Without a doubt, my post on the shady practices of Manila Bankers Life Insurance is the most popular post on my blog.
I'm still amazed that the comments keep coming in and how Manila Bankers continues to prey on innocent people who hand over their credit cards in good faith merely for verification purposes, but would later find themselves saddled with an exorbitant insurance premium.
Questions of available remedies for the duped and unwilling life insurance holders appear with scary regularity and the most popular suggestion was to submit cancellation letter with Manila Bankers within the 15/30 day cooling off period. It was also suggested that the Insurance Commission be given a copy of the cancellation letter and/or to submit a separate letter complaint to the Insurance Commission.
As it turns out, the Insurance Commission does listen and act on complaints! I don't know why I'm surprised to hear this though, maybe I've become so used to hearing about government apathy and incompetence that I've forgotten that government is also filled with silent workers that toil without glory or accolade in ensuring that the system runs smoothly while protecting the interests of its citizens. It just so happens that bad news is broadcasted on loudspeaker and is so much sexier to report on, thus, the resulting negative image.
Anyhoo, this article about the show cause order issued to Caritas Health Shield may sound eerily familiar:
The magic number seems to be 117 because generally the Insurance Commission would endorse the complaints received to the Association of Health Maintenance Organizations of the Philippines, Inc. (AHMOPI), as a form of self-policing or cleaning their own ranks. However, the Insurance Commission was impelled to take action after it received 117 similar complaints on the fraudulent swiping and charging of credit and debit cards. Hence the directive for Caritas Health Shield to answer the allegations of fraud and misrepresentation against it,
The complainants claimed they had no intention of purchasing HMO products from Caritas Health Shield, and requested cancellation of their contracts and the return of their premiums that were charged on their credit and debit cards.“In the show cause order issued by the IC, Caritas Health Shield was ordered to cease and desist from engaging in the activity complained of pending the conduct of an investigation,” the IC stated.
For those who have been similarly duped by Manila Bankers, the trick seems to be to work together and submit complaints en masse to make a statement that the Insurance Commission cannot ignore. I don't think that number of complaints has to reach 117 too, but something equally numerous should do the trick.
Nonetheless, it's probably not enough to submit a letter complaint, because the Insurance Commission has a specific format and process for the filing of a formal complaint. So if you really want to put an end to these deceptive practices, better haul your ass over to United Nations and lodge a formal complaint against Manila Bankers.
As always, the best thing to do is to ignore their sales pitch and not to hand over your credit or debit card. But if the damage has already been done, you can still file a cancellation letter within 15/30 days after signing the insurance contract and be sure to CC the Insurance Commission to the letter. However, for maximum results, although it will take some effort on your part, lodge a formal complaint with the Insurance Commission as well.
Good luck everyone!
Update as of July 11, 2018:
Here are Manila Bankers' contact details:
Email: support@mblife.com.ph
Hotlines: +63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Main Office:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
It's best to send Manila Bankers an actual letter cancellation via registered mail or courier with the Insurance Commission copied in to the letter (meaning a copy of the letter is also sent to them). Send the copy for the Insurance Commission at:
IC Manila
1071 United Nations Ave.,
Ermita, Manila
Good luck everyone!
Update as of November 1, 2018: Tips from Bobet of Truly Rich Makers. Thanks for this, sir!
Lahat ng insurance may “free look period” na 30 days. Kapag hindi ka satisfied sa insurance na nakuha mo simply cancel:
1. kung may auto-debit o auto-charge ka na pinirmahan, ipa-cancel mo agad sa bangko o sa credit card para wala nang subsequent payments.
2. gumawa agad ng letter para irequest ang cancellation at request for refund. Siguraduhing mai-kwento ng buo, ang dahilan kaya nag-ca-cancel. Kung palagay ninyo na na-i-scam ng ahente, isulat kung sino ang ahente at lahat ng nakausap na ahente, o manager, o kung-sinuman.
3. tumawag agd sa support line ng Manila Bankers Life, para mag-tanong kung paano mag-cancel at ano ang documents na kailangan asikasuhin.
Hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
4. Ipadala sa email ang letter of cancellation.
Email: support@mblife.com.ph
5. Ilagay na addressee sa letter:
— Underwriting Department
Manila Bankers Life
cc:
The Commissioner
Insurance Commission
6. Ipadala via registered mail o courier/messenger ang inyong letter. Ang courier/messenger service ay mura lang,via LBC o FASTTrack or Xend, etc.
Underwriting Department
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
At
The Commissioner
Insurance Commission Manila
1071 United Nations Ave.,
Ermita, Manila
7. I-follow up ang inyong case, magpunta sa MB Life sa Ayala Ave, o tumawag sa hotline, o mag-email sa support. Kung may ibigay na ticker number o reference number tandaan ito, at banggitin sa sunod na follow up.
Bilisan lang natin ang pagasikaso, kasi makalipas ng 30 days, baka hindi na i-entertain ang inyong complaint. Kapag within 30 days, wala pong maaring gawin ang MB Life kundi icancel ang policy at ibalik ang any payment.
Tandaan po natin na ang MB Life company at MB Life agent ay dalawang separate na entity. Maaring may masabi ang agent na hindi wasto o hindi accurate.
Ang maski anong insurance company ay ayaw na magkaroon ng cancellation, kaya ang mga hindi kanais-nais na practices ng ilang mga ahente ay hindi approved ng life insurance company.
Ang bawat cancellation ay napakaraming paper work na walang katumbas na kita sa insurance company.
Ang mabilis na pag-cancel lang ang magandang paraan para maparusahan ang mga ahenteng hindi maganda ang gawa. Mawawalan sila ng komisyon, mapapagalitan. At kung may sapat na dami ng valid complaints, matatanggal sa kumpanya.
Kung sila ay magpatuloy, ibig sabihin, hindi ipinaglaban ng mga biktima ang kanilang karapatan.
Kaya mag-reklamo po, kung palagay ninyo na-i-scam kayo.
[…] UPDATE: I wrote about what to do after being on the receiving end of Manila Bankers Life Insurance unscrupulous practices. Read the post here. […]
ReplyDeleteIf only people take time to file a formal complaint... We have these "scammers" here in Cebu too. They prowl the malls and prey on elderly people. Fortunately I never personally engaged them.
ReplyDeleteSuper annoying right?
ReplyDeleteI'm also annoyed at the ladies who hang out along Kalaw St. in Manila and pounce on seamen or guys who look like they could be seamen. I think they push personal loans or medical exams for seamen. One time, this lady was really pestering a young guy who was on the phone. She was grabbing his sleeve and was in his face saying "May kausap ka ba talaga ha?". Grrrr..... I so wanted to punch her.
Thank you for writing this info about MB life. I received a call from them today and the bait was exactly as how you described it.
ReplyDeleteYou're welcome! Glad you weren't pulled into their scam.
ReplyDeleteOMG. I used to think I was immune to these typea of come-ons, but I fell for it. I got caught in a moment of weakness.
ReplyDeleteI did a Google search just to check that they were a legit company. And found their website and the address of the branch office I was in. I forgot to add "scam" to the search term. Ugh. I just feel so stupid.
Hi Nats,
ReplyDeleteDon't feel bad. The Manila Bankers people are really trained to push and push their product hard. They probably smelled your moment of weakness and pounced on it.
maam honey frugal sa manulife kapala so competetor nyo si mblife kaya pala
ReplyDeleteHuh? Nagkakamali po kayo. Hindi ako connected sa kahit anong insurance company or kahit anong private company. Sa gobyerno ako nagtatrabaho.
