided to file a cancellation letter tomorrow. May I ask what part of the contract states that I can cancel the plan within 15 days because I cannot locate it on my contract. :( the plan that I was forcefully availed is WEALTH BUILDER PLUS. I hope i can get a reply from you as soon as possible because I only have two days before the 15 days period expires. Thanks and keep on fighting!; Mon Dec 27, 09:24:00 AM PST
Raine said...: Hi Jo. I would like to seek your help on this Prudential Life scam. They also victimized my brother and sister-in-law and they already forwarded a cancellation letter to the head office via email. I was told by Carla and MJ to give all the documents to the branch but when I got there, this Roxanne Acosta only received the letter and did not get the documents that I brought in with me. They are all LIARS!!! The amount deducted was through credit card. This Roxanne told me that this Jeric Pedraza from their head office will call my sister-in-law who's now out of the country to talk her out re policy. Kindly help me with this please...you can reach me through email brynhild_dawn@yahoo.com. thanks; Mon Jan 03, 01:29:00 AM PST
Pilipinas said...: They are again featured in XXX last January 3, 2011...

http://tvshows.pinoyberkz.com/; Wed Jan 05, 12:05:00 AM PST
jtwong said...: hi! ako rin nbiktima.. mga 50 k n rn nhulog ko..sb nila during the orientation d cla ngiinitiate ng termination..ininform ko cla about my plans to study another course...ngaral ako..gooing 3 yrs na..sb nila wlang problem... all of a sudden (without notices) tinerminate nila account ko... pano ko kaya mrrefund pera ko..ngfile ako ng complaint s knila... sb nila reinstate ko nlng..ayoko n nga..dhil d n ko tiwala..i hope mtuliungan nio ko..; Thu Jan 20, 12:12:00 AM PST
honey said...: Im also a policy holder of Philippine prudential life insurance co. inc. or PPLIC.

Im so confused kasi niserach ko sa google and aside sa mga bloggers eto mga nakita ko diko talaga alam kung sino paniniwalaan ko.

http://www.manilastandardtoday.com/2009/april/30/business2.htm

http://www.abs-cbnnews.com/business/04/29/09/prudential-life-clarifies-not-related-prudentialife

http://www.philstar.com/Article.aspx?articleid=563802

siguro nga dapat check ko kung talagang legit sila plano kong pumunta sa office nila this week; Wed Jan 26, 06:16:00 PM PST
honey said...: guys, policy holder din ako ng PPLIC diko alam kung sino paniniwalaan ko...

nagserach ako sa google at may mga nakita akong sites tulad nito

http://www.manilastandardtoday.com/2009/april/30/business2.htm

http://www.abs-cbnnews.com/business/04/29/09/prudential-life-clarifies-not-related-prudentialife

http://www.philstar.com/Article.aspx?articleid=563802

panget nga siguro marketing nila pero baka naman legit sila? hays, Grabe diko na alam!! pls help me member ba sila ng insurance commission???; Wed Jan 26, 06:21:00 PM PST
boy bulag said...: Hi all...para sa mga nabiktima ng PPLIC..you can reach out to the Insurance Commission. May stop order na daw mula sa commission for them to stop the way they sell or "cheat" people into buying insurance.. Pero talagang matigas ang ulo nila...

Please file a report sa Insurance Commission para matigil na ang pangbibiktima nila...kawawa naman ang mga biktima nila..

http://www.insurance.gov.ph/; Sat Feb 05, 06:27:00 AM PST
Anonymous said...: Shocks yesterday while me and my friend walking outside SM NORTH,someone approched us from PPLIC telling us na don't worry and di sila magbebenta,maglalaro lang daw para manalo ng trip to Macau and car..and everything follows..Ang sa akin lang ay sa 45 minutes na iyon ay makiking lang ako sa presentation...i dont't know why sa lahat ng sinasabi nila napapa-oo lang nila ako..i know di ako ganon...di ko alam kung bakit all of a sudden prang feeling ko iba ung sinasabi ng utak ko pero iba sinasabi ng bibig ko...After I walked out of the Office, I just realized how stupid I am to get that stupid crap... I told it to my friends and they told me maybe i was hypnotized, they said company maybe legal and true pero kung di nmn bukal sa puso ko ang pagbabayad sa insurance,better stopped it..guys please help me..Meron pa nagrerecord thru video for the last process wherein kinakausap ako ng Manager...paglabas ko talaga ng office..sobrang nagsisisi talaga ako..i hope you could help me..this is my email add..cheddyced27@gmail.com; Mon Feb 28, 02:38:00 AM PST
Anonymous said...: Guys please help me..I really think i became also their victim..7,600 agad nabawas sa atm ko...don pa lang mali..ang sabi ko ay gusto ko over the counter pro pinipilit nila ung auto debit..please help me..cheddyced27@gmail.com; Mon Feb 28, 02:42:00 AM PST
Anonymous said...: wtf?? im the newest victim of this scam... help me please... nbiktima kmi n2 sa megamall... 10015 ung nkuha nla sa akn.. mre2fund ko pba un ska ilng araw bgo nla irelease ung refund since 2 days plng ung nka2lipas mula ng ngsigned ako ng contract; Sat Mar 05, 08:26:00 AM PST
Anonymous said...: same offers, same attires, different faces. me and my wife almost became a victim of the same scam a year ago at SM Megamall Manila. the funny thing is, the presentor (forgot her name) got angry when we turned down the offer. what's worse, when we ask to leave, we were referred to their so called "counselor" to make us reconsider our decision.; Mon Mar 07, 01:47:00 AM PST
jess said...: Hello Miss jonah

