Juan's Brighter Life

“The best time to get insurance is WHEN YOU DON’T NEED IT” 💯💯

——

Sawa ka na ba sa hard selling ng mga Financial Advisers?

Sa FB, maraming ads ang iba't-ibang insurance companies. Aside from that, sigurado akong may isa or dalawa sa kapamilya mo or kaibigan mo ay FA.

Kaso nga lang, nakakasawa minsan na kinukulit ka nila about "financial literacy" and planning, kesyo kailangan mo daw ng insurance, savings, investments at iba pa. Ito "daw" ang responsible way ng pag-manage ng pera at para maipakita mo na mahal mo ang pamilya mo. Ang dami pang posts ng mga FAs, kung anu-anong content na dapat unahin ang insurance, minsan parang nag-g-guilt trip pa, diba?

Dun tayo sa true, anong ginawa mo nung nilapitan ka nila at inalok ng insurance products? Sigurado ako, tinanggihan mo yan. "Na-seen zoned na nga, hindi pa makaramdam si FA." Tapos na-block mo pa sya kasi ang "kulit" nya eh.

Hindi naman ako nam-ba-block, I frankly tell FAs kung meron na akong insurance. And if interested ako sa product, makikinig naman ako. Hindi ako FA, pero sobrang interested ako sa Financial Planning, kaya masasabi kong maalam ako sa ganitong bagay.

Anyway, bakit ko ito sinasabi ngayon? Kasi isa din ako sa inyo na nan-deadma, hindi nakinig, at ngayon ay nagsisisi.

My 3-yr old child got DECLINED sa insurance application. I tried to get her a health insurance for critical illness. Declined na yung application and wala pang explanation kung bakit.

Hindi ko na i-detalye kung ano ang health condition ng anak ko, pero I feel na yun ang dahilan kung bakit na-decline. Despite naka-recover ang anak ko and her latest lab tests show signs of healing, hindi pa rin pumasa sa insurance.

Bakit ako nag-sisisi? July 2022 nagkasakit ang anak ko. Una akong inofferan ng CI health insurance last year. Imagine, kung nag-proceed ako sa application ko last year, eh di sana na-approve na and hindi ko na problema ang future, "possible" medical expenses ng anak ko.

Pero wala na akong magagawa sa nakaraan. Now we have to keep trying sa ibang insurance companies, hoping na ma-approve ang anak namin. And I have to keep working sa current employer ko because they give one of the best health coverages sa mga multinational companies. Instead sana na early retirement so I can focus on this child, I need to keep working here for the insurance. 🥲

So kung wala ka pa ring balak na sagutin yang FA sa inbox mo despite umabot ka magbasa hanggang dito sa tinatype ko, eh ewan ko sayo! The best time to get insurance is WHEN YOU DON'T NEED IT. Wag mo na akong gayahin, baka mag-sisi ka at ma-derail pa ang iba mong financial goals. Wag mong iwasan ang mga FAs, marami kang pwedeng matutunan from them. Just w**d out yung tingin mo eh benta lang ang habol, look for those na patient mag-explain ng products at hindi basta-basta mag-re-resign.

Good luck, and hope you meet the right FA and ma-approve ka sa ano pa mang insurance na ina-applyan mo. 🙏🙏🙏

PS: Ito ang nagastos namin last July for our child's hospitalization. Pasalamat ako at 2 ang HMO namin, nacover ng Intellicare yung hindi kayang i-cover ni Medicard. Gamot yung nacover na yan ni Intellicare, 1 dose lang yan para sa need ng anak namin. Wala kaming binayaran nung na-discharge kami, parking lang. So isa ito sa sinasabi kong hindi ako pwede mag-resign basta because of the health coverage ng employer ko hangga't walang insurance company ang mag-approve sa anak namin. Kung hindi ka pa rin naniniwala sa insurance after mong makita to, make sure that you STAY healthy and strong, siguraduhin mong hindi ka magkakasakit or anyone sa pamilya mo.

~ctto~

4 reasons WHY Life Insurance is important?