ReplyDeletePlease get your facts straight. Don't spread fake news :)
I'm from Cagayan de Oro and just a few hours ago we received a call on our PLDT landline claiming my mom had won some rewards and freebies. They were supposedly celebrating their anniversary and my mom was picked as one of the lucky winners of a two-year scholarship program for any computer course for any beneficiary, a gift certificate from this certain health and wellness company, a free insurance package and four raffle tickets for a chance to win this dream Asian vacation after she was referred to by someone (The caller wasn't exactly sure who, merely saying it was probably a relative or acquaintance of ours. Wow!). Though I immediately got suspicious, I let this female caller proceed and went along thinking as long as she's not going to ask for some deposit or our bank account details, we'd be alright.
ReplyDeleteAnyway, after I told her it would probably be better if I'd be the one to answer her questions since my mother is over 80 years of age already, she immediately gave me the "good news" that their rewards and freebies were transferable to me, and that as far as that vacation tour prize is concerned, I could even get more raffle entries if I present them a card or something from any preferred bank partner of theirs. At this point of our conversation the audio was a bit inaudible so I wasn't so sure if I heard her right but i just assumed she was talking about credit and debit cards. In any case, she assured me all these were free, sensing my apprehension about the whole deal perhaps, and added that I only need to show up at their office and present two valid ids for verification.
Now, though inside I was confident that they were never ever fooling me, I think i can understand from our conversation how and why anyone would get duped by their shady transactions. Sadly, they really are good at what they do, almost as if they have some hidden hypnotic powers drawing you helplessly in. They could even sound friendly and engaging, though from my experience I got a little annoyed when she started asking all these personal questions. They're really good that even now I still look back at that call and try to assure myself that I didn't fall for them and I never gave away any compromising personal details. At least I'm not stepping into their office anytime soon and that's the real good news.
hello po!im one of the victim ng mb life.na biktima po ako sa sm bacolod.i got my plan po last year.ii from sm mall bacolod city.i filled po a cancellation but hindi tinangap ng manager ng bacolod kasi kasi dw nakikinig lng ako sa mga kaibigan ko for cancellation of the insurance.now po lubog ako sa utang dahil sa mb life.can i ask po if pwde ko pa po ba ipa cancel ito?i dont have work na po.nag resign po ako sa trabaho cause of personal reasons.please po baka mai information po kau.anu po ung pwdeng gawin?you can message me po sa number ko.....thank you po
ReplyDeleteHi Pamela,
ReplyDeletePwede kang sumulat sa MB para ipacancel yung policy, tapos icopy furnish mo ang Insurance Commission.
Pwede ka ring sumulat sa Insurance Commission at ireklamo ang Manila Bankers, at icopy furnish mo ang Manila Bankers.
Tumawag ka rin sa credit card provider mo at ipablock mo ang charges ng Manila Bankers kasi under complaint na yung charges. Malamang papagawin ka din ng email request ng credit card provider mo so iattach mo don yung letter of cancellation/ letter complaint mo.
Tapos kung pumayag ang MB na icancel ang policy o inutusan sila ng Insurance Commission na icancel ang policy, ipareverse mo ang charges sa credit card mo.
Kung hindi pwedeng ireverse ang credit card charges, subukan mong mag request ng loan restructure from your credit card company para hindi masyadong lumobo ang interest and penalties.
Good luck!
Hi Po man..gn in din Po aq nabiktima dn Po aq Ng MB life na yan.pwede Po bang iPa close nlng ung account q kc kbayan saving account Po xa wla nmn Po layman..kso nong time po na un my laman po nakakuha cla ng more than 10k sa pera q.pwede Po bng ipa close q nlng un at mg open nlng aq Ng pano ago Po?pls reply me Po.sa am bcolod dn Po aq nabiktima
ReplyDeleteHi Anarose,
ReplyDeleteMas mabuti ngang i-close mo na lang yung savings account mo na pinagkukunan ng premium payments. Kung wala ng nakukuha sa savings account mo, automatic nang ma-terminate ang insurance policy mo.
Hello, taga bacolod din ako. May i get your contact details? I need your assistance to pursue a complaint. Thanks!
ReplyDeleteHi Kim,
ReplyDeleteI'm sorry but I don't provide formal legal assistance to Manila Bankers victims. Please refer to the past comments for possible remedies if you feel like you have been victimized by Manila Bankers Life Insurance.
I just got a call a while ago, practically with the same offer. But I was upfront in telling the agent that I feel uncomfortable with the offer because first, I don't know how I got referred for the rewards package, second I do not maintain any account with MB Life or with any partner Visa or Mastercard, and third, the offers are too good to be true. And as they say, if it is, then it's not true. To cut the long conversation on the phone, I asked the agent, Eunice Gonzales, to email to me the complete information of the rewards offer. Right after we hung up, I called the President and CEO of Manila Bankers, Mabs Juan, and I clarified with him the legitimacy of this offer. He said it's a marketing strategy done by his people and I shouldn't feel obligated to accept it. I told him I don't feel as such but I needed to verify it with him and with the Insurance Commission.
ReplyDeleteHi Zandro,
ReplyDeleteMaybe you can also ask Mr Juan why their company practice is to make people believe that their credit/debit cards will only be swiped for verification purposes, but then the premium will already be charged na pala. Worse, the mbl agents will insist that there's no way to reverse the charges. It's plain and simple swindling.
Isa din po ang asawa ko nbiktima ng MB insurance khpon s rob galleria at nbsa q nga mga comment n to eto kmi ngayon dali daling pumunta s main office nila s ayala...dla nga po nmin ung abi nyo n cancellation letter hhnpin p po ang building mdli po b mhnap any specific nmn po n pltadaan on how to get der kc 5pm close n office nila gling p po kmi bulacan
ReplyDeleteHello bikitma din po ako netong MBLIFE nung nakraan lang this october 30 ano po pwede kong gawin? paano po i cancel ung account ko sa MBLIFE?
ReplyDeleteHi Alex,
ReplyDeletePwede mo pang ipacancel yan kasi wala pang 30 days nang nabentahan is ng policy.
Gumawa ka ng letter request for cancellation na na naka copy furnish any Insurance Commission. Dalhin mo sa Manila Bankers office o stall kung saan ka nabentahan at ipareceive sa kanila. Siguraduhin mong may received copy ka ng letter cancellation at tanungin mo kung kelan macancel ang insurance at maibabalik ang pera mo.
Para extra protection, ipa block mo din yung charges sa credit card mo.
My friend was a victim of the same scam. May i ask lang po if there's a provision in the insurance commission about the cooling off period of 15/30 days. The company was refusing to accept my friend's cancellation letter because according to the company she was signed up in a plan that is non-refundable. Thank you:)
ReplyDeleteHi Mark,
ReplyDeleteThe cooling off period seems to be an industry practice, but I'm not sure if there's an actual law in place mandating it.
It's best to check the policy itself if it provides for a cooling off period.
Alex, send mo lng ang cancellation letter, p rcvd mo s head ofc. kailangan habulin mo ung 15 days cooling period
ReplyDeleteHi mam JILLSABS
ReplyDeleteNaguyo din po ako ng MBLife na, nakuha ko na po amg primium nila. Then wala pang 1 month tinawagan ko sila. Sabi hnd ko pa daw pwedi icancel, after 1year pa daw. They said after 6 months pa na man daw ako magbibigay ulit. So i just let go. But now, gusto ko na po tlgang ihinto to. Hindi nman po naka automatic sa debit card ko ang susunod na bayad. Pwd ko ho bang hayaan n lng na mag lapse eto? Mag eexprired rin po ba to kapag hnd ko nabayaran?
I was a victim of the same dirty tactic. I just want to cancel the provided policy. (I don't care kung di na mabalik yung nabayad ko pero nag-aalala ako na baka magcharge sila sa debit ko tho I stated/checked na walang automatic charges)
ReplyDeleteI hate myself for falling on this, like for real.
And also, thanks for this thread. I felt better just by talking about this to you guys.
