PPLIC Goes To A New Low
A rant I once wrote about the Philippine Prudential Life Insurance Corporation (PPLIC) was all directed at how unscrupulous their agents have been in selling insurance. Not only have they become aggressive, they’ve become deceitful. The purpose of this rant is for PPLIC people to please police their agents and stick to “white hat” tactics. There is no debate about life insurance being an important thing to have. I personally believe in investing in life insurance. My whole family is insured under Philam and despite their problems with the AIG fiasco, I sleep soundly at night knowing that Philam Life will take care of my family in case I die before my time. I’m sure PPLIC aims to do the same for their customers, but your methods of selling it is really despicable. And when someone like me rants about it in my blog, these are the kind of comments that I get from YOUR PEOPLE.
All from the same IP address sent on August 6, between 10:19 am to 11:15 am.
This says a lot about how things work in your organization. It is reflective of what your vision and mission is based on. If you at PPLIC just wanted to silence me, all you could have done was write me an apology email saying you promise to mend your ways and I could have posted it here for you. A simple email that explained why your agents have become deceitful and have promised prizes and all just to compel them to buy insurance.
There is such a thing as soft sell and that is usually more effective than what PPLIC agents are doing now. You might want to look in on that. Because of the subtlety of soft sell, my whole family got ALL their insurance needs from Philam Life. And we were spending load to call the agent. Their insurance plans sell themselves, as it is also with other reputable insurance companies like Sunlife, Insular Life, Ayala Life, etc.
To PPLIC people, DON’T WASTE YOUR TIME SPAMMING MY INBOX! You have a lot of brainstorming and LEGITIMATE SELLING to do.
August 6, 2010
· 
Arpee · 
45 Comments
Tags: philippine insurance scams, philippine life insurance, philippine prudential life insurance company, philippine prudential life scam, PPLIC · Posted in: non-food
45 Responses
Sunlife na lang or Manulife or Philamlife or Ayala Life… old REPUTABLE companies.
ang tatanga naman ng mga tao dyan sa PPLIC, magcocomment ba naman sa isang pc…huli ka balbon! desperado na ba tlga sila makabenta at pati panloloko ng tao ginagawa na nila?
bravo Arpee! bravooo!
hahahaha…. katangahan to the max!!! anong akala nila di makikita ang IP address nila!!! LOL!!!!
hahaha.. ano ba naman yan! tagal-tagal ng nagpo-post si arpee na kaya nyang kunin ang IP address.. hindi man lang gumamit sa ibang lugar… TIP LANG… pwede namang magpalipat lipat ng computer shop.. 20 pesos lang per hour!!! hahaha… SINO NGAYON ANG TANGA?
Very Very Busy!!! « Jay's Blog - August 25, 2010
[...] found. Fellow blogger Arpee has found something interesting related to what I have posted before.  http://arpeelazaro.com/2010/08/06/pplic-goes-to-a-new-low/ I never knew you could see ip addresses  when people post comments in a blog. Well I guess I just [...]
This is sick! i have a few questions tho. me and my brother stumbled upon these vultures and it makes me sick. I was waiting outside of their conference hall or the place where their agents come to talk to you. My brother and I we’re just in it for the free bags they were giving away(being cheapos =D). Anyway I was hesitant going in the room so i stayed outside by the door looking into this hall. After 5 or so minutes of standing there a total of 4 + 1 supervisor approached me asking me to sit down. I repeatedly refused to sit down cause i was surveying the area. UNTIL the manager decided to play low, by saying “nakakasagabal ka sa daan (although there were 2 doors)”, I replied “Bakit may masama ba kayong ginagawa kaya nyo ko pinapaupo?!, hindi ba gusto ko din maupo sa luob kanina pero pinagbawalan nyo ako?!” Finally she replied ” E kasi hindi ka qualified e (due to me not having a credit card) anyway it turned out to be a high volume exchange of words and me barging into that hall telling my brother to leave already…..In the end we came out 45minutes older, exhausted and was still able to get the said free bag.
QUESTION THO, what do these guys get by checking out your credit card? I want to take action and do something about this horrible modus operandi.
