Melanie C. Maravillosa, Advisor

🌱 𝐓𝐡𝐞 𝐁𝐞𝐬𝐭 𝐓𝐢𝐦𝐞 𝐭𝐨 𝐒𝐭𝐚𝐫𝐭? 𝐈𝐭’𝐬 𝐄𝐱𝐚𝐜𝐭𝐥𝐲 𝐖𝐡𝐞𝐫𝐞 𝐘𝐨𝐮 𝐀𝐫𝐞.

They say the best time to plant a tree was 20 years ago. The second best time is 𝐧𝐨𝐰.

Insurance works exactly the same way. We often think, "𝘐'𝘭𝘭 𝘭𝘰𝘰𝘬 𝘪𝘯𝘵𝘰 𝘪𝘵 𝘸𝘩𝘦𝘯 𝘐'𝘮 𝘰𝘭𝘥𝘦𝘳," or "𝘐’𝘭𝘭 𝘸𝘢𝘪𝘵 𝘶𝘯𝘵𝘪𝘭 𝘐 𝘩𝘢𝘷𝘦 𝘮𝘰𝘳𝘦 𝘴𝘢𝘷𝘦𝘥 𝘶𝘱." But just like a seedling, protection needs time to grow.

Starting today—even with something small—means:

✅𝐋𝐨𝐰𝐞𝐫 𝐏𝐫𝐞𝐦𝐢𝐮𝐦𝐬: Your "younger self" always gets the best rates.
✅ 𝐏𝐞𝐚𝐜𝐞 𝐨𝐟 𝐌𝐢𝐧𝐝: You aren't just buying a policy; you're planting a canopy of safety for your family.
✅ 𝐆𝐫𝐨𝐰𝐭𝐡: Your benefits have more time to mature and support your future goals.

Don’t wait for the "perfect" moment. The perfect moment is the one where you decide to take control.

𝐋𝐞𝐭’𝐬 𝐩𝐥𝐚𝐧𝐭 𝐭𝐡𝐚𝐭 𝐬𝐞𝐞𝐝 𝐭𝐨𝐠𝐞𝐭𝐡𝐞𝐫 𝐭𝐨𝐝𝐚𝐲. Message me for a casual chat about a plan that fits your current season of life! ☕✨

As an entrepreneur, many people depend on you-your family, your business partners, your employees. Critical illness could put a lot of strain on finances both for your family and your business.

As your partner in health, Sun Life can help you prepare for the cost of critical illness including hospitalization, post hospitalization and home recovery with the SUN Fit and Well Advantage plan . Get cash for health emergencies due to critical illness so you won’t need to get it from your savings or funds intended for your business.

Invest in your health. It’s worth it!

Visit https://sunlife.co/BIP HealthProtection or send me a DM for more details.

Bright Monday Morning

𝘐 𝘶𝘴𝘦𝘥 𝘵𝘰 𝘸𝘰𝘳𝘬 𝘪𝘯 𝘢 𝘤𝘰𝘳𝘱𝘰𝘳𝘢𝘵𝘦 𝘸𝘰𝘳𝘭𝘥 12 𝘩𝘰𝘶𝘳𝘴 𝘢 𝘥𝘢𝘺, 6 𝘥𝘢𝘺𝘴 𝘢 𝘸𝘦𝘦𝘬 𝘢𝘯𝘥 𝘴𝘰𝘮𝘦𝘵𝘪𝘮𝘦𝘴 𝘦𝘷𝘦𝘯 𝘰𝘯 𝘳𝘦𝘴𝘵 𝘥𝘢𝘺𝘴. 𝘐’𝘮 𝘧𝘰𝘳𝘦𝘷𝘦𝘳 𝘨𝘳𝘢𝘵𝘦𝘧𝘶𝘭 𝘵𝘰 𝘵𝘩𝘪𝘴 𝘤𝘰𝘮𝘱𝘢𝘯𝘺 𝘧𝘰𝘳 𝘶𝘯𝘭𝘰𝘤𝘬𝘪𝘯𝘨 𝘵𝘩𝘦 𝘱𝘰𝘵𝘦𝘯𝘵𝘪𝘢𝘭 𝘐 𝘯𝘦𝘷𝘦𝘳 𝘬𝘯𝘦𝘸 𝘐 𝘩𝘢𝘥, 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘪𝘮𝘮𝘦𝘯𝘴𝘦 𝘭𝘦𝘢𝘳𝘯𝘪𝘯𝘨 𝘢𝘯𝘥 𝘦𝘲𝘶𝘪𝘱𝘱𝘪𝘯𝘨 𝘮𝘦 𝘴𝘦𝘵 𝘰𝘶𝘵 𝘪𝘯 𝘵𝘩𝘦 𝘳𝘦𝘢𝘭 𝘸𝘰𝘳𝘭𝘥.

