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

If you're one of the many unfortunate people who have been convinced to get an insurance policy from PPLIC (Philippine Prudential Life Insurance Company) but wish to cancel it, below are just some of the steps that I have taken for faster cancellation of my policy and get my refund from the said company.

How to Cancel PPLIC Policy and Get Refund

1. Go to the branch where you got your policy and submit a Letter of Cancellation stating your reason for doing so. Again, the sooner you have the policy cancelled, the soon you will get your refund.

2. Have your cancellation letter received by the manager and get a copy of the said letter. Make sure that you keep a copy of all the documents that you surrendered and let them sign the document as they receive so you will have a proof that they actually received it.

3. Request for a new Statement of Account which states, "Canceled upon inception". 
You will also receive a letter of confirmation that your policy has been cancelled (as per requested on your letter of cancellation) several days after the documents have been forwarded to their main office (especially for those who are in the provincial areas). 

4. File a dispute report to your Credit Card Company and attach the Statement of Account and Cancellation Letter. This will ensure that the amount would not be credited to your bill.

For Those Who Paid through Debit Card (ATM) or Cash

You simply need to follow almost the same procedures except the fourth step. Instead, you will need to withdraw all the money you have left on the account but do not let the account close! (You will need it because it is where they would refund or charge back your money). 

In my case, my ATM card is where my payroll is so it's kinda difficult to control the cashflow income in the ATM account unless I try to talk with our accounting department about putting my salary on hold as to prevent the PPLIC from deducting monthly premiums from my account anymore. If you're not into such situation, then you would only need to wait 30-45 working days to get your money refunded to your account or charged back to your credit card account. 

Got my Refund from PPLIC in less than 30 Days!

I got my refund in less than 30 days. Feel free to read more on this post for details. If you want to know more I got convinced into getting the policy and want to share your experiences too, so you can warn others, read this post and leave your comments. 

If you still have questions, feel free to connect with me using this page instead of emailing me because it's the best way to get in touch with me. Best of luck in getting your insurance policy cancelled and money refunded!


If you enjoyed this post then your donation would be appreciated!

173 comments:

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!

jhenmoises said...

Same with you percival, I was also one of those who were victimized by that company! I have also availed that Wealth Builder Plus, at first, they called me and told me that I was one of those who were luckily chosen to have their freebies! After that they let me wait in a room, then we have a discussion about this and that! Then I have eventually realized that I don't like to pursue the insurance anymore. I have searched about this insurance, then boom! I was unlucky enough to know that this was just a tactic to trick people... I have just availed last February 5, good thing i was able to search about this. Now I am convinced that I would like to cancel the policy... thanks for the blog...

Zuppee said...

Same here, I'm working on the cancellation of my policy.. But do not know exactly what i should do.. thanks for this blog. Are they going to refund 100% of your money or not?

Anonymous said...

Thank you so much for the info...Unfortunately I was one of those people who became victim of this insurance company yesterday...I decided to cancel my insurance today because I just realized that I was extremely shock by they sales speech and I can't afford to pay there monthly premium. Absolutely it was out of my plan to avail any insurance benefits as per as of now I am not stable with my finances...I will go today at there branch to cancel it as soon as possible..I will just follow your guidance and hoping for the best...Again thank you

employers liability insurance said...

Great. I was one of those victims who are being misguided by this company. The day when I came to know about the fraud I decided to drop my policy. But I was not aware how to carry out this process. Thanks for making such a useful post.

Anonymous said...

Hi Jonha, thanks sa blog at sa mga instructions. Kaso ang problema ko naman po ay kumuha ako sa kanila ng pension plan na "Silver Fund Saver" at natapos ko na pong bayaran ng after 5 yrs.. start po akong magbayad nito nung 2006 pa.. i'm working abroad until now at hindi ko maasikasong settle ito dahil po sa malayo ako.. ano po ang dapat kong gawin.?. Gusto ko po sana na withdraw ang lahat ng naibayad ko. Makukuha ko kya ng buo yon.?. At isa pa, yong taong nag hire sakin to become a victim of this is kasamahan ko sa work until now. Pwede ko po ba syang gawing way or sa kanya ko rin settle ang pagpa cancel ko ng plan ko & ask ko rin na sya na rin mismo ang mangangatawang bawiin ang pera ko from the PPLIC..? thank u

makati office space said...

Switch to a more reliable insurance service provider.

emeralds said...

i was there at PPLIC this morning. i was there because somebody sent me a text message that i have 3 rewards from them [ 3 exclusive rewards and privilges for a free (2yrs. scholarshps certificate;IMS medical certificate & raffle tickets.)] Out of curiosity i went there but i was saying to myself that i will just listen and not get any insurance from them. i even asked why/how they got my number and how come i got those rewards. The lady told me that she will explain it. but then in the middle of the discussion she really didn't mention. i asked again, but i got no response about it, and instead she continued babbling, discussing and suddenly i forgot about it. Actually there were 3 ladies who talked to me one at a time. they offered me the insurance. i said to them i will think about it first but then they said that "this opportunity is just for today". i was thinking at the time "really? just for today? when in fact i received the text msg 2 days ago..? if the opportunity is "for today only", then why was i persuade/allowed to get the insurance when i received the txt msg 2days ago and not "today"? but then i continued to listen though. another flaw: the 1st person who spoke to me said it will not automatically take pyt from my debit card, 2nd person said, it will, and 3rd person said it will not!? inconsistent! but then later on i decided to go for it (maybe it's my way of getting rid of them or maybe out of respect that they were very determined to discuss, in other words to compensate their effort... but now i realized that i really made the wrong decision)... i chose the least amount though, Php 937.84 and i was already thinkin i'd withdraw all my money every payday (coz the debit card is also for my payroll...good thing i didn't gave them my savings account. the agreement is i'll pay every 1st day of the qaurter, but im afraid they will take money on paydays, so i think i'm just gonna cancel it.. Thank God i read your article how to cancel it, coz i really didn't know what to do..

Anonymous said...

Hi,ako po napilit din nila..pero 800 lang yung dneduct sa creditcard ko..same din ang story ko sa iba..ask ko lang if i can still cancel it na di na pupunta sa office nila dhil sa schedule ko..wala silang sinabi kung magmmonthly ba ako.free 4 one year daw yun subscription ko.help. sa creditcard ko..same din ang story ko sa iba..ask ko lang if i can still cancel it na di na pupunta sa office nila dhil sa schedule ko..wala silang sinabi kung magmmonthly ba ako.free 4 one year daw yun subscription ko.help.

Anonymous said...

Hi,ako po napilit din nila..pero 800 lang yung dneduct sa creditcard ko..same din ang story ko sa iba..ask ko lang if i can still cancel it na di na pupunta sa office nila dhil sa schedule ko..wala silang sinabi kung magmmonthly ba ako.free 4 one year daw yun subscription ko.help.

Anonymous said...

thank you for this blog i cancelled my PPLIC yesterday and they said that their going to refund my initial payment 30 to 45 days.,.they gave me a statement of account stated that my insurance was cancelled,.now i have to call my credit card company to file a dispute report and to be sure that the amount will not be credited to my bill.,thank you again and GOD bless,.,i hope they will refund it very soon!:)

Anonymous said...

why is PPLIC considered a scam? i was persuaded last sunday and unfortunately they were able to sell the insurance to me... :( good thing, i am reading your blog and i will cancel my policy this weekend.

Anonymous said...

The insurance itself is not a scam. But they use dirty tactics to sell the insurance, and you might end up buying even if normally you wouldn't have. They don't give you time to research on your own!!!!

I'm an OFW victim of the marketing scheme and I'm leaving soon, so I might as well just keep it with hard feelings. The money I shouldered is not very painful (I did my best to avoid the 1 Million plan as I don't feel like suddenly spending 170+ thousand Php.

Watch this for more info:
http://arpeelazaro.com/2009/09/18/philippine-prudential-life-scammers/

For those who are intelligent enough not to be victims, please spread this on facebook and else where! I'm already too embarrassed and people will find out why if I share this on facebook. Facebook would be the only way people will learn about this without going through their greedy agents.

Thank you very much.

Anonymous said...

ganyan din nanayri s akin nk kuha ko ng plan s phil prud wealht builder plus last yr april20 11. at ginamit q n pangbyad ay credit card. for 1 yr . d nila pinaliwanag n since ceredit card ginamit need ko mag fill up s bpi bank n mag mo monthly ang pagbbyad ko. ang ginawa basta n lng ko nag byad n di n nag fill up ng form .ky ayun lumaki ang utang ko at isa my gumamit ng credit card ko n enrol s mga byrin n d ko alam. ngayun ayaw ko n ituloy ang plan

Anonymous said...

I believe the heads of this company somehow knew this and tolerated this because it is on this way that money can flow larger.

xiaori said...

Now I am restless because I had an initial deposit of around 5k few months ago. And thanks for this post and other blogs I have read, I want to cancel... aside from the fact that they use misleading marketing strategy (like what happened to me as well), the company is almost bankrupt. Well, i did my research and found this http://tiradabalita.com/2012/02/300000-plan-holders-ng-prudential-life-tutunganga/

May I know, did you get a full refund?thanks!

Anonymous said...

Cancelled upon inception... Nagpacancel ako last week nklagay sa policy ko is cancelled from inception is there any comparison or pareho lng po? Pls answer i need my money back... Thanks a lot

Dceke said...

Hi,i would. Like to ask if u signed some papers or how many years will u pay?i have there stated that it takes 15yrs before i can get mine and i dont know whats happening there coz im here in norway.Hanggang ngayon nagbabayad parin ako automaticlly deducted sa accnt ko.ano pwede kong gawin para macancell yung payments ko?thank u!!

Anonymous said...

Mam/sir,preho din po tyo ng naranasan pinacancel kudin po ung policy plan.ko ngyon...pwede po itanong kung ano mga papers na binigay sa inyo ng PPIC statement of acc.lang hawak ko at ung cancellation letter...at na.refund nyo na poba pera nyo?reply pls...

Anonymous said...

Ganun din po nangyari skin ngyon pinacancel kudin po ung policy ko now...statement of acc at letter of cancellation lang po hawak ko...makukuha kupabo refund ko?pls reply

Anonymous said...

Kahapon lang,unfortunately,isa dn ako sa mga naloko nila..but luckily,ngsearch aq kagad nito ngayon,and I found this,now I am planning to cancel my account,and I will do it as soon as possible...thanks s blog n 2...

Anonymous said...

Im just wondering how many insurance plans their offering.What i availed of is the endowment fund with cash surrender value.
What i didn't like is the fact that they don't give you the whole view.They will offer different types with different value by slices.

In my case,they initially ask me to pay an initial amount of around 23,000 pesos and after that a monthly premium of 1610. I was convinced maybe because i felt that if i get the plan,im also helping their people to have a job.

Now, after.what ive read, i feel like i need to cancel my plan which i avail last september.

Anonymous said...

