Joann Barrientos - Financial Advisor, Sun Life Philippines

Life insurance is like a basic safety step in your financial plan. It's there to make sure that if something unexpected happens to you, your FAMILY will have the money they need to keep going.

Everyone's story has the same end; we just don't know when. That's why having life insurance is smart. It puts a SAFETY NET under your family's future.

Think of your money plan like building a house. You wouldn't start with the roof, right? You'd start with a SOLID FOUNDATION. Life insurance is that foundation. It protects your family's future, so you can then focus on growing your savings and sharing it out when the time is right.

Make sure your financial house is built on solid ground. Start with life insurance, and then build up from there.

PM me to know more.

Credits: SanjayTolani

Investing in life insurance is a way to ensure that your family can continue to thrive even if you're no longer there to provide for them.

Got questions about life insurance? Need help about your existing life insurance policy? I'm just a PM away. ☺️

Life insurance can help keep those bills from becoming a burden. Make sure your family will be taken care of, no matter what.

PM me now and let me help you protect your family.

Life is brighter when your health and wealth is well taken care of. Sun Life’s health protection plans are here to make this possible by providing you the best care should an illness strike.

Know your health protection options. PM me now to know the product that meets your needs.

Health protection Live life to the fullest with health insurance products from Sun Life Philippines. Our health insurance plans that can provide you with a comprehensive insurance coverage and the best care when an illness strikes. Get your health insurance policy now!

Life Insurance transfers the financial risk of life's unexpected events to an insurance company.

Ang P1,800 monthly premium mo sa life insurance policy ay maaring makapagbigay sa pamilya mo ng milyong piso kung sakaling may mangyari sayo na hindi inaasahan.

“It's better to look ahead and prepare, than to look back and regret."

PM mo lang ako para matulungan kita at masagot ang mga katanungan mo tungkol sa life insurance 😊

Life insurance can be your love language to your loved ones.

Life insurance can be your love language to your loved ones.

2023 August Champions Kick-off & Thanksgiving Celebration with Sun Life's newest Ambassador Sarah G 🫰💛

‘Yun 1k mo per month, pwede na maging safety net sa mga unexpected events ng buhay mo.

Tara usap tayo, send me a PM. Libre nman magtanong ☺️

Mas mabuti nang advanced mag-isip kesa magsisi sa huli 👍🏻

PM me now to know your available options based on your needs & budget ☺️

Availing life insurance too late may look like you have already made your decision to avail life insurance, however, illness comes unexpectedly, leading to a disapproved application.

Don’t wait until it’s too late. Avail of a life insurance policy today.

Are you making sure your loved ones will be OK financially if something happens to you? Getting life insurance is an easy step to do that.

Got questions? PM me now.

Don’t let the what ifs take over your thoughts. Talk to your financial advisor today.

Pay yourself first. Unahin ang savings para masiguro na may naiipon 👌

Income - Savings = Expense

Since budgeting allows you to create a spending plan for your money, it ensures that you will always have enough money for the things you need, for your savings and investments, and the things that are important to you. Sticking to a budget will also keep you out of debt or help you work your way out of debt if you are currently in debt.

No matter the size of your income, you can achieve financial security if you have the discipline many people do not possess.

Take action today. PM me now for your life insurance needs.

Are you a millennial? Millennials are aged 25 to 40 years old today. If you are, do you already have these three must-haves?

If not, better consult your financial advisor today.

Accept your financial mistakes and change your ways for the better.

Ipon o Invest? Alin nga ba ang mas Maganda?

^

Eto ang kadalasang katanungan sakin. Alin nga ba ang mas maganda?

Bigyan mo ako ng pagkakataon ipaliwanag sayo ito gamit ang mga numero. Hindi ko layunin na isulat ito na puno ng mga mabubulaklak na salita para lamang ituro sayo kung alin nga ba ang dapat mong piliin.

Ang totoo ay kailangan mong parehong gawin ito.

Bakit?

Dahil magka-iba sila ng layunin sa iyong buhay pinansyal.

Ang layunin ng "IPON" ay upang makalikom ka ng sapat na halaga para maging capital o magamit mo panggastos sa mga hindi inaasahang "Emergency" sa ating buhay.

Ang layunin naman ng "INVESTMENT" ay palaguin ang iyong "IPON" upang mas mabilis mong mapalago ang iyong puhunan na gagamitin mo upang magbigay sayo ng mga "ASSETS" at "PASSIVE INCOME".

"ASSETS" ay mga bagay na may halaga at lumalago sa loob ng matagal na panahon. Halimbawa: Property and Paper Assets

"PASSIVE INCOME" ito ay kita na ibinibigay sayo ng iyong mga "ASSETS". Halimbawa: Bayad sa upa mula sa Paupahang Apartment. Dividend mula sa kita ng mga kumpanyang bumili ka ng "shares".

IPON: Ang pag-iipon para sakin ay ang pinaka-mahalagang matutunan nating mga Filipino. Ito ang pundasyon sa pagbuo ng yaman at pagtupad ng ating mga pangarap. Subalit, kung ito lamang ang iyong gagawin habang buhay ay hindi lalago ang iyong ipon at sa panahon ngayon, kung saan ang tubo ng ipon (Savings Rate) sa bangko ay mas mababa pa sa nababawas (Inflation) sa tunay na halaga nito.

