Janine Sebes - Sun Life Licensed Financial Advisor

Get Insurance for your kids, bro, sis, mother and father 🤩🥳 indeed the best gift ever! 💛

Investment is a commitment, but how far should you go? Our expert Sun Life fund managers are here to help you take the next step in your investing journey. ✨

Open an account online at https://sunlife.co/SunLifeFunds.

𝗘𝘁𝗼 𝘆𝘂𝗻𝗴 𝗣𝗟𝗔𝗡 𝗻𝗮 𝗽𝗮𝗿𝗮 𝗸𝗮𝗻𝗴 𝗺𝗮𝘆 𝗔𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁!
𝗞𝗮𝘀𝗶 𝘄𝗶𝘁𝗵 𝘁𝗵𝗶𝘀 𝗽𝗹𝗮𝗻, 𝘆𝗼𝘂 𝘄𝗶𝗹𝗹 𝗽𝗮𝘆 𝗳𝗼𝗿 𝗼𝗻𝗹𝘆 𝟱 𝗼𝗿 𝟭𝟬𝘆𝗿𝘀 𝗕𝗨𝗧 𝗶𝘀 𝗹𝗶𝗸𝗲 𝗮 𝗧𝗥𝗘𝗘 𝘁𝗵𝗮𝘁 𝗴𝗶𝘃𝗲𝘀 𝗮𝗻𝗱 𝗴𝗶𝘃𝗲𝘀 𝗮𝗻𝗱 𝗴𝗶𝘃𝗲𝘀 𝘆𝗼𝘂 𝗠𝗢𝗡𝗘𝗬 𝘂𝗻𝘁𝗶𝗹 𝗮𝗴𝗲 𝟭𝟬𝟬!

👉𝟲𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟴𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟭𝟬𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝟭𝟮𝘁𝗵 𝗬𝗲𝗮𝗿: 𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 + 𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
👉𝗨𝗻𝘁𝗶l 𝗮𝗴𝗲 𝟭𝟬𝟬!