I have a very big problem. I have already cancelled my plan and i have my cancellation letter dated July 18, 2012. I have waited and waited and yet the amount that i've been waiting for still hasn't been credited back to my account (ATM). I followed up with the contact number that was indicated on my cancellation letter, twice during the month of September and October and what they repeatedly told was that they have already followed up the 6k refund with my bank. I have called my bank to ask and check if there was 6k that was deposited to my account and the answer was none. So it has already been three months and still there is no 6k that was refunded to my account. I am really frustrated and really desperate to get my money back. DO you guys have any suggestion as to what actions i could make to get my refund.

Anonymous said...

ako din naloko nila,. bukas ako magpapa cancel,. wish me luck, huhuhu

kim rievaj said...

biktima din ako ng prudentila life,. sad to say malaki ang naiinvest ko,. gusto ko ng i cancel yun insurance ko,. wish me luck! sana magawa ko!

kim rievaj said...

ako din nagpadala sa tamis ng pangungusap ng agent ng prudential,. sad to say malaki ang na i pay ko kse thru atm akin,. tas annualy ako mag pay 4 five years,. nang nakita ko ito na realize ko mali ang ginawa ko,. kaya i cancel ko na yung insurance ko sa kanila, sana lang maaksyunan agad,. thanks sa nag post dito,. a big help! and besides di ko kaya mag pay annualy wala naman ako work,.

Anonymous said...

may i ask what happened to your cancellation? i also avail life insurrance from that company

A place to ESCAPE said...

Hi! Im about to cancel my account. Praying for a positive result.

Ameila Andog said...

Hi miss jonha'

Ask ko LNG po kung hand written po about sa letter cancellation or type written which the best.

Anonymous said...

Ako din po khpon nabiktima..pro mbgat loob q..kc may pnaglalaanan kmi nun ng husband q..di tlga q mapakali si knna maga ng search aq then nkta ko nga po toh..nanlumo aq sa nbsa q.. :( so pumunta q agd sa bank pra maaus then ngpnta q sa branch nla (SM FAIRVIEW) Nkausap q manager or supervisor yta un..sb q iccancel qnlng..tpos sbi NON-REFUNDABLE dw ung inavail q 9,350 (1 year lng na life insurance) kc un RIDER dw ang twg dun wla kc monthly na 1, 610 ..ung ENDOWMENT dw ung nrrfund..e ang point q..wla sa mga papers na pinirmahan q na NON-REFUNDABLE un..so dpat iparefund nla un..sbi nya wla dw written..verbal lng kc vnvideo un e..e wla q maalala na xnb nla na di pwde irefund un...so in short dko na-refund ung pera..naun dko alm pnu ggwn ko pra mkuha un.. T_T cgro kng mrmi tau na mgrrklamo sa offce hbng may mga bgo clng prospects na nasa waiting area mapapahiya cla at sakaling mgrefund cla.. :(

Anonymous said...

Mam/sir pnu ko po kaya marrefund ung sakin? Iniinsist nga kc knna nung manager sa SM Fairview branch na NON-REFUNDABLE nga dw un e tma nman aq e..although wla man aq background sa mga law..alam ko na kahit ano na "wala" sa pinirmahan q may laban aq..wla nga sa pinirmahan q na di narrefund un. .help nman po..cgro kea di tlga ngpatinag ung manager knna kc im only 22 yrs.old kea iniinsist nya n dko n mkkuha un..bla bla.. :( help nman po..

Anonymous said...

Same company po ba to ng Pru Life UK?

Luck Finder said...

Salamat sa Blog na ito na nakapag bigay ng information tungkol sa PPLI.

Totoo ba ito. kong totoo ito na oto pala ako ang tanda ko naman aging 45 nadali ako sa mga convincing approach nila, putangina ang tanga ko kasama asawa ko pagpunta sa office nila, iyong modus na binabanggit nyo ganon din ang ginawa sa amin raffle promo then presentation 45min. hanggang umabot ng ilang oras hanggang sa dulo napilitan ma convince ako nagbayad ng 28K binawas sa ATM ko for endowment. Paano na ito. Last Friday Nov. 22, 2013 nangyari sa Lim Kitkai Mall, Cagayan de Oro.

I hope this step of cancellation will do and I am very willing to donate such amount here if cancellation procedure and refund is granted. Thank you

Luck Finder said...

Salamat sa Blog na ito na nakapag bigay ng information tungkol sa PPLI.

Totoo ba ito. kong totoo ito na oto pala ako ang tanda ko naman aging 45 nadali ako sa mga convincing approach nila, putangina ang tanga ko kasama asawa ko pagpunta sa office nila, iyong modus na binabanggit nyo ganon din ang ginawa sa amin raffle promo then presentation 45min. hanggang umabot ng ilang oras hanggang sa dulo napilitan ma convince ako nagbayad ng 28K binawas sa ATM ko for endowment. Paano na ito. Last Friday Nov. 22, 2013 nangyari sa Lim Kitkai Mall, Cagayan de Oro.

Luck Finder said...

I am very thankful to this blog.

November 22, 2013 at Lim Kitkai Mall, this PPLI are operating they got my unpreparedness attention for having purchase the service plan. Since I was convinced for their raffle promo and 45 minutes presentation of their company's my mind was captured and trapped by the sale consultant until I force to pay the policy for 28K without thinking thoroughly or no time of decision making. While way at home my mind and even my sleep at night till today parang mababaliw na ako hindi makakatulog sa pagsisi.

Tomorrow Monday Nov 25, 2013 I will comply the procedure to cancel my policy plan and I hope this gonna be approved and refund the amount I paid.

My question is how do we know that they approved and confirm the refund. Will they return the amount in cash through our bank account or ATM?

Sana ma refund ko at maka pag donate ako sa blog na ito bilang utang na loob.

Luck Finder said...

To the Admin of this blog, If I am not mistaken I have post at your blog last November 24 about my problem in PPLIC and while keep on reading the tips and taken follow your instructions and tips on how to cancel and refund my policy insurance paid last November 22, 2013 at PPLIC Cagayan De Oro City. Pero yung post ko hindi nag appear sa comment box, One of the content of my message to you is once I can refund I will donate some amount as my heartedly gratitude.

Anyway. I post again Admin informing you that I got my refund in PPLIC for less than 15 days, binalik sa ATM account ko, pero hindi ko lahat na refund only the endownment amounting 19K at yung 2-U LABB Plus 9K hindi talaga binalik hindi daw ma refund, what I did para hindi na lumala pa ang problema kinuha ko nalang kay sa wala.

With, this Admin ako po taos pusong nagpapasalamat sa blog at tulong mo. Mag donate po ako sa iyo pero wala akong credit card only atm lang paano kita mababayaran ng utang na loob at isa pa I promise this na once maka refund ako maski kunti babayaran kita ng utang na loob.

Maraming Salamat po at merry christimas.

Luck Finder said...

To the Admin of this blog, If I am not mistaken I have post at your blog last November 24 about my problem in PPLIC and while keep on reading the tips and taken follow your instructions and tips on how to cancel and refund my policy insurance paid last November 22, 2013 at PPLIC Cagayan De Oro City. Pero yung post ko hindi nag appear sa comment box, One of the content of my message to you is once I can refund I will donate some amount as my heartedly gratitude.

Anyway. I post again Admin informing you that I got my refund in PPLIC for less than 15 days, binalik sa ATM account ko, pero hindi ko lahat na refund only the endownment amounting 19K at yung 2-U LABB Plus 9K hindi talaga binalik hindi daw ma refund, what I did para hindi na lumala pa ang problema kinuha ko nalang kay sa wala.

With, this Admin ako po taos pusong nagpapasalamat sa blog at tulong mo. Mag donate po ako sa iyo pero wala akong credit card only atm lang paano kita mababayaran ng utang na loob at isa pa I promise this na once maka refund ako maski kunti babayaran kita ng utang na loob.

Maraming Salamat po at merry christimas.

Anonymous said...

Hi, isa rin po akong biktima ng PPLIC..., ang ng file na po ako ng letter for cancellation.di ko po alam kung ano pa ang kylangan kong gawin ang binigay lang ulit sa akin ay yung zerox copy ng letter na ginawa at ang sabi mg hintay nlang daw po ako with 30-45 days.since Nov.5,2013 pa po ako gumawa ng letter hanggang ngayon.wala parin akong na recieve khit sentimo sa debit card ko.
worth 4,500 po ang kinuha nila sa debit card ko since Nov.03,2013.please tulungan nyo po ako ma ibalik ang amount na yun.LABB PLUS po ang one of the paper meron ako.sabi po kc after one year padaw kung gsto ko nang mg contribute...punta lang ako sa any branch nila.unfortunately, taga zamboanga po ako.at sa cebu po ako na biktima while having shopping at SM CEBU.

aimee said...

hi..i was also a victim..kanina lang..sa sm pampanga..same story, may promo, 45mins na talk, etc..hindi ako mapilit nung kausap ko mag-avail ng plans nila,kaya lumapit na yung iba pa nilang agents..it’s like hindi ka makaka-alis hanggat hindi ka mag-yes..and so inoffer nila yung Life Assist Plus nila..350pesos,one time payment only at good for 1 year na daw,renewable..pumayag na ako para makaalis na..pero ako CASH ang binayad ko..hiniram din nila yung atm ko pero i can’t remember kung ginamit ba nila or na-swipe..what will i do now?please help..i would really aprreciate it..thank you very much..

Anonymous said...

Hello po. Please help! ako rin po nabiktima neto,kahapon lang po napag-avail nila ako ng LABB Plus, 9000 yung kinuha nila sa ATM card ko, being interested na mag-invest, akala ko okay lang yun, then, pag-uwi ko sobrang nagsisisi ako, restless ako and gusto kong makuha yung pera ko ulit, natatakot po ako kasi may video na ginawa,so medyo mahirap ata ito sa legality, :( help po please!

Anonymous said...

Hi question po nagsend na po kasi ako ng cancellation letter kay prudential pero sabi po nila di daw sila nag rerelease ng statement of account na cancelled upon inception? totoo po ba yun?

Anonymous said...

Pareho tayo.. narefund mo ba?

Anonymous said...

hi me and my husband ay nag avail din po ng plan nila sa sm north medyo malaki din po ung una nmng nailabasn perasana marefund p nmin thanks at about sa letter pwede po bigyan nyo lamk sample thanks

TJKY128187 said...

Gusto ko tin marefund..... Nakakainis.., kala ko okey to... Badtrip!

TJKY128187 said...

Gusto ko din marefund..... Badtrip! Please help!

Anonymous said...

Sa Angeles City Branch ko nakuha yung Wealth Builder Policy ko.

Ok lang ba na sa SM Pampanga ako magsend ng Letter of Cancellation? Thanks!

Anonymous said...

