Bright Seaman Goals

You refuse to get Life Insurance because you already have one at work as benefits in company.

It’s good if you are planning to WORK forever. Because when you resign, your Life Insurance at work also ENDs.

But now let me give you some piece of advise.

What if I offer you a Life insurance at affordable price that secure you for a lifetime? Which also includes investment at stock market that will let your money grow thru time? To add, it will become another source of income for you. You don’t have to start big, you just have to START NOW.

My options, Your CHOICE!
Remember, Life is Always Brighter Under The Sun!

Wag ka na mahiya. Tara! Usap tayo!

Let’s meet and discuss your financial goals. Count on me, and I’ll walk you through! Promise! 😊☀️

📩Send me a message for more information
Bright Seaman Goals

BUSINESS OWNER INSURANCE
𝗔 𝗣𝗿𝗼𝗺𝗶𝘀𝗲 𝗙𝘂𝗹𝗳𝗶𝗹𝗹𝗲𝗱 𝗯𝘆 𝗦𝘂𝗻 𝗟𝗶𝗳𝗲
₱𝟮𝟮,𝟵𝟴𝟰,𝟬𝟱𝟳.𝟲𝟯 (22.9 MILLION) 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺 😇
The client is a 47 year old businessman, active and with a healthy lifestyle.
He was only depositing 700K yearly for 7 years (A total of 4.9M Premium Paid) and it only took less than 1 month for the cheque to be released to his family.
One thing I have learned about businessmen is they know how to protect their assets as much as they know how to earn them.
Why am I sharing this?
✅ If you are earning well either in work or in business, you can do the same as the client did, invest a portion to Life Insurance, so your loved ones will still continue the life you both envisioned even at the time of demise.
✅ For smooth processing of claims, always make sure that the requirements to be submitted is complete.
✅ For those who do not believe in the power of Life Insurance due to their own reasons or worst due to “tsismis”.
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Bright Seaman Goals
CTTO

Of course yayayahin kita mag kape ☺️

Tumataas ang monthly charges for Regular-Pay VUL over time dahil sa insurance charge related to mortality cost.
(Mortality cost is based on age, gender, smoking habits and risk class of the insured.) Kasali din sa insurance charge ang premium na binabayad for the riders.

Bakit tumataas ang insurance charge?

The risk of death becomes higher as we get old, therefore, the higher the risk the higher the insurance charge.

Why is life insurance possible?

Because it is a risk-sharing business. Kinukuha yung pambayad sa risk dun sa contribution ng kada isang insured para sa kapalit na malaking pera na binili mo for your family.

Bakit ka magpapa-insure?

Dahil masmaliit ang ilalabas mong pera compared dun sa masmalaking pera na binili mo sa insurance company na iaabot nila sa maiiwanan mo pambayad sa mga gastos na iiwan mo.

Bakit may premium charge and monthly charges?

Eto ang bumili nung malaking perang iiwan sa pamilya na tinatawag na death benefit.

Yung pera naman na nakikita mo sa fund value ang perang pwede mong withdrawhin pagdating ng panahon for your future goals.

Bakit gugustuhin mo ng VUL?

Dahil meron kang fund value na pwede mong withdrawhin ng buhay ka pa. (Sa term insurance kasi death benefit lang kaya murang-mura siya. Wala siyang living benefit.)

Mas-affordable ang VUL compared to other life insurance plans na may living benefit.

Anong kailangan mong malaman before ka kumuha ng VUL?

-tumataas ang monthly charges over time.
-may risk involved dahil sa investment component kaya ang fund value pwedeng bumaba.
-ang monthly charges ay kinakaltas sa fund value.

One of my personal reasons bakit gusto ko ng VUL?

-hindi kasi agad naglapse ang plan ko nung matagal akong hindi nakakabayad dahil as long as there is enough fund value to pay for the monthly charges, you are insured.

Magpa-explain ka sa financial advisor mo na kaharap ang proposal habang ine-explain niya. Basahin mo din ang proposal para maitanong mo na din ang mga kailangan mo itanong before ka kumuha ng VUL.

*Masmaganda na ang may alam before bumili ng kahit anong insurance, asset or investment.

