Cherry Mae Patao-Alejo, CMPA Financial Consultancy Services

"Because of her critical illness insurance, she can focus wholeheartedly on her treatment, without the added burden of financial worry weighing her down."

As a life insurance advisor, my heart is heavy yet humbled as I reflect on the profound impact of critical illness insurance in the life of my client, a remarkable mother.

Three years ago, amidst life's uncertainties, she made the wise decision to secure critical illness coverage, little knowing the significance it would hold in the years to come.

Today, her world has been turned upside down by a diagnosis no one ever wishes to receive: Invasive Cancer. Yet, amid the turmoil and fear, there is a glimmer of hope – a critical
Illness benefit plan (Sun Fit and Well Advantage plan), providing the foundation upon which she can courageously face the battles ahead.

This mother's story is not just one of illness; it is a testament to the power of foresight, of planning for the unknown with wisdom and prudence. Because of her critical illness insurance, she can focus wholeheartedly on her treatment, without the added burden of financial worry weighing her down.

As her agent, witnessing the impact of this decision fills me with a deep sense of purpose. It reaffirms my belief in the importance of what I do – not merely selling policies, but empowering individuals and families to safeguard their futures against life's unpredictable twists and turns.

👉To all those who have yet to consider the value of critical illness insurance, I urge you to heed this mother's story as an inspiration. It is not a matter of if, but when life will throw its curveballs our way. And in those moments, having the peace of mind that comes from knowing you are protected can make all the difference in the world.

👊To my fellow insurance advisors, let us continue to stand as guardians of peace of mind, offering not just policies, but the promise of security and stability in the face of life's greatest challenges. Together, we can ensure that every family has the opportunity to face the future with courage, resilience, and unwavering hope. ☀

Cherry Mae Patao-Alejo
Insurance Agent for almost 14 years
Proud SunLifer

HOW MUCH

Would you sacrifice both arms and your ability to hug your loved ones for 1 million pesos? I wouldn’t.

Would you sacrifice your eyes and the ability to see your children’s smile for 1 million pesos? I wouldn’t.

Would you sacrifice your health and give up your ability to work for 1 million pesos? I wouldn’t.

In reality, we cannot quantify how much we really mean to our loved ones. You would have said no just like me because you know your worth is to your family, or do you? How much is your insurance again?

How much do you love them? Fund it. Be Insured. Period.


™️

Ctto: Ron Sy

👉If you are between the ages of 18-35, you need to pay attention to this.

Most of you feel you don’t need life insurance. You are at your prime, you do well at work or business - you never expect to get sick, or worst encounter an accident. With this in mind, you forget the very basic need of a burgeoning individual like you - an assurance, that you can get from a LIFE INSURANCE.

So why do you need it?
As we continuously advocate, a Life Insurance should be a part of your Financial Plan. You don't want to lose everything that you've worked for with just one, say, accident, do you? Or let's talk about your financial motives, have you tried investing to market like a mutual fund? This will be an added assurance that the money you've worked for continuously grow even if you don't have to actively take part in growing it.

💪Always remember, you're maybe young, healthy, but none of us is indestructible. There's a sense in pursuing your dreams if you know you are well-protected. ☀️

“MAY INSURANCE NA AKO EH.”
“MAY INSURANCE NAMAN KAMI SA COMPANY.”
“MAY SSS BENEFIT NAMAN.”

Eto ay ilan lamang sa mga natatanggap kong sagot pag nagoffer ako ng life insurance plan sa mga kaibigan at kakilala. Masaya ako sa mga meron na kasi at least naniniwala. Pero ang tanong, sapat kaya?
Madalas masaya tayo pag mura ang plan na nakuha natin. Feeling natin nakatipid tayo. Pag 1M coverage, feeling natin malaki na. Pero natanong mo rin ba sa sarili mo kung sapat nga ang maiiwan mong pera para sa pamilya?

Magkano ba dapat? Kelangan ba sa isang plan, ganun kalaki agad ang coverage?

Meron tayo tinatawag na rule of thumb or estimate pag nagcocompute tayo ng sapat na insurance.
10x annual income or 120x monthly income. Pareho lang po yan.
Example, kumikita ka ng 50,000 per month, ang life insurance coverage mo dapat ay 50,000x120 = 6M.
Ibig sabihin neto, kaya masuportahan ang pamilya mo sa loob ng 10 taon habang nagaadjust sila sa pagkawala ng income earner.

“Eh ang mahal ng 6M coverage, Cherry? Di kaya ng budget.”

Di naman kelangan sa unang kuha mo eh 6M agad ang coverage. Pwede ka magsimula kung ano kaya ng budget mo, pero kasama sa goal mo ang punan ang kulang sa mga susunod na taon o kung kelan mas lumalaki ang budget mo.
Kaya posible magkaroon ng multiple plans/policies .
Pinakamagandang collection kaya ang Insurance plan! Guaranteed Money yan! Pamana mo yan!

Kaya sa mga meron na, pag isipan nyo mabuti, sapat ba? Importante mapunan mo ang nararapat na life insurance coverage mo.
Yun din ang dahilan kung bakit nararapat ang policy review with your financial advisor para makita mo kung gaano ka na kalapit sa goal mo in terms of your insurance at investment for your life goals.

Sa mga wala pa or sa mga gusto magdagdag, FREE consultation po ang offer ko. Let’s do a comprehensive financial planning. Kaya pm na!

Https://m.me/cherrymae.patao

Why life insurance?
Because your family is worth it!

👉The best time to prepare for an emergency is when there isn't one. The best time to buy insurance is when you're young, healthy and INSURABLE.

👉To be clear, the best time to buy life insurance is when there is no need, because most people do not realize the value of insurance until they NEED IT!
At pag kailangan mo na talaga, too late na! If you don't have a policy yet and you suddenly get sick, it will be harder and harder for you to be approved and you would have to prove your insurability through medical requirements!

👉REMEMBER: Getting an INSURANCE is on a case by case basis and NOT EVERYONE gets a chance to be approved. Your HEALTH, your AGE, and our INSURABILITY factors in and all of these MUST BE CONSIDERED before being accepted.

💪Therefore, having an INSURANCE POLICY IS A PRIVILEGE NOT GIVEN TO ALL; but once you have it, you are one of the chosen few who have attained PEACE OF MIND, for the rest of your life.

👉Talk to an insurance advisor today.
MAKE SURE YOU GET YOUR PEACE OF MIND TODAY.☀️