Kakajoin ko lang today sa prudential and i wanted to get my money back :( sobrang sisi ko na napapirma nila ko in just 1 day :( help po panu makuha ung 39,338 na dineduct nila sa atm ko :(

Anonymous said...

hi,i want to know if ano po kya pwede kong gawin para ma-cancelled ko po yung membership ko s pplic and if sakali po magawa ko yun maire-refund ko po p kya ung naihulog q.kc po last year po po ako nkpag invest saknila same din po sa experience nyo tnxt po aq at tinwgan n nanalo daw po aq ng scholarship s p draw nila ngpnta nmn po aq s office nila at inalok nila aq ng life insurance na papayag nmn po aq simula po nun nakaka-3 hulog n po ako ng prmiums n 1200 every 3months. ngaun q lng po kc naisipan n mgsearch about s pplic nbasa ko nga po itong mga comments nyo bigla po akong ntakot naisipan ko nrin pong mg quit mg cancelled ng membership q saknila. maire-refund ko p po kya yung mga naihulog ko sakanila kung magpa-file din ako ng letter for cancellation sakanila khit n almost 9months n po ang nakakalipas at nkakapaghulog prin po ako hnggng ngaun sakanila... please help me if paano po ang gagawin ko parang nagising n din po kasi ako sa katotohanan.

Anonymous said...

Hi. I am a victim please help i put an initial payment of 30k the policy is endowment i applied it last march 15, 2014 BUT THE CONTRACT STATED THat YOU CAN CAncelled30 days. So pwede pa yon..

Kent Lee said...

Pano po gumawa ng letter of cancellation? Nabiktima din po ako nito last april 08, 2014 sa gateway cubao. Napilit po akong iavail ung endownment plan nila at may kasamang life insurance. Yung Endownment Plan nila na pinili sakin e ung worth 78k+ ang initial depost with 4140 monthly payment at sa october 15, 2014 pa daw ung monthly payment magsstart. Ung life insurance ko LABB plus worth 18k good for 1 year, renewable daw. Tas may nakalgay sa paper na non refundable. Pano po kaya ang gagawin ko dapat po ba paabutn ko muna ng 1 year bago ako magcancel? Para di pp masayang ung 18k since non refundable po di ko rn po mababawi un. Ung endownment plan lng cguro po ang pwede ko mabawi. Please help po. Maraming salamat sa magrereply. God bless.

Anonymous said...

Blog about pplic is not true. Nanegneg lng kyo lhat

Kent Lee said...

Pano po gumawa ng letter of cancellation? Nabiktima din po ako nito last april 08, 2014 sa gateway cubao. Napilit po akong iavail ung endownment plan nila at may kasamang life insurance. Yung Endownment Plan nila na pinili sakin e ung worth 78k+ ang initial depost with 4140 monthly payment at sa october 15, 2014 pa daw ung monthly payment magsstart. Ung life insurance ko LABB plus worth 18k good for 1 year, renewable daw. Tas may nakalgay sa paper na non refundable. Pano po kaya ang gagawin ko dapat po ba paabutn ko muna ng 1 year bago ako magcancel? Para di pp masayang ung 18k since non refundable po di ko rn po mababawi un. Ung endownment plan lng cguro po ang pwede ko mabawi. Please help po. Maraming salamat sa magrereply. God bless.

noy said...

huhu n scam aq.. un strategy nla sa sm fernando.. bka meron orin cla pwesto dun dapat un nga ganun company pinabantayan ng govmnt... diz april 2014

noy said...

huhu n scam aq.. un strategy nla sa sm fernando.. bka meron orin cla pwesto dun dapat un nga ganun company pinabantayan ng govmnt... diz april 2014

Eulan Agatep said...

Hi po.. sa sitwasyon ko ay ganito.. wala akong naibigay na credit card o debit card.. nung time po na napasok ako dito, naka bayad po ako ng 16,800 cash po at nasa amin lahat nga policy copies, sinubukan ko po na bawiin noon kaya lang naabutan ako ng 30 day.. ika 31st day yun mula noong nakapasok ako sa kanila, sabi po ng manager di na po daw pwede na kunin, ipagpatuloy ko nalang daw po, pero gusto ko po ipa-cancel yun. paano po pa? same parin po ba ang gagawin? salamat po sa tulong

hessle lee Legaspi said...

Helo po, I am also one of those victimized,, i tried to cancel that before, i have 5 days more before cancellation but they reject it,they told me since the day i signed it, it was already considered 15days,, they debit 35k on my account last august 6,2013.. and i thought i got no choice then, thats y i continued it, and let me pay 1,610 last february,because they told me if i wont pay it will interest 1% monthly,, what we'l i do? i really want my money back. and give up pplic..

Anonymous said...

Hi.Isa rin po ako sa mga nabiktima nito.Ang kaibahan lang po di po ako kumuha ng ins. Nsgulat na lang po ako nung sept. May deduction ako 2 tig 70 di ko po napa stop kasi kung pupunta pa ko sa office nila e malayo saka may pasok po ako.Ngayon pong april nagulat ako dahil me dineduct na naman sakin na 2 tig 425.90.Nakakabwisit po sila wala na po kayang kumukuha ng ins. Sa kanila at nagagawa nila ang ganitong panloloko? Hindi lang po ako ang nabiktima nila dito sa amin marami po kaming mga teacher dito sa bulacan.Sana po mapa stop ko to at mairefund ko

Anonymous said...

Hi Jonha...

I would like to share my experience and probably ask some guidance regarding the withdrawal of my policy.
Yesterday, I went to PPLIC SM-Gensan Branch to inquire and to withdraw my policy which I have not paid any premiums since they forced me to apply last Jan 2013. It was worth a lot of money taken from my credit card about P42,000 including that of health insurance.
As I talked to one of their representative, I immediately told him that I am no longer interested to continue my policy although he has offered me some options.
Sad to hear, when I ask about a refund of any amount of money taken from me, I was told that based from their company's policy they don't give refunds. Of which I insist maybe not a company policy but at least it must be written in the contract stating to refund.
Since I went there just for an inquiry of how to withdraw or cancel my policy with them, I told them I'll be back to submit a formal letter of cancellation.
Jonha, was it really like that? My endowment plan after not paying the monthly premium since they forced me last Jan2013 will just be a piece of donation to them?
I hope somebody can give a good advice of how I can get back my money from them.

Anonymous said...

hello

nag-join kami sa ppli last march 12-15 2014 i thing, then nagdecide kami na ipapa-kancel namin yun policy, tinanggap naman after so many talks. tapos tatawagan daw kami, this week lang tumawag at ang sabi wala daw ma-irerefund sa min kc nga more than 30 days na daw yun policy. me chance pa ba na ma-refund yon. kasi more than 25,000 pesos din yon. 16K sa policy at 9K sa labb plus.

Anonymous said...

Matatamis na dila. Jan ako nabiktima ng P39,115 charged sa cc. Dhil sa iba iba ang sinasabi ng agent at service rep nila kinabahan na ako. Hindi rin ako kumportable sa video confirmation daw nila. Parang galit pa ung service rep. Nung sinabi kong iba ang sinasabi nya sa sinabi ng agent nya. Buti na lng right there and then Cancel ko agad.

Christine Pascual said...

Thanks to this blog. Nabasa ko reviews. I will never be a victim of their tactics. Nabunot yung raffle entry ko for 51st Anniversary raffle draw. Muntik na ako pumunta kanina to claim the said 2 year scholarship voucher reward. Buti na lang nag search muna ako. Mahirap pa naman kitain yung pera. Kumakayod yung asawa ko sa ibang bansa. Hindi pa naman namin kailangan ng insurances. Di naman kami ganun ka yaman para mag avail ng mga ganito... Galing nila gumawa ng false advertisement.

Christine Pascual said...

Thanks to this blog. Nabasa ko reviews. I will never be a victim of their tactics. Nabunot yung raffle entry ko for 51st Anniversary raffle draw. Muntik na ako pumunta kanina to claim the said 2 year scholarship voucher reward. Buti na lang nag search muna ako. Mahirap pa naman kitain yung pera. Kumakayod yung asawa ko sa ibang bansa. Hindi pa naman namin kailangan ng insurances. Di naman kami ganun ka yaman para mag avail ng mga ganito... Galing nila gumawa ng false advertisement.

Christine Pascual said...

Thanks to this blog. Nabasa ko reviews. I will never be a victim of their tactics. Nabunot yung raffle entry ko for 51st Anniversary raffle draw. Muntik na ako pumunta kanina to claim the said 2 year scholarship voucher reward. Buti na lang nag search muna ako. Mahirap pa naman kitain yung pera. Kumakayod yung asawa ko sa ibang bansa. Hindi pa naman namin kailangan ng insurances. Di naman kami ganun ka yaman para mag avail ng mga ganito... Galing nila gumawa ng false advertisement.

Anonymous said...

Hi guys ishare ko lang na experieced ko sa kanila, when i was n SM North inaproach ako ng isa sa mga agent nila and sobra niang bilis mag salita angmatatandaan mo lang is yung inooffer nila na freebies na pwede ma punta sau, they will tell u they just wanna introduce ung company nla sau and hindi kanila pipilitin na mag avail ng product nila, madami silang sinasabi na nag lead sa pag panta namin sa office nila sa annex sm north din, right there the manager approached me and asked if im willing to spend 45min for them to introduce the product i was shocked i said 45min? Then isaid "NO" sobra nilang kulit sabi ko ok 15min pwede but 45min istoo much ayaw nila pumayag they keep on insisting the 45min time and parang na bad trip pa ung manager, sabi ko tuloy putang ina di ba kau makaintindi Huh,sabay alis. GUYS MAGING MATAPANG KAU LALO SA PAG BAWI NG PERA NIO HINDI PU PWEDE MALAMBOT KAU SA MGA KAWATAN NA YAN PINAG HIRAPAN NIO YAN.

Anonymous said...

Helo po.akoy nabiktima ng pplic din nun may 5.gusto ko po icancel.natatakot po ako na hindi ni ibigay un pera.ano po dapat ko gawin.sa may sm north po ako nadali.s nov.15.2014 daw ako start magbaya ng1610.ano po dapat ko gawin.paano po processing mg cancelation.kababalik ko pa lng sa ibang bansa.patulong pp

Anonymous said...

