Renalyn Soterio - Licensed Financial Advisor

"Investing without Insurance" 🤔

No matter how good you are in investing, if you get sick 🤒 You are just investing for your future hospital bills 👨🏼‍⚕️💯

Build your wealth the right way. Let’s plan yours together. Live worry free. Live life.

Message me for a free financial planning📩

𝗢𝗙𝗪 𝗥𝗲𝗮𝗹𝗶𝘁𝘆 𝗖𝗵𝗲𝗰𝗸 🇵🇭

60% of our OFWs remain financially challenged upon returning home, because only 40% of them have savings.

8 out 10 cannot return home because they are not financially ready to support their family.

Sad reality, a lot of them spend their entire life being away from their family and loved ones, only to return without anything for themselves as retirement plan.

If you are an OFW or you have family who is one, please consider starting a disciplined savings plan today.

𝗧𝗼 𝗼𝘂𝗿 𝗡𝗘𝗪 𝗚𝗘𝗡𝗘𝗥𝗔𝗧𝗜𝗢𝗡 𝗛𝗘𝗥𝗢𝗘𝗦, 𝗽𝗮𝘆 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗳𝗶𝗿𝘀𝘁. 𝗦𝗮𝘃𝗲 𝗮 𝗽𝗼𝗿𝘁𝗶𝗼𝗻 𝗼𝗳 𝘆𝗼𝘂𝗿 𝗶𝗻𝗰𝗼𝗺𝗲 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁, 𝗺𝗲𝗱𝗶𝘂𝗺-𝘁𝗼-𝗹𝗼𝗻𝗴 𝘁𝗲𝗿𝗺 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 𝗮𝗻𝗱 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻.

Message me for free financial consultation 📨

Ganto lang yan, meron kang:

✨3Million Life Insurance
✨2Million Critical Illness Insurance
✨1Million Accident and Disability Insurance
✨100K Hospital Insurance

6Million + Insurance may Savings & Investments pa for 3K or 5K monthly?

Sige nga try mo mag ipon 5K per month sa bank para mabuo kahit yung 3Million lang, aabutin ka ng.....

50 YEARS 🤣 wala pang Insurance na kasama!

Kaya it's more on savings, friends. Insurance is not an expense 🤗

Start yous now!
Message me for free financial consultation.



RENALYN SOTERIO
Assistant Unit Manager
Licensed Financial Advisor

Many people are afraid of getting an insurance plan, because they treat it as an expense more than a protection of their savings and investment for the future.

🙅🏻‍♀️"Huwag muna ngayon."
🤷🏻‍♀️”Pag-isipan ko pa muna"
🙇🏻‍♀️"Tanong ko muna asawa/magulang ko."

You see, years will pass and we will get old. 👵🏻 The longer we think about it or decide when to get it, the more it gets expensive.

Also... how can we be so sure that we’ll still be perfectly healthy years from now?

If you're a part of the working class, UNTIL WHEN will your current income or savings secure the future of your family?🤔

Set aside a small portion of your income today in exchange of an ASSURANCE of better tomorrows FOR YOU and YOUR FAMILY, REGARDLESS of what life throws at you. 😁

Talk to a financial advisor today. 🙋🏻‍♀️

Having a life and health insurance is the first step towards achieving financial freedom. You see, it's the foundation when you build your financial building. Its main purpose is to cover the expenses and protect you and your family from debt should something happens to you.

Kaya friends, be a believer of insurance or atleast try to listen to a Financial Advisor. Remember, sa panahon natin ngayon, sobrang magastos ang magkasakit. Mas okay na ready tayo. If naging healthy ka naman, you’ll have your investment. Basically it's a win-win situation. 😉

Kung interesado ka be an insured investor, message me and I'm willing to assist you. 😊

📷 CTTO

Most of us saw posts about V.U.L. o Variable Universal Life from Financial Consultants, so what's the purpose of V.U.L? 🤔

2 things that make you:
1️⃣ Pinapayaman ka by means of Investment sa stock market
2️⃣ Maiiwasan ang paghihirap o gastos because of sickness or accident

Naisip mo naba saan kukuha ng pangastos just incase may mangyaring hindi inaasahan? It's better to be prepared para walang pagsisihan.

