The Life Crest

This water bottle at the supermarket is worth 10php.

The same bottle at a hotel is 150php, and at an airport, 200php.

Same bottle, same brand. The only thing that changes is the place. Each place gives a different value to the same item.

When you feel worthless, change places, don't stay there.

Have the courage to change your circle of influence and go to a place that sees your value.

Surround yourself with people who appreciate your worth. Don't settle for less. ❤️

ctto

Be around positive people and your life will be more positive too. 💕
ctto

Let go of the doubts and focus on the brighter future that awaits you. We believe in you. Believe in you. 💛

Just so you know 💛

Motivation 💛

💯

Worth to read 📖
Thanks Joe Speiser💛

Seeing your parents healthy and secured is all worth it. ASK ME HOW!

👩🏻‍💼 Regina Enraca Patawaran
📧 [email protected]
☀️ Sun Life of Canada
📖 The Life Crest (FB Page)

𝐃𝐨 𝐲𝐨𝐮 𝐫𝐞𝐚𝐥𝐥𝐲 𝐧𝐞𝐞𝐝 𝐭𝐡𝐚𝐭 𝐕𝐔𝐋 𝐩𝐨𝐥𝐢𝐜𝐲?

VUL (Variable unit-linked) policy is a combination of INSURANCE and INVESTMENT. You get to enjoy both. Kailangan mo ba ang VUL policy?

Yes, if you’re a breadwinner.
Yes, if you have dependents.
Yes, if you’re a parent.
Yes, if you want to grow your money.
Yes, if you want to enjoy your retirement years.

Whether may mga taong nakasalalay sa’yo or wala, as long as you want to grow your money, you have dreams and goals for the future, perfect ang VUL policy for you.

It could help secure your future through its life insurance feature and help you prepare for the future as well through its investment component.

📌BUDGET? 🤑

All VUL policies can be customized. Iba-iba tayo ng financial needs, capacities, at goals. At dapat yung VUL policy mo ay naka-design according sa kung ano ang pangangailangan mo.

VUL policies can be as cheap as P1500.

“Wala na natitira sa sahod ko.”

Sadly, may mga tao talagang maraming responsibilities and I have met clients na ganito. Kahit gusto nila talaga mag-start, when we do budgeting, wala talaga natitira na.

What I tell these clients is need talaga increase ang income or bawasan ang responsibilities. Not until they are capable to do this, I never force them to start one.

Meron din naman keri naman pala, ang kulang lang ay financial awareness. They just need to properly allocate funds for expenses, savings, and VUL (investments).

📌How to do this?

Kurot lang ng 20% for insurance and investment. Within this budget, pwede na for your VUL policy.

Marami pa akong gustong i-share pero long post na ito masyado. Hahaha! If you’re curious how to start your VUL policy or want mo check your options, we can schedule a financial consultation for you.

Regina Enraca Patawaran
09202914565
[email protected]
Licensed Financial Advisor
Sun Life of Canada

Having children who gives voluntarily is a blessing, do not make it a burden for them.

As Elon Musk once said, "My children didn't choose to be born. I choose to have children. They owe me nothing. I owe them everything."

No one is responsible for your own life except you. Let us break the cycle of dependency.

To every breadwinner in the family, as much as we want to help our family with the blessings that we have, sometimes what was supposed to be a blessing to them became a curse or a burden.

May you help your family willingly, without robbing yourself of your own future and your children's future.

And... May you find a partner that your future children can be proud of. They can't choose their parents, do it as a favor for them. Until then, always choose to become a better version of yourself. 🤍

Saving money is not an option or suggestion; it is your Christian duty (Proverbs 6:6-8; 30:25).

WATCH THE FULL VIDEO HERE:
https://youtu.be/cE-AGTnB8v0

Ctto

"MAKE A DECISION RIGHT HERE, RIGHT NOW, THAT IN YOUR FAMILY LINE IT STARTS WITH YOU.
YOUR FAMILY WILL BE RICH BECAUSE OF YOU, YOUR CHILDREN, YOUR CHILDREN'S CHILDREN WILL LIVE A BETTER LIFE BECAUSE OF YOU AS WELL. IT'S TIME THAT WE STOP THE CYCLE OF POVERTY"
- COACH Marvin Germo

Read each caption ✨
Full Vid on YT : https://www.youtube.com/watch?v=F1Np-56o46M&t=862s

The Life Crest updated their address.