Hi guys, i actually am a policy holder.but im thinking twice talaga, i wanted to cancel sana ung insurance na kinuha ko last may 2 kaya lang nung tinatawagan ko ung nagoffer sakin before ako mag 15days is naka-leave daw tapos i advised the office to have her call me cause i want to clarify something i never heard from them. i want to cancel my insurance them dahil wala naman talaga siya sa plano especially ngayong malapit na akong manganak. advise naman po kung paano ako paano ko maka-cancel yung policy and make sure they dont have any access to my ATM(payroll) account. i am worried na baka bigla nalang bawasan monthly yung nare-receive kong salary. thank you sa mag-rereply

Anonymous said...

mga hayop yan sila. Sa mga napag avail ng Labbplus wag na wag kayong papayag sa sinasabi nila na Hindi refundable yun. as per philippine insurance commission pwede at narefund ko ying sakin worth 4500. Kaya within 15 days na nakakuha kayo, magfile na kayo ng cancellation kasi malaki talaga ang laban ninyo ikwento ninyo kung paano kayo napakuha by force kasi basis yun sa cancellation. after a month ng hassle kakafollow up ko thank god narefund ko may bawas nga lang 250 or admin fee pero ayos na yun at least nabawi ko. Laking pasasalamat ko kay ms Lourdes ng Philippine insurnce commission sa pagaasikaso samin. kasi that time may nakasabay ako. Hayop talaga sila wag na wag kayong kukuha, hindi ninyo.deserve ang ganyan pinagpaguran ninyo pera tapos ganyan sila. I'll kwento the whole story next time pero to uplift dun sa mga latest nakakuha ng labbplus REFUNDABLE po cia. - z

Charry Correa said...

Hi. Just wanna ask lang. Ask ko sna pnu po gnwa nyo pra ma refund ung pera nyo sa prudential? Need ko kc ng praan pra mkaicp ng pde ko idahiln sknla pra pmyg cla ng refund. Ayaw kc nila pa refund sken knna dhl dw sa pinirmahan ko po na contract. :(

Anonymous said...

I think kaya nila nakuha yung contact number nung mga victims, its because sa natatandaan ko sila yung nasa malls na bigla na lang hihila sayo at sasabihin.. ano mas gusto mo kotse or trip abroad? tapos mag fill up ka ng form, and then pag nabunot ka may scholarship voucher ka na good for two years and then kukunin details mo like bank account no and etc. then they will pull out your money.. scam tsk

Anonymous said...

..i avail last yesterday then last night i researh about this then today i cancel. .un reason ko po ayaw nang partner ko yun din po yun cnave cue why i cancel. .then sbi po nila kaylangan pa mkausap partner ko anu po gagawin ko thanks. .

ジェイミー JL said...
This comment has been removed by a blog administrator.
Anonymous said...

hi po npapirma po ako last june27 po tpos pinapasa ko ung cancellation letter kopo tinataguan na ko ng sales manager san kopo kaya puedeng ipa-receive ung letter kopo tulungan niopo ako parang awa nio na wala po aqng work kinuhanan pa nila savings ko :( dko alam kung paano pupunan un kasi 1000 kulang magsasara na po ung account ko sa bdo :((((((( please salamat po naiiyak po ako...

Baby De la cruz said...

Hi jonha, i read the blog of yours about the PPLIC.. just wondering it is possible to cancel my policy even it was already 3yrs of payment?
last june 2011, i paid 16k starting and start my monthly payment of 1610 hung aug 2011, i started my monthly payment for my policy,, and i was an ofw before..but now I'm here in the phils. na so I'm planning to cancel it.. still possible ba?can i refund all my money?i hope you can help me.thanks

rosemary cruz said...

Good that I was not convinced by this Mr. Paul, pati yung hazel na yun, mga agent sila sa may farmers cubao. Mga manloloko kayo. Kawawa naman ang mga pamilya nyo -kumakain sila di nila alam galing sa trabahong nanloko ng kapwa... sasabihin nila marketin strategy? ay naku, maniwala.

Kaya po, wag kayong padala kaagad mga kapatid. wag malunod sa mga freebies, gifts at kung ano ano pa.

Kumayod po tayo sa marangal na pamamaraan at tiyak ang mga simpleng pangaprap natin sa ating mga sarili/ pamilya ay matutupad.

Sayang ng mga staff na yun sa prudential... mga bata pa pero naku propesyonal na sa panloloko...tsktsk

rosemary cruz said...

Yup, its reallt a scam. never po ninyong patulan ang humihila sainyo dyan sa mall. Sa May Famers cubao, i can still sremeber her--hazel at yung nag orient naman ay paul..

guys, please, never po tayong magpaloko. Wag madala sa mga premyong kotse at biyahe abroad.

Anonymous said...

i avail last april 29 2014,same story po victims di ako swip po nila atm ko 69k plus po nakuha nila...gusto kuna po e cancel 2mnths na po makuha ko po va refund ko??kailangan ko din po ung pera kasi pang gastos ko rin balik abroad..please help me or email me czc_jun2x@yahoo.com

irish yucon said...

Please tulong po regarding from this.. nd ko alam gagawin ko worth 9,000 nakuha sa bank atm bdo ko

jayson jamon said...

hi kahit ilang months kana po ng purchase pwd mo pa rin bang ma refund ung pera mu.
at pwd rin po bang tumiretsyo dun sa main office
thank you...

Anonymous said...

Sad to say that im one of the victimized. Same story as you guys just to get rid of them.now that night ive realized wat ive done i made a wrong decision to myself. I am a former OFW and applying to go back malaking kwalan sken ung LABB plus plan n nkuha sken in my case n di pko nkkblik abroad inaasahan ko lng tlga savings ko.so today i cancelled my policy but the Labb plus dko n mabawi ksi non-refundable dw.hopefully mabalik nlng ung sa premium health.sa tingin nyo po mbbwi ko p ung sa labb plus? Help. Thanks

Anonymous said...

nawala ang tiwala ko sa LAHAT ng insurance company sa Pilipinas ng dahil jan sa PPLIC n yan. I was victimized 4 months ago. Pare parehas tau halos ng naexperience.. Ang ginawa ko since sabi nila nakavideo ung "pagaccept" kuno ng policy, vinedio ko din ung conversation namin. If incase na ayaw nla irraise ko kay TULFO ng malaman ng buong sambayanan ang baho ng kumpanyang ito.. Lakasan nyo lang loob nyo kc kung papakita kau na natatakot o kaya nila kayong mandohin. Ginawa ko tinarayan ko ung manager pti ung mga staff nya. Pinarinig ko sa mga tao dun na mbbiktima nila ung pinaggagagawa nila.. Fortunately after 40 days narefund ko lahat sa ccard provider ko (HSBC) for sure alam na nila ung case ko kc marami n tlgang nabikitma tong PPLIC.

Anonymous said...

Unfortunately still operational pdn ang mga bogus na branch nila sa SM MEGAMALL at ROBINSONS GALLERIA. Nireport ko ndn yan sa admin ng SM kung bkt hnahayaan p nila mangbiktima ang mga yan (PPLIC) in fact nung nagreklamo ako sa admin ng SM may nakasabay pako 4 na babae. Pinagharap harap kami ksama ung mgr ng PPLIC. Nagreport ndn ako s DTI at Phil. Insurance Assoc.. Good thing nareverse lahat ng nacredit sa card ko all in all 27k+. Wag kayo maniwala na non-refundable ang LABBS+ na yan pti admin fee nga nareverse sa acct ko. Aware ndn ang HSBC sa modus nila kaya withn 40 days na reverse agad. Wag lng talga kau papasindak sa mga staff ng PPLIC hnggat maaari kau manindak sa kanila.

Anonymous said...

Hi po,,, nagavail pko ng insurance din last nong january,,, ngayon kulang nabasa mga blog na to about sa company na yan and gusto ko rin sna irefund ung nainvest ko almost 64k,, pahelp naman po ilang years kpo kasing pinagiponan un,,,

Anonymous said...

hi po,,, pahelp nman po how to refund ang nainvest kpo last january pa po ako nagavail, almost 64k po ang nainvest ko....

Unknown said...

Hi. Nakakalungkot sabihin pero ako din ay nabiktima ng letcheng PPL n yan!!! Nabasa ko tong blog na to at nagpunta ako sa office nila para icancel ang naavail ko n sa kanila, guess what guys?? Yung P16000+ na initial at 2 yrs na hulog sa halagang P1610 monthly, pag pinacancel ko ngyon ang marerefund lng sa akin ay P14000+ lng??!!!! I was shock at that moment.. What the heck! Isn't?! Almost P53000+ tapos ang marerefund ko lang P14000+??!! God tamaan po sana sila ng kidlat. Naiiyak ako sa Galit kasi parang ipamimigay ko sa kanila.Ang almost P35000 ko na pinaghirapan ko, buti kung pinulot ko lng ung hinulog ko sa knila ;( sana may makatulong na mabawi ko lahat ng pera ko ;( at sana may makatulong din para mabigyan ng leksyon ang kumpanyan na iyan..
Nanloloko sila ng mga tao ;(

Unknown said...

Hi. Nakakalungkot sabihin pero ako din ay nabiktima ng PPL n yan!!! Nabasa ko tong blog na to at nagpunta ako sa office nila para icancel ang naavail ko n sa kanila, guess what guys?? Yung P16000+ na initial at 2 yrs na hulog sa halagang P1610 monthly, pag pinacancel ko ngyon ang marerefund lng sa akin ay P14000+ lng??!!!! I was shock at that moment.. What the heck! Isn't?! Almost P53000+ tapos ang marerefund ko lang P14000+??!! God tamaan po sana sila ng kidlat. Naiiyak ako sa Galit kasi parang ipamimigay ko sa kanila.Ang almost P35000 ko na pinaghirapan ko, buti kung pinulot ko lng ung hinulog ko sa knila ;( sana may makatulong na mabawi ko lahat ng pera ko ;( at sana may makatulong din para mabigyan ng leksyon ang kumpanyan na iyan..
Nanloloko sila ng mga tao ;(

Unknown said...

Sad to say Di mo marerefund ang pera mo 100%.. Baka shock ka kung gaano kaliit ang marerefund mo. Sa akin na almost 53K amg nainvest ko kung icacanel ko 14k lng ang mairerefund sa naihulog ko ;(

Anonymous said...

Kng mag22long 2long po cguro tau mkukuha ntin lhat ng pera natin Jan as PPL na yan..

Anonymous said...

isa din po kming planholder.halos 4yrs npo nhulog namin na stop lang last year..ngaun ko lang po kc nkita acct nyo.anu po maganda gawin para mkpagrefund kami.pls help po

Anonymous said...

how can i get my refund for the first premium i paid after 3 months? i paid over 8K and i could no longer afford it. i have submitted a letter of intent but they told me they could no longer grant the refund. please help.

J. karma said...

Hi ung statement of account wala sa mga documents na pinauwi sakin...cpuld I just ask for it once I submit the letter? Magccancel na kasi ako today

Anonymous said...

Tanga...iaasa m sa iba future mo???

Anonymous said...

Tanga ka....

cye said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

cye said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

cye said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

Cyrill Penacuba said...

Hi I need help... same day nyu lang din nakuha ang letter of cancellation na signed by the manager and the SOA sa PPLIC? Kasi un nanay ko po nakailang balik na pero sinasabi nila wala un manager at tatawagan na lang pag okay na daw po.. bigyan nyu po ako ng advice kasi parang niloloko na nila nanay ko at naka ilang balik na pero walang nangyayari po nakakuha sila ng 13k sa CC at may monthly pa na 3k per month sa CC nya... NEED HELP pls... advice po :((

Anonymous said...

pano po ippacancel yon?nasa ibang bansa po kami..sana mababawi pa yung money nmin..😔😔😔

Anonymous said...

