Hanna Nicole Omoy, Financial Advisor, Sun Life Philippines

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 𝘴𝘢 𝘬𝘰𝘵𝘴𝘦 𝘭𝘢𝘯𝘨 𝘥𝘪𝘯, 𝘬𝘢𝘱𝘢𝘨 𝘮𝘢𝘴 𝘭𝘶𝘮𝘢 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘤𝘢𝘳, 𝘮𝘢𝘴 𝘮𝘢𝘭𝘪𝘪𝘵 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘣𝘦𝘯𝘦𝘧𝘪𝘵𝘴 𝘯𝘢 𝘱𝘦𝘥𝘦 𝘮𝘰 𝘮𝘢𝘬𝘶𝘩𝘢 𝘴𝘢 𝘤𝘢𝘳 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘮𝘰. 𝘚𝘰 𝘬𝘶𝘯𝘨 𝘨𝘶𝘴𝘵𝘰 𝘮𝘰 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 𝘺𝘶𝘯𝘨 𝘬𝘢𝘺𝘢 𝘮𝘰 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 pede 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 𝘯𝘦𝘵𝘰 𝘴𝘢 𝘩𝘰𝘶𝘴𝘦 𝘱𝘢𝘳𝘢 𝘪𝘧 𝘦𝘷𝘦𝘳 𝘮𝘢𝘨𝘬𝘢𝘴𝘶𝘯𝘰𝘨, 𝘮𝘦𝘳𝘰𝘯 𝘵𝘢𝘺𝘰 𝘮𝘢𝘨𝘢𝘨𝘢𝘮𝘪𝘵. 𝘏𝘪𝘯𝘥𝘪 𝘯𝘢𝘮𝘢𝘯 𝘵𝘢𝘺𝘰 𝘣𝘪𝘣𝘪𝘭𝘪 𝘯𝘨 𝘧𝘪𝘳𝘦 𝘦𝘹𝘵𝘪𝘯𝘨𝘶𝘪𝘴𝘩𝘦𝘳 𝘩𝘢𝘣𝘢𝘯𝘨 𝘯𝘢𝘴𝘶𝘴𝘶𝘯𝘰𝘨 𝘯𝘢 𝘺𝘶𝘯𝘨 𝘣𝘢𝘩𝘢𝘺 𝘥𝘪𝘣𝘢?

I hope this 2023 makapagstart at mainsure na kita! 🤗

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30mins lang sana naging 2hrs na dahil sa tsismis HAHAHAHA

Saglit lang ang financial planning. Pramis.

"Ui mare kumuha rin pala si anes sa 'yo?"
"Oo mare bago siya umalis pa Japan."
"Nasa Japan na siya mare?"
"Oo mare, bale sinama na niya si pare."
"Pati si pare, mare?"
"Oo mare tapos alam mo ba..."
"Grabe mare. So kumusta na lovelife mo?"
"Tapos alam mo ba? Bumili ako ng bagong panty. Super tibay."
"Ayos mare. Deserve mo 'yan mare."
"I like your kilay mare. Konti na lang pa-bangs na."
"Like ko rin ang face mo mare. Tatlo lang ang pores."
"Si Jun yung inaanak mo? Grade 3 na siya mare. And guess what? Grade 4 na siya next school year. Shocking no?"
"Husay naman mare. Nagmana kay kumpare."
"Mare bago tayo magkasakitan at mauwi pa sa permanent disablement mo, pirmahan mo na ito."
"Sure, so kumusta na nga lovelife mo?"

"..... at usapang hindi natapos ng magkumare."

90% tsismisan. 10% financial planning.

6 Bright Tips 💛

GOODMORNING 💛

Hehehehehehe 😅😅😅

Don't lapse your insurance policy. There are a lot of people who wish they also have the same plan as yours but they are no longer insurable.

Kabaro, para ma-achieve ang asenso, dapat doon tayo sa planado at sigurado!

Tunghayan at matuto mula sa kwento nila Toto at Dawn, kasama ang kanilang Sun Life advisor, Rosemarie Guasin 👉 sunlife.co/ShinePinoyKapitan

Kasama niyo ang Sun Life bilang inyong sa inyong Home for Good journey. Para sa buong detalye, pumunta lamang sa link na ito: sunlife.co/HomeForGoodGoals☀️

‼️Friend, baka makatulong din sayo‼️
One of my prospects say this to me “Nicole, may insurance naman ako sa current company ko eh.”

This is one of the reasons bakit hindi PRIORITY ng ibang employed ang kumuha ng personal protection plan.

But:
❌What if, si employee becomes critically ill and exceeded his HMO limit? Will the company cover their entire hospital bills?

❌What if, an illness or an accident prevents the employee from fulfilling his work? Will they still be able to keep his job?

❌What if, an employee resigns or got laid off? Are they still qualified for the company benefits?

❌What if, the company provided benefit is minimal coverage only? Will it be enough to cover the needs and secure their family’s future?

So paano na friend? 🤔

✅This is why we NEED to get our PERSONAL protection plan.

✅Because we will not be an employee forever. 💯

Want to know how much protection you need? Send me a message and I will help you compute the right coverage for you ☺️. 📩



Choose to be Protected and Financially Prepared 💛

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🤞✨

Want to know what makes Sarah's life brighter? 🤔 Watch this! ☀️ #SarahGNaGSaSunLife #SunLifePartnerForLife

A FAMILY THAT INSURED TOGETHER, LIVING A LIFE BETTER.💛💯

A FAMILY THAT INSURED TOGETHER, LIVING A LIFE BETTER.💛💯

Context: We are not financial advisors, we are policy holder 🤗

At first we don’t have any idea about what life insurance is, akala namin dagdag gastos, hindi priority or wala muna sa plano pero mas mapapagastos pala pag wala ka nito. Ang daming bagay din pala yung pwedeng mawala no? ipon, investments, business, worst is our loved ones if hindi sapat yung meron tayo para isupport yung needs nila, alam nyo naman super mahal mag kasakit dito satin. Before kami kumuha ng insurance policy naririnig na namin to sa kaibigan, kamag anak and kakilala.🤝

Peace of mind? Oo totoo sya, yung wala kaming iisipin na pano sila pag may nangyare samin, pero syempre hindi lang naman dun naka focus yun nakakatuwa din na malaman na sa dilaw na folder na to ang daming magagawa. As of now prepared kaming mag asawa para sa future namin, pakonti konti nakakaipon para sa retirement namin. okay pag planuhan yun kasi dadating yung panahon na mag kakaroon ng kanya kanyang pamilya yung mga anak namin at tatanda kaming mag asawa at ang gusto namin pamilya nila ang pinaka prioridad nila. ☺️

Para naman sa dalawang cute na tsikiting namin heheheh mga anak wala man ginto o milyong piso ipapamana si daddy and mommy sa Inyo, pero sinisuguro namin na handa kami para sa magandang kinabukasan nyo. Mahal na mahal namin kayong dalawa dahil higit pa man sa lahat kayo ang pinaka kayamanan namin na walang kahit anong katumbas 🥹

Kaya kung pag uusapan ang insurance? Napaka ganda! Depende nalang sa taong tutulungan kayo para mas maintindihan nyo pa. Life long partnership to kaya choose your financial advisor wisely. 💛