1. It provides financial security.
2. Helps to pay off debts.
3. Helps to pay living expenses.
4. Helps to pay medical or final expenses.

Want to know more? Please send me a message 💛

Not just a policy but a 𝗡𝗘𝗖𝗘𝗦𝗦𝗜𝗧𝗬.
Not just a folder but a 𝗙𝗜𝗡𝗔𝗡𝗖𝗜𝗔𝗟 𝗦𝗘𝗖𝗨𝗥𝗜𝗧𝗬.

This could be
☀️ your 𝗰𝗵𝗶𝗹𝗱’𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 𝗳𝘂𝗻𝗱,
☀️ your 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗻𝗱 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱,
☀️ your 𝘄𝗮𝘆 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘆𝗼𝘂𝗿 𝗱𝗿𝗲𝗮𝗺 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, or
☀️ a 𝘀𝗵𝗶𝗲𝗹𝗱 from 𝗵𝗶𝗴𝗵 𝗺𝗲𝗱𝗶𝗰𝗮𝗹 𝗰𝗼𝘀𝘁 𝗼𝗳 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀.

Don’t get confused on the cost of insurance with the value it can bring to you and your family.

Para ka lang kukurot sa savings mo kung saan ang balik sayo kapag kailangan mo na ay more than what you saved 💛

Protect yourself this year from life’s uncertainties. Let me assist you in proper financial planning.

𝑾𝒉𝒚 𝒊𝒔 𝒊𝒕 “𝒏𝒐𝒕 𝒐𝒌𝒂𝒚” 𝒕𝒐 𝑫𝑬𝑳𝑨𝒀 𝒚𝒐𝒖𝒓 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆?

1. 𝑰𝒕 𝒈𝒆𝒕𝒔 𝒎𝒐𝒓𝒆 𝒆𝒙𝒑𝒆𝒏𝒔𝒊𝒗𝒆

The older we get, mas risky na tayo as an individual para iinsure ng insurance companies. Kaya mas mahal na talaga ang mga insurance premiums.

Parang kotse lang din, kapag mas luma na yung car, mas maliit na yung benefits na pwede mong makuha sa car insurance mo. Kaya kung gusto mong makatipid, get it as early as now.

2. 𝒀𝒐𝒖 𝒘𝒊𝒍𝒍 𝒉𝒂𝒗𝒆 𝒂 𝒍𝒆𝒔𝒔𝒆𝒓 𝒄𝒉𝒂𝒏𝒄𝒆 𝒐𝒇 𝒂𝒑𝒑𝒓𝒐𝒗𝒂𝒍

Of course the insurance company wants to make sure na healthy yung mga iinsure nila since they are giving millions.

So as we age, nagdedeteriorate din yung health natin. Kaya most likely kapag mas matatanda na, nagrerequire na ng medical examinations and all.

We are buying insurance with health not with money. Kahit gaano pa kalaki ang kaya mong Ibigay para lang mainsure ka, if hindi ka na healthy, hindi na talaga possible makakuha pa.

3. 𝑾𝒆 𝒎𝒊𝒈𝒉𝒕 𝒏𝒆𝒗𝒆𝒓 𝒈𝒆𝒕 𝒂 𝒄𝒉𝒂𝒏𝒄𝒆

Life is unpredictable. Everyday, madaming pwede mangyari — accident, disability, illness and even death. Hindi natin alam kung kailan 'to mangyayari sa atin.

Hopefully, kapag dumating man ito, ready tayo financially.

Parang fire extinguisher lang. Naglalagay tayo nito sa Bahay para kung sakaling magkasunog, meron tayong magagamit. Hindi naman tayo bibili ng fire extinguisher habang nasusunog yung bahay natin di ba?

I hope before 2023 ends, insured ka na. 🤗
Message me for free financial planning 📩

Thank you Whamoscruz for trusting our company!
Sunlife of Canada (Phils.) Inc.

