Reynold Binongcal - Sunlife Financial Advisor

This 125th Independence Day, we celebrate the pride of being a Filipino.🇵🇭

As we continue to live freely, let's aim to be free from financial debts and have a brighter life by achieving financial freedom!💛

Mabuhay sa'yong OFW client ngayong National Migrant Workers' Day!

Wala naman problema sa pagbili ng mga kotse, bahay at kahit anu pang gusto naten bilhin .

Dahil deserve naten yan sa kakatrabaho para maibigay lang sa pamilya naten ang sinasabing MAGANDANG BUHAY.

Pero wag naten kalimutan kumuha Ng LIFE/HEALTH INSURANCE dahil kapag Wala ka nito lahat ng naipundar mo pwede din mawala sayo agad .

Ang LIFE /HEALTH INSURANCE ang unang tutulong sainyu para ma protect ang family nyu sa SAD EVENTS ( SICKNESS,ACCIDENT,DEATH) /EMERGENCY na hindi kailangan magbenta ng kahit anung property's na naipundar mo .

Ang Life Insurance ang magtutuloy sa BUHAY NA GUSTO MO PARA SA PAMILYA MO eto ay ang "PAMANA".

Ang Life Insurance lang ang magbibigay ng "PEACE OF MIND".

PROTECT YOURSELF,PROTECT YOUR FAMILY, PROTECT YOUR ASSETS/ PROPERTY'S 💛💛

Ohh galing na sa dalawang Papa P.

"Di sapat na gwapo lang tayo mga tol, dapat insured din tayo" 💛 Para sa pamilya. ☺💛

Why CHOOSE Sun Fit and Well Advantage ??

SUN FIT AND WELL ADVANTAGE
COMPREHENSIVE HEALTH INSURANCE PLAN

7 reasons WHY YOU SHOULD INCLUDE getting SUN Fit and Well health insurance:

✅ 1. SPECIAL ACCESS TO WELLNESS 🧘‍♂️⛹️‍♂️🚴‍♀️🏊‍♂️💆‍♀️
Once you avail SUN Fit and Well life insurance, you are automatically a GoWell GOLD member. GoWell is a wellness advocacy program of Sun Life where you can receive health and wellness contents, invites to community workouts, receive perks and privileges, and have the opportunity to meet like-minded individuals who also promote healthy living.

✅2. COMPREHENSIVE CRITICAL ILLNESS BENEFIT🚑🏨💊🏩🌡
SUN Fit and Well health insurance provide coverage from 64 Major Critical Illnesses, 34 Minor Critical Illnesses and 16 Specific Cancer for a total of 114 critical illnesses. Specific Cancer Booster benefit gives an additional 50% of the Face Amount to the insured in the case of diagnosis of cancer-related illness.

✅3. HOSPITALIZATION BENEFIT🏨🛏🛌🏩
In case of diagnosis from the critical illnesses, you can claim 0.125% of the Face Amount for Hospital Income Benefit (HIB) which will be multiplied by the number of days you’ve been confined. You also get a fixed amount of Post Hospitalization Benefit to be used for follow up check-ups.

✅ 4. HOME RECOVERY BENEFIT 👨‍⚕️🏠🏡🙏♿️
This is an additional fund that you can claim upon discharge which is equivalent to 50% of HIB multiplied also by the number of days you’ve been confined.
In the case of worst scenario where insured became terminally ill having a life expectancy of 6 months or less, a Palliative Care Benefit of 10% of the Face Amount will be given additionally to the insured. It is somehow a way of relieving the pain and stress caused by the illness.

✅ 5. LIFE INSURANCE COVERAGE 🤝👨‍👩‍👧‍👦💰🗂💵
SUN Fit and Well insurance also provide a guaranteed life insurance coverage until age 100 in case no major critical illness claim has been made from the plan. It will be equivalent to the original face amount plus cash benefits, less minor critical illness claims if there’s any.

✅ 6. GUARANTEED CASH BENEFIT📊📈💸💵🎯
For eight consecutive years starting at age 65, you have the option to get 5% of the original Face Amount in advance which serves as your guaranteed steady income during retirement.
Aside from that, Special Paid Up Bonuses* at the end of premium paying period and Annual Dividend earnings* are available for withdrawal anytime. You also have the option to just leave it with Sun Life to accumulate.

