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His name is Chad, and he has 100K followers on YouTube.
He was once one of my students and a volunteer in my seminars.
He’s been working as a VA for 10 years.
And..
He interviewed me last night and was able to extract ONE GENIUS IDEA that you have to apply in your VA journey -specially if you’re just beginning, have no experience or afraid to talk to potential clients.

Watch the interview here: Http://jomar.club/likes/3nights

THIS JUST IN : JULY 18 2025: MUST READ

A THREAT TO VAS

Virtual Assistants were invented because there is a lot of work to be done when making money online.

They’re the counterpart of employees.
But online.
AI, however, is becoming smarter and faster than the VA.

Then came July 18, 2025.

The start of AI Agents that work exactly like VAs.
The manual work of the VA – now it’s done by AI.

WORK: RESEARCH+ BOOKING FLIGHTS

Before: You ask Google for the best flights, research, and manually book the flights.

Now, you tell the AI (called AGENTS) to do all of that, including all your personal information needed to book the best flight.

WORK: COLD EMAILING

Before: You use a paid service to find CEOS of companies and locate their email for cold emails. You ask the AI to compose the cold emails. You even read up on each of the ceo’s activities, so the cold email is not that cold.

Now, Agent AI handles the research, composing emails, and asking you to approve each email before sending a customized email to each CEO. Now multiply that by 100 emails a day.

VA in 2025 and beyond:

Virtual Pros will use the Agent AI to decide whether the work produced by the Agent AI is good or not. The VA will type “try again” or “fix this”.

Will check with the agent AI to see if it is more reliable for different tasks.

Will experiment with the best agentic AI for specific tasks.

Will use the best apps for the job.

Will have to personally vet or be confident based on pre-tested prompts /per AI.

Will you be this kind of VA?

How to know if you’re instantly qualified to be this kind of VA:

You know Canva Pro is worth it, so you pay for it. Paying for tools is not a problem for you.

You don’t want to wait for your client to say, “We’re sorry, we have to let you go.”

You’re not lazy. You love upgrading your skills.

You’re not afraid to invest in yourself.

WHO IS THREATENED BY AI AGENTS?
The lazy VA.
The lazy employee.

WHAT IF YOU AREN’T A VA YET?

Learning how to work like a VA in the pre-2025 era is now a waste of your time.

You need to learn AI and then learn Agentic AI (launching July 18, today)

You must learn to accomplish a long workflow in a few minutes because you know how to utilize Agentic AI effectively.=

WHAT MUST YOU DO?

Join us —if you’re still just typing simple stuff into AI, learn beyond the basics tonight. It’s a bonus session valued at P 10,000. Now yours at P 1,999 only.

The main session —> happening on Sept 4,5,6, you will learn how to create working websites that send emails, accept credit cards. (So far, the Agentic AI cannot do this)

It’s your turn to INCREASE!

Jomar Hilario

P.S. Http://jomar.club/likes/3nights —> Join us tonight for the bonus 8 pm-10 pm. Hands-on AI Workshop! (You’ll feel smarter & be able to do incredibly impossible business-related things you didn’t know were possible before!).

2025 Free Life Insurance on Deposit Accounts in the Philippines

Several Philippine banks offer free life insurance as a perk on certain savings or deposit accounts. The coverage is usually linked to your Average Daily Balance (ADB). Below are the major products and their insurance formulas, along with example coverages for ₱100,000 and ₱250,000 balances.

BPI – Pamana Savings

BPI’s Pamana Savings account provides life insurance equal to 3× your ADB, capped at ₱2,000,000. In practice, if you maintain an average balance of ₱100,000, your coverage is 3×100k = ₱300,000. For a ₱250,000 balance, coverage is 3×250k = ₱750,000 (well below the ₱2M cap). (E.g. at ~₱666,667 ADB, 3×ADB would hit the ₱2M cap.)