That’s all i Guess…
P.S. Also noticed most the male employees they have are faggots i mean feminate men, explaining the gay lingo seen in those bogus comments
same pplic routine happened to my boyfriend and i last weekend. we endured two hours of presentation on how the company wants to “help” us save money. we didn’t buy pplic’s policy (buti na lang, hehe).
i think pplic is pursuing such strategy because it works, for obvious reasons. within that two hours, about five applicants signed for a policy – an average of 25 policies in a day, per pplic branch.
what’s sad is that most of those who signed seemed to be in a state of shock. i think the clapping is intended to make them feel confident about their decision, but the way they looked tells me otherwise.
thanks for your blog arpee. we will spread the word.
hahahaha..yah dats true..
nging employee dn me s PPLIC but 3 days lng me,,22o nanloloko lng cla kaya nga ngresign me agad..ndi q nga lam qng bkit cla ng exist puro bastos at msama ugali ng mga tao dun kya wagkau maniniwala plz spread spread my message..umiwaz kau sknla ha!!!s lahat ng branch ..i hate wat dey r doing!!!dapat lahat ipakulong..WAG KAU MANINIWALA!!!
I’m currently researching on this company. parang ang dami nyong galit. I just want to ask, if they are indeed a scam, how come they are on the list of 2010-11 accredited life insurance?.
check them here: http://www.insurance.gov.ph
binanggit din sya ng isang financial advisor na author ng grow rich pinoy. I just wanted to make sure that I get the real deal on what I read. thanks ^_^
oh sorry not think rich pinoy. the other personal finance book, the one written by alvin tabanag.
don’t take our word for it. why don’t you try investing in PPLIC yourself? you may go to Megamall or SM north and try it for yourself. then post your honest feedback here. seriously, we might be wrong.
..naku panu yan pwede ko pa ba marefund ung 25k na ndeposit ko from myv BDO debit card at sa cc kong 17600K??? pls help namn it’s been 5mos..nun 1 yung start ng payment ko at nagbawas na sila sa debit card ko:(( pls help
..i saw din pics from their 47th anniv andun si gloria macapagal!!!
Ito may picture ako sa pambibiktima nila.
http://www.himantayon-cagayan.info/2010/10/14/beware-of-the-vulture-agents-of-pplic-philippine-prudential-life-insurance-co-inc/
Ang kakapal talaga ng mga agents nila. Buti nga sa kanila… sa office nila sinabihan ko silang lahat na mabuti pa mag resign kayong lahat dito, maghanap kayo ng ibang trabaho! at nagtawanan ang mga halimaw. They think ok yung ginagawa nila.
Beware of the Vulture Agents of PPLIC - Philippine Prudential Life Insurance Co., Inc. | Himantayon nga Kagay-anon - October 15, 2010
[...] PPLIC Goes To A New Low Here are the photos: (sorry medyo blurry kay ga kurog na ko sa kaulit ana) [...]
@tin-a-pie: pplic is legit, however their marketing strategy is UNETHICAL. i agree with arpee, why don’t you see for yourself?
@tin-a-pie: PPLIC was indeed listed in my book as a licensed life insurance firm based on the list from the Insurance Commission. However, a company being legitimate doesn’t necessarily mean that all its activities are legal or ethical. I’m not saying though that PPLIC is in fact doing illegal or unethical activities because I don’t have all the facts. But I guess there’s also merit to the complaints about their tactics. Marami kasi ang nagrereklamo, hindi lang iisa.
Anyway, has anybody made a formal complaint about this issue to the Insurance Commission? Can anybody provide me details/summary of these so-called “unethical” practices so we can forward it to the Insurance Commission for investigation and appropriate action. I am also crusading against financial firms that mislead, cheat, shortchange or steal from ordinary people.
You can send the info to alvintabz@yahoo.com or text me at (0917) 502-3149.
Maraming salamat.
Really hard sell. But they are very methodical about it which makes me think that they’ve prepared for any formal complaints sent to the commission.
The only way we can expose them is to spread the word. And is it true that they are awarded Superbrand status? It’s one of their standard lines at the beginning of the sales talk.
