Philippine Prudential Life Scammers!!!: Explained

Finally, PPLIC has responded to us. Apparently, the new leadership is more forthcoming with answering us than the old leadership who has chosen to be silent. I believe it is only fair that we give them the chance to explain and to allay fears of those who have already purchased their plans. I have met with them to air the original grievance, which is the deceptive marketing strategy employed in the malls. As it turns out, I have learned two important things:

1. That PPLIC is a legitimate insurance company, complete with licenses and legalities in place.
2. That because they are a legitimate company, their insurance policies are backed up with the necessary funds and that they do have some satisfied customers.

I have published part of their letter below.

Two years ago, when you wrote your post about Philippine Prudential Life Insurance Company, Inc. (PPLIC), you probably did not realize that PPLIC agents are not employees of our Company; they are independent contractors. This does not excuse unfair sales practices, however, and so as a result of your blog post, we began to regulate the agents more closely. We now have customer service staff (full time employees of our Company) stationed at all of our retail sales offices. Their job is to interview every customer before they purchase insurance to ensure that the sales presentation was fair to them and that they are not asked to do anything against their will.

Given that life insurance is not something that most people think about when visiting a shopping mall, we do approach potential customers and ask them if they would like to be entered into a raffle draw to win a car or other big-ticket prizes (e.g., cash and trips abroad). By simply attending the presentation, they are entered in the raffle. No purchase is required. Interestingly, many of our actual raffle winners did not purchase insurance from PPLIC. While most of the winners do not wish to be identified or publicized (for personal safety/security reasons), we do have a couple of individuals who are willing to speak to you about their experience, should you wish.

Another major customer service innovation that sets PPLIC apart is that, while most life insurance companies only offer a three-to-five day “free look period,” as sanctioned by the Insurance Commission of the Philippines, PPLIC offers a 15-day free look period, during which time a customer may cancel his/her policy and request a full refund. As such, we ensure that our customers are fully satisfied.

Also, and unfortunately for us, there are a number of companies that have similar names to ours, including Prudential Life Plans and PruLife UK . These companies have no affiliation with ours. Philippine Prudential Life Insurance Company, Inc. has never had its license revoked, and does not market and sell pre-need plans. We would thus appreciate your deletion of the links to such stories on the other companies from your post.

Regarding the “XXX” telecast late last year, the customer initially asked for her money to be returned immediately. However, credit card reversals have to go through the customer’s banking institution, and this takes time. Dissatisfied with waiting, she next went directly to the Insurance Commission and the media. We processed her refund as soon as we could, and regret that the financial institutions do not process this much faster. Under the current system, it generally takes four to six weeks to process a refund after a cancellation.

Should you have any other concerns or need additional information, please feel free to contact us. Current clients may reach us via our Customer Hotline at (02) 902-2300 or visit any of our offices nationwide where a Customer Service Representative can readily assist them.

Thank you again and best regards.


Assistant Vice President and Head
Corporate Communication and Planning Office

I am hoping that the thousands of comments in this post will now call PPLIC directly for their concerns and that they will be properly answered and refunded, if need be. Like I mentioned in the original post, I will continue to

UPDATE: Finally the media has seen this post and have investigated the matter. The TV show XXX by ABS-CBN has raised awareness about the deceptive marketing insurance fraud. See whole episode as pasted in Carlo Ople’s blog.

Just now I received a nasty call from the number 0920-9705881, a post-paid number no less. Some lady named Carla said my name was selected from an SM raffle because I won a brand new Honda City. Luckily for me, I wasn’t at all swayed by all her babble about winning, winning, winning!!! Firstly, I NEVER shop at SM Megamall because it’s far from my residence. There’s a Super 8 Club next door and I have no need to travel when doing groceries.

Then Carla says the call is recorded along with all the spiels that the call is legitimate. Even gave me her office number, complete with extension (755-1562 local 4018). I was asked what sort of IDs I have and when I said I have SSS and a passport, she goes on to say that it’s not the ID they need. She says I NEED A CHECKING ACCOUNT OR A CREDIT CARD as their ID of choice. TALAGA LANG HA?

When I said that only my wife has a checking account, all of a sudden, SYA NA DAW YUNG REPRESENTATIVE! All I need to do daw is call them back and they will make me come to their office to spin some dastardly wheel, claim a premium gift and bring home the blasted car. People who know me are well aware that I WILL NEVER BUY A HONDA because you can’t use it as a taxi cab and my loyalty to NISSAN and MITSUBISHI is way past my financial capabilities.

These people at Philippine Prudential have learned atrocities of these independent sales agents. It destroys their business and dupes hapless consumers into putting their life savings into products beyond their budget simply because they are out to make a quick buck. Shame on them! should be sued or something. They dupe people into thinking they won something only to make them waste their time and sit through a presentation then force-sell their products to people who really can’t afford it. Hey, there has got to be a better, effective and legitimate way to sell insurance! They’re behaving like Family First and all those other scammers who cheat us out of our life savings.

And I told Karla that if she wanted to sell me insurance, she should have just told me flat out. I might consider buying but I will never go through an unscrupulous agent.  I WILL NEVER BUY FROM PHILIPPINE PRUDENTIAL LIFE.

If Philippine Prudential DOES make someone win just to prove it’s not a scam, think again. There’s a multitude of people out there that you’ve already duped. If you need to prove something, return THEIR money AND CHANGE YOUR MARKETING STRATEGIES! It’s insulting! Your methods only show what you really think of your clients.   It’s OK to be forthcoming when selling insurance, your new set of agents must realize that.


  1. cheftonio says:

    tsktsktsk.. mga manloloko!

    • Xyz says:

      Anybody who asks for you credit card as a valid form of ID is up to no good. Please don’t be victimized. There is no free lunch. Sa mga taong namimigay ng kung anu-ano na libre kuno sa mall o kung san pa man, stay away from them. Sana kung ganun lang kadali makakuha ng car and ganung mga bagay..wala ng mahirap! Also never sign a contract without reviewing it. If you must, take the contract with you at home and tell the other party that you will respond within 24 hours. Anybody who pressures you to decide now is also up to no good. The key to avoiding them is ignoring them at first site. They are very well-versed at duping people. They will suck you in until you sign something at ma-pain ka. One time, somebody called me and said: Ma’m how would you like to win a brand new Ford Expedition? Imbis na entertainin ko siya, dahil alam ko namang sa hirap ng buhay wala namang lokong mamimigay ng car na ganun na lang at di niya mababawi ang cost nun, I said to him: “Oh don’t even bother calling because I already have two Ford expeditions” hahaha Di na tumawag uli!

      • Marie says:

        hello po, im from singapore but i want to cancel po ung napurchase ko from PPLIC last Aug 1, you have any idea po pano ko macancel?kc andito po ako sa Singapore.
        Thanks po.. God bless.

  2. Mr. Ward says:

    I hate those company, telling you that you won after you buy their product. Then in the end you will need to raffle or spin a big wheel for your prize. SHAME on them.

  3. yan2z says:

    hello po i was one of those people na naloko nila sa mall…i didnt really have any idea bout it for i dont live in manila i was just there to visit my relatives..they took about 9 thousand from my atm!sabi nila e tra try lang daw pero immediately nakakuha agad sila ng 9thousand saakin..pero pincancel ko na yung policy plan na e navail ko then ang sabi nila e rerefund daw nila yung pera ko after 30-45days bank to bank..ang saakin lang baka di na nila isauli yun then baka di nila e honor yung cancellation ko at patuloy pa rin kunan yung pera ko sa atm,.,,im just worried bout this,what shud i do?

  4. GP says:

    Hello, Sa akin din nag paka tanga ako. kinuha nila yung 16800 sa credit card ko sabi nila e try nila kung pwede so pwede syah nag ok ako.. after two days nag change mind ako sabi nila e ho hold nila ang money upto 5 years. kun gusto mo e continue. sabi nila hindi na daw mabalik yung credit ko sa credit card ko kasi naka bank to bank daw.. what should i do?

  5. polpo says:

    GP, sulatan mo sila ng letter of cancellation with a request not to charge your credit card account. Tapos araw-araw kang mag-follow up.

  6. polpo says:


    dapat ifollow up mo yung cancellation document na ipapadala nila sa credit card company mo para sureball. inotify mo rin yung credit card company mo na di ka namagbabayad ng premium.

  7. polpo says:

    Ang gawain ng PPL ay labag sa mga karapatan ng mga consumer. Ginagamit nila laban sa consumer ang pagiging likas na magalang at mabait ng mga Pilipino. Sa kaalaman ng lahat, maaring magreklamo sa piskalya (sa paglabag ng consumer law); sa DTI, SEC o Insurance Commission. Marami na ang nabiktima ng DANVIL/Berkeley. Hindi kataka-taka na mag-ala-Danvil sales ang PPL dahil ang isa sa mga VP ng PPL ay taga-Danvil dati. talagang matindi ang PPL. kailangang ma-Imbestigador ang mga ito para matigil na ang kanilang gawain.

  8. grace says:

    was a victim of this scam too.its not only prudential life doing this but also Phil-Am life…when you get back to them to ask them to return your money, para silang hari o kung sinong napakatapang na ichallenge ka to go to court and they have all the documents daw na under sa policy or terms and condition na pinermahan mo ay ngagree ka sa lahat pero hindi naman lahat nandun inexplain. this kind of business wont have a last long relationship with the their clients.

  9. yen says:

    buti na lang….nakita ko tong page na to at nabasa mga comments nyo…coz a while ago, i received a call from nabunot daw ang name ko sa raffle sa SM.Pinapapunta nya ko dun to pick-up my 2 Premium Gift Items…and to play for a chance to win brand new car and $10,000…basta lng daw ang Credit Card ko ang magsisilbing ID ko…kaya kadudaduda…..kaya naisipan kong i check sa internet at hindi ako nagkamali..scam nga…buti na lng…atleast hindi nasayang ang oras at pagod ko..hindi na ko pupunta dun..

  10. lhen says:

    amf.. anu ba yan kahapon kasi na ganyan din ako sa mall eh.. 7600 yung nakaltas sa atm ko kala ko naman talaga totoo kasi nga nasa mall sila and ang dami talagang tao na nakukuha nila to sign up.. pano ko poh ba ipapa cancel yun baka kasi kaltasan nila yun ng kaltasan eh.. kaasar naman.. kala ko pa man din secured na ko.. kainis tlga..

  11. cecyl says:

    hay na lang..bakit kaya may mga taong ganito ano…i am from Mindanao and my mother use to received calls from them…very persistent sila on looking for me until I received a text from them husband was very annoyed, pero I insist to check on them kasi i thought it was not a coincidence they located my cell #…I was able to talk to someone named Ronnie David and I informed him that I would want to check lang since I am from Mindanao nga and I thought they were a scam…he just responded by saying..”naiintindihan ko po..”, the next thing I knew, my husband was browsing the net and showed me that it is truly a scam…NAKAKADISMAYA lang sila…sana hindi bumalik karma sa family nila sa ginagawa nilang yan…:( :( :(

  12. mervin says:

    i had this same experience as well last sunday. I was just invited sort of, to play, for me to have a chance to win a honda car or $10,000. pretty cheesy and tempting so i went along with the sales rep in to their office in sm annex, ground floor. i was passed to another representative for a presentation which should supposedly take 45 min only and turned to last for almost three hours.
    they will lure you to the benefits of saving, endless question and answer until you get fed up and you just wanted to give in. this rep named leya asked for my cc and said they will just check IF i will be qualified for their program. before i even knew what was happening, my card has been swiped and i was automatically charged 9,500.
    i wanted to cancel now the policy after getting to read all of these.
    what are my options so i dont get charged for this and much better to get rid of this for good. your help will be greatly appreciated. thanks.. anyone?

  13. PPLI SUX says:


    we encountered this s**t last sat nacharge un card ng gf ko pero ako primary card holder..she’s just my supplementary. i called my cc company right away and filled for dispute and cancelled my gf cc. they still send those shitty docs for policy stuffs but i dont give a damn about it.ill be going back to annex to throw in their face the docs and if they still insisted for that shit insurance ill be going to call DTI since my aunt is working there. God speed all! keep this thread alive to inform others with this crappy scam.

  14. kat says:

    nagoyo din ako last night, kinaltasan ako ng 24,000 thousand. iwant to cancel na my policy. meron ba d2 na nag-cancel then nasauli ung money nila.

  15. renz says:

    hi po.. me too na encounter ko din kanikanina lang sa sm.. una sbe saken na mglalaro k lng ng prng slot machine then pwede ka manalo ng $10,000 or honda city na wla ka ilalabas na pera, then i try to play.. dnala ako sa office nla den kinwento ung brief history ng company, nung ptapos na, sbe nla try dw nla ung bank ko kung ok dw kumuha ng 28000 plus pra dun sa savings dw sknila.. tpos un nbgla ako, hindi ako pumayag, sabi ko nlng my emergency sa house, hindi ako pwede mg bgay ng pera.. tpos un kinukulit ako, ayaw ko prin ngpilit ako na kylangan ko na umalis.. so sana po matuto na tyo po tyo, wg tyo bsta bsta mgtitiwala sa mga gnyan bgay.. BEWARE NLNG PO…

  16. Edmarie Inda says:

    ako rin nabiktima ng Prudential Sa SM north Annex. 24,000 ang na icharged kaagad sa account ko. Please magtulugan tayo para mahinto na ang panloloko nila at maibalik ang pera natin . Amy alam po ba kayong email ng imbestigador o telephone number?

  17. Melissa says:

    I am a victim too. ang gusto ko ring i refund ang pera ko. Can you help me out.. I am planning a legal action on this. If involving MEDIA would be better then I will do it. all I need is support from you guys! pls reply to this post. thank you.

    To Ermarie Inda.. I will cooperate on that.. kaya lang d2 ko s middle East.. Jan ung Fiancee ko, xa ang pinag aayos ko ng prb ko with that Idiot Prudential Life.

  18. Melissa says:

    Hi All especially to yan2z kc I want to get may money back.
    I am a victim too. ang gusto ko ring i refund ang pera ko. Can you help me out.. I am planning a legal action on this. If involving MEDIA would be better then I will do it. all I need is support from you guys! pls reply to this post. thank you.

    To Ermarie Inda.. I will cooperate on that.. kaya lang d2 ko s middle East.. Jan ung Fiancee ko, xa ang pinag aayos ko ng prb ko with that Idiot Prudential Life.

  19. Melissa says:

    Hi Edmarie,

    I’ve got imbestigador Hotline and it’s +632 928 4713. I want to call them, but I want also to do first the cancellation letter and see their response. From there, I can call imbestigador.

  20. Melissa says:

    Hi Edmarie,

    I’ve got imbestigador Hotline and it’s +632 928 4713. I want to call them, but I want also to do first the cancellation letter and see their response. From there, I can call imbestigador and rely the issue.

  21. Edmarie says:

    Grabe, dapat ibalik ng Prudential company ang mga inital deposit o kanselahin ang premuim ng mga nabiktima ng Bagyong Ondoy at Pepeng. Maawa naman sila, tulad sa akin na halos naubos ang mga gamit at nawalan ng tirahan. Kung totoong for in help/service for Filipino nation ang goal nila, dapat maawa naman sila sa mga taong nasa gipit na kalagayan at huwag nilang ipilit na pagbayarin ng kanilang premuim loan.

  22. Melissa says:

    Hi Edmarie. Im online now. Lets talk sa YM. Tnx for the response.

  23. Melissa says:

    Hi all,
    Is there anyone who wants to participate with us. It’s a big help. so we can get our money back. Pls email Edmarie or me. NX in advance.

  24. Melissa says:

    hahaha. so funny.. naka down ang system nila? pero bakit nung kukunin nila ang pera wala atang error ang system nila. Pag may complain may error ang system. waht bullshit explantion!

  25. Arpee says:

    i am breaking my silence and offering what little i can do as a blogger. since i have started this post, i will see it to the end. i agree that decent hardworking people should not be duped out of their life savings. i will ask my blogger buddies who are lawyers to help those who have been victimized. a word of caution, we are entering THEIR realm and before they implemented the whole scam, they’ve thought about all the possible loopholes and legalities. if they have been doing this for the longest time, that only means they know more about it than we do. information is the power they wielded over us and it is only right that we fight fire with fire. will email you guys on my suggestions/recommendations for a call to action. there must be a loophole they might have overlooked.

    • rhea says:

      Hi im rhea from cebu
      i just know plilippine prudential life insurance just today around 12noon while i and my friends were inside the sm mall. then here it goes they have agents who called us and invited us to join their promo wherein we will be able to win a honda brand new car or a trip to Macau without letting us to pay any amount of money. they will just ask if we have an active debit or credit cards and a valid id*take note they need to see a receipt from our debit card that the acct must still have an available balance which should not be less than 5000!after that they told us that we’re already qualified to join their promo so there it goes they gave us the coupon and we did fill up the coupon with our name and the name of the cmpy where we work. and they told us that we need to go to the 2nd floor because it is where we will drop the coupon and they only need us to stay in their office for 45 minutes for some explanation on how their promo works……….. which is apparently different coz when we were inside the office they have lots of agents there and they and they will do one on one discussion with us(apparentl 1agent is equivalent to 1 client 1:1) so we were shocked coz they said that it would only be just a discussion regarding about the promo but when the agent started his discussion with me he was talking about S-A-V-I-I-N-G-S and asking me on how much would i be willing to save from my salary so the discussion goes on and on until he offered me to put a savings in to their cmpy wherein i can start an opening acct for only 3000 with benefits(there are products covered upon setting up that acount i became interested about that…to make it short i did sign up the paper that i will open an acct to them so they did swiped my card and a costumer rep did a recap about the savings and the benefits to it such as hospitalization and etc…….. but then i was just so angry coz they said the disclosure regarding about the savings that i opened to them will expire ater 1 year from the date i opened my account!so i shouted to the customer rep coz if we say savings there should not have an expiration date right? so i told her that its not a savings it would just look like that i bought their products for 3000 and there is nothing that i can do anymore coz they already swiped my card so i walked out from their office realizing that it looks like a scam so i went back in and ask them for a refund of my 3000 right away coz i ain’t gonna let them take my money for nothing coz the benefits of the products under it is not really applicable to my everyday living but they said ”NO RETURN NO EXCHANGE!!!!!!’ so im thinking to to file a case against them even though that the money they took out from me is only 3000. it is still a money and i did work hard for it then they will just took it from me so easily?
      I hope i can get a response from you arpee as soon as possible coz im really worried about this and the worst is case is that they have my card no……….

    • john says:

      peke po ba ang Philippine prudential?

  26. mackybam says:

    hello all, just want to share with you re-Phil. Prudentialife Insurance or DANVIL/PPL .
    I you havent recd yet your ins. policy you can write letter address to their Pres. that you are going to withdraw and claim/get back your money. You may furnish copy of said letter to SEC. State in your request letter a strong and valid reason why you’re withdrawing it…..dont forget to inform or send also copy to your Credit Card Co. so that they will cancel your transaction related to DAVIL/PPL.

  27. melissa says:

    Hi mackybam & Arpee.

    Thanks for the idea and concern. They will not do such things like this if they have not planned well everything. They were prepared for this situation. They used dirty marketing strategy to incourage people to avail the product. As I have said If involving media would be a big help I am willing to do it. ARPEE, please email me for any updates. KIndly help us with this. They know nothing how we suffered just to earn the money they have taken from us. MACKYBAM, i have used my international credit card for this. Du you think they will accept my request and coordinate with my issue. Thank you. ( [email protected])

  28. melissa says:


    I mean if i will send a copy of my letter to the credit card company do you think they will help me this as I have used an international credit card fot this. Tnx.

  29. melissa says:


    I mean if i will send a copy of my letter to the credit card company do you think they will help me on this as I have used an international credit card fot this. Tnx.

  30. melissa says:


    I mean if i will send a copy of my letter to the credit card company do you think they will help me on this as I have used an international credit card . Tnx.

  31. arpee says:

    everything starts with writing letters. i strongly suggest, melissa, you try mackybam’s suggestion. always document every step of the way so that when it escalates into a legal battle, you have all the necessary documents as evidence. hwag daanin sa init ng ulo kasi dun masisira diskarte mo

  32. Melissa says:

    Tnx Arpee.. Nag release nako ng init ng ulo coz I really cant think well.. But now Im ok. I will do and follow your advice. tnx to both of you.

  33. norma says:

    hi arpee, isa din ako sa victima ng danvil, gusto ko rin mabalik ang pera ko kasi palagi kaming nag away ng asawa ko ng dahil sa danvil tulungan ninyo ako please..tanx po

  34. Melissa says:

    Life is like a game. You must know how to play. But some people playing the game of somebody else game, then you must TOO know how to play, BETTER than the game they played! :-)

  35. earl alvarado says:

    OH MY GOD!!! malaking OMG shit… ngayon ko lang nabasa to… kaninang 4″30Pm nadisgrasya ang 9500Php namin sa PPL insurance SM CEBU… katulad din sa mga experiences nyo… my god… ang pinagtataka ko lang, na pwede pala sa kanila ang fiancee, mag-boyfriend or girlfriend at friend ang benificiary,.. sa pagkakaalam ko wala sa batas or bill ng republic of the philippines… when i heard that they are allowing na kahit hindi kadugo pwede daw ma-cover sa mga benificiary… nag-duda na talaga ako… kaso ang partner ko gusto talaga kase maganda ang mga promises nila sa mga plan holders… i told them that we will think about it coz’ it’s a lot of money… but they refuse coz’ the promo is until TODAY!!!… i know that its a shame that we were a victim of this scam…

    i will surely report these matters to ABS-CBN and GMA7 news, para naman mag-tanda sila…

    monkey wearing lions coat, is still a monkey…

    condolence nalang po sa mga pera natin… i know that we are trying to fight for it pero, medyo malabo… after a month or a year they will surely declare bankrupcy sa insurance nila…

  36. earl alvarado says:

    i am hoping that they will return our money… GOD Bless nalang po sa inyong lahat…

  37. Jeune says:

    hello everyone, I’d like to refer you to a blogpost about a person who successfully recovered their money from this scam. I think we should do something about this, report them to DTI or something.

  38. rash rasid says:

    hayyy…naku nabiktima rin si mrs. nung oct.16 lang , friday sa sm north may car pa raw na naka display para maakit ang mga tao at syempre maraming lalapit. parehong pareho ang modus nila, ang hinanap sa kanya ay citibank cc para raw ma-qualify sa palaro nila at may mga libre pang kung ano ano. Ang sabi nila hindi insurance kundi savings raw parang trust fund at malaki ang interest at after 1 year pwede na raw i-withdraw, ayaw ni mrs. dahil kailangan ng consent ko bilang principal card holder kaso talagang mapilit sila bale tatlo yung nag tulong tulong at iba pang nagpapalakpakan. sa makatuwid napilit si mrs. kasi nga sa dec.1 pa naman magsisimula ang bayaran , nagulat na lang ako kanina na pumasok na sa billing statement ng cc ko ang 24,000, so ang ginawa ko nag download ako sa citibank ng cardholder dispute letter na i-cancel nila ang said amount at nag fax ako ng letter of cancellation sa prudential pero ang worry ni mrs baka narelease na ang pera ng citibank sa kanila at sa amin na ikaltas, pero ang sabi sakin ng citibank i-hold nila, sana naman. Ito ang pinadala kong cancellation letter sa prudential tru fax

    October 23, 2009

    PHILIPPINE Prudential Life
    Insurance Company, Inc.
    Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
    EDB Avenue corner Garnet & Sapphire Roads,
    Ortigas Center, Pasig City

    RE: Cancellation of Insurance Policy # PPLxxxxxx

    To Whom It May Concern;

    Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.

    Your Name
    Address & Signature

    Eto po yung letter para may masundan kayong guide, yung dispute letter form download nyo sa creditcard company nyo kung citibank just go to Sana po magtulungan tayo pwede nyo akong tawagan sa 799-21-37 10am-8pm only)kung ano tamang gawin. Salamat po! Update ko na lang po kayo.

    • xtin says:

      rash can i call u ? i’m a victim of this shit Phil. Prud. i want to ask u about this …pls i need ur reply asap ..pls do help me

  39. rash rasid says:

    kagagaling lang po namin ni mrs. sa ppl sm north, at successful ang cancellation at buti naman hindi kami pinahirapan pero time consuming talaga. hindi na makatulog si mrs. kagabi dahil iniisip nya pano namin gagawin ang laban nga ngayong umaga sa ppl. maaga kaming pumunta halos kabubukas palang ng sm , baon sa aming isipan ang mga nabasa naming tips na narito sa blog, completo sa mga documents na kailangan at nagpaxerox na rin in case.. dahil napaaga kami naisip ko na magmasid muna at bubwelo ng magandang timing kasi ang daming agents nila na nasa lobby sabi ko sigurado sa dami nila mapagtutulungan kami saka para na rin mag hintay ng iba pang complainants ,si mrs. nagmasid sa may sm bingo ako sa may lobby dahil di naman pa ako nila na meet so di ako makikilala, inabot ng 2 hours walang dumating na ibang complainant kaya nagpasya na kami pumasok na naka poker face yung mabagsik ang dating itsurang parang gustong manapak agad, pero syempre sa loob loob namin worried talaga kasi 1 week na ang nakalipas e ang sabi dito dapat w/in 24hours lang, saka sabi mahirap ang ppl mag-grant ng cancellation, so pag pasok may pina fill-up na kapirasong papel tapos biglang sabing bumalik na lang ng 1pm kasi nasa meeting yung kakausapin, sagot ko agad sa astig na boses …hindi pwede maghihintay kami!!! sabi nung bading sa front desk ‘sige po’ ….sabay sabing pakisulat po reason ng cancellation nyo, e di ba nakahanda nga kami kaya iniabot na lang namin agad at nagulat sya…….antay na naman ng matagal tapos complain uli kami…..matagal pa ba??? itsurang banas na kami…kayo na po sususnod dahil inuna pa nila yung bagong dating na student na biktima nila baka nga naman makausap kami at madale pa comission nila, pero panay ang tingin ng studyante sa amin nagtataka siguro sa expression ng mukha namin, nung wala na yung dalawa, bigla na lang sinabihan kami na okey na po sir na cancel na po, so nagtaka pa ako ni hindi na kami kinausap pa, tulad ng iba na pahirapan basta okey na raw agad, so natuwa talaga ako sa loob loob ko pero hindi pa rin nabago facial expression namin na poker face……humingi kami ng confirmation at parang atubili pa sya …sabi ko kailangan ng cc bank namin ng confirmation na na cancel talaga…..grabeeee!!! inabot na naman ng matagal ……sabi ko bat ang tagal e confirmation na lang naman isusulat sa papel na may pirma ng ppl ang gagawin. kalahating oras bago na print ewan ko kung bat ganun katagal… read and check kong mabuti para sure tapos umalis agad kami. Dun na kami nagkita at inabangan nung mag bf na student na nabiktima nila, kawawa nga kasi pati kabataan binibiktima walang patawad, tinulungan namin kung pano gagawin, and the rest is history sana nakatulong kahit onti ang kwento ko, o tawagan nyo ako o email ,nasa unang post ko yung #. thanks to Allah natapos rin ang problemang ito sana po kayo rin maging successful sa cancellation nyo. Inshallah!

  40. Weng Castro says:

    Yesterday lang nangyari sa akin sa SM North Edsa bibili lang kami ng anak ko ng computer table tapos me representative na lumapit at kung anu-anong pambobola. Kesyo wala daw money involved, the usual thing gaya ng experience ng ibang blogger dito. Tapos offer pa sila ng iced tea or coffee talagang hindi namin ininom ng anak ko baka me kasamang hipnotismo yung io-offer sa iyo. Pero inabot din kami ng mahigit 1 hour kasi nga nagdududa na ako dahil bakit kailangan magdesisyon ka within 45 minutes eh! malaking pera din yung kailang initial deposit mo. Sabi ko di ba kailangan pag-isipan yan overnight kasi 24k is 24k, tapos lapit yung supervisor me offer na maliit na amount na kailangan ipa cc mo pang estudyante daw. Pero nagmatigas na ako ang hindi iyon ang priority ko sa ngayon dahil magpapagawa kami ng house dahil nasalanta ng typhoon pero makukulit talaga sila tinayuan ko na at nag walk out na ako. Sana naman hindi pinapayagan ng SM yang mga ganyang modus operandi na yan. Sana magsilbing aral ito sa mga tao sa mall na wag talagang magtitiwala kahit kanino. God Bless po!

  41. lhet says:

    want to say thank you kay rash racid for providing us your sample letter..nacancel na yung policy ko kanina. just got it last october 24, 2009. before ako pumunta sa ofic nila nagprepare na ako nang letter of cancellation. nagulat ang staff doon na may prepared letter na ako. sasabihin pa sana nilang walang office kasi monday at ang manager lang daw ang pwedeng magcancel pero i insisted.magagalit pa sana pero sinabihan ko nang “noong may kailangan kayo sa amin halos lahat e offer nyo coffee, juice and water tapos ngayon pinababalik nyo pa ako for tomorrow para macancel yung policy ko.” e d pinapasok ako, pwede naman pala kahit sino ang magcancel ng policy..for a few minutes nakuha ko na ang SOA na cancelled transactions. just ready your letters and photocopies when you go to there office coz kinukuha nila yung original copies and OR…be sure to to let them sign in your received docs especially the OR..GOD BLESS to all…

  42. Melissa says:

    To all successfully got their money. congrats! and thanks sa pag post ng tips. Di ko p rin n refund yung sakin as it’s been one month na.

  43. labyrnth29 says:

    Talaga pwede kahit sino mag cancel nun? Grabe nakakainis! Sobrang mga manloloko sila.. I was a victim as well 19k yung naswipe sa card ko, ang sabi nila ichecheck lang daw kung papayagan. Hindi nyo masisisi yung mga nabiktima, most of them are caught off guard. I surrendered my plan last september. I checked yesterday with my CC bank and they told me that only 16,800 was credit back. I will call PPL’s office later and why didn’t they refund the whole amount to my CC. Ang daming nangangailangan ng tulong regarding the unethical marketing strategy of this company. Saan ba sila under at kanino ba pwedeng magreklamo para naman magtanda na sila.. Kung meron sanang nakakaalam kung anung law ang nagcocover ng unethical at misleading marketing please, tulungan nyo naman po ang mga taong walang magawa.. Salamat!

  44. labyrnth29 says:

    just called them, the customer service representative (jeff) said the remaining amount will be credit back to my CC. I guess i’ll just have to wait again. I really would like the sales rep to be repremanded. Aside from their misleading information, i can’t forgive the fact that they will lie straight to your face just to sell their plan. Lalo tuloy silang nagmumukhang scammer dahil dun. Sa SM North din ako nabiktima. At first ang sabi sa akin, hindi daw pwedeng icancel yung plan downgrade lang daw! (WTF!) tapos nung hindi ako pumayag, pinaghintay ako ng matagal at saka sinabing itataya nya daw wok nya para macancel yun. It is not fair! I do not know if the admin of the company knows what their branches are doing. Or if they are only concern about their branches meeting their quota. This is not the right way of doing business.. If any of you are planning on doing some legal actions please post in this forum your action plan and what kind of support is needed. I’d like to help.

  45. flushbowl says:

    I went to their Megamall Branch yesterday to have mine cancelled as well. I presented my cancellation letter to one of their staff. Galit na galit talaga ako because I let myself be deceived by these people. The staff told me that if they were to cancel it outright, I won’t get a full refund. She said that they would elevate it to the management and I need to wait for their call for about ten working days or so. Grabe sila, sobrang panloloko ang ginagawa nila sa mga walang kamalay-malay na tao. I even stated in my letter that if I will get a full refund, I will take the necessary action. I even asked to talk to the manager but they told me that she was on a meeting. To *ell with them, they are a bunch of scammers. As of now, hintayin ko lang muna then I’ll think about my next move.

  46. flushbowl says:

    Just a correction:
    “I even stated in my letter that if I will not get a full refund, I will take the necessary action.”

  47. labyrnth29 says:

    Called their customer service again (since the agent didn’t call me back as promised). The freaking sales agent named Edwin from SM North Branch sabotaged my cancellation. Just found out that only my Endowment plan was canceled and the “rider” which was supposedly free is still active! They still owe me 2,200!!!!! Even if their company is legal it seems as if they are operating like syndicates whose only goal is to reach their quota no matter what! I hope that this company goes all the way down to hell for employing such employees! Will give everyone an update.

    Please advice what kind of necessary actions/legal actions are you planning so we could help. I’d really like to see this company reprimanded

  48. labyrnth29 says:

    What kinds of legal actions do you have in mind?

    Does anyone know where we could file our complaint regarding this company?

  49. flushbowl says:

    exposing their modus operandi to the media will definitely hurt them. sama ako if ever may contact kayo sa media.

  50. mel says:

    Got a good news guys! they will cancel the policy and refund the full amount. Just need to return original documents and dats another prb. I dont have it until now. Let’s see again. need another step. But atleast got a gud news..I’ll tell you how I’ve got it when everything is ok..

  51. mie says:

    hello guys, sa akin na cancel ko na, may letter ako galing sa danvil na i refund ang full amount but maghintay ako ng 30 – 45 days..processing daw sana hindi aabot nga 30 days kasi magbayad man ako na interest sa cc ko….sana kayo din marefund din sayo…regards nalang sa lahat sa danvil victims…

  52. MEL says:

    Hope everyone should read this blog every now & then…so we willl keep posted.. Let’s see and watch PPLIC ends. TNX to ARPEE’S blog.

  53. Mel says:

    I mean PPLIC dirty tactics end.

  54. thei says:

    grabe, they are fucking scammers: every last one of them lying shitfaced freaks! i was scammed also just last oct24. after a very long day of work i paid my bills sa sm north then UNFORTUNATELY my friend and I just had to pass by the area connecting sm north the block and the cinema area of the main bldg then ayun – may lumapit na: ARICA ung name niya if i am not mistaken – smoothtalking bitch – asking if we wanted to win a car, etc- wll to make the long sad story short eh i was duped bigtime: 19.2K charged on my cc. i am not a stupid person – but because i was literally a walking zombie in desperate need of sleep (nightshift kasi ako) and rest kasi talagang may sakit ako that time plus the fact that the rep, BRIAN, and everyone in their office (sm annex) are all conniving monsters out for money eh ayun..BUT naman i did have the common sense naman to ask at least 3x whether if i cancelled the plan eh kung macha-charge ako for anything eh angsabi sakin WALA daw. grabe, tapos i tried cancelling come monday (oct26) by first calling up customer service eh sabi sakin i have to go back daw where i signed up pero wala daw ako makakausap regarding cancelling the plan on Monday so Tues na daw ako pumunta so fine. Then when i went there on Tuesday eh sabi sakin pwede daw icancel ung plan pero refund hindi daw kasi nacharge na daw ung 19.2k sa cc so idowngrade lang dwa ung plan ang possible way – kung sana daw same day of signing up eh dun daw ako nagpacancel eh dun lang daw pwede mavoid ung contract (sabi nung Eric) – WTF!!! but being the slow-to-anger type of person that I am eh di ko naman na-contest un so better may mapala ako so tinanggap ko downgrade – tanga! pero ngayon that I have read this thread eh i feel like i am just about ready to do anything to get my money back. thank you all soooooo much for being fighting for your rights – i will certainly do the same.

  55. Mel says:

    Hi thei,
    follow the steps that we did.. but the best of all go directly to their main office. They will action more faster than where you signed up. Just prepare your request letter for cancellation.
    PHILIPPINE Prudential Life
    Insurance Company, Inc.
    Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
    EDB Avenue corner Garnet & Sapphire Roads,
    Ortigas Center, Pasig City

  56. thei says:

    thanks, Mel.. hay, grabe, i relaly felt sooo helpless thes past days. Di ako makakain, i barely sleep and its affecting my work na din. my family doesnt even know about this kasi I cant bear to see them disappointed in me for falling for a scam such as this. pero paano kaya un, pina-cancel ko na din the day i accepted the downgrade – pero I guess since tinanggap ko ung downgrade then the plan is still in effect right so I can still formally cancel it and request for the charge to be stopped when I go to their main office right? other than the Request Letter for Cancellation and the docs PPL gave – is there anything else I need to bring like the dispute form from my cc? pag-di sila umayos eh I will go to the media. My ates are from ABS-CBN and all hell will break loose talaga pagnagkaalaman…

  57. thei says:

    oooppss, sensya na sa lahat ng typos ko sa previous posts. hehe
    di halatang nanggagalaiti lang naman ako sa galit diba.
    hay. no more ms. goody two shoes.
    kung hindi lang holiday bukas eh pupunta na ako sa main office sana.
    well sa tuesday na lang…
    again, maraming salamat sa inyong lahat. this is something we can’t just let go eh – di pwedeng sabihin ay charge it to experience na lang – we all have to do something about this. let us spread the word para mabawasan ang mga mabibiktima nila sa ganitong dirty tactics nila. lahat naman tayo nagtratrabaho for a good future eh paano mangyayari un kung ngayon pa lang nilalamangan na tayo…

  58. J says:

    Obviously, this is a scam that they have been doing for years now to lure people into getting their effing Endowment Account. Malas lang namin ng best friend ko. We never really take time to even get fliers from anyone anywhere, ewan kung bakit on that day ay we gave a chance to that agent “Blemai” sa SM North na ipresent ang hoax na promo nila..