Talk to your trusted Financial Consultant. 😉
Di naman required kumuha kagad. ☺

“Sa bank na lang ako, safe pa.”

Hello daw sabi ni INFLATION.

Have you seen the prices of basic goods?

If you save 1000 pesos today, it will still be 1000 pesos in 5 years. Pero ano ano pa kaya ang mabibili mo sa 1000 after 5 years?

Invest and grow your money my dear friends.

Let me share with you our plans - VUL (insurance + investment)

Let's Talk 😊

Real talk: Financial security is happiness.

Iba yung may peace of mind 😊❤️
Nag-iipon ka lang tapos may protection and investment ka pa.

✅You get sick? We pay!
✅You had an accident? We pay!
✅You become disabled? We pay!
✅You retire? We pay!

Let's talk about your needs, dreams, and all the things that matter to you. Do something now that your future self will thank you for.

Hi friends! 🤗

DID YOU KNOW ⁉️ That when someone passes away, the family cannot withdraw the savings💰on his/her bank account 💳, right away?

The bank freezes the account and check the tax obligations of the depositor. Then, his family should pay the ESTATE TAX before the proceeds can be released.

For how long??? Make sure you have extra cash and the patience to withstand the wait...

This is why Prulife UK's VUL Life insurance is better. If the Insured passes away, the beneficiaries will not only receive million(s) of the guaranteed Face value/Sum assured plus the returns of the said Fund value, they don't need to pay extra. It's tax free. Nothing to lose, so much to gain...

Talk to me. I can help you.

Message for details.

RENALYN SOTERIO
+63946 994 1014
Assistant Unit Manager
Your Licensed Financial Advisor
Alexandrite 2 District - PRISLIA Branch

Updating sa interest rate ng Bank Time Deposit:

From 3.5%
Naging 3%
Naging 2.7%
Naging 2.5%
Naging 1.5%
Naging 1%

Now, 0.54%

0.54% less 20% withholding tax⁉️

Inflation 3.50%
Interest 0.54% 😬
.......

Masaya ka pa rin ba sa pera mo sa bank? Kung hindi, you can always message me and let's talk kung pano natin gigisingin yung natutulog niyong pera sa bangko. 🤗

OK lang ba na hindi ako kumuha insurance?

Oo naman. 😉

Di ko naman problema pag nagkasakit ka.
Di ko naman problema pag nawala ka.
Di ko problema pang tuition ng anak mo.
Di ko problema kung 30 years ka ng nagtatrabaho pero wala kapa ding ipon.
Di ko problema na tumanda kang walang pera.

Problema yun ng magulang mo.
Problema yun ng anak mo.
Problema mo yun.

But our job as Financial Advisors is to educate you to be financially free and be protected.❤

Ask me how.

RENALYN SOTERIO
Assistant Unit Manager
Alexandrite 2 District - PRISLIA Branch

Don't just hope for a better life.
Do something to make it happen.

Know the power of saving
through our INSURAVEST
in less than 15 minutes.

Let's talk. Send a message now.

SAVINGS MUST BE YOUR FIRST EXPENSE 💸💰💵

A person who earns 20,000 PHP monthly and saves 5,000php is way better than someone who earns 80,000 PHP monthly and saves only 5,000php.

Why? It is not about the level of your income but it's about the level of discipline you put in your savings that will make all the difference.

At the end of the year, the one who saves more can do more. 💖

Learn to save. Learn to invest.

Happy saving and happy investing! 😊

You can invest anytime. Regardless of health condition.

But always insure early. You may need it but can't get it anymore.

Investment and insurance go hand in hand.

Be protected. Be invested.
Save right. Save better.

Let's talk how, now.

RENALYN SOTERIO
+63946 994 1014
Your Licensed Financial Advisor
Alexandrite 2 District - PRISLIA Branch

5 Financial Goals of OFW

1. Aim for UTANG- free life
2. Act on your future
3. Invest your hard earned money
4. Take advantage of your skills and talent
5. Help your love ones financial independence

We work hard for our family
We leave our homeland to have a better future
We sacrifice a lot to fulfill our dreams

Pero habang buhay ka ba magwork overseas? If not nagiipon ka na ba ngayon para kapag umuwi ka na for good intact finances mo?

