Angelo Abesamis - Sun Life Financial Advisor

As your , we bring to life our promise to be here for you, especially in the most challenging times.

In 2021, Sun Life Philippines was able to pay billions in death and living benefits despite the multiple crises the country has faced. As we enter a new journey this year, we are more committed to helping every Filipino rise above challenges and achieve a brighter future. ☀️

READ MORE: https://sunlife.co/SLFulfillsPromise

Message me. Tulungan kita on how to start your insurance policy.

Angelo Abesamis - Licensed SunLife Financial Advisor
📱+63917 428 7872

“𝐓𝐡𝐞 𝐁𝐞𝐚𝐮𝐭𝐲 𝐨𝐟 𝐕𝐚𝐫𝐢𝐚𝐛𝐥𝐞 𝐔𝐧𝐢𝐯𝐞𝐫𝐬𝐚𝐥 𝐋𝐢𝐟𝐞 (𝐕𝐔𝐋) 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞”
warning : A long true story

“Buying life insurance cannot change your life; instead it prevents your lifestyle from being changed.” - Jack Ma

Purchasing an insurance is something na hindi mo nahahawakan at hindi rin nakikita dahil ito ay something intangible.
Hindi mo din siya magagamit pampatanggal ng stress, fill your wants, luxury or mga wisho right away compared when we go to an appliance store, shopping or groceries ❌ Pero over time sa mga panahon na maghahanap ka ng makakapitan? Siya yung paniguradong andyan para sa yo or your family and loved ones when uncertainties strike in 😇

What we are buying is PEACE OF MIND, long term solutions and managing the risks that we all have which can be due to illness, disability, dismemberment or death and even CASH/FUND VALUE accumulated over time in case we OUTLIVED these various RISKS.

Year 2016 early 1st quarter when the Executive got his first policy, its a P500,000 SUN MAXILINK PRIME 🌈 It’s a Life insurance policy linked to unit shares of investments, Policyholder tried to have his 1st insurance policy , anyway it has FUND VALUE one of the major reason Client got it ~ the flexibility and access to the funds in case he would need it in time of emergency ✔️

We didn’t expected low and behold since the executive was very healthy and at the prime of his career early 40’s that I would received a call from him only after a year of his 1st policy anniversary. I set a meeting right away with him to listen to his anxieties and know options we have since his policy was under “contestability period” - 2 years 🙏 He was diagnosed with the “BIG C” stage 2 and need to undergo procedures to prevent spread. The question right away from him was “How can he sustain paying premium?” and in case the inevitable happen, “What can he get from his Sun Maxilink Prime policy?.”

Advisor-Client Relationship 🌻
After carefully assessing situation, policy features and benefits, we had identify the “FLEXIBILITY” features of VUL. Advisor was really not that close to the Client and it was actually a “BY CHANCE” meeting only . This was when I fully realized and appreciated the “VALUE” of what we where selling and our “MISSION”. In Client’s darkest hour, relationship deepened becoming his Confidante of his fears, hopes and what he would like to happen in preparation in case treatments was not successful.🙏

“TOTAL DISABILITY BENEFIT-WAIVER OF PREMIUM”
Upon submission of his clinical abstract and patient’s health condition classified under permanent disability year 2018. Advisor attended seeking approvals of his disablement, since ruling to be considered for “DISABILITY BENEFIT” under the Guidelines is that occurence must be more than 6 months to qualify. During that time Executive was on his 4th month only permanent separation from work .

This was when I proved that Sun Life is really a company with a BIG HEART, after continuous requests and appeals of the Advisor for special approvals and reconsiderations, since Client has huge medical bills and no more work-income to sustain even the monthly cost of benefits . His request for “Waiver of Premium- Total Disability Benefit” got approved ! 🙏

This was what transpired applying features of his VUL til his actual Death Claim 💐
✅ Year 2016 - P10,683 1st quarterly initial premium
Diagnosis happened a year after policy, 2nd Quarter 2017
✅ Year 2016-2017 - P3,565 x 9 months HULUGAN monthly payment mode (to sustain his insurance benefits) while undergoing Chemo procedures and treatments. Client was heavily experiencing cost of treatments with the hope that everything will be alright.
✅Mid Year 2017 - P7,130 - remission stage 1 quarter payment
✅Year 2018 P2,500 - back to monthly recomputation 2018
This was when Executive got separated from work due to permanent disability losing his job. His illness worsen and jumped to another serious complications to stage 4, this was the time that I would often visit him either at home or in the hospital to check on him 😞.
✅ Year 2018 👉 P41,192 - SunLife paid whole year premium applying “Disability-Waiver Premium”.
✅ Year 2019 👉 P42,735 - Sun Life’s 2nd premium “Disability-Waiver”

Total Client’s payment- out of the pocket 👉 P52,398
Total Sun Life payment - Disability 👉 P83,927
Total Payments Policy 👉 P136,325
Fund Value during time of demise 👉 P58,801