Ive been a member for a almost a year and I am planning to withdraw my policy membership. tanong ko lang is nakiride on lang ako sa credit card ng friend ko paano ko bah makuha yong refund ko?; Wed Mar 09, 07:22:00 AM PST
Anonymous said...: Just this morning, i received a text mesage coming from a certain Winnie Catindig. He's an agent of PPLIC. Natatandaan ko, palagi akong nakakatanggap ng ganung klase ng txt message. Binabalewala ko lang. Kaso kanina, i got curious. I called him. Nagpakilala sya... Then sinabi nya ung mga rewards na matatanggap ko. Life insurance at college plan. For free daw. He asked for any gov. I.D. and company I.D. I told him, i have only my postal I.D. Then he asked kung my creditcard daw ako. Then i said yes. He even asked the issuer of my c.c. Para dw malaman nila kung approve yung bank issuer. Pati credit limit ko tinanong nila. Then he asked kung papunta na dw ba ako sa office nila. I said i was too far from their office. Sabi nya, tomorrow na lang. He asked me the exact time. Although i have really no plans of coming, i gave him a specific time. Then he asked my full name. Tapos, tinapos na nya ung paguusap namin. Only that time that i realize, kung my nagrefer saken, bakit pa nya kelangan hingin ang full name ko? I felt so stupid. Kaya i decided to search something about their company. Its a gud thing i read this blog... Thanks for posting. Beware for those who receive such kind of txt messages coming from PPLIC.; Wed Mar 09, 07:31:00 AM PST
Anonymous said...: HI MS Johna, I just want to ask on how to prepare Letter of Dispute for my credit card company. Actually I am one also of their victim. I will process the cancellation tomorrow. Thanks for the tips and hardwork to open our awareness on this issue. Kasi pag nandun kana talaga at ginamitan ka ng mga sales spills, wala na eh.. mahohook kana... Anyway, they're using reverse psycho on attracting clients to sign up. By the way, my email address is nakedangel_12017@yahoo.com. Thanks; Sat Mar 12, 12:47:00 AM PST
Earn-On-Line said...: HI MS Johna, I just want to ask on how to prepare Letter of Dispute for my credit card company. Actually I am one also of their victim. I will process the cancellation tomorrow. Thanks for the tips and hardwork to open our awareness on this issue. Kasi pag nandun kana talaga at ginamitan ka ng mga sales spills, wala na eh.. mahohook kana... Anyway, they're using reverse psycho on attracting clients to sign up. By the way, my email address is nakedangel_12017@yahoo.com. Thanks; Sat Mar 12, 01:24:00 AM PST
Anonymous said...: Yes i got scam from that business that pplic whatever they call it. damn! they got me but in my heart i wasn't so sure about it i didn't leave the mall until i didn't get my refund. i went to the mall to get my husband philippine flag. but i didn't know how did i get in to that scam it happen too fast. but before i leave the mall i made sure i got the money back. the time from 10:00 am to 9:00pm. i was under a lot of stress that day i can't believe they got me. i called my husband all the way to the middle east to cancel all the credit cards. i was so angry! i learned my lesson.. i'm so glad i fixed right away... bunch of scammers!!!!! they asked me for endowments savings for 11,000 peso..; Mon Mar 14, 12:26:00 AM PDT
Anonymous said...: This people at PPLIC are bunch scammers!!!!!! i've been there the other day and they got me but they took 11,000 peso but i got refund at the same day i didn't get out of that office with nothing i made sure i got and i did.. my friend made up story and they got scared so they gave me the money right away.. when you get out from that office and you realize you made a mistake don't be scared! don't be shy be strong and get your money back right away don't wait till the next day.. they are not god to be scared of... i was so ashamed to ask the refund but i didn't care it is my money and the one thing i don't like is the scammers!!!! so i came back and get the money no matter what! and i did.; Mon Mar 14, 12:35:00 AM PDT
Anonymous said...: last sat sa SM pampanga sila ganyan din ang modus skin bading nmn ang agent JASON dw name na iswipe nila ung atm ko at nakita ko balance ko dun/...and after that ngkukwento na sila ksma ko asawa ko pero duda na ako pg upo nmn about sa pakamay kamay nia kaya nakikinig lang ako pero ngdududa na ako...di nila ako napapayag sa kahit anung insurance nila pati sa ngipin dw 1000 lang wala ako pinirmahan kahit isa...paglabas namin ng offis nila ni withdraw ko lahat ng pera ko sa ATM wala nmn bawas ngtira lang ako ng 2500....ask ko alng po my possibility ba na ma hack nila ung atm ko???kasi prang tinatandaan kasi acct. no. ko ng babae dun ako ng duda 2x nia tiningnan pirma ko at account no. asking na un daw ba un...kaya ako ng duda...; Mon Mar 14, 04:16:00 AM PDT
Anonymous said...: nabiktima din ako sa COCOLIFE insurance sa cebu. BEWARE SA TEXT OR TAWAG NA NANALO KA NG EDUCATIONAL PLAN FOR BEING A GOOD CREDIT CARD PAYOR. pag pumunta ka sa office nila to claim the reward eche check daw yung credit card mo tapos swipe na pala hanggang maubos yung limit mo. pls advise me on what to do to get my money back. kasi pinagdidiinan nila may pinirmahan daw ako na contract na nonrefundable kahit e cancel pa yung plan. napanood ko yung XXX na dapat in utmost good faith yung both parties. is there a chance to get my money back kasi sabi nila hindi na daw talaga pwede kahit na ano pa yung gagawin ko kahit pa umabot daw sa korte. kasi daw hindi cla philippine prudential life. wala pa daw complaints against sa kanila. nag submit na ako ng cancellation and binalik ko na yung original documents pero ayaw pa rin nila. please help me.; Mon Mar 21, 08:45:00 AM PDT
Anonymous said...: nabiktima din ako sa COCOLIFE insurance sa cebu. BEWARE SA TEXT OR TAWAG NA NANALO KA NG EDUCATIONAL PLAN FOR BEING A GOOD CREDIT CARD PAYOR. pag pumunta ka sa office nila to claim the reward eche check daw yung credit card mo tapos swipe na pala hanggang maubos yung limit mo. pls advise me on what to do to get my money back. kasi pinagdidiinan nila may pinirmahan daw ako na contract na nonrefundable kahit e cancel pa yung plan. napanood ko yung XXX na dapat in utmost good faith yung both parties. is there a chance to get my money back kasi sabi nila hindi na daw talaga pwede kahit na ano pa yung gagawin ko kahit pa umabot daw sa korte. kasi daw hindi cla philippine prudential life. wala pa daw complaints against sa kanila. nag submit na ako ng cancellation and binalik ko na yung original documents pero ayaw pa rin nila. please help me.; Mon Mar 21, 08:46:00 AM PDT
Anonymous said...: they're so pathetic to earn money in a way of deceiving people.... wtaf*ck... i can't even believe how they sleep... sh*t.. makita ko lang sila.... kumukulo na ang dugo ko... F*ck.; Wed Mar 23, 12:14:00 AM PDT
not sure said...: Are they really scammers? I've joined it too, and I tried to research about it on the internet, and I read so many sites, saying they're scammers. But how do they become scammers? Because they were able to "manipulate" people into buying endowment policies, wherein actually people have the right to say no, anyway? I read that some got scared about reading blogs saying that they're scammers and demanded a refund... and they got the refund anyway... so why are they scammers?