Hi G'mea,
ReplyDeletePwedeng-pwede mong ipa-lapse na lang ang insurance mo kung ayaw mo talaga. Mabuti nga hindi naka automatic charge sa debit card mo yung premium charges so pwede mo siyang ipatigil.
Hindi totoo na obligado kang magbayad ng isang taon. Kung ayaw mo na talaga, wag mo lang bayaran.
Thank you po ng marami. Now makakatulog na ko ng mahimbing sa gabi without worrying about it. KAsi po nakakaloka at nakaka stress na pinagpapasahan lng nila ang calls ko kapag tinatanong sila about cancellation. KArmahin sana sila agad agad! as in now na!
ReplyDeleteThank you po ulit ms. JILLSABS
You're welcome!
ReplyDeleteSiguraduhin mo lang na hindi talaga automatic yung charge ng premium payment sa debit card mo, para wala nang abala.
ok po. Salamat po ulit!^^
ReplyDeleteWalang anuman! :)
ReplyDeleteHi may problema din ako sa MB Life. I tried reaching out thru their customer service pero walang reply until now. I have already tried sending numerous emails to them. Sino kaya pwedeng makatulong sa 'kin.?
ReplyDeleteHi po maam ako din po nascammed ng mb life without knowing their tricks oh my sa robinson galleria..babalik po ako sa main nila sa Makati at ipapacancel ko thru letter....but wondering lang po yung card po kasi nila na ginamit ko is BDO ATM/Debit card lang NOT credit card....possible po ba sila makakuha ng pera sa salary ko? Since I was advised na para makapagdeposit ako punta lang daw ako sa BDO then bigay yung account number ng Life saver sa BDO then mag iemail sa kanila yung reset....possible po ba nilang gawin yung parang sa credit card na kuha lang ng kkuha without my knowledge ATM/debit card lang card ko....the okay po ba na sa Main nila ako punta sa Ayala.....and I thought na since di xa credit card, di sila makakakuha ng pera unless mag over the counter ako via BDO tama po ba? Sa matulungan nyu po ako.God Bless
ReplyDeleteErratum sa first sentence.."Card ko po na ginamit nila is yung ATM/debit lang ng BDO..thanks
ReplyDeletePano pong copy of CC?
ReplyDeleteIf yung letter is thru email or kelan ng copy pag ipapasa sakanila?
ReplyDeleteHi Bhagx,
ReplyDeleteSa pagkakaalam ko, pwede ma-debit ang ATM card basta may napirmahan kang approval.
Pero, kung sinabihan ka na kelangan mo magdeposit sa BDO ng premium payment at magpadala ng kopya ng resibo, malamang hindi naka auto-debit yung ATM card mo.
Para sigurado, tumawag ka sa BDO o pumunta ka sa BDO branch na malapit sa iyo tapos tanungin mo kung may naka-enroll na auto-debit na premium from MB Life. Kung meron, ipa-cancel mo. Kung wala, ok na yon. Wag ka nang magdeposit ng pambayad ng premium. Kusa na lang na magla-lapse yung insurance policy mo because of non-payment.
Kung hindi raw pwede i-cancel, pwede mo ring ipasara ang ATM account mo at mag-apply na lang ng bagong account. Hassle ito, pero baka ito lang ang pinakamaiging gawin para hindi tuloy2x na pumasok ang auto-debit ng MB Life.
Good luck!
Hi Emm,
ReplyDeleteMas mabuti kung gumawa ka ng sulat ng pagkansela ng insurance policy na ipapadala through registered mail at naka copy furnish ang Insurance Commission.
Mas may dating kasi ang registered mail kesa sa email. Kelangan itong pansinin kasi pwedeng gawing ebidensiya sakaling kasuhan mo ang MB Life sa korte.
Hi Kou,
ReplyDeleteYou're welcome! And don't beat yourself up over falling for their dirty tactics, they're trained professionals who are used to manipulating and deceiving people.
Hi Lyca,
ReplyDeleteMas mabuti kung gumawa ka ng sulat ng pagkansela ng insurance policy na ipapadala through registered mail at naka copy furnish ang Insurance Commission.
Mas may dating kasi ang registered mail kesa sa email. Kelangan itong pansinin kasi pwedeng gawing ebidensiya sakaling kasuhan mo ang MB Life sa korte.
Hi Lyca,
ReplyDeletePadalhan mo rin ng kopya ng sulat yung Insurance Commission.
Yun yung ibig sabihin ng: "cc Insurance Commission" na dapat nakasulat sa ibaba ng letter cancellation mo
@Jillsabs..maraming salamat po sa urgent reply ninyo .bukas po pupunta pa din akonsa main nila sa Ayala for complete cancellation if ever......Ask ko lang po about sa posisible auto debit sa Atm debit card ko, makikita po ba ni BDO yung nakalink na autodebit ni MB life at pwede nilang icancel, If ever na may autodebit sa card?..pupunta din ako bdo bukas po kasi..thanks po.
ReplyDeleteHi Bhagx,
ReplyDeleteYup, makikita ng BDO lahat ng mga related sa account mo, pati na ang mga naka-sign up na auto debit.
Kung naka auto debit man ang premium payment ng MB Life insurance, dapat pwede mo yang ipa-cancel kasi account mo yon at ikaw ang may pasya kung paano patatakbuhin ang account mo.
@jillsabbs thabks po talaga sa effort nyo, nag email na ako sa mb life ng cancellation at naka cc yung IC then nagresponse na yung MB Life rereviewhin nila yung case at hihingan ng explanation yung sales agent ko. Grrr..hahah kakagigill....after review iinform daw nila ako.....but tomorrow sesend po ako ng letter mismo sa office makati......thanks talaga..update lang po ako next for any progress..sana macancell to..haixt.God blesss po..
ReplyDeleteHello nacancel ba ung policy mo?
DeletePaano po yung sa case ko, last Nov. 14, nagbayad po about this insurance and 1 year na po siya, ngayon ko lang po nabasa yung mga negative comments.
ReplyDeleteGusto ko na pong ihinto yung paghulog dito, mababawi ko pa po kaya yung naihulog ko?
Hi Mhay,
ReplyDeletePwede mong ihinto ang pagbayad ng insurance premium anytime, mapa-paso lang ito. Kung auto-debit yan sa credit card or ATM card mo, tumawag ka lang sa bangko mo at ipatigil ang autodebit.
Pero hindi mo na makukuha yung binayad mo sa insurance coverage mo for the last year, kasi nagamit na yon (i.e. meron kang insurance protection for the last 12 months).
You're very welcome! Good luck sa iyo!
ReplyDeleteHi ako din nakakuha ng plan mb life last Nov 21 gusto na din ipacancel nbasa ko ksi yung mga comment nyo ang ngamit na card ko ay bdo debit card anu ba yung format ng cancellation help nmn
ReplyDeleteHi Rinia,
ReplyDeleteThere's no specific format for the cancellation letter. As long as you indicate the details (i.e. your name, plan number, when you got it etc.) and what you want to happen (i.e. cancel the policy within the cool-off period), then that should be ok. Also, be sure to copy furnish the Insurance Commission to your letter.
Good luck!
Just an few hours ago nakareceived ako ng call from Manila bankers. Nag tataka talaga ako bat alam nila ang info ko at alam nila ung bank card ko. Sabi ni refer daw ako ng banko ko sa knila kc they celebrate 50 years my ikeclaim na rewards daw ako sa opis nila sa makalti. at kailangan ng government ID at ang CC ko.. Ako namn ngtataka. So ngback track ako sabi ko you said earlier na c BPI ung ngrefer ng sa Manila banker at ung opis nio ay sa BPI head opis tama ba. Then naiba ung beside lang daw sila ng ng BPI head opis. Ang pinagtataka ko lng bat alm nila ung info ko at kailangan pla nila iprocess ung papers pagpunta ko..