@Tin-A-Pie: I’ve read your comments. Actually, kka-sign ko lng ng policy kaninang umaga eh, although thru debit card and they don’t actually sell the plan parang they let us decide kng how much ung ise-save namin. And the system is watever money you put in ur savings eh 1 yr mo d muna makkuha un kc they so-called it “time deposit” and then the succeeding years eh savings mo na yun, but before that they’ve given us 3 privileges, 1) accidental life insurance 2) 2yr scholarship voucher from Datamex and 3) cash raffle coupons worth P50,000. Honestly, mejo confuse lang ako kc sa mga previous comments eh prang wlang similarity sa na-experience ko kanina, pero nung nakita ko ung company add kpag magfa-file ng cancellation sa policy eh same add na nandito sa brown envelope na binigay nla sa akin. Kaya sobrang confuse ako kc tulad ng ibang comments eh awarded din sila ng “superbrand” seal. Since, nsabi mo nman na iimbestigahan mo ito, pwede ba keep us an update regarding this matter? I would be thankful kpag na-justify na at nasagot ung mga queries sa akin. thanks and God bless!
am i a victim?
maibabalik pa ba ung nacharge sa credit card ko??
Mali lang tlga ung marketing strategy.. pero hindi naman sila scam kc Insurance Commission ang nag momonetor sa kanila. check thier website http://www.philprudentiallife.com iba po ang prudentialife kc pre-need un
naging victim nila ung sister ko sa sm saouth mall. na-ipacancel agad namin the following day ung policy nya un nga lang matinidng debate talaga. after 30 days saka pa nya nakuha ung check. i was 6 mos pregnant that time & wala silang paialam kahit magpalpitate ka na sa galit sa peste nilang agent. hindi sila agad pumapayag ng refund or cancel kahit nakalagay sa policy nila na pwede xng icancel with 15 days upon entering the transaction ung nakalagay…sana maipasara na ung lahat ng branch nila!…
Beware dyan sa mga agent na yan sa megamall, at iloilo! Yung agent named ANA LIZA Q. LAZARTE marami ng naloko! Ang masama pa pag nagprepresent yung Ana Liza aka ANNIE eh nagpapalit pa ng name at position kuno, bakit hinahayaan yan ng SM! Sa mga naloko nila dapat magreklamo na talaga kayo.Sa starmall meron din niyan at pati sa ibang province kaya mag ingat kayo!
Dapat ireklamo talaga ang mga manloloko na yan, malaking abala sa mga tao sa mall yan at nakakaawa naman yung mga maloloko pa nila. Yang Ana liza LAzarte na yan madami ng reklamo sa kanya.Buit na lang at may naglakas loob na at na XXX na naman sila. Na feature na rin sila sa Probe dati.
6511093654-control number
hayyy…its a shame to admit but yesterday, nabiktima din ako ng pesteng pplic na yan sa sm pampanga.were just looking for a shop to buy a dress,ng may bglang lumapit sa min ng babae nakapormal na uniform.same strategy ang ginamit nila samin,kesyo may raffle daw sila na ang prize eh honda city and trip to hongkong for two with allowance.wala daw kailangan na bilhin or bayaran,nung araw na din daw na un ang game for the raffle.ang nirequire lang is that we should have an atm or credit card.very enticing ung mga pinagsasabi ng agent(kesyo tutulungan nya daw kami manalo,alam daw nya mga trick para may maipanalo kame at balatuhan nlang daw namin sya just in case manalo kami) kaya naencourage kmi ng bf ko, on our way sa office nla nagsimula magchika ng kung ano2 ung ahente para malibang kame..wen were already inside,winelcome kami nung mga tao sa loob,then niregister “daw” kami para sa game.to qualify,we have to present atleast an atm card with a receipt of our last transaction.so para makapaglaro kame,kailangan pa kame magbalance inquiry sa pinakamalapit na atm booth sa mall,inassist pa kme nung ahente.wen we got my receipt pinapasok ako sa loob,pinaiwan nung ahente ung bf ko sa lounge para dun maghintay(hindi daw kasi nagqualify ung bf ko dahil wala xang valid id which is his atm)..pagpasok ko inexlain sa kin na may 45mins lang daw clang hihingin para mapakilala ung company at product nila,then sinales talk ako nung bading na