I'm hoping that people are just saying they're scammers because of their marketing strategy, and not because the insurance company can't deliver their promise.

I'm not even sure if maybe people are mistaking PPLIC with Prudential Life, which was the one under SEC and the one people should be waried about. Anyway, I checked the insurance commission website, and PPLIC was in the list: http://www.insurance.gov.ph/htm/_statistics.asp... so that's good, right?

Also, so far, what I've seen saying they are scammers are all blogs, and subjective opinion of people. I tried looking it up sa newspapers (para medyo objective), and wala akong makita. So far, in the newspapers, it's just stating that PPLIC is stable.

Am I a fool in having faith in this company? I do want to save, and thought about applying sa BPI Save-Up where they get 1k auto-debit from your other account, but earns only a a meager 1% interest. Then if ever na mag close iyong banko, I couldn't get my money back 100% diba? Pero according to the agent, PPLIC offers 6% interest, pero same thing din, I have to "pay" (or "forcefully save" and discipline myself) para in 15 years time, I get more money! Am I too naive to believe in such a thing? When I believe in time deposits and Save-Ups in other banks?; Tue Apr 05, 07:11:00 AM PDT
Anonymous said...: Hi! Does anyone know if I can get a full refund if more than a week na ang plan and I want to cancel it? It is still within the 15 day no obligation period and may nakapag cancel na ba na authorization letter lang ,relative na lang ang mag cacancel? Nasa province kasi ako and nabiktima ako when I went in Manila for a vacation.Thanks!; Tue Apr 05, 11:22:00 PM PDT
Anonymous said...: hi isa din ako sa policy holder ng phil prudential life mag 2 yrs n ako nag huhulog.gs2 ko n sana terminate policy..sabe saken di ko daw makukuah ng buo yung hinulog ko naka 42 k n ko hulog now sabe nila sake 13 k lang halos makukuha ko.pls help me.bket ganun?pinag hirapan ko naman un hulugan.nag decide n ko kesa tumagal pa lalo ko wala ko makuha.di kc ko makapaniwala n ganun lng makukuha ko.pls helpo me pano ko makukuha lhat ng pera ko..; Sun Apr 10, 08:52:00 PM PDT
Anonymous said...: Hello everyone! I was never into life insurances or any insurances for that matter but I made a bad move yesterday. I was walking around SM Cebu yesterday and I was misled to get the policy, thinking it would be beneficial. My credit card was charged 75K but my bank declined it. It will only allow a certain amount at a given day. Since they couldn't charge me the whole amount for a 500K maturity amount, my plan was downgraded to 250K. My credit card was then charged with 41K. As soon as I walked out the door, I felt weird. I was thinking about the whole policy as I was window shopping at SM, I came to realize that I was in the losing ground. I went back to their office within 3 hours after signing up, asked for the manager and cancelled the policy as a change of mind. They tried to downgrade my policy but I said NO! I demanded a full amount of the 41K and a copy of a cancelled policy. Since the 41K was charged by credit card, the transaction was voided. I demanded a voided receipt, a copy of the policy cancellation and they gave it to me. No hassle, bussle. Thank God for the discernment and I went home with peace of mind.; Thu Apr 14, 04:04:00 AM PDT
Anonymous said...: hi sa lahat,isa rin ako sa naging plan holder ng PPLIC way back in 1999.It was the more popular FAMILY FIRST name by that time.By the way,I am a seafarer and I'm already 55 years old.Katulad din po ako ng karamihan na pagkatapos na mapapayag na mag avail ng products nila ay naroon ang pangamba na parang feeling ko na "naloko yata ako".Nag-isip din po ako na ipacancel ang pension plan ko pero dahil po sa wala na akong time ay hindi ko na po naipacancel.So,ganoon na nga po ang nangyari,parang suntok sa buwan,bahala na tutal si dating SEC chairman Perfesto Yasay ang nagsabi sa press na legal at isang trusted na malaking kompanya ang nagmamay-ari ng FAMILY FIRST INSURANCE.Hanggang sa dumating yung time na,nabili daw po ng DANVIL HOLDINGS ang FAMILY FIRST.Naging dagdag po iyon saalalahanin ko kasi po ay malapit ko na mtapos ang paghuhulog.Iniisip ko po na baka tuluyan ng matunaw ang mga pinaghirapan ko.Pero lagi naman po kaming pinapadalhan ng assurance na laging nasa magandang kamay ang pera namin.To make my story short,natapos ko pong hulugan ang kabuuan ng pension plan ko kahit po marami akong nababasa na mga negative comments sa internet at newspapers.Hanggang sa dumating na po ang maturity date last 2009.Kaya po pagkababa ko po ng barko ay punta agad ako sa SM MEGAMALL para kunin na ang pera ko,laking gulat at kaba po ang naramdaman ko ng hindi ko na po makita ang logo at pangalan ng DANVIL HOLDINGS sa pintuan ng puwesto nila sa SM MEGAMALL.AT noon ko nga po nalaman na nabili naman ng PPLIC ang DANVIL INSURANCE at ibinigay naman po lahat sa akin ang kabuuan ng maturity amount ng pension plan ko. Para sa akin po,ang mali talaga doon ay ang marketing strategy nila pero tinupad naman po nila ang tungkulin nila sa mga naging plan holders po nila.Gusto ko lang po maishare ang experience ko sa inyo lahat,nasa inyo na po ang lhat ng desisyon kung saan ninyo gusto ilagay ang pera ninyo.; Thu Apr 14, 07:03:00 PM PDT
Anonymous said...: I was also convinced to signup with their group term policy, 1 year with dental services.I realized that I dont need that anyway. This happened at SM Pampanga last sat,April 16. I want to cancel the policy. Can I go to the Main office at Ortigas to submit the letter? Although they said that the policy is only 1 time 3k payment for a year,I cant trust them. They used my ATM bdo (payroll). Is there a possibility that they can deduct again without swiping my atm card?Kindly advise me coz that incident keeps on bothering me for days already. thanks.; Mon Apr 18, 06:49:00 AM PDT
employers liability insurance said...: Is that true ? I recently planned to buy a policy from them and was so impressed with the things that my agent told me. I was about to buy a policy in next two days. But I am shocked to read your post, I will look for more information and will investigate it further. Till that time I have to drop my plan. Thank you.; Fri Apr 29, 03:11:00 AM PDT
Anonymous said...: Right now I'm holding a newspaper magazine, come accross with the PPLIC page. Naisip ko lang to check sa net this insurance. I choose this site... OMG anu to parang sort of e nag-aaway away na cla. Always remember "Give us this day our daily bread" if we really trust Him... Go on with your job, isave ang sobra sa sueldo... & He will do the rest. If we really love Jesus our Lord & saviour love one another and dont say bad words. We are more secured if we are in the hands of God.; Tue May 03, 08:11:00 PM PDT
ado said...: i received a text from this number +639324738676. Here's his message..