𝘞𝘩𝘦𝘯 𝘮𝘺 𝘱𝘳𝘪𝘰𝘳𝘪𝘵𝘪𝘦𝘴 𝘤𝘩𝘢𝘯𝘨𝘦𝘥 𝘢𝘯𝘥 𝘱𝘩𝘺𝘴𝘪𝘤𝘢𝘭/𝘮𝘦𝘯𝘵𝘢𝘭 𝘩𝘦𝘢𝘭𝘵𝘩 𝘣𝘦𝘤𝘢𝘮𝘦 𝘮𝘰𝘳𝘦 𝘰𝘧 𝘮𝘺 𝘤𝘰𝘯𝘤𝘦𝘳𝘯, 𝘐 𝘱𝘳𝘢𝘺𝘦𝘥 𝘵𝘰 𝘧𝘪𝘯𝘥 𝘢 𝘫𝘰𝘣 𝘵𝘩𝘢𝘵 𝘸𝘰𝘶𝘭𝘥 𝘨𝘪𝘷𝘦 𝘮𝘦 𝘵𝘪𝘮𝘦 𝘧𝘳𝘦𝘦𝘥𝘰𝘮 𝘢𝘯𝘥 𝘢 𝘴𝘦𝘯𝘴𝘦 𝘰𝘧 𝘱𝘶𝘳𝘱𝘰𝘴𝘦. 𝘈𝘯𝘥 𝘴𝘰 𝘢𝘧𝘵𝘦𝘳 𝘥𝘪𝘴𝘤𝘦𝘳𝘯𝘮𝘦𝘯𝘵, 𝘐 𝘥𝘦𝘤𝘪𝘥𝘦𝘥 𝘵𝘰 𝘲𝘶𝘪𝘵 𝘮𝘺 𝘫𝘰𝘣 𝘢𝘯𝘥 𝘎𝘰𝘥 𝘰𝘳𝘤𝘩𝘦𝘴𝘵𝘳𝘢𝘵𝘦𝘥 𝘵𝘩𝘦 𝘳𝘦𝘴𝘵.

𝘛𝘩𝘢𝘯𝘬 𝘺𝘰𝘶 𝙎𝙪𝙣 𝙇𝙞𝙛𝙚 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘴𝘭𝘰𝘸 𝘮𝘰𝘳𝘯𝘪𝘯𝘨𝘴, 𝘧𝘰𝘳 𝘭𝘦𝘵𝘵𝘪𝘯𝘨 𝘮𝘦 𝘦𝘹𝘱𝘦𝘳𝘪𝘦𝘯𝘤𝘦 𝘵𝘩𝘦 𝘴𝘪𝘮𝘱𝘭𝘦 𝘫𝘰𝘺𝘴 𝘰𝘧 𝘦𝘷𝘦𝘳𝘺𝘥𝘢𝘺 𝘭𝘪𝘧𝘦, 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘦𝘹𝘵𝘳𝘢 𝘵𝘪𝘮𝘦 𝘸𝘪𝘵𝘩 𝘮𝘺 𝘭𝘰𝘷𝘦𝘥 𝘰𝘯𝘦𝘴, 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘨𝘪𝘧𝘵 𝘰𝘧 𝘵𝘪𝘮𝘦 𝘵𝘰 𝘥𝘰 𝘵𝘩𝘪𝘯𝘨𝘴 𝘰𝘯 𝘮𝘺 𝘰𝘸𝘯 𝘵𝘦𝘳𝘮𝘴, 𝘧𝘰𝘳 𝘮𝘢𝘬𝘪𝘯𝘨 𝘢 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘤𝘦 𝘵𝘰 𝘰𝘵𝘩𝘦𝘳 𝘱𝘦𝘰𝘱𝘭𝘦’𝘴 𝘭𝘪𝘷𝘦𝘴 𝘢𝘯𝘥 𝘧𝘰𝘳 𝘮𝘢𝘬𝘪𝘯𝘨 𝘮𝘦 𝘢𝘯 𝘪𝘯𝘴𝘵𝘳𝘶𝘮𝘦𝘯𝘵 𝘵𝘰 𝘴𝘢𝘷𝘦 𝘰𝘯𝘦 𝘭𝘪𝘧𝘦, 𝘰𝘯𝘦 𝘧𝘢𝘮𝘪𝘭𝘺 𝘢𝘵 𝘢 𝘵𝘪𝘮𝘦.

