Philippines being the 2nd worst pension system in the world. As someone who cares about my retirement days, 8years ago I decided to get an insurance policy for myself. Hindi ko akalain na may kasamang investment component which I can use for my retirement. Now, I have 3 VUL policies, 2 traditional policies, and pure investments. Ayaw ko lang talaga maging burden sa iba and I really care for my future. Mahirap iasa ang future sa government. 🤷‍♀️🤷‍♀️