Mommy G’s

Hindi mo kailangan maging mayaman para kumuha ng insurance.
Ang totoo, mas kailangan ito ng ordinaryong taong walang luxury magkasakit nang walang ipon.
Protection is for everyone, not just the rich.

Habang pinoprocess namin ni client ang partial withdrawal niya sa VUL, napunta ang usapan namin sa isang tanong na madalas ko ring makita online.

"Gem, bakit parang ang daming nagsasabi na nalugi sila sa VUL?"
Valid naman ang tanong niya.
Sa case niya, ang gagawin niya ay ililipat ang parte ng funds niya sa ibang investment vehicle na mas aligned sa current goal niya, specifically MP2.

At habang nagkukwentuhan kami, napag-usapan namin kung bakit may mga tao na feeling nila nalugi sila sa VUL.

Sabi ko sa kanya, madalas hindi dahil "pangit" ang VUL.
Kadalasan, expectation versus reality.
May mga kumuha ng VUL na ang tingin ay investment lang ito. Kaya kapag nakita nilang hindi lumaki agad ang fund value o bumaba ito dahil sa market conditions, pakiramdam nila nalugi sila.

Pero ang VUL kasi ay insurance muna bago investment.
Habang insured ka, may life insurance coverage kang dala. At depende sa ² maintindihan kung para saan ito kinuha in the first place.
May mga pagkakataon din na habang tumatagal, nag-iiba ang goals ng isang tao. At okay lang iyon.
Katulad ng client ko. Hindi dahil nag-withdraw siya ay mali ang VUL niya. Nagkataon lang na may ibang financial goal siyang gustong paglaanan ngayon kaya nire-review namin ang options niya.
At para sa akin, iyon naman talaga ang essence ng financial planning.
Hindi dahil may isang produkto na "best para sa lahat."
Kundi dahil iba-iba ang goals, priorities, at timelines ng bawat tao.
Kaya kung may VUL ka at may mga tanong ka tungkol dito, huwag agad matakot sa mga nababasa online.
Mas mabuti pa ring maintindihan muna kung paano ito gumagana at kung paano ito naka-align sa sarili mong financial goals.
Minsan, ang kailangan lang talaga ay tamang guidance at malinaw na explanation.
💛
If you're a Sun Life client and you have questions about your policy, fund value, withdrawal options, or kung aligned pa ba ang current plan mo sa iyong goals, feel free to send me a message.
Libre lang magtanong. 😊
📩 Guillerma "Gemma" De Guzman
Your Lifetime and Full-Time Partner for Life

Bilang mommy, mas naging conscious talaga ako sa health coverage at protection ng family ko. 💛

Habang tumatagal at lumalaki ang mga anak natin, mas lalo natin naiisip yung mga bagay na dati hindi naman natin masyadong pinapansin — health, emergencies, at future security.

Kasi narealize ko… hindi enough na okay tayo today. Mas importante yung handa tayo sa mga “what if” ng buhay.

Hindi man natin maibigay lahat ng gusto ng pamilya natin, pero kaya nating ibigay yung peace of mind at protection na kailangan nila. 🥺

If you’re also thinking about your family’s health and future, message me anytime. I’d be happy to guide you. 😊

✨ “Buksan mo, papasukin ako…”

May dala akong good vibes at
protection check para sa’yo at sa pamilya mo. 💛
Minsan akala natin okay na—
pero nagbabago ang needs habang tumatagal.
Let’s reconnect, kwentuhan lang.
Siguraduhin natin na secured ang bukas mo.

📩 Message mo lang ako, Mommy G here to help!

𝑩𝒖𝒊𝒍𝒅 𝒚𝒐𝒖𝒓 𝑻𝒐𝒎𝒐𝒓𝒓𝒐𝒘 𝑻𝒐𝒅𝒂𝒚! 🫶🏼

If you are a parent, please do your kids a favor. Get an insurance! No matter how small the coverage is, make sure you have one. List your partner and kids as beneficiaries. This protects not just you, but the whole family 💛

☀️

𝘽𝙚𝙞𝙣𝙜 𝙧𝙚𝙨𝙥𝙤𝙣𝙨𝙞𝙗𝙡𝙚 𝙥𝙤𝙡𝙞𝙘𝙮 𝙤𝙬𝙣𝙚𝙧 𝙞𝙨 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙩𝙤 𝙘𝙚𝙡𝙚𝙗𝙧𝙖𝙩𝙚. 𝙀𝙫𝙚𝙧𝙮 𝙥𝙡𝙖𝙣 𝙧𝙚𝙫𝙞𝙚𝙬𝙚𝙙, 𝙚𝙫𝙚𝙧𝙮 𝙜𝙤𝙖𝙡 𝙨𝙚𝙘𝙪𝙧𝙚𝙙, 𝙞𝙨 𝙖 𝙨𝙝𝙞𝙚𝙡𝙙 𝙩𝙝𝙖𝙩 𝙥𝙧𝙤𝙩𝙚𝙘𝙩𝙨 𝙛𝙖𝙢𝙞𝙡𝙞𝙚𝙨 𝙩𝙤𝙙𝙖𝙮 𝙖𝙣𝙙 𝙩𝙤𝙢𝙤𝙧𝙧𝙤𝙬.

True love shows up in the responsible decisions we make today to protect the people we care about tomorrow. 💛

Remember: Planning isn't about fear – it's about ensuring everyday needs are met, no matter what life brings! 😉

The Sun Life FlexiRetire option of Sun Life Secure Income can help you take charge of your retirement and protect what’s next. to learn more.

✨ Not all plans are created equal — because not all goals are the same.

Whether you’re aiming to:
💛 Grow your money (Sun MaxiLink 100)
💚 Protect your health (Sun Fit and Well Advantage)
💙 Secure guaranteed income (Sun Secure Income)
there’s a plan designed just for you and your family.

The right insurance isn’t about trends — it’s about your life stage, priorities, and dreams.

Let’s match you with a plan that truly fits your needs today… and tomorrow.
📩 Message me for a FREE consultation
📞 0968 856 3378

Let’s start building your protection + future, one smart decision at a time 💛
— Mommy G, your lifetime & full-time partner for life

✨ Secure today. Enjoy tomorrow. ✨

Looking for a way to build guaranteed income while protecting your family at the same time?
That’s exactly what Sun Life Secure Income is for 💛

Here’s why many parents and future parents love this plan:

✅ May guaranteed annual cash payout
✅ May life insurance coverage from Day 1
✅ May affordable monthly options
✅ Pang-long term — hanggang pagtanda, may income ka pa

Perfect ito kung gusto mo ng:
🌻 dagdag income sa future
🌻 protection ng family mo
🌻 peace of mind habang lumalaki ang kids

Hindi lang ito insurance — it’s a smart financial move for your family’s tomorrow.

👉 CTA:
Message me “SECURE” to get your FREE sample computation today 💬
or comment “INFO” below and I’ll personally reach out to you ✨

Let’s start building your brighter future now 💛

— Mommy G
Your Lifetime & Full-time Partner for Life 💛