ahente named “Arwin”,inexplain nya lahat ng benefits ng pagiipon and agreeable lahat ng cnabi nya,which in the end naging pabor sa kanila..i don’t know why pero nakumbinsi ako nung ahente na mag avail nung endowment policy,cnabi nya may initial deposit daw na 9,650.00.that means un ung amount na mapapasok na sa inavail kong insurance.nakapag debit sya ng 9,650.00 sa bdo atm ko.sabi nya sa kin initial deposit ko na un para sa kinuha kong policy,the moment na naswipe na ung amount pinafill up na nya ko ng mga forms and nakita ko sa mga details ng transaction na magkaiba ung initial deposit ko,nakalagay sa receipt ko na 6,650.00 ung napasok sa initial deposit ko at may separate na receipt dun na 3,000.00 na walang nakadetalye sa OR kung para san u..so tiNanong ko ung ahente,sabi ko para saan un?sabi nya LABB Fee daw,para sa free dental services sa loob ng 1year.card lang ung bngay nya sa akin at hindi naka specify sa recibo na para dun un.nagtaka na ako dun dahil hidi naging malinaw sa akin bago nya naswipe na may iba palang charge bukod sa premium which is 6,650.00 lang dapat.after that marami ipinakilala pa ako sa isa pang ahente na tutulong daw sa akin mag fill up nung form ng bank, then ipinakilala pa ako sa manager na mag eevaluate daw kay Arwin kung maayos daw ung serice na ibnigay nya at kinongratulate pa ako sa pag avail daw nung insurance.tapos sinabi ni arwin na may kakausap lang sa akin na isa pang officer nila para interviewhin ako about sa naging performance nya as a cosultant,it would also serve as an evaluatio for him.magtatanong daw sakin kung naintindhan ko ung mga pinaliwanag sa akin,wag na daw ako magtatanong para daw hindi na magtagal pa so makauwi na kame ng maaga(we started 7:30 mula dun sa ahenteng nag sales talk sa amin about sa raffle ng car and free trip,at natapos kami ng 9:15).sa agustuhan ko din na matapos na un dahil nagaalala akong wala na masasakyan sa terminal pauwi,hindi na ako masyado nagtanong,i just agreed at kung ano ung tanong sa akin un lang din ang isinagot ko.after that they let us play the game for the car at ipinahulog sa amin ung raffle ticket for the trip. On our way pauwi,nagkausap kami ng bf ko about that insurance thing na biglaan kong kinuha.unti-unti ko lang nun narealize na nagoyo ako ng atatamis na dila ng mga ahente ng insurance na un. Pagkakamali ko na nagpadala ako sA pang akit nila na “FREE RAFFLE FOR A CHANCE TO WIN A HONDA CITY OR A TRIP TO MACAU”. Nagsisisi ako dahil naging pabigla bigla ako sa pagdedecide na kumuha nun ng hindi ko napagaralan ng mabuti at nagpadala sa magagandang bagay na cnasabi nilang pwede ko mabenefit dun. When we got home, first thing we did is to research about PPLIC sa internet and we found this article. Too late to realize na isa ako sa maraming tao na naloko nila. Na-expose na pala ung dirty tactics nila sa XXX, and as i have seen, babantayan nila kung ipinapagpatuloy pa rin nila ung ganitong “Deceptive Marketing” na strategy. Isa ako sa magpapatunay na patuloy pa rin po nila ginagawa ang maruming strategy na to para maka akit ng tao para makabenta ng Insurance. Sa ngaun naidownload ko ung video sa XXX about them and we will go back to SM Pampanga para ipacancel ung Policy na kinuha ko kahapon. Knowing na may ganitong issue ang company nila, ayoko na magpaloko ulit for the second time. Kung kailangan gawan ng follow up ito sa XXX,willing ako maki cooperate, mahinto lang ung ganito katalamak na panlolokong ginagawa nila.
hmmnnn. ipa-cancel ko na lang kaya ung savings account ko sa bdo para di na nila ko mabawasan pa.kakalimutan ko na lang ung 25k ko. =( nedd advice guys.
kakainis nga mga agent nila.mukang mga demonyo.mga plastik.
yung asawa ko kasi nabiktima din ng PPLIC.
sa 32,000.00 na naihulog nya ang marerefund lang 7,000.00
pano kaya dapat gawin natin para makuha nating ng buo yung pera na naihulog..sa totoo lang pinahirapan ng asawa ko pag-ipunan yung pera na yun para pangkasal namin,talagang nagtipid siya kaso ganun pa nangyari.