𝘛𝘩𝘢𝘯𝘬 𝘺𝘰𝘶 𝘥𝘦𝘢𝘳 𝘤𝘭𝘪𝘦𝘯𝘵𝘴 𝘧𝘰𝘳 𝘤𝘩𝘰𝘰𝘴𝘪𝘯𝘨 𝘮𝘦 𝘢𝘴 𝘺𝘰𝘶𝘳 𝙎𝙪𝙣𝙇𝙞𝙛𝙚𝙋𝙖𝙧𝙩𝙣𝙚𝙧𝙁𝙤𝙧𝙇𝙞𝙛𝙚.

#8𝙩𝙝𝙎𝙪𝙣𝙣𝙞𝙫𝙚𝙧𝙨𝙖𝙧𝙮
#𝙎𝙪𝙣𝙇𝙞𝙛𝙚𝙋𝙖𝙧𝙩𝙣𝙚𝙧𝙁𝙤𝙧𝙇𝙞𝙛𝙚

𝐁𝐫𝐢𝐠𝐡𝐭 𝐓𝐢𝐩𝐬 𝐰𝐡𝐞𝐧 𝐏𝐒𝐄𝐢 𝐓𝐮𝐫𝐧𝐬 𝐁𝐮𝐥𝐥𝐢𝐬𝐡

𝘛𝘩𝘦 𝘣𝘦𝘯𝘤𝘩𝘮𝘢𝘳𝘬 𝘪𝘯𝘥𝘦𝘹 (𝘗𝘚𝘌𝘪) 𝘤𝘰𝘯𝘵𝘪𝘯𝘶𝘦𝘥 𝘪𝘵𝘴 𝘣𝘶𝘭𝘭𝘪𝘴𝘩 𝘳𝘶𝘯 𝘵𝘰 𝘤𝘭𝘰𝘴𝘦 𝘢𝘵 𝘪𝘵𝘴 𝘩𝘪𝘨𝘩𝘦𝘴𝘵 𝘭𝘦𝘷𝘦𝘭 𝘴𝘪𝘯𝘤𝘦 𝘍𝘦𝘣𝘳𝘶𝘢𝘳𝘺 2022 𝘰𝘯 𝘵𝘩𝘦 𝘣𝘢𝘤𝘬 𝘰𝘧 𝘢𝘯 𝘢𝘨𝘨𝘳𝘦𝘴𝘴𝘪𝘷𝘦 𝘳𝘢𝘵𝘦 𝘤𝘶𝘵 𝘣𝘺 𝘵𝘩𝘦 𝘍𝘦𝘥𝘦𝘳𝘢𝘭 𝘙𝘦𝘴𝘦𝘳𝘷𝘦 (0.5%), 𝘳𝘢𝘵𝘦 𝘤𝘶𝘵 𝘣𝘺 𝘵𝘩𝘦 𝘉𝘢𝘯𝘨𝘬𝘰 𝘚𝘦𝘯𝘵𝘳𝘢𝘭 𝘯𝘨 𝘗𝘪𝘭𝘪𝘱𝘪𝘯𝘢𝘴 𝘰𝘳 𝘉𝘚𝘗 (0.25%), 𝘵𝘩𝘦 𝘭𝘰𝘸𝘦𝘳𝘪𝘯𝘨 𝘰𝘧 𝘵𝘩𝘦 𝘙𝘦𝘴𝘦𝘳𝘷𝘦 𝘙𝘦𝘲𝘶𝘪𝘳𝘦𝘮𝘦𝘯𝘵 𝘙𝘢𝘵𝘪𝘰 (2.5%), 𝘢𝘯𝘥 𝘴𝘵𝘳𝘰𝘯𝘨 𝘧𝘰𝘳𝘦𝘪𝘨𝘯 𝘧𝘶𝘯𝘥 𝘪𝘯𝘧𝘭𝘰𝘸𝘴 𝘳𝘦𝘤𝘦𝘯𝘵𝘭𝘺.