Nag avail me good for 1 year.. 13500 Iike. D plan for my future ..nung September 22 2014 ...some story sm Fairview din...now ko lng nabasa paglabas ko coco life naman any nag aantay kaya bago magtatapos ...sabi ko sorry wala na pera ang ATM ko.

Eunice April Montal said...

I made the transaction po last Sept 1, 2014 and yesterday lang po pinadala yung MBS from BDO. Credit Card po ginamit ko pero wala pa pong laman yung card since ayoko talaga syang gamitin kase mahirap lalo na i had the card kase binigay lang ng BDO kase dun sa ATM ko ngppdala ng pera yung papa ko so binigyan nila ako ng Credit dahil member nako ng BDO for years. Pano po i cancel yung sa Insurance since sabi ng dad ko i cancel ko sya dahil di ko rin yun kayang bayaran dahil ng uumpisa palang ako i had my first job now and konti lang sahod ko like kasya lang sya sa pamasahe and pa resign na din ako to find a better one but still gusto ko pa din i pa cancel yung transaction. Nag stroll lang naman ako sa mall after ng work tapos bigla may lumapit sakin na taga PPLIC and sabi may promo sila mga ganun then mg present lamg daw ako card para mka join sa raffle nila and hanggang sa dinala ako sa office nila and sabi introduce lang company sakin then nag start sa wala akong babayaran and at the end di ko na alam dahil ang bilis ng nangyare ngayon may babayaran nako na 13500 every year. Help po please talagang after ng araw na yun naisip ko bigla na diko dapat ginawa yun and di ako makatulog ng ilang araw lagi ko problemado dhil dun kaya advice ni papa na ipa cancel nalang and di namin need yun ngayon kase sya rin wala syang kahit ano na ganun insurance eh. Talagang magaling lang sila magsalita and sabi ko nga na na attract lang ako sa promo and wala akong babayaran na khit ano. Thanks sa sagot po! Sana makareply kayo agad.

Anonymous said...

same to you .. ngayon lang ako sa september na biktima .. saan po bang branch ako mgpapadala ng letter?

Anonymous said...

saan pong branch ako mgpapadala ng cancellation letter?

Anonymous said...

Huhuhu ang mga tao nga naman.bakit kayo magpapacancel ng POLICY JUST BECAUSE THE BLOGGER CANCELLED HIS?? importante ang merong insurance.ang pagpapacancel kung kababayad mo palng yan ay sa 30 day grace period.sa time na ito may time ka para basahin ang policy.PPLIC is backed by INSURANCE COMMISSION.tandaan po natin kapag nag sesearch iba ang PHILIPPINE PRUDENTIAL an insurance company sa PRUDENTIAL LIFE a pre need company na syang napapabalitang bankrupt..wala pang nag sasarang insurance company.lahat dito naaabsorb ng ibang insurance company na malalaki dahil lahat ng insurance company may pondo yan.Kung tapos kana na magbayad ng policy hayaan mo lng ito dahil insured ka.kung isusurender mo pa ito kahit naghihintay ka nlng ng maturity e...duhhh hahaha...iwan ko lng sayo...kung sabihin na natin na first in the history na magsara ang PPLIC sa anumang kadahilanan gaya ng mabagsakan ang main office ng meteor ay may makukuha ka padin sa insurance commission...kung ang banko may PDIC ang insurance company may IC.ngayon kailangan mo lang malaman ang pinagkaibahan ng insurance company(Philippine prudential)sa pre need company(prudential life)kung nakakalahati na kayo ng bayad ituloy nyo lng.pero yes kung 15 years kayo magbabayad depende na sa inyo yun.ako i prefer 5 years to pay..hindi ko pinagtatanggol ang PPLIC.nakakuha ako dito.pero unlike you bago ako kumuha dito meron na akong existing na dalawang insurance PHILAM AT SUNLIFE.bayad ko na ang philam halfway sa sunlife.unfortunately after ko magbayad sa PPLIC nalaman ko na nacancel pala ito or sa madaling salita hindi na approve ng underwriter after a year pa.43k ang initial payment ko through credit card..sa case ko hindi ako ang nagpacancel kundi sila ang nagcancel.for health reason yun kasi mataas ang bp ko..medyo ok naman ang nag assist sa akin sa rob manila yun.43k dineposit as advance payment sa credit card ang method ng refund ko na dapat pinacheke ko nlng.pbalik balik din ako sa bank bpi para icheck nga kung naibalik na nila..kumuha din ako sa cocolife na kinancel ko din dahil mahaba ang babayaran at may kamahalan 60k a year.ngunit ngayong year lng 2013 since mature na ang PHILAM ko as endowment kumuha ulit ako ng new policy sa philam 4 10 years.pwedeng gawing pambayad ang nag mature na policy pero what for??sayang ang investment mo kung kumikita ito.kung kaya mo lang din naman bayaran yung new policy mo.SAYANG PO PAG PINACANCEL NIYO ANG POLICY.HINDI BALI KUNG NASA 30 DAYS GRACE PEROID KAPA PO.pero kung nakabayad kana surrender wala kang makukuha sa unang taon.at sa pangalawang taon luge ka po masyado sa surrender value.
kung nangalahati o lagpas kana.suggest ko lng tuloy nyo na...baka ano pa mangyari sa inyo insured po kayo.kung may problema sa pagclaim ng policy ang family member may insurance commission po na pwede hingan ng tulong..

Anonymous said...

Hehehe sayang po pag ipacancel mo ang insurance.nagagawan ng paraan ang savings lalo na yearly yan.kung hindi ka sure sa PPLIC kumuha ka sa malalaki na company gaya ng PHILAM,SUNLIFE AT AXA,actually kahit sa anong insurance company pwede.ingatan na wag makakuha sa pre need company dahil yun medyo madaming isyu.pero as of 2009 ang may hawak na ng pre need company ay insurance commission na at hindi na SEC.NOT SURE PO DITO.kaya mababantayan na din ang mga pre need company.ngayon ka dapat mag start mag ipon.hindi dahilan ang maliit ang sahod para di makakuha ng insurance.21 lng ako ng kumuha ng insurance una sa philam.pelac pa dati yun.in which hindi maganda ang policy.for the sake na meron ako hinayaan ko na kahit medyo alanganin ako.and later on sa kakasearch ko about personal finance maganda pala ang insurance.about your father naman well nasa sa iyo yun.dahil maswerte at wala nangyari sa kanya.but hindi ibig sabihin ganun ka din kaswerte.ngayon meron na akong tatlong insurance policy.1 year nlng mature na ang una kong kinuha sa philam.2nd policy ko sa sunlife magmamature after 4 years.at itong huli kumuha ulit ako sa philam.bali 9 years to go.although pwede kung ipang bayad ang una kong kinuhang policy sa philam kasi endowment yun.but sayang kasi kumikita ung una ng at max 6% per annum.2nd and 3rd ko na insurance are variable insurance.sunlife naka attach sa bond and balance fund while ung last philam ulit variable din pure equity fund lang..from here malalaman mo about mutual funds..kukuha ka din noon..either sa insurance company din philam at sunlife meron din nyan.or uitf sa bank.at from mutual funds maiintroduce ka sa stock market at ito ang goal nating lahat.money making money...that was what 9 years ago???hindi ko alam bakit naging biktima kayo sa pagkuha ng insurance.imagine kung sinurrender ko ang unang insurance na kinuha ko dahil feeling ko luge ako???wala sana akong 40k a year na makukuha ngayon..hindi sana ako insured ng 400k ngayon.hindi sana sya aabot ng 2million at the age of 60..50k ang yearly nito for 5 years sa philam to..balik baliktarin mo man..dehado ako sa pera ko dito.noong una feeling ko na scam ako dito.pero itinuloy ko lng.maayos din naman.basta insurance para sa akin ok yan.at isang policy palang yan at makakaasa ka na ung 2nd and last marunong na akong sumuri at magbargain.hindi na ako luge.30k lng ang premium pero mataas ang face value more than double sa una.lalo na itong pangatlo..both are variable insurance..nasa bond,balance at equity..

Anonymous said...

Hi isa rin ako as nagging biktima nila 2 days ago... ang sakit para sakin kasi naisip ko yung perang nakuha nila from me lacking tulong na yun sa pamilya ko ei naisip Kong napakatanga ko sang masakit pa di ko na mabawi peraw ko. Okay lang may diyos naman ei xa nalang bahala sa lahat dahil kung patuloy along magagalit as sarili ko at as kanila tayo lang din ang mahihirapan naisip ko patawarin ko nalang Silva at mag move on at matuto as nagawa kung Mali...

Anonymous said...

sana makuha ko rin ung akin .. ya allah help me .....

Mary Ann Espineda said...

Hi po, please po I need your advice, One year na po since yung huling hulog ko sa policy ko.When I got pregnant nahinto.Nung tinawagan ko yung hotline nila, Sabi kailangan ko daw mag-request para ipagpatuloy yung paghuhulog sa policy ko.So kung ma-deny yung request ko,balewala na yung hulog ko.Di rin daw pwde I-cancel dahil one year na nag-lapse.paano po ba gagawin ko?

Anonymous said...

Hello. May tumawag na PPLIC about rewards2 daw na scholarship, so after ko basahin mga comments dito siyempre di ko na iclaclaim. And i don't want anything to do with that company. Hindi naman ako nagavail ng kahit ano, di rin ako nadala dun sa orient2. But i filled up yung promo2 daw na tour or kotse. I can't remember if nalagay ko ung account number ko sa bank. Sana wala. So.. right now, takot ako na baka may magbawas na pera.need ko pa bang magpacancel ng anything sa kanila kahit wala naman akong inavail pa?

Anonymous said...

Gnyan dn ngyari sken at pina-cancel q agd kc nbsa q 2ng blog...after 33 days pa naibalik pera q sa ATM q wlang bawas..sobrang tgal pero naibalik dn...dpt mging matapang kau at cla dpt mtakot sa inyo,lgi niu lng i-follow up...pangit ang prudential the way n namimilit cla ng client nila at in just few hours lng mg-iicp..pangit sistema nila dpt i-report na yan

Anonymous said...