Alam niyo ba ang insurance plan na kinuha ni Whamoscruz sa kanyang anak ay Sun Smarter Life Elite kung saan kapag nag 6 yrs old na si Baby Meteor, may matatanggap na siyang Guaranteed ₱100,000 every other year hanggang mag 100 yrs old siya bukod pa sa yearly dividends! 😉

Congrats, Baby Meteor! ☀️🤗




Message me po for more info 📩🙋🏻‍♀️

There's no limit to what you can achieve when you choose to be brave. Go on and explore new things, and worry not! You got a true partner coming with you. 💛

An inquiry in my page today. Isa sa mga nakakalungkot na pangyayari. Lalo na ikaw ay breadwinner, supporting sa asawa, anak and parents, paano nalang sila? DEATH, ACCIDENT, and SICKNESS mga pangyayari sa buhay na hindi mo talaga alam kelan ka tatamaan. .

Saang part tayo lugi?
👉Kung sakaling magkasakit si client, Sunlife will pay dahil may health insurance.
👉Kung sakaling mawala sa mundo si client, Sunlife will pay to his beneficiaries dahil Life insurance is your guaranteed pamana sa kanila. Panimula ng buhay or pambayad utang.
👉Kung sakaling tatanda si client, Sunlife will pay for your retirement fund, dividends, and other living benefits.

Sana mas madami pang Filipino ang marealize kung gaano kahalaga ang insurance. May insurance with investments na din.

Let's talk habang healthy ka pa at may panahon pa.

(c) UM Queenie Gosrospe.

As Sunlife Promises 😍

My orphan client received her first Lifetime Pension. She started 6yrs ago. She invested 400,000 in Sunlife.

Ngayon makakatanggap na sya ng ₱185,000 na Lifetime Pension para sa anak nya. Until age of 100 ni baby may aasahan silang money na magagamit sa pag aaral and building businesses. On top of that meron pang ₱4.6 million worth of Life Insurance.

Ayan ang GOAL ni client. Tama po ang nabasa nyo, simula 6yrs old si baby hanggang 100yrs old nya meron siyang ₱185,000. It's because of her mom na nagprepare ahead of time.

This is the power of investing early. 'Pag may inipon ka, may madudukot ka. Hindi ka forever healthy at may trabaho. Save mo future mo at ng pamilya mo. Stick on your long term goals, you'll get there soon.

~CTTO~

Tutulungan kita 💛 Just message me 😉🙋🏻‍♀️

“…ever since I became a mom. You really become so selfless once you become a mom. It's so life-changing. Every time I accept a project or I see a new insurance policy that has to do with education, or life, or health, I always think that I need it for Dahlia just so that I know she's secured for her future.”

Mostly ng mga parent na client ko ganito din madalas na dahilan nila kung bakit sila kumuha ng insurance 😊❤️‍🔥 hindi kailangan malaki or pricey, mahalaga protected and may nasimulan 💯💯💯

Many people don’t realize that insurance only gets more expensive over time. This is also the reason why smart parents are getting their children insured when they are young. 🤫⠀⠀
⠀⠀
If your child does not have insurance, I suggest you spend time talking to me to find out more about it! 😉😉

𝘿𝙞 𝙣𝙖 𝙩𝙖𝙮𝙤 𝙥𝙖-𝙗𝙖𝙩𝙖 ✔️

Some of us are starting or planning their own family na.
Some of us are breadwinners.
Some of us are helping someone to build their future.

But how can we do this if we are no longer capable, or worst is, we are no longer around.

We don't wish for something bad to happen, but the problem is, we won't know for sure what will and 𝐞𝐯𝐞𝐫𝐲𝐭𝐡𝐢𝐧𝐠 𝐜𝐚𝐧 𝐡𝐚𝐩𝐩𝐞𝐧 𝐢𝐧 𝐚𝐧 𝐢𝐧𝐬𝐭𝐚𝐧𝐭❗

Talk to me as your friend that 𝘆𝗼𝘂 𝗰𝗮𝗻 𝘁𝗿𝘂𝘀𝘁, to know your options. Think of it like consulting an expert rather than a business.😉
(c)