𝘛𝘩𝘦 𝘗𝘩𝘪𝘭𝘪𝘱𝘱𝘪𝘯𝘦 𝘚𝘵𝘰𝘤𝘬 𝘌𝘹𝘤𝘩𝘢𝘯𝘨𝘦 𝘪𝘯𝘥𝘦𝘹 (𝘗𝘚𝘌𝘪) 𝘳𝘰𝘴𝘦 𝘣𝘺 1.16% 𝘰𝘳 86.76 𝘱𝘰𝘪𝘯𝘵𝘴 𝘵𝘰 𝘦𝘯𝘥 𝘢𝘵 7,554.68 𝘰𝘯 𝘖𝘤𝘵𝘰𝘣𝘦𝘳 7, 2024. 𝘛𝘩𝘦 𝘮𝘢𝘳𝘬𝘦𝘵 𝘪𝘴 𝘯𝘰𝘸 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘦𝘥 𝘵𝘰 𝘣𝘦 𝘪𝘯 𝘵𝘦𝘤𝘩𝘯𝘪𝘤𝘢𝘭 𝘣𝘶𝘭𝘭 𝘮𝘢𝘳𝘬𝘦𝘵 𝘵𝘦𝘳𝘳𝘪𝘵𝘰𝘳𝘺 𝘢𝘴 𝘪𝘵 𝘪𝘴 𝘯𝘰𝘸 𝘶𝘱 𝘣𝘺 𝘮𝘰𝘳𝘦 𝘵𝘩𝘢𝘯 20% 𝘧𝘳𝘰𝘮 𝘵𝘩𝘦 52-𝘸𝘦𝘦𝘬 𝘭𝘰𝘸 𝘰𝘧 6,159.48 𝘭𝘰𝘨𝘨𝘦𝘥 𝘰𝘯 𝘑𝘶𝘯𝘦 21, 2024.

𝘋𝘪𝘷𝘦𝘳𝘴𝘪𝘧𝘺𝘪𝘯𝘨 𝘪𝘯 𝘥𝘪𝘧𝘧𝘦𝘳𝘦𝘯𝘵 𝘢𝘴𝘴𝘦𝘵 𝘤𝘭𝘢𝘴𝘴𝘦𝘴 𝘣𝘰𝘵𝘩 𝘭𝘰𝘤𝘢𝘭𝘭𝘺 𝘢𝘯𝘥 𝘨𝘭𝘰𝘣𝘢𝘭𝘭𝘺 𝘳𝘦𝘥𝘶𝘤𝘦𝘴 𝘮𝘢𝘳𝘬𝘦𝘵 𝘳𝘪𝘴𝘬 𝘪𝘯 𝘱𝘰𝘳𝘵𝘧𝘰𝘭𝘪𝘰𝘴.

To my existing VUL and MF clients, send me a DM so we can review your risk tolerance and choose the appropriate fund/s for you.

Sun Life’s Health & Accident (H&A) Team in collaboration with Roche (Philippines), Inc., invites you to our Health Webinar
on October 4, 2024 (Friday) 10:00AM-12:00NN via Zoom.

Register for FREE: https://sunlife.co/BreastCA_10042024

We’ve made it easier for you.

File your hospitalization (HIB) claim in a few clicks! 👇

Sun Life’s Health & Accident (H&A) Team in collaboration with Boehringer Ingelheim (Philippines), Inc. invites you to Interstitial Lung Disease Webinar, our Client Health Webinar on September 6, 2024 (Friday) 10:00AM-12:00NN via Zoom. Register now for FREE 👇
https://sunlife.co/ILD_09062024