ReplyDeleteHello! Kaninang hapon lang ako nacorner ng MB Life. Makukuha ko pa kaya yung nadebit na 16,240 kapag pinacancel ko yung policy? Thank you.
ReplyDelete@JILLSABS.. Maam. Panu po kaya yun ako din po kasi napa member ng di oras sa mb life last june this year, thru may debit card .. pwd ko pa din po kaya ipa.cancel and ipabalik yung pera na nakuba nila sakin? To think na nagbago na po yung isip ko dahil sa mga nababasanko ngayon. And nag.send po sila sakin ng letter ng payment ko for this month of december.. thank you po
ReplyDeleteHi Mae,
ReplyDeleteHindi na maibabalik yung perang naibayad mo sa Manila Bankers Life kasi lagpas na yung cooling off period. Pero kung naka automatic debit sa ATM card mo yung mga premium payment, pwede kang tumawag sa bangko mo at yung mga future charges for premium payment na lang ang ipacancel mo. Or kung hindi naman naka automatic debit yung premium payment, wag mo lang itong bayaran at mapapaso na lang ang insurance policy mo.
Maam possible po bang maibalik ung mga naibayad q na pera? Last yr nkakuha aq ng insurance nang wla sa oras.. gusto q na sna iwithdraw ung policy at mkuha ung mga naibayad q.
ReplyDeleteHi Rubie,
ReplyDeleteHindi mo na makukuha yung binayad mo sa Manila Bankers insurance policy kasi nagkaroon ka ng insurance protection noong panahong active ang insurance policy mo. Tapos na rin ang cooling-off period (15 days or 30 days) kung saan pwede mong itigil ang policy mo.
Parang pagbili lang yan ng fire extinguisher. Binili mo ito para sakaling magkasunog, mapapatay mo ang sunog. Kung hindi nagkasunog, hindi mo rin pwedeng ibalik ang fire extinguisher kasi hindi mo siya nagamit.
Ganon din ang life insurance. Sa panahong active ang policy mo, insured ka ng insurance company sakaling may mangyari sa yo. Kaya kung walang nangyari sa iyo, hindi mo pwedeng hingiin ang naibayad mo.
Pero kung ayaw mo na talagang ipagpatuloy ang policy mo, wag mo na lang itong bayaran at automatic na magkakawalang bisa ito.
Hi Tin,
ReplyDeleteKung pasok pa sa cooling-off period ang cancellation request mo, dapat ibalik ang ibinayad mo at i-cancel ang insurance policy.
hi po nabiktima ako ng mb life nung august po tapos nung cnabi ko after 2 days na icancl ko cnabhan ako na d pwede..pano po kaya un ano po pwedeng gawin
ReplyDeleteHi Lisa,
ReplyDeleteHindi ka na pwedeng magpa-cancel within the cooling-off period kasi 15 or 30 days lang ito sa pagbili mo ng policy. Pero, sinabihan ka kasi na hindi pwedeng icancel kahit 2 araw pa lang ang nakalipas, so subukan mo pa ring sumulat ng cancellation letter tapos ilagay mo doon kung sinong agent ang nagsabi sa iyo nun at kung saang branch. I-copy furnish mo ang Insurance Commission sa letter cancellation mo.
Kung naka automatic debit sa credit card o ATM mo yung premium payment, ipa-cancel mo ito sa banko mo. Tawagan mo lang ang banko mo o pumunta ka dito, atsaka ipacancel mo. Hindi mo mababawi ang naibayad mo na, pero wala ka nang babayaran pang future premium payments.
Hi mam..ako din po naidebit din po sa atm ko ung savings ko dahil sa agent na magaling mambola lalo na kung malamn nila may naisave ka pera dun ko narealize ng ntapos ung transakyon para ako natauhan na wala sa isip ko kumuha nyan insurance dahil ngaaply po ako work at ofw ako ngayun wala ako trabho..at kahit sinabi ko nun tlaga para kang mapapako sa upuan..43 400 po agad agad ...ngrequest ako cancel sabi ng agent di daw pede sa ribinson galleria kaya ingat po sa ngyre sakn minsan mapagsamantala po para mkabenta sila at mgkacommission lalo na lm nila my weakness ka..
ReplyDeleteGood day po mam. Isa po ako sa naisahan nang mb. 39100 po ang nabawas sa credit card ko. Unfortunately ito yung unang trasaction na nangyari sa credit card ko dahil bago po ito. Sabi for verification lang daw nung pina swipe na yung card. Giniit nila na for verification nung nag alinlangan ako. At sabi d daw babawas yun. At kelangan ko din mag antay for approval not knowing na nung na swipe na yung card approved na pala agad agad at nagtataka bat sabi antayin daw resibo. At isa pa na nagtaka ako bat tinatanong nang cashier yung agent na kumausap sa akin kung magkano at sagot nang agent annual. Yun pala mode of payment na yun at di man lang ako tinanong. Umalis ako sa office na malaking tanong ano ang laman nang envelop yun pala policy na. Pagdating sa bahay nabasa ko yung text nang bank na nabawas na yung 39100 sa acct. Ko. Napakasama sa loob kaya gagawin ko yung nararapat. Salamat sa mga information nanabasa ko. Siguro may dahilan sila para gawin to sa kapwa nila pero may dahilan din tayo para sa security natin. Kung sa ganito na paraan ka maka avail nang insurance pano ko maipagkatiwala na panatag ang loob ko na secured yung pera ko sa kanila. Sa ginawa nyo Dios na bahala pero hindi ibig sabihin magpikit mata at pkawalan pera ko sa ganitong paraan. Sa makapagbigay pa po nang more advice maraming salamat dahit need ko po. Widow ako at mag isa na tinataguyod ang mga anak ko naisahan pa.
ReplyDeleteHi Maam,
ReplyDeleteNakapagpurchase po ako sa MB Life Insurance last February 3, 2018 worth 25, 200 nung magbabayad na po ako via debit card naghesitate na po ako, pero sabi nila kailangan ko na po daw bayadan. I asked the agent kung pwede kong irefund nalang. pwede po daw. but bumalik po ako ngayong monday, Feb 5, 2018 sabi po sa wednesday po daw ako bumalik kasi may cut off po daw.
Im worried na maautomatic magcharge sila sa debit account ko.
What should I do? Nagsend na din po ako sa email nila ng Cancellation Letter.
hinna biktima rin kami nang MB life sa bacolod yung boyfriend ko na nag bakasyon dito sa cebu kinausap sya sa loob tapos ang ending daw una may pinapirma sa kanya nang ayaw sya pero sabi sa kanya kahit mag ayaw na sya mag babayad parin sya 13k cash pina swipe sa kanya ang card hindi sila nag tatanong sayo talaga kung ok lang oh hindi parang sila yung nag hahard sell naminilit magagaling mang uto sunday yun nang yari nabawadan ang cc subra 13k hindi kami makakauwi nang cebu dahil sa ginawa nila tapos pina cancel namin oo naiintindihan namin na through the process yun 30days daw ngayun stranded kami dito sa bacolod dayuhan lang bf ko galing cebu naloko pa nila. Pwede ko ba mapa cancel yun sa bangko kasi wla pa naman 24hrs
ReplyDeleteHi Emie,
ReplyDeleteDebit card o ATM card ba yung na-swipe? Kung oo, hindi mo basta2x mapapa-cancel yan sa bangko kasi nailipat na ang pera sa account ng MBLI. Kelangan mo gumawa ng letter of cancellation na naka-address sa MBLI at naka carbon copy ang Insurance Commission.
Mag back read ka sa mga comments dito at hanapin mo yung comment ni Bhagz, napa cancel niya yung policy niya nung sumulat siya.