Halimbawa: Nakaipon ka ng P10,000 ngayon at nagdesisyon kang itabi lamang ito sa bangko sa loob ng 5, 10, 20 o 30 taon. Hindi ito lalago kundi unti-unti itong nababawasan ng halaga habang matagal mo itong ilalagak sa bangko.

Ang P10,000 mo ngayon ay magiging 8,145.06 pagkalipas ng limang taon, 6,302.49 pagkalipas ng sampung taon at 3,773.54 na lamang pagkalipas ng dalawampung taon.

Kung i-invest mo naman ang P10,000 at kikita ito ng 12% per year, ang P10,000 mo ay lalago ng 15,180.70 sa loob ng limang taon, 25,580.37 sa loob ng sampung taon at 72,633.44 pagkalipas ng dalawapung taon.

ote: Computed using 5% Inflation Rate / Investment Growth Rate: 12%

Year Saving Investing
1 10,000.00 10,000.00
2 9,500.00 11,100.00
3 9,025.00 12,321.00
4 8,573.75 13,676.31
5 8,145.06 15,180.70
6 7,737.81 16,850.58
7 7,350.92 18,704.15
8 6,983.37 20,761.60
9 6,634.20 23,045.38
10 6,302.49 25,580.37
11 5,987.37 28,394.21
12 5,688.00 31,517.57
13 5,403.60 34,984.51
14 5,133.42 38,832.80
15 4,876.75 43,104.41
16 4,632.91 47,845.89
17 4,401.27 53,108.94
18 4,181.20 58,950.93
19 3,972.14 65,435.53
20 3,773.54 72,633.44

KAILAN at SAAN ka ba dapat mag "IPON" at mag "INVEST"?

Maganda ang "IPON" kung pang sandaling panahon mo lamang ito ilalagak at sapat na halaga lamang ayon sa layunin mo para dito. Halimbawa: Emergency Fund (3x-6x ng buwanang gastos)

Maganda naman ang mag "INVEST" kung pang matagalan panahon mo ito ilalagak. Maliliit na halaga na unti-unti mong idadagdag sa iyong puhunan.

Panghuling payo ko sayo: Hindi hadlang sa pag-iipon at pag-iinvest ang kaliitan ng kita. Kailangan mo lang iayos at planuhin mabuti ang bawat kitang papasok sayo. Kung sa tingin mo ay sapat at kulang ang iyong kita, maaari kang humanap ng iba pang mapagkakakakitaan o magbawas ng hindi mga kailangan na gastusin.

(source:www.maginvestkapinoy.com)

Oftentimes, we tell ourselves that we will do anything for our children or our family. But have you planned how your family or children will survive in your untimely demise?

Oftentimes, we tell ourselves that we will do anything for our children or our family. But have you planned how your family or children will survive in your untimely demise?

Running a business means that you are also liable for your employees’ welfare. Moreover, it also poses multiple risks especially when multiple loans are involved.

Be able to address these challenges with a life insurance policy.

Kabayan, increase your wealth by taking care of your health. 💛

Learn more in this article https://sunlife.co/HealthIsWealth.

We're only given a limited time in this life and a limited amount of money. Make sure you spend them both wisely.

PM me now for free financial literacy session.

Education is a powerful weapon against financial illiteracy.

Because we love our family 💗

One common motivation behind the purchase of life insurance is love. People want to protect their loved ones, and one of the best ways to do that financially is with life insurance.

"The payout of claims and maturities bring to life our promise to be here for our clients, especially during the most challenging of times." - Benedicto Sison
In 2021, Sun Life paid a total of 6.5 billion in claims and maturities to clients. The products we sell are intangible, and fulfilling our obligations is the ultimate testament to our promise to be here for our clients no matter the challenges we face.
SOURCE: https://mb.com.ph/2022/05/13/sun-life-pays-p6-5-b-death-living-benefits/

Sun Life pays P6.5-B death, living benefits Sun Life Philippines (Sun Life) paid about P6.5 billion in death and living benefits last year amid the prolonged pandemic. In a statement, Benedict Sison, Sun Life Philippines chief executive officer and country head said on Friday, May 13, that the payout of claims and maturities fulfilled the

It's payday! Want to start saving money?

The phrase ‘pay yourself first’ is one of the most helpful personal finance tips ever. Your budget will let you know how much you can set aside on a regular basis and when you know the amount, set it aside regularly.

A 20- to 30-percent savings rate is an ideal target. Yo

Do not give up what you want most for what you want now. Know your priorities.

If you want to attract wealth, you need to develop the right money habits and avoid doing things that will derail your financial goals.

PM me now for more tips.

If you want to attract wealth, you need to develop the right money habits and avoid doing things that will derail your financial goals.

Buying insurance cannot change your life but it “prevents your lifestyle from being changed”. An illness can wipe up an entire family’s savings that they have saved for decades by the medical bills.

Protect your family and your dreams. PM me now for free financial planning.
joannderfulLife

Binabayaran natin ang mga life insurance company na i-insure tayo araw-araw. May mangyari man o wala, tayo ay kargo ng mga insurance company. Mas malaki ang risk ng mga kompanyang ito kumpara sa risk na meron ang mga insured. Isipin mo, yung P1,500 mo papalitan ng milyong piso.

'Yan ang binabayaran natin.

Tulad ng sa sasakyan, hindi natin binabawi ang bayad sa car insurance kapag hindi ito nabangga.

Ang sarap isiping may sasalo sa gastusin kung sakaling may mangyari sa atin. ❤