Sa Gateway mall pauwi nq nun at tinanung qng my ATM b q or credit cards tas pina-fill up aq chance to win car or trip dw sa ibng bnsa...hinulog ang raffle ticket q at umuwi nq..after ilang weeks my tunawag sken at nanalo dw aq ng set of GC's punta dw aq sa office nila sa ortigas pra kunin ang mga Gc's ksma dun ang scholarship...sept.16 aq pmunta dun ksma bf q at pinilit nila aq mg-avail ng insurance...super sales talk cla samin at 1day lng dw un kya mgnda qng mg-aavail nq..sv q bigyan nila q ng ilang araw pra mg-icp..sv sken 1day lng dw at sayang nmn dw.,.bnigyan p kme ng inumin na ice tea...at un pinipilit tlg kme hnggng sa ng-avail kme at n-swipe na ATM q hlgng 25k plus...at super saya nila kc ng-avail aq at bnigyan p q ng isa png 2yr scholarship..at ksma dw aq sa 50 na pipiliin nils pra mkpuntang ibng bnsa or manalo ng car..at umuwi n kme dala ang mga documents n bnigay nila...at pg-uwi ng-search aq at nbsa q 2ng blog n2...Sept.18 kinancel q ang insurance n inavail q..ayaw nila pumayag kc bka d na dw mbalik pera q...ngalit kme ng bf q,4 na tao kumausap smin sv q ibalik niu pera q...hnggng sa pinirmahan ng manager nila ang letter q at pa2dala dw nila un sa head office nila sa galleria...at follow up q nlng dw dun...lge qng tintwagan pra mlman qng kailan ba2lik pera q...30-45 days dw bgo bumalik...after 33 days bumalik pera q sa ATM...dpt ireport yang prudential kc pngit way ng pgbebenta nila ng insurance kc namimilit cla...at pbagsak n yan...lesson yan sken at stin na wag bsta-bsta mgtitiwala lalo na at money involved na...sana makatulong aq sa inyo...

Anonymous said...

PPLI ang insurance ko. Pro im planning to cancel it because i cant affort yo pay it monthly now. Mag isang taon na po ang babayaran ko.
Makukukha ko ba lahat na binayad ko through my debit card?

Anonymous said...

gsto ko sana bawi yung P4500 na kinuha nila sa akin...sabi nila hindi na daw pwde irefund...paano pon ba yun?

Anonymous said...

Ako rin cancel ko Sanakaya lng d na daw pwede.pwede pa bang marefund kahit ilang months na.I need reply pls.

Anonymous said...

Ako din plan ko na pa cancel yung akin kasi puro benefits lang ung sinasabi nila. Tsaka ang bukang bibig nila it is available just for today. Sabi nila invite lng nila aq sa office nila ibbigay ung offer nila freebies. At good for 45 mins lang. Hindi nabanggit sa discussion once na pumayag ka mgbayad thru debit na kakaltasan ka na monthly tuloy tuloy na upto mkaabot ka sa target na amount na bayaran. Sabi ko kelangan ko pa magisip tas iniinsist nila good for today only pero kung mkakapagbigay ng initial payment na sinet nung agent magkkaroon ka na ng plan. Tas ung hinahanap ko plan ung may health benefits pero wala naman. Meron pa cla kinuha na video tas papasagutan ka oo para katunayan nila lng. Kaya moral lesson wag niu basta2 bigay bank account niyo. Sna mabawi q pera ko. Subukan ko eto method sa blog na to. Sana mahinto na tong scam na to kasi mali. Style nila kukulitin ka mapapayag ka lng at kung anu pa ssabihin mapa oo ka lang peo ndi nla sinasabi lhat ng dpat malaman ng consumer basta ang importante sa kanila mkpagbigay ka sa kanila insurance ng hulog.

Anonymous said...

Ako din plan ko na pa cancel yung akin kasi puro benefits lang ung sinasabi nila. Tsaka ang bukang bibig nila it is available just for today. Sabi nila invite lng nila aq sa office nila ibbigay ung offer nila freebies. At good for 45 mins lang. Hindi nabanggit sa discussion once na pumayag ka mgbayad thru debit na kakaltasan ka na monthly tuloy tuloy na upto mkaabot ka sa target na amount na bayaran. Sabi ko kelangan ko pa magisip tas iniinsist nila good for today only pero kung mkakapagbigay ng initial payment na sinet nung agent magkkaroon ka na ng plan. Tas ung hinahanap ko plan ung may health benefits pero wala naman. Meron pa cla kinuha na video tas papasagutan ka oo para katunayan nila lng. Kaya moral lesson wag niu basta2 bigay bank account niyo. Sna mabawi q pera ko. Subukan ko eto method sa blog na to. Sana mahinto na tong scam na to kasi mali. Style nila kukulitin ka mapapayag ka lng at kung anu pa ssabihin mapa oo ka lang peo ndi nla sinasabi lhat ng dpat malaman ng consumer basta ang importante sa kanila mkpagbigay ka sa kanila insurance ng hulog.

Anonymous said...

Ako din plan ko na pa cancel yung akin kasi puro benefits lang ung sinasabi nila. Tsaka ang bukang bibig nila it is available just for today. Sabi nila invite lng nila aq sa office nila ibbigay ung offer nila freebies. At good for 45 mins lang. Hindi nabanggit sa discussion once na pumayag ka mgbayad thru debit na kakaltasan ka na monthly tuloy tuloy na upto mkaabot ka sa target na amount na bayaran. Sabi ko kelangan ko pa magisip tas iniinsist nila good for today only pero kung mkakapagbigay ng initial payment na sinet nung agent magkkaroon ka na ng plan. Tas ung hinahanap ko plan ung may health benefits pero wala naman. Meron pa cla kinuha na video tas papasagutan ka oo para katunayan nila lng. Kaya moral lesson wag niu basta2 bigay bank account niyo. Sna mabawi q pera ko. Subukan ko eto method sa blog na to. Sana mahinto na tong scam na to kasi mali. Style nila kukulitin ka mapapayag ka lng at kung anu pa ssabihin mapa oo ka lang peo ndi nla sinasabi lhat ng dpat malaman ng consumer basta ang importante sa kanila mkpagbigay ka sa kanila insurance ng hulog.

Anonymous said...

Ako din plan ko na pa cancel yung akin kasi puro benefits lang ung sinasabi nila. Tsaka ang bukang bibig nila it is available just for today. Sabi nila invite lng nila aq sa office nila ibbigay ung offer nila freebies. At good for 45 mins lang. Hindi nabanggit sa discussion once na pumayag ka mgbayad thru debit na kakaltasan ka na monthly tuloy tuloy na upto mkaabot ka sa target na amount na bayaran. Sabi ko kelangan ko pa magisip tas iniinsist nila good for today only pero kung mkakapagbigay ng initial payment na sinet nung agent magkkaroon ka na ng plan. Tas ung hinahanap ko plan ung may health benefits pero wala naman. Meron pa cla kinuha na video tas papasagutan ka oo para katunayan nila lng. Kaya moral lesson wag niu basta2 bigay bank account niyo. Sna mabawi q pera ko. Subukan ko eto method sa blog na to. Sana mahinto na tong scam na to kasi mali. Style nila kukulitin ka mapapayag ka lng at kung anu pa ssabihin mapa oo ka lang peo ndi nla sinasabi lhat ng dpat malaman ng consumer basta ang importante sa kanila mkpagbigay ka sa kanila insurance ng hulog.

Anonymous said...

Ako din plan ko na pa cancel yung akin kasi puro benefits lang ung sinasabi nila. Tsaka ang bukang bibig nila it is available just for today. Sabi nila invite lng nila aq sa office nila ibbigay ung offer nila freebies. At good for 45 mins lang. Hindi nabanggit sa discussion once na pumayag ka mgbayad thru debit na kakaltasan ka na monthly tuloy tuloy na upto mkaabot ka sa target na amount na bayaran. Sabi ko kelangan ko pa magisip tas iniinsist nila good for today only pero kung mkakapagbigay ng initial payment na sinet nung agent magkkaroon ka na ng plan. Tas ung hinahanap ko plan ung may health benefits pero wala naman. Meron pa cla kinuha na video tas papasagutan ka oo para katunayan nila lng. Kaya moral lesson wag niu basta2 bigay bank account niyo. Sna mabawi q pera ko. Subukan ko eto method sa blog na to. Sana mahinto na tong scam na to kasi mali. Style nila kukulitin ka mapapayag ka lng at kung anu pa ssabihin mapa oo ka lang peo ndi nla sinasabi lhat ng dpat malaman ng consumer basta ang importante sa kanila mkpagbigay ka sa kanila insurance ng hulog.

romncik cruz said...

may tanong lang ako nabiktima din kasi ako ng philippines prudential life insurance company na yan 5yrs. ago na last 2009.nabalitaan ko kasi na pwede ko pang makuha ang pera ko. makukuha ko pa poh ba iyon malaking pera din ang naibigay ko.. thanks and godbless

jessielyn villarino said...

pano po ba ma icancel un nakakuha po din kasi ako sa kanila 4500 no refund po nakasulat sa rules nila pano po ba yun

Anonymous said...

hi nabiktima ako yesterday. grabe pinagtulungan ako nung mga agents nito sa gateway cubao. ayoko talga mag- avail kasi hard earned money ko yung 4500 na ilalagay sa LABB PLUS. They dont understand that instead tehy kept on saying na "sayang yan, gift mo na sa sarili mo para if ever may mangyari di ka magiging pabigat sa pamilya mo". Pero I was really disappointed na. I know im being deceived pero ang hirap umalis kasi they were surrounding me na sa office nila. Help po!! I want my money back, kahit may bawas, ok lang. It was never that easy para ipunin ko ung pera na un :(

Anonymous said...

Huhuhu, nalulungkot aq, panu q un mababawi, kasi nmn nadala q s mga snasabi nla, un n nga sabi 45 mins, inabot ng 2 hrs..nkakainis!!!! mgpapalit p nmn n kmi ng ATM card, bka hindi n nila ibalik sa kin, un lng pati pera q sa ATM, 9000 un, super sayang.. first tym q to..

Anonymous said...

Yesterday napadaan din ako ng gateway cubao at nainvite sa 45mins presentation nila. Maganda yung offer nila. Isang agent lang nila nakipagusap sa akin then nung di ako kumuha nilapitan na kami ng supervisor at manager. Sobra nilang pilit at kung ano ano pa mga sinasabi nila. Buti na lang di nila ako napilit na kumuha ng plan. Kasi talagang may pinaglalaanan ako ng pera.

Anonymous said...

hello mam. is it true po ba na makukuha ung refund after 2 years daw? un kasi ang sabi ng sales agent para wag ko na daw icancel. huhuhuhu. d ko rin alam kung bkit ako sunod ng sunod. nakakaintimidate kasi. labag naman sa kalooban ko. magfafile ako ng cancellation pero sana d naman umbot ng two years ang refund.

Anonymous said...

hello mam. gusto ko lng po sanang iask kung totoo ba na after two years pa mkuha ang refund. un kasi ang sabi ng sales agent kaya mas mabuti pa daw na wag ko nlang icancel. i want my money back. grabe pagsisisi pglbas ng office nl. sbi advertisement lng. d ko rin alam kung bakit ko bnigay atm ko nung time na un huhuhuhu. b

Dave said...

I've never experienced such a disreputable company. Their sales tactics would be considered illegal in many other countries, and when you go through the cancellation process they are such weasels, trying to wriggle out of it. Just stay firm and know your rights and you'll be fine.