Sino ang nagsulat nito: Si Tatiana Cyrile Alvarez-Castro ay dating financial advisor sa Sun Life for 11 years and 8 months (7 years na unit manager) na nagfo-focus na ngayon to help insurance advisors better appreciate what life insurance can do because there is no other financial instrument that can prepare the instant big amount that is readily available the moment it is needed most. (Merong iba ibang klaseng life insurance na may kanya kanyang unique features na kailangan ding aralin mabuti ng financial advisor para maslalo niyang matulungan ang mga kliente niya.)



Severino Tubon

Why most people start their Insurance in December? 🎅🏻

Bakit nga ba?
Here are some reasons (galing na rin mismo sa mga clients ko)

• December is the time where you receive your bonus. May extra money ka na pwede ilagay sa Insurance mo
• You expect to have more liabilities in early 2024. Dadaan ang pasko at bagong taon, maraming gastos para sa regalo, parties, get together, etc.
• Your income changes
• The best gift for someone you truly care about is a flow of consistent income. Best gift mo rin para sa sarili mo.
• You intend to start a family or get married. Kasama sa family planning ang pagkakaroon mo at ng partner mo ng insurance. You need to protect your finances no matter what.

Kaya tara na! Let's assess your needs and prepare for your future before the year ends.

Finish the 2023 na insured.
Welcome the new year 2024 na insured.



Severino Tubon

Fighting💪🙏🏽Lynne Tapiceria-Tubon

Thank you Teacher for the trust 🙏🏽

After 6 years and every 2 years thereafter until age of 100 ay makakareceive na si Ma’am ng GUARANTEED cash endowment benefit.

If lifetime source of GUARANTEED cash payouts ang hanap mo, message mo na din ako at pag usapan na natin yan!


Lynne Tapiceria-Tubon

THINGS TO PONDER!!!

1. Not enough knowledge about insurance - Akala kasi ng iba kapag namatay ka saka mo lng ito mpapakinabangan, saka lang makukuha ng beneficiary. NO! HINDI PO. Iba't ibang insurance plan para sa iba't ibang goal at plano mo sa buhay. 🤗

2. Budget - Pang mayaman lang daw ang insurance. NO! HINDI PO. May mga affordable pong life insurance pero naka base padin ito sa age, lifestyle, nature of work at kung smoker or non smoker ka.

3. Fear - to ask, to learn, to trust. Sabagay, mahirap nga naman ipagkatiwala ang long time ipon mo, bka ma-scam ka. NO! HINDI PO. dito kay Sun Life, hindi po kami scammer. Sunlife has been with the PH for about 128 yrs already, never nag sara, never nalugi, never hindi nag bigay ng claims. Even in history, Sun Life is very truthful and generous with their clients.

WAG PONG MAHIYANG MAG TANONG, PM ME FOR ANY QUESTIONS, QUOTATION AND INSURANCE DISCUSSION. All for free!

Ctto
Severino Tubon
Bright Seaman Goals

Paalala po sa madla, hindi pancit ang magpapahaba ng buhay niyo kapag nagka-critical illness na kayo at kailanganin niyo na ng fund para sa medication at recovery niyo.
Health/life insurance po.

😎

Severino Tubon

SUN SMARTER LIFE ELITE PESO 10. Perfect sa merong mga baby ✅💛

Nagbibigay si Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.

You read it right! 👍
Magbibigay si Sunlife ng guaranteed 8% ng face amount on 6th year of the policy kada 2 taon ang pagbigay hanggang tumanda ka until age 100. Diba ang ganda, may pension ka na until you reach age 100!!

Message me for details!
Severino Tubon

A PICTURE THAT TELLS A THOUSAND WORDS.

Insurance is for your family. 👨‍👩‍👧‍👦

If you need a customized plan based on your budget. Just let me know 🙌🏻 🤗

Let's set a 30 minutes online meeting ASAP!


Severino Tubon

Have you realized that as each day ends, it means a day closer to your last breath? You just don't know when. If you are a breadwinner, make sure you have an income replacement plan for your dependents should you be taken away from the picture at any given time.

Allow me to help you protect your family. Let's talk.

Severino Tubon Jr
Sun Life Financial Advisor