    I called up their main office just now and spoke to a certain Carla Norada (perhaps this is the same person that Arpee was pertaining to on his original post. I’m planning to go through their main office muna para diretso ang transaction/request. Carla is now asking me to fax her a cancellation letter and an Incident Report.. Good thing I have that prepared already. I’m sending it to her within an hour. Let’s see where this would go.. Hopefully, it will be a smooth transaction. If it is, then perhaps I can try to help others who have been “pushed/bullied” as well to sign up for an Insurance Policy with them.. How I envy the lady who went in before me.. Ang bilis niya nakalabas with matching MURA to all staff within their office.. Wish I was that mataray at that time – too bad am too polite of a person kasi.. But NO MORE Ms. Polite for them…

  59. Jennifer A. Sunga says:

    Hi everyone, sad to say talaga isa din kmi sa na biktima ng manlolokong “PHILIPPINE PRUDENTIAL LIFE INSURANCE INC.” na yan. naloko kami dahil ang pagkakaalam namin ung savings is within citibank credit card parin mapupunta sabi nga nila “sa bangkong pinagkakatiwalaan mo” at wala dw silang pera na kukunin samin kundi sila pa dw ang magbibigay ng protection sa amin at tuturuan ng tamang pag save ng pera. Ang mali lang kc ng bf ko binigay nya ung card nya sabi kc ng nag oorient samin is susubukan lang dw nila if maaaproved kami if di dw wala sila magagawa.tpos ayun na swipe na nila agad nakuhanan na siya ng P24,000 ng ganun kadali..nagrequest kmi na icancel nila ung policy namin pero maghintay dw kmi ng 30-45 days pra sa processing.
    Nakakalungkot kc ang dami na talaga nilang nabiktima dpat talaga na mapa-imbestigador na sila pra di lang ilan sa knila ang mawalan ng work kundi mawala na rin ng tuluyan ung company nila kc marami pa ang mabibiktima.
    I pray and i hope na maibalik ung perang nawala sa boyfren ko. Now we realize na hindi pala tau basta basta dpat magtiwala sa isang tao. :-( alam kong may way si God pra masupil ang panloloko nila.

  60. lhet says:

    hi to all…talagang very well trained yung agents nila para manloko…same strategies ang ginagawa…pareho sa sinabi ni jen, ganun din yung sabi nila dito sa smct iloilo…basta tawagan mo lang kaagad yung CC mo para makapagfile ng dispute letter at puntahan yung office ng PPLC…taas noo ka dapat kung pumunta doon para matakot cla sa iyo at macancel kaagad yung plan…ganoon din yung ginawa ko…hehehe…

  61. Jem says:

    hello po sa inyo… around three weeks ago, i received a phone call from PhilAm Plans ata yun, aying I was referred by someone and I have a Php25k worth of Accidental Death and Dismemberment coverage from them. Sabi pa, in order to claim it, I need to present three valid ID’s. My sister went to PhilAm Plans Cubao office to claim her cash loan check, since I remember the phone call, i gave it a try. I was asked to sign form, then the first person who talked to me, asked for a Bank ID and he told me the credit card will do, also he asked for my company ID and gov’t isued ID so I gave him my Driver’s License too. After that I was introduced to a Receiving Manager, she looked nice and presentable. She started praising me, asking me personal questions then she said she knows something that might be of my interest. She told me not to let my sister know because it i a limited offer and not everyone qualifies for that offer. I asked her to tell me more about it, after some presentation, she asked for my HSBC credit card, asked for my other credit cards then she left, she said the approval will take about 3-5 mins. When she came back, she introduce me to a Unit Manager, then they have a landline and they’re trying to call HBC. they said my card was declined, I got confused as to WHY they SWIPED my CARD?!! HSBC said they charged my card Php 11,000+. The had me sign on the receipt and said I was approved for a Php50k plan. They let me sign other forms, sobrang bilis ng mga pangyayari. Walang explanation, they just let me print my name and sign them all. I tried reading them but the fine prints and lengthy words made my tired eyes grew even more stupid. Di ko siya naintindihan, and since I have my sister waiting for me outside, i was in a hurry. When we got home, I reviewed the photocopied paper they gave me. I saw that it was a for authorizing them to charge my HSBC credit card, and I am expected to pay the other amount of Php 30 before november ends.

    It was around an hour when we reached Home and I contacted the Lady I talked to, I told her I want to cancel it, and she said Low-batt na yung cellphone niya. She asked for my landline and I waited for her to call. Then I sent her a text message, I begged for her to help me cancel it. And she is prepared with her rebuttals like “so yung budget yung primary concern mo?” and also “if you will not be asked to pay 30K will you still be interested to continue with the plan”. She said ipapa-approve daw niya sa mga managers niya then she wil update me, 24hrs have passed, I still didnt get a feedback. I dont know what to do. Please tell me how to cancel this.

    Yung nasa paper “Progidy and Educational Plan ang nakalagay, and i remembered the manager saying “yun kasi yung naka-register sa SEC”… oh.. my.. i really don’t know how they made me say Yes to it. I just really went there to accompany my Ate and to check the offer for Accidental Death and Dismemberment kasi sabi i-claim ko lang. Then I am torn now.

    My mom said di daw ako nag-iisip, which is true, I still cannot accept that I agreed to something like this. I am only 23 yrs old and working for less than two years. I have other bills to pay. and yung 11k na charge sa credit card ko is too much, even more the 30k that they are asking me to pay on the 13th of November.

    Help me naman po.. I understand yours was bout Prudential. Mine’s from PhilAm Plans. I dont know where to start disputing this. Should I call HSBC? How do we dispute a charge on the credit card and how can I cancel this when they have the docs with my signature on them.. :(

    you can also send me an email at [email protected]

    Thanks! you’re feedback and tips will be appreciated.

    God Bless mga kababayan! I hope to get this resolved soon. I can hardly sleep and eat because of this. Di ako makapaniwala na ganun lang, napa-oo ako. i wasnt really thinking. I need to stop blaming myself and start resolving my problem now.

    • Jem says:

      hi. ask ko lang po if possible na i-delete po yung email address ko na na-post sa reply ko back on Nov 6, 2009? if not, how about the comment i have placed? privacy reasons lang po sana. Thanks po. :)

  62. cherven says:

    Hello to all.. I had the same experience, same modus operandi. Mine is from Benlife. I made cancellation letter already faxed to PMRC and to Benlife, unfortunately until now there’s no clear result pa din. When I called them they always making excuses. Please help me..

  63. sheila mae reyes says:

    November 7, 09 SM City Cebu

    I have a experience din sa mall sa prudential life, 1st i was walking sa mall then my ng aproach sa akin na taga prudential tapos mananalo dw me ng 10,000$ & brand new car honda civic mglaro dw into spin & raffle, after itanong sayo na u hav CREDIT CARD o any ATM card na activated at my money, and then sabi ko my atm me sa Metro Bank tapus activated pa xa, sabi ng staff ng prudential company pra sure punta kami ng metro bank machine pra e chek o verify my laman o active ba cya, after nuon punta dw kami sa office nila sa loob ng mall Infernes ha! maganda ung office nya ang bunga ng set up, after noon dami sila ng accomodate dun, after papasok na kyo sa opis nla to explain regarding sa saving then u have deposit sa kanila almost p6,000+ after my monthly u nababayaran ko to saving deposit…after how many yrs 5 to 7 yrs.makukuha ung money mo na savings na dodoble or a million na…i was thinking is this desame w/ LEGACY SCAM? ang nakakainis dun nung araw na dun ung lang oportunitis mo ma deposit pra sa savings nila if u decide na nexday pra mg deposit ng saving nila p6,000+ hind na dw pyd kc this day lang dw promo nila…mga gago talaga ung skim nila dapat customer is always WELCOM, style nyo bulok kc pag interesado ung Customer nyo dapat e entertain nyo kc ibang araw…talagang SCAM talaga, ang importante sa kanila mka sign ka o mka saving account ka sa knila to get ur money then u dont know in the future saan pupunta ung money mo the same of LEGACY scam… Hopefully taga cebu o sugbo hindi maluluko na skim nato…beware na ganyan… ( Prudential Life Insurance located SM CITY CEBU near LTO office ) Hope u share din sa experience nyo lalo na sa CEBU City . . .

  64. Mel says:

    HI Chreven…Yo have to visit the head office directly para mabilis ang action. If you will just wait for their calls..Naku, malabo..

  65. rupert says:

    nakakasama ng loob kasi naloko ako. hindi ko alam na niloloko na pala ako nong nasa opisina nila ako don sa megamall. pumunta ako sa megamall kahapon 11.08.2009.they got 33,600 from me through my credit card. they said they had to check if my bank will allow the transaction. ayon nga pumasok na yung transaction. honestly, i smelled na kaduda-duda nga ung nangyayari non pero i could not explain kung bakit na-fall pa rin ako sa raket nila. can anyone help me how to get my money back? Ako kasi ung taong tahimik lang, hindi ako magaling magsalita, for sure mahihirapan akong ipaglaban ang sarili ko at karapan ko. sadly, napirmahan ko na ung kontrata kaya alam kong mahihirapan talaga ako.

  66. mary grace says:
  67. Weng Sarillo says:

    OMG! ngayon ko lng to nabasa! My citibank card has been deducted for the premiums 2 months na. Same strategy that they use here in Iloilo. The people of PPLI are really bad. They do take advantage of the Filipinos talaga. Pwede pa kayang ma cancel yung policy ko? Anyone wouldn’t feel comfortable by the strategy they implement and now reading all these reactions, I would say that I don’t trust their company anymore. So anyone with the same case? How can I cancel the policy when it is already in effect? And is there any chance I can have a refund of my previous payment? Any help on this matter would be greatly appreciated. Thanks!

  68. lhet says:

    hello weng…i am from iloilo too..just go to their office bring a letter of cancellation (see sample letter on older post)…if they tell you to come back another day, insist on cancelling your plans on that day…it’s one of their delaying, i came on monday, it’s their day off daw and sabi is wala yung manager but i insisted i even gave them a strict look..they immediately cancelled my plans even without the manager and gave me their cancelled plan letter…you have to photocopy first all your documents and let them sign received…you should also call your CC ask them on what you should do to cancel your payment..they will refer you to their concerned department…me, i faxed a dispute letter to the CC plus the cancelled letter i got from PPLC and less than 30 days i got a call from my CC that my account has been removed…GOD BLESS

  69. dru says:

    actually me and my friend was on our way to our reunion yesterday sa sm north edsa then suddenly this girl ask us about winning a car from out of nothing then maya presentation and with got to go to the office downstairs near the bingo office,45 minutes was turned in to closing of sm north edsa grabe ang mga to dapat sila i report sa imbestigador or bitag kapal ng mukha di naman nila kami na persuade pero dami tao na nakakaawa pa na mabiktima pa nila…kapal ng mukha ng mga bulok na pukinang ina mga babae at mga bakla na nagoofice sa PPLC na yan go to hell!!!

  70. dezerie says:

    hi there!
    grabe nman kau magcomment about PPLIC 220 naman d b na may taong manloloko at may taong nagpapaloko so kung ginamit lang ninyo ung mga utak nyo so sana di kayo naloko db??? wag nyo lahat ibuntong ang galit nyo sa PPLIC kc kasalanan nyo din yan!!!

  71. dolores says:

    hi dezerie,
    tama nman talaga kc maY mga pinag-aralan namn lahat ng tao at wala nmang taong bobo na nagpapaloko kung ayaw nman talga db???

  72. labyrnth29 says:

    @mary grace: grabe naman 48K? were you able to submit a letter of cancelation? grabe ang mga tao sa north edsa. They’ll lie straight to your face! sabi sa akin hindi ko na daw pwede irefund yung paln tapos downgrade na lng pwede kong gawin. Pero hindi ako umalis at pinilit ko silang ibalik sakin yung down payment ko. Pwede kaya sa head office tumawag at sa kanila ipasa yung letter of cancelation? Mga sinungaling kasi ang tao sa branches nila. Kung umuulan lang apoy kada isang kasinungalingan na lumalabas sa bibig nila sobrang inabo na mga tao dun. Update lang yung 2,200 hindi pa din narerefund sakin..

  73. Ann says:

    To Dezeri..
    No offense..You could not blame them why they all saying those bad words.. We have diffrent ways of expressing our own feelings and thoughts.. I believe this blog is open to everyone to leave their own opinions and comments like yours. Your definetly right in saying that walang maloloko if walang magpapaloko.. but u cannot tell sometimes when and where people cheating you as some of them were professionally train in cheating.. They just have said that because of anger. Money is involve here and its to diffucult to earn for a living. So i believe you are the one who is nuts and not using the brain. Sorry for the term.. Waht can you say GUYS??

  74. Ann says:

    To: Dezerie & Dolores
    Better to help those people who were victimized rather that saying those comments. Your worst compared to them.. As it’s normal to say some bad words when your mad.. It’s part of being normal here on earth. Hundreds of people were victimized using PPLIC unethical marketing strategy. So this means that they are really good on this. Congrats! Job well done. but time will come for their FINALE.. And you are lucky as you are not one of them.. So lahat ng naloko is BOBO??? at ikaw hindi?? yabang..

  75. Mi says:

    hhuhuhuhu… good thing I googled “Philippine Prudential Life scam”


  76. Mi says:

    Question: as long as I didn’t actually go there and provide a credit card number, they can’t start charging me right?

    btw, you can add these numbers to the list 09178222132, 09178732151

  77. ian says:

    gud pm, cno ba makakatulong s kin dito, gusto ko ng ipa cancel ang plan ko dito, tama nga ang basa ko sasabihin syo na i try daw nila kung ma aaprove ako pinilit nila akong ipa swipe talaga yugn card at pinagtulungan ako ng 3 girl…. 33600 din ang nawala sa akin at pinagawayan pa namin ng wife ko ito… anyone can help … if u want i can call u now…. post ur number here… tnx

  78. jaybee says:

    Gud pm. sad to say I am also one of the victims of Phil. Prudential and it happened just last night. Sumakit ang ulo ko and hindi ako nakatulog after reading the provisions pagdating sa bahay kasi lahat nga mga sinabi nila e iba sa nakalagay sa insurance clause. Ayaw ko talaga sana nong una kasi nga naman I don’t have enough income para don. Kaso lang ayaw nila akong pakawalan. E malapit nang mag close ang mall . ang sabi nila ita try lang lang if my credit card company would approve me. E yun pala swipe na kaagad ang credit card. They are all liars!!! Gusto ko mang magalit at magmura sa kanila hindi ko na ginawa kasi may pinag-aralan din naman ako kahit paano. Sabi ko cge na lang para na lang sa future ng mga anak ko But not until I read your comments. Ang galing talaga nilang mambola! Congrats to all of them and condolence sa ating mga biktima nila.

  79. Ed says:

    hey Jaybee, wag naman condolence sa atin.pera lang yan. baka sa kanila condolence kasi nag pauna na tayo ng abuloy. May awa ang diyos sa ating naloloko. Pagtiyagaan mo lang ang proseso, iggrant ka rin nila.

  80. She says:

    Alam mo Jaybee, gumawa ka ng cancellation letter addressed to President ng prudential at maki usap ka na icancel na nila ang iyong policy. Actually, ngayon ko lang natangap na naibalik na ng prudential ang 24k ko sa credit card account ko. Cancelled na rin ang finance charges sa akin ng bank.May awa ang Diyos.Kailangan lang talaga na makiusap kayo. Wag daanin sa init ng ulo. Mababait naman sila.

  81. amir says:

    @she…heard na 45days bago maibalik ang refund, totoo ba?Grabe naman sana inilaan ko na lang sa ibang bagay baka tumubo pa pera ko! Swerte nman nila pina roroll pera natin para may pambayad sa sweldo ng empleyado at rent sa SM. Magaling sila mag business walang kahirap hirap sa puhunan o capital.

  82. Ann says:

    to all new victims. visit this site.. This might help.. ..dont worry ,makuha nyo rin yan. Basta ayusin nyo agad and follow the steps. Also, visit this site. Look for emails wherein you can send your complaint. This is the higher commission for all the insurance companies in the Phil.

  83. ian says:

    sir/mam, papaanong diskarte po ang ginawa nyo at naibalik ang pera ninyo?
    gusto ko na rin ksi ipa cancel ito at hindi rin ako nakatulog ng gabing yun nung time na na swipe na yung atm ko, at pinagawayan pa namin ng misis ko… help help help nman… sa SM north annex din ito nangyari s kin… tnx

  84. Eli says:

    hi ian. give me your email add & i’ll tell you how. It might help u.

  85. Eli says:

    Hi all,
    You can email / fax your complaint and request for cancellation to the below.
    tested ko na. Mas mabilis ang action.
    1071 United Nations Ave.,
    Ermita Manila, Philippines
    Tele/Fax (+632) 5238461-70
    E-Mail: [email protected];[email protected] Hope this might help you.

  86. jayson says:

    they were really FORCING me to lend them my atm card to check if i can take advantage of their offer. i said NO. even the manager told alot of things to try to persuade me.andami na nilang namimilit sa akin. i refused to listen in any of their rebuttals.its a good thing that the manager is stupid that accidentally, he was able to tell me that “may money back naman”, kaya naconfirm ko na tama talaga hinala ko na sa simula palang ichacharge na nila ako agad. nung una ayaw pa nila aminin na ganun talaga. they even told me na maawa na daw ako sa buntis na agent na kumausap sa akin, pumayag na daw ako para di siya mawalan ng trabaho. pasensiya sila, i dont vie sob stories. in the end, dahil mga 2 hours na nila ako pinipilit, sumuko na rin yung mga loko. umuwi ako ng may libreng tumbler at hindi nila ako naloko. thank God. i hope those of you have become victims will get justice. di makatarungan yung ginagawa nila

  87. ian says:

    sa mga naloko ng PPL , im planning to close my account bukas, sinong gustong sumama pra sabay sabay na tayo at ng di na sila makapag paliwanag pa, ang balak ko pag open pa lang ng mall bukas at habang wala pa silang naloloko pa ay dun ako pupunta umagang umaga siguro mga around 10am ksi 10am ata ang open ng mall
    sabay sabay na tayo full force… bring your cancellation letter & all the papers na galing sa kanila… tnx

  88. She says:

    Hi Ian, actually hindi 30-45 days ang cancellation period. Last Nov 6 lang nila nacancelled ang sa akin pero nung tawagan ko ang credit card company ko ay ibinalik na pala ng prudential ang 36k at fianance charges.. please call or fax to Jenny Santamaria-costumer service officer 6376473- sa main office ng prudential.siya ang nagpapabilis ng transaction para makapag issue kaagad ng Memo ang prudential sa bank including the finance charges

  89. She says:

    Sa totoo lang, kailangan sa main office kayo mag padala ng cancellation letter at cc nyo ang SM north kasi mas maasikaso yan at pansinin doon. Sa sm north, idelay lang nila request nyo for cancellation. makipagusap kayo kay Jenny at Carla.walang magawa ang PPL branch kung may order galing ng main office.

  90. ian says:

    tnx She, balak ko ksi pumunta bukas or sa Sunday pra mapa close yung acct….
    tnx ulit

  91. She says:

    Kahit po ako noon ay hindi rin nakakatulog dahil sa malaking pera na mawawala sa akin. Kailangan lang talaga na ifollow up parati sa main office, kung pwede lang araw araw paki usapan si carla at jenny.Pagsabihin nila 35-40 days ang proseso, araw araw pa rin ang follow up.kailangan pa rin silang kulitin in a nice way o magandang paki usap.

  92. She says:

    Kung maari lang, ngayon o bukas mo na gawin ang cancellation letter at address sa President ng Prudential.

  93. ian says:

    tnx mam, natawagan ko na si Carla at mag fax na lang daw ako ng letter sa kanya at ilagay ko daw lahat ng complain ko at tutulungan daw nya ako maayos yun khit di na ako pumunta ng SM North

  94. Rodel says:

    ngayon ko lang to nabasa comments nyo guys, isa n pla ako sa mga na scam, tnx at natagpuan ko tong site nato, Sna guys matulungan nyo rin ako kung pano ang steps pra macancell yong plan ko sa PPLIC, mam she pls help me tnx, bro ian punta ka ba sa SM North bukas?

  95. Eli says:

    hi Rodel,

    Just prepare your cancellation letter & complaint and send it via fax and email to:
    3/F Suite 305-308 AIC Burgundy Empire Tower
    ADB Avenue Cor. Garnet St. and Sapphire Rd., Ortigas Center
    Pasig City, Philippines
    Tel. No. (632) 638-8163; 631-2028; 634-5294; 635-5126; 636-3645
    Fax No. 631-3228

    [email protected] – MS. GENIE STA MARIA
    [email protected] – Ms. Carla

    They are nice and they should be.. Then, follow up mo lagi..
    File ka na rin ng dispute form for the bank.
    once nakuha mo na ung CANCELLATION from INCEPTION from PPLIC
    forward mo yan sa bnk mo para mabawi mo rin ung interest charge. I hope this might help you.

  96. Eli says:

    hi Rodel,

    Just prepare your cancellation letter & complaint and send it via fax and email to:
    3/F Suite 305-308 AIC Burgundy Empire Tower
    ADB Avenue Cor. Garnet St. and Sapphire Rd., Ortigas Center
    Pasig City, Philippines
    Tel. No. (632) 638-8163; 631-2028; 634-5294; 635-5126; 636-3645
    Fax No. 631-3228

    giniestamaria@ – MS. GENIE STA MARIA
    cnorada@ – Ms. Carla

    They are nice and they should be.. Then, follow up mo lagi..
    File ka na rin ng dispute form for the bank.
    once nakuha mo na ung CANCELLATION from INCEPTION from PPLIC
    forward mo yan sa bnk mo para mabawi mo rin ung interest charge. I hope this might help you.

  97. rose says:

    hey! im one of you, tomorrow early in the morning 10am ill be there sa sm north annex to file my cancellation letter!!! waaaah!wala pang 24hrs, kanina lang around 9pm ako naloko ng PPL na yan

  98. rose says:

    merun po bang pupunta ngayun sa PPL sm north annex? im about to go there, pwede nyo po ako itext (09291989944) para sabay tau to complaint… whew! Our God is faithful kaya alam ko di nya hahayaan na walang mangyari sa lakad na ‘to…
    Godbless sa atin…

  99. Glen says:

    nakakuha rin ako ng endowment plan. Magaling talaga sila sa sales talk at na train ng mabuti. Gusto ko ang plan dahil sa “savings” ang priority nila.

    Meron lang akong tanong about this savings they are offering.. Is our money safe with them or protected by local government?

    Sana may protection sila sa mga endowment plan or saving plans.

  100. ianhi rose, ngayun sana ang punta ko pero di ako matutuloy says:

    hi rose, ngayun sana ang punta ko kya lang di ako matutuloy..
    try ko na lang bukas or next week…
    rose kung ano man result ng lakad mo ay i publish mo dito para makakuha ng tip ang iba pa… good luck

  101. Glen says:

    sino ba dito meron idea about sa endowment plan? protektado ba tayo dito o hindi?

  102. Eli says:

    PPLIC is a legitimate company but they are doing unethical marketing strategy. Protektado talaga tayo sa plan. But why we would waste our time and money for this, ‘coz sa umpisa palang there’s something fishy.. for my own opinion, if you really want an insurance, look for the other company as equal or better than them..

  103. Eli says:

    PPLIC is a well known insurance company anywhere, but b’coz of this marketing strategy they are also starting to become a very well known ins. co. in cheating.

  104. Eli says:

    Prudential is a well known insurance company anywhere, but b’coz of this marketing strategy they are also starting to become a very well known ins. co. in cheating.

  105. Rodel says:

    Gudpm! tama kadyan sir eli, hindi talaga maganda ang marketing strategy nila, tnx po sa advice, pero sir wla po akong idea pano gawin ung body ng letter, tsaka hindi po ako gaano kgaling sa english, sana po sir matulungan nyo po ako sa paggawa ng letter ng pag cancel…Godbless you sinbihan ko narin mga kaibigan ko na magingat sila lalo na kung pupunta sila ng SM North…Salamt ng Madami.

  106. sai says:

    Shit nabiktima ako kahapon sa sm mega,na swipe na ung card ko..pano ko marefund yung pera ko?Pls. need help

  107. sai says:

    pls need help

  108. amir says:

    @ Rodel & Sai
    Eto po yung letter para may masundan kayong guide, yung dispute letter form download nyo sa credit card company nyo kung citibank just go to

    November 21, 2009

    PHILIPPINE Prudential Life
    Insurance Company, Inc.
    Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
    EDB Avenue corner Garnet & Sapphire Roads,
    Ortigas Center, Pasig City

    RE: Cancellation of Insurance Policy # PPLxxxxxx

    To Whom It May Concern;

    Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.

    Your Name
    Address & Signature

  109. Eli says:

    To Rodel and any1 outder..
    follow the letter that Amir did. Very straight, add mo na lang din na you want to refund the full amount that has been charge to your account.

  110. rose says:

    wag po kayo mawalan ng pag-asa. ako kasi wala pang 24hrs eh napuntahan ko sya agad, ayun kanina naging successful yung lakad ko. kinancel nila yung plan ko sakanila, pero before yun ang dami dami nilang tatanungin. the best way is to ignore everything what they say.. magaling silang magconvince, be smart lang sa pagsagot, show to them na hindi ka nila maloloko.. ayun, yung kagaya nung letter of cancellation jan yung binigay ko sakanya, magprint nakayo bago pumunta para ready agad. tapos pa counter sign nyu yung letter. then after nun nagpunta ako sa bank ko, ayun ifoforward ko sakanila yung letter of dispute at letter of cancellation confirmed by PPL, tapos yung bank ko nadaw ang bahala. sabi kasi sakin sa PPL 30-45 days daw processing, bago nila maibalik yung pera nakuha sa cc. basta mahalaga makipagcoordinate kau sa bank nyu, at may hawak kayong letter of cancellation. inassure naman ako ng bank ko na maganda sa letter of dipute ko i-state ko nadin na charge-back yung pera nakuha sakin w/in 75days,, ayun, babalik balik padin ako dun sa PPL to follow up,, Godbless us guys! ang sabi pala sakin, refundable naman yung money kaya ayun.

  111. rose TO IAN says:

    hi ian, kelan kpaba kumuha ng plan sa PPL?
    sa sm north annex ka din dba? mas maganda personal ka pumunta dun para ma-assure mu na aasikasuhin nila yung request mo for cancellation. tatanung lang naman nila reason mu bakit ayaw mu na. wag mu na pagtagalin, puntahan mu na agad…
    ok naman cla kausap eh, basta wag ka papaintimidate sakanila… medyo matapang pero nice ka makipagusap dapat… Godbless sau, wag ka magalala makukuha mu din yun, basta asikasuhin mu na agad..

  112. rose TO ELI says:

    hi eli, 30-45 days din ba yung sinabi sayo ng PPL na processing days bago marefund yung amount na nacharge sa cc mu?
    salamat po.

  113. eli says:

    hi rose,
    yes 30-45 days. n approve for cancellation ugn request ko on nov 5. and i have to wait 5-7 more days para makita ko sa statement ko na totally charge back n s cc ko. will keep u posted. other says, less than 30 days lang.

  114. Astroboy says:

    Oh my God! i was at the SM Megamall kanina lang, same exact “power sales talk” from the rep and the manager. the first rep sabi 45 minutes lang daw pero ilang oras inabot, long story short, check daw muna nila yung CC ko kung payagan ng bank, etc… di talaga ako pumayag, sabi ko pag iisipan ko muna. sabi nila duda daw ba ako sa company, issue ba ang money, etc. sabi ko hindi issue ang money at wala akong duda sa company, I know the company is LEGIT. I just need to think about it first. ang lagi nilang banat pwede mo nmn pag-isipan pero check muna daw yung card kung ma-approve ng bank at one day lang daw valid, kung hindi maaprove, wala sila magagawa. dun pa lang ako may hint na ko na parang scam to ah. ang ganda sana nung plan kaya lang why do they have to do it that way? why can’t they wait until I have decided, at least mapag isipan ko man lang? dahil makulit talaga (this time dalawa na sila), kahit LOWEST amount na lang muna daw tapos pag isispan ko after. medyo naiinis na ko kasi gusto ko na rin umalis, sabi ko I have to think about it first BEFORE YOU CHECK my card and if it is only valid for one day, sorry for me, maybe I just need to look at some other options. what’s worse is parang galit pa sila at walang napuntahan ang sales talk nila. anyways, buti na lang pala di ako pumayag kanina re: the “verification of the card” thing. THANK GOD! I could have been charged Php 96,000.00.

  115. rose TO ELI says:

    hi eli, kelangan ko paba ng SOA? kasi merun ako letter of cancellation at dispute letter to be forwarded to my bank, nid pba ng SOA na may nakalagay daw na sa status field nya eh “cancelled upon inception”?
    tnx so much.

  116. ian says:

    hi rose, tnx sa info….
    iniisip ko nga kung anong magandang gawin kung pupunta ba ako sa SM annex or i fax ko na lang yung letter for cancellation sa main office nila , ilang letter ba ang dala mo?
    maliban sa letter for cancellation may ibang letter ka pa bang dala?

  117. ian says:

    naisahan ako ng PPL last Oct 29

  118. rose TO IAN says:

    ian mas maganda kung personal kang humarap sakanila at pumunta ka ka talaga dun sa sm north. agahan mu,, pero darating pa yung customer service rep. nla mga 1pm. they are nice naman, at iaaccomodate ka nila. maging nice ka lang sa pakikipagusap, ask lang nila reasons mu bakit ka magpapacancel, sa akin kasi 3 ang kumausap. tlgang pinipilit ako na sayang naman daw. takot cla sa lawsuits, saka ayaw din nila masira yung name nila. may dala ko 2 original letter of cancellation lang, tapos may countersign nila. after mu dun, ifax mu yung letter of cancellation mo confirmed by PPL ska letter of dispute sa CC company mo pati pala yung SOA na nakalagay “cancelled upon inception” para alam nila na cancelled na ang transaction at hindi kna mkakareceive ng mga bills. ako magrerequest plang ng SOA bukas. sa mga ibang blogs na nabasa ko, naibalik naman yung mga nacharge sa CC nila. kaya wag tayong mabahala, basta take time na mapuntahan mu talaga cla. God will make a way 4 us.

  119. Eli says:

    To Rose & IAN.
    you need to get the SOA with status Cancelled from Inception. Once you have it, forward immediately to your bank. Mas maganda talaga pag punta ka personally. but case to case basis din. For example wala pang 24hrs ung subscription mo, madaling makuha ung SOA- cancellation from Inception but if medyo matagal na, I would suggest that you have to visit head office personally. Fax first your letter then visit them. para pag punta mo may i follow up ka na nag fax ka nag cancellation letter. Kasi sa case ko, twice lang nagpunta representative ko to SM north as they cannot give me what I have wanted. panay na tawag ko, dami ko nang nagastos na overseas calls to follow up my case. So we decided to visit the head office personally and finally na cancel naman.

  120. rose TO ELI says:

    hi eli,
    tnx for the info..
    nga po pala, panu ba yung format ng letter of dispute?
    anu yung content ng letter?
    can you give me a sample dispute letter?
    tnx so much! Godbless..

  121. Eli says:

    HI rose,

    Lagay mo lng ugn transaction detail n i report mo for dispute. i.e.. transaction date.. merchant name ata yun then ung amount… then reason why mo nireport for dispute. may mga option dun. only that… kasi sakin nasa ibang bansa ko ngaun, hiningi rin ng bank ko ung letter or complaint ko…

  122. rose TO ELI says:

    pwede po ba pa-mail sakin ng sample ng dispute letter? ([email protected])
    i have no any idea how to do it, may nadownload ako na form from my bank, pero yung mga option dun parang wala naman po dun yung need ko na ireport… please!
    bukas kasi punta ako ulit sa PPL to request for my SOA, para sabay2 ko na maforward sa bank yung mga documents needed…
    salamat ng marami…

  123. ian says:

    good am… finally na cancel ko kahapon yung PPL plan ko,
    buti na lang may SOA na rin ako na binigay nila nung time na nagpunta ako at naisahan ako … humingi na rin ako ng letter for confirmation na cancel na talaga yung plan, isa lang ang kumausap sa akin kahapon siguro hindi na rin sila nagtanong ng nagtanong kung bakit ko i cacancel ksi marami silang client yesterday, ang ginawa ko nga ay inilatag ko yung letter for cancellation ko sa table at bka nga mabasa ng ibang nsa table na katabi namin… waiting pa raw ako ng 30-45 days bago maibalik yung pera na swipe sa cc ko…
    tnx sa mga tulong nyo, pumunta na kyo kung saang branch kyo nag avail ng plan pra maayos agad.. tnx ulit

  124. jaybee says:

    She…sorry for the word na gnamit ko…dala lang ng sobrang init ng ulo. I went back to pplc last nov. 19. Same time nung dinala ako ng promo agent nila the night before. I am not feeling well that day but pinilit ko para lang ma i–hand in ko yung cancellation letter. pina fill up nila ako ng form and ask me why ipa-pancel ko. I said I was given a misleading information. Nung inisa-isa ko na ang mga reasons they were trying to disclaim it. hindi raw nila sinabi yon and they are very sure dahil lahat daw ng mga sinabi nila nka script. Ipinakita ko na rin ang dala2 kong print out ng mga negative comments from the internet. Actually medyo nagalit pa young sales manager nila nang kunin ko to sa isang couple na nkasabay kong mag file ng cancellation. hiniram kasi nila sa akin bago kami pumasok sa orientation room . Pero sila sa another encloed room pinapasok. cguro dahil mas malaki yong amount na involve sa kanila… mga 38,000+ yata…They threaten me pa nga na pwede daw akong kasuhan at makulong ng 46 years because ang gusto kong palabasin na niloko nila ako. Sabi ko nga, granting na hindi nyo ako niloko, still I want to cancel my policy. Sa sobrang galit ko at init ng ulo na hindi ko mailabas labas lalong sumama ang pakiramdam ko. Medyo sinigawan pa nga ako ng sales manager nila kasi from time to to time nakatingin ako sa paligid. Huwag daw cla ang tingnan ko kasi iba ang transaction nila. Sabi ko sa sales manager i-receive na lang ang cancellation letter ko because I wanted to go home dahil baka himatayin ako dun kasi nga naninikip na dibdib ko. Pero ayaw nyang tanggapin. aware daw ba ako na wala na akong makukuha pag pina cancel ko yon and magbabayad pa rin ako sa credit card co. ko despite of that….sabi ko k fine magbayad na kung magbayad basta i-receive nya lang yong letter. Pero ayaw talaga and nobody else daw would receive the letter dahil ayaw kong makinig. Nanginginig na ako and halos hindi na makapagsalita So sabi ko kung ayaw mo wala akong magagawa but I need to go. I fax ko na lang ang letter sa head office nu. hinabol pa niya ako hanggang sa labas dahil baka mawawalan daw sya ng trabaho…I said to myself buti nga kung mangyari yon pero hindi na ako nagpa awat sa kanya. So I faxed the letter na lang sa head office nila the next day. Gaano ba katagal bago cla magpadala ng confirmation? Hindi ba pwedeng mag file ng dispute kung wala yon?. Hay… Nov. 18 and 19 is a nightmare to me. Nag absent nga ako sa trabaho last friday sa sobrang sama na pakiramdam ko because of pplc. Ok lang sana kung marami akong pera but I am just a mere clerk and a breadwinner of my family who’s trying naman sana na makapag save para sa mga anak ko…

  125. She says:

    hi, Jaybee.Pakifollow up mo na alng parati kay ms. jenny o kay carla para mapabilis ang proseso. pero kailangan mo kasi maisurrender sa branch nila ang PPLC documents. pilitin mo sila na irecieve yon.

  126. -nnehj- says:

    hello guys! I was so shocked with what I have read with your blogs. I have availed one of their plans last October 10 and after that day I can’t stopped myself but to think if I have done the right thing. Until this time that I came up with the realization that my intuitions are correct that I shouldn’t have availed the plan. Guys, please help me on what to do. Is it possible that my cancellation would be approved though it had already took a span of time before I realize that I want it to be cancelled?Thank’s

  127. -nnehj- says:

    I was amazed with how they encourage us to save and for me, mas lalo akong nadala since I want my salary na may puntahan…since I’m still single and still young this is the perfect time. But if the money was not in good hands, better na mapunta na lang to other things than to think your’e saving but at the end…you have nothing… Better na sa Savings Account na lang tayo mag-save so if we need it urgently or badly we know where to get the money,not like this that we’re all in a situation that we we’re thinking that we have nothing at all…

  128. ciara to -NNEHJ says:

    hi nnhej,
    punta ka lang sa branch nila kung san ka kumuha ng plan,
    prepare ka ng cancellation letter, like this

    November 24, 2009

    PHILIPPINE Prudential Life
    Insurance Company, Inc.
    Suite 305-308, 3rd Floor, AIC Burgundy Empire Tower,
    EDB Avenue corner Garnet & Sapphire Roads,
    Ortigas Center, Pasig City

    RE: Cancellation of Insurance Policy # PPLxxxxxx

    To Whom It May Concern;

    Please take this letter as a formal request to cancel my insurance policy and stop all charges to my Citibank Visa Credit Card from your company. Please make this effective as of October 23, 2009. I also request written confirmation of this cancellation, as soon as possible.

