Neri Fontamillas Navarro - Financial Advisor

Sun Life Philippines ranked no. 1 in 4 out of 6 categories! 💛✨Proud Sun Lifer here!
Congratulations to other top insurance companies! Let’s secure more lives! 🥰

💛💛💛

Nakakatakot naman ma-ghost... buti na lang as your Partner for Life, we are here to guide you! 💛

In reaching your life goals, we are here every step of the way towards your financial independence journey. ✨

Ask a Sun Life Advisor today to know more about our plans and get a FREE quote of a plan that is fit for you: sunlife.co/talktoadvisor.

𝘿𝙞𝙙 𝙮𝙤𝙪 𝙠𝙣𝙤𝙬. . .😲

The creator/inventor of 𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 was a South African Surgeon,
Dr. Marius Stephanus Barnard. On 6 August 1983 the first critical illness insurance policy was launched.❤

Barnard was motivated by the financial hardship he saw his patients suffer after he had treated their critical illnesses to convince the South African insurance companies to introduce a new type of insurance to cover critical illnesses.

Barnard argued that, as a medical doctor, he can repair a man physically, 𝗯𝘂𝘁 𝗼𝗻𝗹𝘆 𝗶𝗻𝘀𝘂𝗿𝗲𝗿𝘀 𝗰𝗮𝗻 𝗿𝗲𝗽𝗮𝗶𝗿 𝗮 𝗽𝗮𝘁𝗶𝗲𝗻𝘁'𝘀 𝗳𝗶𝗻𝗮𝗻𝗰𝗲𝘀.📌

✅✅✅Health mo ang puhunan mo sa pagkuha ng Insurance. Huwag mo nang hintayin pang dumating ang panahon na hindi ka na healthy bago ka mag desisyon na kumuha ng Insurance. Pwedeng hindi ka na makakuha pag hindi ka na healthy. 🎯





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💯

𝗚𝗼𝗼𝗱 𝗡𝗲𝘄𝘀‼️📣

To all 𝗚𝗼𝘃𝗲𝗿𝗻𝗺𝗲𝗻𝘁 𝗘𝗺𝗽𝗹𝗼𝘆𝗲𝗲𝘀: You can now conveniently pay your insurance premium via 𝗟𝗮𝗻𝗱𝗯𝗮𝗻𝗸 𝗶𝗔𝗰𝗰𝗲𝘀𝘀. ✨

Just select 𝗦𝘂𝗻 𝗟𝗶𝗳𝗲 𝗼𝗳 𝗖𝗮𝗻𝗮𝗱𝗮 𝗣𝗵𝗶𝗹𝘀 as the biller! 💛

BAKIT HINDI MO AKO PINILIT KUMUHA NG INSURANCE? 🤔

I heard this story from one of our Speakers. His friend got sick and this friend of his was not a believer of Insurance. More than half a million ang Hospital bill. 😱 Then one day he texted, “bakit hindi mo ako pinilit kumuha ng insurance?”

Simple lang naman ang sagot dyan.
"𝙆𝙖𝙨𝙞 𝙣𝙜𝙖 𝙙𝙞 𝙢𝙤 𝙥𝙖 𝙋𝙧𝙞𝙤𝙧𝙞𝙩𝙮!"

Kidding aside,
𝗔𝗻𝗴 𝗽𝗮𝗴𝗸𝘂𝗵𝗮 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗵𝗼𝗶𝗰𝗲!

Kahit gaano kaganda ang insurance plan na ipakita ko sayo, kung hindi ka interesado… Lalabas lang sa kabilang tenga ang pinaliwanag ko. Kung hindi kasama sa priority mo ang pagkuha ng insurance, kahit mura lang ang premium payment parang ang expensive nun para sa'yo. Kung hindi ka pa ready pag handaan ang future mo, hindi ka rin magkakaron ng time para makinig sa FREE financial planning na offer ko.

Sa totoo lang, gusto ko lahat ng friends ko ay kumuha rin ng insurance. Pero hindi kita pwedeng pilitin.

Hindi kita pwedeng takutin sa negative effects ng SADD (sickness, accident, disability, and death) events sa buhay.

At the end of the day, 𝗜𝗞𝗔𝗪 𝗔𝗡𝗚 𝗠𝗔𝗚𝗗𝗘𝗗𝗘𝗖𝗜𝗗𝗘 𝗞𝗨𝗠𝗨𝗛𝗔 𝗡𝗚 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗔𝗥𝗔 𝗦𝗔'𝗬𝗢 𝗔𝗧 𝗦𝗔 𝗟𝗢𝗩𝗘𝗗 𝗢𝗡𝗘𝗦 𝗠𝗢. ☺️

Pag handa ka na at pwede pa, nandito lang naman ako para tulungan ka.

Pero sana sa panahong hindi pa huli ang lahat..

Pm me i will make you a sample proposal💛

May side hustle ka na ba? 😊

Don't be shy about having side hustles. Piso is piso. Bayaan mo sila, di natin sila bati!!!

"𝗞𝘂𝗻𝗴 𝗴𝗮𝗻𝘂𝗻 𝗱𝗶𝗻 𝗹𝗮𝗻𝗴, 𝗿𝗲𝗳𝘂𝗻𝗱 𝗻𝗶𝘆𝗼 𝗻𝗮 𝗹𝗮𝗻𝗴 𝗹𝗮𝗵𝗮𝘁 𝗻𝗴 𝗽𝗿𝗲𝗺𝗶𝘂𝗺𝘀 𝗸𝗼, 𝗱𝗶 𝗿𝗶𝗻 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗻𝗮𝗴𝗸𝗮𝘀𝗮𝗸𝗶𝘁."

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo. (Fund value)

⭕ Bakit ganun?
Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

⭕ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo.

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT.

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.

Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

So ang Insurance charges na nababayad mo out of your premium, doon yun napupunta.

Hindi sya nasayang.

I hope you get my point. Alamin sa mga agents ninyo ang full details.

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Ang tagal ng January noh? Parang hinihintay kang magpa-insure. ☺️