“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!

ctto Dr. Sanjay Tolani

‘Buy only what you need’ is a piece of advice that has been there for so long, but it is apparently hard to balance with the thought of “rewarding” oneself especially after working hard and getting additional pay for it. | via ONE News

Don’t forget to set a certain portion of your bonus for your Insurance protection, emergency fund, savings and Investment. Nobody would have regret doing it. Ctto

4 steps to achieve financial goals

4 steps to achieve your financial goals Question: I already have my financial goals but I am having a hard time achieving them, or even starting on them. What should I do?—name withheld upon request Answer: There are many reasons why

𝟑 𝐑𝐄𝐀𝐒𝐎𝐍𝐒 𝐰𝐡𝐲 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐠𝐞𝐭 𝐋𝐈𝐅𝐄 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐛𝐞𝐟𝐨𝐫𝐞 𝟐𝟎𝟐𝟐

✅ Safeguard your family and their financial needs
✅ The rising cost of premiums
✅ Manage uncertainties and risks

Regardless of which policy you choose for life insurance, in the end, the goal is to get yourself covered as soon as possible because you never know what will happen tomorrow and life insurance will only get more expensive the longer you wait.

If you are a client reading this, speak to a financial advisor to understand how you can get sufficient life insurance for yourself and your family today! It is always better to start early.

If you are a financial advisor reading this: Please share this with your clients and friends who you think should be aware of this.

If you're a financial advisor looking to add more value to your clients in 2022, check out this upcoming free live session here: https://bit.ly/3IuDBoQ

There have been multiple research data that has shown that the average retirement age around the world is 64 years old. That means in general, people study and work for more than half of their lives for money.

What if there is a way to stop working for money and enjoy what life has to offer?

Financial planning is an art. A well designed plan will allow one to retire early. The earlier financial planning is carried out, the easier it is to get there.

With the power of compounding interest, early commitment to a financial plan allows you to retire early very easily.

The financial goal of retirement is to ensure that you receive a consistent flow of income when you retire. This can be achieved via 3 types of financial products: Investment-linked insurance policies (ILPs), endowment plans and annuity plans.

Speak to an advisor around you to find out more because early retirement can be possible if you plan right and early.

If you're a financial advisor who wants to learn how to plan for 2022 so that you provide the best value to your clients, don't forget to sign up for this upcoming sharing here: https://bit.ly/3pqRUlK

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured.

To put it simply, you pay a sum of money known as the premium to the insurer and when you pass away, your beneficiaries (usually your family members), get a lump sum of money known as the death benefit.

Now the next question is should you buy life insurance?

You should buy life insurance, if you have anyone who may depend on you for financial support. For example: your kids/spouse or elderly parents.

However, if there is no one that requires you to support financially, then life insurance is optional.

Every responsible advisor will spend time talking about life insurance with their clients because they understand how important Life Insurance is in providing support for your dependents.

Life insurance proceeds can serve as a source of support, pay debts, or provide for the education and daily living expenses of your family and dependents.

So the next time when you hear an advisor asking “Do you have life insurance?”, do spend a few minutes sitting down and ask them more about it because it might just be the most important investment you make on yourself.

Be ready and secured during life’s critical moments with Sun ICU Protect! Apart from ICU benefits, it comes with preventive health care, major critical illness and life insurance protection for the added care you need throughout your lifetime.🧡

Step up your investing game! Open an account online at sunlifefunds.com and you can win an e-GC! Know more at bit.ly/fbslamci-investonline

BTS: A Sun Life Client since 2009, Piolo Jose Nonato Pascual shares about his latest policy.

