Prudentialife is bankrupt. Should you worry?
"You mean they're different?!" Well, I'm not a mind reader but I know that's what a lot of people think. Even my husband (at first)! :)
So, to help ease the mind of my dear friends and to you who just stumbled our blog, here are some information that I have come across in my 5 years in the insurance industry.
Identifying a pre-need company to be the same as an insurance company, would be like saying that an orange is the same as an apple. YES! They are both fruits, but they are not of the same kind... The same goes with the pre-need industry and the insurance industry.
First and foremost, a list of the life insurance and pre-need companies operating in the Philippines.
LIST OF LIFE INSURANCE COMPANIES WHOSE CERTIFICATE OF AUTHORITY WERE RELEASED FOR LICENSE YEAR 2011-2012
As of 18 January 2012
1. AsianLife Financial Assurance Corporation (Formerly: All Asia Life Assurance Corporation -name changed effective 31 March 2003)
2. Banclife Insurance Company, Inc.
3. Beneficial Life Insurance Company, Inc.
4. BF Life Insurance Corporation
5. BPI-Philam Life Assurance Corporation (Formerly:Ayala Life Assurance, Inc.)
6. CAP Life Insurance Corporation
7. Caritas Life Insurance Corporation
8. Cooperative Insurance System of the Philippines
9. Country Bankers Life Insurance Corporation
10. First Life Financial Company, Inc. (Formerly: First Guarantee Life Assurance Co.-as of 2007 )
11. Fortune Life Insurance Company, Inc.
12. Generali Pilipinas Life Assurance Company, Inc.
13. Great Life Financial Assurance Corporation (Formerly: Nippon Life Insurance Company of the Philippines as of 2007)
14. Insular Life Assurance Company, Ltd., The
15. Manila Bankers Life Insurance Corporation
16. Manufacturers Life Insurance Company (Phils.), Inc., The
17. Manufacturers Life Insurance Company (Branch), The
18. Manulife Chinabank Life Assurance Corporation (Formerly: The Pramerica Life Insurance Co., Inc.)
19. Philam Equitable Life Assurance Company, Inc.
20. Philippine AXA Life Insurance Corporation
21. Philippine Prudential Life Insurance Company, Inc.
22. Philippines International Life Insurance Company, Inc.
23. Pioneer Life Inc.
24. PNB Life Insurance, Inc.
25. Pru Life Insurance Corporation of U.K.
26. Sony Life Insurance (Phils.) Corporation
27. Sun Life Grepa Financial, Inc. (Formerly: Grepalife Financial, Inc. name change November 8, 2011)
28. Sun Life of Canada (Philippines), Inc.
29. United Coconut Planters Life Assurance Corporation
30. United Life Assurance Corporation
LIST OF AUTHORIZED PRE-NEED COMPANIES 2010-2011
1. Abundance Providers and Entrepreneurs Corp. (under the business name of APEC Plans, formerly Pacific Plans, Inc.)
2. AMA Plans, Inc.
3. Ayala Plans, Inc.
4. Caritas Financial Plans, Inc.
5. CityPlans, Inc.
6. COCO Plans, Inc.
7. Danvil Plans, Inc. (formerly Berkley Int'l Plans, Inc.)
8. Destiny Financial Plans, Inc.
9. Eternal Plans, Inc.
10. First Country Plans, Inc.
11. First Union Plans, Inc.
12. Grayline Plans, Inc.
13. Himlayang Pilipino Plans, Inc.
14. Loyola Plans Consolidated, Inc.
15. Manulife Financial Plans, Inc.
16. Mercantile CarePlans, Inc.
17. Paz Memorial Services, Inc.
18. PhilPlans First, Inc. (formerly Philam Plans, Inc.)
19. Provident Internation Plans, Inc.
20. St. Peter Life Plan, Inc.
21. Sun Life Financial Plans, Inc.
22. Transnational Plans, Inc.
23. Trusteeship Plans, Inc.
(For the complete list of details of the listed Pre-Need companies, you may check them out here.)