Hi Jeni,
ReplyDeleteIf you can manage to empty out your debit card, I suggest you do so. This is so that there will be no more MBLI debits done while they're processing your refund. From what I've been reading, MBLI are outright scammers and their word doesn't mean anything. So even if they promise that your card will only be swiped for verification, or your card won't be charged while your refund request is being processed, don't believe them.
Hello Chris,
ReplyDeleteKung ang sinabi sa iyo ay pang verification lang talaga yung pag-swipe ng credit card mo, pwede mong ipa-cancel ang charge sa credit card provider mo. Tawagan mo ang bangko na nag-issue ng credit card at ipaliwanag mo ang panglolokong nangyari. Gagawa ngayon ng investigation ang bangko at mahohold ang charge. Habang nagaganap ito, gumawa ka ng letter cancellation sa MBLI na naka carbon copy ang Insurance Commission. Mag backread ka sa mga comments dito kasi madami nang nag comment kung ano ang ginawa nila para ma cancel ang policy at maibalik ang pera nila.
Hi! Good day po. Ask ko lang po kung pwedeng magpa-cancel pa ng insurance policy kung lampas ng 15/30 days cooling period? Like 1 year na po. Nagbayad ng straight payment through Credit Card din. Mababawi pa po kaya ung premium payments?
ReplyDeleteHi Jackie,
ReplyDeleteHindi na pwede ma-cancel yung policy mo at hindi na rin mababawi ang premium payments. Pero hindi mo naman kelangan magbayad para magtuloy-tuloy ang insurance coverage. Pag tapos na ang isang taon, wag mong bayaran ang premium payments at automatically lang mag lapse ang policy.
Kung naka-automatic debit ang premium payments sa credit card o debit card mo, tumawag ka lang sa banko mo at ipatigil ang automatic debit.
Hi maam JILLSABS,
ReplyDeleteFinally nakuha ko na premium refund ko after months of struggle..nung payday ko napansin ko na may nadagdag..and kinumpute ko at sakto sa naibayad..ko...di ko pa nakonfirm sa bank..but for sure totally cancel na..Thanks maam for azsistance.
Bhagz.
Mam hndi na ba mababawi ung pera na.. Same case kami ni mam jackie, lumagpas na din ako sa cooling period na tinatawag nla. 15k ung total nun kht half lng sana mabawi ko.
ReplyDeleteHi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi,
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi,
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi,
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi,
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Their marketing efforts and techniques are quite impressive indeed..but in the end mga manloloko.deceiver pala..tsk..learned a lot from my experience..ignore na lahat ng agents kahit ano pang produkto nila sa akin now😂 ..bakit nga naman makikiusap sa taong di mo kilala..at kung gusto mo talaga yung pesteng insurance na yan..ikaw mismo pupunta sa office nila...mb life, caritas, coco life etc..pareparehas lang sila dont be fooled.
ReplyDeleteI received the same call today from PLDT landline and got the same offers and freebies daw! I am also from Cagayan de Oro. It is super weird because I never gave my landline number to anyone so I was really careful in answering her questions. I asked her where she got my number, her answer was unclear - something about VISA/Mastercard. So I just said AHHHH! VISA/Mastercard. I wasn't rude. I was listening to her. Haha! That girl was trying really hard though. She sounded super friendly and she even asked me personal questions like husband, BF and all. I was like WTF! Hahaha! Try harder, girl!
ReplyDeleteLet's all be careful na lang!
Hi Ma'am Jillsabs,
ReplyDeleteAsk ko lang po kung pano masusulusyunan yung insurance ng MB life dahil na scammed din po ako 1yr na po sakin then wala na po yung atm ko dahil pinaclosed ko na po siya at wala po akong trabaho! Pano ko po siya macacancel? Pano po kapag hindi ko siya nabayaran ngayong taon ano pong mangyayari? plss help naman po
Hi ma'am. Tanong ko lang po kung anong naging aksyon sa inyo matapos kayo makapagpasa ng cancellation letter? Nabiktima din kasi ako kahapon lang sa galleria ng mb life na yan. For approval at verification lang din ang sabi sa akin at madalian na pinagswipe ng debit card ko. Pag uwi ko nalang saka lang nabasa yung mga binigay nila. At saka ko lang napagtanto na talagang dinaan lang ako sa madaliang transaction. Ano pong nangyari sa pagpapa cancel nyo? Salamat po sa sagot
ReplyDeleteHi Rea,
ReplyDeleteMaganda yung sagot ni Bhagz sa naging experience niya sa pagkansela ng insurance policy niya galing sa MB Life.
Ayon kay Bhagz, gumawa siya ng cancellation letter sa MB Life na naka-copy furnish ang Insurance Commission tapos ay dinala niya ang sulat sa head office ng MB Life sa Makati. Binigay niya ang sulat habang nasa cooling off period pa ang policy niya, o 15 or 30 days matapos siya maloko ng mga MB Life agents sa isang mall.
Matapos tanggapin ang sulat niya, finollow-up ni Bhagz nang madalas ang reimbursement hanggang naideposit na nga ito sa kanyang bank account.
Para mas maliwanagan ka, pakihanap ng comment ni Bhagz sa mga MB Life posts sa blog ko.
Hi Nhodz,
ReplyDeleteKung hindi mo mababayaran ang policy, automatic lang itong mapapawalang-bisa. Mawawalan ka na ng insurance coverage at hindi ka na rin sisingilin ng MB Life.
Hi bhagz nbasa k ung messge m bk pwede m kng matulungan.isa dn ako s biktima ng mb life insurance nung March 21 2018 pinapa cancel k dn nung arw n un ang Insurance n pinapirmahan skin ang sbi ng agent hndi n dw pwede at nka pasok n dw ung pera at nka time deposit n dw ung ng 2yirs.bumalik ako kinabukasan kc gusto kng makuha ung pera k pero wl dn akng magawa hndi k dn npa cancel kc ang sbi skin kng gusto k dw ipa cancel pwede pero wla akng makukuhang pera.pero nbasa k ung messge m at sbi m nga naibalik n ung pera m.gusto k snang malaman kng ano b ung una mong ginawa at kng ano b ung mga ginawa m bago m nabawi ung pera m.hndi k kc alm kng pano ako mag uumpisa eh
ReplyDeleteHi. I’m expecting a premium payout from MB Life this June, for their money growth plan. I just have a wuestion, is it also tedious and tasking to claim from their Ayala office ?
ReplyDeleteHi Eric,
ReplyDeleteFrom the comments re Manila Bankers, I gathered that the main branch in Ayala is efficient in processing valid claims. The problem lies with the agents who mislead and even flat out lie to their victims re the payment scheme/ nature of product purchased/ possibility of cancelling the contract etc. So I would think that your premium payout from the main branch should go without a hitch. Good luck!
Hi Eric,
ReplyDeleteGood Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi Nhodz,
ReplyDeleteGood Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi Jackie,
ReplyDeleteGood Afternoon. We appreciate your valuable feedback as it helps us identify the areas we can improve.
We currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi nabiktina dn po ako g MB LIFE here in Bacolod last year 32k po ung nkuha sa akin same then po ang pg swipe ng credit card sabi ng agent pwede ko daw ma with draw ung money ko after a year totoo po kya un?? Na pwede mong ma with raw ung money mo after a year plsss help
ReplyDeleteSir ako din sir nbiktima ng mb life 3days ago mkukuha k p kya ang pera k kc nkatm ako at sabi daw hnd nmn daw pg d ako mkbayad s aug mglapse daw kc quarterly ako mgbbayad s kanila.kaya papunta plng qko ngayon s mb life prrsonally para icancel k ang premium k npakalaking prob po to s akin kc ngswipe cla s akin ng 11k s bdo atm card k.sana maibalik po nla ang pera k
ReplyDeletehi ma'am ask ko lang if pag nagpa cancel ako makukuha ko ba lahat kahapon lang ako nag apply and d ko alam bakit ako pumayag sa huli.. kasi usually d nmana talaga ko na payag sa mga nang aalok sakin.. iniinsist ko pa nung una na iconsult ko muna sa family ko kaso biglang napa ok na ko
ReplyDeleteHi Allaine,
ReplyDeleteOo, pag pasok pa sa 15/30 day cooling off period ang cancellation request mo, automatic ang pag approve nyan.
