Your Wealth Hero

Being poor is never easy. Illiteracy to financial freedom makes it worse! I have learned it the hard way and it has been my advocacy since then to help others seek their way to BRIGHTER LIFE they deserve!

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Read and understand.

Who needs Life Insurance? And Why we need it?

1. While You’re Single---
Most single people don’t need life insurance because no one depends on them financially. But there are exceptions. For instance, some single people provide financial support for aging parents or a sibling with special needs. Others may be carrying significant debt that they wouldn’t want to pass on to family members who survive them. Insurability is another reason to consider life insurance when you’re single. If you’re young, healthy, and have a good family health history, your insurability is at its peak and you’ll be rewarded with the best rates on life insurance.

2. If You’re a Single Parent---
As a single parent, you’re the caregiver, breadwinner, cook, nanny and so much more. Yet nearly four in 10 single parents have no life insurance, and many with coverage say they need more than they have. With so much responsibility resting on your shoulders, you need to make doubly sure that you have enough life insurance to safeguard your children’s financial future.

3. When You’re Married With Kids---
Most families depend on one to two incomes to make ends meet. If you died suddenly, could your family continue meet all their financial obligations—from paying rent or the mortgage to daily living expenses? Could your family continue their standard of living on your spouse’s income alone? Would their plans for the future—like college stay intact? Life insurance makes sure that your plans for the future don’t die when you do.

4. You’re a Stay-At-Home Parent (No work)---
Just because you don’t earn a salary doesn’t mean you don’t make a financial contribution to your family. Childcare, transportation, cleaning, cooking, and other household activities are all important tasks, the replacement value of which is often severely underestimated. With life insurance, your family can afford to make the choice that best preserves their quality of life.

5. When You’ve Retired---
Depending on the size of your estate, your heirs could be hit with an estate-tax payment of up to 45% after you die. The proceeds of a life insurance policy are payable immediately, allowing heirs to take care of these taxes, funeral costs and other debts without having to hastily liquidate other assets, often at a fraction of their true value. Life insurance proceeds are also generally income tax free and won’t add to your estate tax liability, if properly structured.

6. If You’re a Small-Business Owner---
Besides taking care of your family, life insurance can also protect your business. What would happen to your business if you, one of your fellow owners or a key employee died tomorrow? Life insurance can help in a number of ways. For instance, a life insurance policy can be structured to fund a buy-sell agreement. This would ensure that the remaining business owners have the funds to buy the company interests of a deceased owner at a previously agreed upon price. That way, the owners get the business and the family gets the money.

1st face-to-face table training and more to come!

Agay ka!!! Sayon ra jud ni ba kung sakto tag tinigom! Basin mahal pa pod magbyahe as business are still recovering from their. There may be unexpected circumstances still that would add up to the travel expenses such as quarantine, swab tests, etc.human magtinga inig uli kay hubas sa byahe.

How about investing my savings first in a new VUL or in my existing insurance policy for future travel goals? Few years from now, when the world is back to normal, there will be cheap fares & promos again, that's when travelling is perfect! Then I'll see when the market is good to withdraw a portion of my fund value and enjoy this life milestone... If not, I still have this amazing investment I can use later on and knowing that I am insured, first and foremost, is PRICELESS!

Sounds fantastic?! Talk to a Financial Advisor now. 😊

GOOD NEWS: Singapore, Hong Kong, Malaysia and Taiwan set to re-open to International Tourists.

Sunlife launched today its newest branch: Grand Elm NBO, the 3rd branch in Davao City and 7th in Mindanao headed by the youngest BM in Vismin, Don Silver DeLeon Casumpang !!! To qualify and launch another branch is evident that Sunlife and its Advisors remain strong despite pandemic.

Hence, to my dear clients, existing and new, I will see you soon for our policy review. As we launched Grand Elm, so is the return of your Wealth Hero to fulfill my duties in this new era of Financial Planning to serve you better and brighter through your entire financial roadmap.

Warmly,
Your Wealth Hero