They will keep insisting that negative comments posted online are all from rival companies trying to bring them down. I guess that means they use those tactics themselves against the competition, if they know so much about it? And I guess that means I and the 120 other people who've commented on this post (and counting) are all employees of a rival firm. Get real, stop making pathetic excuses and start building a reputable business!

Anonymous said...

February 11 may nagtext sa akin from MB Life Insurance na may freebies daw ako, tinawagan ko to confirm kun totoo, oo daw iclaim ko daw sa office nila sa San Juan Greenhills, ako naman uto uto pumunta, hay nilakad ko lang from MRT to their office, at dahil puro benefits ang dinidiscuss nila, napapayag ako, ang pagkakamali ko pa pumirma ako sa lahat ng pinapirmahan nila including yung credit card ko, imagine 145k sa 2 credit card ko sinwipe, para kong nahipnotismo sa ginawa nila o wala lang ako sa sarili nung araw na yun, tumawag ako sa asawa ko at late ko na nasabi sa kanya ang ginawa ko, kaya pinagalitan ako, kinabukasan pagpasok ko sa office nagsearch agad ako sa net at ang daming negative akong nabasa kaya nagdecide ako na icancel na, hindi rin makatarungan yung ginawa nila sakin dahil magkano lang naman sahod ko tapos yung mga pinagpiliang amount na binigay sakin ang lalaki porket ang taas ng credit limit ko sa bank sinagad nila grabe, pumunta ulit ako sa bank feb13 para magsend ng cancellation letter, tumawag kasi ako sa insurance commission at para sigurado daw magsend na ko ng letter. Kinausap pa nila ako pagpunta ko dun at kung ano anong pinagsasabi nirecord ko panga hay, nakakainis naiyak ako sa inis. Ngayon may tumawag sakin mula sa MB Life Insurance at pinapapunta ako sa conference meeting sa kanilang manager, ang hassle, hindi ako pwede magleave sa office para lang sa knila, pwede bang hindi nalang ako pumunta at hintayin n macancel ang insurance policy ko? May 15days grace period naman diba? So kahit hindi na ko pumunta no? grabe nakakadala..sana wag mangyare sa inyo to guys.. sarap ipost sa fb yung mga mukha ng mga manggogoyo, kahit hindi scam company nila very deceiving ang approach, bwisit

Mafel Coronado said...

Same story sa SM fairview din po ako na branch Labb plus din. Pls help nagreview po kasi ako short ako sa budget. Please...

Anonymous said...

Same story sm fairview din po labb plus nonrefundable daw kasi nasa papers. Pwede po tayo magreklamo. Plss help nagrereview po kasi ako need ko yung pera. Plss

ma.moriel Delima said...

hi po :)
panu pong pagcancel kung nasa singapore po ako sabi kc ng mama ko last time ng inquire sya dun sa office ng insurance co.dapat ako daw mismo eh ang probz nga malayo po ako.. need your help po :) thanks a lot

ma.moriel Delima said...

hi po :) nees your advice kc po panu po ang pagcancle ko nasa singapore po kc ako ngayon di po ako makapunta sa office nila ng personal.ang sabi kc ng mama ko last time pinag inquire ko xa dun pra sa icancel,ako daw dapat pumunta.pls po need your advice.thanks a lot and God bless

ma.moriel Delima said...

posible po bang magsend ako ng email for cancellation? pro d ko po alam san isend o anong email address ng company....thanks po tlga

Anonymous said...

Hi, any help kung anong sasabihin ko para marefund ung Labbplus na binayad ko? May video, may pirmahan, but ang pangit kasi ng approach nila. Mapipilitan ka talaga. Pano mo na kuha ung sayo? Please help

Fhelyn said...

Just want to update 'bout my cancellation of LABB PLUS at PPLIC last March 11, 2015 when I was victimized at sm fairview same of all your experience, then March 19, 2015 I file a cancellation letter and ask for refund but they insisted na "wala ng refund" so I ask my sisters help tapos March 20, 2015 bumalik ako w/ my sister kinausap namin yung manager nila tapos ang dami pang sinabi para ikot ikot lang ang usapan binaliktad pa ako daw di nakaintindi sa inis ko sumingaw na ko tapos nakisawsaw na kapatid ko ayon binigay na and cancellation na hiningi ko and refund 30-45days daw. I'll update you kung makuha kuna yung pera. I suggest na pagsama kayo kasi dami silang kaartehan balik baliktarin lang nila usapan. 🔫 why do SM mall allow them.. Hmmm smells fishy.. 😜

Anonymous said...

Kakareceive k lng ng call from this assholes! kesho nanalo daw ako ng libreng educ plan for 2 years..eksakto naalala ko ung sa eastwood sa cyber mall to prudentail life fly & drive promo (magingat mga nagwowork sa eastwood)may mga babae dun na nka pang opisina pa ang dating at kala mo kapitapitagan..sir signeup ka then i draw po ito pde ka manalo ng kotse at bakasyon which is posted sa poster nila..shmpre ako nmn ok libre wla mwawala..fillout then lagay s dropbox..after 2 months i received a call (kanina lang) nanalo nga daw ako at kelngan ko magdala ng 2 valid id's to claim my prize with atm dapat my 5k balance daw ung atm..seryoso kayo mga gago atm??!requirement daw pra malaman kung active!sabe ko king ina anong kalokohan to?atm ksma sa requiements pati credit card???tpos nag text sa cp ko ng address..naglagay pa ng wag mag tsinelas dapat nakasapatos pag mag claim ng prize/sampalin ko kaya kayo ng tsinelas sa muka! ..tinetext ko ung nagtext ng address..nagrereply nmn.pero nararamdaman ko na .sabe sir totoo po ito blah blah blah.malalaman nyo na totoo ito.OO TOTOONG ISA ONG KALOKOHAN!Buti nalang hindi ako nagpunta ! i did some research.nalaman ko na prudential life is pabagsak na so gumagawa ng kakaibang tactics,scamming techniques,pag nagpunta ka pra claim kunwari ung prize mo na educ plan ,bigla kung ano ano sasabhin..bigla magiiba ihip ng hanghin..sasabhin sayo wala ka babayaran.wlang sign-up ,member ship na kung ano, wala kang ilalabas na pera.pero sa MANIWALA KA at HINDI lahat ng maririnig mo sa taong kausap mo ay kasinungalingan..ang aamo ng muka npakagagalang..magaganda itsura gwapo,sexy pero magiingat ka sa mga ganitong itsura!gagawin nila lahat para sa kumpanya nila lahat ng masasamang gawain para mabawi ang mga nawala sa kanila at mga taong inosente ang pinagloloko ng mga gago!! kaya hindi umaangat ang pilipinas sa mga kagaya nyo! ung mga taong paangat at nagiipon ng pera para sa pamilya,lolokohin nyo pra mag invest tapos walang kapupunthan ung pera nila..hinihila nyo sila pababa! paki report nga to sa NBI.lahat ng biktima para makarating sa lahat ng tao at ma ilagay to sa national TV.mas maganda kung marami ang magrereport! nireport ko sa NBI din to sa scam and fraud department ng NBI eto ung nagtetext skn na kupal 09165484942 sya daw ay taga PPLIC.huwag nyong hintayin na ang karma ang sumingil sa lahat ng kalokohan nyo sa mga tao..maraming tao nagpapakahirap para makaipon at gustong tuparin ang mga pangarap nila sa kani-kanilang pamilya..Kaya kung IKAW na nagbabasa ng blog na to wag ka ng magdalawang isip..wag kang magpaloko sa mga salita ng mga ulol na to..yung prudential life na nasa cyber mall na nag nagpapsignup na kunyare raffle sa fly & drive raffle.walang nanalo dito press release lang kunwari ung mga nanalo ng kotse at libreng bakasyon.kakapal ng muka nyo sa mall pa kayo nanloloko ng tao..huwag nyong hintayin sa loob ng mall ko pa kayo pagsasapakin!inosente tao ginagago nyo!matakot kayo sa 10x karma!

Anonymous said...

Ask lang. Narefund mo po ba yung pera mo? Nabiktima din ako kanina lang. :( yung 4500 po ba yun yung sinasabi nilang pang 1year na?

Zen-Zen said...

Hi, i want to cancel my endownment plan, pwede pa kayang marefund yun kahit lampas na ng 15 days grace period?.. i just cant afford to pay it anymore

Anonymous said...

Good day sir/mam,

How about if nakalipas na yung 15 days? like 44 days na, maari ko pa kaya mapacancel yung plan? and hindi pala ako monthly, semi-annualy yung hulog ko, so yung next nilang kaltas sa atm ko is sa september 30 pa.. salamat po.

Christine Joy Lee said...

Hello po. Need ur help. Ano po pwede ireklamo sakanila at san po pwede ireklamo? Nakakainis. Kahapon po ito nangyari sakin huhuhu. Sana po matulungan nyo ko. Kaso ang instructions sakin e after 2 years pa marerefund kung ipapacancel ko 😟😟😟

Anonymous said...

helo ms jo.i need your help also...i want to cancel my peso builder policy happened last june 19, 2015..pumasyal lang sa sm sta mesa...at un nga may nag invite sa akin...sa mga nabasa ko sa mga comment..we have the same experience..di ko na po isasalaysay pa...taga malayo po kasi ako from ilocos norte...at pumasyal lang doon ng isang araw...napapayag ako on the other side labag sa kalooban ko..parang naforce ako na mapauoo nlng dahil tuwing tanggi may mga naioofer sa akin na ibang plan..ginawan pa ako ng video para.. masure nila na convince ako at tinatangap ko talaga ung plan ...ang hirap kasi parang di ka papalabasin hangat dika mag oo...sabi sandali lang...45mins lang na orientation...d q alam na ganun pala...d ka makakalabs na di oo..first time ko po kasi nito....kaya wala ako idea...mam may way pa ba para mbikis ko pong marefund ang aking iniwidraw na pera galing sa atm account ko...savings account ko un..9008.90..malaki din po nailabas ko sa aking account kaya nakapanghihinayang din po dahil..mahabang panahon ko pong pinagipunan..hectic po kasi schedule ko sa aking trabaho kaya wala po ako time na makapunta sa office nila...nagtext ako sa sales agent...sabi ko sa kanya nagsend na ako sa insurance commision at sa kanilang email mypolicy@ philippineprudential.com na pinapakancel ko ang aking peso builder policy...ang repky sa akin...since daw nakapag email na daw ako...naendorse na daw po sya sa customer care.wait nalang daw sila ng feedback sa office nila ang customer care then ipsate nalang daw po ako...mam if you have time and want to help me...pls msg me on my fb account...hoping waitibg for you to help me mam...Godbless

Anonymous said...

so sad i was also victim :( huhuhu
who among you here are victim from SM Cebu City who are currently in Cebu right now? you may reply to my post and we will go there together :( thanks . walang malakas sa marami guys!

Anonymous said...