May post na ako kung paano ang proseso ng cancellation so pakihanap at pakibasa na lang.
Good luck!
ALLAINE
ReplyDeleteAko din kahapon lang nkuhaan nila ako ng 13,240k pumunta ako sa branch nila kung saan na transact ung ginawa nila ang sbe sakin wla daw refund un..pupunta ako sa main office nila sa monday bka gusto mo sumabay
Ate nka pag file na ba kau ng Cancellation nyo sa mb life??
ReplyDeleteHi JEL,
ReplyDeleteGood day!
Ask ko lang natuloy ka magpa cancel ng life saver mo? Same as here 13,240 do you get your money back? Thanks!
[…] (Other posts on Manila Bankers Life Insurance can be found here and here.) […]
ReplyDeleteHi. Meron sa mall nyan kanina sa may lucky chinatown. Pero mali mali binigay ko na info sa finill upan ko. Pinacheck nya id and atm card ko at kinukuha receipt ng balance sa account. Akala nila tanga mga tao. Buti namumukhaan ko yung Rhyan daw name nya. Ipapablotter ko mamaya. Nakita nya harapan ng ATM ko, may chance ba na mabawasan nila yung account ko?
ReplyDeleteI just signed up TODAY, what the "F" Naloko pa ako, nag-iingat ako. Pero di ko akalain na isa na akong biktima. Need help lang po. Pwede po bang di na ako magsend ng cancellations letter sa mb life insurance, pagtinigilan ko yung pagbayad sa kanila, para materminate agad ang sabi kasi sa akin every year daw po ako magbabayad ng 1,680 sa branch nila, meron po kasi dito sa my Cityplace Square, Binondo Manila. 1,680 ang nakaltas nila sa Debit Card ko. Ano po ang dapat kung gawin sa Debit Card ko, worry po kasi ako baka nalaman nila yung pin at makuha lahat ng pera ko. Salamat po.
ReplyDeleteHi
ReplyDeleteWe appreciate your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi,
ReplyDeleteWe appreciate all your valuable feedback as it helps us identify the areas we can improve.
We are currently upgraded our customer service to address your concern.
We wish to address and reply to your concerns please email us at:
support@mblife.com.ph
You may also follow up through our hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
Or visit our main office here is our address:
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
Thank you and have a great day!
MB Life Insurance Corp.
Hi Albert,
ReplyDeleteI-confirm mo muna sa bangko mo kung may automatic debit na naka-enroll sa debit card mo. Kung meron, ipa-cancel mo yon. Kung hindi pwede, pwede mo ring ipasarado na lang ang debit card mo at kumuha ng bago.
Kung hindi ka magbabayad ng premium mo, automatically cancelled na yung insurance policy.
mam jill yong sakin pag d po nakabayad yon pong perang nakuha nila sa amin maibabalik po ba?
ReplyDeleteHi Ms Bhagz good morning. nabiktima po din aq kahapon ng MB Life s SM Dasmariñas, pwd po b magpatulong s inyo qng panu nyo po nagawa mapacancel at mareimburse ung perang nakuha nila? pls reply ka ms bhangz thank you.
ReplyDeleteHello po ma'am,
ReplyDeleteKagabi po nabiktima din ako ng MBLife. Usually po talaga, tinatanggihan ko yung mga offers na katulad ng binigay sa akin. Pero ewan ko po ba kung paano at bakit ako napapapayag. Pagkauwi ko po ng bahay, I realized na I don't want the insurance that was given to me so I researched how to cancel kasi sabi nung nag assist sa akin na bawal na daw icancel, then yun po, thankfully I came across your post.
And yun nga po, after reading your post and backreading the comments, agad agad po akong nag send ng email sa MBLife and nag cc din po ako Insurance Commission. Balak ko rin po magsend ng registered mail sa insurance copy at icopy na rin ang IC bukas.
Ngayon po, tinawagan ko din ang bank ko if pwede macancel yung Auto Debit sa account ko. Then ang sinabi po sa akin may 2 options ako. Yung first is idiscuss ko daw muna sa Insurance yung cancellation and then second po, ipablock ko na lng daw yung card ko and then request for a replacement.
And then yun, pinili ko yung second option and pinablock ko yung account ko just to be sure. But tanong ko lng, if ever ma approve yung cancellation ko, pwede pa rin po ba irefund sa akin yung pera kahit iba na yung bank account ko? Thanks.
Good Day!
ReplyDeleteWe appreciate all your valuable feedback as it helps us identify the areas we can improve.
For the record, Manila Bankers Life Insurance Corporation is a 51 year old life insurance company duly licensed by the Insurance Commission with a capitalization of Php550 million pesos.
The SMS messages or telephone calls you received regarding free rewards and privileges are made through our telemarketers. Telemarketing is a legitimate method of promoting and selling products, including life insurance policies
The rewards offered by our telemarketers are in fact ready and available should the recipient of the SMS message or telephone call decides to get them from our telemarketers. You are not under any obligation to purchase any life insurance product. In fact, before any insurance product is offered to you, you will be invited to attend a product orientation to apprise you of the type of insurance product that would address your needs. In case you decide to purchase a life insurance product, you will be required to sign several documents indicating that you have been fully informed of the features of the life insurance product you want to purchase, the insurance premium you need to pay and the benefits you or your beneficiaries will receive. It is only after you have made an educated choice on the life insurance product you want to buy that you will be required to pay through your debit or credit card.
Manila Bankers Life Insurance Corporation is a legitimate insurance company. It is not a scam.
Any person who claims that Manila Bankers Life Insurance Corporation is a scam should have the necessary evidence to back up such statement. Otherwise, we shall take all necessary steps available to us under the law to protect our company's good name.
Thank you.
Manila bankers life insurance , a legit scam!
ReplyDeleteJust like the others...Me too..I almost fell with mb life tactics haha! ryan is Also the name of the recruiter he told me to help him by accepting his offer to reach his quota... damn! I was so stupid..lols! he got me! well i juz wanna help him so i did ...
So he brought me to their designated office at the mall checked my id and card balance and attended by a lady then,
I let her to discuss their product and services since they told me that they would just wannA let me know about mb life ins. So i Cud share it with my friends.. At first, asked some personal info but it was funny that while discussing their services the next lines was about if i ever had a bf or how beautiful my eyebrows was and so on. ... hahaha! It was fun to realize that was the way on how she wanted me by making some praises
on my looks asking personal info in the middle of discussion of their services offered ...
That 'promised' 45 minutes became almost 1hour so i told her i had to go...suddenly, The next thing i knew i was filling up my form and when i almost done, another one came... Well ..unfortunately Filling up form is not my 'forte' it makes me get annoy easily.. so thats the time i refused to continue and told her i did not want it anymore hehe
I almost hipnotized but thanks to their numerous forms i got out of it!
the lady kept yelling and saying 'inexplained ko sayo before blah blah!.. But sorry i wasted my time so much .
.
Funny d daw sapilitan pero bawal nko tumanggi kasi naka filled up nko sa form with number on it . So???haha..
at that time my friend called me so ihad a chance to leave .. Hehe
Thank God i managed to get out of that place...