    Your Name
    Address & Signature

    then, ask ka nila bakit mu pa-cancel.. be firm lang sa pagsagot, they are nice naman.. basta kahit anu sabihin nila wag ka nalang makikinig… after nun, pag-ok na hingi ka ng SOA, then iforward mu sa bank mo yung letter of cancellation confirmed by PPL, SOA and dispute letter… after that we 30-45days processing bago maibalik yung na-swipe sa cc mo. ako din til now waiting pa ma charge-back sa akin.. kaka-cancel ko lang nung 21 eh.. Godbless us all!

  129. ian says:

    jhenn – try mo gawa ka ng letter for cancellation, ang inilagay ko sa letter ko ay “halos 20 times akong sinabihan na walang babayaran pero ano ito halos malubog ako sa utang sa credit card ko” , isa pa, inilagay ko rin na sinabi nila sa akin na “check lang po natin kung ma approve kyo pero di nila sinabi sa akin na ma charge na pla ako sa credit card ” , nung mabasa nila yan wala na silang tinanong sa akin kung bakit ako mag cancel, humingi ako ng mga confirmation letter na cancel na pati SOA ko ay cancel na rin… then pina sign ko yung customer service officer then sabay alis, sabay fax sa CC company at follow up ko na lang ngayun

  130. GI says:

    To: Dezerie & Dolores


  131. She says:

    oo nga kasi nalulungkot at nagagalit na nga mga tao, yan pa ang sinasabi nyo halata naman talaga na PPLC kayo.tumahimik na lang kayo dezerie at dolores kung wala naman kayong maitulong kundi manloko

  132. goyo@boyok says:

    do you really know what insurance is all about? im not 1 of pplc but im 1 of there is good to those people knows how to those who are dumb about what insurance is all about better shut up!!!!!

  133. prettyfez says:

    you know i was invited to attend a presentation in SM, so far maayos naman ang naging experience ko doon although yes its true they will convince you at talaga namang matagal bago ka palabasin pero di ba tinatanong naman if happy kayo and satisfied tapos pag ayaw niyo talaga pwede naman nila i-cancel void ang transaction just like what happened to me. they cancelled the transaction on the spot kasi sabi ko nabigla lang ako. i just dont understand bakit kayo galit na galit wherein pwede naman kayo kasi magpakatotoo pag nasa loob pa kayo ng office nila hindi yung ok kayo sa loob tapos paglabas niyo kung anu-ano ang sinasabi niyo di ba sino ngayon ang nanloloko? magagalit kayo kasi kumuha kayo ng ino-offer nila pero di ba kung may isip kayo hindi kayo basta pipirma ng mga documents na hindi niyo naiintindihan tapos lalabas kayo pa ang inagrabyado. wala akong kinakampihan, kasi wala naman ako mapapala sa company na yan ang point ko lang magpakatotoo tayo kasi hindi naman mapa-process yung mg papel na yan kung hindi tayo pumayag di ba????????

  134. ches says:

    ofcourse! everybody knows what insurance is all about… what they are talking about here is the way how they are selling the product.. ” UNETHICAL MARKETING STRATEGY”..that’s it! My father is working with Prudential Life plan since I was a child and resigned from his duty coz he is 65 now. And its enough to serve PPLIC for that long period of time. He is also a plan holder and most of my relatives were PPLIC plan holder.. But this year 2000 onwards they are using this unethical marketing strategy which puts PPLIC in bad situation despite of being one of top insurance company in the phils. Some of the commentors of this blog has been posted their opinions wrongly bout PPLIC b’coz of what happend to them and better correct them nicely. So, you should be the one who better shut up and cover your mouth.. NUTS…..

  135. susie says:

    ang promo officer db ng explain naman ng maayos sa akin na ang promo ay libre saka totoo naman na bibigyan ka ng gift.. ang sa akin ay pillow hindi ako siningil… sa loob lang ay may presentation na bebentahan ka talaga ng insurance nila pero bago nila tatanungin ka naman kung ok sa yo ang insurance at kukuha ka ba… magaling talaga mg kumbinsi ang presentor tapos ng kumuha ako ay tinanong ako ng cashier kung makano ang kukuha sa credit card tapos pinirmahan ko na ang receipt ng credit card ko paka tapos ay pinalaro na nila ako.. hindi nga lang ako nanalo… yun ang na experience… umabot nga lang ng oras yung sabi nila na 45 mins presentation… i dont know if yun din ang naranasan nyo… hindi ako kumakampi sa kanila ha.. sinabi ko lang kung ano ngyari sa akin… pwede nama n yata na mag reklamo kayo sa mismong office nila… na invite kasi ako sa SM Cebu

  136. kiss says:

    hay bkit ba kau ngagalit sa pplc mas may mga masasamang ginagawa pa nga ung iba jan, mas scam, bagay na makakatulong nman sa inyo at d nman tlaga panluluko minamasama nyo, sabihin na nting magagaling lng tlaga mag convince pero u know what kung ayaw mo talga bat ka magpapapilit,. tinutulungan na nga kau magsave for your own nman, sbihin nyo pang manluluko, pano kau naloko? nakuha ang pera nyo? nalipat ba sa ibang tao? hindi nman dba? kumuha nga kau ng plano, pero kanino nkapangalan? sa ibang tao ba? sa inyo nman dba? pa scam scam pa kaung nalalaman, e d sana matagal ng hinuli at pinasara yang company na yan. hay mga tao talaga, di nyo kc naiintindihan kaya kau ngagalit….

    • Arpee says:

      i should reply to this one i think. i called it a scam because of the marketing strategies they have used to sell insurance. that’s what upset people, including me. if you read the whole post, i did mention that they should have just said outright that they were selling insurance, which i would have gladly bought because i was looking for some anyway. they never said that. instead, they made it look like a promo that will make you win a car and lots of money. THAT’S what made it a scam.

  137. She says:

    OO nga. scam nga talaga.andaming binibiktima. totoo naman talaga sabi pa nila, wala daw charges sa banko, yun pala anglaki pag hindi mo kaagad naibigay ang fullpayment ng initial deposit.

  138. unknown says:

    Arpee is definetly right. You’re (KISS) the one who cannot understand… read and understand the whole story of this my friend before you said anything…

  139. mkt says:

    is anyone there na nakapaghulog na for the past 3 months and nai-refund pa?please help us.

  140. amir says:

    para sa akin yan insurance na yan ay nababagay lang sa may extrang pera, mayayaman, gustong mag save at dun sa may paniniwala sa word na “insurance”. Ako, gustuhin ko man yan ay hindi talaga pwepwede dahil hindi swak sa budget kaya sana nung sinabi ko na di ako interested wag na sana mangulit. Piliin na lang nyo yung aalukin nyo siguro naman may iilan ilan pa namang gusto nang insurance tulad nina kiss, goyo at prettyfez.

  141. mie says:

    sa wakas nakuha ko na ang full amount refund ko ,thanks God makatulog na ako ng maayos, sa mga hindi pa nakuha huwag kayo mag urong sa pag follow sa main nila pag meron na kayong letter galing sa danvil na na cancell ng plan ninyo i fax kaagad sa main nila ang fax# 02-636-3645 hanapin lang ninyo si Ms Jenny Sta Maria mabait siyang kausapin tumulong siya sa inyo, siya ang mag po push sa acctg.nila para ma process kaagad ang refund or charge back sa inyo at tawagan lang ninyo yung bank ninyo mag fax kayo ng dispute form. God Bless…

  142. kat says:

    YUP this is terribly a scam! I was been patiently listening to that 45-min orientation that takes 2 hours ..Nagduda na ako nung i swiped na nila ung credit card ko i refused that then sabi ko baka mamaya nian bawas na ung account in chorus pa sila ngsalita dun na HINDE!!!they will just check lang daw kung active and points lang daw dun sa naginterview,besides bank to bank naman daw ang transaction.. so panatag ako binigay ko ang isang credit card ko na active pero with small amount and to make sure na hinde makakaltasan..very unethical ung nasa cashier tanungin ba naman ako magkano daw laman ng credit card ko sapat ba daw to open the initial account sabi ko HINDE! nagtinginan sila,and the other girl said baka may iba ka pa jan na credit card, even i have sinabi kong wala na..and i said akala ko ba active credit card lang ang wala sila magawa…kitang kita ang modus nila they wanted to withdraw from your credit card in that moment!…So dun sa nagsasabi na it was not a scam…PKI-ORIENT ANG MGA TAO NYO WAG NG MAGPALIGOY LIGOY KUNG NAGBEBENTA KAU NG INSURANCE TELL DIRECTLY IT WAS A YES OR A NO LANG NMAN SA MGA CLIENT WALA NG PALABOK NA INAABOT NG 2 HOURS! BIGYAN NYO LANG NG FORM ANG MGA TAO AND HAYAAN NYO MGISIP HINDE UNG ARAW LANG NA UN!YANG HONDA CITY AND $10,OOO PALABAS LANG NILA YAN!

  143. george says:

    I had the same experience. Gusto ko din makasave kaya ako nappayag magavail ng plan. I felt wrong after signing the policy. Cguro kc napakabilis kong ngdecide. Partly it was my fault kc pumayag din naman ako. I did some research, in good condition company nila and the product was ok din. But still even though ok company nila,still feeling ko, naloko ako. their market strategy is not ok. Sa hirap ng pera now, dapat isipin muna several times before gumasta…un ang di ko nagawa,ang magisip. When i got home, dun lang nagsink-in sakin nagawa ko.Then i read this blog, lalo ako natakot. 2 sleepless nights,grabe. What i did was i made a letter to cancel my policy. I was scared kc parang katakot magpacancel. Sa main office nila ko nagpunta, sa ortigas. In fairness to them, all went well. Manager ata nila nakausap ko. I explained my side calmly. They cancelled my policy agad. Pinirmahan agad ung letter of cancellation ko, ganun kabilis. Maybe mas ok if dun kayo direcho sa main office. Talk to them calmly, ganun kc ginawa ko. Im still waiting na macharge back sa cc naswipe. 30 days pa daw kc. I’m just praying na maging ok na tlaga lahat. Anyway i have a letter naman with their sign kaya mejo panatag na ko now.

  144. SHE says:

    Please tulong.
    nakarinig na po ba kayo ng Prudential Life Plan dito sa Cebu?
    Yong office po nila sa Keppel Bldg sa 14th floor..i think it is also a SCAM.
    Please help me get my money back.naka charge din po kasi sa ATM ko yong dapat sana i-save ko sa plan nila..
    Need you help please…
    maawa kayo..malaki yong perang nakuha sa wla na po akong trabaho ngayon..

  145. Brian says:

    pinacancel ko na policy ko bago mag december 1 kc ito ung first monthly premium ko wla din pambayad, tinanggap naman ung letter at pinirmahan, kaso wla na daw refund kc wla pang 1 year, wala akong magawa kasi hindi ko maafford, kaya pumayag nlang ako kaysa lalaki ang utang ko sa CC ko, pinakiusapan ko na nga na kailangan nmin pera ng asawa ko, pra sa kapangankan nya this april wla daw tlaga, binigyan ako ng SOA na Cancelled w/out Refund, may mgagawa pa ba ako na marefund un, Rose, ian, Eli, She at Jaybee? thanks guys

  146. glen says:

    hello guys,

    nag-email ako sa prudential life pero wala akong reply na tanggap sa kanila.
    they have 2 email address:

    [email protected]
    [email protected]

    gusto ko sana masagot nila ang tanong. what if something happen to the company? are they going to refund our savings? in what way they can assure that we get our money back?

    until now, im still waiting for there answer before I start paying on dec. 15. if no answer, i believe the company is starting to have problems.

  147. glen says:

    tinawagan ko kanina ang branch ng pplic. sabi daw secure daw ang money at mamabalik daw kung mayrun mangyari sa company nila.

    sabi nila ang documents ko daw ang patunay para maclaim ang savings ko. totoo ba toh?

  148. Mel says:

    Like my case, before ako i charge ng 1st monthly premium ko pina cancel ko na.. Na approve naman for cancellation at wala namang sinabing no refund as I really insist to cancel my plan. Na avail ko ung plan Sept 16 then nag file ako ng cancellation on the Oct 25. Within this week baka ma charge back na s CC ko ung amount..I try mong marefund full amount Brian.. Kailan ka ba nag avail ng plan from them?

  149. mai says:

    I gave up lastnight because they delayed me in their office for more than 2 hours even if I asked persmission to leave the office. Ayaw ka tagang pakawalan then same thing they made a transaction through my account at wala akong nagawa than to signed. Today I wrote a letter of cancellation sa main office sa Manila hoping my update bukas. Wla po ba kayong other way to cancell the policy agad at wag pagmunta sa branch office nila? I am from iloilo ayoko na pumunta sa branch office nila dito sa SM kasi they will only pour bad words and insult me why I filed a cancellation. Please do help me…

  150. inoj says:

    hayzzz.. gumawa pa ako ng problema ko nadengoy din ako ng scam na iyan. ayan tuloy galit na galit ang kapatid ko. fifile na rin ako ng “letter of cancellation ” tommorow. ayan tuloy hindi na ako makapag rport sa opisina today..

  151. cherven says:

    hi mel… i went to their head office with police pa nga pero alang ngyari hindi pa rin na cancel. my credit card was asking for cancellation from PMRC kc naka bill na daw yun sa akin. sobrang bastos pa nga kc lakas na ng voice ko sa galit then nilakas din nila ang sound system para siguro hindi marinig na iba.. upon reading this website i notice that mine is different, mostly prudential/denvil, mine is from benlife but the marketing group is PMRC.. please help… anyone?

  152. cherven says:

    mahirap kitain ang pera. i lost 22k just like that. please help naman guys.

  153. MEL says:

    To and fax your concern to:
    1071 United Nations Ave.,
    Ermita Manila, Philippines
    Tele/Fax (+632) 5238461-70
    E-Mail: [email protected];[email protected]
    Kasi ibang insurance company ka pala, but they are using the same strategy..Kasi base sa experience ko, naging mabilis ang action ng Prudential PLIC head office nung mag email ako sa higher commission which is the INSURANCE COMMISSION.. Less than two weeks nagkaroon na ko ng response from head office. Nag email sakin ang insurance commission and attached to that was the letter to PPLIC head office informing to grant my request for cancellation and refund. So, I hope this can help you.

  154. cel28 says:

    ;-( sad to say navictim din po ako sa PPLIC last Nov. 17 2009 sa SM pampanga, but the saddest thing is naipaswipe ko po ang debit card ko, :-( para po akong nahypnotized kasi sa sobrang bilis ng ginawa nila. Pero naipacancel ko rin po dat day, so akala ko maibabalik agad ang pera na nakuha sa akin, so bumalik po kame kinabukasan sa company naggawa [po me ng complain letter, sabi nila after 10 working days daw po ibabalik na, so tumawag po ako after 10 working days, nakausap ko c HENRY PUNZALAN sabi mga 1 week pa daw dahil on processing na daw…,;-( sana nga po maibalik ang pera ko, help naman po please ….. paki imbestigahan naman po kung totoo ang company na yun kasi madami pa clang malolokong tao…

  155. lhet says:

    to mai…u can go to their office at smct iloilo…it only took me less than 1 hour to cancel my plan…just be firm to ask for a letter of cancellation…please read my previous comment regarding how i got mine…GOD BLESS

  156. cel28 says:

    to lhet
    gudpm. ask ko lang po ilang days po ang sabi sa inyo bago ibalik?

  157. rani says:

    although kahapon pa ng gabi yung transaction ko… after 24 hours pa ng sink-in sa akin lahat ng ito… i was so freak out on my way home kanina… i even dropped my Cellphone twice. im going to cancel my insurance account definitely. haays! i know insurance is good but the way they do their marketing strategies were so insulting and degrading on their customer’s part.

  158. rose to rani says:

    hi rani, dont wori mbabalik din yung naswipe sa cc mo, basta puntahan mu nalang agad sa office, wag mu na pagtagalin…

  159. ellada8 says:

    wow, just this afternoonmuntik na kong mabiktima ng PPLIC na yan.. i was strolling near sm dept store in SM north Edsa when a gay named “happy” A.K.A “romnick” stop and ask me if which is better, mastercard or visa card.. then he offer me a free gift if just sign the paper and he keep on saying no money involved. tapos i get along then he told i have a chance to win a brand new car and USD 10,000 for the raffle ticket if i play a stupid touchscreen game. then he told me 45 minutes lang daw for all the process then i can go home na. then i finish filled up the forms and they ask me to sit down and be talk by another Gay named “sam” and assisting me is “JOLLY”.. they talk and talk non stop and almost lure me to swipe my credit card.. i dunno what happen but when they are about to swipe my card and the manager is telling me the process i suddenly stop them and tell them a big “NO” as in.. and i said wait i think i need to relax a little bit and think one more time.. then they sit me down again and try to convince me on anything telling me stupid things and tactics just to make you swipe your card and PHP 28,000.. i told sam i feel like your company is a scam and he answered that “omg, why you say that, we’ve been in the bussiness for 65 years, how come you’ll say that” then i had big feeling and make me stay for another 30minutes but they never had my “YES” at all.. i left the office and rush to my laptop just to find out this blog.. thank god i was noot victimized and i was able to escape that horrible scenario and regrets that i was about to gone through.. i learned my lesson and never again be push with those gays and beautiful cars.. haaizz..

  160. mie says:

    hello guys puntahan ninyo ang sm admin patulong kayo diyan, prepare lang ninyo yung reason bakit gustong mong icancel mo ang plan , tulongan ka nila at sana strong ka ha at ready yung letter of cancellation at magbigay ka ng copy sa sm admin ….

  161. tisay29 says:

    I got a call a while ago for the same stupid transaction..binola pa ko kasi yung boses ko daw parang 21 years old lang hahaha. Ayun, pinapapunta ako sa southmall and asked me to bring 2 valid id for a chance to win a car and $10,000. Nahalata ko agad na scam kasi pinadadala din sa kin cc ko. Sabi ko company and school dalhin ko identification lang naman di ba?? (anyway wla nmn talaga ako balak pumunta,hehe!) Then sabi di pwede kelangan yung isa credit card. Kahit super duda na ko, naisip ko magsearch and really so THANKFUL sa mga comments. Sana ma-stop na ang ganito and those guys leading all these scams go to HELL!!!

  162. mai says:

    Thank you so much for all the help, it help me a lot. Ms. Ginie called and she investigated me last wednesday and Ms. Carla called me again today and informed me that my policy s cancelled na daw. Though it is not 100% sure pa medyo happy na ako that my they acted my complaint right away. Ms. Carla told me that she will email the SOA with status cancelled on monday. Thank you again guys… Keep you posted of my status.

  163. snny says:

    mga sons of b**tches cla!!!!!!!! at malaking A**HOLE tlaga… kagagaling ko lang sa office nla sa sm city iloilo pra magpa-cancel, prang ako pa ang my kasalanan, bakit ko raw binigay ung cc ko? loko ba cla eh sabi skin hiramin lang at subukan if ma-approve ng cc company, then sa isang swipe lang swak kagad ung cash… But many thanks talaga sa mga post nyo d2, na file kna ang cancellation letter ko at my soa nko status cancelled from inception… update ko nlang if nkuha kna ung refund… tnx tlaga sa lahat at kay arpee…

  164. tin_tin says:

    good afternoon guys ako din po na victimized ng pesteng insurance company na yan kahapon lang..buti na lang nabasa mga side comments niyo na ganun sila magsalita na kala mo ikaw pa may kasalanan at bukas mag aabsent lang ako from work just to go in their office to cancel my account.ask ko lang po ano ang dapat kong gawin before ako pumunta sa office nila?do i need to go first to SM PAMPANGA ADMIN?matutulungan ba ako agad ng SM ADMIN kasi malaki ang nakaltas sa cc ko 15,800 malaki pong amount yun para saken kasi i have a daughter and i’m a single naman niyo po ako..any advice would be a great help guys..
    thanks in advance

  165. rose to tin_tin says:

    hi tin,
    no need pmunta sa SM ADMIN, wala naman sila alam dun..
    just go directly to PPLIC office, bring your cancellation letter… at hingi ka SOA…
    they are nice naman… Godbless! mababalik din yan…

  166. tin_tin says:

    thanks rose ngayon morning punta ko magsimula nung sunday two sleepless night na ako hindi makatulog kasi di basta basta yun yung 15,800 na kinaltas nila from my c.c. at ayaw ko magbayad ng ganon ganon lang kasi di madali kitain ang pera…update kita mamaya sana masettle na ‘to once and for all para akong na trauma sa nangyari..

  167. NOR says:

    Hi guys, help nman.. what if almost 4 months ka ng ng nka subscribe sa PPL, is there any chance na macancell pa un and get back your money.. ngaun ko lang kc nabasa e2ng blog na to eh.. my alam ba kayong instance n nkapag cancel pa.. hope you can help me.. many thanks

  168. nnehj says:

    hi guys! I went to SM North last NOv 25 para i-pacancel ang policy ko. Aun the guy with whom I talked always insisted that I can have it cancelled with no refund. Until now nag-follow up pa rin ako and it was still under evaluation pa daw. They are not consistent, the one I talked last time said na may makuha akong refund for a certain amount and then ngayon wala daw since more than 30 days na bago ko pa-cancel yung policy…Gosh! Is that true? paiba iba statements at xempre di ako papayag na walang refund. Guys, ano na bang steps dapat kong gawin? Thank’s

  169. nnehj says:

    hi ian– magkaiba yata tayo ng case since yung sakin I have already paid the first premium. Anyways, thank you sa info…:) Sana talaga ma-refund yun.. pang-birthday ko na sana yun…Basta follow up ko na lang everyday, pag wala pa din…I’ll bring my friend lawyer na talaga sa main office. I just want to settle it first myself lang muna talaga. Thank’s guys!

  170. Mel to NNEHJ says:

    In my case, I avail d policy Sept 16 then forward the cancellation on the oct 28 and requested to stop the monthly premium. My request for cancellation and refund has been approved and it’s been more than a month nung inform ko sila. So, I dont believe na no refund..

  171. Rads says:

    Hello guys, I’m also a victim of this bullshit insurance plan. Kakagaling ko lang sa office nila (Dec 8, 2009) sa SM Fairview 3rd Floor and submit my cancellation letter for that plan. Last Dec. 6, 2009 ako na-“convince” ng mga mala-anghel at may pagka hypnotizer nilang mga staff. Lahat ng mga experience ng mga blogger dito is same din sa akin. Sa awa ng dyos inacknowledge naman nila ng letter ko pero 30-45 days daw yung processing. On my part pina-block ko na yung credit card ko and bukas submit ako ng dispute form to hold any charges from my credit card. Dapat ma-“IMBESTIGADOR” or ma-“BITAG” na sila para matigil na yung mga panloloko nila…

  172. rose to everybody says:

    helo there! agree ako kay radsimize,
    dapat masiwalat na yung ginagawa nila, napakaunfair,panu na yung mga navictimized nila dati pa…

  173. CHris says:

    Nasa Iloilo na din ang mga lokong toh!!beware nasa SM ILOILO CITY sila at the lower ground floor!!!

  174. Paul Anthony says:

    Tips to cancel your account:
    — Be respectful to them when you requesting for a cancellation
    — control your temper
    — make a photocopy all documents that they have given to you also make a copy of your cancellation letter.
    — Bring all documents that they gave to because you will surrender it to them
    — If possible, bring friends or relatives as many as you can to avoid in bullying you inside their office
    — Make a strong decesion that you want to cancel your account
    — Lastly, expose this scam to public using media to avoid more victims

  175. Rads says:

    Gusto ko na i-report sa Imberstigador yung maling marketing strategy ng Philippine Prudential Life Insurance Company Inc. pero natatakot ako sa kadahilanang baka mapahiya lang ako dahil sa katangahan ko sa pagpirma ng mga dokumento na binigay sa akin na ayaw ko naman talaga. Napilitan lang ako dahil sa mga magaganda at matatamis nilang mga salita na makakatulong daw yun sa amin. Kawawa naman kasi yung mga magiging biktima nila. Please po sa mga nabiktima, may laban po ba tayo kung magrereklamo tayo gamit ang media. Magtulungan po tayo. pwede nyo po ako email sa isa kong account [email protected]

  176. riza says:

    Hi rads, i agree with you…i was a victim too last nov 18,na pa cancell ko na rin ung plan ko,pero wla pang advise from them kung na reverse na sa card ko..grabeh talaga cla, pano nila nacckmura na ung mga pinapakain nila sa family nila eh galing sa mga panloloko nila..gusto ko rin cla ipa imbestigador kaya lang super busy me ngaun..kakalungkot lang dami pa rin kc nila nabibiktima…open na rin cla sa iloilo and cebu….SM should not allow this kind of willing to testify in case..e-mail me @ [email protected]…thanks

  177. ENNA says:

    I hate going to SM Southmall because I see those vultures all the time calling your name asking if you have credit card. I feel stupid and gullible for falling into their trap. When I cancelled it they said there’s no way to get my money back and already it’s forfeited since I signed their contract. I want to get my money back jut like everybody else here. here’s my e-mail: [email protected].

  178. Rads says:

    Enna hingi ka ng advise kay Rash Rashid. ako napa-cancel ko na yung account sa kanila. Sir Rash Rashid salamat po sa advise. You can call him @ 799-21-37.

  179. mai says:

    Hi to all, I was forced to get the policy last Nov 30 and I filed a cancellation letter last December 1, 2009. I send a letter of cancellation addressed to the president, PPLCI Manila through email and fax, copy furnished the Insurance Commission and SEC. Main office responded kaagad after 2 days and they emailed me my SOA with status canceled last December 7. Put all your contact numbers/email address in your letter because if they received your letter they will call you. In my case they called twice, one during the investigation and second when they informed me that my policy was already canceled. They are nice at madaling kausap basta be sure to control your temper when you are talking to them. Now I am waiting for the result of my letter of dispute to my credit card.

  180. J says:

    For mai. After they emailed u the SOA, na send mo rin ba thru fax yung SOA mo at ang dispute letter mo sa iyong bank? Or hindi na kasi cla nlang ang magbigay ng memo sa bank mo? Please give me some info. Thanks

  181. S says:

    Kailangan pa bang ipadala yung SOA at dispute letter sa bank ko kasi ang sabi cla nlang daw ang mag transact kasi nga bank to bank transactions. Totoo ba ito?
    Please give me your advise. Thanks

  182. cel28 says:


    MAG EMAIL KA SA [email protected] gawa ka ng request to get your money back as soon as possible den sabhin mo ang reason kung bakit gusto mo mabalik ang pera mo. Cla ang tumulong sa kin kaya nabalik ang pera ko, Yung PPLIC sa Sm pampanga mga sinungaling cla, Hanggang ngayon hnd nila ako ini inform na nabalik na ang pera ko, mali pa ang mga bnigay na contact number, mga manloloko cla , makakarma din cla ang dami nila binibiktima. Pero last week pa naibalik dahil nag email ako sa [email protected]( MS GINNY)
    Goodluck po sa inyo.

  183. to S says:

    kelangan mo pa din ipadala sa bank ko, for supporting documents…

  184. S says:

    To CEL28
    Nang mkuha mo yung SOA mo from PPLIC, nag send kpa ba ng iyong dispute form at SOA sa company ng iyong bank? At totoo po ba na 30 – 45 yung sa iyo bago naibalik yung pera mo? Please me your answer. Thanks talaga in advance.

  185. eggie ann casero says:

    anyone here? may ngrant n b n cancellation from prudential?

  186. S says:

    To Eggie: OO mayron na. When ka nag avail ng iyong policy?

  187. keren says:

    Hi. Nagpasa ako ng cancellation letter yesterday Nov. 13, 2009. However, they said that hindi ko na marerefund ang pera due to the “30-day termination period” at i-elevate na lang ang petition ko for full refund sa management. Is there any way possible that i can get my money back? Huhu. Any information would be greatly appreciated. Thank you! T.T

  188. S says:

    To Keren: When ka nagpasa ng cancelleation? yesterday? Kasi Nov. ang nalagay mo pero when mo na avail ang policy mo? at saan?

  189. keren says:

    To S: I “availed” the policy last Nov. 6, 2009. Errata: Dec. 13, 2009 kahapon ako nagpasa ng cancellation letter. i’m from laguna pa kaya hindi ako madalas nakakapunta sa SM Megamall kung saan ako nagoyo. Hindi ri ako aware dun sa 30-da y termination period. Thanks for the prompt reply.

  190. Mel to Keren says:

    Hi.. you can get your money back.. I availed the plan Sept 16 then passed my cancellation letter on the Oct 28. and tehy approved it for cancellation & full refund. Email your concern to
    1071 United Nations Ave.,
    Ermita Manila, Philippines
    Tele/Fax (+632) 5238461-70
    E-Mail: [email protected];[email protected] Hope this might help you.

  191. mai says:

    To J: Yes they told me na sila nalng bahala sa bank pero nagsend ako personally ng copy of the letter of dispute together with the SOA status canceled to the bank through fax.

  192. george says:

    Sa mga magppacancel ng policy, i suggest na sa main office kau magpunta sa ortigas. Mas ok kausap mga staff dun. Just be firm with ur decision na u want to cancel ur policy. Talk to them calmly. Naibalik na sa kin ung naswipe last nov15. Ibabalik naman nila within 30 days. Makipagcoordinate na lang kayo sa bank nio. Make a dispute letter and hingi din kau letter from PPLIC stating na cancel na policy nio. Then send those letters to your account para mas mapabilis ang cancellation. Then lagi nio follow up sa bank nio if nacancel na nga.

  193. cindy_kiks says:

    grabe! hindi ko akalain na mangyayari din sa BF ko ito. It only happened last Saturday, December 12, 2009 sa SM Southmall. We were both invited to this orientation thing after offering us freebies and telling us that we have a chance to win a new car or $10,000! I really had a huge thought about it, that this is a scam. Pero, wala. nangyari na ang kinatakutan ko. At first, during the orientation eh talagang hindi na ako bilib dun sa kausap ko. Immediately after declining his offer, hindi na nya ako kinausap ng matino and pretended na may sinasabi sya sa akin. I told him, “ang galing naman ng strategy nyo!” he was teary-eyed na. Pinipilit pa rin nya ako kahit ung pang-student daw or yung medical insurance. Sabi ko, NO. I was worried about my BF who was being oriented sa medyo malayong table from us. feeling ko eh talagang pinaglayo kami.. I also reasoned out dun sa kausap ko na i need to consult this thing to my BF, kaso un BF ko naman ang bumigay. Nag-insist na ako sa kausap ko na gusto ko na lumabas. sabi ko pag di nya ako pinalabas magwawala ako. and then, he let me out. ayun, kaya pala matagal ang BF ko sa loob, naloko na sya. at tulad nyo nga, sabi nung kausap nya mag fill-up lang nung form at titingnan lang kung mattransact ung account. next thing eto na ung SoA. Nung lumabas ako, I tried calling him and texting him na uuwi na kami. kaso he kept on ignoring me. na-goyo na talaga sya. at super bad trip na ako talaga.. yes, we had a fight about it and saka lang nya na-realize ang ginawa nya. Nagalit talaga ako kase hindi ko din naisip that he would give in. Anyway, imbes na magsisihan eh inisip namin kung ano ang gagawin. first thing we did was, call the customer service. I already made a cancellation letter for my BF kase yun yung sabi ng nakausap nya and thank GOD, nakita ko ang site na ito. Thank you so much! We are off to SM Southmall on Wednesday, 16 December dala lahat ang dokumento at tips galing sa inyong lahat. Salamat talaga! Although 6K plus lang un na-credit sa BF ko, un fear na ma-continue ung charging talaga ang inaalala namin. sabi nga nya, okay na di mabalik un 6K plus basta maputol na. kase sabi nya he deserved it because of his stupidity (sorry for the term), pero inamin naman nya.. I hope wala ng maloko at magpapaloko.. yes, they do good marketing strategy, as in. pero not in a proper way. grabe talaga.
    btw, guys my BF’s cc is BDO. I just downloaded the dispute letter pero since this is my first time doing this, i don’t know what to put doon sa POSTING DATE. alam ko lang transaction date, un ung araw na nagoyo si BF ko.
    Again thanks guys. Sana maging successful ung pag-refund ninyo, including my BF. God bless po! thanks so much! :)

  194. S says:

    To Keren: This is my strongly advise for you. Make a letter and fax it to them.
    Tested ko na po ito. More than a month din yung sa akin. Basta go straight sa reason mo at makiusap ka din na approbahan yung cancellation letter mo. I hope makatulong ito sa iyo. Pra matigil na ito. Hindi pa naibalik yung pera ko. Atleast nag- aantay nlang ako.
    1071 United Nations Ave.,
    Ermita Manila, Philippines
    Tele/Fax (+632) 5238461-70
    E-Mail: [email protected];[email protected] Hope this might help you.

  195. gie says:

    @S .. Last october p un.. ang n debit s akin is 16,800.. s officemate ko is 44000..grabe nd me nakatulog that time… ang bilis ng mga pangyayari… pero s ngaun inaayos ko n cancellation… buti naopen ko tong site n to… hopefully maging ok n…
    guys.. s mga mgpapacancel sa Head Office kau punta or fax nu letter of cancellation (631-3228). Mas mabait mga tao don kesa s mga nasa mall…
    hay… GOD BLESS US ALL>>> nxt time… mag-ingat s mga decisions natin…

  196. jen says:

    nakausap ko si miss ginny… ngp fax sya ng cancellation d2 631-3228..
    mga ilang days kaya bago maayos to… huhuhu….

  197. george_girl says:

    to cindy_kiks : i suggest sa Ortigas ka dumirecho. Madali lang makita ung bldg. Likod lang ng robinson.
    Suite 305-308, 3rd Floor,
    AIC Burgundy Empire Tower,
    ADB Avenue corner Garnet & Sapphire Roads,
    Ortigas Center, Pasig City
    Yan ung address. Mas madali kausap staff jan. Madali mcancel policy basta wala pang 30 days mula ng nagawa ung transaction. Marrefund mo din ung naswipe na bf mo. Just be calm. Wag agad init ulo. Naibalik na sa kin ung naswipe. Un lang it took almost 30 days tlaga. Pero ang important naibalik. Dont forget humingi ng SOA sa kanila and letter na may pirma na cancel n nga ung policy. Then fax mo sa bank m. Btw, BDO din bank ko. They ask a letter of dispute tiaka letter of cancellation from pplic. Goodluck and advance merry xmas. =)

  198. keren says:

    To S: thanks so much! :) i hope we’ll all get our money back. here’s a link kung saan nafeature ang danvil/phil prudential life insurance:
    Best of luck to us! :)

  199. keren says:

    To Mel: thanks din! im so glad kasi nagwala na ako’t lahat sa branch nila sa sm megamall eh hindi na raw pwede marefund yung pera ko. God bless sa atin talaga! sana may groups na ganito sa facebook

  200. cindy_kiks says:

    @george_girl — Salamat! Opo, dun na nga kami pupunta ng BF ko bukas. I am not so familiar with Ortigas kase po taga-Laguna talaga kami. Hanapin na lang namin kung nasa likod lang ng Robinson. Wow, buti naman po nakuha nyo na. okay na ung 30 days kesa naman sa wala pong nangyari. Til now nga mainit ulo ko sa BF ko, di naman sya makareklamo sa akin. Sana maayos na po after tomorrow.

    Kanina tumawag na si BF ko sa BDO and he was advised to not to fax them anymore kase iinform naman daw ng PPLIC sila about dun. Pero I told my BF to still fax yung mga dapat i-fax sa bangko para sigurado. Ask ko lang po, what to put doon sa Posting date na nakalagay sa Dispute letter ng BDO tutal pareho pala kayo ng cc bank ni BF ko. Thanks so much in advanced! :)

    Balitaan ko po kayo agad kung ano mangyari bukas at sana hindi kami maligaw. LOL! Merry Christmas din po! :)

  201. Arpee says:

    just to brighten your day, i have a contest in my blog. click this link to win Nothing to buy, just answer a question. first comment wins a schutzen perpetual planner.

  202. cindy_kiks says:

    hello all! I just got home from Prudential Life’s main office sa Ortigas kanina and my BF was able to cancel his insurance plan in less than 30 minutes. Si Miss Carla yung humarap sa amin and the discussion was too brief, hindi na nagtanong kung bakit ipapa-cancel at sa lobby lang naganap ang lahat. hinintay lang namin yung SOA at letter of cancellation na ifa-faz sa bank. Tama ka george_girl, sa main office talaga pala dapat pumunta para mas mabilis, yun nga lang intay pa ng 30 working days bago mabalik yung na-credit.

