Baby-Ann Atienza- Sunlife Financial Consultant

SHARING IS CARING ✨

👩‍💻Client: She, alam mo my dad died leaving us money sa bank.
👩‍💼She: Kumusta? Nakuha niyo na?

👩‍💻Client: Not yet. I was surprised ang dami pala requirements. Around 300,000 lang yun pero nahirapan pa kami kunin.😭😭

👩‍💼She: That's why Achi # # # I always educate my clients to transfer it, if not "kurot" a portion from their bank to create instant cash asset in insurance. Ganun din naman. Magpapamana ka, bakit mo pa sila papahirapan?

Ang pamana wag natin gawin pabigat. (Then I showed death claim requirements from Sun Life). Nagulat si Achi # # #.

👩‍💻Client: Huh? Yan lang.

👩‍💼She: Yes, Achi # # #. Life insurance is the most powerful asset that you can have. Cash asset, liquid, at the time they need it the most.

Below is a sample documentary requirements from a "BANK" to claim funds of a deceased person. Mabuti na yun alam na natin ahead of time. Ang konti no?! 😬

CTTO Sheryl Tan

👩"Sana pala MAS MAAGA ka nakilala ng asawa ko."😓😢😥

👩🏻‍💼Mam, to be honest. Ikaw po ang dahilan bakit hindi ko Na-INSURE si Sir. Dahil sabi mo priority mo yung pag sali sa paluwagan na lang.

👩 Balikan mo ako sa September papa-insured ko na rin ang Anak ko.😥

Convo with my WIDOW CLIENT last night (June272020)
Natapos ang usapan na Full of regrets. I dont see the same person ive talked to before. Yung taray, yung feeling na "Wala namang mangyayari" lahat nagbago.
Yung negosyo na supposedly partnership between her husband and brother naka hang sa ere. Naetsapwera na si Misis. 2Million Pesos is Big amount to Start a new life.

Hindi namin mapapalitan ang asawa nyo, pero pwede namin mapalitan yung income na nawala.

Nobody gets hurt by having a safety net.
START no matter how small. This is your wakeup call❗

I am your advisor, your partner for life 💛

ctto

HINDI TAYO MAUUBUSAN NG DAHILAN SA PAG REJECT SA INSURANCE. PERO TANDAAN MO NA NAUUBUSAN NAMAN TAYO NG PANAHON PARA SA OPPURTUNITY NA MASECURE ANG SARILI MO AT FAMILY MO.

"IF YOU FAIL TO PLAN, YOU ARE PLANNING TO FAIL".

READ IT AGAIN.

“MERON NA KAMI EH” 🥺

PINAKA GASGAS & PINAKA MALING REJECTION NA NARINIG KO SA BUONG BUHAY KO!❌❌❌

Yes! Worse than saying “NO”

Wanna know why?
Because “NO” can have different meaning...
1. No, dahil wala kaming budget now
2. No, dahil may iba pa kong priorities right now
3. No, dahil ayaw ni misis
4. No, dahil hindi ko alam kung bakit ko siya kailangan now.

No can be No because they don’t have enough funds or knowledge about the benefits. So baka hindi lang sila ready and educated pag dating sa ganung bagay.

🤔Bakit worse si “MERON NA KAMI EH”?🤔
Kasi the fact that we have insurance the more na alam natin importance nito. Pag sinabi mo ang MERON NA KAMI its as if you are blocking the opportunity to get more protection sa Finances mo kahit alam mo na ang halaga nito. Eh diba The more nga na alam dapat natin this time na one insurance policy will never be enough.

You need to revisit and review from time to time with your Financial Advisors kung ano nga ba ang enough. It doesn’t mean kailangan mong bumili ng insurance pag nag meet ka ng FA.

Mahalagang alam mo kung magkano ang kailangan mong INCOME, EXPENSES, SAVINGS, and INVESTMENTS. Para alam mo paano pa igrow ang portfolio mo. 💰💰💰

Ctto from Lilly Chua😊

Iniwan sa store ang bayad niya sa plan.
TRICYCLE DRIVER INSURED💯

Advisor: "buti nakakapagbayad ka kahit walang byahe ng tricycle?".
Tricycle driver na client: "Di pwede mawala yan, yan ang magtutuloy ng byahe ng pangarap ko para sa kanila".