Now, what have you noticed among the listed companies? Have you noticed that 90% of the pre-need companies have a PLAN within their name? While the insurance companies have either "life assurance" or "life insurance" within their names... That's one big indication that there is a difference between an insurance company and pre-need company. Going back to the company recently declared bankrupt, is it a pre-need company or a life insurance company? "PRUDENTIALIFE PLAN, INC. bankrupt, seeks corporate rehabilitation" .
Now, what have you noticed among the listed companies? Have you noticed that 90% of the pre-need companies have a PLAN within their name? While the insurance companies have either "life assurance" or "life insurance" within their names... That's one big indication that there is a difference between an insurance company and pre-need company. Going back to the company recently declared bankrupt, is it a pre-need company or a life insurance company? "PRUDENTIALIFE PLAN, INC. bankrupt, seeks corporate rehabilitation" .
By stating just the first part of the company name, you are actually misleading yourself. It's like omitting a family name. Instead of implying a pre-need company, just by saying PRUDENTIALIFE, you are subconsciously referring to either Philippine Prudential Life Insurance Company, Inc. / PPLIC
(The company behind the products sold by the people in a particularly big mall who would ask you if you have a credit card and if you do, they'd invite you to their office and won't stop talking to you not until you've decided to get a plan from them. Well, my experience with them will be another post in the future. :) )
Or Pru-Life of U.K. as the implied Prudentialife since Pru Life of U.K. is known as Prudential outside of our country.
Other than the obvious names indicating one from the other, here are some other points that you need to know about the insurance industry and pre-need industry.
Table 1. Before 2009
After the issues experienced in 2009, the government enacted the Pre-Need Code of the Philippines, which appointed the Insurance Commission (IC) as the regulator of the pre-need industry. So, 2009 onwards we can expect more pre-need companies to be under strict regulation and inspection of the IC (and more news of pre-need companies declaring bankrupt?) I hope not, for the sake of all the planholders and for those who don't know the difference of a pre-need company from that of an insurance company.
For the issues and factors that contributed to the pre-need problems, that will be another post. But for those who would like to read ahead a Policy Brief regarding the pre-need industry prepared for the senate back in 2009, you can check it out here.
So, to answer the question in the title above, should you worry?
Well, you should worry if:
- you have personal investments in Prudential Life Plan, not in insurance companies; or
For the issues and factors that contributed to the pre-need problems, that will be another post. But for those who would like to read ahead a Policy Brief regarding the pre-need industry prepared for the senate back in 2009, you can check it out here.
So, to answer the question in the title above, should you worry?
Well, you should worry if:
- you have personal investments in Prudential Life Plan, not in insurance companies; or
- you bought a pre-need plan prior to the enactment of the Pre-Need Code; or
- you feel that your pre-need company had some malpractices with respect to the company funds; or
- your company is not included in the list above. ;)
If you don't belong to any of those group, then you don't have to worry. ;)
- your company is not included in the list above. ;)
If you don't belong to any of those group, then you don't have to worry. ;)
Posts
Wow! I learned something new today. Thanks miss Hannah!
Some comments I found in pinoymoneytalk about Prudentialife Plan... you can check this link out about some updates. http://www.pinoymoneytalk.com/forum/index.php?topic=39058.15
Thanks for dropping by, Junix! :)
Nice blog here Hannah! GOod job!
I have PRU plan but here in SG so I'm not directly affected, a bit concerned about it though.
thanks han & boboy for the info. unfortunately, i should be worried :(
nuj
@nuj - When is the scheduled maturity of your plan? I would say that there might be some hope. Coz remember, Prudentialife Plan is not closed. They're just bankrupt. They do have some investments and assets out there but they can't just liquidate them easily and if they do, planholders will only be getting a very little amount. Let's just wait and see how Prudentialife management will work this out together with the IC's recommendation. Just hold on to your contract. I would presume that the one you got is for your kid, right? And if I remember it right, you're not yet that old to be having a kid in college... ;) So, there's still time for Prudentialife Plan to work out their investments and when the time comes for your plan to mature, then that's the time you get back to them...