𝗔𝗿𝗲 𝘆𝗼𝘂 𝗹𝗼𝗼𝗸𝗶𝗻𝗴 𝗳𝗼𝗿 𝗮 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗽𝗹𝗮𝗻 𝗻𝗮 𝗽𝘄𝗲𝗱𝗲 𝗺𝗮𝗴 𝗯𝗶𝗴𝗮𝘆 𝗻𝗴 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗰𝗮𝘀𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁 𝗻𝗮 𝗽𝘄𝗲𝗱𝗲𝗻𝗴 𝗴𝗮𝗺𝗶𝘁𝗶𝗻 𝗮𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱 𝗮𝗻𝗱 𝗮𝘁 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝘁𝗶𝗺𝗲 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱 𝗸𝗮 𝗷𝘂𝘀𝘁 𝗶𝗻 𝗰𝗮𝘀𝗲 𝗺𝗮𝘆 𝗺𝗮𝗻𝗴𝘆𝗮𝗿𝗶 𝘀𝗮𝘆𝗼?
𝗧𝗼 𝗵𝗲𝗹𝗽 𝘀𝗲𝗰𝘂𝗿𝗲 𝗯𝗿𝗲𝗮𝗱𝘄𝗶𝗻𝗻𝗲𝗿𝘀 𝗽𝗿𝗲𝗽𝗮𝗿𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗼𝗿 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱, 𝗼𝗻𝗲 𝘀𝗼𝗹𝘂𝘁𝗶𝗼𝗻 𝗜 𝗿𝗲𝗰𝗼𝗺𝗺𝗲𝗻𝗱 𝗶𝘀 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬!
✅𝗚𝗿𝗲𝗮𝘁 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗸𝗶𝗱'𝘀 𝗲𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝘂𝗻𝗱 𝗳𝗿𝗼𝗺 𝟬 𝘁𝗼 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀 𝗼𝗹𝗱.
✅𝗠𝗮𝘆 𝗰𝗵𝗼𝗶𝗰𝗲 𝗸𝗮 𝗻𝗮 𝗶𝗹𝗶𝗽𝗮𝘁 𝘀𝗮 𝗮𝗻𝗮𝗸 𝗺𝗼 𝗮𝗻𝗴 𝗰𝗮𝘀𝗵 𝗯𝗲𝗻𝗲𝗳𝗶𝘁.
✅𝗛𝗮𝗻𝗴𝗴𝗮𝗻𝗴 𝗺𝗮𝗴𝗸𝗮 𝗮𝗽𝗼 𝗸𝗮, 𝗺𝗲𝗿𝗼𝗻 𝗸𝗮 𝗽𝗮 𝗿𝗶𝗻 𝗺𝗮𝗸𝘂𝗸𝘂𝗵𝗮.
✅𝗕𝗮𝗴𝗮𝘆 𝗻𝗮 𝗯𝗮𝗴𝗮𝘆 𝘀𝗮𝘆𝗼 𝘁𝗼 𝗸𝘂𝗻𝗴 𝗴𝘂𝘀𝘁𝗼 𝗺𝗼 𝗻𝗴 𝗰𝗼𝗻𝘀𝗶𝘀𝘁𝗲𝗻𝘁 𝗯𝘂𝘁 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗿𝗲𝘁𝘂𝗿𝗻.
✅𝗔𝗹𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝘃𝗲𝗹𝘆, 𝗽𝘄𝗲𝗱𝗲𝗻𝗴 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗳𝘂𝗻𝗱
✅𝗣𝗮𝘆𝗶𝗻𝗴 𝗽𝗲𝗿𝗶𝗼𝗱 𝗶𝘀 𝟱 𝗼𝗿 𝟭𝟬 𝘆𝗲𝗮𝗿𝘀
✅𝟴% 𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 𝗼𝗻 𝘁𝗵𝗲 𝟲𝘁𝗵 𝘆𝗲𝗮𝗿 𝗨𝗻𝘁𝗶l 𝗮𝗴𝗲 𝟭𝟬𝟬!
𝗛𝗲𝘁𝗼 𝗮𝗻𝗴 𝗯𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗻𝗴 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬:
✅𝗣𝗵𝗽 𝟭,𝟬𝟬𝟬,𝟬𝟬𝟬 𝗳𝗮𝗰𝗲 𝗮𝗺𝗼𝘂𝗻𝘁
✅𝗣𝗵𝗽 𝟮,𝟬𝟬𝟬,𝟬𝟬𝟬 𝗗𝗲𝗮𝘁𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗣𝗵𝗽 𝟴𝟬,𝟬𝟬𝟬 𝗘𝗻𝗱𝗼𝘄𝗺𝗲𝗻𝘁 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗚𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁
✅𝗗𝗶𝘃𝗶𝗱𝗲𝗻𝗱𝘀
✅𝗖𝗵𝗶𝗹𝗱: 𝟬 𝗬𝗿 𝗼𝗹𝗱
𝗢𝗽𝘁𝗶𝗼𝗻𝗮𝗹 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 𝗮𝗻𝗱 𝗮𝗱𝗱𝗲𝗱 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻:
✅𝗔𝗰𝗰𝗶𝗱𝗲𝗻𝘁𝗮𝗹 𝗗𝗲𝗮𝘁𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗔𝗗𝗕)
✅𝗧𝗼𝘁𝗮𝗹 𝗗𝗶𝘀𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗧𝗗𝗕)
✅𝗪𝗮𝗶𝘃𝗲𝗿 𝗼𝗳 𝗣𝗿𝗲𝗺𝗶𝘂𝗺 𝘂𝗽𝗼𝗻 𝗱𝗲𝗮𝘁𝗵 𝗼𝗿 𝗱𝗶𝘀𝗮𝗯𝗹𝗲𝗺𝗲𝗻𝘁 𝗼𝗳 𝗶𝗻𝗶𝘁𝗶𝗮𝗹 𝗼𝘄𝗻𝗲𝗿 (𝗪𝗣𝗗𝗗)
✅ 𝗖𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗜𝗹𝗹𝗻𝗲𝘀𝘀 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗛𝗲𝗮𝗹𝘁𝗵 𝗙𝘂𝗻𝗱) (𝗖𝗜𝗕)
✅𝗛𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗜𝗻𝗰𝗼𝗺𝗲 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 (𝗛𝗜𝗕)
𝗝𝘂𝘀𝘁 𝘀𝗲𝗻𝗱 𝗺𝗲 𝗮 𝗺𝗲𝘀𝘀𝗮𝗴𝗲 𝘁𝗼 𝗸𝗻𝗼𝘄 𝗺𝗼𝗿𝗲 𝗼𝗿 𝗶𝗳 𝗺𝘆 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗸𝗮 𝗮𝗯𝗼𝘂𝘁 𝗦𝘂𝗻 𝗦𝗺𝗮𝗿𝘁𝗲𝗿 𝗘𝗹𝗶𝘁𝗲 𝟭𝟬.