Pang MMK yung binitawan na salita ni kuya.
Iba iba man ang laban natin sa buhay, Lahat para parin sa pamilya at pangarap.

✅Insurance - cash na maiiwan sa pamilya
✅Health riders - pandagdag sa budget pag nahospital o nagkasakit ng malala.
✅Investment - part ng binabayad mo iniinvest sa stockmarket para kumita at may magamit ka soon for retirement, educ funds, business etc.

Kung si kuya tricycle driver kinakaya niya, may pasada man o wala. Ano ang excuse ng iba?

Kayang kaya talaga kung gugustuhin!

(ctto)

To all my OFW friends..Hindi tayo habang buhay malakas at healthy kaya magpa Insured na para sa future mo at ng pamilya mo🤗

Message me for a Free financial planning🤗

"as of July 19, 2023
Sun Life ng anak ko, may withdrawable na 1.4Milyon.
di ko pa to nahulugan ulit hinahayaan ko muna tumubo. actually ang plan ko by 18 years old milyonarya na sya, kaso 8 years old pa lang lagpas na (hulog kasi ako ng hulog noon).

nag aayos kasi ako ng insurances namin, bukod kasi sa Insurance, kinuhanan ko rin sya ng Investment nung baby pa lang sya, wala pako sa Sun Life may Sun Life na si Jassy. Ganun talaga pag believer ka hindi dahil employed ka. anyway bumaba ito nag 1.5M na ito e pero ok lang yun kasi kung yung pera di ko naitabi di ko alam kung nasan na kagaya ng tanong mo kung nasan na ang pera mo 8 years ago, ito napipilitan ako mag ipon hahaha.

anyway if plan mo kuhanan anak mo Sun Life, I suggest unahin mo sarili mo. meron kami plan as low as 12 pesos daily meron na yung
500,000 Death Benefit/
500,000 Critical Illness
500,000 Accidental Death Benefit
Waiver of Premium"

Ctto💛

Life insurance premiums are generally cheaper when purchased at a younger age due to several factors that influence the cost of coverage.

Here are the primary reasons why life insurance premiums are lower for younger individuals:

1. Lower risk: Life insurance premiums are based on the risk of the insured person dying during the policy term.

Younger individuals typically have a lower mortality risk compared to older individuals.

Statistically, young people are less likely to develop serious health conditions or pass away prematurely, making them a lower risk for insurance companies.

As a result, insurers can offer lower premiums to younger policyholders.

2. Longer policy duration: When you buy life insurance at a younger age, you have a longer policy duration ahead of you.

The insurance company can collect premiums from you for a more extended period, which spreads out the risk and reduces the individual premium amounts. In contrast, if you purchase life insurance later in life, the policy duration may be shorter, requiring higher premiums to cover the higher risk associated with an older age.

3. Accumulating cash value: Some life insurance policies, such as whole life insurance or universal life insurance, include a cash value component that grows over time.

Buying these policies at a younger age allows more time for the cash value to accumulate, which can offset the overall cost of the policy.

The cash value can be used to pay premiums, decrease the policy cost, or even be withdrawn or borrowed against.

4. Health factors: Health is a significant determinant of life insurance premiums.

Younger individuals typically have fewer health issues and are less likely to have pre-existing medical conditions.

Insurers often require applicants to undergo a medical examination as part of the underwriting process, and favorable health results can lead to lower premiums.

As you age, the likelihood of developing health conditions increases, resulting in higher premiums or even potential coverage limitations.

5. Insurability: Life insurance premiums are based on the applicant's insurability, which encompasses factors like age, health, occupation, and lifestyle habits.

When you are young, you generally have a better chance of meeting the insurer's underwriting criteria and qualifying for more affordable rates. As you age, health conditions may arise or worsen, making it more challenging to obtain coverage or leading to higher premiums.

It's important to note that while purchasing life insurance at a younger age can be more cost-effective, other factors such as the type of policy, coverage amount, and specific insurance company also impact the premium cost.

It's advisable to compare quotes from different insurers and consult with a licensed insurance professional to determine the most suitable and affordable life insurance coverage for your needs.

WORTH IT NGA BA OR HINDI ANG VUL?

