The Financial Tita

To all my dear clients and policyholders,

Kailan n’yo huling na-review ang policy ninyo? 👀

If it’s been a while, this might be a good time to revisit your coverage.

I’d be glad to walk you through the details again so you can fully understand your benefits and ensure everything still aligns with your goals.

Send me a message anytime — I’m here to assist. 😊

“Mahal na daw kasi matanda na ako?” Not anymore. 😉

With Sun EasyLink Protect, getting insured can still be simple, accessible, and affordable:

✅ Affordable starting premiums — from as low as ₱2,500/month (₱30,000/year)
✅ Protection for your loved ones — minimum life insurance coverage at 5× your annual premium
✅ Growth potential — part of your payment is invested in GLOBAL funds that can grow over time
✅ No medical exam — easier and more convenient approval

Protection doesn’t have to be complicated or out of reach. Start securing your future today.

📩 Message me to get protected NOW.

Kapag tapos na ang bayad sa VUL, wala nang charges.

Wrong!

Isa ito sa mga pinaka-karaniwang misunderstanding sa VUL.

Ang iniisip ng marami,
kapag natapos na ang premium paying period
halimbawa 10 years o 15 years,
tapos na rin lahat ng bayarin.

Parang fully paid na bahay.
Wala nang lalabas na gastos.

Pero hindi ganun nagwo-work yun.

Sa VUL, may dalawang magkaibang bagay na madalas napagkakamalang iisa.
Premium payment at insurance charges.

Yung premium payment,
yun ang hinuhulog mo during the paying years.
Kapag natapos na yun,
tapos ka na sa paglalabas ng premium.

Pero yung insurance charges,
hindi sila nawawala.

Ang cost of insurance ay binabayaran hanggat may insurance coverage ang policy.
At ang coverage sa VUL ay kadalasan until age 88, 99, o 100.

So kahit tapos ka na magbayad ng premium,
tuloy pa rin ang charges.

Ang kaibahan lang,
hindi na siya kinukuha sa bulsa mo.

Kinukuha na siya sa fund value.

Dito pumapasok ang role ng investment component ng VUL.
Hindi siya nilagay para yumaman ka.
Nilagay siya para magsilbing insurance fund.

Diyan ibinabawas ang cost of insurance.
Diyan kinukuha ang admin charges.
Para magpatuloy ang policy kahit wala ka nang hinuhulog na premium.

Kaya kapag sinabing
“fully paid na ang VUL,”
ang ibig lang sabihin nun ay
fully paid na ang premiums,
hindi fully paid ang insurance.

At habang tumatanda ang insured,
tumataas din ang cost of insurance.
Mas risky ka na i-cover.
Mas mahal na ang charges.

Kaya mahalagang i-assess kung sapat ba ang fund value
para saluhin ang tumataas na charges in the future.

Kung sapat,
tuloy ang policy.

Kung hindi,
posibleng maubos ang fund value
at mag-lapse ang insurance
kahit matagal ka nang tapos magbayad.

Hindi ito mali.
Hindi rin ito panlilinlang.

Ganito talaga ang structure ng VUL.

Kaya kapag kukuha ng VUL,
hindi lang tanong kung hanggang kailan ka magbabayad,
kundi kung hanggang kailan kayang buhayin ng fund value
ang insurance mo.

Doon nagiging malinaw
kung gumagana ba ang plano
o kailangan ng adjustments.

As the year begins, set your New Year’s resolutions. Create a meaningful resolution and make a plan to handle unexpected emergencies in life.

SUN Fit and Well is a New Generation Wellness plan that comes with critical illness and life insurance benefits up to age 100. And, disease prevention programs as a bonus.

Get insured online. No meetups needed. 😊

Wag mong hintayin na mangalay pa si Kween Yasmin bago ka magpa-insure.

Tara, let's meet, bago matapos ang taon. 😊

13th month is here, don’t let it disappear! 💸

Send me a message. 😊

May health issues? Walang problema! 😉

With Sun Life Easy Link Protect, pwede ka pa rin magka-life insurance — no medical requirements needed!

💰 Starts at just ₱2,500/month
👍 Guaranteed Approval
🔆 Life Insurance Coverage up to age 100
💛 With investment growth potential!

Secure your future the easy way!

