Angelo Abejero, Financial Advisor, Sun Life Philippines

5 years to pay lang itong insurance pero covered ka na for 20 years. Ibabalik ang 140% ng lahat ng naihulog mo if walang nangyari sayo sa loob ng 20 years.
Affordable pa!😍

𝑨𝒑𝒑𝒓𝒐𝒗𝒆𝒅 𝒈𝒖𝒂𝒓𝒂𝒏𝒕𝒆𝒆𝒅 𝒄𝒂𝒔𝒉 𝒃𝒆𝒏𝒆𝒇𝒊𝒕 𝒑𝒍𝒂𝒏 𝒇𝒐𝒓 𝒂 𝒇𝒐𝒖𝒓-𝒚𝒆𝒂𝒓-𝒐𝒍𝒅 𝒔𝒐𝒏!☀️

One of the best gifts that a parent can give to her child is an insurance policy.

A friend of mine got an insurance plan for her four-year-old son, the 𝐒𝐔𝐍 𝐒𝐌𝐀𝐑𝐓𝐄𝐑 𝐋𝐈𝐅𝐄 𝐄𝐋𝐈𝐓𝐄. Her son will start to receive a guaranteed cash benefit when he turns 9 y/o then every after 2 years for life. He will also earn dividends which he can use to increase insurance coverage, pay for future premiums, receive in cash, or just leave with Sun Life to earn interest! Her son is also insured and covered with waiver of premium if in case something happens to the parent.

Thank you my friend for the trust.
Yung pinag-usapan lang natin noon, approved na ngayon!💛

Habang tumatanda, nagmamahal din ang insurance.

JUST IN!

POLICY SERVICING 101🤗

Filling out a form for my client who will partially withdraw on the VUL policy she got since 2019. Truly, in times of emergency or life milestone, your insurance plan can help you fund your expenses. Indeed, the power of delayed gratification.💛

This client got Sun MaxiLink Prime way back 2019. This is an insurance with investment that secured your life against unforeseen circumstances and grow your money at the same time. For just an affordable price, you can already start your own policy with the number one insurance comoany in the Philippines, Sun Life Philippines.☀️

To get started, drop me a message.📩

Life Insurance (Traditional vs Variable/VUL)

Just want to share awareness about the difference between Traditional and Variable Unit-Linked Life (VUL) Insurance

"Kuha ka na lang insurance, pare-pareho lang naman 'yan."

Tapos nung after a while, di pala fully gusto 'yung plan, di pala kelangan, sayang ang bayad.

Tapos dyan na lilitaw 'yung "na-scam ako", "scam yang insurance."

So ito, try natin introduce. Educate ba.

Life insurance lang po itong nasa picture.
Wala pa dyan mga pre-need, health, HMO, philhealth, etc.

Ang life insurance po ay naglalaman yan ng mga benepisyo na matatanggap ng kliyente kapag may nangyari sa buhay nila na life uncertainties.

Such as:

Core benefit- Death
Riders (additional benefits added)
- critical illness
- disability
- accidental
- hospital confinement

Ngayon, kung gusto mo na kumuha, it comes in different forms.

Meron tayong 𝗧𝗥𝗔𝗗𝗜𝗧𝗜𝗢𝗡𝗔𝗟 vs 𝗩𝗔𝗥𝗜𝗔𝗕𝗟𝗘.

𝐓𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 - Insurance lang**
𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞 - Insurance at Investment

** Later kasi may ma-encounter kayo na Cash Value, hindi po 'yun Investment na exactly same sa Investment component ng Variable plans.

So sa Variable muna tayo. Mas mabilis yan maexplain. Variable Unit-Linked or VUL ay 2-in-1 plan. May insurance ka tapos may iniinvest rin sa chosen fund mo, later on pwede lumago o bumaba ang value, pwede mo rin ma-withdraw.

Kung gusto mo naman, Insurance lang, Traditional yan!

Sa traditional, merong 𝗧𝗘𝗠𝗣𝗢𝗥𝗔𝗥𝗬 (term insurances) at merong 𝗣𝗘𝗥𝗠𝗔𝗡𝗘𝗡𝗧 (whole life or endowment)

Si 𝐓𝐞𝐫𝐦 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 muna. Sobrang dali nito intindihin. Purong insurance yan (ikaw bahala kung ano laman, death ba or may mga rider pa)

Covered ka for a specific term. Depende sa plan. Merong 5 yrs or 10 yrs.