Just like CAP, they underwent the same thing as Prudentialife Plan is going thru right now. And I've been reading some forums that some people have started to make some claims in their CAP plans. Don't loose hope yet nujisan... The only time I would say that all hope is gone, is when IC (Insurance Commission) would say that Prudentialife Plan is closed... Which is something I don't see happening with Insurance Commission around.
hi ,got a danvil plan too. i received a letter saying i still havent paid all of the plan and that i still owe them 90 thousand pesos and that my plan will be closed soon and i won't recover any of the money that i paid already .i already paid them more than 500 thousand pesos .thing is i dont want to pay them anymore. i want to close my account and get all my money back ..please help.. thanks!
nice post. im working as sales consultant in philippine prudential life insurance company. this post gave me additional idea for i am still seeking more informations about the real difference of pre-need companies and life insurance companies as it is always what i want to understand by my clients especially to those who were the victims of cap and prudential life plans. its hard to establish credibility of your company and get the trust of the client for ur product when their mind is already closed for insurances because of the bad experiences they experienced from pre need companies.
@anonymous - where did you get your danvil plan?? Are you from Cebu? If so, I'd like to talk to you about this off the internet coz I don't want to be misinterpreted by others who get to read my post.. Just to be on the safe side..
@rene - how long have you been working with PPLIC?? Forgive me but I would have to say that I do have my reservations about your company. I did my own research about them by actually GOING with your fellow sales consultants. And these are what I discovered:
- PPLIC is indeed an insurance company
- Danvil Plan, if I'm not mistaken, is a marketing arm for PPLIC.
- The products that your company sell, is something that I PERSONALLY don't see myself getting. I know of other products that have a better return. I'm not saying that people shouldn't be getting it, but as somebody who's in the same industry and has seen products from other BIG companies, I've seen my share..
- You guys do HARD SELLING. Something that I PERSONALLY don't do... I would say it's HARD SELLING because I had to do a walk-out scene with those who brought me there. They wouldn't let me go if I didn't end up signing the forms.. I ended up being stupid for not signing up with you guys..
Again, forgive me for having to say this but I do have my own share of your company.. I'm not saying that YOU'RE not doing good.. In fact, the idea of you doing some research on the industry and maybe about the company you're working for, says something about you.. You want to know more.. And I congratulate you for doing your own research.
-
Hi Ms. Hannah. Does this mean that my plan which I got 2007/08 will not be covered by the pre-need code? I am actually worried since I read the news about Danvil's court rehabilitation and I also got one from PPLIC. I will finish my contribution in Danvil early next year and I really want advise how can I just get my money back. thanks
hi, thanks for the post. i also have a pension plan with prudentialife and what should i do to get my investment back? i have tried to contact their email helpdesk but there has been no response. i called them last april and i was told to wait till june. now i am out of the country and it is difficult to contact them. please help me. thanks
What happens to the thousands of Plan holders of these Pre -Need companies that file bankruptcy?
Is there a way for them to get their money or pension, or just say sorry?
Imagine the amount of hard-earned money that went into the thrash.
Very good po. Nice explanation regarding the differences between life insurance companies and pre need companies. Please take note that insurance business has no any experiences yet so far of any bankruptcy worldwide.
this is an old blog and being in the business just recently (october 2012) with prulife uk as a financial consultant, this blog has summarized the fundamental differences between the 2 industries! after the bankruptcy of Prudential Life Plan Inc. and CAP, the image of industry, even the insurance industry, is affected. Thanks for the info! Gian Joaquin
Hi,
I have actually purchased 2 pre-need plans from Danvil during my visit to Phils many yrs ago and have been paying them. So far i have not recieved any certificates that they said they will send me since i completed paying the other plan. Now the 2nd plan all of a sudden stop sending me reciepts? Do you know what happened to Danvil plans and which insurance company takes over it- I 'd really want to get my returns back..
This is such sad story of irresponsibility on the management and the government not having enough reguations in place to protect the consumers..It makes a lot of OFW angry...We work hard to save the money so that our kids can have some money for college only for this..????
Would appreciate more info regarding the above comment on 2 danvil plans pre need. Thanks much.
Is it safe to invest in beneficial life insurance? My friend is telling me that im stupid.