Never na never na tlga mauulit huhu
pag po ba di naman naswipe ung atm mo, tinignan lang card mo, tapos phinotocopy ang company id mo? ang masign ko lang hanggang personal info yung may plans and goals, pero di ako tumuloy sa step na for approval sa bank, umayaw na kasi ko kahit anong pilit nla, is there a chance makakuha sila sa kabayan acct. ko?
ReplyDeleteHi Lanie,
ReplyDeleteNope, dapat walang mababawas sa ATM card mo
Gandang gabe!! Tanong lang po panu po pala ma ka cansel ung sa mb life?
ReplyDelete. Ka c kanina naka pag fill up aq.. mabuti nlg 1680 lg ag na kuha sa akin? .. kng hindi mababayaran sa susunod na taon.. maaari ka bang ma kulong?
Tanong ko lang po panu ma icacancel ung pg apply sa mblife? At kng panu kng hndi ka maka pg bayad sa susunod na taon pwedi po ba kau makasuhan nyan?
ReplyDeleteMs. Jillsabs, pwede nyo po ba ako ma tulungan kong ano ang dapat kong gawin para ma ei cancel ko yung inapplayan ko sa mb life saver. Ka c kanina talaga na dali ako .. 😔😔😔 wat if hindi po ako mka bayad ng susunod na taon.. pwedi po ba akong makulong? .. sana masagot nyo ang aking katanungan at matulungan nyo po ako.
ReplyDeleteHi ms. Jillsabs. Pwedi po ba ako humingi ng payo lng pno ei cancel ang mb life na yan.. 1680 ung binayad q po.. pnu ma ei rerefund po yan..
ReplyDeleteHi pwedi po ba humingi ng tulong kng panu ma ei cancel ang sa mb life? . Ano ag tamng gawin?
ReplyDeleteMs.jillsabs
ReplyDeleteTanong ko lng po.. ano po ba pwedeng gawing para ma cansela ung mga na applyan q sa mb.life? .. hindi ka ba makukulong pg d ka nka bayad? ..
Hi may same tau ng problema... ano update sayo??
ReplyDeletengaun ko lng nabasa ang mga to. i'm on my 3rd yr sa insurance policy nila. Ms. Jillsabs, pwede pa ba mabawi ung binayad ko?
ReplyDeleteHi Glenzki,
ReplyDeleteHindi mo na mababawi yung binayad mo kasi within 15 days from signing lang yung cooling off period na pwede mo pang ipacancel ang policy at maibabalik ang bayad.
Atsaka, insured ka rin for the past 3 years so hindi nasayang ang binayad mo.
Pero kung gusto mo talagang itigil na ang policy mo at ayaw mo nang ma-insure, wag mo lang bayaran ang mga susunod na premium at automatic lang na mag lapse o ma-cancel ang policy mo.
Paano ma-refund kung today lang nabawasan. Good thing nagtry lang ako ng 3k plan nila for 1 year. Ang dami dami nilang pinapapirma muna na walang sulat. Alam ko naman na scam-like ang paraan nila pero pang-pronta nila si Boy Abunda. Hindi naman daw itataya ang credibility. Tska natatakot ako kasi too good to be true talaga sa halagang 3k covered na daw ng 2 million pesos. Sila na daw ang tumutulong. Sa isip isip ko hinihiram nyo yung pera at kayo ang kumita na nauna at pwede nyo pa mapalago dahil sa dami ng nakukhanan nyo. So paano ko kaya ipapa-reverse sa BDO debit card ko?
ReplyDeleteHi Jon,
ReplyDeletePlease read the post. Nakasulat diyan yung proseso kung paano ipapakansel ang insurance policy.
Lahat ng insurance may "free look period" na 30 days.
ReplyDeleteKapag hindi ka satisfied sa insurance na nakuha mo simply cancel:
1. kung may auto-debit o auto-charge ka na pinirmahan, ipa-cancel mo agad sa bangko o sa credit card para wala nang subsequent payments.
2. gumawa agad ng letter para irequest ang cancellation at request for refund. Siguraduhing mai-kwento ng buo, ang dahilan kaya nag-ca-cancel. Kung palagay ninyo na na-i-scam ng ahente, isulat kung sino ang ahente at lahat ng nakausap na ahente, o manager, o kung-sinuman.
3. tumawag agd sa support line ng Manila Bankers Life, para mag-tanong kung paano mag-cancel at ano ang documents na kailangan asikasuhin.
Hotlines:
+63998-9641223
+63917-5424079
+632810-1051 Loc. 205
4. Ipadala sa email ang letter of cancellation.
Email: support@mblife.com.ph
5. Ilagay na addressee sa letter:
-- Underwriting Deparment
Manila Bankers Life
cc:
The Commissioner
Insurance Commission
6. Ipadala via registered mail o courier/messenger ang inyong letter.
Ang courier/messenger service ay mura lang,via LBC o FASTTrack or Xend, etc.
Underwriting Department
MB Life Insurance Corp.
3rd Floor, VGP Center, 6772 Ayala Ave,
Legazpi Village, Makati City,
Philippines 1223.
At
The Commissioner
Insurance Commission Manila
1071 United Nations Ave.,
Ermita, Manila
7. Ifollow up ang inyong case, magpunta sa MB Life sa Ayala Ave, o tumawag sa hotline, o mag-email sa support. Kung may ibigay na ticker number o reference number tandaan ito, at banggitin sa sunod na follow up.
Biliisan lang natin ang pagasikaso, kasi makalipas ng 30 days, baka hindi na i-entertain ang inyong complaint. Kapag within 30 days, wala pong maaring gawin ang MB Life kundi icancel ang policy at ibalik ang any payment.
Tandaan po natin na ang MB Life company at MB Life agent ay dalawang separate na entity. Maaring may masabi ang agent na hindi wasto o hindi accurate.
Ang maski anong insurance company ay ayaw na magkaroon ng cancellation, kaya ang mga hindi kanais-nais na practices ng ilang mga ahente ay hindi approved ng life insurance company.
Ang bawat cancellation ay napakaraming paper work na walang katumbas na kita sa insurance company.
Ang mabilis na pag-cancel lang ang magandang paraan para maparusahan ang mga ahenteng hindi maganda ang gawa. Mawawalan sila ng komisyon, mapapagalitan. At kung may sapat na dami ng valid complaints, matatanggal sa kumpanya.
Kung sila ay magpatuloy, ibig sabihin, hindi ipinaglaban ng mga biktima ang kanilang karapatan.
Kaya mag-reklamo po, kung palagay ninyo na-i-scam kayo.
Hi po, pwede po b patulong lng po panu maipacancel ung insurance policy. Anu po b ang first step n dapat gawin. Kc nung tumawag ako sa customer service ng mb life submit ng letter but for evaluation pa daw. Ung sa inyo po ba anu nyo cnimulan. Thank u.
ReplyDeleteHi po. Ask k lng po sana yung mga health shield plan po b ay hindi pwedeng maikansel pag within the 15 days cooling off pa. Tnx.
ReplyDeleteHi po Ms. Jillsabs, ask k lng po sana kapag health insurance plan po b hindi pwedeng maikansel pg within cooling off period pa.
ReplyDeleteHi Rikki,
ReplyDeleteYes, pasok din sa automatic termination within the cooling period ang health insurance plans.
Hi po ms. Jillsabs, anu po b ung policy fee? According sa mblife if ever irefund daw may ibabawas daw silang policy fee. Bkit po may gnun? Thanks po.
ReplyDeleteHi Rikki,
ReplyDeleteUsually yung policy fee ay minimal fee para sa pag process ng insurance application. Pwede ring pangbayad sa commission ng ahenteng nakabenta ng policy. I-confirm mo kung ano ang sakop ng policy fee
Ok po. Thank u ms. Jillsabs.