Renewable rin 'yan. Basta magbayad ka ng insurance hanggat gusto mong macover. If ayaw mo na magbayad, di ka na covered. Tumataas premium nyan every 5 years.

Sa Permanent naman tayo, 𝐖𝐡𝐨𝐥𝐞 𝐋𝐢𝐟𝐞 or 𝐄𝐧𝐝𝐨𝐰𝐦𝐞𝐧𝐭, halos pareho yan. Ang premiums nito, fixed per year unlike sa term insurance. Sila yung Insurance PERO may Cash Value and Dividends. So para syang Term Insurance na may pa-special effects.

𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝𝐬 - ito yung NON-GUARANTEED na binibigay sayong bonus on top ng insurance mo, pwede mo tong withdrawhin or hayaan lang lumago. Bonus ito beh!

𝐂𝐚𝐬𝐡 𝐕𝐚𝐥𝐮𝐞 or 𝐒𝐮𝐫𝐫𝐞𝐧𝐝𝐞𝐫 𝐕𝐚𝐥𝐮𝐞 - Ito yung pakulo na "pag ayaw mo na, may mababalik pa naman sayo kahit papano." Yan yun! Pag umayaw ka na, surrender na, may babalik sayo na pera. Pero di ka na insured ha.

So ano pinagkaiba ng 𝐖𝐡𝐨𝐥𝐞 𝐋𝐢𝐟𝐞 at 𝐄𝐧𝐝𝐨𝐰𝐦𝐞𝐧𝐭?

𝐖𝐡𝐨𝐥𝐞 𝐋𝐢𝐟𝐞 - buong buhay. Hanggang 100 years old usually yan ang maturity. Meaning iinsure ka hanggang 100.

𝐄𝐧𝐝𝐨𝐰𝐦𝐞𝐧𝐭 - ito yung naririnig nyong every year or every 2 years may marereceive ka. Bonus guaranteed payout pedeng lumago hanggang 100 yrs old.

Ganun!

Yung mga types na lang nyan under, more on payment terms lang yan.

Regular or 𝐋𝐢𝐦𝐢𝐭𝐞𝐝 𝐏𝐚𝐲.

Regular 𝐖𝐡𝐨𝐥𝐞 𝐋𝐢𝐟𝐞 - insured hanggang 100 years old, bayad ka hanggang 100 yrs old.

𝐋𝐢𝐦𝐢𝐭𝐞𝐝 𝐏𝐚𝐲 𝐖𝐡𝐨𝐥𝐞 𝐋𝐢𝐟𝐞 - insured hanggang 100 yrs old, bayad ka limited term like 10 yrs lang kung trip mo. ❤️ Note: May bagong labas na policy si Sun Life ngayon. Sun Legacy. LIMITED PAY 1,2, or 5 years. WHOLE LIFE YON ❤️

Oh sya, mahaba na to. Di yan saktong sakto pero big picture lang 'yan. Syempre marami pang terms and conditions sa bawat kontrata.

Save mo na lang 'to for future reference kung nais mo.

Wala akong sasabihin kung anong maganda dyan kase walang ganun! Depende yan sa maraming factor.

Investment goal, investment risk profile, specific needs for insurance benefits, age, work, health conditions, source of income, etc.

Hindi tayo Anti-VUL.
Hindi tayo Anti-Trad.
Pro-client tayo.

Kayo ang masusunod. Tandaan

*Thanks UM Cindy!🫶🏼

Motivation is what gets you started. Habit is what keeps you going.

Be resilient and ready to bounce back.😉

When something not good happens, you have three choices: You can either let it define you, let it destroy you, or let it strengthen you.

Have a bRighter week ahead!💛

📣Our eligible Sun Life clients! ☀

𝐖𝐚𝐧𝐭 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐭𝐡𝐞 𝐰𝐡𝐨𝐥𝐞 𝐩𝐥𝐚𝐜𝐞 𝐬𝐡𝐢𝐦𝐦𝐞𝐫? 𝐒𝐩𝐞𝐚𝐤 𝐧𝐨𝐰!

We are raffling off a Trip for 2 to Singapore and concert tickets to watch a Grammy & VMA Award-winning artist LIVE!

Sounds like a love story? Check out our full mechanics at
https://sunlife.co/thanksgivingpromo

Drop everything now! You have until November 15, 2023 to become eligible.

*Terms & conditions apply.