I would like to hear story about this because beneficial life insurance called and offered something. Then I ended up buying an investment in there company. Should I worry????? >>>>>
(The company behind the products sold by the people in a particularly big mall who would ask you if you have a credit card and if you do, they'd invite you to their office and won't stop talking to you not until you've decided to get a plan from them. Well, my experience with them will be another post in the future. :) )
i wanted to get some update if PPLIC is accommodating request for refund (or cash out benefit when plans get matured) for a former plan holder from FAmily First Plans inc, which has been forwarded to Danvil and is now under Philippine Prudential Life Insurance Co (PPLIC). Please share some light. My plan maturity is still on 2016. i hope there is anything i can acquire as return of investment. thanks /ike
"Anonymous says:
April 10, 2013 at 8:23 AM
Hi,
I have actually purchased 2 pre-need plans from Danvil during my visit to Phils many yrs ago and have been paying them. So far i have not recieved any certificates that they said they will send me since i completed paying the other plan. Now the 2nd plan all of a sudden stop sending me reciepts? Do you know what happened to Danvil plans and which insurance company takes over it- I 'd really want to get my returns back..
This is such sad story of irresponsibility on the management and the government not having enough reguations in place to protect the consumers..It makes a lot of OFW angry...We work hard to save the money so that our kids can have some money for college only for this..????"
@anonymous
Question: Do you have a policy contract for your plan? What company name is on your policy contract? The reason I'm asking is that if PPLIC (Phil Prudential Life Insurance Co.) is the indicated issuer, then you shouldn't worry as much as this is an insurance company. However, if the issuer is Danvil Plans, I would still say that you could still sleep as PPLIC bought Danvil Plans back in 2007 (as per my reading from another blogger who has first-hand experience about Danvil, "Philippine Prudential Life Insurance Co. is the company which bought the life insurance portfolio of Berkley/Danvil in 2007. This is also the issuer of life insurance plans and endowment plans being sold by Danvil Plans." Here's a link to her site =>http://www.workingpinoy.com/2009/05/i-have-to-correct-my-mistake-prudentialife-plans-inc-is-different-from-philippine-prudential-life-insurance-co-inc/).
If you haven't received any receipts from them, do you have proof of payments to them? That would be good to use as proof if they insist that you haven't been paying them. If they still insist that they can't honor your proof of payments, then filing a complaint to the Insurance Commission would be the best next move. You can email them at pubassist@insurance.gov.ph.
"Anonymous says:
June 18, 2012 at 1:08 PM
Hi Ms. Hannah. Does this mean that my plan which I got 2007/08 will not be covered by the pre-need code? I am actually worried since I read the news about Danvil's court rehabilitation and I also got one from PPLIC. I will finish my contribution in Danvil early next year and I really want advise how can I just get my money back. thanks"
In my understanding, PPLIC bought Danvil. Thus they took the responsibility of having to honor the benefits and promises that Danvil initially promised you. I recently saw a blog post by somebody who has first-hand experience on Danvil and she wrote several posts about Danvil. Her post will be very useful on how to claim for your Danvil plan. http://www.workingpinoy.com/2010/08/danvil-plans-claiming-your-maturity-benefits/comment-page-1/#comment-274539 . (Just copy and paste the link to your web browser as the link won't work automatically. )
"rocheall anne Lim says:
April 10, 2013 at 9:20 PM
Is it safe to invest in beneficial life insurance? My friend is telling me that im stupid.
I would like to hear story about this because beneficial life insurance called and offered something. Then I ended up buying an investment in there company. Should I worry????? >>>>>
(The company behind the products sold by the people in a particularly big mall who would ask you if you have a credit card and if you do, they'd invite you to their office and won't stop talking to you not until you've decided to get a plan from them. Well, my experience with them will be another post in the future. :) )"
@rocheall anne lim - I haven't seen any products or investment plans under Beneficial Life Plan, so I can't really say anything about the plan that you bought. If you could send me a copy of the plan that you bought at admin@honeycombfc.com, then at least I can have some view of what you got into and then, maybe I can give you my professional opinion.