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Secured 10 lives this Q3. Thank you, Lord, for this opportunity to secure families again. Thank you Dear Clients for trusting me 💛

Not everyone deserves a second chance. Get it while you’re still young and healthy 😉

Message me for a free financial planning 101

Free slot today 1:00pm - 6:00 Pm 🌞

Have you heared about the best Health Insurance Protection in the Philippines?

Sun Life's "SUN Fit and Well Advantage" is a life and health insurance plan that offers critical illness and life insurance benefits until age 100. YES! UNTIL AGE 100 😍

Get yourself covered with 114 Major and Minor Critical Illness plus Specific Cancer benefit.

Added benefits:
✅Hospital Income Benefit
✅Home Recovery Benefit
✅Post Hospitalization Benefit
✅Palliative Care Benefit
✅Special bonus and dividend earnings

Build your financial defense 💪💛

You want to save up for your child's education but are a bit hesitant to invest in the stock market?

SUN SMARTER LIFE ELITE

Why Sun Smarter Life Elite?

1) Sun Smarter Life Elite is perfect for babies as it helps parents save up for their child's education through GUARANTEED INCOME in the form of ENDOWMENT.

Endowment is 8% of the face amount (coverage) and it starts at the 6th policy year and every other year onwards - FOR LIFE. In this example, 8% of 1M is 80,000.

2) Sun Smarter Life Elite is also DOUBLE the face amount (or coverage).

If you choose to keep this policy for your child until he gets older as an adult, he and his family will benefit from this coverage. In this case the coverage is 1M (total death benefit is 2M).

3) Sun Smarter Life Elite also has a supplemental cash benefit in the form of DIVIDENDS. They can also be left to accumulate for future use.

4) Sun Smarter Life Elite is only payable in 5 or 10 years, but coverage and endowment is UNTIL AGE 100.

So if you decide not to use the endowment for your child at age 18 (education), the policy can be kept until age 100 (with the endowment steadily increasing in value) so he could have GUARANTEED INCOME FOR LIFE. 🙂

Note: Adults can also benefit from Sun Smarter Life Elite - to let endowment accumulate for retirement and as additional income in our senior years! 🙂

If you wish to know more about this, feel free to send me a message so we can discuss the right plan for you and your family. 🙂

4 Approved PLans in 2 weeks! Thank you Dear clients for your trust and congratulations! 💛

Pssssst. Malapit na ulit ang bagong taon, hindi ka pa rin ba insured? Tara, help kita e-achive ang peace of mind 💛

Are you looking for a Life insurance with Comprehensive Health Benefit? This one is for you! 💛

Sun FIT AND WELL plan is a comprehensive Health Insurance that covers medical, surgical and even recovery costs!

message me to know more about this plan. ☺️

"𝗧𝗵𝗲 𝗣𝗼𝗰𝗸𝗲𝘁𝘀 𝗧𝗵𝗲𝗼𝗿𝘆"

If nagiipon ka let us say P5,000 monthly, try natin ilagay yan sa 2 pockets..

👉𝗟𝗲𝗳𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 - 3,000 alloted for Savings, Emergency Fund, Short term saving goals.

👉𝗥𝗶𝗴𝗵𝘁 𝗽𝗼𝗰𝗸𝗲𝘁 - 2,000 alloted for Life or Health Insurance, income protection critical illness benefit, hospital income benefit, investment benefit.

Imagine, if you only have one pocket na 5,000 monthly savings, kapag nagkasakit ka ubos ang 5,000 diba? Madalas Kulang pa..
Whereas if you have 2 pockets na pwdeng pag kunan.. at your P5,000 pwede ka kumuha either SAVINGS FUND mo or sa LIFE INSURANCE.

𝙉𝙖𝙬𝙖𝙡𝙖𝙣 𝙠𝙖 𝙗𝙖 𝙣𝙜 𝙥𝙚𝙧𝙖? 𝙃𝙄𝙉𝘿𝙄 🥳🥳🥳🥳
Hinati mo lang 5,000 mo, pero once na there will be an emergency, marami kang pagkukunan. Maximize your money. Your family and your future self will be protected when the unexpected time comes.
That’s the value of financial literacy.

Want to check a personal policy for you?
Send me a message and I will be glad to assist you 😊

Quit when you’re done. Dont quit when you’re just tired.

One who is afraid of doing too much always does too little. To achive all that’s possible, we must attempt the impossible.

𝐒𝐞𝐚𝐦𝐚𝐧: May insurance na ako sa kompanya na pinagt’trabahuhan ko worth 10M.

𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐀𝐝𝐯𝐢𝐬𝐨𝐫:😱😱😱 WOW! Congrats po sir! Baka po gusto nila kumuha/magdagdag ng personal life/health insurance ?

𝐒𝐞𝐚𝐦𝐚𝐧: hindi na. Malaki na naman ang coverage ko.

After 3 years, si seaman natanggal sa trabaho. Sa hindi inaasahang pagkakataon, natamaan ng sakit at binawian ng buhay.
Walang nakuha ni singko ang pamilya na naiwan ni seaman sa insurance na binigay sa kanya ng dating kumpanyang pinagt’trabahuhan sa kadahilanang ito ay applicable lamang sa mga employed nila na empleyado.

𝐋𝐞𝐬𝐬𝐨𝐧:
" May insurance na ako, provided ni company samin."

Hindi mo alam kung hanggang kelan ka magt’trabaho sa kumpanyang iyong pinagt’trabahuhan. Kadalasan, hindi life time insurance ang ibinibigay ng mga kompanya na ating pinagt’trabahuhan kaya mas mainam na meron ka pa ring personal mong insurance para kahit anong mangyari, meron kang PEACE OF MIND na maibibigay sa iyong sarili at sa pamilya mo.

Tara! I-assess natin yan.😊

Better to plan it NOW kasi hindi natin alam ang mangyayari sa hinaharap.

Hindi pwde ibayad ang GET WELL SOON sa hospital bills. Lalo na ang Good Luck pambayad ng tuition fee!

At Stay Healthy pag retire natin.

Save and invest while healthy and earning

FROM 6K to 1 MILLION

“The insured was the wife of my close friend who got her first Life Insurance policy on March 2020 when she was 7 MONTHS PREGNANT, their firstborn. For the past 4 years, we have always talked about the importance of preparing for the future but somehow it was pushed back to prioritize bills such as mortgage payments, and other expenses.

Finally, last year, they decided to secure the future of their upcoming child since they will be starting a family. She was so happy that she got approved for her first life insurance policy.

TWO MONTHS INTO THE POLICY, after giving birth to a healthy baby girl, the insured died of unexpected complications. As the husband tries to recover from the loss of her beloved wife, her legacy lives on with their daughter and the fund to help secure her future. The husband, as her beneficiary, received a Php 1 Million death claim benefit from her policy.

𝗠𝘆 𝗰𝗹𝗶𝗲𝗻𝘁'𝘀 𝗵𝗲𝗮𝗿𝘁𝗯𝗿𝗲𝗮𝗸𝗶𝗻𝗴 𝘀𝘁𝗼𝗿𝘆 𝗶𝘀 𝗮 𝘁𝗿𝘂𝗲 𝘁𝗲𝘀𝘁𝗮𝗺𝗲𝗻𝘁 𝘁𝗵𝗮𝘁 𝘄𝗵𝗶𝗹𝗲 𝘁𝗵𝗲 𝗹𝗼𝘀𝘀 𝗼𝗳 𝗼𝘂𝗿 𝗹𝗼𝘃𝗲𝗱 𝗼𝗻𝗲𝘀 𝗺𝗮𝘆 𝗰𝗼𝗺𝗲 𝗮𝘁 𝗮𝗻 𝘂𝗻𝗲𝘅𝗽𝗲𝗰𝘁𝗲𝗱 𝘁𝗶𝗺𝗲, 𝘁𝗵𝗲𝗶𝗿 𝗽𝗿𝗼𝗺𝗶𝘀𝗲 𝘁𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁 𝗮𝗻𝗱 𝗽𝗿𝗼𝘃𝗶𝗱𝗲 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗻𝗲𝗲𝗱𝘀 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘁𝗵𝗲𝘆 𝗹𝗼𝘃𝗲 𝘄𝗶𝗹𝗹 𝘀𝘂𝗿𝗲𝗹𝘆 𝗹𝗶𝘃𝗲 𝗼𝗻.”

Claim Amount: Php 1,005,015.99
Total Premium Paid: Php 6,000
Policy Issued: March 2020
Date of Death: May 2020

©️Harold Labuguen

Financial literacy took a bright leap forward under former President Fidel V. Ramos.

He signed Proclamation 1059 declaring the first week of October of every year as “Life Insurance Consciousness Week.” The document highlighted “services and benefits for financial protection” and how “the life insurance industry is a major contributor to the social and economic development” of the country.

As a formative political figure, President Ramos was also instrumental in Sun Life’s decision to stay and thrive in the Philippines. He was the one who reminded the company to believe in the Filipino spirit – a mutual exchange of trust that created a lifetime partnership spanning renewal, reinventions, and revolutions.