"FINAL NOTIFICATION:
Good Day!!! this is Mr. Richard Padilla from Philippine Prudential. You are entitled for 3 Exclusive Rewards and Privileges for FREE that are still here in our office. You need to claim and activate it within the day, because the management will finalize all the records of our clients/recipients who dont claim their rewards. For your Claiming code which you will need to present upon claiming; You may call us exclusively in our Makati Office from 9:00-5:00pm. for further information, pls call at (02)755-1532, upon receipt of this message. thank you and God Bless. (Disregard message if claimed)"

upon reading all the blogs here. Need to think twice before grabbing this "opportunity" lol.
thanks; Mon May 09, 09:12:00 PM PDT
Anonymous said...: ooopppssss... may tumawag din sa akin an hour ago lang. sabi may rewards daw akong matatanggap from PPLIC w/c is Personal Ins., Educational Plan and a chance to win P50K. nung nag-ask na sila ng mga ID's, sinabi ko ung mga Gov't ID's ko like SSS, TIN at Postal ID. nung tinanong ulit nila ako kung may mga bank ID's ako, bigla akong nag-pause at sinabi ko sa kanila na wala akong bank ID's. e makulit sila, iniisa-isa nila ang mga possaible na bank ID's w/c is credit card, debit card atm card or checkbook. e parang natunugan ko na sila na 'parang iba na to, ah'. kaya tondo tanggi ako na wala akong mga bank ID's. Tapos sabi na lang ng kausap ko sa phone na consult daw niya muna sa manager nila kung pwede akong mag-claim ng rewards kahit wala akong bank ID's at tatawag na lang daw sila ulit. Tapos minadali na nilang i-close ung usapan kahit may mga tanong pa sana ako. siguro nga di na nila ine-entertain kung wala kang mga bank ID's kasi ganun ang ginawa ko kanina. siguro naman walang mangyayaring di maganda sa mga Gov't ID's ko, LOLs. at wala naman akong binigay na kahit anong # ng mga ID's. Tapos nung tinanong ko kung pano nila alam ung phone # at complete name, sbi nila nasa referral list daw ako. tinanong ko kung sino nagrefer sa akin, di daw nila pwde idisclose ung info.

Kaya advise ko lng din, kung may mga tatawag sa inyo na ganito ung tema, don't give your bank ID's information/numbers. sabihin niyo lang na wala kayong mga bank IDs, d na sila mangungulit.