    Salamat po sa inyong lahat. Sana po maging successful na din yung sa iba. Merry Christmas! :)

  203. S says:

    To cindy_kiks:
    Buti nlang yang 30 days kaysa wla talagang mkuha dba?
    We are so thankful kasi mabait talaga c GOD.
    Sana maging successful din yung cancellation ng iba. Merry Christmas!

  204. george_girl says:

    to cindy_kiks
    Ayan, makakatulog na kau ng mahimbing.hehe. Ako kc 2nyts tlga dilat kakaisip. Pati work ko affected. Tapos nabasa ko pa ung mga blogs dito na sobrang hirap magpacancel. Buti na lang naicipan kong sa ortigas dumirecho. Actually ok naman tlaga ung company nila, ok din product. Kaya din cguro ko napapayag pumirma. Tiaka gusto ko din naman tlaga magsave. Ang mali lang tlga sa kanla, ung market strategy nla.Kaya parang feeling nating lahat, naloko tau.
    About sa dispute letter, di ko maalala ung posting date. Para sure, call ka sa BDO, ask mo format. Then fax mo pa din sa BDO lahat pra kulitin nila ang pplic na icancel.
    Dont worry, ok na yan. wait ka na lang. WAg ka na din mainis sa bf mo. Tlaga lang na magaling magconvince tao dun kaya sia pumayag.Pinagaaralan nila un, pati ung pagsusulat ng baliktad.hehe. Baka ang nasa icp ng bf m dat tym is ung future nio. Basta moral lesson nating lahat, bago magdcide, icipin muna maraming beses lalo na if money ang concern.hehe. :) Cge po,advance Merry Xmas!!! :) GodBless!

  205. cindy_kiks says:

    To S — Oo nga po, 30 working days daw so aabutin pa ng January 2010. Okay na kesa sa wala. Grabe, akala ko papahirapan kami dun kanina.. I took a pic pa nga of their lobby and their Christmas tree para souvenir haha 😀 Opo, super thankful ako kay God kase pinag-pray ko talaga ito na malampasan agad namin. Lalu na at magpapasko. Merry Christmas S! :)

    To George_girl — ay opo makakatulog na talaga ako, lalu na si BF. Naawa din nga ako sa kanya kase worried sya sa cc nya at sa galit ko, hindi ko kase kinakausap ng ayos mula nung nangyari yun. May nakuha na akong format nung dispute form ayun nakalagay nga ay posting date, transaction date etc. pinatawag ko na BF ko dun tomorrow para magtanong sya hehe.. Hindi na po ako naiinis, okay na ulit. Siguro nga ganun ang naisip nya, yung future, kaya bigla sya napasubo. Talagang malaking lesson ito. Na-share ko na sa mga kamag-anak at friends ko na mahilig mag-mall… Merry Christmas ulit! :)

    Sana nga po magkaron tayo ng group sa Facebook para mas okay. Join po ako dun, promise! God bless po. Thanks po kay Arpee for posting this blog. Laki ng tulong mo sa amin.. :)

  206. gie says:

    hey guys… n grant n cancellation ko… (thanks God)
    and thank you so much arpee for this site…
    To those people n mgpapacancel ng insurance.. be nice when talking to them (employees from Head Office) be calm… wag mkipagtarayan… mababait mga employees s Head office unlike s mga nasa mall…(kainis sila)
    Good Luck Guys!!!!
    Thanks so much ARPEE ^.^

  207. Ed says:

    Naibalik na rin sa akin ang 24K at finance charges.nabawasan ang problema ko sa buhay. Maraming salamat Arpee. God Bless you and your family. Merry Christmas.

  208. nor says:

    Hi all, help nman.. what if 4months na ung policy mo?? my chance pa bang macancel un?? gusto ko na sana i withdraw un kahit small portion n lng makuha.. need ko na kc money.. hinayaan ko lng kc dahil wala na kong mgawa d ko agad nbasatong thread.. hope you cal help me..

  209. S says:

    To Ed: When naaprobahan yung cancellation mo? at when nila naibalik sayo? Ngayon lang? Kung ngayon lang e more than 30 days pala..tapos nag send ka rin ba ng iyong Statement of account sa bank mo? O pinaubaya mo nlang kay kanila? Thanks in advance.

  210. S says:

    To Ed: When naaprobahan yung cancellation mo? at when nila naibalik sayo? Ngayon lang? Kung ngayon lang e more than 30 days pala..tapos nag send ka rin ba ng iyong Statement of account sa bank mo? O pinaubaya mo nlang sa kanila? Thanks in advance.

  211. gie says:

    hey guys… may question pala me.. kc ung case ko is …september 5 2009 n debit ung 16,800 s credit card ko.. un ung initial premium and then october , november pati now dec 1610 n charge as subsequent premium n… so total is P21,630… can i refund full this amount? n ayos ko n kc cancellation ko.. wait ko n lang ung amount n maibalik s credit card ko… help me nmn… before pala may finance charge s credit card ko… dahil nga nd ko nbyaran ng full ung due amount ko… pwede ko rin b i appeal un n ibalik dn… (sorry guys kung mgulo explanation, pero bhala n kau umintindi.. HEHE)

  212. Ed says:

    To S:

    Last October 23 ano nag apply for cancellation. Naibalik sa akin ng November 16, 2009.Ifollow up mo lang parati kay carla o ginnie sa Prudential main offcie.

  213. S says:

    To Ed: Nag send ka rin ba ng iyong Statement of Account at dispute letter sa cc bank mo? Thanks in advance! Merry Christmas na rin sa iyo.

  214. rose to everybody says:

    thanx sa mga nagpost dito, na-charge na sa cc ko yung full amount…
    wala pang 30 days naibalik na xa,
    Godbless us all, i will pray for us all, sa mga hindi pa naayos, just have faith… nothing is impossible with God!
    Merry Christmas to all..

  215. nor says:

    Hi Gie,

    Would you able to get your money back or even a portion of it?? anyone in same situation with me.?

  216. Ed says:

    To S:
    oo,nagparecieved ako ng request for cancellation letter sa bank ko pero hindi na ako ako nagdala ng SOA.. nakiusap ako sa banko ko. sila ang nag ayos para mapabilis ang proseso. doon ka mismo pumunta sa banko mo.

  217. S says:

    Thank you for that information Ed. Have a joyous christmas to you! ^^

  218. gie says:

    @ nor
    yah, makukuha u pa pera u.. may charges nga lang sila 30% ng gross payments u… thats accdg to miss ginny of prudential costumer service… un dn sabi s kin.. pero try ko p rin n mkuha tlga ng full ung pera ko.. waiting n lng me n m charge back s credit card ko ung money… balitaan kita if naayos n..

  219. gie says:

    @ ed
    ask ko kung pano gnawa u para mbawi ung finance charges…
    laki n rin kc ng charges ng credit card ko dahil nd ko nbayaran ng full ung due amount ko…

  220. Hyphen says:

    hi poh, i had same experience poh kc kahapon nagpunta kami ng husband ko sa sm southmall taz same ngyari… sabi daw check daw poh cc then parang nagtaka nako kc kinaskas nila ung cc namin ng husband ko kahit umayaw kami, sabi for record purposes lang daw wala naman daw tatatak sa SOA ng cc… i thought, “talaga lang ha?!” pero confused na talaga ako. may pinapirmahan sila samin na acceptance to debit and charge na form, un nga sabi record purposes naman daw… naloko kami. if may mag reflect na transaction sa SOA namin next month ewan ko nalang… susumbong ko na talaga yan sa authority… dami ko nabasa today eh, dami na din pala naloko nila…

  221. Mel to HYpen says:

    Why to wait next month to see your cc statement. Check you na po agad para ma cancel mo na rin agad ung policy.

  222. Hyphen says:

    i just called today sa customer service ng credit cartd namin, medyo at ease nako. wala naman daw nagawang transaction nung chineck ng danvil at tinawag. hahay. pero naiinis parin ako sa danvil na yan! dami ko pang mga nabasa grabeh mga walang hiya talaga sila… in fairness galing nila magsalita as in you’ll fall with their tactics talaga at napabilib nila ako dun (kahit ba naloko din kami haha). ewan ko din ba bat pinapayagan ng mga malls mag rent sa kanila mga company na ganyan. kc in a fact nasa malls sila, iisipin ng tao maganda at mapagkakatiwalaan dba? dapat sa una palang, di na nila pinapaupa yang mga manggugulang na mga company na yan para walang nadadaya…

  223. A says:

    May kapareho ba na case dito sa akin? Na pa cancel ko na po yung sa akin pero hindi
    nlang ako nag send ng SOA at dispute kasi sabi sa akin hindi na raw kailangan.
    Pero nkabayad na po ako ng aking credit card bill this month pero hindi ko po na full payment. So, yung interest na kasama dun sa premiums na kinuha nila nasali na dun.
    Ngayon, may new bill na nmn ako yung interest nandoon pa rin kasi nga hindi ko nabyaran ng full. Nag hihintay pa kasi ako na maibalik nila yung pera ko..kung skali na maibalik na nila yung full amount..paano nlang yung mga interest na nabayaran ko? maibabalik pa din ba sa akin yun? E magbabayad na nmn ako ulit kasi hindi pa nila naibalik yung pera ko kasi nandoon pa din yung interest sa bill ko..yung sa mga nkakuha na ng knilang pera naibalik ba sa inyo pati yung na charge na interest? help nman oh~thanks talga in advance. Happy new Year!

  224. cel28 says:

    TO S sori late response….

    after po ibalik ang pera ko naginform lang ako sa kay ms ginny ([email protected]) hnd po totoo na after 30- 45 days ibabalik kasi after ko po magemail kay ms ginny kinabukasan naibalik na po pera ko… pero yung branch ng PPLIC SM pampanga until now d nila ako tinatawagan, d nila alam na naibalik na cguro ang pera ko. mga sinungaling kasi cla

  225. Daneal Adam says:

    Hi everyone. I’m glad i found out this blog. First of all, I am not filipino but my girlfriend is. She was also conned into signing up for this. I then found out they charged my mastercard 57,000P! My girlfriend will be going down to SM Pampanga to sort out the cancellation with them. It’s very difficult as I am in Singapore and i am not there to oversee this. Appreciate any advise on how i can reverse the charges. I have already called my bank to cancel the credit card so there won’t be any future transactions on it but now, i need to get my 57K back!
    HELP! ~ Daneal

  226. S says:

    Hi Daneal. It’s very easy to get your money. When was that happened?
    Is it new? She can still get it. She needs to go back to SM pampanga or send to Manila her cancellation. Their main office is in manila. So, it is easier to send it there. In her
    papers, there’s an address in manila and the fax number. She can still get her refund.
    Don’t delay. Better to do it as soon as possible.
    Just send more of your letter and I’ll help you more.
    Thanks for reading! Happy New Year!

  227. Daneal Adam says:

    @S: Thanks for your assurance :) They made the transaction on 22 Dec. She will go down to SM Pampanga either today or tomorrow to do the cancellation. I hope they won’t make it a hassle else she will have to make her way down to Manila which is a little inconvenient. Sigh..Starting the new year bad :(

  228. Daneal Adam says:

    Good news. My gf went down to SM Pampanga today and the people there asked her to write a cancellation letter. They asked her to come back on Monday to do the refund back to the credit card. Please advise if this is how things are done in PH?

  229. S says:

    @ Daneal. Yes, it’s good news! It’s true. That’s how things done in here. Surely, she can get her refund. See? It’s easy. I’m happy for you and to your girlfriend. :)

  230. Ann to S says:

    TNX S.. coz got confused.. coz I know ms gini’s email. so just thinking maybe something fishy again goin on.. now it’s clear..tnx once again.

  231. S says:

    @ Ann. You’re always welcome. God bless you!

  232. Ewan Ko. says:

    Honestly po, meron kasi tayong “proud effect or yabang” sa katawan kaya when people asked if we have credit card, we just proudly say ‘yes’. I am not sure why, but I also feel the same way sometimes. Maybe having credit card in the Philippine is a very big thing. Wala pong offence sa inyo. Eto yung, bitag ng mga manloloko kaya madali nila tayong masilo tulad ng PPLI na ito na wala yatang alam gawin kung hindi ang mamerwisyo ng mga taong namumuhay ng maayos.

    Muntik na rin ako, pero when I realized that the lady in the office was asking me to fill-up all information about me like my birthday and mother’s maiden name, nag duda na ako. Kaya, walang ni ha ni ho, nilayasan ko. Hinabol pa ako nung babae, sabi ko “hindi ako interesado”. Hindi kasi na-iswipe yung card ko at isa pa cancelled na yung card… ha ha ha! Mastercard Titanium kasi yung card ko kaya lumuwa ang mga mata ng mga manlolokong patay gutom, kala madaming laman. Bwahahaha! Naikwento ko sa frend after that incident, na nadali din pala ng 42K. :(

    Meron pong huling part yung form, Your Dreams: Answer ko sana ganito, sana umunlad na ang Piliinas at mawala at mamatay ang mga salot at demonyo sa lipunan na walang ibang alam gawin kung hindi ang manloko ng tao. Pero wala na ako chance dahil nilayasan ko na, sayang.

    Ingat po tayong lahat. Siguro pwedeng isumbong sa channel 2 or 7.

  233. seoj says:

    to all:
    i’m going to the ppl head office tomo at ortigas to cancel my IP
    hope it wud be easy as others said. it’s been 4 mos now but in some many reasons, i hardly make a payment for 2 mos dat wud result to past due status of my policy…ngaun ko lng xe nkta blog na to, dpat sana noon ko p npacancel..
    watch out if wat will b d result tomo..jeje

  234. Arn says:

    To S,
    I made a mistake signing up on Jan 6,(my birthday) and id like to cancel it immediately before my mom see my next bill (lagot). Can i jz drop by the main office to cancel it with my cancellation letter? or i need to call customer service first. Id like to settle this asap. please reply asap as well. thanks

  235. marvin says:

    hay na ko, napaka lupit ng mga taong ito na mahilig manloko, akala siguro nila madaling kitain ang pera na basta basta nalang nila kukunin, biktima din ako nito, madali lng ba talaga makuha yung pera na kinuha nila ?

  236. S says:

    To Arn,

    Yes, just go their office. taga manila ka ba? If so, then it is easy for u to go there.
    It is better to drop their office. Drop there and bring your cancellation letter.

  237. A says:

    To SHE:
    Alam mo sa Jan. 11 mag 31 days na talaga yung sa akin at hindi pa nila naibalik sa akin ang pera ko. Paano na to? nagyon na receive ko yung aking bill. E kay laki -laki parin ng interest kasi hindi ko nabayaran ng full yung card ko at included na yun ang amount ng money na kinuha nila sa akin. At magbabayad na nman ako next week, panu na yung mga interest charges? maibabalik din ba nila yun? Hay naku..nung nagpacancel ka she, nag submit ka ba ng Statement of Account? at dispute letter?
    Please she, I need your reply . Thanks

  238. Gigi Atam says:

    Hay naku isa rin kami sa mga biktima sa PPL na ito. Galing kami sa Leyte. Noong January 5, 2010 pumunta kaming mag asawa sa Cebu para sa renewal ng husband ko sa OWWA. Pagkatapos noon pumunta kami sa SM para nga bumili nga mga pasalubong kaya lang, nang pagpasok namin sa SM merong kaagad sumalunong sa amin na dahil sa kulay ng damit ko ay napili akong maglaro sa games nila para manalo nga $10,000 dollars tapos a brand new Honda City. Tinanong nila kami kung meron kaming ATM cards, credits cards at checking accounts para maqualified daw kaming maglaro. Sabi ko wala akong credits cards ATM card lang at yong asawa ko lang meron credits cards. Kaya binigyan kaagad kami nang raffle tickets kasi qualified kami sa promo nila. Tapos dinala kami sa third floor para daw i raffle yong tickets na yon at para sa orientation kung paano laruin yong tickets na yon for only 45 minutes. Pagdating doon ipanasa na naman kami sa ibang staff nila para sa orientation ng company nila. Sabi nila 46 years na raw ang operation ng company nila at tinanong nila sa amin kung narinig na ba raw amin ang company nila. Masarap silang magsalita kaya inabot kami ng almost 4 hours doon sa orientation nila. Magaling din silang magsulat ng baligtad. Kaya agad nilang tinatanong ang Mr ko kung kelan huling gamit ng credit niya at magkano ang laman. Parang na hypnotise nga kami doon kasi agad sinabi ng Mr ko ang laman ng dalawang credits cards niya at doon sabi nila pwede na raw kaming mag open ng savings sa kanila. At yong savings na yon ay makukuha namin after 15 years. Sa tingin nila sa alanganin kaming mag open ng savings kasi malaki nga ang hiningi nila initial deposits of 67,200 pesos. Kaya pinagtulong tulungan na kami nilang. Hanggang sa nadala kami na at sabi pa ng manager nila i che check raw nila ang ang credit ng husband ko kung qualified ba yong credit card na yon kasi Saudi Bank yon master credit card ng husband. Kaya pinasa ang asawa sa manager nila doon sa teller at agad sini swipe yong credit card na yon at nakakuha sila ng 67,200 initial deposit. Sabi pa nila yong susunod na hulugan is on Feb. 15, 2010 of 6,400 a month for 5 years to pay. after paying for 5 years ay mag wait kami ng another ten years para sa maturity period. at doon makukuha na raw namin ang 700,000.00 pesos na maturity value ng pera namin. Nawala na yong raffle tickets at yong $10,000 dollar na raffle draw nila. Kaya pag uwi namin sa bahay agad nag open ako ng internet at para i search ko ang PPL na ito. Kaya laking gulat ko na maraming pala nag nabiktima sa mga panloloko nila. Kampon talaga sila ni Satanas! 67,200 pesos ang pera makukuha sana nila kaya lang sabi ko sa mister ko na tawagan kaagad yong banko ng credit card niya sa Saudi at para ma i block yong card na yon at ipa cancel yong transaction. At pinadalhan kaagad namin ng fax ang bank doon na hindi ang mister na gumamit ng pera na kasi approve na doon kaya hindi pa na release ang pera kasi hinintay pa ng 24 hours at confirmation ng msiter na pwede kunin kaagad ang pera na yon. Kaya Mabuti talaga ang DIOS at binigyan NIYA kami ng direction at guidance paano namin mahold ang pera na yon. Praise God talaga. Na i block na yong master card ng mister ko.

  239. snny says:

    hello po sa lahat at ease nko ngayon ksi tanggap kna yong full refund ko. buti naman binalik nila ksi worry na tlaga ako tlagang 30 days bgo nabalik skin. ng file pla ako ng cancellation ko last dec 7 khapon lang nabalik skin ung refund. salamat tlaga sa lahat at ky arpee…

  240. espiritu says:

    wow..buti na lang i had this feeling na this is just a scam..a certain mark perez just called me up to tell me all those s**t..i have to research pa if this is really true..fortunate enough, you have this blogs people..i dont have to waste my time going to sm megamall..makakarma din yang ganyang mga klase ng tao kaya wala yang asenso..

  241. A says:

    To Snny:
    Good for you. Maitaning ko lang sa iyo, nakpagbayad ka na ba ng iyong bill sa credit card mo?
    Natapos yung mga interest na kasali sa amount na nkuha, kasali din yun sa total interest na nkalagay sa bill ko. Paano na yon? Maibabalik din ba yun ng banko?
    Answer naman Snny..I am so worried talaga.. masasayang yung almost 3k ko ng dahil lang sa amount na please.. Thanks

  242. A says:

    To Snny:
    Good for you. Maitanong ko lang sa iyo, nakpagbayad ka na ba ng iyong bill sa credit card mo?
    Tapos yung mga interest na kasali sa amount na nkuha nila, kasali din yun sa total interest na nkalagay sa bill natin diba? Paano na yon? Maibabalik din kaya yun ng banko?
    Answer naman Snny..I am so worried talaga.. masasayang yung almost 3k ko ng dahil lang sa amount na please.. Thanks

  243. seoj says:

    i went to ppl head office yesterday @ ortigas to cancel my policy and try to make a refund..but it didn’t go as planned since my policy lapsed for 4 they did give options on how i shud handle it..
    of course no refund, what i did now is downgraded it to 50%…
    itutuloy ko n lng, sayang ung money eh..
    i you want to cancel ur plans, make it as soon as possible..
    dont let it lapse for a month and u’ll b sorry..
    by the way, u should go to the main office to cancel it..
    genie said yesterday that no one, as of now, did go to their office to cancel their this true?

  244. snny says:

    nka auto debit ksi ung cc ko kya nadeduct kagad ung amount pero nabalik rin lahat, hindi ko lang alam ung sa interest ksi la pa interest skin eh. Mail ka lang lagi ky Ginny Santamaria follow-up mu lang. d na nga ko ngpadla ng dispute lettr sa bank. just be professional lang sa e mail mu ky ginny mabait naman at lagi ka nya update kng anu na blita sa cancellation mu. good luck na lang syo A

  245. gie says:

    @ seoj
    that’s not true n wala p ngpacancel ng insurance don (HO)…
    if u really want to cancel ur policy pwed p…
    ask for assistance s [email protected]
    s case ko kc is september ’09 p ung policy pero december n rin me ngpacancel…
    try to email ginny sta. maria and cc to [email protected]..
    grant n ung request ko to cancel my policy.. im just waiting para m credit back s cc ko ung pera.. accdg to ginny mga 30 days daw..

  246. Ambo says:

    Too bad these people need to use dirty marketing strategy to lure people. Nakakatakot ang kanilang strategy coz it looks like a fly by night company. Last Saturday, i was cornered by these people and brought me in their office. The agent said that it would only take 45 minutes pero inabot ako ng tatlong oras! Nung una free gift lang, tapos naging free raffle tapos hayun bentahan na. Sinabi ko nga sa kanila, ang laki ng company nyo at according to them 47 years na sila pero bakit that strategy ang ginagamit nila. Why not advertise on newspapers or tv or make a brochure to promote the products. Mukhang merong milagro ang company na to na dapat makita at masilip ng mga tao sa gobyerno or sa media.

    Hindi ako kumuha ng offer nila, sinabi ko interesado ako kaso di pa ngayon. Style ko lang para matigil na ang pangungulit pero hayun pati yung P2 per day inalok sa kin na P760 one time pay meron pala sila.

    Di ako kumuha at sinabi ko you wasted my time. Nainis ako puro kasinungalingan. Kaya this time guys let’s disseminate this information to our friends, family, sa facebook ipost nyo para malaman ng ibang tao.

    By the way, i wrote the same issue on my blog. I link this with your permission. Thanks.

  247. jen says:

    Hi everyOne!!

    Nakalulungkot dahil madami parin pala talaga ang nabibiktima ng grupo nila at pati sa province like Cebu at Ilolo ay umabot narin sila.Nakwento kuna before sa thread na to ang nangyari samin ng bf ko nung time na encounter namin ung ganyang problem.
    Para sa updates lang nabalik na sa credit card ng bf ko ung 24k na kimuha sa knya ng PPLIC(Sm North)umabot din ng less than 1 month bago nabalik sa knya included na rin ung interest ng bank.Thank’s God.

    Para sa mga bagong biktima nila please follow na lang the ff. steps:
    1.Prepare letter of cancellation gamitin nyo ung format ng letter na ginawa ni Mr. Rash Rasid.
    2. Make a copy ng lahat ng documents na binigay sa inyo ng PPLIC dahil pagdala nyo ng letter of cancelation sa branch ipapareceive nyo sa knila ung original copies ng policy nyo at lahat ng documents na pinirmahan nyo sa knila. Basta be sure na lahat ng documents may copy kau.
    3. Pag naihanda nyo na lhat punta na kau sa branch kong saan PPLIC kayo pumirma.Ibigay nyo ung letter of cancelation at ipareceive lahat ng copy ng documents sa knila kasama ung resibo ng transactions.
    4. Maghintay kayo na maayos nila ung cancelation ng policy nyo at kunin sa knila ung copy ng SOA ng may status na Cancelled na.
    5. Mag download ng dispute letter from your credit card at ifax agad sa knila . Ifax na rin ung SOA from PPLIC na may status na cancel na.
    6. Regular na ifollow sa customer service ng credit card nyo ung tungkol sa dispute letter na sinend nyo sa knila.

    I hope na makatulong ako…base sa experience namin yan lang ung mga procedure na ginawa namin.

  248. K says:

    To Jen,
    good for you. ako sobra na 1 month tapos magbabayd na namn ako ng pangalawang interest. Pag naibalik yun sa akin ibalik rin pala nila yung interest na nailagay nila doon from the amount na nkuha nila? Kasi sobra 2k rin yung interest doon eh..kaya nkapanghinayang nman jen if pati yun hindi na maibalik.. so 24k naibalik at yung interest na less than 1k dba naibalik na rin sa bf mo? Wow! naghihintay pa kasi ako hindi kasi ako nag bigay ng SOA at DISPUTE ka agad sa kanila kasi yun ang sabi nila..
    Anyway, cge..I’ll wait ur reply Jen..Thanks in advance ha? God bless u!

  249. jen says:

    Hi K!
    I’ve checked ung last billing ng cc ng bf ko bale ang transactions pala is 11/03/09 na charge ng PPLIC yung 24k tpos 11/11/09 nman naibalik na ung 24k sa knya kaya wala palang interest un.Sorry ha hindi ko lang sguro napansin un kc sobrang saya that time dahil naibalik na sa knya..ung nakita ko palang negative na amount is ung rebates pala ..hehehe sorry ha..i pray na maibalik na rin narin sa inyo..basta payo ko sayo gawin mo lang ung procedure na ginawa namin.importante ung dispute letter and SOA na maipadala mo sa cc company mo.

  250. camille says:

    hi can i ask for help on how to cancel my insurance sa prudential ASAP!

  251. camille says:

    i have sent a leter of cancellation today sana magreply

  252. gege sanches says:

    takutin nyo, pa medya no,….tyak ibabalik yong pira nyo,…na experience ko ra rin yan sa company na yan,…ewan ko bah bakit ang galing nila mag salestalk no,..parang may hiplotismo ang ginagawa nila,…tapos mong uminom ng tubig o icetea nila parang mawala ka na sa sarili at dika na makatangi,…pero talaga ipa medya nyo…sinubokan ko na nya at nakuka ko pira ko lahat, lalo na sa bago palang na recrute, basta pangit yong policy nila, mas mabuti pang e save mo money mo sa bank kahit konti lang yong tubo at least makuha mo pero sa kanila after a year pa kong e widraw mo, at take note kaltasan nila and pira nyo yong money nyo na inial diposite makuhaan ang almost 2000 lalo na pag dimo hinulogan, e explain lang nila yon kong member kana, pag dka pa member di nila sasabihin yon kasi ayaw nila na hindi ka papayag pag alam mo yon,…

  253. gege sanches says:

    grabe talaga ang experience ko dyan, alam nya naisip ko nalang bahala na yong na deposit ko na 6,650 na mawala basta maka ganti lang ako at makatulong sa inyo,…para wla na ma biktima nila, pero thanks God pumayag sila dahil narin sa blog na to ,naglakas loob ako pumunta ako lang mag-isa tinakot ko, inaaway ko talaga yong agent na nakaharap ko, pero alam nyo, nong una nirecrute pa nila ako ako, ang dami agent nag convince sakin para kumuha ako, pati yong manager lumapit kinuha yong ATM ko, supervisor, at chinichikachika kapa ng ibang agent kong baga friend na kayo ang ganda ng treatment nila sayo pag binintahan ka, lahat ng ma e offer nila sayo drinks bibigyan ka, pero kong mag widraw ka isa lang lalapit sayo pati yong sales agents hindi na lalapit sayo pati natin yong manager basta, isa o dalawa lang pagtulongan kang ma convince uli, yong firt kong mag widraw umiiyak ako, lahat ng reasoons binigay ko, natakot talaga ako,at umuwi ako luhaan , wlang nagyari, ang sakit ng damdamin ko sumikip dibdib ko, imagine pinaghirapan mo pira tapos ganoon malaman ko na kaltasan nila pira mo pag nag widraw ka, kong dka naman mag widraw at dmo mahulogan ang monthly kaltasan rin nla after 1 year pa,…dba di nila explain yon , yong ibininta pa nila yong insurance? malaman mo lang yong kong mag widraw ka,…on the 3rd time tapos ko mabasa mga blog dito naglakas luob ako,at yon tinanakot ko ng tudo inaway no, at wla na akong naramdamang takot, basta naisip ko nalang bahala na mawala pira ko basta mapa medya ko sila,…takot lang nila, dahil kong d sila pumayag talaga,matagal na alam ng buong mundo na namilit sila kahit ayaw ng tao,….

  254. Anne says:

    Nagavail din me ng Policy last Dec. 22, bibili lng sana me ng gift ng maligaw ako sa 5fth floor ng Sm megamall. Me lumapit saking agent kesyo maglalaro daw ako pra mukha yung car at me pot pa na $10.000 for the raffle if manalo ka. Di ko nman lubos akalain na insurance pala ibebenta sau. Inabot pako ng halos 3 hours sa kanila, ayaw nila akong palabasin at kung sino2 pa kakausap sayo para pumayag ka. Napressure talaga ako at ang sama ng pakiramdam ko. Na-late pako sa Xmas party at nagalit pa boss ko saken. Nag file ako ng cancellation this Jan 11 lang, pero di nila tinanggap at sinabi lagpas na daw sa policy viewing na 15 days.. Di ko alam gagawin ko para makuha pa yun, pandagdag ko pa nman yun pambayad ng lupa. Tulong naman guys.

  255. K says:

    Hi Ann!
    This is me. Huwag ka doon sa knila lumapit..e send u cancelleation letter mo sa main office. O di kaya pumunta ka doon mas mabait cla doon at Hanapin mo c Ms. Ginny at
    explain u lahat at gusto u ng icancel. O di kaya mag e-mail ka dito sa [email protected]..tiyak tutulungan u nila..Sila ang may hawak sa lahat ng Insurance..Sabihin mo na napilitan ka lang kasi ayaw ka nilang palabasin. Magkano ba ang binawas nila sa iyo? ako nga more than 30 days..napacancel ko sa iyo pa kaya? Basta follow this.. send u cancellation thru fax.. tingnan u ung policy mo may address cla doon sa manila main office.. Hope mkatulong ito sa iyo.. Good bless!

  256. tin_tin says:

    hello guyz thankz sa tips niyo nabalik na yung na charge saken ng ppl..ask ko lang po kung wala ng babayarang charges after siyang bumalik sa c.c. ko?kasi nag check ako sa c.c. bank ko at yung bill ko medyo malaki hindi yung ini expect kong bill..

  257. camille says:

    nagsend na ako kay miss ginie at ngreply na siya next week daw update nya. pero naka one year na ako eh. gusto ko na icancel!! sayang pera ko, pinapacancel n ng magulang ko. sana mabalik lahat ng money ko one year at ung unang binayad ko 16k un haaay!!

  258. giegs says:

    I was with my officemates last friday nang pumunta ako ng SM annex to pay my smart plan.While I’m walking somebody called me to offer a free bag, a cup and a pillow. So I stop by and then yung bading na yun nagchika chika na meron clang free honda na pinamimigay if manalo s raffle..tapos sbi nya it’s just for 45 minutes yung chika pero nung dinala nya ako s baba yung 45 minutes na yun almost magsara na ang SM. I don’t know really why I easily gave my credit card s kanila at pumirma ng contract..Binawas nila yung 14529 s cc ko at tinanong p ako kung meron akong atm.sabi ko atm lang yun ng comapny.Mabait ang mukha ng agent and he even shared his sad experience sa family nya..I really believed him Kc ang nasa isip ko it’s for my future rin na makasave since I’m still young and single..Nung umuwi na ako nd talaga ako makatulog s kaiisip sa ganuong insurance plan so the next morning nung pumunta ako ng office cnabi ko s ka officemate ko at tinuturing ko na rin na kapatid..nagulat sya s ganun pati ang manager namin at cnabi nya na puntahan namin para ipacancell ang contract and then binalikan namin.Nang dumating ako kinausap ako ni ALGEIR (agent ng PPLIC) na ok namn daw kmi last friday night na nag-usap bakit daw nag-iba yung desisyon ko. Sabi ko naman lahat ng tao may karapatang mag-iba ng isip. Pumasok ang officemate ko at kinausap cla na icancell na namin ang transaction pero nagmamatigas pa cla at cnabi na kung abogado ko ba ang officemate ko but then my friend is just really concerned with me during that time at ako kinakabahan na rin s mga pangyayari.To make the story short para makalabas ako s offie nila I agree to give them a benefit of the doubt kung ok nga comapny nila.Nagreport p kmi s Ofc ng mga security guard duon para ipaconfirm s knila na nd cla scammer at kung mapatunayan namin ibabalik nila ang pera ko..Cnabi pa nung manager (scar face) na kung illegal cla sya na mismo ang babalik ng pera ko galing s bulsa nya..But now that I have read all this comments..Kinabahan na ako..friday nila tinransact yung swiping ng gabi..immediate ba madededuct yun sa CC ko.?tinawagan ko na rin HSBC for this at nag-email baka sana nd pa naprocess ang documents for the debit s card…Pls. help..wala silang konsensya at takot sa Dyos kung ganito nga sila..

  259. jingjing says:

    huhuhu.. naloko na..
    i want my money back too.
    i signed under their plan yesterday
    help me

  260. jingjing says:

    sino ba pwede kong tawagan for help..

  261. jingjing says:

    where can i download the dispute thing….?

  262. T says:

    Maibabalik din ba nila yung interest na bibayaran ko sa cc company ko? please help.

  263. T says:

    Anyone na naibalik na sa knila yung pera nila. Pwede mag ask?Dba first bill na kasama na yung amount na nkuha nila ay magbabayad tayo noon. So, kasama na doon yung interest ng amount. Maibabalik rin ba yun in case na ma refund na sa iyo ang pera? kasi sa akin panagalawang bayad ko na ng interest kasi hindi ko nabayaran yung sa akin noon. Kaya patong2 na yun.. please help me nman oh~~`tnx

  264. giegs says:

    to jingjing

    mahirap kausapin yung sa sm north..nagalit na yung kasama ko nung saturday dahil ayaw icancell yung contract tapos cnabihan pa ako na pwede daw kasuhan dahil pumirma ako..yung parang me scar nagsabi.i’ll go to their main office tommorow dahil mas mabait daw doon..ang pangit ng strategy nila..if you want sabay tayo punta doon…here is my number (09287955087).aabsent ako bukas to settle this..

  265. mj says:

    Hello! I am also a victim of their “marketing strategy”. Anyway, I went to their SM Cebu Branch earlier to personally submit the documents and letter of cancellation and also to get the statement of account with status of “Cancelled from Inception”. A sales representative tried to change my mind about it but I directly said that I am already decided and it is my right as a consumer to cancel the policy if I want to. Surprisingly they approved my cancellation after that. It was not a long wait. Overall, it took me about an hour or so for everything to be settled. They gave me a statement of account with the status of Cancelled from Inception (CFI) and said about the 30-45 working days processing of refund. I was really wondering why they agreed with my request without so much fuss. Is that normal? Anyway, before that I emailed a cancellation letter and they gave me a confirmation that the letter was received and that it is already approved and that they are requesting me to submit the documents they gave me so that they can process the refund. What else do I need to do?

  266. K says:

    @ JEN
    So, only 8 days lang yung pag wait nyo ng refund? ang dali lang pala. Bakit yung sa iba umabot talaga ng 1 month or less than a month?
    Good for your bf..

  267. jingjing says:

    to geigs
    ngayon ko lang nabasa ung message mo.. maaga kasi pumunta sa sm north wing cebu. inaasekaso ko ung pag cancell my policy. and yeah.. it was cancelled already. i am worried kung kylan ibabalik ung money..huhuhu..

  268. Foolish me says:

    Hello, I was also victimized by these scammers!!! I’m so embarassed that I let them fool me so I didn’t tell anyone about it. They managed to charge P57,100 from my credit. The agent said that she was just going to check if my credit card is valid. But foolishly I punched in my PIN number and now the credit card company said they can’t do anything about it. They suggested that I deal with the company and try to get refunded by sending a cancellation letter and advising them not to charge my credit card anymore. I can then use the letter of cancellation as back up documentation to dispute any future charges. My mistake is that I agreed for them to mail my copy of the policy. It’s been 21 days and I have not received my policy so I don’t even have a policy number to include in my letter. I sent a cancellation letter anyway with explanation as to why I can’t provide a policy number just yet. They already have my money and I don’t think I’ll ever get it back. I tried sending another cancellation letter but the company took off the contact information from its website. BE WARNED: IF A FAST TALKING GUY ASKED YOU IF YOU HAVE A CREDIT CARD WHILE AT THE MALL. SAY NO!!! I HATE THOSE MANIPULATIVE BASTARDS!

  269. mj says:

    hi! i am also from cebu. What did they advise you for the number of processing days for a refund? 30-45 working days? What do we need to do after getting the statement of account? Do we need to mail our banks regarding the cancellation? im just worried because i was not able to do anything after getting sa SOA.