parang sosyal na budol-budol gang yung PPLIC.
sana Help tayo kung sino man makaka-help.
sayang talaga e,hirap na buhay.32,000.00 din yun.kung alam nyo lang lungkot ng asawa ko.
tapos sabi pa nung babae nakausap namin dun sa PPLIC
ung babae daw na fineature sa XXX okay na daw yun naayos na daw.nagworry lang daw yung babae na nagreklamo. pero before daw ilabas yun sa XXX nasettle na daw yun.
kung talagang tama yung ginagawa nila bakit di sila nagreklamo sa pag-air ng XXX sa kanila.kasiraan nila yun e.
bakit nanahimik lang sila?dapat dinefend nila yung company nila..
i was one of the victim too.. hours after buying their policy, i read the documents handed to me by their agent. i was really beginning to be doubtful that time. buti na lang, on the documents, nakita ko na you can cancel your policy application 15 days after filing.. i went back to the sm north branch a day after i filed my application. the customer service personnel talked to me first for about 30 minutes, persuading me not to cancel my application. then, for another 30 minutes or so, i was referred to the manager. and he was really determined not to give my money back. pero decided na din ako to cancel it kaya ayun. when i said that my father is currently taking up law and that he has many lawyer friends, the manager finally gave up and asked me to write a letter declaring na i want to cancel my application nga.. i was advised that the money will be deposited straight to my account 2 months after that. Last january, bumalik naman yung pera..
pero yun nga, gaya ng sinasabi ng author dito, “tuso” ung approach ng mga aagents nila.. ^_^ so BEWARE OF THEM PEOPLE…
Nagkalat na nman ang mga agents na yan sa may starmall! Yung iba na agents na naireklamo sa manila, nililipat lang sa cebu at iloilo! Kelan ba talaga mawawala ang mga manloloko na yan..Maling mali ang pagbebenta nila.
Incredible post there bro. I will visit this page frequently!!!
The PPLIC officials most responsible and/or who condone such despicable marketing tactics are: Robb Paulsen (AVP for Retail Marketing; mall branches) as well as Rose Marie Evangelista (VP for Direct Marketing; health and education plans). The Mercado family, who owns the company, condones these dirty tactics just to make a quick buck. No wonder stats from the Insurance Commission show that PPLIC has yet to surpass the 15th rank in terms of performance.
Erratum: Mr. Paulsen is an EVP, not an AVP. Furthermore, PPLIC’s president and CEO is Gregorio “George” Mercado. Other Mercado’s in the PPLIC roster are his brothers, Daniel III (SVP) and Jose (EVP for Finance.
To those duped by PPLIC: The best avenue for complaining is the Insurance Commission, and, if possible, with media companionship to ensure action on the part of the government agency. The XXX expose was not the first, and, I’m sure it won’t be the last. Mon Tulfo and Ganni Oro of DZBB also received complaints against PPLIC.
I was almost victimized by this Insurance Co. yesterday Aug 1, 2011 at SM Cebu.oMG, i really was doubtful from the very start because they want clients who have credit card, atm and the other one i forgot!though i went with their “flow” they did not able to make me sign up something..
and then they’ll ask you, “what keeps you hold back from registering ma’m? and so on and so forth. “doesn’t your husband like it to save for your son?”
at kapag ayaw mo talaga, sasabihin pa nila na, paano kung may mangyayari sayo mamaya?how cruel these people are, huh? hay naku buti na lang di ako nag sign up..pero may mga nag sign up talaga, as in naloko!imagine some of the people they deceived are living now abroad!from Norway , down to Australia.
Nag sit-in kami ng misis ko sa office nila sa SM Cebu (2 home trips ago) but I was not convinced and I did not avail.
Again, I will be going home to Cebu next month (September) and would like to get an insurance policy for myself and probably for my wife. Meron ba kayong suggestions for a trusted insurance company?
Salamat!
panalo ka pre! they just called me a few mins ago and told me i won a free educational plan for my kid! i asked them what company they are and they said phil. prudential. good thing i was online so i immediately typed “philippine prudential scam” and found your site!!! bravo pre! keep it up
by the way, i live in davao and they said they just “expanded” their trade here… wawa naman ang mga nabiktima nila.
to quote a year-old post by eloisa: Sunlife na lang or Manulife or Philamlife or Ayala Life… old REPUTABLE companies.
why are you putting much negativity to their promo/marketing strategies? if you don’t want to attend to their company presentation then, why allow yourself to sign for their waiver, be enlisted to their promo and avail a policy?