kaya nung pagkababa ng phone agad kong ni-search ung name ng PPLIC sa net and I was shocked kasi halos lahat ng ilabas ng google e puro PPLIC scams...buti na lang...Thank God.; Tue May 10, 08:05:00 PM PDT
Anonymous said...: hahaha.... me too i received a text message just this morning from Michelle Corpuz. same message with you Ado... i was thinking to reply her with "sorry no Bank account"...waaahhhh..; Fri May 13, 10:07:00 PM PDT
Anonymous said...: I WOULD LIKE TO SAY THANK YOU FOR ALL THE PEOPLE WHO PUT COMMENTS ABOUT PPLIC..
I HAVE SAME EXPERIENCE OF ALL OF YOU GUYS HERE.. yESTERDAY I WAS IN SM CEBU TO WATCH A MOVIE WITH MY SISTER AND MY DAUGHTER.. PERO HINDI AKO NAKA PANUOD NG MOVIE KASI NA HILA AKO SA ISANG AGENT NILA TELLING ABOUT THAT THEY ARE GIVING AWAY A FREEBIES AND I HAVE A CHANCE TO WIN A CAR AND TRIP TO MACAU.. ALL THEY ARE ASKING FIRST IF I HAVE CREDIT CARD AND ATM CARD COS MAY CORRESPONDING POINTS DAW OF EACH OF THE CARD..
FOR 45MINS MINS BECOME A 4 HRS STAYING INSIDE OF THEIR OFFICE AND IFEEL SORRY TO MY SISTER AND MY DAUGHTER COS THEY ARE WAITING OUTSIDE KASI NGA AKALA KO 45MINS LNG..NAKAKAINIS TALGA KASI NAKUHA NILA AKONG MAG SIGN AND GET THEIR INSURANCE POLICY..
BUT TODAY I WAS TRYING TO RESEARCHED ABOUT THIS COMPANY AT NABASA KO LAHAT NG MGA COMMENTS NINU AT TODAY I CAME BACK THERE IN SM BRINGING ALL THE DOCUMENTS WITH ME,, I AM FILING FOR THE CANCELLATION OF MY POLICY AND ASKING MY REFUND WITH THE TOTAL AMOUNT OF 89,680.00 pesos..
My god i been so so stupid cos on the spot they deducted me a 89,680pesos in my BDO debit card.. So now i have to wait a 30-45workings days for their processing for my refund..
Its a blessing for me cos i was reading all ur comments guys and help to be aware about this PPLIC.
SO NEXT TIME I WILL NEVER EVER LET ANYONE TO FOOL ME AGAIN..AND TAKE NOTE ME AND MY HUSBAND ARE ALMOST HAD A FIGHT BEC. I NEVER HAD A CHANCE TO DISCUSS WITH MY HUSBAND ABOUT THIS COMAPNY.LUCKILY I FOUND THIS SITE. I LEARNED FROM MY MISTAKE GUYS..; Mon May 16, 06:44:00 AM PDT
Anonymous said...: I WOULD LIKE TO SAY THANK YOU FOR ALL THE PEOPLE WHO PUT COMMENTS ABOUT PPLIC..
I HAVE SAME EXPERIENCE OF ALL OF YOU GUYS HERE.. yESTERDAY I WAS IN SM CEBU TO WATCH A MOVIE WITH MY SISTER AND MY DAUGHTER.. PERO HINDI AKO NAKA PANUOD NG MOVIE KASI NA HILA AKO SA ISANG AGENT NILA TELLING ABOUT THAT THEY ARE GIVING AWAY A FREEBIES AND I HAVE A CHANCE TO WIN A CAR AND TRIP TO MACAU.. ALL THEY ARE ASKING FIRST IF I HAVE CREDIT CARD AND ATM CARD COS MAY CORRESPONDING POINTS DAW OF EACH OF THE CARD..
FOR 45MINS MINS BECOME A 4 HRS STAYING INSIDE OF THEIR OFFICE AND IFEEL SORRY TO MY SISTER AND MY DAUGHTER COS THEY ARE WAITING OUTSIDE KASI NGA AKALA KO 45MINS LNG..NAKAKAINIS TALGA KASI NAKUHA NILA AKONG MAG SIGN AND GET THEIR INSURANCE POLICY..
BUT TODAY I WAS TRYING TO RESEARCHED ABOUT THIS COMPANY AT NABASA KO LAHAT NG MGA COMMENTS NINU AT TODAY I CAME BACK THERE IN SM BRINGING ALL THE DOCUMENTS WITH ME,, I AM FILING FOR THE CANCELLATION OF MY POLICY AND ASKING MY REFUND WITH THE TOTAL AMOUNT OF 89,680.00 pesos..
My god i been so so stupid cos on the spot they deducted me a 89,680pesos in my BDO debit card.. So now i have to wait a 30-45workings days for their processing for my refund..
Its a blessing for me cos i was reading all ur comments guys and help to be aware about this PPLIC.
SO NEXT TIME I WILL NEVER EVER LET ANYONE TO FOOL ME AGAIN..AND TAKE NOTE ME AND MY HUSBAND ARE ALMOST HAD A FIGHT BEC. I NEVER HAD A CHANCE TO DISCUSS WITH MY HUSBAND ABOUT THIS COMAPNY.LUCKILY I FOUND THIS SITE. I LEARNED FROM MY MISTAKE GUYS..; Mon May 16, 06:44:00 AM PDT
Anonymous said...: I just hope lng na i can get my refund with the total amount of 89,680.00 pesos..
This link is very helpful to those people like me that has no idea about the PPLIC.. Ay nako ilang na kaming na biktima ninu PPLIC???; Mon May 16, 08:42:00 AM PDT
beautysmile said...: OMG,,
I cant imagine my self that i am also a victim. I am so glad that i was able to research about this company PPLIC. Just last Sunday May 15, 2011 i went to Sm Cebu, while i am walking there's group of people calling me and telling that i might be lucky cos they have a promo just for that day. one of the agent telling me about their promo about winning a car and trip to Macau with pocket money including.. All they want me is to listen the presentation for only 45mins and me stupid and have no idea about what they are doing to me so instead of meeting my friends all my time goes to their listening of this agent telling me about saving but in the end they will asking me about if i have a credit card and debit card cos they can give me more points of each.
For 45mins goes to 4hrs by listening of their sh*t story.. So me i just give my debit card to them cos i don't want to use my credit card.Straight away they swipe my card and deducted a 89,680.00pesos amount in my savings.. I really get shock cos i wasn't be able to say no to them.. And i am so so worried cos i haven't a chance to discuss with my husband about it..I can't believe my self that i let them to manipulate me even i know i am not really interested about any insurance. So in the next day i felt something wrong about this transaction, it seem i am worried so i decided to search this company through goggle and i saw all your message guys.. I read all the bad comments and i told to myself my God why i am so so stupid. Right away after I've read all the comment of this PPLIC i rang their customer service and I ask them that i want to cancel my policy. SO i went back to the office of PPLIC which is in SM Cebu with all documents with me and i told them that i want to cancel it and i want to get my money back with the total amount of 89,680.00pesos.. But it sad cos i have to wait for 30-45workindays for the processing before i can get my money back,, This is really ridiculous, they got me straight away but i have to wait more than a month before i can get my money back, even i purchase the policy less of 24hrs.
Now Ive learned from my mistake.. Never never again.. i will never let my self to listen with any strangers person specially that all they want is to swipe ur card and get money from u..SO guys beware of these people .. And Ive learned also that we should listen to our inner conscience and believe what our inner voice..; Tue May 17, 12:08:00 AM PDT
Anonymous said...: Dankie vir die interessante blog; Sat May 21, 08:33:00 PM PDT
Anonymous said...: waaah, pano po pag lumagpas na ng 15 days, marerefund pa po ba yun? thanks!; Sun May 22, 12:11:00 AM PDT
Anonymous said...: waaah, pano po pag lumagpas na ng 15 days, marerefund pa po ba yun? thanks!; Sun May 22, 12:11:00 AM PDT
Anonymous said...: waaah, pano po pag lumagpas na ng 15 days makakakuha pa ba ng refund?..,; Sun May 22, 12:27:00 AM PDT
Anonymous said...: Hi there! Actually I availed their policy way back in 2009 or 2010 (worst case if 2008) and I wasn't able to cancel it. I stupid before for actually signing up and more stupid since it took me a long time before I decide to cancel it after a long while. The reason why I decided to cancel now is because I cannot pay the monthly premiums. I wasn't able to pay for like.. 5 months already? My card is maxed out so they can't charge anything from it. It's been a year or so.. Is it possible to have the amount they deducted through credit card refunded back to me? I really hope you guys can help me with this ordeal.