TOTAL CLAIM - DEATH PROCEEDS 👉 P1,058,801
500K Maxiprime x 2 face amount 👉 P1,000,000 guaranteed
Remaining Fund Value invested from his Disability premium 👉 P58,801
Claim Processing 👉 7 DAYS ‼️ 🌈

Met the Executive’s Family coming from the province - Monday to file Claim and deposited check to their account the following Monday for comfort and convenience since they are based in the province 🚢 Advisor just instructed the loved ones to open a BPI Account, signed all the documents and wait for further updates, indeed a BRIGHTER LIFE 🔆

𝗔𝗹𝗮𝗺 nyo po 𝗯𝗮 𝗻𝗮 𝗶𝘀𝗮𝗻𝗴 𝘁𝗮𝗼𝗻 𝗹𝗮𝗻𝗴 𝗻𝗮𝗴𝗯𝗮𝘆𝗮𝗱 𝘀𝗶 Client?
You heard that right. Isang taon lang siya nagbayad. 2016 unang nagbayad si client at pagkatapos nun ay si Sunlife na ang nagbayad para sa dalawang taon na premium (pambayad ng insurance). How? Nakakabit sa insurance ni client ang rider na tinatawag na “Total Disability Benefit (TDB).” Since nagfile at na-approved si client noon for total disability due to Stage 3 cancer, yun na rin yung ginamit bilang bayad sa premiums niya. Imagine, around 80K ang ibinayad ni Sunlife para maituloy ni client ang insurance policy niya. May butal pa. Dahil ang 58,000 sa 1 million na death claim niya ay galing din sa TDB. Imaginine mo, ikaw yung insured pero yung insurance company ang nagbabayad para sa yo 👍🏻

𝗔𝗹𝗮𝗺 𝗺𝗼 𝗯𝗮 𝗻𝗮 𝗶𝗻 𝘀𝗲𝘃𝗲𝗻 𝗱𝗮𝘆𝘀, 𝗻𝗮𝗸𝘂𝗵𝗮 𝗻𝗮 𝗮𝗻𝗴 𝗱𝗲𝗮𝘁𝗵 𝗰𝗹𝗮𝗶𝗺?
Minsan mas maigsi pa sa seven days ang aabutin. Bottomline, dadating si insurance kapag kailangan mo siya. Ang maganda pa dun ay dahil sa VUL, minimal monthly fees lang ang binabayadan niya dahil flexible si VUL. Kasi hangga’t mayroong fund value ang policy mo, covered ka pa rin kahit minimal monthly fees lang ang bayadan mo. Imaginine mo na hindi pa full amount binabayadan mo pero buo pa rin ibibigay sayo yung claims. Amazing, isn’t it?
Advisor deposited the check to beneficiaries account based province, waited for 3 hours from bank to have it deposited due to some Bank’s Clearing Guidelines when the amount is more than P1M, meron pala ruling ✅

‘Yan ang pangako ni insurance. That’s the Sunlife promise. Buo mo man bayadan o kahit hindi ka consistent sa payments, guaranteed na tutuparin niya yung parte niya. Those are only some of good things that a VUL insurance policy. Hindi pa nababanggit yung iba kagaya investment portion niya.

Again, hindi mo mahahawakan ang insurance pero pagdating sa mga panahon na kailangan mo siya, paniguradong maasahan mo siya para alalayan ka with the help and assistance of your dedicated Advisor 👫💚

Promises fulfilled, commitment delivered with a heart 🙏🌈

🔆
🦅
💛

CCTO : UM

Do you want to create wealth that doesn’t even exist ?”
“Do you want your hard earned income to be protected against our 3 worst enemies :
Death, Disability and Illness
“Do you want to sustain your lifestyle what ever income level you wish?

“How many years it took you to build your business/assets?
Would you like to duplicate/triplicate in 2-3 months, what you have built in 15-20 years or maybe more with lots of sweat, hard work and struggles.

Segurista ka ba for your future? 🤔
Be it for your children’s education ?
For your retirement ? 🥂🍾
Any life goals or future project?✈️🗽
Ayaw mo din ng risk, or any volatility economy ?🤹‍♀️🤦‍♀️

You will surely be interested to talk about our GUARANTEED FUNDS na walang hassle or sakit ng ulo 🧐🤔

Modest returns definitely higher than your bank savings at me insurance protection ka pa for your family, peace of mind 👩‍👩‍👧‍👦

Please see our checklist :
✅DOUBLE your life coverage up to age 100
✅ LIFETIME protection
✅ LIMITED and FIX payment period
✅ CONSTANT and GUARANTEED Cash Benefit of 8% of the face amount every other year lifetime!
✅ CONSTANT PASSIVE INCOME, diversification from your other investment portfolio 💼
✅ Guaranteed CASH VALUE 70-80% of your total payment is loanable, back up as your EMERGENCY FUND ⛈⛈
✅ Yearly projected Dividends based on company performance

Yes we do have it, message ka lang ‼️

For Elite Clients looking for Elite returns of investments and safety haven of their hard earned funds 👍

Let me show you how ☀️