If you are in the Philippines right now for a vacation message me to help you plan on your finances and help you save for the better future.

Hello Parents!!! 👋👋👋

What's your dream for your new baby?

Let us help you create a better future for your children.

By setting up a fund for their education.

Because a good education will give them better opportunities in life.

If we fail to provide, it is as if we are limiting their opportunities.

Talk to us! We can help. ❤️

RENALYN SOTERIO
Licensed Financial Advisor
📲+639469941014

𝐍𝐚𝐰𝐚𝐥𝐚𝐧 𝐤𝐚 𝐧𝐚 𝐧𝐠 𝐭𝐫𝐚𝐛𝐚𝐡𝐨 𝐚𝐭 𝐰𝐚𝐥𝐚𝐧𝐠 𝐦𝐚𝐝𝐮𝐤𝐨𝐭 𝐬𝐚 𝐛𝐮𝐥𝐬𝐚? doon mo makikita ang importansya ng pag-iipon.💰

𝐍𝐚𝐠𝐤𝐚𝐬𝐚𝐤𝐢𝐭 𝐤𝐚 𝐧𝐚 𝐧𝐠 𝐦𝐚𝐥𝐮𝐛𝐡𝐚 𝐚𝐭 𝐰𝐚𝐥𝐚𝐧𝐠 𝐩𝐚𝐧𝐠-𝐡𝐨𝐬𝐩𝐢𝐭𝐚𝐥? doon mo makikita ang importansya ng insurance.📋

𝐌𝐚𝐭𝐚𝐧𝐝𝐚 𝐤𝐚 𝐧𝐚 𝐚𝐭 𝐡𝐢𝐧𝐝𝐢 𝐧𝐚 𝐦𝐚𝐤𝐚𝐩𝐚𝐠𝐭𝐫𝐚𝐛𝐚𝐡𝐨? doon mo makikita ng importansya ng pag-iinvest.💵🏧

𝐍𝐚𝐰𝐚𝐥𝐚 𝐧𝐚 𝐚𝐧𝐠 𝐧𝐚𝐠𝐛𝐢𝐛𝐢𝐠𝐚𝐲 𝐩𝐢𝐧𝐚𝐧𝐬𝐲𝐚𝐥 𝐬𝐚 𝐩𝐚𝐦𝐢𝐥𝐲𝐚 𝐧𝐢𝐲𝐨? doon mo makikita ang kahalagahan ng mayroong Life Insurance.📋

Madalas kase nakikita lang natin ang importansya at kahalagahan ng isang bagay kapag wala na at kapag kailangan na natin ito. 🤷 Tulad ng oras, buhay, at kalusugan. Ngayon, meron ka pa niyan. Pero isang araw, unti-unti ng mawawala sa'yo 'yan. Paano ka na? Paano ang mga maiiwan mo? Kaya kailangan ba ang mag-ipon, kumuha ng insurance, at mag-invest?

𝐀𝐧𝐠 𝐒𝐚𝐠𝐨𝐭 𝐚𝐲 𝐎𝐎... 𝐏𝐚𝐫𝐚 𝐬𝐚 𝐭𝐢𝐧𝐚𝐭𝐚𝐰𝐚𝐠 𝐧𝐚 𝐏𝐞𝐚𝐜𝐞 𝐨𝐟 𝐌𝐢𝐧𝐝 👍

Do you have your own life insurance policy?

September is Life Insurance Awareness Month. This industry-wide campaign is aimed at educating Filipinos about the importance of life insurance and helping them get the coverage they need.

Interested? I’ll be glad to assist you in getting your first or additional plan. Make an online appointment today 😊

Renalyn Soterio
Licensed Financial Consultant

Magreregalo ba? Looking for a gift to yourself?

Why not VUL?