  270. Danny A says:

    Ha Ha Ha!!! Thanks a lot to this site. Katatangap ko lang ng tawag mula daw kay Jackie Pascual. Pinapapunta ako sa Megamall. Same m.o. ng mga naka-post dito. Buti na lang nag-search ako sa internet. Di na ko pupunta. Maghintay na lang sila ng ibang maloloko. Salamat sa admin ng blog na to.

  271. tin_tin says:

    to T
    mababalik yung na swipe sayo basta follow up mo parati status sa c.c. plus tawag ka sa main nila sa makati and look for sir paulines for assistance. but the first thing you will do is get make a cancellation letter signed by the manager kung san kang branch na niloko tapos hingi ka at the same time ng SOA (statement of account) wag kang aalis dun hangat di mo nakukuha yun.after nun na nasabi mo ng i cancel.that is the time na verify mo sa PPL makati kung canceled na siya tapos wait ka ng 30-45 days para ibalik yun in full amount sa c.c. mo
    GOD BLESS basta always follow it up para makulitan at para nila agad ibalik

  272. dhan says:

    nakasama din ako nyan sa SM CEBU..bading din ang lumapit sa akin..tapos isinama ako sa office nila sa 2nd floor..ang galing nilang magsalita mapapaniwala ka talaga..akalain mong mananalo ka ng kotse tapos $10000 sa pasok ko don agad akong pina register sa computer para confirmation for 45 mins orientation daw..namimigay pa ng isang basong ice tea…at dun na nagsimula palagi nilang tinatanong kung may credit card ka ba or atm savings account…pag pasok sa main office may ipipnapakita silang mga prove na d daw sila scammer like mga news paper..mga certifications at mga taong nanalo na daw sa kanila…tapos nyan interview na sa personal kong buhay..akalain mo kukuha ng pera sayu initila savings ng atleast 60000 up ata yun minimum yan..d ka nila titigilan pag d ka pumayag…valid ba yang ID at Credit cards mo lang ang hahanapin nila..or ATM cards para daw bank to bank daw ang process at may papers pa para aproval mo raw…ano ako gago para pumayag…akalain mong 45 mins naging 4hrs..d talaga ako tinigilan hanggat d ako maka avail..tapos kung ayaw mo talga nag oofer pa sila ng mas mababa..hanggat pumunta na sa 500 para daw registration kung gusto ko raw bumalik good for 1 yr…silbe reservation daw yun sa slot ko…ayus ahhh galing mang uto…sa time ko nun parang babae lahat ang na uto nila…pinupugay pa nila pag member na…ang bilis ng iba wla pagn 45 mins pumayag na smantalang ako naging 4hrs…nagtatanong talaga ako ehhh kinacounter ko mga sinasabi nila…d naman sila makasagot….lol…kaya beter luck next time PPLIC d niyo ako naluko…at salamat sa bag na binigay niyo…dapat dakpin ang mga taong ito…mga SCAMMERSSSSSSSSS!!!!!!!!!!!

  273. T says:

    At TIN_TIN
    Paano yung interest? kasi ang laki ng interest sa akin e..for the 2nd time aabot na ng almost 3K. Beside na ibalik nila yung full amount, how about yung interest na nasali sa computation ng bank? Maibabalik din ba yun? How about ang sa iyo?

  274. Blix says:

    Just to add information:
    I withdrew mine because if you see their table of values for the 15 years, your money will only grow less than 3% albeit informing you that their endowment fund will earn rates of 10-20%. TIP: Ask for the table of values on how much you’re money is supposed to be worth in the future. Ibang klase yung kanila eh, less yung future value sa total value ng payments mo. In effect, negative interest.

  275. mcometa says:

    I tried to call PPLIC main office. Nakausap ko si Carla, hindi na daw pwedeng ma-refund yung ibabayad ko. Tama ba yun? Naloko ako nung Nov. 13 pa. Ngayon ko lang naayos kasi tuliro talaga ako. Nakagawa na ako ng cancellation letter, naisipan ko lang tumawag at yun nga ang sabi sakin nung nakausap ko na hindi na raw pwedeng marefund yung ibabayad ko. Two billing statements na ang dumating sakin, hindi ko pa binabayaran. Ayun awa ng Diyos may interest na! Hahaha! Natatawa na lang ako sa katangahan ko. Anyway, baka ma-advise-an nyo ako kung ano ang pinakawais na gawin. Tumawag ba sa Insurance Commission? Dapat bang indicate ko sa letter ko na gusto kong marefund yung ibinayad ko, etc.


  276. Blix says:

    You can, if you withdrew within their 15-day grace period from the EFFECTIVE POLICY DATE, which would probably be Nov. 13. After this, your payment is considered paid and non-refundable.

  277. mcometa says:

    Therefore, hindi na ako makaka-refund. Ipapacancel ko na lang din. Hindi naman kalakihan yung policy na inapplayan ko. Burden lang kasi yung babayaran ko per month for 15years, na pwede ko naman ipunin na lang. Late ko na din kasi nadiscover itong blog na ito. Geez… 9T din yun… >.<

  278. giegs says:

    I went to their main office last monday Jan18,2010. with me is the cancellation letter and the original copy of the docs which they provided me be4. I talked to CARLA Norada and she received the cancellation letter at sabi nya i’ll go back within a week to get my SOA cancelled from inception. Then afternoon I called to their main office looking for ms ginny sta maria ang sabi nya kinancel na nila yung account ko tapos tianong kung pwede ko makuha yung copy ng SOA cancelled so sabi nya oo.then I go back on tuesday around 8am nandon na ako s office nila and took the soa na cancelled but then I am wondering why there is no signature from any of their officer as a proof that they have accepted and cancelled my transaction s PPLIC.sabi s akin nung carla irerefund yung money ko s cc ko 30-45 days daw so sbi ko baka macharge ako nyan dapat now nyo na i-refund yan..pagdating ko ng office because of my heavy load I’m about to fax the docs to HSBC around 5pm. This afternoon I called the bank and check my credit card and I was told by the CS na natransact na ng PPLIC ang money yesterday around 3pm..WTF!!!I can’t really imagine nagfile na ako ng cancellation letter s knila on monday, then nakausap ko na c ms ginny stating that they will cancell my transaction on that day also, nakuha ko na the next day yung SOA na merong cancell nung morning pero tinrabaho pa rin nila on the afternoon..THE HELL WITH THEM!! Sana makatulog kau ng maayos…have you seen their office at North EDSA..It’s just like hell..ssame as those freaky faces..tama nga yung sa bible.wag padadala s maamong mukha because what is behind of it is a demon.

  279. giegs says:

    to jingjing

    I’m surprised you’re from cebu. I thought u were here in manila..Pray lang tau jing na mairefund yung kinaltas s atin..kung minsan maging mataray rin tau para nd cla makapanggoyo s atin..hirap kc pag mabait ka madali lang maloko..

  280. ness says:

    just want to share my experience last Sunday. I was in fairview to buy some grocery then may lumapit sakin na bading and asked if may credit card na raw ako and i said yes. I filled up the flier kasi i have the chance to win a car and 10k us dollar in return i need to attend for some kind of presentation. well, they showing this gift with the logo of their company and i notice it was an insurance company (in the back of my mind, posible mag alok sila ng product nila diba, alangan naman mag alok sila ng baboy,manok or whatever). so I was invited since sabi NO OBLIGATION TO BUY ANYTHING naman daw eh. indi ko talaga kinalimutan un. so punta kami office then called my name for the 45 minutes standard presentation as per the receptionest. in short, i finished the presentation. over 45 mins since i decided to stay naman kasi very warm naman ung approach nila sakin,(its my decision to stay over 45 mins, kasi if indi if i dont like the person or the conversation, walk out gallore ako noh) .honestly speaking for me, maganda naman ung plan l but i decided not to avail i really have to consult pa my husband. so the persistency of the sales agent was there, really, but i stick on my decision not to avail first kasi of my reason nga. in the end, i was able to play and got my gift na wall clock, in fairness may quality rin naman ung using it right now sa bahay namin..

  281. gie says:

    YOU CAN CANCEL PA RIN UR POLICIES..ANYTIME..RIGHT NU YAN. MA REREFUND PERA NU(BUT IM NOT SURE IF “FULL”. LALO N SA MGA BAGONG NALOKO D2. p-cancel nu n agad. SEPTEMBER ME NAGING POLICY HOLDER, BUT DECEMBER KO LANG NAPACANCEL. LATE KO N KC NAOPEN TONG SITE. DEC 15 ME NAG EMAIL NG CANCELLATION LETTER S PPLIC [email protected](GINNY STA. MARIA) DAPAT cc to [email protected]. kinabukasan tinawagan agad ako ng pplic.(ginny sta maria) So December 17 grant n cancellation ko. Within 30 days daw refund. ng follow-up me kanina and within this week maibabalik n rin s bank ko.

    So guys, GOODLUCK… ayusin nu n rin mga policies nu habang maaga.

  282. ness says:

    this is just my opinion ha, base sa mga nabasa ko na reason nila dito sa blog nato.base on my experience, i don’t understand why some people said na pinilit sila mag-avail nag plan?for me kasi, if you dont want to avail or buy something kahit anung pilit nila diba indi ka naman bibili diba?.parang ganito lang yan.diba may mga food tau na kahit anung pilit satin indi natin xa kakainin? or MAYBE sa PERSONALITY na rin ng tao dapat siguro people should MORE ATTENTIVE sa paligid nila. . and take note pala ha..i drink their iced tea twice, 2 glasses .. kasi nung ininvite nila ako uhaw na uhaw na talaga ako nun..hehehe..i forgot to mention sa comment ko guys,, this is my opinion. … if you will ask me if i’m going to avail or not..kung pag uusapan natin eh ung kagandahan and benfit ng product nila.. i would say yes…pero indi pa kami usap ni husband eh..have a nice day to all

  283. al says:

    just hope na sana lahat ng nakaexperience ng ganito katulad ng nangyari kay ness..may tanung po ako..correct me if i’m wrong diba magkaiba ang philippine prudential life sa prudential life plans? kasi ang alam ko ang narevoke ang license e yung sa prudential life plan,, siguro ung iba kaya natatakot kasi kala nila iisa lang may ari nung companya..hehehe

  284. curious says:

    to giegs,

    update mo kami kung anu nangyari sa request mo sa kanila ha. just wait siguro sa sinabi sau ng 30 to 45 workings day before siya mabalik sa credit card mo. Dapat alam mo na nacharge na talaga sau un kasi ilang araw na lumipas mula nung nag avail ka nang plan tama ba? kaya ka sinabihan na 30 to 45 working days..hay bad day ka lang siguro kaya indo mo nagets ung ibig nilang sabihin sau? well anyways. hope everything will be fine to you. god bless

  285. Blix says:

    About ness’ comment on their products, my opinion is, it’s not as worthy as other similar companies would offer. Actually the requirement of Insurance Commission is, for products/plans in their tier, return should be at least 4%. But if you study their table of values for the 15 years, it’s just less than 3. For the scheme they have, I think money is better off in time deposits from banks. They guarantee 5-6% per annum.

  286. ness says:

    hi blix..can you give us the computation para makita namin? and then what comapany would you recommend? it looks na marami ka alam sa insurance, share naman your knowledge..dun sa sinabi mo na requirements of insurance commission..uhm. would you think they will allow the company na magoffer ng products nila if alam nila na indi eto pasado sa standard of requirements nila?

  287. Blix says:

    as i remember during pplic’s sales talk, they kept emphasizing that what they were offering was an ‘investment’ plan and not insurance.

    i really wont say i have a deep knowledge about insurance plans. but you really have to be sure what they are offering you. imo, the best plans are those that offer both a good investment, and at the same time life insurance. for the investment part, you’d here about “equity fund”, “bond fund” or a mixture of both. this is where your money will go to and supposedly, grow. a good plan will often give you various tables, depending on the possible rate it can grow, such as 4% to 10%. your investment comes in the form of premiums, which you pay monthly, quarterly or annually. and then for the insurance part, it offers death benefits for you beneficiaries by the sum insured in the policy. some also offer hospital benefits if you get confined.

    another thing to note is maturity. most insurances give the maturity amount when you reach a certain age, say 65. but recently i found a plan which does not have a maturity, and you can move your investment from fund to fund, depending on your take with which money markets.

    sorry i know ive said a lot but bottomline is, your money is precious. please be careful where it goes to, so make sure of the plans and products you are investing your money in. study and analyze, even though it can take you a long while. good luck!

  288. giegs says:

    Ms ginny told me that I’ll be refunded b4 30 days but then she inserted also from her statement na baka nd abutin ng 15 days…I’ll be checking my account everyday at the bank to ensure if she’s telling the truth. I hope I can hold her words about our last talks just this morning. I’m so restless this past days after I’ve signed in that policy..I have faxed already the certification of my refund which is signed by her (ginny) to my bank and I hope everything will gonna flow well..

    To miss ginny:
    I don’t want to add the 15-day free look period in this post.I hope that 15-day policy will have a common description..not just by look..Thank you for the kind assist..May God Bless Us all.

  289. ness says:

    Thanks God for looking after me while I was asleep last night and you let my eyes open again to see this morning.!!

    I don’t know why but every time I open may notebook, check my e-mails, open my ym, see some friends online I bound to visits some sites that revolves into insurances. Maybe it is a reality and should not be taken aside. Recently, I found out that a lot of people right now are availing insurances for gadgets like cellphone, laptops, and other appliances which make me wonder (perhaps some people also) why these people would avail as such, for Material things. What more if we’re talking about our lives?

    To Blix, I think we had different experience when PPLIC’s sales agent presented me the PLAN/SAVINGS/INVESTMENT/INSURANCE, or whatever other client like us or the agents called it. As I can remember also, I believe I heard from her mouth, she mentioned to me (correct me if I’m wrong) ENDOWMENT PLAN (really she mentioned “plan”–<in my mind its already an insurance) that it could be called other form of savings. She said that endowment plan is combination of saving and protection( and what could be more other term form of protection? yeah, insurance).

    The point is, all of us who were invited in the presentation had different experience, some other may say they had a very bad experience, some say good enough. Meaning to say not all agents are like those they were saying that are rude. I wish every one will do fine, and hope the company will do something to lessen the incidents.

  290. Blix says:

    No, they weren’t rude. In fact I would admit the decision was all at my side. It’s just that later on I realized it wasn’t so much of a good investment, and that’s why I withdrew. Not because I felt I was scammed, but I felt stupid not being careful and skeptical about it.

  291. alrose says:

    hi po to everyone, my mom and my auntie are also plan holders of phil. prudential life. ako po kasi ang nagbabayad ng plan nila kasi pareho po silang na middle east. Nag avail sila last december 2008, so over a year na po sila plan holder.SO ako po yung nababayad ng plan nila,over the counter po bayad ko kasi ayaw nila through credit card and payment nila saka para daw nakikita ko rin ung office nila and makakuha rin ako ng resibo agad ng statement of account..So nagbrowse po ako sa site nila and nakita ko nga po etong trend nato.

    so i told this site to my mom and mom can’t decide pa what she will do, but my aunt is willing to continue the plan, kase iba rin daw ung naging experience nya. indi naman daw katulad nang mga nangyari sa ibang nagcomment dito. tanung ko nga kanya indi ba siya kinakabahan, kinakabahan daw,kaya lang lahat naman daw ng investments and savings may risk part. sabi pa nya, constant naman ang notification ng company sa kanya, wala pa naman daw xa nkikitang problema talaga. Pinapadalhan naman daw xa ng notice every quarterly, which is true namn kasi yung sa mom ko dito namin naririceive sa bahay. sabi pa nya, mostly naman sa comment not about
    prob ng company or stability or financial capacity, sa mga nabasa daw nya mostly kung papano lang daw sila nahikayat or yung marketing strategy pero kung company problem daw wala pa naman daw xa nabasa.(napansin ko rin later nung sinabi ni auntie na mostly ganun nga comment dito).

    I made research din sa company. Legitimate naman nya and was given pa ng certificate of authority, indi ko lang sure kung para san Insurance Commission na website ko nakuha yung info. Update ko rin po kayo dito kung ano magiging decision ng mother regarding this, kasi pinag-iisipan
    pa nya mabuti eh. Hope for the best po

  292. E says:

    salamat sa blog na ito!!! sobrang laking tulong para sa mga “nabiktima” gaya ko. maaaring scam nga ito o posible rin na legal. kung anu man ang tunay na pakay ng kumpanyang ito… HINDI TALAGA SULIT MAG INVEST SA PHILIPPINE PRUDENTIAL LIFE! kahapon ako na “biktima”. ibang klase sila mambenta, parang naramdaman ko na talagang hinaharass na ako, d lang ako makapalag sa patuloy nilang pag kumbinse at kung kani-kanino ako pinakausap para tuluyan ako madistract. yun naman ang naging mali ko kahit alam medyo hindi na tama itong pinasok ko… at dahil d ako mapakali sa mga pangyayari. inaral ko agad ng husto ang policy na kinuha ko sa kanila kasi di naman tayo nabigyan ng sapat na oras para pag isipan ng mabuti ang kanilang ini-offer. at yun nga ang aking napag tanto na hindi nga talaga SULIT ang investment sa kanila. nakakatakot pa, ang pinaghihirapan natin pagipunan para sa buwan buwan na “pambayad” sa ating “investment” ay baka mag laho na lng ng parang bula. kaya para sa lahat ng hindi pa gumagawa ng sulat, mag reklamo na kayo bago mahuli ang lahat. mabilis naman sila umaksyon basta idaan lang sa tamang pakikiusap. shempre d rin naman natin maiiwasan maging mataray, pero hinay hinay lang. paglaban lang natin karapatan nating lahat!!! :) sana madala natin itong issue sa media ng matigil na ito… di kasi talaga nakakatuwa..

  293. giegs says:

    To jingjing
    For now I will wait for my refund. Nangako namn c ms ginny na irerefund nila yung na debit s card ko. I’m sure my isang salita namn sya. Pero sana early than 15days. Sa ngayon medyo ok na pakiramdam ko pero nung nakaraang mga araw nd talaga ako mapakali. Yung sau Jing sabi naicancel na pero follow-up m na rin para me assurance ka..

  294. Ja says:

    well, kanina nung hinatid ko nung gf ko, may ganyang taong humarang sakin na mananalo daw ako ng kotche! tapos hinahanapan ako ng CC, then nagtanong ako baket? verification and qualification daw.. after nun, nagpakita ko, ID din pinakita ko sinabi ko ito ho, la salle ID.. ayun ok naman pero nung nakausap ko na yung mga nasa loob, but the thing is, nung ineexplain sakin nung girl everything about PPL, sabi ko hindi ba sya parang SCAM? kasi sinasabi mo sakin na, magbibigay ako sayo ng pera throught CC tapos para maging savings ko? nagtanong ako, bakit ko need pa ibigay sa inyu kung pwede naman ako nalang? mas ok daw sa kanila, then sabi ko TANGA NMAN NETO, BAKIT MAGIGING OK SA KANILA?.. tapos ayun, umayaw na ko tapos PILIT PA RIN NG PILIT.. THEN IM STARTING PISS OFF! KAYA NAGWALK OUT throughout sa office nila.. kaso nagfill ko ng forms, sana wag nila ko kulitin.. pero mas ok kung magusap usap tayo about that matter, para dumami tayo upang magreklamo para wala ng magoyo pa.. naawa ako para sa mga biktima dahil hindi ganun kadali kumita ng pera.. ABOUT SA CC, YOU CAN JUST CANCEL YOUR ACCOUNTS NALANG.. KASI KUNG WALA NAMAN KAYONG PAMBAYAD DUN SA CHARGE NILA SA INYU, MAGAGAWAN NILA NG PARAAN YAN ALTHOUGH BABAYARAN NYO SA BANKS YUNG INTEREST NALANG.. SANA NAKATULONG AKO SA INYU. =)

  295. corazon says:

    to the owner of this blog, i am sorry to say this but you’re giving confusion to other people, to the plan holder of ppl, most importantly to the plan holders who are working abroad. Im myself got confused about what you have written pertaining the company. Why, tingnan nyo naman po ang title ng blog na to PHILIPPINE PRUDENTIAL LIFE SCAMMERS, who ever read this na plan holder na ng ppl and working abroad will be worried, my God, the first time I read the title, umakyat lahat ng dugo sa ulo ko, nagpalpiatate pa ako, i’ve been a plan holder of ppl since 2007 and malaki na rin ang nahulog ko sa policy ko. I was surfing for ppl’s new update then i accedentally found this blog.

    I would like to request to the owner of this blog to stop using word “SCAMMERS” as it gives confusion to people, mabuti kayo nanjan lang kayo sa philippines so you could do whatever you want sa plan nyo. I am sorry to the people who thinks they were scammed or felt fooled when they availed the plan, i’m not stoping you kung anu man ang gusto nyo mangyari sa na avail nyong plan, just use word na appropriate na itawag sa nangyari sa inyo. if you felt that you were scammed, and icomment nyo you felt scammed or fooled, dont use scammer word as if talagang scam yung company. You not being considerate to the feeling of those who are already plan holders, I even called my family in the philippines to verify everything about the company, i called their hotline, i was carried away and yelled to the customer service i spoke with. My family was able to spoke with customer relation officer the company and explained everything.

    I dont know kung anu man po ang reason ng ibang client who were able to get a policy kung bakit nagpapacancel sila ng plan nila if you think mali ang way nila manghikayat ng tao then yun lang ang ilagay nyo na comment na bad sa kanila. Wag po kayong manggaya ng ibang comment sa taas.

    To the owner of this blog, i am sorry again, in your blog you have not mentioned that you availed the plan or what, how can you say na SCAM eto? may nakuha ba sila sa yo? kaw na rin ang nagsabi, maketing strategy nila yun to GAIN clients. Masasabi mong man mali ang paraan nila, wala ka atang karapatang magsabi na scam ang isang negosyo na wala kang basehan, all your proof is all about their marketing strategy. It may be insulting to others, others maybe felt bad, it maybe aggressive as others, you may not be happy the way they serve their customers, but i dont think you dont have the right para sabihan sila na scam sila, worst part, your confusing us, plan holders. hope you may put this in your mind, your tyring to bring the company down but while you doing that your tyring to bring us down also. I hope your happy also, hindi lang naman isa ang mga plan holder ng kumpanya na yan, madami na rin.

    Sa mga new plan holders, whatever decision man ang gawin I hope sana hindi madamay ang mga plan holders na. Do as you think is good para sa inyo, kung anu man ang sinabi ng sales agent nyo, the decisions are all yours.

    one more thing. if the company is scam, why there are people who were able to get their money back? sorry for typo errors.

    • Arpee says:

      to corazon: i called it a scam because their representative did not fully disclose that she was selling insurance. she made me think i won something. the word “scam” is defined as a deceptive or fraudulent operation. in my opinion, when someone gets you all hyped up over winning a car and cash then tells you that you need to bring your checkbook or credit card because it’s the only acceptable ID, that looks very much like a scam to me. if this post worries you because you got a plan from them, that’s your decision. if you think the insurance is worth the money, then don’t be influenced by other people. stand by your decision. however, the rest of us need not be obliged to bend our opinions because the post “worries” you. live and let live.

  296. jingjing says:

    bakit la ng sumasagot sa hotline nila. ni samga numbers na binibigay nila..

  297. she says:

    Naiintidihan naman namin Ms. corazon ang nararamdaman ninyo. Pero malaking pasasalamat namin kay arpee dahil sa blog na ito at kaagad namin nagawan ng paraan ang cancellation namin sa plan.Malaking tulong talaga itong blogged nya. God bless us all na lang.

  298. kilo says:

    grabe pala yang PPL/DANVIL or whatsover na yan..alam ko na yung pinaggagawa nila dati dahil naimbita na yung mama ko jan..ako naman aanga-anga at nabiktima ko kahapon lang..
    sa SM NORTH EDSA ko at may lumapit na Charito Sesalde ba un..ganyan-ganyan din nanyari saken..buti na lang at wala ko cc..kaso ang masama eh ATM card ang dala ko..
    they even asked me to have a receipt for the balance na nandun sa card..hindi ko alam kung nahypnotized ako or ano dahil hindi tlga ako madaling magoyo…ayun napakita ko din yung balance..super Sh*T talaga…parang wala ko sa sarili nung time na yun..

    Nung nag-“talk” na saken yung isang Rep. na ang name is RG. Magaling ang sales talk niya..Muntik na rin ako magbayad ng 26K!!! pero dahil alangan nga ako at hindi magaan sa feeling yung mga nangyayari, hindi ako syempre ilang taon palang ako para maglabas ng ganung halaga almost 2 yrs pa lang akong nagwo-work at pinambabayad ko ng investement ang pera ko..

    Super pilit ung RG..hanggang sa inalok sakin yung Merci na 365 pesos. Hindi pa talaga pinatawad. halos maiyak na ko sa inis at gusto ko ng lumabas sa kakapilit nila. Naiinis ako dahil sana umiral ang pagkabadtrip ko at nag-walk out na lng! Pero ayun nga, 365 pesos..wala pa kong pambayad sabi ko sa kanya at talagang pinag-withdraw pa ko! ayaw akong tantanan. gusto ko ng takasan pero nakabuntot talaga at feeling ko talaga eh hypnotized kabutihang palad eh 365 lang nakuha sakin..compared sa inyo na malaki talaga ang nakuha..pero pera pa din yan eh..mahirap kitain na ang pera sa ngaun..

    ASk ko lang ARPEE, wala naman bang mangyayari kahit nagbigay tayo ng personal information sa kanila? i.e full name, bday, address and signature.. almost all the people who posted here must’ve given their personal information. and of course the signature..pwedeng gamitin sa kung ang kinakatakot ko dahil ok ng mawalan ng pera huwag lang magkaroon ng isang pang katulad ko na gumagamit ng parehas na pangalan, bday, address at even yung signature,..

    I hope hindi sila ganung tao..pero sa tingin niyo ba? possible ba manyari yung nasa isip ko? mahirap kasi talaga maniwala sa mga palpak na pamamalakad na sinisilaw ang mga tao sa mga kung anu-ano. Kukuhain ang trust mo tapos kung ano pang paligoy-ligoy ang ginagawa..kaya agree ako sa sinabi mo ARPEE. SCAM IS A DECEPTIVE OPERATION. at ang Marketing strat nila ay isang halimbawa nun. Nag-aral ako ng marketing at masasabi kong effective ang strategy nila dahil maraming “nabiktima”..all of us are deceived by the car and the money (na manalo ng kotse at $10,000).. sino bang hindi masisilaw dun diba? sa buhay ngaun.. biktima dahil ang main purpose is to sell an insurance na ibang-iba sa first na sinasabi nila kapag hinarang ka sa gitna ng mall! I hope you understand my point.

  299. curious says:

    Iba-iba talaga ang nagiging experience ng bawat nagiging client ng PPL. cguro nga depende un sa sales agent na mapupunta, may mga sales agent cguro na indi ka pinipilit like sa nangyari kay ness at corazon at meron din nmn ang aggressive ang approach like sa nangyari kay kilo.

    Para kay kilo, indi ka na hypnotized..hehehe..sales talk lang talaga un, and doon sila magaling. Marami nagsasabi na nahihypnotized sila pero ang totoo humanga ka sa kanila sa galing nila magsalita on that moment na kinakausap ka nila, nasa isip on that time “wow galing naman nila, sana ganun din ako”..hahaha..tama ba? sapol…kaw naman, una pa lang pala ayaw mo na mag-avail, tapos nag-avail ka rin. yang pili pilit factor na yan, sus, ewan indi pa rin ako maconvince na mapipilit ka kung ayaw mo naman talaga.

    iba iba rin ang definition ng scam sa iba’t ibang tao. like ka arpee and kilo, they think ang scam eh deception operation while kay corazon naman eh if they gained something on you. Nasa tao na lang un kung anu man and meaning or interpretation mo para sau ng scam.

  300. Arpee says:

    to kilo: to answer your question, we don’t want to give out personal information especially to bogus raffles because they use all collected data and form mailing lists, which they sell to other companies who then profile us and send targeted ads. not all companies are discreet with the mailing lists, others sell it again to more aggressive marketing campaigners, thus we end up with all sorts of junk emails and time-wasting phone calls offering us to buy all kinds of shit we dont need. we would love to live quiet lives so let’s not allow these monsters bother us.

  301. alrose says:

    hi po, just want to inform you lang po na my mom decided to continue her plan also, later po im going back to their office to settle payment for the month of february, nagpaadala na uli sila ng pambayad eh. hope everyone will settle their issues. thanks po

  302. glade says:

    Sa susunod kasi makinig kau sa mga nagsasales talk n mga yan, wag kau aanga-anga..diba sinabi na no obligatation to buy anything..dapat sinabi mo nyo un sa sales agent ewan ko lang kung may magawa sila.. sabihin nyo un ung sinabi ng nagtanung sakin kung may credit card nako or wala eh,, no obligation to buy anything naman ah,,bakit pinipilit mo ako mag avail.. ewan ko lang kung indi ka tigilan ng sales agent..hahaha..katulad ni kilo,, xa na nagsabi na aanga-anga xa.. na invite pala dati ung nanay sumama pa,,sasabhin pa na parang nahypnotized xa.. pagkatapos sasabhin na pinilit xa..okay ka lang.???para sakin indi ka parang aanga-anga…aanga-anga ka talaga.. tapos sisihin mo at paparamdam mo sa iba na nabiktima ka.. biktima ka ng sariling mo katangahan.

  303. glade says:

    one definition of scam…..define it as obtaining money by means of deception including fake personalities, fake photos, fake template letters, non-existent addresses and phone numbers, forged documents

    ganyan ba nangyari sa inyo?

  304. mice says:

    Anu ba pinagka iba ng Life Insurance at Pre need insurance? with regards sa funding nila? May nalugi na bang Life Insurance company? kindly give naman the difference para atleast yung mga taong nagbabasa nito malaman ang difference nila kasi like myself, I believe na isang uri lang sila ng insurance..nakakalito kasi.. kya yung iba rin saka ako alangan kumuha ng insurance..thanks

  305. Arpee says:

    to alrose: i am a believer of life insurance myself. i have availed of plans from other companies. insurance is a good way to save money, i have no qualms about that. my only gripe against this company is deceptive way they sell it.

    to glade: so if someone you know died of a heart attack, will you tell the mourners that it the guy’s fault so we better not cry over it? these people went along with the sales agents because they did so in good faith. it is never the fault of the wronged person if he/she was cheated. a deception need not be done with fake documents. remember that it is always the intent that makes one deceptive, not the instruments.

    to mice: i’m no insurance expert. i only wrote this rant because i hated the way i was being played to buy insurance. try this link for more information. this is where i got my insurance.

  306. Arpee says:

    my personal motto is this: trust your money to people who already have it. because their reputation will mean more to them than the money.

  307. snny says:

    ang tanong ko lang ay bakit mali ang binigay nila na phone no. sakin para mag follow-up?
    parang tama nga si glade bout sa word na scam.

  308. Arpee says:

    they never said they were selling insurance, thus the rant

  309. I says:

    @ Snny
    Dba naibalik na sa iyo yung pera mo? bakit ka pa mag follow-up? Hindi pa ba naibalik sa iyo lahat2? sa akin wla pa rin eh..almost 50 days na..huhuhu.

  310. rani says:

    Guys…can you give me their hotline? me tumawag kasi sa akin lastlast week. from their accounting dept. sabi babalik na daw yung pera ko by first week of feb. ngaun nung iffollow up ko na today… yung inwan na number sa akin is di daw nageexist. kaya does anyone know kung ano number nila? ty.

  311. pissed says:

    Let’s join force and puntahan na mga yan! pakita naten yun dami naten para mabalik mga pera naten!

  312. sophie says:

    please help me po. i’m from zamboanga pa po n nabiktima din po ako ng PPLIC. pareho po ang mga experiences natin sa marketing strategy nila. nag avail po ako ng endowment plan nung january 6, 2010 then pina cancel ko po sana nung january 11, 2010 but then na convince na naman po nila ako so nag ok po ako ulit. pro po nung jan 14, 2010 sinoli ko na po tlaga kasi nagalit po nanay ko kasi nag swipe ako ng cc tapos d aq nagpaalam sa kanya n pati health nya na affect po dahil sa galit nya. nung sinoli ko po ang endowment pnagawa po nila ako ng letter of cancellation n sabi ng mama ko ipa-receive ko daw po sa kanila kaya pina receive ko po sa girl na tumanngap ng letter ko. pro d ko po kasi na photocopy ang mga documents na sinoli ko po sa kanila and may binigay po silang statement of account pero wala pong nakalagay na cancelled na xa. D ko na po alam kung anong gagawin ko. 52,000 po ang nakuha sa cc ko and wala po akong trabaho ngayon kasi di po natuloy ang work na inaaply-an ko. please help me po. d ko na alam anong gagawin ko.

  313. sure says:

    We should let the company know what some of there agents are not doing their job well. Para magawan nila na g action agad.

  314. sure says:

    try to call 7551567

  315. true says:

    oi..yung huling winner nila kapitbahay namin pero malayo sa bahay namin. honda city yung nkuha nya.. at eto pa sabi ng ibang kapitbahay namin indi naman daw nakakuha ng insurance yung kapitbahay namin. ang swerte nga ni luzviminda eh, akalain mo indi naman kumuha ng inaalok eh nananalo pa. Kala ko para manalo ka ron dapat kumuha ka muna ng inaalok nila eh,, kasi nakikita ko naman sila sa sm fairview nagtatanung nga if may credit card ka na o wala hindi ko naman pinapansin hindi naman talaga ako mahilig sumali sa mga raffle raffle na yan, mahina kasi luck ko sa ganyan eh. kayo ba may alam kung may nanalo pang iba sa kumpanya nila?

  316. snny says:

    @I last dec kpa na try yung number nila, pero not in service… salamat nga my blog na ganito kaya sa main office nko ng direct ng tanong ko…

  317. gie says:

    good day guys!!! good news (for me), naibalik na ung refund ko. Yesterday lang.. Full refund. despite, september me ng avail ng plan. Binalik p rin nila lahat. Hay, laki pasalamat ko talaga sa site n to..THANK YOU SO MUCH ^.^ ARPEE..

  318. Arpee says:

    to gie: i’m happy that you got your money back. don’t thank me, thank the people who have generously shared information through this website. feel free to click on home on the upper left hand corner. there is more here than rants.

  319. moh says:

    TO EVERYONE: me…same experience po,,ang kaibahan lang yung sa akin..pagka-SWIPE,not honored kasi wala na aqng balance..posible kaya na madebit yun ulit….

  320. L says:

    @ gie.
    I’m happy for you. September u nag avail ng plan? Tapos when u napa cancel?
    At kahapon lang naibalik sa iyo? how many months ka rin na nagbabayad ng credit card mo? Kasi sa akin almost 50 days na hindi pa rin naibalik eh..tapos may mga charges pa ang bank sa interest kaya wla akong magagawa bayad nlang ako ng bayad..ang sa iyo naibalik ba lahat pati yung mga interest ng bank?
    Please answer me gie..i don’t know what to do na..huhuhu.

  321. P says:

    @ gie.
    Nagpadala ka rin ba ng iyong SOA at dispute letter sa bank mo?
    Naibalik rin ba sa iyo yung finance charges ng bank sa iyo? You had been paying for 3 months right? so, ano na yun? Thank you nalng ba yun?

  322. todonato says:

    wala talagang dinedelete nya comment ko…

  323. gie says:

    @ L thank you..
    September me ng avail ng plan. 16,800 agad nakuha sa cc ko.. Oct-Dec ang monthly premium ko is 1,610 every month.. December 14 ng email ako sa [email protected] (INSURANCE COMMISION) asking for their assistance to cancel my insurance..(dapat complete details ng insurance at may signature ka, sila na ang mgforward ng email u sa PPLIC). Kinabukasan tinawagan ako ni MS. GINNY STA MARIA and ask nya reason ko. So ng explain me sa kanya.. December 16, nakareceive ako ng email from Ms. Ginny saying n ngrant n ung cancellation ko. so, pinasurrender nila lhat ng documents sa knila.(be sure n may xerox copy k lahat). Within 30 days ung refund. Pinafollow-up ko n lagi kay Ms. Ginny my refund tru email at cc ang [email protected]. Until n credit back n ung P21,630.00 sa cc ko…Ung mga finance charge try ko habulin s Bank ko kung pwed din i-reverse.
    Cancelled n rin b insurance u? wait k n lang b refund? Try to email n lang ms ginny ( [email protected]) cc to [email protected]
    Sana maayos u na agad.. Goodluck sau..