PPLIC for me is not a scam..
for we call something a SCAM if they obtain money from us by means of deception including fake personalities, fake photos, fake template letters, non-existent addresses and phone numbers, forged documents which is (I believe) not being not being practiced by PPLIC (coz i got all original policy documents when I availed the policy)
I attended the whole company presentation here in CDO a month ago to check the flow of their so called “scam strategies” and I find nothing!
tho the whole presentation lasted for about an hour and a half not 45mins as what the promo agent informed me,,, nung nakapunta nga kami sa office nila I was hesitant for the lady in the reception area confirms na 45mins is their standard time…so, at the back of my mind…huhu at least 45mins for me to join their promo..WTH… peo I went through the whole process and availed a policy which I find very helpful naman din. They didn’t force me to avail the policy for i was confirmed how many times thru written and oral discussions… siguro.. I realized later na Filipinos are not open to these new promo and marketing strats…
Hello, Mr Arpee,
May I have some inquiry? I already cancelled my PPLIC plan. Do I have nothing to worry? Because I did not received anything yet? According to them It should process within 30 to 45 days! My gosh!!! Its really dismayed me. They are so much easily eager to get my money and Now very hard to get. Lesson Learned, I hope I really learned, that every time somebody approached me should not to entertain, because they always say You just play, You just watch , You just anything? Beware because they always target your Money and nothing else. They really earned from that money? Now I’m still worrying if they really return my money? Because the only things I had is, they give me the cancelled SOA copy, the photocopy of the Confirmation of Plan, & the OR plus the words of their customer representative. They said they will not issue Cash or Check, it will automatically reflect in my ATM! Im still big question HOW?
Please Help me, is it really their process? Do I have anything to do now?
Oliva
Ive just been a victim, ngayon ko lang nrealize nagssisisi ako nag avail ako. What shall i do? i want my money back 8200 ung nswipe s akin please help!!!!! mccancel p b un?
i was victimized yesterday. i will try to cancel it, pero sana di ako mahirapan, kasi from the posts i read na talanga pipilitin daw nila na wag mo icancel. any tips regarding that?
i also had this experience last November 2011, i signed up and got a policy… but after that, nagsisi ako at bakit ako nagdesisyon agad, i was not happy but i thought wala na ako choice but to continue…accidentally, i am trying to check their status because i just recently watch the news about prudential plans and i thought it was related to PPLIC.. and to my surprise, i got into this and have read about the sentiments of many…mas lalo na ako nag-worry ngayon, and i also wanted to cancel my plan.. what will i do? if i remember it right, the agent with the manager even interviewd me while having it on video cam.. and they keep on telling me na voluntary ang pagsignup ko at walang pilitan, can it be taken against me at pag i cancel it, wala na ako marefund… i admit, napaniwala nila ako and in just less than an hour, they made me said “YES”.. please some advice, by May 2012 po kasi magstart na ako ng monthly premiums… sanA MAPACANCEL KO BEFORE mag mAY this year at ayoko na rin po kasi talaga…
I was a victim too before.. December of 2010, but luckily I got my money back after a month.. Same story as the others here. If you are really decided to cancel the policy then follow this steps:
1. Make sure you are still within the 15day period… luckily I saw this on the papers that they handed to me.. This can also be your prime reason to cancel.
2. Make sure you have someone to back you up.. The agents are persistent in convincing you not to cancel and will psych you up by saying “we didn’t force you to avail this product”.
3. Documentation – photocopy all the papers receipts that you have…
4. If they have not convinced you to cancel, they would probably hand you a piece of paper for you to write a cancellation letter… Mind you it took them at least 30 minutes to ask their head to sign this letter too..
5. Then wait for at least a month for your money to be returned.
During our conversation, I told them that they really have a deceptive marketing strategy. The reason they gave you when their agents approached you outside their office is not the same. Once you willfully go with them inside, the “policy seminar” will turn into a transaction which is totally bogus.
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