"Anonymous says:
April 13, 2013 at 8:12 PM
i wanted to get some update if PPLIC is accommodating request for refund (or cash out benefit when plans get matured) for a former plan holder from FAmily First Plans inc, which has been forwarded to Danvil and is now under Philippine Prudential Life Insurance Co (PPLIC). Please share some light. My plan maturity is still on 2016. i hope there is anything i can acquire as return of investment. thanks /ike"
I think you're in the same boat as these Danvil owners. Same recommendation as Mr/Ms Anonymous in the previous 2 comments from this. :)
@rocheall anne Lim & honey2723:
Beneficial Life Insurance Company Inc. is one of the most trusted, respected, strongest, and top ranking life insurance companies in the Philippines today. Its clients are ranging from private individuals to group of people either from Provincial/Municipal Local Government Units (from Batanes to Jolo), National Government Agencies (COA, DepEd, DA, DOH, PNP, AFP,DPWH, BFP, etc.), cooperatives, private companies, rural banks, and many others. This is the only insurance company who was able to establish Memorandum of Agreement (MOA) with these government agencies to cater additional insurance for their employees and family members. As of 2006, among the 34 life insurance companies in the Phils., Beneficial Life Insurance Co., is the only life insurance company given the authority by the AFP and PNP through Memorandum of Agreement (MOA) to solicit life insurance to military personnel and policemen. This company is now on its 53rd years in insurance business and service. The company Chairman is Mr. Jaime C. Fernandez, the son of the former Central Bank Governor, Jose B. Fernandez, Jr.
Philippine Prudential Life failed once but not the second time around.
PPLIC is not bankrupt anymore. they are already become more accessible and has a trustworthy services not like before.
I need an advise or help from any concerned. I need to get back my money from PPLIC which took over my protector plan from Danvil Plans and I bought the insurance from FFI. I came from their office yesterday in megamall to check the status as I'll finish the payment on August this year. I'm shocked and very downed when the reception told me that my policy was terminated by them. She is telling that because the policy is a group life insurance and most of the member backed out so they terminated the policy and we can't get back the money we paid. I never used or claimed for this policy because they told me from the start that if I will not touched for 10 years, I will get back the whole contributed amount. I never knew and told that this policy is a group life insurance and never signed a paper with a condition that they will terminate the policy if one member will backed out because I'm informed then who will gonna sign a policy like this. Thanks so much in advance.
as of MARCH 7 2013 PPLIC was terminated all their planholder from DANVIL and im one of them whose contract was almost finish and its so sad wala akong makuha kahit piso I file already a complain at INSURANCE COMMISSION and waiting their go signal para mapagusapan with PPLIC representative. kaya all planholder magsadya sa INSURANCE COMMISSION ASAP po........
with the same problem regarding the termination of contract from PPLIC I INVITE EVERYONE TO File a complain to the OFFICE OF INSURANCE COM. ....I'VE FILE already.within this week malaman naming kung kalian ang paguusap with INSURANCE COM. officer,,,, PPLIC representative,,, and ALL PLANHOLDER who just file their complain.....
Nakita nyo na eto?
http://www.pesorepublic.com/db/banking-and-insurance/
eto pala... http://www.pesorepublic.com/db/banking-and-insurance/bakit-ba-nalugi-ang-prudentialife-plans/
tony:
any update? nagsend na dinaki via email sa insurance com. I am also one of the victim.
kesyo they are offering "gesture's of goodwill", ilang percent lang ng certain years ng payment mo.. ikaw itong naghirap sa pera, tapos, pahirapan ka pa sa pag claim.
please update me,
thank you.
worried planholder
Hi! I've got a Danvil plan too and compelted paying on Sept 2012, after 5 years! On January 17, 2013 I received my Certificate of Full Payment and entitled to a maturity benefit due on Sep 1, 2022. Do i need to worry with what had happened to PPLIC? Please advise if there is any action that i have to make now as I am an OFW and based in the Middle East. :(
Where can I file my claim for my Prudential Life Plan ?
I have proof of payment ( PLP receipts, payments through authorized credit card withdrawals ) although I don't have my Certificate of Full payment for my Prudential Life Plan, I I presume it is enough to get reimbursed ??