No pila sa mall
No waiting for grab
No need labas, iwas covid

Kasi online lang magkaka insurance ka na now. 😊

Let me tell you a secret from our studies. Out of 100% who gets sick, 53% will borrow from relatives.

That's a high percentage. Kada 2- isa don may utang sa relatives.

1. May own savings fund na?
2. May HMO?
3. Insured? May accident, disability, critical illness and hospitalization benefits?

Wala. Pero

1. May kotse na binabayaran
2. May condo na hinuhulugan
3. May bagong cellphone
4. May Netflix, sky cable
5. Every quarter may out of town/country

Hmmm how does this make you feel? 🙂

We are not saying it's bad to enjoy these things. Just know our priorities. All of this mawawala if our health and savings program are not in place.

Live the life you deserve.

Alam mo na ba? 👋🏼👋🏼👋🏼

Hindi lang Lazada at Shopee ang naka-SALE! The Philippine Stock Market fell further into bear market territory since the start of the lockdown. 💸

It means that shares are trading below 20% from their last all-time high. Halos lahat ng shares naka-SALE! 🔥 (As of Sept 8, 2020)

✅Jollibee : ₱138.10/share today vs ₱236.30/share 52-wk high
✅SM Prime: ₱29.15/share today vs ₱43.35/share 52-wk high
✅AyalaLand: ₱39.90/share today vs ₱50/share 52-wk high
✅BDO Unibank: ₱93.50/share today vs ₱161.8 52-week high
✅Meralco: ₱272.40/share today vs ₱374 52-wk high
✅And a lot more! And this is happening around the globe! Check out:

https://www.marketwatch.com/investing/index/psei?countrycode=ph

Stock Market trading requires so much time and effort, so if you want to be a 'company owner' of these companies but got no time to monitor your shares, you need to have an expert fund manager like Eastspring Investments (www.eastspring.com). 🏆

Since wealth accumulation works hand in hand with wealth protection, We can provide comprehensive life and income protection coverage for you to be a protected investor! 💯

✅You get sick? We pay!
✅You had an accident? We pay!
✅You become disabled? We pay!
✅You die? We pay!
✅You retire? We pay!

It's about time to adapt to this 'new normal' shopping habit! Save and invest, we will take care of the rest! So send me a message now. 🥰

RENALYN SOTERIO
Licensed Financial Advisor

Will you have enough money for RETIREMENT?

Ask this to yourself!
Are you living the lifestyle you want as of this moment?
But how about after those enjoyment?
How about the later part of your life?

Do not let your retirement be a journey of financial and emotional crisis!
You can do something today! Save something while enjoying! Invest something while saving! Let this be a reminder for you!
Learn to SAVE and INVEST while getting INSURED.

Message me now!
Let's talk about it!

PAANO KA NGA BA TUTULUNGAN NG INSURANCE POLICY MO KUNG SAKALING NAGPOSITIVE KA SA COVID-19?

1.) Hospitalization benefit which applies when you're confined in the hospital for a minimum of 12hrs. This benefit covers the whole year and is replenishable every year up to age 65. (In short BAYAD ANG MGA ARAW MO habang nasa OSPITAL KA.)

2.) ICU coverage if your case requires an isolation and needs intubation (cannot breath on their own, this stage of covid-19 is life threatening) in the ICU. Covers the whole year and is replenishable. (In short if nasa ICU ka, BABAYADAN DIN ANG ARAW MO.)

3.) Long Term Hospitalization benefit when you needed to stay in the hospital for more than a month. Applies on the 31st day of stay in the hospital until the day that the client discharge from the hospital. This is also replenishable until age 65. (Kung sakaling magtagal sa ospital, our company will pay also for each day you are hospitalized.)

4.) The client can also claim the Critical Illness coverage if complications exists that falls under the critical illness list while the client is treating Covid-19. (Kung may complications and nagresult to Critical Illness, you'll get coverage for that.)

5.) If the client didn't survive, death benefit and investment will be given to the beneficiaries.

Reward yourself with PEACE OF MIND most particularly in this difficult times.

Gusto mo bang magkaroon ng PEACE OF MIND? Feel free to send me a message so I could give and share an idea without commitment after.