=worried_lady=; Tue May 24, 11:46:00 PM PDT
Anonymous said...: I've been harassed by their telemarketers for over a year now through phone calls and text messages with their " you just won free insurance" spiels. Before I just politely say no on the phone( the text messages were just deleted and ignored). Seriously, they call every 2-3 weeks. This morning, I've had enough and just put the phone down after sarcastically saying to the telemarketer that you always call and I always say no. Guess what, this afternoon they called...again! Just put the phone down on them. I know it's just the telemarketers job and all but they're starting to get on my nerves. They should not be allowed to harass people over the phone:(; Wed May 25, 02:02:00 AM PDT
Anonymous said...: thanks for the information. i was also victimized this may 25 at SM Megamall. i dont know if i was hypnotized or what cause im usually "suplada" to these kinds of agents, but they made me sit down with an agent who perpetually taps my shoulder and shakes my hand whenever we agree on something and who tries to convince me to save with them on that same day. I tried to also be polite by saying that im the type who would think things first and if i decided on saving with them i would just contact them (agent who approached me was a guy named reagan delos santos and the one who oriented me was norman "don" de ocampo). "Don" insisted that if i find the program good then why is it that i wouldnt sign up NOW. I still eagerly reasoned out with him that i'd have to discuss the plan with my husband first. Only when i noticed that the discussion has taken 2 hours of my time already that i blatantly told him that id have to go. I just said "pasensya na" then stormed out of the room without bothering to ask for their promised freebies. What What I fear now is that i indiscriminately gave them information about my family and our contact details. I am not even sure if the form they gave me to fill up is simply just an information sheet or an application form whatsoever. But then again, it was a lesson learned.; Thu May 26, 08:02:00 PM PDT
affordable insurance quotes said...: you really got something worth to share....; Sat Jun 04, 03:51:00 AM PDT
General Rommel said...: I have the same persistent lady from this PPLIC..Melady & Joy Garcia...paulit ulit ako nire remind na kuni ko na yung "rewards" na may dagdag na medical certificate pa raw... paulit ulit din ako nagca cancel..
sa Raffles Center sa Ortigas Center pa ko pinapa punta...I told them na if it's really for me, why not send it to me and I'll show them my ID's when I receive them..Dapat daw personal...Good thing I decided to search for this as I'm supposed to get them this afternoon sa sobrang kulit..Pero after reading all the posts, and viewing the video of Toning Taberna, never na lang..sayang oras, gas at parking fee....; Sun Jun 05, 08:11:00 PM PDT
Anonymous said...: thanks God after 18days waiting i got my refund from them.But before that i been sending them a nasty nasty emails,, but now i am happy na.; Tue Jun 07, 02:27:00 AM PDT
Anonymous said...: this is shit.hope that i read this blog before.i went to sm megamall yesterday to pickup my sister's medicine in living life well - atrium.when im still searching for the said place somebody called me and offered something..began to ask if i have a passbook, atm etc..and she said that i have a chance to win a car and trip to macau.just gave them a 45min for the presentation..she invited me inside their office til i was fallen into their bait..and now im planning to cancel my policy but can i just send my letter thru email?i just want my money back..i didnt sign for the monthly deduction but i gave them an initial deposit..; Sun Jun 12, 12:58:00 AM PDT
Alexathedumb said...: Jon, thanks for this blog, very helpful. Just got lured into this a while back sa SM North Edsa. You said na if within 24 hours mo na cancel they can return the money debited from the ATM agad? I had a policy for a total of 10 minutes - I went back immediately to have it cancelled. I have the SOA and my letter of cancellation. Still uneasy because malaki yung amoung na nawala sa akin. I am hoping na mabalik yun agad sa akin, because frankly I am freaking out.

I do agree with your statements - they are a legit company but with very unethical ways of doing things. Here's what happened to me - hopefully, others can learn from my experience:

1. First, a rep will go up to you, ask if you have an ATM or credit card. My mom was right - just ignore or firmly decline na lang. No one should be asking you these questions in a mall.

2. They say that you have freebies waiting for you. Cool nga naman. You'll go down sa first floor of SM North Edsa Annex (lapit sa bowling alley) and there they'll say na before you can play they'll ask 45 minutes of your time to present their idea.

3. They will use up the time to present the endowment account. Convincing naman. Yung sa akin, we reached the point na sinabi nila na i-swipe nila ATM ko to see if papayag ang bank sa endowment scheme. RED FLAG na dapat yun but naloko pa rin ako. Anyway, after yun, deducted na agad ang fee. Nagbayad ka when it truth akala mo verify pa lang. This is my main peeve doon. Akala ko ba check pa lang - bakit deduct na agad.

4. Forms, forms, forms. Sign here, sign there. ATM is a couple of pesos lighter.

I felt uneasy about it so I immediately went back to have my policy cancelled. Buti umabot. 30-45 days daw before ma-return ang money ko but demmet, I hope I see it sooner.

Napahaba ata ang comment ko. Jon, can we coordinate with you just in matters like these? If sila padamihan, dapat yung mga biktima rin, madami rin ang lalaban.

Please note, on-going pa rin sila. This very night lang ako nabiktima.

Sa mga nabikitima, I know how you feel. Paano ako naging so tanga, bobo ko, etc. The best thing to do is to stop feeling sorry for yourself. We made a mistake, let's deal with it. Also, don't wait for tomorrow. Habulin niyo kung kaya. I went to SM North at 10 pm and convinced the guard to let me in.

Jon, hope you can reply to my queries (somewhere sa rant ko, lol). It'll help ease my mind talaga. Thanks!; Sat Jul 02, 09:05:00 AM PDT
Claire Ponsaran said...: Could you and the others who were in the same predicament draw up a protest letter, sign it, and send it to the Securities and Exchange Commission? The best thing to do is to have their business license revoked. They may re-apply, but because there is a record of anomalies, the SEC may not approve of their application. Do the same for DTI and BIR. You have to make sure they do not continue with their business operations ANYWHERE in the Philippines.; Sat Jul 02, 11:53:00 PM PDT
Anonymous said...: If you received or will receive this message... be aware of... this is a scam. I received this message from cell # 09489505708

As part of PHILIPPINES PRUDENTIAL 48th year anniversary.