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My name is Mrs RODNEY BRITTANY NICOLE. I live in United State Of America working here I am from Philippines and i am a happy woman today? and i told my self that any lender that rescue my Company and my Family situation, i will refer any person that is looking for loan to him, he gave me happiness to me and my family, i was in need of a loan of $300,000,00 and was scammed by those fraudulent lenders and a friend introduce me to MR IBRAHIM MUSA,and he lend me the loan without any stress,you can contact him at (powerfinance7@gmail.com)
LOAN APPLICATION FORM
**********************
Your full name:
Country/State:
Loan Amount:
Duration
Phone:
Monthly income:
Occupation:
Awaiting your swift response.
May Allah bless you.
IBRAHIM MUSA
power Financial Service Pvt.
Contact Him At :powerfinance7@gmail.com
WhatsApp Number +919717357946
Instant Personal Loans – There are times when you might need money urgently at a very short notice but are running out of cash. You may wonder as to which lender might sanction a loan at such an occasion! Much to your surprise, you can avail instant personal loans immediately. They are processed very fast, say within 24 hours. You can use these loans for any personal need of yours. You also have the choice to apply for this loan online. Yes, within the comfort of your home, you can apply for this loan and save yourself of all the hassles which you might have to go through otherwise contact us now: email: housingfinance247@gmail.com
LOAN APPLICATION FORM
1) Full Name:
2) Gender:
3) Loan Amount Needed:.
4) Loan Duration:
5) Country:
6) Home Address:
7) Mobile Number:
8)Monthly Income:
9)Occupation:
)Which did you here about us.
Do you need an urgent loan at 3% APPLY: housingfinance247@gmail.com
Do you need a financial help? Are you in any financial crisis or do you need funds to start up your own business? Do you need funds to settle your debt or pay off your bills or start a good business? Do you have a low credit score and you are finding it hard to obtain capital services from local banks and other financial institutes? Here is your chance to obtain a financial services from our company. We offer the following finance to individuals-
*Commercial finance
*Personal finance
*Business finance
*Construction finance
*Business finance And many More:
and many more at 2% interest rate;
Contact Us Via Email:bullsindia187@gmail.com
Do you need an urgent loan for business or to pay bills at 3% interest rate? We offer Personal Loan, Real Estate Loan, Business Loan and others to prospective individuals, companies, cooperate bodies as well as organizations. No matter your credits score ranging from $5000 dollars to $20,000,000.00 duration period of 1 to 30 years Please allow up to 12 hours after applying for a loan to be contacted Any interested person should contact us with the below information. Email Us: ibrahimfunds5@gmail.comTell: +919818473167 First Name:__________ Last Name:_________ Age:__________ Gender:__________ Address:____________ Country:_________ MARITAL STATUS:__________ OCCUPATION:__________ MONTHLY INCOME:__________ Mobil Number:__________ LOAN AMOUNT NEEDED:__________ Loan Amount Needed:__________ Loan Duration:__________ Purpose Of Loan:__________ Email Us: ibrahimfunds5@gmail.com Tell: +919818473167
We specialized in Bank Guarantee {BG}, Standby Letter of Credit {SBLC}, Medium Term Notes {MTN}, Confirmable Bank Draft {CBD} as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed.
We deliver with time and precision as sethforth in the agreement. Our terms and Conditions are reasonable, below is our instrument description.
The procedure is very simple; the instrument will be reserved on euro clear to be verified by your bank, after verification an arrangement will be made for necessary bank documents and stock testing expenses, the cost of the Bank Guarantee will be paid after the delivery of the MT760.
DESCRIPTION OF INSTRUMENT:
Instrument: Bank Guarantee (BG/SBLC).
Total Face Value: Minimum of 1M Eur/USD (One Million Eur/USD) to Maximum of 5B Euro/USD(Five Billion Eur/USD).
Issuing Bank: HSBC London, Barclays Bank, Deutsche Bank Frankfurt, Hong Kong, Any AA rated Bank in Europe or any Top 25 WEB.