ReplyDeleteHello o ate. Nakuhanan din po ako kagabi lang, nov. 21,2018. 6000 po yung nswipe. Pero wala pa po akong naibigay sa kanila na valid id. Dpat daw pong maisend ko agd. Kelangan ko po bang isend sa knila yun, para po may patunay na may documents ako sa knila para makacancel ko yung application ko?
ReplyDeleteHello po, kagbi nascam din po ako, nov. 21,2018
ReplyDelete6k po yung naswipe nila sa debit crd ko. To follow pa po yung valid id ko kse wla akong naibigay sa knila, if mag sesend po ako via email ng cancellation eh maapprobahan po kaya,? Kase wala pa nga po akong documents sa kanila. For process palang pag nagbigay ako ng id. Help me po please.
Pahelp din po, ako po ay nascam kgabi. Nov. 21,2018, 6k po nakuha sakin. Di papo ako nakakapagpasa ng valid id. Pede ko pa po ba yun bawiin,? Sa may sm dasma po ako nascam. Sana po may sumagot. Thanks
ReplyDeleteHello po, kagbi nascam din po ako, nov. 21,2018
ReplyDelete6k po yung naswipe nila sa debit crd ko. To follow pa po yung valid id ko kse wla akong naibigay sa knila, if mag sesend po ako via email ng cancellation eh maapprobahan po kaya,? Kase wala pa nga po akong documents sa kanila. For process palang pag nagbigay ako ng id. Help me po please.
Hello po, nakuhanan po ako ng 6k, nov. 21, 2018. Habang andun po ako sa office nila sa Sm dasma, wala po kase akong dalang valid id.sabi nya isend ko na lang daw po sa fb pag uwi ko, 2 po kami ng katrabaho ko ang nakuhanan ng 6k. Then nakita ko nga po ito, pumunta po ako kaninang tanghali para po maipacancel at makuha ang pera ko, kaso sabi nila di na daw po yun makukuha, 3 years pa daw po bago mawithdraw, tsaka daw po kelangan lang daw po ang valid id para makita if tama ang information sa documents, kase nakahanda na daw po ang documents namin. Di na po ba talaga pedeng icancel dun palang po sa office nila? Kase nga po wala pa naman kaming nabibigay na valid id? Or kelangan po ba na magbigay kami ng id para mabigyan kami ng documents then bago kami magbigay ng letter of cancellation sa main office nila? Please help us please. Sana po may sumagot.
ReplyDeleteHi Ivy,
ReplyDeleteGumawa ka na kaagad ng letter cancellation na naka copy furnish ang Insurance Commission. Basahin mo yung instructions and tips sa mga blog post dito Kung paano macancel at mabawi ang pera mo.
Hello po!! Ano po ba ang email address ng IC para po maipadala ko rin po via email ang cancellation letter ko sa kanila. Thank you po!!
ReplyDeleteNaencounter ko rin po ung agent ng MN life Insurance..and they offer some gifts, etc..they asked an atm and receipts to my recent transactions so I handed over my atm and the receipt. My chance po ba na makuha nila ung laman na atm(debit) ko kasi nakita nila ung harapan na atm.?
ReplyDeleteHi, nabiktima rin po ako kagabi lang sa SM Sta Rosa. Parehas na parehas po ng mga nangyari dito yung nangyari sakin. Hindi ko alam kung bakit ako napaoo at napapirma nila. Ngayon po ay balak kong pumunta at bumalik sa office branch nila dito sa sta rosa para magcancel ng insurance. Tanong ko lang po, ano po bang mas better ang pumunta sa branch office nila directly or mag email sa MBLife cc IC? THANK YOU PO!
ReplyDeleteHi Ghi, same with me. SM sta rosa din. Anong update nung sayo? Nacancel and narefund ba?
DeleteHi Ghi, same with me. SM sta rosa din. Anong update nung sayo? Nacancel and narefund ba?
DeleteSame tayo ako din sa SM sta rosa 2days ago. Anong update nung sayo? Nabawi mo ba money?
DeleteHI Gie,
ReplyDeleteEither is ok, ang importante is naka-CC yung Insurance Commission sa letter cancellation.
Same tayo ng experience khpon my gnyan dn s sm lucena namn. Anu nabawasan kba ng pera s atm mo?
ReplyDeleteHi good day!
ReplyDeleteGanyan din nangyari sakin sa AliMall Cubao, sabi sakin wala daw sila iooffer, ippromote lang daw kung ano at sino yung Manila Bankers, tapos papasagutan ng client survey, then next thing i knew is pinapafill up na ako ng policy at pinapapirma na ako ng kung ano ano at tuloy tuloy akong pinaswipe ng credit card ko worth 21k annual payment daw yun.
Question,
Paano ko po mapapacancel yung policy ko, need ko po ba magpunta main office? Pinagawa na po ako ng cancellation letter ng ahente pero di ko po sure kung ipapasa nya. since sabi nya 40 days daw po bago maconfirm ang cancellation. ilang days po ba need para macancel? and ano po documents dadalhin pag nagpunta sa main office. malayo po kasi makati samin. salamat po
hello po..ako din po kahapon lang sept.26, 2019 naglabas ako ng pera..malaki kaya masakit sa dibdib.. nag email ako agad sa support system nila at ngayun magsesend ng snail mail sa mb at ic. we can help each other
Deletehello. nung una nmn natakot din tlga ako kasi malaking pera din nilabas ko pero nung time nmn na ngreseach ako hindi lng puro negatibve ang binasa ko pati positive naghanap din ako nakita ko nmn may nga positive pa din kasi sadyang pinagpray ko pa talaga ang kinuha kong plan sa knila. sinasabi kasi ng madami na mali ang strategy nila sa pagkuha ng client pero sakin ok lng nmn yun kasi kung para sakin nmn din at future ko nagsearch ako at nagtanong mismo sa img kung ano tlga ang mblife may mga friend ako sa abroad n member ng img mblife ang sabi nila sakin maganda na meron ako neto kasi madami ng natulungan tlga ang insurance na to
Deleteplan ko rin kumuha most 18 ng mb life. kaso puro negative nababasa ko.. knino po ba may mali mismong company ba o ung mga agent na nag ooffer?
Deletehi good day, parang na budol ako kahapon. pareho ng tactics ang ginagawa nila walang option kung gustgo mong magpatuloy o hindi ang sabi nila kailangan mo lang i promote ang company nila and then nakita ko na lang na pinapasok na ko and tuloy tuloy na interview and pinasagot ako sa form na habang binabasa mo kinakausap ka nila at parang akoy nawala sa pag kakaintindi sa binabasa ko. to make story short nabiktima ako nakapag bawas na sila sa atm ko. and pag labas ko feeling ko nabudol ako.
ReplyDeletepwede po ba i pa cancel yun? or ma rrefund pa ba pera ko?
Pwede mo pa ipa cancel at marefund yon binayad mo gawa ka lng ng letter thru email at customercare@manilabankerslife.com.ph
ReplyDeleteSir pwedi po ba makipag tulongan sainyo Hindi ko Rin po alam gawin ko Pano mag cancel..salamt
DeleteHi po need help kanina lan po nakapag-sign po ako at pumayag na mag avail ng insurance nila pero pag-uwi ko sa bahay d ko mawari parang bigla na lang ako nag-search ng reviews at napag-isip ko na ipapa-cancel na lang ito. Madami po ako anak at naisip ko na kung itutuloy ko pa ito ay baka mabaon ako sa utang sa bangko. Wala naman po ba ako babayaran pag pinacancel ko agad ito? Help po.
ReplyDeleteHello here pa help Naman po sainyo Pano po gumawa Ng cancellation letter kanina Lang po ako na victim ang laki po nawala SA savings ko at ayaw ko na Siya ituloy Sana may mag reply
ReplyDeleteHello po magtulongan po Tayo contact mo po ako pls asap 0907771823
ReplyDelete