✅ 7. LIMITED PAYING PERIOD ⏱⏳🕰⏰⏳
Unlike any other plans that you need to pay for the plan forever, with SUN Fit and Well insurance, you only have to pay it for a limited period of time. You have the option to pay for it in:
* 10 years
* 15 years
* 20 years

Take note, these are guaranteed paying periods. Sun life will never require you to pay beyond those years.
So there you have it! The 7 Major Reasons Why You Should Get SUN Fit and Well Insurance Today! I strongly believe that responsible people like you who want to have financial security against life odds won’t hesitate taking action TODAY.
I’ll look forward to meeting you, my future valued partner. 🙂

Ctto.

Start with Believing

Your life insurance is:

⚫Your love gift to your family Creating wealth at a discount

Buy money that people dont have or cant have

Provides money that you want. but you don't

Buying time that we may not have

⚫As an income replacement-assuming that you dont have tomorrow

Copied from a Sunlife Group

A Sad Insurance Story

So you still get annoyed or probaly consistently avoid that insurance agent who've been wanting to get an appointment with you? This post might change that.
Today June 10, 2020 we delivered a sad news to our client; a former seafarer, a Chief Mate.
It was September 2017 when Mr. Chief bought an insurance policy with Life Coverage and Accident coverage. Originally, our insurance advisor offered him a life insurance with critical Illness, accident and hospital confinement benefit. The result of our financial needs analysis showed that Mr. Chief is financially and physically capable for the earlier mentioned coverage. Mr. Chief declined the offer for he is preparing to buy a new property and a new car. There is nothing wrong with purchasing a new car or another property. It is after all your reward for your hardwork.
October of 2017 Mr. Chief was supposed to return on board but due to some errands he decided to postpone it. Here comes the sad part. January of 2018 he got cerebrovascular accident (stroke). Mr. Chief can no longer go back to work, finances were exhausted and you know what hit me hard?
" Yung mga tinulungan kong maka sampa sa barko dati pati mga kamag anak na tinulungan ko, walang tumulong sakin nung ako na ang nangangailangan." Mr. Chief's tears were flowing down his cheeks as he utter these words.
" Hindi ko naman alam na magkaka stroke ako ng January. Kung nalaman ko lang, edi sana sumampa na ako noong Octobe may 20,000$ pa sana ako kung sa barko yun nangyare."
Mr. Chief's policy is now lapsed. He only paid his policy once (September 2017 only). Due to his financial status, he was not able to pay for his succeeding insurance premiums (5 year pay policy). Real estate properties were sold (lowest price), cars were sold, debts piling up. Even he wife and children now think that he is nothing but a "Pabigat Sa Pamilya".
Now the only thing he has is his insurance policy with us. He visited our branch today to check and withdraw his account value.We delivered the news with a heavy heart to the dejected client.
" Sir, almost 3 years nyo na pong hindi nabayaran ang policy nyo at lapsed na po sya with 0 account value. Wala po kayong makukuha sa account nyo na withdrawable amount."
The client can barely walk and talk straight. He can barely right his name and signature on a peice of paper. He begged to return even just a portion of his premium. So he left the branch with a heavy heart.
To the financial advisors:
Client first. Offer the correct financial solution according their needs.We dont just offer our products. We offer certainty to the uncertainty.
To the clients/prospects:
I hope this post changed your view about insurance and insurance advisors. Usap lang tayo baka pwede kaming maka tulong sayo, sa goals mo at sa future ng family nyo. Insurance advisors are here to help you protect your goals.
To my friends across insurance industry. Be proud of your profession. We all have the power to change and protect lives.
Photo from Google.

“It’s always better to start 5 years early than 1 day too late.”

Many people DON’T realize that insurance only gets MORE EXPENSIVE over time. Not only that but bad things do happen to everyone. Therefore insurance is to help REDUCE the IMPACT of these bad days...

If your family has not been covered, I suggest you spend time talking to your financial advisors to find out more about it!

== To all financial advisors ==
If you are reading this: please share this with clients who you believe need to read this. Please do not hesitate to reach out to clients you care about to get them covered because we all know premiums are just going to keep increasing.

Another Breadwinner and a Rider is in line for Approval of his Life Insurance. Congrats Jushua Rodrigo Polancos next na si wifey mo :)

Welcome to a Brighter Future. ☀️💛