So, may mga nababasa na namn ako na hindi daw worth it ang pagkuha ng insurance with investment, cge tignan nga natin😁
Hear me out, i opened this VUL account 8 years ago with 20k annual premium or 5k per quarter or 1,667 per month.
Here are the basic facts:

⭐May guaranteed na P700k life insurance coverage ako til age 88. (malamang sa alamang, baka d na ako umabot sa age na yan😅)
⭐May kasama na din syang total disability benefit and accidental death benefit
⭐Lastly, may fund value ung investment ko na P104k as of yesterday.

So, lugi ba? Para saken depende kung pano mo tinitignan at kung bakit ka nag-open in the first place.

Nung nag open ako neto nung 2014, ang main reason ko ay para mapwersa akong makapag-ipon kasi may due evry month.
Did it fulfill my purpose? Big YES kaya nga may 104k na akong ipon sa account na to na pedeng mawidro anytime i may need.💛

Next, sasabhn na lugi ako kasi 160k na ang naihulog ko pero ang ipon ko lang (fund value) ay 104k. Technically, lugi ako ng 56k pero always remmbr na you are also paying for your 700k na life insurance. Hindi sya free.😁

Here's how i see it.
Yung 56k iniiisip ko sya na ung ang bayad ko sa 700k insurance ko sa loob ng 8 yrs.
Meaning, lumalabas lang syang 7k annual premium para sa insurance (56k ÷ 😎 and that's P583 lang kada buwan para sa 700k na insurance!
For me, sulit na sulit na un!
So, lugi? For me, hindi.
I am happy na may account ako at naiopen ko 8 years ago pa.😍

So, what will happen after 10 years na paghuhulog? Itutuloy tuloy ko lang para madagdagan pa ipon ko thru its fund value.
Hindi mo sya titigilan until na iwiwidro mo na dahil magreretire ka.

Hope this somehow shed light sa mga policy holders na nagdadalawang isip kung kukuha or itutuloy pa nila ang kanilang mga insurance accounts. Trust me, having a life insurance policy is going to be worth it!💪

Credits UM Andrei

A Story You Don’t Want to Replicate
•
Wife: Hindi natin priority ang Life Insurance.

Husband: Pero kailangan natin ng protection.

Wife: Uunahin mo pa ba yan kesa sa bayarin sa bahay? Tuition ng mga anak mo? Monthly payment ng sasakyan natin? Mga travel vacation? Internet at cable bills? Car insurance? Etc....

Husband: Ok! Ikaw naman nagba-budget.

Wife : Oo ayos lang iyan, sabihin mo sa Financial Advisor mo ma next time nalang at may savings account ka naman.

Then sa hindi inaasahang pagkakataon na-disgrasya si husband, malaking ginastos sa hospital at mga gamot pero hindi din nagtagal at kinuha na ni Lord.

The wife without any source of income na umaasa lang sa husband, bigla nya naisip na sana kung may Life Insurance lang sana si Husband hindi sana naghihirap at iniisip san kukunin ang Bayarin sa bahay, tuition ng mga anak, monthly payment ng sasakyan, Travel trips, Internet at Cable bills,
Car insurance at naka-freeze pa ang account sa banko. Tapos need to pay the Estate Tax ng beneficiary bago makuha ang savings.

LESSON:
Huwag po natin hintayin maging widow bago maisip ang kahalagahan ng Life Insurance.
Eto dapat ang isa sa PRIORITY dahil hindi natin alam kung kailan tayo kukunin ni Lord.

Protect yourself, protect your Loved ones.
Get adequately insured.

"The first time na may mag-offer sa inyo ng Life Insurance, pag-isipan mabuti dahil baka 'yong advisor na lage nyong binabalewala ay sya palang magbibigay ng bago nyong panimula."

Hindi po dagdag bayarin o gastos ang Life Insurance, bagkus eto ang tutulong sa inyong gastusin at bayarin pagdating ng araw.

Tuloy ang masaganang pamumuhay kung may insurance ang buhay.

Let me help you!

I help Filipinos achieve their financial goals thru proper and practical financial advising. Let me teach a simple budgeting technique that will let you better your financial future.

✉ 𝗦𝗲𝗻𝗱 𝗺𝗲 𝗮 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝗡𝗢𝗪.

Be financially at peace today! Nothing greater than wealth is PEACE OF MIND.