  324. gie says:

    @ P
    Wala n me pinadala SOA / Dispute letter s bank ko.
    Bali ang naibalik sa kin: P16,800 Initial premium
    Subsequent premium 1,610 October
    1,610 November
    1,610 December
    Total Refund P21,630.00
    Ung finance charges, aayusin ko pa lang sa bank ko, hindi ko rin sure kung ma-reverse dn un…

  325. boying santos says:

    nabiktima din jan ang kami ofc mate ko, as in traumatized kmi dahil hinarang kmi sa loob ng booth ng mga taga prudential at nakunan un ka ofc mate ko ng credit card nya ng 9090++. ako kaase wala credit card kaya wala napiga sa akin, ewan para daw sya na hypnotize ng mga un at napaplit na mabigay ang credit card niya ng aking tanungin at ayun nga na swipe na. nag gawa na kami ng letter sa phil prudential life pero d pa kami sure kung me refund nga sila bibigy, pero ganun pa man, d pa din solb ang problema. ok un nakuha ko mga tips here sa site mo arpee pero wala na ba tayo magagawa sa kanilang panloloko? kung puro paglalahad lang mga story dito e after d fact na ang ngyari, parang tapos na ang kwento, so to speak. ngawa na lang tayo ng ngawa. plan ko sana mag reklamo sa DTI, Insurance commission na ang ofc ay sa UN Avenue malapit sa philtrust bank at sa central bank tungkol naman sa card companies na mukhang ka kutchaba nila sa pag bilis mag debit, sino mang me gusto sa inyo na sumama sa akin lalo na un case ko na d pa na refund un pera, pwede email nyo ko para magka usapan tayo at magsidulog sa mga ahensya na nabangit. tutulong naman daw sila ng magtanung kami. malaki na ang pera na nawala sa atin here. dapat matoldokan na ang mga gawain na ito, wala pa ba nagrereklamo sa mga tv shows like xxx, imbestigador, bitag?

  326. Arpee says:

    to boying: it’s not easy to just go to the government and complain about them. true that all we can do is complain AFTER the fact that it has happened. but there are certain legalities that i’m sure a big company like prudential life has already thought about. all this post can do for now is warn people.

    to all: yes, i do reserve the right to control comments on this blog because it is, above everything, a personal blog. if i see that your comment is offensive to the readers then it will be deleted. labeling prudential life victims as “aanga-anga” is adding insult to injury. we need not be victimized to complain about how unscrupulous prudential life’s marketing strategies are. calling a victim stupid is not helpful and will only make the person feel worse. they came to this blog seeking solutions, not heartache. whatever their reasons are, people who want their money back, have the right to do so, thus they have the right to information that will help achieve this goal. let us respect that, because we all work hard for our money. hindi natin pinupulot ang pera, at least most of us. kailangan natin ingatan ang mga sarili natin laban sa anumang uri ng panloloko.

  327. sophie says:

    pwede ko po bang itanong kung ano po talaga ang content ng ine-mail nyo kay ms ginny? wala po kasi talaga akong alam about sa mga ganon. hope you could help me po. thank you. God bless!

  328. gie says:

    @ sophie
    may email ka b? or ym?
    Grabe anlaki pla ng n debit s cc u..sana maayos n nga ASAP..

  329. ivy says:

    hi sophie will be going to the main office tom. if you want to come just meet us there. thanks.

  330. todonatograbe says:

    ako po si glade,grabe and todonatograbe….I used this username before kaya lang binablock na ata ako eh..hhuhuhuh..peace po!!!

  331. win says:

    Para sakin ha..dapat wag natin idelete yung comment ng iba pwera n lang talaga if nagmumura na siya or nakikiapg away na siya sa ibang nagcocoment dito.ginawa naman siguro to express lahat ng nasa isip natin….ngaun lang ako nagcoment pero punta ako sa site na to read comments..

    To glade,grabe at wat arpee said sa kanya ang blog nto..kung anu man ang gawain nya dito nasa kanya un..and baka may dahilan siya kaya nya delete comment mo.

  332. sophie says:

    @ ivy
    thank you po sa pag invite pro di po kasi ako makapunta sa main office kc po andito po ako sa mindanao ngayon. hope po na ok po ang result ng lakad nyo sa main office. God bless!

  333. Arpee says:

    to win: thank you for your vote of confidence. yes i have my reasons why i keep blocking this person. he/she has been arguing things outside of the topic, thus making him/her into a spammer/inflamer.

    dear readers, you are welcome to say what you want as long as we stay within topic, which is prudentialife. pro or anti, i have no qualms. but i will NOT tolerate personal attacks on me and to other readers. normally other blogs moderate comments prior to posting but am allowing people to post automatically, to give them a venue to let themselves be heard. sadly i am no saint that i will post attacks against my person, let alone allow myself to be humiliated in my own blog. to TODONATO, or whatever your name is, i offer you the olive branch, but i recommend you stop exhausting all IP addresses just to post comments only to pursue the point that you are right and i am wrong. once you start going in that direction, you automatically become a spammer. you can always start your own blog where you can say what you want to anyone. but in my house, i call the shots not you.

  334. todonatograbe says:

    hi to all, I just want to clarify to all I wasn’t looking for trouble and I didn’t leave comment just to bash other.

    To Arpee, I wasn’t attacking you. You explained you side hope you give space for mine.

    Okay, KIlo shared her story about what happened to her. She admitted na she wasn’t in herself(i avoided the word) that time. What i did, for me, ginatungan or pinalalim or kung anu man itawag nyo sa ginawa ko. if you thought I attacked her, then I could not do anything about it.

    After that nagcomment ka for her aid about “heart attack” and what you believed happened to you when someone called you. Then I explained my side, i just gave some example yun lang un. I wasnt attacking you, I never meant to humiliate you. If you will read my comment wala talagang foul akong nakikita, If hindi siya totoo then I believe there is no reason to feel humiliated.

    Like you said this is your house, your blog, and the shots is in you. It is up to you again if you will delete it again. This is my piece and if you felt humiliated, my apology.

  335. Arpee says:

    your apology is accepted. i would like to move on and continue providing a venue for those who need information regarding prudentialife. please post any helpful info that you might have.

  336. win says:

    Wow bati na sila..heheh..eto naman idea ko..naniniwala ako na both parties ay may pagkakamali, yung sa company at ung nagiging cliente nila..
    Siguro mali nga lang talaga the way the agents of the compny gets client para mag alok ng product client nila we should learn how to reject invitation although kahikahikayat naman talaga yung offer nila diba but makinig tau sa sinasabi nila..minsan kasi nasa kanila rin yung way para makaligtas or makaiwas hindi natin kgustuhan.makinig taung nung nangyari kay ness, she listened carefully, so the agents,wala sila magawa..lagi natin tandaan na nasa atin ang sagot para sa lahat..if u will search naman maganda naman ang life insurance, pag kakamali lang nagibang agent, sigur per quota sila they tend to do some unnecessary action and speech para lang makareach ng goal nila..paganahin ntin utak natin..hehehe..thanks to all

  337. Ann says:

    @ win.. strongly agree. Minsan hirap talagang to say NO.. but we learned our lessons.. We have to think carefully specially to those promos roming around the malls..

  338. L says:

    hay naku..may kpareho ba dito sa akin na 2 months na nag hihintay wla paring natanggap na refund?
    pinapaasa lang ata ako nitong taga PPLIC ah! ano dapat kung gawin..lumaki ng lumaki na yung aking interest sa banko….tulong nman po ah.. thanks in advance.

  339. L says:

    Cancelled na pero hindi parin na charge back yung pera ko until now. mag 2 months na nga eh..
    huhuhu. I’m so sad.

  340. gie says:

    @ L
    Email mo si miss GINNY STA. MARIA ([email protected]) and cc to [email protected] to FOLLOW-UP your refund.. Dapat lagi u finafollow-up.. Goodluck….

  341. just says:

    Agree ako kay din ako kay win, we should listen carefully sa mga taong nakakasalamuha natin sa pang araw-araw at malalaman mo rin sa bibig na kausap mo yung mga dapat mong malaman, which could help us to prevent such incidents. Naniniwala rin ako na may pagkakamali din yung mga kleyente hindi lang yung kumpanya. Minsan kasi tayo pagmay alam tayong pwedeng sisihin, sa kanila na natin sinisisi lahat, lahat nang bagay na pwede natin ipukol, ipupukol natin, pero indi natin inisip na somewhere, maybe maypagkakamaili rin tayo, kumbaga, duguan na yung sinisisi o kalaban natin hindi pa nila alam na may ganun palang pangyayari at kung minsan yung iba nagiging exaggerated pa sa mga sinasabi, sumasakay lang sa iba. May nabasa ako dito na sana daw dapat magpakatotoo tayo, which also I believe we should.
    May mga taong kasing nahihiya rin aminin ang pagkakamali nila kaya ang ginagawa nakikiayon na lang sa iba…Lets learn our lesson…

  342. just says:

    hey guys.. Some quotable quotes..

    So when you are listening to somebody, completely, attentively, then you are listening not only to the words, but also to the feeling of what is being conveyed, to the whole of it, not part of it.

    -Jiddu Krishnamurti

  343. just says:

    A good listener tries to understand what the other person is saying. In the end he may disagree sharply, but because he disagrees, he wants to know exactly what it is he is disagreeing with.
    Kenneth A. Wells

  344. enlightenme says:

    OMG…OMG talaga….Legitimate ba yung Philippine Prudential LIfe? OMG…Nakapag avail ako ng plan sa SM Megamall, but the things is, its totally different from what I experienced compare sa mga nakacomment dito. I mean,fully aware ako…kwento ko na lang…..

    the usual katulad nang mga nakaexperience nang iba na tinanong sila if may credit card na sila..ganun din po ako.. then dinala na nila ako sa office nila..and then this agent, stupid of me I forgot the name,..pinapasok nya ako sa office then pinakita nya sakin yung mga nasa wall na frames, picture ng president, clips from newspapaer, nabasa ko pa friend ni gloria may-ari…then afterwards upo nakami, explain explain.. I put my plan,dreams sa thats it,,I know this maybe iba talaga sa naranasan nyo but aware ako ng dinebit nila ako ng initial payment ko 24taw, alam ko rin na may monthly, basta it was all explained to me, I can never say na pinilit ako kasi binigay ko yung card then the agent let me read the authority to debit. then after punta kami cashier inulit uli nung cashier yung nasa papel..after ako madebit pirma nako mga documents..syempre tanung na ko ng tanung kung anu benefits kasi sabi savings with kasamang protection daw..may pinili pa akong cash value as my non forfeiture option….then after mabigay yung papers naghintay ako dun and nakipagkwentuhan sa mga agents nila dun,siguro 3 hours ako nag stay dun kasi nakipagchikahan pa ako sa kanila..Then after 3 days may tumawag sakin asking if happy naman ako sa inavail kong policy and I said yes and willing talaga ako icontinue..

    Ang problema ko ngaun is kung legitamate pa yung kumpanya? kasi sa mga nababasa ko dito sa blog scam daw? pwede bang mangyari yung ganun na legitmate pero scam? San ko pwede iverify kung legitmate yung kumpanya? Sa SEC ba sila katulad ng CAP? kasi kung hindi siya legitimate babalik talaga ako dun..hhuhuhhu.. pero kung legitimate naman i’ll continue the plan..Thanks to win and just,, after all reading mga previous comments, nabasa ko naman yung sa inyo..medyo gumaan naman pakiramdam ko..sana masagot nyo katanungan ko…

  345. enlightenme says:

    OMG…OMG talaga….Legitimate ba yung Philippine Prudential LIfe? OMG…Nakapag avail ako ng plan sa SM Megamall, but the things is, its totally different from what I experienced compare sa mga nakacomment dito. I mean,fully aware ako…kwento ko na lang…..

    the usual katulad nang mga nakaexperience nang iba na tinanong sila if may credit card na sila..ganun din po ako.. then dinala na nila ako sa office nila..and then this agent, stupid of me I forgot the name,..pinapasok nya ako sa office then pinakita nya sakin yung mga nasa wall na frames, picture ng president, clips from newspapaer, nabasa ko pa friend ni gloria may-ari…then afterwards upo nakami, explain explain.. I put my plan,dreams sa thats it,,I know this maybe iba talaga sa naranasan nyo but aware ako ng dinebit nila ako ng initial payment ko 24taw, alam ko rin na may monthly, basta it was all explained to me, I can never say na pinilit ako kasi binigay ko yung card then the agent let me read the authority to debit. then after punta kami cashier inulit uli nung cashier yung nasa papel..after ako madebit pirma nako mga documents..syempre tanung na ko ng tanung kung anu benefits kasi sabi savings with kasamang protection daw..may pinili pa akong cash value as my non forfeiture option….then after mabigay yung papers naghintay ako dun and nakipagkwentuhan sa mga agents nila dun,siguro 3 hours ako nag stay dun kasi nakipagchikahan pa ako sa kanila..Then after 3 days may tumawag sakin asking if happy naman ako sa inavail kong policy and I said yes and willing talaga ako icontinue..

    Ang problema ko ngaun is kung legitamate pa yung kumpanya? kasi sa mga nababasa ko dito sa blog scam daw? pwede bang mangyari yung ganun na legitmate pero scam? San ko pwede iverify kung legitmate yung kumpanya? Sa SEC ba sila katulad ng CAP? kasi kung hindi siya legitimate babalik talaga ako dun..hhuhuhhu.. pero kung legitimate naman i’ll continue the plan..Thanks to win and just,, after all reading mga previous comments, nabasa ko naman yung sa inyo..medyo gumaan naman pakiramdam ko..sana masagot nyo katanungan ko

  346. Y says:

    Totoo nman na may Phil. Prudential Life Insurance.
    Sabi mo hindi ka pinilit, so it’s good and it’s your decision.
    Don’t worry totoo nman kaso yung marketing strategy nila ang mali.
    Yun ang ayaw namin. kaya nag – withdraw nalang kmi.

  347. Y says:

    Tama yan arpee dba? May PPLIC naman talaaga. Strategy lang nila ang mali.

    • Arpee says:

      true. i did some asking around, it’s prudentialife that lost it’s license not PPLIC. however, their marketing strategy is downright unethical and predatory

  348. mj says:

    i experienced this just today. sa SM North. buti kay enlightenme nagexplain sila ng maayos regarding the payment. sa SM north hindi ganun ang ginagawa nila.

    explain muna sila about savings and all that which is actually good. so i agreed naman. tapos may pinapirma na paper na may amount. ang sabi sa akin i-check lang daw nila sa bank kung ma-approve. sabi pa nung isang babae dun na kapag may tinanong sa akin kung icredit daw ba sa account ko just say YES. i was assuming that they were gonna call the bank. nagulat ako na bigla na lang nila naswipe yung card ko. good thing hindi na-approve. tapos pinipilit nila na babaan na lang yung amount. that’s when i said NO. ang nakakainis dito gusto ko na umalis ayaw pa rin nila ako paalisin. pinipilit talaga nila ako na subukan ulit ipa-approve yung amount. the thing is ayaw ko naman sumali sa kanila. talagang nakipagsagutan na ako para lang hindi na nila i-swipe ulit yung card ko. tapos may isang agent dun na sinabihan ako na “EH DI WAG KA NA LANG PALA MAG-IPON.” tama ba yun? sinabihan po ako na “KAHIT NAMAN HINDI KA MA-APPROVE MAY SWELDO NA SI CARLO (yung nagpresent) DITO.” grabe talagang experience yun. i stayed there for 1 and a half hours kasi ayaw nila ako paalisin.

    we should advocate this. i am advocating this in my facebook account kasi mali talaga marketing strategy nila.

    sana yung ibang nagkaproblem maayos.

  349. SSy says:

    Same ako ng experience with enlightenme pero walang tumawag to confirm if I was happy about the purchase.

    Legit naman PPLIC pero underhanded ung tactics na ginagawa nila to get clients. They pry on people’s naiveness and try to coax on their impulse buying tendencies kaya nga sabi nila on that day lang ung offer. Pero when you think about it, andaming arguments na pwede ka i-raise sa presentation nila. Here are some of my arguments:

    1. 5 years to pay na 90K at rate 1,610 per month tapos wait 10 years after last payment for your money to make 175K. Idagdag mo pa ung initial premium na 24K sa gastos so parang 114K ung investment mo tapos around 60K lang maeearn mo for 15 years. Ang tagal naman nun for 60K lang na gain. Parang ilang buwang sweldo lang un hihintayin mo nang 15 years?

    Eto pa. Kung follow mo ung scheme nila without them (personal saving) na 1,610 per month, in 10 years naka 180K ka na and wala ka pang iisiping payment sa bank for anything kasi ikaw nagcharge sa sarili mo. Your terms and your payment scheme to yourself. Diba mas ok un?

    2. Naraise ko ung first argument ko pero may counter sila. Sabi nila security rin daw pag sa kanila. Eto ung gusto kong counter-argument: May assurance ba ako na buhay pa ang company in or after the 15-year endeavor. Sila na rin nagsabi na nothing is certain in the future. So company nila rin kasama dun.

    Ung sa akin napacancel ko na yesterday. Parents ko naglakad ng papers kasi may work ako. Di naman daw pinahirapan. Thanks to this blog nakakuha kami ng steps on how to tackle the cancellation. Hintay ko nalang ung pagbalik ng amount sa cc ko. Follow up ko nalang pag nabalik na ung MERCI kit na nabigay sa akin. (leche nakalimutan ko pa hehehe).

    One thing we guys should watch out for sabi ng dad ko. Even to those na nacancel na ung policy and nabalik na ung money. Take measure na rin to secure your identities. Since nabigay natin ung personal information natin sa kanila, we don’t know what they will do with them. Malay natin benta nila sa identity theft organizations. Take precaution nalang and ask sa banks if we can change the card numbers but still retain the account. Un ung gagawin ko once nareverse na ung money.

    Pwede ba natin request sa PPLIC to shred the original docs in our presence? Malay ba natin kung ano gagawin nila sa returned docs.

  350. enlightenme says:

    Thanks po lahat ng sumagot sa katanungan ko..

    Hi po to landline kasi ako natawagan to ask if happy ako to avail or not eh…anu ba number binigay mo? Edi hindi ka rin pinilit ng sales agent unlike nang mga comment ng iba dtio?

    Base sa explanation and pagkakaintindi ko kase nga matanong ako hehehe..5 years ko babayaran then stop na payment ko then my waiting ako 10years before ko makuha yung maturity amount. During those period na hindi ako nagbabayad protected ako (ayon sa kontrata, binasa ko siya).So if ever may mangyari sakin kahit hindi pa tapos ang pagbabayad may makukuha yung binigay ko na beneficiary. Kung bibilangin mo talaga kaya talaga natin ipunin yung amount with in 15 years, pero ang offer nila kasi with protection..alam mo yun habang nagbabayad ka or nagsasave ka protektado ka (wow whisper with wings,heheh). Naisip ko rin to, in 5years of payment sa kanila , nakasave nako ng almost 160k, if ilalagay ko siya sa bangko, and iwanan ko siya dun ng 10years magkano ba interest na madadagdag?

    To arpee: thanks po.. buti na lang legitimate yung philippine prudential life….

  351. kindred says:

    Ganon din nangyari sakin kaso ngaun ko lang narealize, nakapag swipe sila sa account ko ng P16800 tapos nakapagdebit na sila ng 3 months marefund ko pa kaya un? 1610 every 15 day of the month, decided na me pacancel makuha ko pa kaya full amount na nakuha nila sa account ko?

  352. djme says:

    God Damn i’m so worried about my CC, ngaun lang kc ako nakapag open ng net.kaya ngaun ko lang nasaba n scam pla ung PPLIC n yan. maclaim ko p kaya ung money ko? it’s already 1 month n nila nadebit ung 20,500 php saken eh. but i did already block my CC a week a go n.

  353. Lee says:

    Thanks God!!! and thanks to this site, i got my refund yesterday morning 16,180… :)

  354. S says:

    I’ve got my refund as well. Thanks God and to arpee and to all who posted helpful tips here. Thank u. I hope you can settle yours.

  355. enlightenme says:

    hi to everyone.. share ko lang po….

    Tumawag ako sa Insurance Commission and nagtanung para masure ko rin.. Sabi nila wala pa raw life insurance company here in the Philippines na nagclose or bumagsak. Mahigpit daw ang insurance commission when it comes to life insurance. Sabi pa every year daw kasi ang insurance commission pumupunta sa bawat life insurance company to review the book (indi ko matandaan kung anong book eh,,basta book daw) if okay pa yung company if dapat pa ba sila magbenta ng insurance. Eto pa magkaiba daw ang life insurance sa pre-need company,..ang life insurance daw regulated ng Insurance commission at ang pre-need eh under daw ng SEC, at ngaun daw ang SEC is under Insurance Commission na rin. Monitored daw talaga lahat nang life Insurance..Suggestion nung kumausap sakin, its better daw basahin daw yung nasa contract..

    hope everyone concerns will be addressed properly…

  356. O says:

    Basta ako, no problem na ako. Kasi naibalik na sa akin ang aking pera..mag-iipon nlang ako sa banko. Sure pa na tutubo ang pera ko kahit konte..hehehee.
    Sa inyo nlang yang insurance nyo.. :)

  357. C says:

    To everyone:
    Nasa Iloilo na rin daw cla. Kaya mag-iingat!

  358. Kayla says:

    Hi, Last Feb 9, lang ay na sway ako sa ganitong type ng scam, 18,000 ung dinebit nila sa account ko and now reading these comments I really think it’s best to cancel my policy. Maling mali ang way nila para makakuha ng clients, I think the Insurance Commision should act on this. Kasi kawawa naman ang publiko n niloloko nila.

  359. Kayla says:

    Pls. Help about the steps kung pano makkarefund at gano katagal bago maibalik…

  360. KERI says:

    Grabe hindi po ako nakatulog, at umiyak me ng todo…I have 42K in my atm at ang nadebit nila sa akin kahapon ay 18,700 OMG!!! Grabe ung strategy nila para mapaoo ka…talagang pinalibutan ako ng mga sales agent nila at kinonvince na iswipe ung card ko…para daw i check kung okay sa term nila. Go naman ako…then bigla nalang sila ng nagdebit ng 4 times, first is 14,000 then 2,200/ 1,610 (payment for Aug) at 365…. nagulat nalang ako dahil sarado na ang mall…11:30 Pm nako lumabas…at hindi ako natuwa sa nangyari sakin…i didnt felt secured parang feeling ng naholdap…Pls…sana naman PPLIC tigilan niyo na ang ganitong uri ng scam…Mr. Henry Sy, wag niyong hayaan na siraan ng ganitong scam ang credibility ng SM MAlls…dahil nagha-house kayo ng scammers…ang lupit talaga ng siste nila. Sana lang makonsiyensiya sila…at matuto ng tamang asal.TANDAAN ANG PERANG KINUHA SA MALING PARAAN AY MADALI RING MAWAWALA….KAYA PPLIC itigil niyo n yan or else yan ang ikababagsak ng company niyo!!!!! Ibalik niyo ang pera namin!

  361. C says:

    @ Kayla
    Just read my message above. Hope it will make happy a bit. ^^

  362. An says:

    @ c
    wat is cc? almost 13k. do i need to do separate letter of complaint? tnx my response nmn agd?

  363. An says:

    panu approach ang gagawin ko? do i need n mgsungit? begging? anu mga risons n cnbe nio?thank u rili nid help….

  364. aj says:

    narerefund un.. tinatakot lang kau nila.. otherwise magsumbong kau sa insurance commission… o magwala sa loob ng opisina…

  365. aj says:


  366. mixel says:

    Nainvite na rin nla ko na makinig ng presentation nila. They told me it will a
    only last for 30 mins. and it took me 2 hrs.inside. Sa simula pa lang naramdaman ko na there’s something wrong. Ung office kasi nila maingay may parang disco music. Isang way nila un para maconfuse ung kausap nila and hindi makapagisip ng maaus. I even asked the agent talking to me, bkit credit card ang ginagamit nilang basis para maqualify na sumali sa kanila. Nakakapagod sya pakinggan kasi dami dinidiscuss.. Nung kinukuha n nya card ko dko talaga binigay. and lumabas ako. hinabol pa ko gang sa labas. mawawalan daw sya trabaho sa ginagawa ko. Pero sorry sila. d ako tanga na magpapauto sakanila. sana lang marefund ng iba ung pera nila.

  367. todonato says:

    dapat ganun ang gawin nung ibang tao..i salute mixel sa ginawa, kumbaga pananindigan nya yung desisyon nya na hindi siya mag-aavail ng plan..diba wala namang nagawa yung sales agent, its a proof lang na kung ayaw ng isang tao, kahit hiramin nila card mo indi m ibibigay diba? so its a good lesson para sa ating lahat yung nangyari kay mixel. sana na nga lang lahat

  368. mm says:

    nakaattend na din ako ng presentation dito phil prudential. but my experience is good naman even though lumampas kami ng 45 mins but about the product, maganda xa. i presented my citibank visa na card but im not decided by that time since malaking halaga ng pera din ang pinag-uusapan dun. So i decided not to avail muna kasi di pa nga ako ready. actually, savings is good. with their seminar i realized that we need to save as soon as possible. though hindi ako nakapagstart ng savings sa kanila, nagsasave na ako ngayon for my family’s future.

    i dont think lang na if ayaw mo talaga they can’t force you naman eh.. its impossible naman na pinipirmahan mo na pala ang isang contract na di mo naintindihan o nabasa.

    every bussiness have it’s own stategy, to attract client.

    Godbless all!

  369. jona says:

    Hi, first of all I am a licensed insurance agent. I went to PPLIC last Feb 12, just to see how they make transactions. I commend their strategy for attracting people to go at their office and listen to their company presentation. Sino ba naman ang hindi ma-hook kung makikinig ka lang sa kanila in 45 mins at yun pwede ka na maglaro to win a brand new Honda Civic. It’s just that… at first they won’t tell you their selling you an insurance policy. Their gonna give you situations, and ask you to be participative with their questions regarding the benefits of saving money in the future. It’s like their opening your mind to various possibilities of investment.

    They say they want to promote the company by word of mouth. Delinieating Philippine Prudential Insurance to Prudential Life… Okay fine.

    But why do they only target those with cash at hand…those with ATM cards amounting to 30K plus and Credit Cards.

    Is it because kapag nabola na nila yung tao its good as right at that moment me insurance plan na siya? That at the moment she/he agrees pwede na i-swipe kagad yung card at ma debit ang malaking amount.


    Ang pagbili ng insurance ay dapat pinag-iisipan ng mabuti because it’s a long term investment. Yeah its true that its a savings with 100% protection but that truth is even the company’s existence is always at risk. Hindi ganon kadali kumuha ng refund…kpag nagsara ang kumpanya…

    And while, we hope for a better future…sometimes we are blinded by deceit and misrepresentations.

    When they debited the said amount base sa short discussions niyo. And while you feel at that moment its a good way of investment, you’ll easily agree to them…and sign the Authorization to Debit. Not knowing kung ano ba talaga ang pinapasok mo…

    They won’t be discussing you the “real” terms and conditions…unless they have debited you an amount. I asked them about giving me the contract at first but they wont. They’ll just say that its a good investment.

    Their eagerness to pursue you to get the insurance policy ends when they already got the money. Then they’ll ask you to sign documents…and then afterwards a BIG THANK YOU….

    Then after more than 2 hours of talk…you’ll get to play for the HONDA CIVIC…
    OH diba astig… Your motivation is to win…

    But in that event sometimes you got to be the BIGGEST LOSSER…

    Cause hindi mo naman talaga naisip bumili ng insurance sa mall.
    You’re just hanging out with some friends …when someone approached you that it’s free and that you don’t pay anything…

    BUT WHY DO THEY NEED A GUARANTY…That you’re rich …and has a big amount at the moment… Why???

    It comes with a HIDDEN PLAN.

    And after long thoughts after you have received and read your insurance folder…You’ll ask yourself…”Bakit ganun ako kabilis napapayag? ”

    “Do I really need this?”
    “Can I sustain myself for paying the said amount monthly?”

    WELL EVERYONE…should have an enough savings for their future…INSURANCE POLICIES ARE GOOD INVESTMENTS…THAT’s A NO DOUBT.

    But i would just like to share this thoughts not because naninira ako or something, I’m no longer in the business of selling insurance policies…I left for my own reasons…

    AS insurance agents we should have this conscientious effort to be transparent with our clients. Sabihin mo you’re here to sell them insurance…kasi eto yung benefits…

    You don’t conceal the truth just to make sure this person will get a policy and as an agent get and be on top of quota….


    Kapag sinabi ng client “pag iisipan ko pa”…You don’t ask your fellow agents to help you convince her.

    After all you just said its a company presentation…right???

    I hope everyone gets the idea of what I’m saying…
    It differs, maybe sa ibang branch ng PPLIC iba naman ang approach…
    Ganun din but their saying straight on your face… “I’m gonna sell you an insurance policy…”

    And yes to those who need any help. Pls. Get in touch with the Insurance Commission…they will help you with that.
    And try to ask the IC how many complaints their getting and you’ll be shocked.


    Your blog is an eye opener para sa mga taong nagulat sa mga pinasukan nilang decisions. I hope everybody gets the lesson … that if you have doubts…don’t say yes at the moment…sabihin mo you’ll think about it…And when the time comes you find your really interested…then go…bumalik kas sa PPLIC cause you think its a smart decision.

    And to those agents, that can’t accept a NO….Please, learn how to RESPECT people’s decision….



  370. Ayen says:

    Hi, when I searched about Philippine Prudential Life … I read an online news that the company is growing and in stable condition. Saying more than 1, 000 policies are being sold monthly…WOW.

    But what if 500 of those policies were being cancelled cause they really have no idea why they signed up for that plan. What if dahil nahila lang sila sa mall eh nag go na sila na bumili ng insurance like me… Na convince in more than 2 hours na maganda siyang type of savings account…

    And after reflecting over what happened you’ll realize… what have i done???
    Kanina lang po ay nabentahan ako ng insurance plan, with initial premium of 26,600….5 years to pay/ 10 years endownment.

    Since I’m only a student, at thrilled sa mga ganitong pakulo sa mall na libre…at walang babayaran… Why not listen to them in such a short period and win a Honda Civic or $10,000…

    I got my credit card from my mom last week, that made me qualify sa promo nila.
    But then because I didn’t realize what I was being offered to… nag go ako para ma swipe nila ung card ko. Kasi their saying they’ll be checking my bank if its okay with their system sabi ko okay lang. And then me pinapirma sila sakin na paper, asking me to sign approved printed name. Nagulat nalang me ng after maswipe nakita ko me fill up na ung amount sa paper, 26,600. At yun din ung nilagay nila sa machine after and then I pressed for my pin code.

    Gosh…nagulat talaga ako. But their assuring me that its a good investment.
    Halos maiyak ako when I checked my card and its true na debit ung ganung amount.

    I was just gonna shop for a pair of shoes with a budget atleast 2K.
    Hindi nako nakabili at tulala nalang akong lumabas ng SM habang kipkip ko ung insurance folder… Thinking if I lost this… parang nagtapon ako ng 26,600.

    Pagdating ko ng bahay nakita ni mommy ung folder and told me how could I have been so stupid… We already have an insurance policy pala…

    All the while kasi I thought its a savings account…
    kaya naman napa OO ako.

    Right now, my mom is consulting a lawyer to draft a letter of cancellation and to transact business in behalf of me. Hindi ko kaya humarap sa knila na mag cancel ako kasi baka mapahiya lang ako at magmukhang tanga sa harap nila.

    All I’m praying is sana mabalik po ung pera ko…
    I don’t think me nanalo sa car promo na yun. Sana macheck din siya ng DTI…kasi baka behind that me fraud pa rin.

    At yun yung way nila para maka attract ng clients.
    Sana wala nalang sila sa mall …
    Sana sa labas nalang sila nagbebenta…
    Bakit ba kelangan mangharang pa sila…

    Balitaan ko nalang kayo regarding my complaint.

    Thank you sa mga comments… Siguro talagang ibat iba ang style nila kada branch pati ung approach ng mga sales agent.


  371. KAYLA says:

    Fuc*Sh*T. while reading these post I saw my teacher MS. Jennifer Sunga (Posted Nov.4, 2009) was also victimized like me….GRRRRR

  372. Leah says:

    Hello, pag atm card at Bank of Commerce siya kelangan pa ba ng dispute letter sa bank. Or like, I’ll fax a letter to my bank informing them na me marerefund ako within 30-45 days na 20K. ????

    Thanks :)

  373. C says:

    @ Jona
    Nako salamat sa mga nabsa ko dito mula sa iyo. Tama lahat ng sinabi mo. Sa ngayon tumutulong nlang ako sa mga nangangailangan ng help dito. Sa akin nga yun ang nasabi mo na hindi nila ipapakita sa iyo yung policy itself unless hindi pa nila nakuha yung amount na gusto nila o na present nila sa iyo.. Ang sa akin nga nkakuha cla ng almost 40K as initial premium. Pero naibalik na sa account ko. Buti nlang at isinumbong ko yung ginawa nila sa akin.. ^^

  374. Z says:

    Yang Manager jan sa iloilo PPLIC branch..mukhang mabait pero hindi rin niya ina accept yung nag ask ako ng cancellation kasi na downgrade na daw. E pwede rin nman pla mag cancel noon na hindi pa nkadown grade ah..tapos sabi nila hindi raw down grade lang.
    Tapos my assistant manager pa jan na mukhang suplada..hay nku..ewan mga sinungaling talaga yan cla!!!

  375. giegs says:

    to ms ginny
    I knew you are dropping in this site to read the comments here. You have promised to give my refund after 15days. But it’s nearly 30days wala pa akong natatanggap na refund. What’s in your word all about? I have called at PPLIC office looking for Carla but I can’t reach here. Somebody said she is not around.My next call again, she just took her break..I don’t want to make any comments sana here kung nandoon ang “word of honor” sana from all of you..The next time I’ll post here sana hindi na ganito ang mga linya ko..

  376. Z says:

    @ giegs
    You know hindi butin nga sa iyo e 15days yung sinabi. Sa akin is 30 days talaga and you know what? Umabot din ng 60 days bago naibalik pero huwag kang mag worry kasi ibabalik din yan ni Ms. Ginny. Mabait nman yan sya kaso lang yung sa akin nag ka probs. lang kunti sa bank pero nag worry din ako noon kasi nakabayad na ako nga almost 4 months kasama na doon ang interest. Pero naibalik din nman. God is Good talaga. ^^

  377. omz says:

    naku nung last friday po nabiktima din ako sa SM mega Mall. sabi kasi ittry lang daw ung credit card ko kung papayagan daw. Eh hindi ko naman alam na ang ibig sabihin nilang “ittry” isswipe na agad pala. Wala na akong nagawa total sabi ko for insurance naman to. pero after reading all thses messages mukhang natatakot na ako. anu ba dapat gawin.nag email na ako kagabi sa kanila at dun sa Ms Ginny at naka-cc sa [email protected]. Pero hanggang ngayon wala pang reply. natatakot ako baka hindi na maibalik ung pera ko..Anu po ba ang magandang gawin?..tulungan nyo naman ako.

  378. omz says:

    sino po ba may alam contact number ng Insurance Commision? Pwede naman sigurong tumawag na lang dun and i raise ang ganitong sitwasyon.. Guys i really need help,

  379. jem says:

    naku,nabiktima rin ako nyan last feb 12 lng.hay,pno b dpat gawin pra mcancel ung policy? mas madali b if sa main office pumunta or sa sm pamp? sbi kc ichecheck lng daw if maaprove ung credit card ko,ako nmn c tanga binigay nmn, feel ko nung time n un e nahypnotized yta po.tnx..pano rin mkakakuha ng letter of dispute from the credit card company?tnx po..

  380. well says:

    it shows na iba iba pala approach ng mga agents sa branches nila..nasisira yung ibang agent na ginagawa naman ang trabaho ng maayos dahil sa ibang agents tsk tsk. buti may customer service sila na trying to help para maresolve mga nagiging problema ng mga clients nila..

  381. gie says:


    hi.. just wanna ask ung finance charge u b nareverse din lahat? pwed p kaya mhabol ung sa akin october november december p. n refund ko na ung sa policy ko pero ung interest nd p..

  382. Richmond says:

    Hi, gusto ko lang po sana magtanong.. hindi ko pa nabasa lahat ng comments nagstart lang ako sa bandang simula.. pero I really need help po kasi.. Based on what I’ve read and like most of us here, nakuha nila ang pinaghirapan kong pera yesterday lang Feb. 14 dun sa SM Fairview branch.. ATM Card ko po ang ginamit. at first, ung P48K plan ung binigay sakin, then nung nasa confirmation part na nagbago ang isip ko so na-wave nila un at mababalik lang daw after 30-45 days. tapos nadala nanaman ako sa Sales talk, instead of P48K, ung P22K plan nalang daw.. Na-realize ko na hindi ko naman talaga kailangan to lalo na’t nalaman ko na meron na palang inilaan sakin ang mom ko for insurance. Naubos lahat ang laman ng ATM Card ko, 70K ung original laman nun.. Ngayon pupunta kami dun from work para i-cancel lahat.. Makukuha ko pa kaya ang buong perang nabitawan ko? Please help po, I really need my money.. sobrang pinaghirapan ko un and honestly hindi talga ako mapalagay ngayon.. First job ko kasi and first time kong na-experience ang ganito.. I’d highly appreciate you help guys.. thanks!!

