travel & lifestyle blog by ruth dela cruz
Life | Personal Finance

Becoming a Financial Advisor | The Perks and Challenges

June 1, 2022

The message I received in my Facebook inbox was not like the usual one that asks if I wanted to purchase a life insurance. It was from one of my business contacts, asking me if I would be interested to work for Pru Life UK. I didn’t realize that a year after that I would write about the story of how I became a Financial Advisor.

The Skills I Needed

I am one of those who left a corporate job to pursue my passion. I didn’t see myself pursuing other careers, or attaching a new job title under my name.

While I believe I can do great things and friends believe that I could create an empire ๐Ÿ˜ฎ (seriously, I have the best set of friends!), I already made peace with myself and decided to not chase the wrong things. I am living a minimalist lifestyle.

I don’t always say yes, but I saw his invitation as an opportunity to grow. Just like how I enjoy my travels , I am still open to new things and going outside of my comfort zone.

I had to do a quick scan of my outdated resume for previous sales experience.

  • I remember my first job working as a barista, our manager would assign me (and my friend, #T!) at the cashier station to sell and push for slow-moving items. We did well and helped manage the store inventory and wastage.
  • As a blogger and creator, I know friends and readers who bought high-value items based on my recommendations.
  • Currently, I apply my client management and project management skills for my business.
  • More importantly, I am a policyholder of Pru Life UK. I am already a believer of the product/brand.

When we had our first meeting, I met the wonderful team of the Lazurite Gold Life Insurance Agency. They presented to me all the things I needed to know and how much money I could earn.

It was funny when my Unit Manager told me that he was quite surprised that I didn’t look impressed with the weekly salary breakdown that he showed me. We were talking about exponential earnings.

I told him that at this age, I already know what I value the most – my time and freedom. But who doesn’t want and need more money?

The question is, would I be willing to give up my time?

I committed to working as a part-time agent.

The Challenges

The team welcomed me and ensured a smooth preparation for my onboarding. I have the most supportive and patient managers.

I took the exam for the Traditional and Variable Life Insurance Licensure. I was so nervous because it has been years since the last time I took a real examination. I passed and got coded last May 2021.

But I didn’t perform as expected.

I was too focused on things I really love – things that bring me peace, money, and joy every day.
I battled with myself asking my “why?”. The BIG WHY.

Why am I in this industry?

Every morning, I see motivational quotes that they send to the group chats, but I only read those as just words and phrases.

I always know how to motivate myself, but I was at the point of letting it go. Then, I thought of the people who trusted me to be in this job.

When I commit to something, I always give my 100%. I always give my heart (and all of my organs). ๐Ÿ˜‚๐Ÿ˜‚๐Ÿ˜‚

I felt the need to deliver and produce to be able to contribute to the team.

My first presentation and closing felt like a first job interview, while I prayed hard as if I were applying for a travel visa.

Rejections are normal, but I am happy to know that most of the people in my network are financially literate to have insurance protection. I want my friends to win in life, too.

At that point, I know that I have to stay committed to and for my clients.

The Perks

At the end of my first year as a Financial Advisor, I was awarded as one of the National Achievers Club awardees. The National Achievers Club only consists of the top 10% of financial advisors in the Philippines.

Top Financial Advisor in the Philippines Ruth dela Cruz
Top Financial Advisor in the Philippines Ruth dela Cruz

My “corporate photo” on file was just randomly taken at home to complete my onboarding requirement. ๐Ÿ˜‚

Top Financial Advisor in the Philippines Ruth dela Cruz

with BM Daryl, AUM Kian, and UM JC

I am thankful for the trust of my family and clients, and the support of my mentors.

I am continuously growing and enjoying this journey as a Financial Advisor while enjoying the perks of being one- from weekly salary, incentives, training, mentoring programs, recognitions, and free travel.

Top Financial Advisor in the Philippines Ruth dela Cruz

Monthly recognition for top performers ๐Ÿ†

Some of the gifts and incentives I received. ๐ŸŽ It is nice to be able to contribute to the team’s success.

Top Financial Advisor in the Philippines Ruth dela Cruz

An opportunity to share my learnings and experiences. ๐Ÿ’–

Just like you, I once told myself that I didn’t need insurance (because I was young and healthy) and that I didn’t need to worry about retirement. But, it is my good relationship with money that pushed me to get one. I remember asking my Financial Advisor friend, Ely to meet me as I wanted to get insurance and start investing. You too can plan for your financial goals and request a quote here.

Just like you, I am not inspired and motivated everyday. There is no motivational quote from Pinterest that could push you to take action. But knowing your “big why” will always help you re-focus.

I always say that I am building a lifestyle,

not a career.

Top Financial Advisor in the Philippines Ruth dela Cruz

A rare moment when I dressed up for an awarding; but on normal days, I am just home in my pajamas, enjoying coffee and securing lives. โ˜•

I am happy to be writing about this little adventure in this blog.

Aside from travel stories, please expect articles about Personal Finance and ways to have a more meaningful life. ๐Ÿ’œ

If you want to work as a part-time Financial Advisor (and have the time and freedom to do the things you love like I do!), you can message me on Instagram @ruthilicious, or send me an email [email protected].

Leave a Reply

Your email address will not be published. Required fields are marked *