This Ms. Julie Dagala: Initiated You are entitled for 3 EXCLUSIVE REWARD and PRIVILEGES for Free U need to claim and activate "TODAY" at Bajada Davao (Pryce Tower Building)Branch. For your calimiing code which u will need to present upon claiming. please call with in48 hours. (082) 224-3206 or 222-2534 upon receipt of this message. look for ms Julie Dagala. thanks and God bless.; Fri Jul 15, 12:04:00 AM PDT
Anonymous said...: HERES WHAT YOU DO, PISS THEM OF BY CALLING AND CALLING THEM AND HANG UP. KEEP ON DOING IT SINCE THE GOVERNMENT CANOT DO ANYTHING ABOUT IT. OR MAYBE MAKE AN APPOINTMENT WITH THEM MEET UP IN ARESTO OR SOMETHING AND THEN DONT SHOW UP; Wed Jul 20, 08:12:00 PM PDT
Jas said...: Phil Prudential does refund the initial deposit fee! My money was credited back to my ATM within 10 days after canceling my policy :)What a relief!; Fri Jul 22, 01:05:00 AM PDT
Anonymous said...: Hi jon..i read this your blog about this PPLI. Sad to say isa rin ako sa mga nbiktima ng PPLI na yan sa SM MEGAMALL ksma ko ung 3kids ko syempre my lumapit ayun na niyaya ako sa opis nila eh sa sobrang kakulitan ng mga anak ko napa OO nko khit di ko ata naintindihan lahat tapos nagulat ako n credit n agad nila sa cc ko ung 9k mahigit tapos dahil di ko kya ang 1600 amonth sbi ko cancelled knlng tpos di daw pwede kung gusto ko daw down grade nlng daw nila ung ble ns 500 nlng amonth dapat this feb n uli ako magbabayad kso dahil sa problema sa financial dkna nhulogan hanggang ngaung july so pwede ko p kyang habulin un gusto ko kce ecancelled n kce i need money ngaun ...marerepond ko p kya sa kanila ung mga naihulog ko wla n rin kce akong cc dahil pina cancelled kn dahil di ko nrin mabayaran ung na credit nila dun kaya ngaun dusa ako sa pagbayad ng cc ko khit cancelled n. pls. help me nmn give me some advice. thanks; Sun Jul 24, 06:59:00 AM PDT
Anonymous said...: im the newest victim. Galing ako sa Sm pampanga kanina lang. For some reasons napakagat nila ako sa knlang scheme. My atm was deducted with an amount of 23, 107. Im planning to file a refund. Thank you sa mga nagpost. Pwede po tayo magkaisa ireklamo natin sa media para madala na sila sa Marketing strategy nila; Sun Jul 31, 09:23:00 AM PDT
Anonymous said...: Really great article with very interesting information. You might want to follow up to this topic!?! 2011; Sun Aug 14, 06:53:00 PM PDT
Anonymous said...: I really liked the article, and the very cool blog; Sun Aug 21, 08:55:00 PM PDT
Anonymous said...: try to check in the website below if PPLIC is legitimate or not.

http://www.insurance.gov.ph/htm/_statistics.asp

I think it is the strategy of their agents that needs to be corrected before everyone else get panic.; Mon Aug 22, 03:53:00 AM PDT
Anonymous said...: You may check at this website below if PPLIC is legitimate or not.

http://www.insurance.gov.ph/htm/_statistics.asp

I think their agents strategy to get clients, needs to be corrected.... before everyone else get panic by just reading the blogs.; Mon Aug 22, 03:57:00 AM PDT
Anonymous said...: ITO AKIN..SALAMAT SA MGA SAMPLE!

LETTER OF CANCELLATION

To: The Manager
Cancellation Department
Philippine Prudential Life

Re: Policy Number: PPL () Cancellation

I am sending you this written notice to request cancellation of my insurance policy effective this day, DATE.

Please refund my payment of 6000php for the policy plan charged from my CHINABANK ATM SAVINGS ACCOUNT, ACCOUNT # ------ at ------- pm.

I wish to discontinue the policy as I am no longer interested with the benefits and coverage. Also, I felt deceived and was surprised when one of your agents charged me without my consent, when her excused upon getting my ATM was only to check if it was “acceptable”. I insisted on reclaiming my payment but I was told that it could not be done. It left me greatly troubled emotionally and mentally.

As stated in your Policy number 11. This policy has a no-obligation warranty within a period of 15 days from the date of receipt off Policy (i.e. 15-day free look period), during which period, the client MAY DISCONTINUE with the Policy if for ANY reason he/she is dissatisfied.
Furthermore, According to the INSURANCE CODE OF THE PHILIPPINES, PRESIDENTIAL DECREE 612, SEC. 81.
“A person insured is entitled to return of the premium when the contract is voidable, on account of fraud or misrepresentation of the insurer, or of his agent, or on account of facts, the existence of which the insured was ignorant without his fault; or when by any default of the insured other than actual fraud, the insurer never incurred any liability under the policy”.
I would like to request a SOA (STATEMENT OF ACCOUNT) with the status: Cancelled Upon Inception.
Also, I would appreciate you sending me a WRITTEN CONFIRMATION that the cancellation has been put into effect.

Thank you for your prompt attention with regard to this matter. Kindly contact me at -------. Attached with this letter are the photocopies of Official Receipt, Confirmation of Coverage Form and BDO Receipt.

Sincerely,

NAME

Noted/Received by:; Wed Aug 24, 11:02:00 AM PDT
Anonymous said...: Ako po knna lang na biktima nyan. pnipilit ko na pag may trabaho nko saka ako mag aapply ng insurance. parang nilalait nga ako na bkt dw pag my trabaho ka tpos ang daming what ifs. pnipilit nla ako mag apply sa Php 3,665. I kept on saying no ksi hnd kaya ksi student pa lng ako. In the end they offered me Php 665 tpos balik na lang dw ako if I am able to pay the Php 3,665. After reading this blog and reading the comments asa sila kung gsto ko pa ituloy. Actually ung gym bag lng ang dhilan kaya ako sumama on the first place hndi ung promo promo nla. nakakainis lang pkiramdam ko naviolate ako. nakakadown din.

Question: pde ko pa din po ba mabawi kahit Php665 lang po ang binayaran ko? I'd really aprreciate it if yes kasi malaki na po sakin un dahil nagaaral pa lang po ako. Isang polo shirt din po un. mababaw man pero it means a lot to me kasi di pa nman ako kumikita ng pera. and parang ksama ksi dun ung confidence ko sa sarili ko. nakakadown tlga ung experience na un. damn them.; Sat Aug 27, 09:19:00 AM PDT
Anonymous said...: kanina lang po navictimized nila ako. student pa lang po ako so kahit ung pnakamababa nilang offer na Php3,665 I kept on saying no. ang tagal po namin sobra gang nainip na din yata sila nagoffer na sila ng Php665 so pumayag na ako dahil naiinip na ako. kaya lang sobrang skeptic ako pati sa pag swipe ko ng atm ko sknla. bka alm na nla PIN ko. pde dw ako bmalik kng my pera na para mbayaran ung remaining 3k. after reading this blog asa pa sila kung babalikan ko sila.

Question: pwede ko din po ba marefund ung Php665 ko? kahit maliit po un malaking halaga na po sa akin un dhil student pa lang po ako. and nkakababa po ng self confidence ksi parang pakiramdam ko ngyon ang bilis kong maloko. pakiramdam ko naviolate ako. kaya gusto ko sana mabawi ung Php665 na un. polo shirt din un.; Sat Aug 27, 09:25:00 AM PDT
maldita said...: I went through all this just yesterday, sa SM cebu. but i never signed up for any of their plans. I have listened to insurance policy orientations and convincings during my younger years, and i always say NO to them. Because when it involves money, i just dont trust anyone.
Pero even if hindi ako naloko ng PPLIC, it was still a very frustrating experience for me.