📩 Message me today to learn more or start your application! 🌞

Minsan, nare-realize natin yung importance ng insurance kapag nagkakaedad na or may medical condition na. 😪

Back then, hindi na pede makakuha ng insurance nun or sobrang mahal na.💔

Pero ngayon, Sun Life brought hope!✨️✨️✨️

🌞 𝗦𝗨𝗡 𝗘𝗔𝗦𝗬𝗟𝗜𝗡𝗞 𝗣𝗥𝗢𝗧𝗘𝗖𝗧 🌞

✅️ Insurance coverage up to 100 y/o

✅️ Guaranteed acceptance, no medical exam

✅️ Special bonuses to help grow your fund

✅️ Flexible payment options - at least 5 & 10 years to pay

💛 P2,500 per month -> P375,000 coverage
💛 P5,000 per month -> P750,000 coverage
💛 P10,000 per month -> P1,500,000 coverage

🎯 0 to 70 y/o, regardless of the health condition, pede na ring magkaro'n ng insurance coverage.🎯

GUARANTEED APPROVAL! ✅✅✅

𝐆𝐮𝐬𝐭𝐨 𝐦𝐨 𝐛𝐚𝐧𝐠 𝐦𝐚-𝐢𝐧𝐬𝐮𝐫𝐞 𝐚𝐧𝐠 𝐩𝐚𝐫𝐞𝐧𝐭𝐬 𝐨 𝐠𝐫𝐚𝐧𝐝𝐩𝐚𝐫𝐞𝐧𝐭𝐬 (𝐚𝐠𝐞𝐬 𝟓𝟎–𝟕𝟎) 𝐤𝐚𝐡𝐢𝐭 𝐦𝐚𝐲 𝐡𝐞𝐚𝐥𝐭𝐡 𝐡𝐢𝐬𝐭𝐨𝐫𝐲 𝐨 𝐦𝐚𝐢𝐧𝐭𝐞𝐧𝐚𝐧𝐜𝐞?

No medical exam needed, kahit may maintenance, medications or existing conditions. ✨

𝐇𝐢𝐠𝐡𝐥𝐢𝐠𝐡𝐭𝐬:
☀️𝐋𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐜𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐮𝐩 𝐭𝐨 𝐚𝐠𝐞 𝟏𝟎𝟎
☀️𝐈𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭-𝐥𝐢𝐧𝐤𝐞𝐝 𝐰𝐢𝐭𝐡 𝐬𝐩𝐞𝐜𝐢𝐚𝐥 𝐛𝐨𝐧𝐮𝐬𝐞𝐬
☀️𝐅𝐥𝐞𝐱𝐢𝐛𝐥𝐞 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐨𝐩𝐭𝐢𝐨𝐧𝐬

💡𝐒𝐚𝐦𝐩𝐥𝐞 𝐏𝐥𝐚𝐧𝐬:
₱2,500/month ➡️ ₱375K coverage
₱3,333/month ➡️ ₱500k coverage
₱5,000/month ➡️ ₱750K coverage
₱10,000/month ➡️ ₱1.5M coverage

𝙎𝙚𝙘𝙪𝙧𝙚 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮’𝙨 𝙛𝙪𝙩𝙪𝙧𝙚 𝙬𝙝𝙞𝙡𝙚 𝙜𝙧𝙤𝙬𝙞𝙣𝙜 𝙮𝙤𝙪𝙧 𝙛𝙪𝙣𝙙. 𝙎𝙢𝙖𝙧𝙩 𝙥𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙩𝙤𝙙𝙖𝙮 𝙢𝙚𝙖𝙣𝙨 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙛𝙧𝙚𝙚𝙙𝙤𝙢 𝙩𝙤𝙢𝙤𝙧𝙧𝙤𝙬. ✨

📩 SEND ME A MESSAGE NOW!

Nothing feels better than seeing a plan work when it’s needed most. 🌞

Congratulations to my client for an approved Living Benefit claim — proof that preparation truly pays off. 💛

Puro drawing na naman ba? 🖊️ Hanggang plano na lang ulit?

Tama na ang pag-delay!

Kung ready ka na, andito ako to guide you every step of the way.🌞

May mga planong abot-kaya at swak sa needs mo, para unti-unti, matupad ang mga goals mo. 💼✨

Message me anytime, and let’s talk about how we can start small but dream big. 💛

💛 We work hard not just for ourselves, but for the people we love. That’s why relying on HMO alone may not be enough.

✔️ HMO helps with check-ups and minor hospitalization.
✔️ But Health Insurance gives protection when it matters most — covering critical illnesses and providing lifetime & cash benefits.

👉 Because your family deserves more than “just enough.” Secure their future today.