It’s often said that taking out a life insurance plan means getting a promised payout in the future in case death, accident, disability or serious illness happens. On the other hand, being able to provide this payout to a client is one of the most fulfilling moments in the career of a life insurance agent.
Such was the feeling of Rubee Herrera, a loving wife and mother, when she joined Spark Amber in March 2018. After successful stints as an assistant manager in a finance company in Hong Kong and consultancy with the city government of Taguig, Rubee longed for her family in the Philippines. Coming home purposely to spend more time with her husband and four kids, Rubee found the perfect blend of family and career when she decided to become a financial advisor with Spark Amber, a general agency under Pru Life UK.
“I joined Pru because I wanted to provide for my family as well as to pay for a condo unit that I just bought,” she said.
One of her prospects, a 38-year old chiller operator is a husband and father to two kids. After the prospect decided to postpone getting a monthly-paying life insurance plan due to budget considerations, Rubee proposed instead that he at the very least get a more affordable personal accident plan. Rubee informed the prospect that while a PA plan has reduced benefits compared to a VUL (variable unit-linked) plan, it will at least provide, among other benefits, coverage for accidents that may occur at work or at home. It is renewable every year, too, she added.
The prospect agreed.
Eight months later, the client indicated that he was already willing and able to take out a VUL plan, which was the original proposal. Rubee was elated at this development. Her excitement, however, was short-lived. Her client suffered a fatal heart attack shortly thereafter.
While the cause of death was not an accident, the client’s family still got burial benefits that came with his personal accident plan. Although sad to lose a client, Rubee felt empowered as she facilitated the release of said benefit to her client’s widow.
After just two years in the business, Rubee, who is a National Achievers Club awardee on her rookie year and a Senior Achiever on her second year, declares, “I feel fulfilled as a financial advisor because I was able to deliver on the promise of this profession.”
Asked what sparks joy in her career as a SALIAN financial advisor, Rubee goes back to how her work allows her to spend quality time with the family. “I get to enjoy time freedom,” she said. “Aside from that, I am able to have unlimited income potential, recognitions, lots of trainings for growth and development, local and foreign travels, and an HMO and group life insurance in case of health emergencies.”
This is Rubee Herrera. Wife. Mother. Achiever. Financial Advisor. Trusted Advocate.