They said 45 minutes lang, to promote their company. but THEY just WASTED 2 HOURS OF MY TIME TRYING TO ROB ME. and meron pang brainwashing in the process. I was very firm on my "NO" answer. but still they keep on doing what they do, more like begging me to sign up for their savings plan. if not sa savings plan, yun nlang daw insurance plan (which they call reservation) para i can go back anytime i want para mag Go sa savings plan. WTF!!
GRABEH ANG ORDEAL just saying NO to them. nag action akong mag walk-out pero hinahawakan ako pa-upo. WOW... they are something. really.

THEY ARE HIGH-CLASS PROFESSIONAL ROBBERS/ HOLD-UPPERS.

I dont know why SM allows these kinds of companies in their building. They take away your trust. For me, ur supposed to have trust on the offices/boutiques inside big malls in our country like SM. pero ngayon hindi na.....; Sun Sep 04, 05:52:00 AM PDT
anonymous said...: hiiii; Sun Sep 11, 01:07:00 AM PDT
anonymous said...: sad to say isa rin me sa mga biktima ng mga tang inang scammer n yan.....8 happen last other day ...im waiting 4 my refund....im so thankful kasi nbasa ko sa mga blog...hope u guys burn in hell; Sun Sep 11, 01:10:00 AM PDT
Anonymous said...: my husband and I are at SM Megamall right now and we just escaped philippine prudential. we sat there for an hour listening to the sales rep. we asked if we could think about it for a day, and where we can come back should we decide to sign up. the sales rep kept repeating that what we can do today should not be delayed for tomorrow. i told her that i was raised to scrutinize and do research first. wala na syang magawa kasi we were firm. then eto na nga, my husband and i read your column and so many other blogs on the Net exposing their scam! buti na lang!; Sun Sep 25, 04:48:00 AM PDT
Anonymous said...: Hi mam i just want to ask if pwede po makahiram ng copy ng letter of dispute para sa bank. Problemado rin kasi ako regarding this scam. I am planning to file my cancelation mamaya. Here's my email add para po sa copy thank you. cherrybomb1902@yahoo.com; Sat Oct 01, 01:45:00 PM PDT
Anonymous said...: Hi Mam, pwde ko po ba ask kung meron d2 narefund na ung cancellation nila ng buo with more than a year ng nghhulog?I'm torn kc kung ittuloy ko p o hndi na. At first kc hndi n ko tlga go sa insurance na to ewan ko ba kung bkit napapayag nila ako cguro my kslanan din ako pero now gus2 ko na itigil kc gus2 ko mginvest sa iba. I'm out of the country as well so isa png problema un. Anyone can you please help me.; Wed Oct 26, 10:16:00 PM PDT
Anonymous said...: leche sabi na nga ba. mag-cCR lang naman talaga ako sa SM Mega tapos biglang napunta sa ganito. over night ko pinag isipan. puro kaloohan yun pala. i knew it. kaya ang galing ng mga marketers kasi manloloko talaga. im planning on cancelling mine this afternoon. hoping for the best. they used my credit card and charged 16k +. bongga. magcchristmas pa naman, ayoko mabaon sa utang/manakawan.

text me sino gusto ako samahan magpa-cancel mamaya. 09308895587 and kung sino man sainyo pwede magpayo sa mga dapat gawin sa pagpacancel. salamat.

NEVER AGAIN TALAGA AKO MAKIKIUSAP SA MGA NASA MALL NA PERA ANG ISUSUGAL; Fri Oct 28, 04:06:00 PM PDT
Anonymous said...: I couldn't think you are more right...; Wed Nov 02, 01:02:00 PM PDT
Anonymous said...: cant you see.. of course pagna-invite ka, alangan naman kukuha ka lang ng freebies nila and join the raffle for a chance to win a car and and bakasyon in macau..ull expect tlga na may kapalit. and ung kapalit ng promotions nila is...ung time na makilala natin ung company nila and their products..
PPLIC is NOT a scam after all!
when i was invited last august here in cdo, i know na pagbebentahan talaga ako ng products nila... and it's UP TO YOU kung bibili or mag-aavail ka! hindi xa MUST! I think the agent last time was trying to convince me how important insurance and savings is at hindi ako pinipilit! MAY FULL AUTHORITY PA RIN AKO SA DECISION NA GAGAWIN KO.; Wed Nov 02, 10:46:00 PM PDT
Anonymous said...: Read more: http://www.articlesbase.com/finance-articles/philippine-prudential-life-scam-preconceptions-4550440.html#ixzz1ccLZ0dn8; Wed Nov 02, 10:51:00 PM PDT
Anonymous said...: 15 days cool-off period/ freelook period is like telling you na PPLIC is giving you 15 days to take a look kung importante ba talaga ang policy na kinuha mo or not at kung kaya mo o hindi...yan ba ang scam? if others got their refund, yan ba ang masasabi nating scam? y not try to report this company to DTI/ IC or police(sabi ng mga tanga, anong magagawa ng police haler! kahit SWAT pa!)
am quite sure na if you'll report this company you'll get nothing! kasi legitimate ang company likewise with their marketing strategy.
Wag nga tayong umarteng parang bata! everyone of us has our own right para sabihing NO kung ayaw nating umattend ng presentation and kumuha ng product! wag nga nating sirain ang isang companya na kasalanan naman natin kung bakit napa-oo tayo sa kanila..; Wed Nov 02, 11:24:00 PM PDT
Anonymous said...: http://blogtambayan.blogspot.com/2011/03/philippine-prudential-life-insurance-co.html
http://www.articlesbase.com/finance-articles/philippine-prudential-life-scam-preconceptions-4550440.html; Wed Nov 02, 11:59:00 PM PDT
Anonymous said...: I am one of their victims at SM Megamall. I regret getting involved with them. They are a bunch of scammers.

Do not trust them with your money.

They will hold your money hostage. If you are in a dire need of money and you are forced to cancel the policy, EXPECT MUCH LESS than of what you gave them.

You are better off keeping the money at a jar. At least you can use the whole amount during an emergency.

When you see them it will be immediately obvious that they are desperate for your money. Ignore them and do not listen to them.; Mon Dec 19, 06:32:00 AM PST
Anonymous said...: is this thread still active? I think d ako ang latest victim nito at marami pang iba, waaaaaaahhhh! jon? still following this thread?; Mon Jan 16, 03:17:00 AM PST