“I’ve always been a believer of insurance. When I started in show business, it’s one of the first things I secured. Every year, my sister and advisor Ate Chiqui sits me down for a financial review. And if we see gaps, we look for the appropriate products to address these needs. Since I’m expanding my ventures, I took my Ate’s advice to get a Sun MaxiLink. As always, I now feel more secure and looking forward to an even brighter future.”

Want to be like Piolo? Check out www.sunlife.com.ph to know more about how we can be a to your dreams. We also have a FREE life insurance calculator - https://bit.ly/preplikepiolo - for a quick look at how much coverage you need.

⚠️ Bakit sobrang eager naming Financial Advisors makipag meet and set ng appointments sa clients?

Because Life Insurance is only for HEALTHY people who will be needing it when they are no longer healthy.

⚠️Critically ill people can’t have Life Insurance 😭
⚠️ Disabled people can’t have Life Insurance 😭
⚠️ A Very Old person can’t apply for a Life Insurance
⚠️ A Dying person can’t be Insured Anymore 😭

So when a Life Insurance Advisor is approaching you when you are healthy, it means he/she is racing against these Life Uncertainties.

He/She is representing you to a Life Insurance Company. Taking the risk of providing income/money when you & your family need it most.💛

If you are HEALTHY, INVEST in it and INSURE yourself.

These are the 🔑 to reaching your goals! Let us know what you're already doing from these . Claiming that our goals will be ours! ✨ Happy Friday!

Pay your insurance policy from the comfort and safety of your home! Check out the links below to discover how you can make online payments via your preferred bank.

BDO - bit.ly/paysunlifeviabdo
BPI - bit.ly/paysunlifeviabpi
Metrobank - bit.ly/paysunlifeviametrobank

For more online payment options, simply visit https://bit.ly/insurancepayments.

Most pinoy’s roadmap. This doesn’t have to be yours too. End poverty with you by securing the future of your lovedones and by preparing for your retirement.

Be prepared. Be insured

Want to learn how? Message us.

Common Filipino mistake!

Saka na lang ako kukuha ng Long term healthcare, uunahin ko muna mag pundar ng lupa, bahay at sasakyan...

Nong nagkasakit ng malala:

"Saan natin ibebenta ang lupa, bahay o sasakyan???"

"Bahala na, kahit saan, kahit kanino, kahit mura, basta may maipambayad tayo sa hospital....." 😞

Question is, nakapundar ka nga ba?? 🤔🤔

Financial literacy is the key!
Build strong, Build it right!!!

If you wanna know how to start building a solid financial foundation, message me to learn more. https://m.me/regina.e.patawaran

I understand insurance is not a common topic among millennials because most of you guys have a feeling of INVINCIBILITY in you. You are generally healthy and likely not concerned about the RISK of an untimely death.

I can absolutely relate to it because I have been in that stage of invincibility and my advice is NOT TO neglect it while you are YOUNG.

Some of you guys do not consider that there is a need, and in fact, a long-term benefit and how life insurance can fit into your financial security plan.

Here are SIX REASONS to consider purchasing a policy, even if you’re not married:

✅You're not likely to be single forever: Buy a policy now, and you can just build on your existing coverage once you're married, instead of starting from scratch when you're older.
✅It’s CHEAPER to buy a policy when you’re young and healthy. Depending on the type of life insurance you buy, a policy can also be a forced savings vehicle.
✅If your parents (or other family member or friend) co-signed a student loan or a mortgage with you, they’ll be fully on the hook for the amount owed in the event of your passing. The last burden a grieving family member needs is a loan company hounding him or her for payments.
✅Life insurance can be a great way to leave a LEGACY to nieces, nephews or anyone else. That list also includes your favorite charity.
✅You could buy a single policy that would pay a lump sum to the organization or have the policy paid to a trust and CREATE an INCOME STREAM for as long as you desired.
✅Life insurance is at the foundation of the financial planning pyramid. Bad things happen. And when they do, life insurance is the ONLY product that provides the right solution for that moment in time. Your chances of dying are one out of one. It's just a matter of WHEN.

- Dr. Sanjay Tolani