Age: One Year, One Day
Leasing Price: 4% of Face Value plus 1% commission fees to brokers.
Delivery: Bank to Bank SWIFT.
Payment: MT-760.
Hard Copy: Bonded Courier within 7 banking days.
All relevant business information will be provided upon request plus our terms and
procedures.
Contact name: Azra Ishaque
Email : lintel.financialservicesplc@gmail.com
Skype : lintel.financialservicesplc
UPDATE ON LOAN REQUIREMENT
What is your situation? *Need 100% financing
*Debt Consolidation Loans *Business Loans *Personal Loans *Home Loans *Car Finance *Commercial Loans *Investments Loans *Debts Consolidation *Business Planning *Commercial Development Finance *Properties Mortgages *Bad credit loans *commercial loans *Start-up- working capital loans *Construction loans *Car loans, *Hotel loans*Student loans at the cheapest interest rate of %. For more details email
us today via email:(bdsfn.com@gmail.com)
Name :
Country :
Phone number :
Amount Needed as Loan :
Purpose of Loan :
Have you applied for loan online before (yes or no)
Email : bdsfn.com@gmail.com
Emaill: anatiliatextileltd@gmail.com
Mrs.Emilia Fedorcakova
Are you looking for a business loan, personal loans, mortgages, car
loans, student loans, debt consolidation loans, unsecured loans, risk
capital, etc. ... You are in the right place
Your loan solutions! I am a private lender who lends
Individuals and businesses at a low interest rate and affordable
Interest rate of 3%. Contact us by email: powerfinance7@gmail.com
LOAN APPLICATION FORM
**********************
Your full name:
Country/State:
Loan Amount:
Duration
Phone:
Monthly income:
Occupation:
Awaiting your swift response.
May Allah bless you.
IBRAHIM MUSA
power Financial Service Pvt.
Contact Us At :powerfinance7@gmail.com
WhatsApp Number +919717357946
Do you need Finance?
Are you looking for Finance?
Are you looking for finance to enlarge your business?
We help individuals and companies to obtain finance for business
expanding and to setup a new business ranging any amount. Get finance at affordable interest rate of 3%, Do you need this finance for business and to clear your bills? Then send us an email now for more information contact us now via Email: ibrahimfunds5@gmail.com
Are you looking for a business loan, personal loans, mortgages, car
loans, student loans, debt consolidation loans, unsecured loans, risk
capital, etc. ... You are in the right place
Your loan solutions! I am a private lender who lends
Individuals and businesses at a low interest rate and affordable
Interest rate of 3%. Contact us by email: powerfinance7@gmail.com
LOAN APPLICATION FORM
**********************
Your full name:
Country/State:
Loan Amount:
Duration
Phone:
Monthly income:
Occupation:
Awaiting your swift response.
May Allah bless you.
IBRAHIM MUSA
power Financial Service Pvt.
Contact Us At :powerfinance7@gmail.com
WhatsApp Number +919717357946
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contact him via email emperorwhite94 at gmail dot com
or via text on +15057181497 or whatsapp
We offer certified and verifiable financial bank instruments via Swift Transmission from a genuine provider capable
of taking up time bound transactions.
FOR LEASING OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
LEASING PRICE = 4%+2%
FOR PURCHASE OF FRESH CUT BG/SBLC
MINIMUM FACE VALUE OF BG/SBLC = EUR/USD 1M
PURCHASE PRICE = 32%+2%
Our BG/SBLC Financing can help you get your project funded,
loan financing by providing you with yearly.
RWA ready to close leasing with any interested client in few banking days
I will be glad to share with you our working procedures.
Name : Christopher Liam
Email : trustedfinancemandate@gmail.com
Skype : trustedfinancemandate@gmail.com
WhatsApp: +13475948294
Hello, Do you need a loan from The most trusted and reliable company
in the world? if yes then contact us now for we offer loan to all
categories of seekers be it companies or for staff usage. We offer
loan at 3% interest rate, Contact us via Whats app +447733527046
trivgoloanfinanace@gmail.com
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Financial Services business and personal loans no collateral require I offer advantageous financial loans: bullsindia187@gmail.com