RCBC – Telemoney Savings

RCBC’s Telemoney account offers life insurance = 2× your ADB (200%) up to ₱1,000,000. Thus, with a ₱100,000 balance (maintained for 6 months), coverage would be 2×100k = ₱200,000. For ₱250,000 balance, coverage = 2×250k = ₱500,000 (still under the ₱1M limit). RCBC requires a minimum balance of ₱10,000 to qualify.

CIMB – UpSave/GSave Accounts

CIMB Bank’s UpSave and GSave accounts come with free life insurance equal to 1× your ADB, capped at ₱250,000. In other words, you get insurance equal to your average balance. Therefore, if your ADB is ₱100,000, coverage = ₱100,000; if ₱250,000, coverage = ₱250,000 (this hits the ₱250K cap). The insurance is renewable monthly as long as you keep the required minimum ADB (₱5,000).

Maybank – Save ‘n Protect Savings

Maybank’s Save ‘n Protect account provides life insurance = 2× your prior-month ADB, capped at ₱5,000,000. You must maintain at least ₱50,000 in ADB to qualify. So with ₱100,000 ADB, coverage = 2×100k = ₱200,000; with ₱250,000 ADB, coverage = 2×250k = ₱500,000. Even very high balances enjoy the same 2× multiplier, but the total cannot exceed ₱5M.

Security Bank – All Access Account

Security Bank’s All Access account comes with free life insurance up to ₱3,000,000 (no medical exam needed). Coverage is based on your ADB over the past 3 months. For account holders aged 18–50, the life benefit is 3× your ADB (max ₱3M). (Ages 51–60 get 1×ADB up to ₱3M.) Thus, a 100K balance yields up to 300K coverage and 250K yields up to 750K (both below the ₱3M cap). (Note: these figures assume age ≤50 and healthy status; see Security Bank’s terms for details.)

Robinsons Bank – IPONsurance Savings

Robinsons Bank’s IPONsurance account offers life insurance up to 4× your ADB (max ₱4,000,000). For account holders 18–50 years old, the formula is tiered: 2×ADB if ADB is ₱20K–49,999; 3×ADB if ₱50K–499,999; and 4×ADB for ₱500,000+. (Ages 51–65 get 1×ADB.) Therefore, with ₱100,000 ADB (in the ₱50K–499K bracket), coverage = 3×100k = ₱300,000. With ₱250,000 ADB, coverage = 3×250k = ₱750,000. (If one had ≥₱500K, it would be 4×ADB up to ₱4M.) Note the ₱20,000 minimum to open this account.

(Note this bank is being absorbed into the BPI, so note this may not be valid anymore)

Other Banks (UNO, EastWest, etc.)

Some smaller banks also offer basic free insurance on deposits. For example, digital UNO Bank’s savings account gives a fixed ₱50,000 life coverage (regardless of your balance). EastWest Bank’s Save and Pawtect savings provides insurance up to ₱50,000 for the account holder (and even pet insurance), independent of deposit amount. These are much lower than the multi-hundred-thousand coverage above.

For completeness, note that state-run LandBank’s new OptiSaver Plus also includes free life insurance for depositors (qualified at ₱50K+ balance), though LandBank has not publicly disclosed the exact multiples per tier.

Summary of Coverages (₱100K vs ₱250K ADB):

• BPI Pamana: 100K→₱300K; 250K→₱750K.
• RCBC Telemoney: 100K→₱200K; 250K→₱500K.
• CIMB GSave/UpSave: 100K→₱100K; 250K→₱250K.
• Maybank Save ‘n Protect: 100K→₱200K; 250K→₱500K.
• Security Bank All Access (age ≤50): 100K→₱300K; 250K→₱750K.
• Robinsons IPONsurance (age ≤50): 100K→₱300K; 250K→₱750K.
• UNO Bank: 50K fixed for either scenario.
• EastWest Save Pawtect: up to 50K (regardless of ADB).

Each value above is drawn from the bank’s published terms or announcements. Actual payout would be the insured sum if a covered event occurs.

Sources: Official bank product pages and advisories . Always check first before doing any action. This is not financial advise.