RENALYN SOTERIO
Licensed Financial Advisor

Insurance is what they call "discounted peso". You put in 200k for 2years- if something happens- you get millions in return.

5k per month is a small worry.
3M for critical illness is a big worry.

Mr Client, you take care of the small worries.

Let us help you with the big ones.

Me: Sir, ang ganda ng car mo, top of the line ah!
Sir: Salamat. Katas ng hardwork. Hehehe!
Me: I'm sure insured ang new car mo, Sir. :)
Sir: Ay oo naman, required yan pag kumuha ka ng brand new car sa casa.
Me: Ah, ganun po ba? Bakit daw po required?
Sir: Oo, para kung ano man, mangyari, magasgasan o maaksidente eh may sasalo ng gastos. Mahirap na, buti na yung ready tayo.
Me: Maganda nga yan sir. Eh ikaw ba Sir, insured ka din ba? My life insurance po kayo?
Sir: Wala pa. Hindi ko priority 'yan.
Me: Ah ganun po? Paano kung ikaw o ang family mo ang sakay sa maganda mong car sa oras na hindi inaasahan? May sasalo din ba ng gastos para sa iyo?
Sir: (Tahimik, nag-iisip at napangiti na lang)

----- Friends, kung 'yun ngang kotse natin na wala namang financial responsibility para sa atin pag nawala tayo o magkaron ng hindi inaasahang pangyayari sa atin eh insured, baket tayo na breadwinner ay hindi?
Be insured, it doesn't have to be costly. You can be insured and have an investment at the same time.

Let me share with you your options with us. Kung may kotse kang may insurance at ikaw wala pa, usap tayo. Tulungan kita. 😉

Pwede naman kasi BOTH! 😆

That's what we call INSURAVEST! Insured ka na, Investor ka pa. 😊

Imagine if ka age mo si Kathryn (24 years old) and you are saving 3,000 per month now. You can have the ff:

- 3M Death Benefit
- 2M Disability Benefit
- 1M Accident Benefit
- 1M Critical Illness Benefit
- 1K/day Daily Hospital Income
- Waived premiums in case of Disability

PLUS, 7M projected return of investment for your retirement, children's education, business capital...

If si Alden naman ang ka-age mo, you can still have the same benefits but with a higher premium. Kasi naman, age does matter sa insurance. 🤗

Message me for a FREE online Financial Planning session.

RENALYN SOTERIO
Licensed Financial Advisor
📲 +63 946 994 1014
📩 [email protected]

✈✈✈ FAQ: Bakit mas mahal ang Insurance as one grows older? ✈✈✈

Dear Mr Client.

Ang Insurance parang Plane Ticket.

Mas malapit sa Departure Date.

Mas Tumataas ang Plane Ticket.

Every year you grow older.

Papalapit na ang One Way Ticket.

(To where yun ang hindi ko masasabi sa iyo, pataas or pababa) 😈😇

Gets them laughing every time.

One thing is for sure though...

Kung sino man ang maiwan mo dito sa Life na ito

Will be taken cared for by your Life Insurance Policy.

Be protected. Be invested.
Save right. Save better.

Let's talk how, now.

RENALYN SOTERIO
+63946 994 1014
Your Licensed Financial Adviser
Alexandrite 2 District - PRISLIA Branch

Our Head office is looking for PART TIMERS.

College Graduate and Not involved in Networking.

You can do this while employed and at home! No need to resign in current work. (This will be just an additional income for you.)

Fresh Graduates and Career Shifters are welcome😊🤗

Trainings will be provided online.

PM ME FOR MORE DETAILS.

Did you know? 🤔

Year 1912 when the TITANIC DISASTER HAPPENED, Our company was able to insure 292 passengers that time. 😱😱😱

Meaning 292 families were able to received big money from Insurance claim.

172 years in Insuring lives and protecting families upto now, we still do the same thing.
172 years in the business still doing Great!

Congratulations clients for making a right decision! 🎉

PS. Di ako sure if Insured si Jack. 🤣

So ano pang hinihintay mo kapatid?
Always here to help you. 🤗

RENALYN SOTERIO
Licensed Financial Advisor