Hi naloko din ako masmaganda hand written ung cancellation at mapapayo ko sayo punta ka ng personal at magsama ka nang kmag anak na matapang oh handang mkipag away para tanggapin nila ang letters of cancelletion ksi pag ikaw lang marami pa silang tanong sayo at uulitin nanaman nila yong paliwanag ....at dapat kaw din mismo matapang at panindigan mo na gusto mo na cancelled ang insurance policy mo...

Joeciel Bernal said...

Hello po,,
I was also a victim yesterday, sa SM Fairview. Hindi ko po tlga intention pti ng mama ko mag avail ng insurance kaso, may lumapit po samin sbi may raffle dw, then may form na pinafill out, tpos kng active p dw b yung ATM ko. tpos snmahan kmi sa office nla para dw maclaim yung gift. 45 mins lng dw yung kelngan kc iintroduce dw yung company. ehh di paingbgyan nmin kc saglit lng dw, kso d ko nmalayan mg 3 hours na nndun p rn kmi sa loob, yung mama ko may chumichika dnsa knya pra malibang...in the end, napa avail nlng ako nung LABB PLUS, sa sbrang gling nla mgsalita and due n rin po sa respect sa effort nla mgsalita, 4500 yung binwas sa ATM ko... huhuhu.... pano po ggwin ? sabi NON refundable na po yun.. tpos may video ..PLSSSS help po ,,, gusto ko marefund yung pera ko... PLS.

Angelo Broñola said...

Hi,

Gusto ko lang makatulong kung pano mapa-cancel agad agad yung insurance na na-avail nyo from the said company. I've also experienced this before in MB life Dasmariñas Branch, na-hook ako nung isang bakla na nasa malapit sa entrance, He asked me if I has atm or credit card kasi daw may chance akong manalo ng Motor sa raffle basta may atm or credit card lng ako. and then npasunod na ako. to cut the long story short, I was dragged to their office not knowingly I'll have to spend 45minutes talking with the client. ayun pala mag.ooffer lang. nung una alam kong ayaw ko pero ang galing nila mang.persuade hanggang sa napaswipe na ako sa credit card ko ng 57,400. :(

Pagkauwi ko napagisip isip ko na parang na-scam ako or what, (though ndi naman scam ang MB life, but their marketing strategy is very persuading kaya mapapasunod ka talaga), kinabukasan (Sunday) bumalik agad ako sa MB life para i-pacancel ang transaction dala ko na ung cancellation letter agad agad, ayaw pa nila nung una, may discussion pang nalalaman. WHAT I DID IS the following:

1. Make 3 Copies of CANCELLATION Letter, and have it signed with the branch manager and/or sales manager with their full name.
2. Make a dispute letter to be submitted to your credit card company, (nagpunta ako ng metrobank makati para lang ipacancel at ipasa yung dispute letter, and they said, sila na bahala makipag.coordinate sa MB life for that matter, and 15-30 days daw ang process non)
3. Have them close your credit card and ask for a new one.
4. Go to the main branch of the Insurance company and submit the copy of your cancellation letter (KASI HINDI AGAD PINAPASA YUN NG MGA TAONG NASA BRANCH. GUSTONG PATAGALIN PA PARA HINDI KA NA MAKAPAG-CANCEL NG INSURANCE NILA)
5. After ilang days, bumalik sa branch kung san ka nag.swipe and return all the documents that has given to you, make sure to photocopy all of them for backup purposes. (Much better na ibalik lahat ng documents para wala na silang panghahawakan sayo)


Ayun lang. okay na ulit. na.reverse na yung payment sa Bill statement ko. Sana makatulong ito.

Unknown said...

Pano b kasi nsabi scam dko agad nbsa..I got my policy knina lng gusto ko n cancel..

Unknown said...

Shocking naginvest na din ako last Oct. 18, 2015.. well the way they talk it seems na hindi naman sya scam also since sponsor sila ng miss world and have their super brands .. sayang naman yung initial investment ko kung totoong scam ito.

Anonymous said...

Pwede pa kaya macancel at ma refund kung lumampas na ng 15 days? Salamat po

Anonymous said...

Please pahingi po contact number nyo. Need po tlaga help nyo

Anonymous said...

Pwd po bng makahingi ng number nyo. Para mas madali ko pong malaman mga dapat gawin. Thanks and GOD bless po

Anonymous said...

Ask ko lng po if narefund u po ung binayad nyo. Thanks for the help

Anonymous said...

Please help. Nakakuha po ako ng policy and LABB Plus nila kahapon. Can u give me copy ofyour letter of cancellation? Just to make my letter more convincing. Thank you very much and GOD bless

Anonymous said...

Good day po. Pwd po b mgpatulong regarding s life insurance ko s PPLIC. Pno po b narefund ung boung pera ko. thanks and GOD bless

Anonymous said...

hi good day! Isa ako sa na lure ng company na ito bago palang po. I was starting to worry about this LABB plus kasi 9,000 kaagad ang na swipe sa debit card ko nung "enrollment". I am worried more because sa Davao ko po siya kinuha and Bohol is the head office of my company (may possibility na matagal pa ako makabalik ng Davao). Tanong ko lang po, sa payroll debit card ko po siya nadebit eh, may kukunin pa po ba sila monthly? Kung meron magkano po? Pwede ba silang i contact through web? Please I need help. kentoicalumba@gmail.com 09081565783

Bevs said...

Hi!..nakapag-"enroll" din ako sa LABBPLUS nila worth 4,500. ATM ko yung ginamit ko pero so far wala pa namang nangyaring weird transactions sa account ko. Im giving them the benefit of the doubt kasi baka naman hindi lahat "scammers". Pero medyo natakot din ako after reading all the testimonials so I'm planning to withdraw all the money sa ATM na ginamit ko sa prudential and transfer it to another account. Enough na ba yun na prevention?

Angelica Epe said...

Is a din ako nagapply sa prudential peso builder..nhayon no Lang Alam na scam pala sila.one month na ako joined..please help pano no ipacancel hung account name can.

Angelica Epe said...

Is a din ako nagapply sa prudential peso builder..nhayon no Lang Alam na scam pala sila.one month na ako joined..please help pano no ipacancel hung account name can.

Tania Wa said...

Me too. Can you email me thru taniagohoy90@yahoo.com .. i wanted my money back. I got peso builder as well. Can i have a copy of the documents that you provide sa insurance na ito. Pls po.. thanks. Send it to my email nlng po ha.. thank you much

Anonymous said...

mag ask din ako ilang months na nakalipas pwde pa ba e refund yun?15k kc nakuha sa akin.

Anonymous said...

did you already cancel your plan? im also one of the unlucky person na nakakuha ng policy na yan. i tried to email them but i guess their email address was wrong. i even sent an email to insurance commission but no one response. im worried baka hindi ko marefund yung binayad ko.

Joy Young said...

i sent mail to them but i received notice of failure which means my mail was not delivered. i tried it twice pero wala p rin. i even cc the email address of IC, wala ring response. btw, narefund nb yung sau?

Joy Young said...

i sent mail to them but i received notice of failure which means my mail was not delivered. i tried it twice pero wala p rin. i even cc the email address of IC, wala ring response. btw, narefund nb yung sau?

Anonymous said...

Di na po ba pwede marefund u g labb plus na 9k plano ko na rin po kc icancel membership ko dun...

Anonymous said...

Hindi na pwd e cancel yung labbplus natin kc non transferrable and non refundable daw yan. Pwd na man daw nya tanggapin ang cancellation pero walang assurance na maibalik ang pera natin. Same tayo gusto ko sana e cancel. Pumunta ako sa office NLA d2 sa sm city cebu nakausap ko branch manager. Wala tayong magawa kundi wag na lang I cancel kc masayang ang pera. Isipin mo nalang lesson to learn na wag mong pansinin mga tawo mg offer ng freebies. tumpak meron hidden agenda cla. Manloloko in a way sa pg gamit ng bad marketing strategy para makabinta. Gawin lahat kahit wala na sa policy sinasabi NLA. Hindi mgsabi ng totoo.

By the way isa din ako sa na victim nila sa maling marketing strategy nila.

Beware po mga Cebuanos meron SLA tawo dyan mg offer ng free. Wag nyo pansinin !!

Anonymous said...

This (PPLIC) is different from Pru life of Uk. Pru life is one of the Top Life Insurance Companies in the Philippines and offers variable insurance (insurance and investment i.e mutual funds in one). It is good to do some research first before investing especially because these are hard earned money. Choose credible companies and will not force you to buy. If you like to know more about Pru life, email me at deemayang@gmail.com.

Unknown said...

Oh shit!! After reading all your responses I feel bad for myself.. .I also avail this LABB plus for Php. 9,000.00 yesterday lang. .mababawi kopa kaya un?

Anonymous said...

Same here.. .LABB PLUS din na 9k.. .na refund mo po bah?

Anonymous said...

paano po ba macancel ung membership? ditto po aq sa Carmona, Cavite. Saan po ba ang malapit na office nila dto?

Anonymous said...

Hi guys aku din nasama Sa modus nila anu ba dapat naten gawin para mabawi naten yung PEra advice nman

Anonymous said...

Guys ganito here my cell number 09052339013 ka tatawag Ku lang Sa knila mag tulong tulog tau para makuha naten yan PEra naten lumapit din tau za banco ng bdo na dpat naibalik Sa atin yung PEra naten kc niyabangan paku na khit tumawag pa daw ng abogado so we need Tlga na mag tulong tulong tau Sa ngyari Sa atin

Anonymous said...

Thank you for your blog about this.
Since I have read this, I am already writing my Letter of Cancellation for my Wealth Builder Plus. I hope once I submitted my Cancellation they will processed it asap. Also on July 2016 will be my 2nd payment to them.
I'm really lucky to found this blog, BIG THANKS to the BLOGGER.

Anonymous said...

Pag kaka-apply nyo pa lang at walang pang 15 days yung contract nyo iCANCEL nyo na agad, wala na kayong refund na makukuha after 15 days. Kasi pinacancel ko yung akin (Peso Builder Php 11,193.00 ) pero wala ako nakuhang refund dahil nagexceed ako ng 15 days.

Wag na kayo mag patumpik tumpik pa, iCANCEL nyo na agad !!!!

RTB said...

Hi, how about if the policy exceeds the 15 days? 8910 ung semi annual ko, peso builder ako. Can I still cancel my policy. Please email me at rosemarie_bagalawis@yahoo.com

Thank you so much!

Anonymous said...

Di na daw marerefund yung LABB PLUS ko. Antaray pa nung babaeng makapal ang lipstick.ang bait sa akin nung nilulure ako. tsk. she told me I can't refund it since vinoid na raw yung 15 day free choice. is it really possible? I sent an open letter since di raw pwede yung sa mga blogs. I just want my money back. I am from Cagayan de oro by the way.

Anonymous said...

nbiktima dn ako 2k nkuha skin labb+..how to get my money bak