  383. Jacky of Prudential says:

    Go Prudential!!! keep on screwing people, its just a matter of time for your company..

  384. P says:

    Pinagpapala nman ang mga mababait.. Kaya hwag matakot maibabalik din yang mga pera nyo! Promise.

  385. Z says:

    Don’t worry. Ibabalik din yan ng bank once na maibalik na sa iyo yung amount na nkuha nila sa iyo. ^^
    God bless..

  386. An says:

    want to ask after ko email and fax my cancellation letter to ms ginny, wat will i do? tnx a lot

  387. gie says:

    @ Z
    Thanks.. nag fax n me ng letter s Bank ko yesterday lang requesting to charge back all the finance charges applied.. Wait pa ako ng response. Hopefully maibalik dn , sayang dn kc un.. Pera dn un…

  388. giegs says:

    i have called yesterday s bank and i was informed binalik na ng PPLIC yunbg denibit s akin..i’ll just wait for the billing statement within this week sabi s akin ng customer service.God is good..For those who have not received their refund pa try to follow-up s main office nila s ortigas.Look for ms. ginny stamaria. She’s the one i have talked with.Or look for Carla for assistance..I’m so thankfull for this site at s mga taong nagbigay ng tips kung panu maprocess ang pagrerefund. And more power to Arpee..

  389. giegs says:

    naibalik na yung nakuha s akin jing…follow-up m na rin ang sau.nd ko pa nakuha yung billing statement ko but the customer service told me na nirefund na yung nadebit s akin..just pray jing..ibabalik rin yun sau..godbless

  390. ivy says:

    hi richmond my sister and i will be going to thye main office today. they cancelled my policy lastweek. ill be giving the documents later. if you wan tto join just go to the main office in ortigas. yes maibibigay nila buong money mo. doon ka sa main office pumunta mababait sila doon.

  391. page says:

    I had the same experience with englightenme..I don’t know kung bakit ganun nangyari sa inyo and I’m thankful na hindi ganyan nangyari sakin. I wish all of your problem will be sort out soon. Hopefully others may not experience the way others had. Actully tatlo kaming kumuha ng inalok far, so good naman service nila. The customer service through phone man or sa mga branches nila very accomadating naman sila.

  392. jingjing says:

    @ geigs
    nag naku ate.. sabi sakin sa email ni ms genie na that my refund was already sent to the their processing bank.. 7 days daw bago mareflect sa account ko urn refund.. today is the 7th day. i am hoping na mabalik nila today.
    and oo. those who want to cancel their plans they better go to their main office and look for ms. genie..
    sana mabalik na nila yong pera na nakuha sa cc ko.. and good luck to all.

  393. jingjing says:

    i hoping that the money will be back today.. since bank to bank process hindi naman tatagal o aabot ng ilang araw or weeks.. minutes or hours lang yan.dba?

  394. acer says:

    hi im just thinking why do others do this kind business if it could not help others?
    Or bakit pinapayagan ang ganitong klase ng gawain sa pilipinas?
    bakit kayang gawin ng kapwa nyang manloko ng iba?
    ….its so sad to know this….

  395. Jona says:

    wow, I can’t believe na after 3 days ay me mga post na ulit regarding PPLIC….
    If you’re familiar with FAMILY FIRST na pre-need company na na feature sa XXX kaya bumagsak…Well lets wait and see nalang if hindi matulad ang PPLIC dun…Anyways…they said inacquire ng PPLIC ang Family First,…dun yata nila nakuha yung bad marketing strategy nila…

    I hope maliwanagan sila…Kasi tambak na ang reklamo sa INSURANCE COMMISSION…
    And I just can’t believe bakit even 48 hours after u paid ur premium at magpacancel ka ay hindi kagad nila mabalik ung pera…

    Kasi ginagamit pa nila as revolving fund…OMG…

  396. Jona says:


    Gano katagal nabalik sau ung pera???

  397. jingjing says:

    di ko pa rin nakuha yong pera.. bakit ganun? tama ba ako na di naman siguro aabot ng ilang days or aabot pa ng week yong bank to bank account? it is just a matter or minutes or hours maybe.. right?
    huhuhu.. dont tell me that even ms ginny nagsisinungaling din!!

  398. Cherlyn says:

    hi everyone…first of all, happy ash wednesday to you guys….thanks be to God coz finally i already got my refund of 16,800 yesterday!!!!!…tawagan nyo lang palagi and PPLIC…in my case, i called them evryday…cguro nakulitan na sila sa akin kaya it just took 2 weeks for the refund…just keep on praying to God and it will surely be granted….God bless to you all….

  399. pete says:

    Hi guys I’ve been a plan holder of ppl for about two years now, yes it’s true and I just want to share my thought about this issues regarding the company.
    The company is facing a lot of complaints from the client, oh well base on the comments here. What do you think guys are the problems? Customer service? The Agents? The product? The company? The clients?
    Seriously, as a two year member of the company I may say that I have not encountered any problem yet with the company, a good point for their customer service because I would say that they trained the people to entertain the client’s concern well and they doing it quite pretty.
    For the Agents, OH well, how I would say this, they are good in terms of persuading clients to avail their offer, magaling talaga and sa mga nagging clients nila tau ang makakapaghusga dun.
    Each insurance companies has almost the same package of endowment plan they are offering,
    Well, ppl is 46 years now ang ppl in the business, and I hope will stand strong til the future.
    We the client are the answer, we are the key for everything, and all decision is to be made by us. Kumbaga lahat nasa atin, anu man ang decision natin tayo ang may karapatan dun, don’t let other do the decision para sa atin.
    Sa mga issues ng company I hope it woule be lessen as well as mga nagcocomplain. Sa mga nagcocomplain. Maybe patience is needed they will attend naman kayo by the customer service.

  400. jingjing says:

    hahay.. until when kaya ako mag-aantay?
    sino bang may alam sa mga banko dito? may alam sa mga money transfer?

  401. jem says:

    pg pumunta b sa main office need na isubmit lhat ng documents? or the cancellation letter first? tnx.

  402. C says:

    @t Jona.
    2 months din yung sa akin bago naibalik kasi nag ka problema daw cla sa banko. Ewan ko lang kung totoo. O baka ginagamit pa nila yung money ko as revolving fund nila..OMG!

  403. C says:

    antayin mo lang jing. Ibabalik din nman ng bangko pati yung interest sa cc mo. kaya don’t worry. Ganyan din ako noon. Nagalit na nga ako e..kaya sa wakas ibinalik din nila. hehehe.

  404. gie says:

    just wait lang until 10 days. ganyan din kasi ako dati. Sabi ni miss ginny 7 banking days daw pero inabot pa rin ng 10 banking days. basta update u lang lagi sa bank u..

    Cancellation letter muna.. Pero ok lang n dalhin u na rin lhat ng documents mo but be sure na may xerox copy ka rin nyan..

    Goodluck guys….

  405. jingjing says:

    @ C
    hi c.. what do you mean interest ng cc?
    yong bang binayad ng interest sa bank mo is ibabalik din ng PPLIC? is that it? just want to clarify.. thanks

  406. jingjing says:

    @ gie
    why is it na aabot pa ng 7 banking days bank to bank na nga yan so dapat mabilis na dba?
    hahay.. wla na akong magagawa but to wait.. uhm.. 7 banking days is monday to friday.. then monday and tuesday.. right? :-)
    so if 10 banking days.. means 2 weeks u nag antay non? tagal ha.. bakit nga ganun?

  407. jingjing says:

    wait..sabi sakin ni ms stamaria na 7 banking days, bat kang C is nakuha nya after 10 banking days na.. so what if ater 10 banking days di pa rin mabalik…what will i do next?

  408. gie says:

    @ jingjing
    hindi ko rin alam kung bakit na-de2lay..Maybe hindi pa nareceive ng bank mo ung CREDIT MEMO galing Bank of PPLIC. But don’t worry, sure nmn yan basta sinabi ni Miss Jinny..

  409. jocel says:

    Hi I am Jocel from Cebu,I had the same experience like you guys.last sunday Feb.14 ,2010 when I am in SM city mall cebu

  410. jocel says:

    Hello Guys pahiro tayo ng experience dahil muntik na rin akong maluko nong febuary 14 nasa SM mall kami nang asawa at mga anak ko bigla nalang na may lumapit sa amin na bading at nagtanong kung gumamit ako ng cc ako naman ang honest sinabi kong yes dahil magaling manloko sabi kasi pag nag use ako ng cc may promo daw sila pwede daw na manalo ako ng brand new car and 10 thousand USD hinila ako ng bading sa second floor dahil daw may interveiw 15 minutes lang daw pag tapos ng 15 mins.sabi ni Jona ang nag interveiw sa akin another 45 mins.sabi ko gusto ko nang lumabas dahil ang asawa kot anak nasa baba tapos ayaw pumayag nila pag tumayo ako sa upoan may dalawang babae at isang lalaki na gustong pumigel sa akin tapos panay interveiw about my personal life ang sabi ko ano ba talaga ang kailangan nila sa akin sabi wag daw ako matakot dahil wala daw mawala sa akin tinanong pa nila kung magkano ang limit ng cc ko sinabi ko pa ang totoo dahil hindi naman ako tanga na ibigay ko sa kanila ang card ko para i swipe nila…alam kong gusto nilang manluko dahil turoan kapa kung ano ang i answer mo sabi yes lang daw ang i answer ang sabi ko ano ba ang question bakit gusto nila na mag yes ako sabi sabihin mo muna na yes sabi ko i said no gusto ko nang lumabas sabi hindi pwedi dahil tinanong daw nila ako sa labas kung deal naba ako sabi ko daw na deal din I told them yes i said that because the question is you want to win a brand new car then i said yes sino ba naman ayaw manalo na brandnew car hindi naman nila sinabi na magbinta sila ng insurance.kung gusto ba naman nila mag binta ng insurance bakit hindi sila magsabi ng totoo sa tao tapos sabi pa na gusto nila i swipe ang card kung ok paba hindi ako pumayag hindi naman ako tanga na bastabasta nalang madala nila pero hindi rin ako uminon na kahit anong alok nila baka may hypnotize pa ako katulad nang iba siguro pinainon sila ng kung ano yun kaya sila napapayag.gusto pa niya mahiwalay sa akin ang bag ko sabi ilagay mo yung bag mo sa bakanting upoan sabi ko ayoko nga tapos sabi yung kamay mo ilagay mo sa misa ayokong makinig sa kanya nagtaka ako bakit dinidiktahan ako kung anong gawin ko sa bag ko sabi pa wala namang i million na mawala sa bag ko hindi lang nila alam kung anong laman nang bag ko.tapos kahit malapit na malapit na ako sa kanya hinihila pa niya ako gusto bang malapit na malapit sa kanya…tapos ang nasa isip ko nag prayed to mama mary and santo nino dala dala ko ang travel image ni sr santo nino…sana lang mahuli na yan sila para wala nang maluko pa nila kawawa naman ang iba na naluko nila.sana kung gusto man nila na magkaroon nang magandang trabaho wag ganyang trabaho ang pasukin nila dahil naniniwala akong may karma babalik din sa kanila ang ginawa nila sa mga inusenting tao.

  411. delia villa-bagolcol says:

    Hello everyone,

    My sister was also victimized last Monday at SM City Iloilo City. P9,835 was debited in ther savings account. (atm) . On tuesday, she returned to withdraw her application. She was required to write a letter of withdrawal and was received by 2 customer service staff. Her OR and polcy contract were required to be returned. What she had was a copy of the statement of account with no signatures and a copy of the letter of withdrawal.

    Yesterday, I accompanied her to get the OR and copies of the policy and other documents. At first, they would not give but we had a heated argument and they gave us photo-copies and a certification of withdrawal stating that is being processed for cancellation and it will take 30-45 days before the money will be returned to my sister’ account.

    Last night, i have plans to contact the head office but I decided to search the internet and i found that they have many victims and it is a scam. I am now doing actions re this scam. I contcted the PNP for police blotter, I am now contacting the prosecutor’s office and commission on human rights and nbi to form a team of investigators. i am also contacting SM City Management to ask them to have some actions and not to tolerate this scam of one of their tenants. Pls. inorm me if you have received your money back within the period stated. I will keep u informed of the actions done or to be taken.

    God bless everyone.

  412. Richmond says:

    @ Jocel, saktong sakto katulad din nyan ung nangyari sakin.. sa SM Fairview branch naman ako.. Nung Feb. 14, manonood lang sana ako ng movie eh hinarang ako ng isang agent nila tinatanong kung nagtatrabaho na ako, nung nalaman nilang taga-Convergys ka talagang hahatakin ka nila.. sabi sakin may chance na manalo ng Brand New Honda City tsaka P800K worth of cash.. walang fees basta maglalaro ka lang.. eh ako naman syempre kung wala namang mawawala why not diba.. tapos ayun dinala na ako sa main office nila: Danvil/PPLIC, tapos sabi bago daw ako makakapaglaro ay kailangan munang i-introduce ung Company sakin which will take just around 30-45 mins.. eh ako kasi first time nangyari sakin toh sa buong buhay ko kaya go lang ako wala akong clue.. di ko alam na pwersahan ka pala nilang pagbebentahan ng insurance.. sa una dadaanin ka nila sa small talk, tapos magsh-share ng mga kwento sa buhay hangga’t parang magiging ka-close mo na talaga ung Sales agent.. tapos honestly ung mga terms nya parang nag-iiba na masyadong nagiging complicated.. parang sinasamantala nila ung ignorance mo sa ganung bagay kasi malakas ang chance nila makabenta kapag ganun.. ayun, tinanong ako: “Kung bibigyan ka ba ng chance na makapag-save ng pera ngayon, papayag ka ba?” sagot ko naman syempre oo, tapos tinatanong magkano laman ng atm card ko.. ilang beses akong umayaw hangga’t na swipe na nila at nakuha ung P48k.. sinabi ko ayoko na at kung pwede bang ibalik ung pera.. kinausap na ako ng Supervisor at parang sila pa ang galit kung bakit hindi ako pumapayag.. tapos umaayaw parin ako, ngayon ung Manager naman ung kumausap sakin.. masyado na akong na-pressure, so napapayag nila ako sa mas maliit na plan, instead na ung P48k eh P22K nalang daw.. ubos lahat ng laman ng ATM card ko.. tapos kukunan ka pa ng Customer Relations nila ng Video na interview kung masaya ka ba sa decisyon mo… 2 beses akong umayaw tapos ibinalik ako sa manager hangga’t na persuade nanaman akong pumayag.. umuwi akong parang hostage.. mantakin mo from 6pm hanggang 10:30pm ako dun sa office nila.. kinuwento ko lahat sa mom ko, nainis at nagalit sya.. ba’t daw ako nagpadala sakanila at hindi ko alam na meron na pala akong insurance plan na sya ung nagbayad para sakin so hindi ko na kailangan toh.. bumalik kami after 2 days, nagsigawan kami dun kausap ung Customer relations manager.. hangga’t na napapayag silang magbigay ng refund at mabuti’t full amount.. kaya lang 30 days pa daw makukuha..

  413. C says:

    cc is credit card account. Ang banko ang magbabalik noon once na maibalik na nga PPLIC yung money na nkuha nila sa iyo. Kaya don’t worry. E follow -up mo lang parati ky ms. ginny. ^^

  414. Jona says:

    Anyone here, who got the same reply from MS. GINNY when you emailed her regarding cancellation.
    My friend Krista got this reply:

    Good Day Ms.XXX-!

    Thank you for your email today.

    Please be informed that your refund is currently being processed.
    I have already conferred with our Finance Incharge to do their best to hasten the process.
    We do understand your predicament and we will see what we can do to assist you on this matter.
    You will hear from me again after I get feedback from our Finance Incharge.

    Best Regards,

    Ginny L. Santamaria

  415. Jona says:

    I think she’s doing her best, but lets just all pray that the company does the necessary refund. I mean the earlier you cancel, same us you get your refund. But I think this just applies to those na kagaya ng friend ko…hindi ganun ka pinag-isipan ang pagkuha ng insurance plan.

    I believe that all the insurance companies, go by the mandate to serve the people…
    It’s just that there are certain strategies and situations that affect the credibility of the company.

    If people from PPLIC are reading this blog. Maybe you guys need to be enlighten… An agent’s misrepresentation or unethical practice kills the image of the company.
    I can’t help but pity the company, kc all insurance plans are designed na umalalay sa mga tao sa panahong kailangan nila ng assistance…
    But not in this way, If you guys want loyal clients…make them believe in your capability to insure your clients future.
    Don’t just convince them for 45mins and half saying good words that mislead them to your company’s ideals… Give them chance to think things over and not ask them to sign immediately…don’t put force (too much persuassion) yes…its a common practice among other insurance companies…but be different … create your own image and build trust and credibility to client. No one knows the how long the company will exist…its the same predicament most of people in this blog felt. But yeah like PETE said…the clients are the ones who ensures the good business environment for the company. Love and take care your clients coz they’ll give it back. What you do to others…is what others will do to you… law of KARMA… Plant good things and it will also bore you great things.
    Simple principle that you guys hopefully won’t forget. To my fellow insurance agents(to all of u), don’t try to lose your good morals over getting your quotas, commission or promotion. Don’t work your asses in serving a company that wouldn’t give you great opportunities, but opportunities to get against people.Its bad and will get back to you. Up to this moment, my friend Krista hates those agents that deceived her.

  416. Jona says:

    *Maybe you guys need to be (enlightened)— ERRATA

  417. Ayen says:

    Utang na loob PPLIC…Itigil niyo na ang balak niyo na pagtatayo ng branch sa SM LIPA para dumami ang mga maloko niyo. Hindi kayo papayagan ni Gov. Vilma sa mga plano niyo na makapanloko….Unless magbago kayo ng strategy para makabenta ng plan niyo.

  418. Jona says:

    Let’s not judge what PPLIC-SM LIPA would do in targeting clients…
    Baka naman maiba sila.
    Or they can establish a new way of building clients. :-)
    Calm down …God is always with those who believe in HIM. :-)

  419. Carlo says:

    Can anybody help me? I had the same case last October 30, 2009 at SMCT, Iloilo. Naswipe sa akin was the amount of 96000 as initial premium. 7 days after, I returned to withdraw sana but they won’t allow me to do it for a lot of reasons. Then they downgraded the premium to 50%. Would I have the chance to withdraw or cancel this? I would really appreciate it if you can extend me the help I need. Thanks.

  420. gie says:

    @ CARLO
    Magpatulong ka na lang sa INSURANCE COMMISSION ([email protected]), Try to email them.Tell them kung ano experience mo. And ask for their assistance to cancel your policy. indicate all the details of your insurance sa email mo. You can get full refund pag naayos mo yan.. Grabe, anlaki ng money involve sau.. Goodluck po…

  421. Carlo says:

    @ gie, thank you po. where should i complain or send my email or fax first? sa INSURANCE COMMISSION or sa PPLIC? Main Office (Manila)? or just here at sm iloilo? i need more advice PLEASE. nalilito na ako. i can’t even sleep na. worried na worried na po ako. email me at [email protected]. thanks again. God Bless you.
    @ arpee, thanks for this site. sayang nga lang at ngayon ko lang nabasa ito.

  422. zz says:

    I was able to avail sa PPl a few months ago..I cancelled the plan due to affordability, yun po yung reason ko why I cancelled the plan. The process was smooth, no hassle and naattend naman ako ng customer service nila properly. I just called their hotline then after nun they guide me what to do about my request. After I’ve done and provided the necessary requirements my request has been granted. Sabi I have to wait for 30-45 working days and that’s what I did. Ang totoo nga nyan hindi nako nkapagfollow-up sa kanila because I’ve been busy. I just found out n nabalik na pera kung when the billing statement of my credit card came. Then binilang ko yung days before nabalik was less 45 working days compare for what they said to me. I can attest na they keep their word. pag sinabi naman nila ibabalik ibinabalik naman nila,

  423. zz says:

    Sa mag naghihintay ng refund nila. just wait for it kase ibabalik naman nila yun basta sinabi nila na may refund ka. Wag po kayo magmadali although naiintindihan ko na mabilis na nakuha yung pera, na experience ko rin naman yun,,syempre may mga dinadaan din naman yun..lahat naman di ba, hindi lang naman dito sa company na to. dito rin sa trabaho ko, kahit hindi insurance to may mga pinagdadaanan talaga, syempre may mga papers rin yan…

    sa mga naghihintay na lang.. pasalamat na lang po tayo kase may hinihintay pa tayo..Buti nga may hinihintay kesa naman sa wala..right? patience..and believe to them.

  424. mira says:

    hay naku.. exaggerated yung iba dito kung magcomment,,makapagcomment lang..possible pa siguro yung sinasabi nila na hiniram yung credit card nila. Pero yung nagssasabi dito na hindi nila kayo pinapaalis sa ng office nila at umaabot kayo ng ilang oras dun..utang na loob ha..kagustuhan nyo yun kung gusto nyo yun kung nagstay kayo ng matagal dun sa office nila..anu un pinilit kayo magstay dun? dinikit ba nila pwet nyo sa bangko kaya indi kayo makaalis..hahaha..una pa lang kung gusto nyo na umalis dun..sus.. wla sila magagawa decided to stay there that long tapos ngaun..sasabihin nyo na hindi kayo pinaalis..nakikigaya lang kayo ng comment eh..

  425. Chris says:

    @ mira, it depends kasi sa Personality ng tao eh lalo na sa mga tao na mababait at mahiyain specially kung ingorante sa ganitong proseso ay mahihirapan talagang umalis dun.. Di naman tulad ng mga walang etiquette at aalis ka nalang bigla after you’re given the chance to WIN diba and first time mo ma-experience ang ganitong bgay. tsaka para ka kasing naka-HOT SEAT once andun ka na eh. ung friend ko kasi nangyari din sakanya toh.. sa strategy kasi ng mga agent dun na kakaibiganin ka talaga, then syempre mahihiya ka na umalis naman bigla na parang hindi tapos ang usapan nyo at di ka pa naka-hulog ng Raffle Ticket mo or played the game. Akala lng nya is maglalaro ka then you’ll have d chance to win either a car or $10K but you won’t get the chance to play unless matapos ung sinasabi nilang “P45 mins” na “INTRODUCTION” lang daw sa Company. Tapos titirahin din nila ang ego mo kapag na-sense nilang umaayaw ka na talaga specially kung fresh grad ka and new sa trabaho mo, na your “OLD” enough to decide on your own.. Bottom line is maganda naman talaga ang offer, pero wag naman sana in a way na minamadali ung tao na bigla bigla mag-decide at hindi na binibigyan ng chance maka-isip muna. kasi syempre malaking pera din ang pinag-uusapan. Katulad nalang na ituturo nalang sayo ung mga pipirmahan mo na papers w/o even taking the time to fully understand and read all of it. ung Ordeal na naiiwan sa mga customers ay hindi magnda. may iba hndi nakakatulog kasi hindi palagay sa nangyari. may iba hindi nkka-kain oh nag-ssacrfice pa ng time nila para lang bumalik at magreklamo, specially kung may office hours sila na work. Para sakin, halimbawa lang na ikaw ang sales agent knowing/aware na may mga Customer na ganun or may mga chances na mangyari ung mga ganito.. sana di mo na ituloy ang pagbenta or give the customer a chance to think it through kasi ang tendency is babalik at babalik din sila para magreklamo o kumuha ng refund once they had the time to realize it pero huli na’t nakuha na ang kanilang pera. Halimbawa let them consult their family and friends about this process, give them like a week or so before mag-decide and give them your number incase they made up their mind.. Diba mas ok sana kung ganun? Let’s say you can’t really expect all NEW CUSTOMERS specially the ones who never did care about INSURANCE PLANS to understand the benefits and how the process works diba.. Iba din sa mga taong in need or GUSTO talaga nila mag-apply for Insurance for their own personal reasons at mostly wala ng problema sa pera. Pero I believe this is not applicable to everyone pero dinadaan nyo lang talaga sa Massacre Marketing nyo. sakin lang, once the Customer complains and doesn’t like it, wag nang pilitin. kaya nangyayari ang mga bagay na toh eh.

  426. jem says:

    nacancel ko n rin ung policy ko.pumunta ako sa main office sa ortigas. kc nung sunday pinapacancel ko na sa sm pamp ung policy ko, tpos sbi nung agent, hnd ko na daw mrerefund ung nswipe skin, tpos if ever daw na ipacancel ko dhil sa cnb nilang ichechek lng daw if approved ung cc ko, e bka masuspend daw cla or mawalan ng trabaho, e xmpre ako nmn ayaw ko din nmng mawalan cla ng trabaho, d ko n tinuloy pgpapacancel ko,n den sun night ngsearch ako sa net at ito nga ang nkita ko,d lng pla ko ngiisa,kaya i decided na pumunta na directly sa main office nla to cancel my policy.aun, cnancel nmn nila and il be waiting for 30 days din to get my refund..

  427. jingjing says:

    @ jona
    yong sinabi sakin ni ms ginny is naforward na daw nila sa processing bank yung refund ko and antay ako 7 banking days bako mareflect sa account ko yong refund.. guess wat? until now la parin.. feb 9 ang sabi nya na nasa processing bank.. are they telling this to make us calm? always checking the account for the refund but i was checking for nothing..

    @ C
    i didnt receieve the refund yet. count the days from feb 9 until now. ilang araw nba yan.. tagal na dba?

  428. jing says:

    grabe ang mga effects because of the delayed of the refund that ms ginny told me.. been crying many nights, and so sad dahil lang sinsurance plus the delay of the refund.. it has bigger effects on my future family.. i lost the trust of the person i love. and there is possibility that i will not have him anymore..
    siguro maiintidihan nyo kung bakit ako nagmamadali sa refund.. sana pag di din pala mabalik nila sa akin last tuesday eh di sana di nag expect yong husband ko nong tuesday. eh di sana last week of fef parin ung chance ko na binigay nya sakin..hanngang ngayon la parin ang refund.. kaya galit na galit sya.. nawala nya ang tiwala nya sakin.. i lost his trust but the worse thing that might happen is baka mawala din sya sa akin..
    di ko maexplain lahat dahil personal na..basta may pamilyang pwedeng masira dahil lang sa insurance and sa promise ng costumer representative nila na di tinupad..

  429. Jona says:

    @ Jing
    Yan din ang hindi magawa ng best friend ko na sabhin sa mama niya ung tungkol sa insurance. Becuz her parents might lose their trust on her. BUT that’s life, minsan we make mistakes…becuz we wanted to do something for other people. Most of us commenting here, like insurance policies kasi it has benefits for us and to our love ones. Yun nga lang we were hastened by the process, to get the plan in 2 hours. I hope you and your husband’s relationship be strengthened with this problem. All things will come good if we hoped for it and we’re doing something about it.

    Gurl… you must respect other people’s opinion and experiences with PPLIC that they shared in this blog. You can’t say people here are stupid for letting their cc or atm card be swiped…pero siyempre it depends on certain situations and factors.
    (that most people here described…affected their decisions and analysis against PPLIC persuasion* or marketing strategy)

  430. mira says:

    @ Chirs- Okay..nandun n tau, kinaibigan ka ng mga agents that made a client decide to stay…so sino pa rin ang nagdecide?diba client pa rin? it was the client choice to stay, sabihin mo man dahil sa proffesionalism kaya ka nag stay or respect sa kausap mo or nagpepresent sau..still it was a decision by the client? sana nagegets nyo point ko…marami kasi dito nagcocomment na “hindi” sila pinaaalis, or ang tagal nang presentation or whatever, but may umamin ba dito na ngustuhan nila kausap nila kaya sila nagtagal? na dahil sa pakikipagusap nila or pakikipagchikahan nila sa agent kaya sila tumagal? wala diba? anu kaya dahilan? kasi nababasa nila dito nirapport sila or natagalan sila dahil sa kung anu anung dahilan,,ginagaya na lang nila..may dagdag bawas na kumbaga..pero ang totoo hindi naman ganun nangyari sa kanila…Eto pa,, the fact na nagmamadali ka,,bakit ka papapigil sa kanila diba? it is a very good reason, or gasgas na ngang alibi or dahilan para makaalis ka isang sitwasyon na ayaw mo, bkit ka pa rin nagstay? Sana umamin din yung iba na nagstay sila dun dahik kagustuhan nila not because pinigilan sila diba…

    @Jona–hi,,pleaese read my comment again if I said people here are stupid. after i read my comment again, I was not mentioning about the cc or atm swiping so I believe your comment was not for me.

  431. C says:

    to all!
    huwag nman sana kayong magkainitan dito kasi opinion nyo lang ang lahat na andito..nku hwag ganyan kasi hindi kayo mkatutulog nyan ng mahimbing..hehehe.. Peace at magtulungan nlang kaya tayo.. Pwede? ^^

  432. Perenelle_HEALER says:

    Just tonight one of Prudential Life agents approached me and she told me I had a free gift a bag or tumbler bec. I had BDO mastercard. And I was escorted at there office and she told me that there will be a seminar for 45 mins. after that I could play there slot machine and she gave me a raffle ticket. One thing I notice is that once you entered there 45 mins. seminar is that they will pressure you to join there Insurance and after that they WANTED TO SWIPE YOUR CREDIT CARD! Good thing for me I’m a very wise person and I’m not easily pressured. I told that agent even if it is a simple insurance I still need to think twice and SHE’S ANGRY! I was like WTF! In the end I get to play there raffle and slot machine and I got a FREE bag! 😀 YEPEEEEE!!!!!!! I WON they LOSE!!!! They didn’t get to SWIPE MY CREDIT CARD!!!!!!!!!

  433. Perenelle_HEALER says:


  434. jingjing says:

    @ giegs
    guess what, la pa rin ang refund..
    wow, ilang days or baka aabot pa ng weeks ako mag aantay sa refund..
    di na nga nagreply sakin ung tga prudential kasi lagi akong nagtatanong sa refund.. d nagreply kasi la pa ang refund.. imagine it.. from 7 banking days they said umabot na ng 10.. at hanggang ngayon la pa rin.. so 11 days na tom.. :-(

  435. C says:

    Ay naku. kagaya din cguro yan sa akin. umabot na ng 60 days yung sa akin.
    Baka my mali na nmn sa pag process. ganyan din yung sa akin noon e.
    Basta ibabalik din nila yan sa iyo. Don’t worry.

  436. mrs. bagolcol says:


    If you had a very good experience with them, then let it be but don’t criticized others of their experiences since this does not involve hundreds of pesos only. I hope you will not be victimized sooner or later so you would understand their feelings.

    Do you know that the signature of their President and CEO are not the same in 2 diferrent documents? ( Official Receipt and on the Policy Data Page) I am referring to

    Philippine Prudential Life Insurance Company. I hope that somebody could inform or ask Mr. Mercado if he is allowing somebody to sign his name in a different stroke or signature? I dont even know which of the 2 signatures was forged. At any rate everything will be clarified if a proper invesitgation is done.

  437. edz says:

    oo nga, grabe ang mga hayup na yan mga manloloko hihiram lang ng credit card tapos swipe nila agad makakaltasan ka na agad ni di man nila agad sasabihin sayo samantalang hirap na hirap ka nga mag bayad sa card mo ayaw mo lang masira ang record mo sa bank kaya tiis na tiis ka sa pagtitipid at for emergency lang ang paggamit tapos lolokohin kn nalang dun nga sa lugar namin piso lang pinapatay na mga tao eh kung sila kaya patayin magamit kaya nila yun mga lintik na insurance nila….sa hirap ng buhay ngayon pangogoyo ang inaatupag nila buti pa yun pulubi sa kalsada parehas lumaban nagtratrabaho ng maayos mabuhay lang d katulad ng lintik na insurance na yan para lang mabuhay nanloloko…

  438. jing says:

    to C
    sabi sakin na nacheck na daw ng tga PPLIC na nasa account ko na raw ang money yesterday pa.. pero until now la prin ngreflect sa account ko ang refund. di naman siguro nila sasabihin na may mali sa pag process.. bakit ba, nong kinuha nila ang pera natagalan ba at sinabi nila sa atin na di nila nakuha ang pera kasi may mali sa pagprocess? di naman diba..ang mali lang is kung bakit tagal mabalik ang pera.
    but i am hoping na ifollow up nila ang bank tomorrow. i mailed them again today to inform na la parin ang refund.. sana gawan nila ng paraan.

  439. tz says:

    magaling lang talaga sila kaya nadadali tayo, yung sakin nga kahit na sinabi ko na tama na talagang pinilit nila.. yung nangyari kasi first swipe nila hindi naaprove ng cc ko ksi nga over na sa credit limit ko so sabi ko sorry cancel na lang pero sinubok ulit medyo mababa ganun prin nangyari reject ng cc kaya i told them na tama na yan d talaga pwede nung kukunin ko na card ko ayaw pa bigay at nagpumilit na last na lang raw then d pa nga ko sumagot ay na swipe na agad 6k ung nakuha….. yung point ko lang ay sabi nila pag na reject yung cc mu ay isa ka sa mga minalas…..talagang minalas ako kasi talagang pinilit na maka-deduct sila sa cc ko…. pero npa cancel ko rin agad… ngayon maingat na talaga ako. tnx sa mga comment nyo malaki ang natulong skin..

  440. comfy says:

    what the F***! sino bang pakapagsabi sakin sa vaild na dahilan na wala pa rin ang refund. sabi sakin ni ms ginny stamaria na posted na daw ang refund after checking it sa kanilang financing office at icheck ko sa account ko ang pera..monday pa daw. wow.. ginawa nila akong tanga.. pinapaasa.. tanga na nga nong naloko nila ako, tanga pa rin na nag aantay sa refund.. tatawagan daw nya ang bank kung anong cause ng delay? delay delay pa, eh bat sinabi pa sakin na nakapost yong refund.. ay naku! bat ba di pa sila nakunan ng lisensya.. dami na nilang niloko..

  441. mira says:

    @mrs. bagolcol.hindi ko kinicriticize ang ibang nagcocomment just stating a fact na ung iba dito exaggerated ang mga comment na hindi naman talaga nangyari sa kanila..dapat magpakatotoo sila…about sa different stroke ng signature nung president why dont you go to their office and ask them bakit ganun..?

  442. lito says:

    to comfy..try to call your credit card company if nagreflect na sa account mo..ganun din kasi sinabi nila sa akin eh..wala pa kasing sakin na billing statement so i called the cc company and verify if nagreflect na naghihintay..magrereflect sa billing statement nyo ung amount may nakalagay na negative which means nabalik na pera. Napahiya pa nga ako eh kasi dumating billing statement, nakita ko pa rin ung amount tinawagan ko sila at pala hindi xa tatanggalin ng cc company..they will just put a negative sign dun sa amount.heheh kakahiya talaga. kala ko kasi dapat wala ng magrereflect na amount sa billing. oh well at least may alam na ko..

  443. mrs. bagolcol says:


    How did you know na hindi sila nagpakatotoo? Doon ka ba ng mangyari yon sa kanila? Kasama ka ba nila at nalaman mo na hindi cla nagpakatotoo? Oh, yes, If only im in manila, i would surely go to their office and personally ask the president about it. Anyway, its not your problem naman e. I can take care of this. I just want others to know the facts as it appear.

  444. giegs says:

    I got my refund already last Feb.8,2010. I e-mailed Ms sta Maria and talked to Carla before I get my refund. check your bank jing. I think it is true na binalik na yung money kc ganun din cnabi nila s akin b4 nabalik yung pera.Follow-up m lng s bank.natanggap ko na yung billing statement ko and it appears there na nirefund n yung nadebit s akin ng pplic.

  445. comfy says:

    @ geigs
    i think so.. my husband checked the account. we are not sure yet if yong pera na nedebit sa account is from PPLIC or galing sa friend nya na humiram sa kanya.. di pa kasi makita ang source.. in 3 days cguro.. thanks ate ha..

  446. yeza says:

    grabe ang dame na pala nilang naloko..tuwing na dadaan ako sa supermarket sa SM nahaharang ako ng mga agents nila.. ask kung may CC OR ATM. sagot ko palage WALA kahit meron ^_^ dahil alam kong bebentahan ka lang ng kung ano pag cnabe mong time nasabe ko meron dhil saktong hawak ko ATM ko nun kakatapos ko lang mag withdraw, kasama ko pa mom ko dun.. pagkasabe mo palang ng Yes, inabot nya na agad nung bading na agent ung Free Item. tas fill out lang daw ng form then may chance kna manalo ng honda car at ng $10K, o db cno ba nmn ndi tatanggi kung ganung mag ffill out ka lang ng form e may chance kna agad manalo,, sabe ko pa dun sa bakla nung andun palang sa baba e : “lam ko na yan “becky” (tawag ko dun sa bakla) bebentahan mo lang ako ng kung ano man pag sumama ako sau sa taas “. sabe nya ndi daw.. papakilala lang tlga daw ung company at WALA KANG OBLIGASYONG BUMILI NG KAHIT ANO. napakasinungaling pa nila, 45 mins lang daw iintroduce lang daw ung Company kz daw wala daw pambayad para mag commercial 0_o e sus grabe halos 3 hours ata kame dun sa loob sa kakaexplain nung consultant about dun sa plan. ang tlga irreason out nila sayo kung bakit need mong i grab kuno ung ONLY chance daw na makapag save sa kanila e kung ano ung pipiliin mong pinakaimportante dun sa last part ng form na mga DREAMS mo. ang problem tlga e likas kz sating mga pinoy ang magalang at ndi balasubas na khit gusto mo na tlgang umalis e ndi ka makaalis kz salita pa ng salita ung consultant. hay buti nlng di tlga aku napapayag.. natalikuran ko nlng tlga ung consultant kz nagalit na ung Dad ko, lalapit pa sana ung manager nun kaso mablis na akong umexit ng room nila!
    God bless po sa inyong lahat. Sana makuha nyo lahat ng kinuha nila sa acct nyo. at para sa mga makakabasa neto.. para ndi po kau magkaron ng ganitong problema tulad ng iba nting mga kababayan…wag po tayong magpadala sa mga “FREE” kuno dahil po sa panahon ngyn marameng manloloko.. Mdali po tayong nadadala sa mga panloloko nila dahil mahilig tayong mga Pinoy sa “FREE”..aminin natin na nagsimula ang lahat dahil gusto ntin makuha ung “FREE ITEM” na pinamimigay nila hehe
    REMEMBER : ISANG MALAKAS na ” WALA” ang isagot natin sa tuwing may magtatanong ng ” MAY Credit Card or ATM NA PO KAYO? ” ^_^ O_o

  447. Jona says:

    Mira, Please read all ur post. Before commenting on mrs. bagolcol :)

  448. Jona says:

    Hi Yeza,
    Wow your great!
    Atleast you know how to say NO. Those people that are victimized by PPLIC, are just attracted to the idea of winning something/ by just investing 45mins in a short talk about the company. The problem is, they were coursed thru a situation and environment wherein they can be pursued easily, not thinking of the consequences.

    I just PPLIC would be able to realize… alot from this Posts….
    You don’t win by cheating people.
    You lose more by doing such.

    Mr. Mercado:
    Start cleaning the company! Start with changing your marketing strategy! Give your people some dignity! Don’t make them fool people just to sell insurance and make company profits. In the end it’s your loss… !

    To the Customer Service of PPLIC:
    Try to tell the truth when you are giving refunds!
    Mas mahirap umasa…lalo at kailangang-kailangan ng taong yun ang pera :)

  449. Jona says:

    I *hopePPLIC would be able to realize… alot from this Posts….

    Also, I wish wala nang dumagdag na sumbong sa post na ito, kundi updates nalang regarding sa pagkuha ng refund.
    Kasi if this problem still exist, hopefully the Insurance Commission do some stricter actions. But they’re really helping a lot. The “15 day look” in period attached to the policy document is important. Mabilis kasi ang naging proseso para mapakuha nila ng isang tao ng plan like 45 mins – 2hrs (or hanggang sa pumapayag ka at mag-sara ang mall) Kaya naman if you guys want an early refund, cancel within 24hrs, kasi hindi pa xa nagrereflect sa account, your bank can revert back the money to ur atm/cc card.

    Oh well, I welcome comments vs. comments.
    I’m just here to help. :)

  450. ella says:

    ako din na biktima nila sa sm north Feb 24, 2010 php39,971 ang nabawas sa cc ko, ang ginawa ko pina block ko ung cc at pinapalitan ko ng card number, para dna sila makakuha pa, kc meron pala ako pinermahan na auto debit every month until 5 yrs, dko alam paano nangyari, same thing try lang daw if ma approbahan, kso d naman sila nag call kung d swipe ang ginawa. pina cancell ko policy ko wala pa 24 hours, andun na ako sa sm north, tpos nag fax ako sa main office ng cancell request. kaso sabi ng main kung saan branch daw ako nag sign ng contact dun ako mag pa cancell. d ako pinansin ng tao sa harapn kc 1pm pa daw ung incharge, so wait ko, until na dumating nga sila, sabi ng kausap ko, pag i cancell ko daw wala daw ako makuha mas lalo daw ako mawalan, nainis ako sabi ko cge if d nyo cancell sana makatulog kau sa ginawa nyo, sabi oo daw nakatulog sila kc matagal na nila gawain un. tpos iniwanan nila ako, tpos may lumapit na isang guy sa akin, sabi help daw nya ako para may makuha man lang ako, gawa daw ako sulat na ibalik ung half, isip ko naman cge atleast kahit half may makuha ako kay sa wala, ung document na binigay sa akin, type of ammendment is downgrade half will be back to my cc pero after 45 days pa daw. sayang ung 19,985 nawala sa akin, dko alam kung paano ko bayaran ung cc ko. meron pa ba ako pwdeng gawin para mabalik ung half? wala ako copy ng policy nasa kanila pa, thank u so much po in advance.

  451. Anton says:

    nangyari din ito sakin kahapon lang sa sm megamall napapilit nga ako bumili paano po ba ito mapapa cancel? di biro yung natangay nilang pera eh. Taga bulacan ako eh niyaya lang ako ng jowa ko tapos pag dating namin dun nilapitan na kami ng isang lalake, nakakainis tlga sila di kami tinigilan napapilit tuloy kami pumunta sandali lang naman daw yung raffle, pero pagdating dun may 45 mins pa daw para makita lang namin yung company nila tapos nun binentahan na kami hindi naman namin kailangan pero parang ayaw talaga kami paalisin hanggat di pumipirma naaawa na ako sa jowa ko 2 oras na kami nandun eh napilitan ako kaya pinirmahan ko nlng, 47k din yung nakuha nila sa cc ko. Dapat i report natin yang mga yan sa SEC hindi na tama ang pagbenta nila. kinakawawa ang mga tao na walang kamalay malay, tulungan niyo po ako.

  452. giegs says:

    I just want to advice regarding of your case. Go personally to their main office in Ortigas and look for MS. Ginny Sta. Maria. Discuss all what you want and your reason why you wanted to cancell your policy.Just talk in a nice way.She’s nice naman eh.pagdating m doon look for ms carla to assist you.MAke sure na you have a cancellation letter with you 2 copies.receiving at copy nila then ask for the cancellation of policy galing sa kanila. They are the one who will provide it.Make sure na you have the copy of all the docs before you submit it to them. Tell them na naicancell m yun b4 24 hours.If you have read the upper portion of these posts yung draft ng cancellation letter of RAsh rasid would be a big help to you.MAke sure na you will talk MS Ginny sta maria. Sya ang makatulong sa you. Godbless!

  453. Bert says:

    From what i have read from all the comments PPLIC is not that bad of a company. They just used a different strategy. We all have to understand that we live in a harsh world and that we all have to eat. We can’t blame these agents for trying to put food on their families table. Remember this quote “Be kind to everyone for they are fighting their own battles.” These people did not trick you. they showed you a presentation that YOU liked. YOU bought the plans they just offered the paperwork. YOU signed them. Now if you believe that your money was not well spent they offer the possibility of cancellation of the plan BUT if you firmly believe that IT IS a GOOD Investment then by all means don’t. Let me end with this we cannot see the future, we cannot say when we get sick or die at the worst but isn’t preparing for the inevitability a good thing. If you believe in fate then maybe those people selling insurance policies are acts of God. Maybe they are there to prepare you for what will happen. Maybe those plans will be useful if something tragic happens to us like Ondoy, Haiti, or Chile.. think about it..

  454. Samantha says:

    @ Anton

    Alam nyo po kung ayaw nyo po manalo sa raffle hindi kayo mapapasubo. Pero a ng katotohana gusto nyo tlga manalo ng kotse kasi kung hindi Umalis na dapat kayo nung ipapakita nila ang presentation tungkol sa companya nila. Oonga hindi biro ang 47K pero ang binili mo makakatulong sainyo balang araw. Intindihin mo na ang buhay hindi tungkol sa ngayon lang, tungkol din to sa mga posibleng mangyari sayo in the future. Tama ung sinabi ni Bert pagisipan nyo nang maige.

  455. ella says:

    Hi Giegs,

    thank you so much for your advise, I will follow up my cancellation request dated Feb 25, 2010 to them, I faxed it same day, ung staff pa ng SM north Edsa branch ang nag fax, while kausap ko ng Jerf of Jeff sa main office, wala kc c ms Ginny that day, sya ang nag sabi kung saan daw ako nag sign ng contract dun din daw ako mag pa cancell, maraming salamat sa nag post, mindyo mabuhayan ako ng loob.

    Bert: okay lang mag ipon, un ang sabi ng girl na nagpumilit hiramin nung card ko, help daw nya ako mag ipon, pero now mababaon ako sa utang ca cc, paano ako makaa ipon nyan.

  456. Carlo says:

    I just experienced it myself today, i received a text message from them and that i won a lifetime insurance, with datamex educational plan that is transferable, when i asked them how they got my number, they just said that from a referal, but they dont gave me the name who refered me. they invited me to there office instead… lolz

  457. Tom says:

    Agree ako sa sinabi ni Bert at Samantha. Hindi naman kasi ang insurance naman ay para makatulong in the long run. Basta lang dapat ok yung companya na kinuhaan niyo at stable sila, I think Philippine Prudential Life Insurance Co. naman is ok eh, maybe you can call their main office para ma reassure kayo or try asking the Insurance Commission if they are a legitimate company and if they are financially stable.

    @ella: I think you should really call their main office if you have any questions about their product, I’m sure they could help you out.

  458. mira says:

    @ jona? I’m full aware sa lahat ng comment ko and i stand for it.

    @mrs. bagolcol. you would notice naman sa ibang nagcocomment dito kung talagang ganun nangyari sa kanila or nakikigaya na lang or nakikiayon na lang sa nangyari sa ibang tao..sabi ko nga “yung” iba may dagdag bawas na sa comment nila…

    • Arpee says:

      the thing with comments is that people do tend to exaggerate a little only because their fears were affirmed and that can be disheartening, to say the least. yes we are all stupid sometimes and we do make bad decisions, but that shouldn’t be the cue for unscrupulous sales agents to force-sell insurance to us. i say let’s give the chance for people to rant if they want to. naghahanap lang sila ng mahihingahan ng sama ng loob kasi nawalan sila ng pera. wag na natin silang awayin at tawagin ng kung anu ano. what happened to them is already a painful and traumatic experience. rubbing it in is is the last thing they want us to do.

  459. samantha says:

    as of today, check ko sa dti and sec ang Philippine Prudential Life na name and resulted to zero (0) name..meaning, di sila registered. check daw ninyo kung makita nyo ba ang PPL.. thanks..

  460. ella says:

    Hello Guys,

    Update lang, just arrived from PPL thank GOD hindi na ako tinanong, nag wait lang ako ng ilan minutes then binigay na sa akin ung confirmation of cancellation at naka saad dun na full refund with in 30 days.

    ang ginawa ko ini mail ko si insurance commission, kwento ko lahat ng nangyari tpos cc copy si Ms Ginny Santamaria, pag punta ko dun dala ko ung copy na letter of request tpos binigay ko lahat ng document s knila.

    sana nga 30 days lang mabalik na sa cc ko ung nakuha nila.
    @ ARPEE, maraming salamat sa blog mo, talagang malaking tulong ito.

    God Bless sa atin lahat.

  461. well says:

    gud pm to all. just received a text message awhile ago…

    RE: (Final Notification)
    Good morning.. This is Mr Louie Aguilar frm PHILIPPINE PRUDENTIAL Ur “3 EXCLUSIVE REWARD AND PRIVILEGES” are READY to CLAIM and still hear in Our Office. You need to CLAIM & ACTIVATE this w/in 48hours, Because our Management will Finalize All the Records of our Clients/Recipient who doesn’t Claim their rewards. Pls. call our Hotline w/in 48hours frm 9AM to 5PM for further information. MAKATI OFFICE: Hotline nos.: 02-7551532 look for Mr. Louie Aguilar. Thank you. (DISREGARD IF CLAIMED)
    sender: +639071593618

    first thing i did was to search on the net regarding PHILIPPINE PRUDENTIAL and what came on the pc screen was the word “SCAM”. and found this website, read some comments posted and concluded that the text i rcvd was somewhat having similar strategies with those comments posted. Anyway, while reading, another text message came with the same content. What i did was to reply saying: “OK, thanks. Pls call me on this number.” till now i’m waiting for his call or text message. Maybe he sensed i know “HE’S A FAKE.”

  462. Tom says:

    @Samantha: hindi nga ata talaga under ang mga Insurance Companies sa SEC, ang pagkakaalam ko kasi under the Insurrance Commission talaga sila, baka dun natin malalaman kung liscensed talaga sila to operate.

  463. Jona says:

    Life/Non-Life Insurance —-Should be registered sa Insurance Commission
    Pre-Need Companies/INC./CORP. ——-Securities & Exchange Commission
    Sole Proprietorship- Department of Trade & Industry

  464. Jona says:

    They can’t sell sa mall kung hindi sila registered sa proper authorities, one of the requirements un sa SM malls.

  465. comfy says:

    i got my refund already.. thanks for this blog and sa lahat ng mga taong magpopost sa blog na ito..
    always call and follow-up pra gawan nila agad ng paraan.
    God bless to all!

  466. guapitoako says:

    Hello. gandang gabi sa mga kagaya kung nabiktima ng PPLI, it was happen last February 28, 2010, naglalalad ako sa Starmall Crossing, nang may Biglang lumapit sakin na lalaki (i dont know his name) at may inabot sya saking raffle stub daw, atubili akong kausapin sya kasi nagmamadali ako non, pero nang sabihin nya na may change daw akong tumama on the spot ng HONDA CITY at $10,000.00 na lang babayaran at no money envolved daw cause promo lang daw yon, then i became interested, need kolang daw sumama sa kanya kasi sa Megamall daw bobolahin, may mga pinakita pa syang pictures ng mga nanalo kaya nakumbinsi nya ako. nang nasa megamall nako mayron daw company presentation up to 45. mins before the raffle, may pinakilala pa syang agent name Jennefer na syang nagsama sakin sa loob, maraming tao sa loob na nakaupo at kinakausap ng ibang agent, then Biglang may Mag aanounce ng ” Lets all Welcome the new member of PPL Kaaproved lang po sya ng Bank Mr/Mrs.____ then magpapalakpakan sila na para bang scripted na. babangatin pa nila ang profession mo, napansin ko na maraming Engr at accountant ang kumuha ng insurance on that day… to make the story short, nong una ang sabi ko i need to consult my wife regarding this, at babalik nalang ako or tatawag if i made a decision na but dahil narin sa galing nilang magsalita, she convince me to get insurance at pumayag i swipe ang CC ko ng Php 24,160.00, den tsaka palang ako nakapaglaro sa raffle nila. bago umalis, sinabihan pa nila ako kung masaya ba daw ako in i said yes. But nong makauwi nako sa bahay, don lahat nag sink in sakin lahat ng nagawa ko, naisip ko kung bakit ako ganun kabilis nag desisyon sa ganung kalaking halaga, althougth maganda ang intension ko sa family ko, but insurance ia a long term investment and need a consultation with my family, relatives & friends. naisip ko rin na kahit na legimate company sila but they exercise a bad MARKETING STRATEGY. they give MISLEADING INFORMATION to us so i decided to investigate their company hangang mabasa ko ang blogsite nato, thanks to ARPEE. marami kang natulungan dito. dito ko natutunan ang mga dapat gawin if ever na magpapacancel ako ng policy. on March 02, 2010 gumawa agad ako ng cancelation letter sa kanila at pinaphotocopy ko lahat ng documents na binigay nila sakin at gumawa ako ng recieving copy. On the same same day, around 2pm from my office in makati, nagpunta ako sa kanila sa megamall para iparecieved ang cancellation letter ko, inasikaso naman agad ako ng Customer service rep nila at nirecieved naman agad ang letter ko.. then sandali akong pinaghintay para kausapin daw ng Manager nila regarding sa reason of cancellation ko. ala pang half hour pinatawag na ako ng manager sa room nya.. solf spoken sya at ako din naman sa kanya, kinontrol ko ang temper ko kasi ok naman syang kausap, she ask me the the reason of my cancellation, Tipid lang ang sagot ko, sabi ko financial problem at nabigla lang ako sa naging desisyon ko tapos i insisted the 15 DAYS FREE LOOK sa policy, at in case na diko nagustuhan pwede kung irefund ang pera ko na sinabi nila at pinabasa sakin b4 i signed the contract, she try to negotiate about the policy, bababaan nalang daw nila ang premium ko from 24 to 12thou at 200+ lang daw ang monthly ko, ang sabi ko, i made my final decision and thats the cancellation of my policy. she asked me pa kung may nasabi baraw ang agent na kumausap sakin na dko nagustuhan at kailangan ko raw isulat yon para attach nila sa letter of cancellaton ko, ang sabi ko personal decision ko ito at alang kinalaman ang agent dito.. sumulat na rin ako para dna ako magtagal don. Then bumalik ako sa customer service nila at inayos ang cancelation letter ko humingi rin ako ng SOA na may Tatak na CANCELLED at binigyan nila ko. 30 to 45 days daw ang processing. sad to say nga lang na ng tumawag ako sa CC company ko nakapost na daw sa biling statement ko ang nacharged sakin ng PPLI kahit one day lang ang transaction. hayyyyyyy its a bad experience.. at araw nato sakin. TIPS lang po, control your temper kapag nakkipag usap ka sa kanila, be FIRM to your decision kahit anong sabihin nila kasi gagawin talaga nila ang lahat ng effort para di matuloy ang cancellation. wag unahan ng init ng ulo kung maayos naman ang pakikipag usap nila.. den kung di naging maganda ang usapan move to next step,, file a complaint to proper authority like INSURANCE COMMISSION. sana makatulong itong Story ko sa iba na nawawalan na ng pag asa… Informed ko kayong lahat pag nakuha kona ang refund ko.. sana ay magsilbing aral nato sating lahat. GOD BLESS.

  467. gerald says:

    hello to everyone..nakapag-avail din po ako ng plan sa PPLIC last feb. 18, 2010. like every one elso po dito ganun din nangyari sakin. My friend advised me to continue the plan kahit pinakita ko na sa kanya itong blog. my friend has been a plan holder of ppl for 1 year na raw so his advise is just to continue the plan although nawoworry rin ako dahil sa mga nabasa ko dito. Medyo risky pero sabi rin naman ng friend ko wala naman daw investment na risky ngaun so why not to give it a try. If ever buhay pa ng blog na to, every year magcocomment ako dito to give you an update if ever may mainecounter ako problem sa kanila. And napaisip din kasi ako, i know we have different meaning of scam and as for me, scam is something you spent for nothing in return. kanya-kanya naman yan talaga and to everyone, you can consult a friend like me to give you an advise for something your not certain,, naswertehan lang ako kasi yung friend na napagtanungan ko eh plan holder din nila so nakabawas xa worry ko.

  468. anne says:

    @gerald: good for you, having an insurance plan is surely a great investment, rest assured that the insurance industry is very stable even with the global recession last year as can be seen in this article
    Sa totoo lang my insurance plan actually just matured, in the end I really got all that was promised in my policy ng walang kahirap-hirap. hehe pwede na ako magbakasyon sa Holy week. ok talaga yan pramis medyo long term nga lang pero worth it naman. Philippine Prudential Life? ok ata yang pinagkuhaan mo parang nabasa ko lang last month na kaka aniverssary lang nila eh, sa manila bulletin ata yun.

    @Arpee: Perehas ba talaga yung Prudential Life na wala nang license para mag benta dahil sa SEC; sa Philippine Prudential na insurance company? kasi di ba different naman ang pre-need industry sa insurance industry?

    • Arpee says:

      i’m no insurance expert. however i do believe insurance plans are good investments, no argument there. the gripe we all have here is THE UNSCRUPULOUS METHOD by which they lure people into buying insurance.

  469. anne says:

    @Arpee: well that’s nice to hear at least we agree that buying insurance is good for us. tingin ko kasi based on the comments posted above pressure selling lang yan.same style yan sa time share holidays that was the “in” thing a few years back. pag bumili ka ng time share you are entitled to use their facilities for a week. for your info lang.

  470. Samantha says:

    I saw something interesting when i was browsing about this company again..
    may statement ung president nila na registered sila and other stuff..

  471. pinoyboy says:

    biniktima rin ako ng mga taong ito, nasa sm ako kahapon tapos may lumapit sakin na bading, tinanong niya ako kung may cc daw ako sabi ko naman oo. Meron daw akong chance manalo ng kotse sa raffle nila kaya na pasama ako dun sa office nila para sa 45 min presentation. Pagkatapos nlng lahat na yun bebentahan lang pala ako ng insurrance, nag tagal ko dun kinukulit talaga nila ako, ang lakas pa mangbola. mga 1hr 30 mins na ako dun kaya pinirmahan ko nlng 12k lang naman na kaltas sakin eh di katulad ng sa iba kaya medyo ok lang, pero sayang parin di ba napilitan lang naman ako pumirma. Hindi dapat ganun ang pag benta nila, alam ko tao din sila at paraan nila yun mabuhay pero may buhay rin naman kaming mga nabibikitima. buti nlng nabasa ko itong blog na ito alam ko na ngayon na ni revoke na yung liscence nila. Dapat di na yan nagbebenta d ba?. Report na natin sila sa SEC

  472. gerald says:

    @anne. Its good to know na yung owner ng blog eh sinasabing good investments ang insurances. Medyo panatag nako sa sinabi mo arpee na its all about the method ang kinaiinis mo sa kanila at hindi yung product nila.

    I did some asking at magkaiba daw ang PPLic dun sa na revoke ang license to sell..Hindi daw sila iisang company..baka kaya marami rin nagagalit kasi hindi lang sa method kundi na rin sa mali nilang akala na eto ung company na wala nang karapatan magbenta ng plan eh nagbebenta pa at sa sm malls pa.

  473. anne says:

    @pinoyboy: for your info lang medyo misleading yung links sa blog na ito kasi its outdated and kind of wrong. If you do enough research you would find out that Philippine Prudential Life Insurance Company is very different from Prudential Life of which SEC revoked its license to sell. As gerald had said magkaiba talaga sila.

    @gerald: sabihin na natin ang method nila ay iba. Pero hindi ba na sa ating mga buyers parin ang last say whether we want the product or not? That’s what you did right Arpee? you didn’t get their product because you didn’t want to. You had a choice and you picked the option not to get. I think the problem here is not their method of selling but a problem of making decisions, the people who comment here tend to blame the sales agents, judging them as scammers because they were trained to talk well in order to sell their product. When in fact no matter how good one talks the discretion whether to buy or not still stays with the buyer. We would need to make the final decision. We can’t constantly blame other people for making wrong decisions, we should just accept it and learn from it, try to get a refund if that would make you happy?. The end point is that we shouldn’t blame people for trying to make a living, it was our choice to buy the product using the free will given to us by God, so we should take responsibility for it. We had the final say and we said YES. That I think is the problem; at least in my opinion.

  474. che says:

    March 12 … beware on this company, Philippine prudential life insurance..located at 5ft floor SM Mega Mall Bldg A.
    We were walking along St. Francis then one guy approached me, sb nya they will give free pillow and a chance on winning a honda civic brand they asked if i have credit card, i said yes..then im qualified.. he said also na it will take only 45 mins in the said ngpunta na kme sa sm mall pra pumunta sa ofc.. after that ng fill up kme ng raffle ticket pra sa chance to win 10,000..after than tinawag ako sa counter to ask some info..if i have credit card, bank savings pinakita ko nman.. after than the guy entertain us well, hangng sa tinawag ako n lumapit yung consultant (girl) so chika2 muna…grabe ang galing nila mambola at ako nman ngpabola w/out knowing yun na yung strategy nila..cge usap,,explain to the make it short cnbhan ko na yung girl na NO..but ang ginawa nya ng continue pa rin cya..ang alam ko sa mga figures na cnusulat nya is pinapakita lng nya kung paano mag-earn ng money or mg-ipon…so agree ako sa cnbi nya..puro congratulation n shake hands pa..ndi ko na nabilang kung how many times yun..tpos after ng-agree ako sa akala ko eh example aba binigay ako ng form saying na i-debit nila ako ng amt of 14k sa araw na yun..ndi ko alam yun na yung agreement kz sb nya “lets see kung ma-honor yung gs2 kong amt for saving” na alam ko is example lng yun..not saying “mam, kpg na-swipe nmin yung card mo at ng-approve yun na po yung savings transaction ntin..wla nman ganun exact word me they are laughing pa dhil malinaw nman daw sa paper na ngsign ako na i-debit nila yung amt 14k today..sbhin na natin na you’re like bigla nya binigay sa akin yung form na wla cnsb na e2 yung agreement ntin ilagay mo dyn date today amt of 14k tpos signature…so after than signing lumapit yung manager daw so binanggit nya ulit yung papel na agreement na pla ..verify then ngsign cya na ndi nman malinaw na agreement form na pla yun..cnb nya lng e2 yung date ntin today na i-debit nmin yung dinala ako sa cashier booth cnb na i-debit nga yung same you’re like hypnotize nman at tumungo ako..after ma-swipe yung card so dun lng me ano yun bkt nyo swipe yung card ko amt of inicip ko agad na ndi pwede yan kz mgbill ako nya nxt month..tpos cnb ko na rin na cnb ko sau na i’m not ready to save kz marami pa ako expenses na dpat bayaran…so ng freak out na ko until lumapit yung supervisor explaining regarding sa debited amt i explain my side pro ndi na ko 2mitingin sa kanila…sb ko you need to void that transaction sbhan ba ako nung supervisor daw ah na “what if sbhin ko sau na ndi pwede i-void?” sb ko imposible any transaction pwedeng i-void yun khit ngpurchase ka ng things or not…kz nga daw bank to bank transaction daw…so ndi ko cla tinigilan ng freak out lalo ako hangng marinig pa ako ng ibang tao lumapit ulit c ko paki void na lng yan pra tpos na usapan mabait pa rin ako kz ngsorry pa rin ako for the inconvinience…KYA TO ALL.. BEWARE OF THIS GUYS…so pgdating ko sa house ngverify agad ako sa bank kung tlgang na-void yung bank told me yes mam it was void already…cguro kung hinayaan ko yun it will really reflect on mya billing ko nga mas gs2 ko na mgpurchase ng bagay atleast nakikita ko kaysa sa ganung hangin!!!God bless na lng po sa Philippine Prudential Life Insurance…Tigilan nyo na yan!!thats BAD!!!

  475. hennesse says:

    guys naexperience ka n tin to.. parahas n parehas.. wala ba mgagawa ang sm north for this?? shit ung 45 minutes nila umabot ng 3 hrs na ndi ko nmmmlayan

  476. anne says:

    @hennesse: sa tingin ko walang magagawa ang SM north kasi legitimized company naman sila eh. Hindi ba ikaw din naman ang may kasalanan at hindi mo namalayan na 3 hrs na ang lumipas?

  477. gerald says:

    @anne—i’m not saying it was only the company’s fault kung bakit ako nakapag-avail nang..kaya nga i decided to also to continue the plan because i know it was all my decision and pinaniningdigan ko naman yung nangyari sakin. It was my decision to stay in their office and i was all my decision to avail the plan..Hindi naman ako nagreregret kung bakit ako nag-avail plan eh.. nag worry lang naman ako because sa mga nabasa ko dito..And tama ka..iba talaga method nila to attract client and tama ka rin naman na nasa tao ang lahat ng decision. it was all mine and wala naman ako sinisisi and sabi ko nnga indi naman ako nagreregret having the plan…ciao

  478. Kayla says:

    Last Feb 9 nakapag-avail ako ng Plan…then Feb 11 kinancel ko…with the help of this blog nalaman ko kung ano ang dapat gawin. And March 5 nabalik na sa atm ko ang 18,700 na nadebit sakin. Ilang days din ang nakalipas halos 1 month, but I had faith that God will not let me down, same as others, nagemail me sa IC at nagreply naman sila. Ayun…. Guys, Ingat nalang po tau sa mga lumalapit satin next time and Hopefully, magbago na ng marketing strategy ang PPLIC.

  479. headstrong214 says:

    Oo nga po gnagamit pa nila yung mga sexy na agent kuno at dalaga daw wow…. tapos tatanungin ka kung tagasaan at hahanapan ka pa ng agent na kababayan mo…. wala daw sila ibebenta just explain lang daw pero dapat minimum ka ng 30K sa account mo, then kunsensiyahin ka pa tungkol sa future ng family mo…. hehehe pati pangarap mo bubusisiin, mag start sa 75K hanggang 500pesos na ipipilit sayo na avail mo at meron bigla papalakpak na meron pumayag na mukha naman kasamahan din nila, then pag di ka pumayag after 2 ours kahit sabi nila na 45 minutes lang, ay bigla ka na yayain lumabas at mag slot machine na alam naman ng lahat naq imposible ma jackpot, scam talaga bakit kaya nakaka operate pa nga yan, saka ayaw nila na dati ka ng nag attend hehehe….. patawarin ang mga yan baka isang araw bigla na lang sila gilitan ng leeg dyan sa booth nila ng niloko nila… pwede pa naman mag shopping nga kitchen utensil sa SM.

  480. easie says:

    yes ur ryt anne!
    halos lahat na selling companies ngayon mat ibat ibang strategies to get clients attention,as i weigh titas perception of PPLIC mayaman lng cguro ang company na iyon kasi naka afford cla sa pagpalabas ng maraming pera para sa SUPER magandang trainings nila para sa magagaling na agents..magaganda pa!(il try to visit der)hahaha…

    @ARPEE: ikaw ba lalaki?? kung lalaki ka let me ask you; Are you courting a girl you really love the most?? ikaw ba kung mahal mu ang isang tao, gagawin mu ba ang lahat para mapasayo sya?? Syempre OO! Simple analogy lng bai!!!
    Just like the agents there in PPLIC, syempre mahal nila ang trabaho nila, of course gagawin talaga nila lahat ng magawa nila for them to insure clients para naman may pera sila..dba?????kung na-invite ka doon and slow-learner ka cguro para sayo biktima ka!marami dw kasing way of handling clients or selling, either persuasive or pessure..katulad ng tita kong na-invite cguro persuasive selling cguro ang na-encounter nya kaya Happy :-) cya sa policy nya sa PPLIC, pero sa iba dyan na Sad :-(, cguro pressure selling yung na-encounter nyo!!!sabi ni tita marz, mga magagaling lng daw iyong agents nila lalo na pag ang client fast learner, or hindi LOWbat!kasi pag slow learner ka daw at papasok ka sa PPLIC, hindi mo daw maintindihan ang pinagsasabi nila or explanation about sa promotion!kc sabi ng tita ko mga bigatin daw usually ang mga nag-avail ng policy sa PPLIC sa time na na-invite cya kasi may LAWYER,priest,doctor,engineer,at nagmamay-ari dw ng paaralan.
    and lastly my tita said,REALITY daw ang pinag-usapan nila sa loob,hindi daw pangloloko,ni-remind lng daw ng agent ang reality in d future kaya na-touch sya!inexplain naman daw ng aent ng maigi ang promtion na hindi lng daw by chance na raffle-raffle, ma Choice naman daw na savings…bsta Happy talaga ang tita ko til now sa policy nya sa PPLIC!

  481. jean says:

    Thanks for saying the word “TANGA” its very flattering easie.

  482. gerald says:

    @ easie–maybe im a fast learner,,nyahahaha…naintindihan ko namn kasi yung plan ng PPLic eh and I think base dun sa example mo eh, persuassion yung nangyari sakin..siguro sa lahat ng nang mga nakaavail or hindi nag avail ussually the agents extract sa client yung mga gusto nila, mga dreams, mga future plan. etc. . and then the agents show what are the possible na mangyayari indi the future. and siguro isa yun sa mga reason kaya nakapag avail ako ng plan. they opened my eyes about the reality ng iba siguro ganun din ang nagngyari naopen din yung eyes nila about sa reality ng buhay kaya lang pag uwi nila nagsara uli mga mata sa reality.hihihi..

  483. jean says:

    well maganda naman yung offer ng PPLIC.. pero kung good intention naman yung pakay nila bakit kailangan nila mag sinungaling? bakit nila kailangan sabihin na “gift lang po kuha kayo for endorsing purposes lang.wala kayo ilalabas na pera. maglalaro lang po kayo.” syempre ang tao ang akala yun lang ang gagawin kasi naniwala sila eh na yun nga lang ang gagawin. so dahil naniwala sila at napapasok sila sa loob ng office dahil akala nila yun lang yung gagawin, naive na sila? So SUPER good training pala ang pagsisinungaling ngayon ah.OH! trabaho nga lang pala nila yun ang magsinungaling., sorry naman. Yes, sinungaling, kasi they will promise you na wala silang i ooffer konting presentation lang. So kasama lang ulit sa trabaho yun.Ok. kailangan nila magkaron ng client eh. Pero maganda naman pala yung offer eh, bakit mo kailangan pag sinungalingan yung client? Bakit hindi na lang nila sabihin kung anu talaga yung motibo nila kung confident naman pala sila na maganda yung company nila? Maganda naman din talaga eh kaya napapayag yung mga tao. BUT, they know one thing kasi na sinabi ng mga agents.. “sa ganto pang date ang bayad” so yung alam nila. Pero pag nagsurrender ka na ng cards, atm, etc.. if you ask them again the same question na tinanong mo sa kanila. iba na ang sagot. Well CONGRATULATIONS sa kanilang magandang SUPER training.

  484. jean says:

    Ok naman yung plan nila. Pero ang nangyari kasi their answers was NOT precise.They wont answer you the TRUE answer kasi it might hold you back for continuing the plan. So kailangan nilang mag tell ng LIE. Maybe yung iba di nila masyadong nahalata yun, kasi nga magagaling talaga yung agents with their SUPER training. Hindi ka nila paalisin hanggat hindi ka napapapayag. VERY GOOD INDEED! Trabaho lang talaga nila yun. So kahit sinabi mo ng may lakad ka, dededmahin ka nila kahit narinig ka nila at hinidi ka pa rin paaalisin. At isa pa sa napaka GOOD training nila ay ididikit pa nila ang chest nila sa any part ng body nung client most especially sa guys (it happened sa guy friend ko). BRAVO! What a good training! Well hindi naman siguro lahat.

  485. hardie says:

    @easie, easy lang! so SUPER masaya k na nyan? at kelangan mong ipagmalaki ang todo SUPER magandang trainings ng mga MAGAGALING na agents ng PPLIC.. kung ok sa tita mo.. edi ok. edi dun ka na! dun ka magmalaki! pwede bang mag-SORRY?!! ndi naman ako BIGATINg tao eh.. kung bigatin USUALLY ang nag-aavail ng policy nila.. baket sa mga MALLS sila nagkakalat ng lagim nila.. pupumunta ang tao sa mall para gumastos or magsaya lang.. Kung gugustuhin nya mag-save.. may alkansiya naman. ayusin naman ang marketing strategy nila!

  486. jean says:

    If you are going to make a decision, how can you be decisive if you are thinking under pressure. So if napa agree ka, well your going to take the consequences under the circumstances na gusto nilang mangyari sa yo. Well strategy nila yun na ma pressure yung tao. Ang nakakainis naman sa PPLIC yung marketing strategy nila yung SUPER good traning nila. If they are really a GOOD company and they have many prestigious clients there, they should never tell LIES. That’s what SUPER GOOD training is. Well, yung mga LAWYERS, doctors, engineers,. maybe they don’t worry that much about money beacuse they have enough of that. Those people who complains are extremely worrying with regards to their money beacuse it MATTERS to them. That’s why they WORRY. How can they be so sure na credible nga yung company? Within one hour or more than an hour of conversation how can they be assured na credible nga yung company? They don’t have time to research, they don’t have time to ask questions sa ibang plan holder because there are no opportunities for that matter. Kung nag exceed sa 45 minutes ang presentation, well then, tell their prospect client politely na mag eexceed ng oras, hindi yung hindi man lang nila pag salitain yung tao na obviously naiinip na. That’s what GOOD training is. Kung CONFIDENT ang PPLIC na existing sila and hindi sila SCAM they should give their clients a time to think without PRESSURE.

  487. ella says:

    @easie Salamat sa pagtawag mo sa amin nga na biktima na TANGA, siguro isa kang agent na ng guyo sa amin. baliktarin mo nga ang sitwasyon ikaw ung naguyo, im sure maramdaman mo din ung naramdaman namin. Hindi makatulog sa kakaisip kung paano nangyari at napa oo kami. kung wala ka magawa wag ka na mag comment, nakaka dismaya ka lang. Good luck sayo, sana isa sa mga friends and relatives mo di makaranas tulad sa nangyari sa akin.

  488. che says:

    @ella Agree ako sa cnb mo kay easie @ easie sna nga alam mo cnsb mo …kung happy ang tita mo gud for her…
    ako lucky in a way na-void nga yung transaction ko pero upto now naiicip ko pa rin yung ginawa nila sa akin.. wla lng cla mgawa kz ng freak out na ako at ayaw nila marinig pa nung iba yung mga cnsb ko kya na-void na yung transaction sa credit card ko…

  489. anne says:

    @easie: maypagkatama naman ang sinabi mo kaso hindi din