Thank you for sharing your light to Sun Life, the life insurance industry, and financial security for Filipino families. Rest in peace, FVR.

🤔 "Marami na akong savings, kailangan ko pa ba ng insurance?"

👩‍💼 Pwedeng OO. Pwedeng HINDI. Pero, remember: Your savings may not cover your losses but your INSURANCE will.

🤔"Masyadong mahal 'yan. Wala akong budget para dyan."

👩‍💼 Good news! You can already be insured and at the same time can start your investment journey SAFELY, for as low as P 1,500 a month only!

Get your free quote.

You may also upgrade this plan into a personalized 5-in-1 Insurance+Investment plan:

💛 Life Insurance
💛 Accidental Death Benefit
💛 Critical Illness Benefit
💛 Hospital Income Benefit
💛 Investment

*price may vary depending on age, occupation, health status, and smoking habits.

Together, let’s create road map of your finances toward a brighter future. It will be our pleasure to guide you! 😉

ctto: abellon r.

𝗠𝗮𝗯𝗶𝗹𝗶𝘀 𝗻𝗮 𝗞𝘄𝗲𝗻𝘁𝗼. 𝗬𝘂𝗻𝗴 𝗪𝗮𝗹𝗮𝗻𝗴 𝗗𝗿𝗮𝗺𝗮.

- 2017 kumuha si client ng flexilink (insurance with investment). Sya ang unang client ko.

- 2019 kumuha ulit ng isa pang policy na Sun Life Assure (term plan). Around 𝟲𝟬𝟬/𝗺𝗼𝗻𝘁𝗵 𝗽𝗿𝗲𝗺𝗶𝘂𝗺.

- August 5, 2021 client suffered a 𝗺𝗮𝗷𝗼𝗿 𝗵𝗲𝗮𝗿𝘁 𝗮𝘁𝘁𝗮𝗰𝗸 and needed to undergo an emergency angioplasty. Fast forward, he was able to recover.

- October 14, 2021 - critical illness benefit for Sun Life Assure has been 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗.

- October 20, 2021 - critical illness benefit for flexilink has been 𝗔𝗣𝗣𝗥𝗢𝗩𝗘𝗗.

Total Critical Illness Benefit Claim: ??? Pm me. Ibubulong ko sayo🤫🤭

Kailangan ko pa bang iexplain kung bakit kailangan mo kumuha ng insurance?! Basic! Dahil sa insurance ni client, nabayaran ang medical bills, napagpatuloy ang medication, at nakapagpatayo pa ng mga negosyo.

Ayun lang tapos na!

𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝗺𝗲 𝗶𝗳 𝗺𝗮𝘆 𝘁𝗮𝗻𝗼𝗻𝗴 𝗸𝗮.

Disclaimer: with client’s permission to post photos

(c) Carol Go

Isa sa mga dahilan kung bakit maraming Pinoy ang ayaw o allergic sa life insurance ay dahil sa nangyari sa CAP at ibang pre-need companies noon.

Hindi naging maganda ang investment ng CAP dahil ito ay nagfocus sa real estate (illiquid asset) na hindi madaling ibenta. Dagdag pa dito ay naapektuhan din sila nang hindi napigilang pagtaas ng tuition fee sa mga paaralan.

Hindi ko naman kayo masisi kung natatakot na kayo na baka mangyari ulit ito.

Ngunit gusto kong lang malaman niyo na magkaiba po ang pre-need company at life insurance company. Kung ang dahilan kung bakit ayaw mo sa life insurance ay dahil takot kang masayang ang pera mo at mauwi sa wala ang investment mo, inuulit ko lang po, magkaiba ang life insurance company sa pre-need company. Hindi life insurance ang pre-need plan
Sa katunayan, marami itong pagkakaiba.

1. Bago magsara ang ilan sa mga pre-need companies noon, ang mga ito ay nasa regulasyon ng Securities and Exchange Commission (SEC) habang ang mga life insurance company naman ay nasa regulasyon ng Insurance Commission (IC).

2. Ang mga pre need companies ay local, habang karamihan naman ng mga insurance companies ay international at kilala sa buong mundo.

3. Ang mga pre-need companies ay nag ooffer ng open ended plans. Ipapromise nila na sila ang magbabayad ng tuition fee, pension o memorial services, etc. mo in the future. (But promises are meant to be broken.. Jk 😅) habang ang life insurance naman ay may guaranteed face amount, non guaranteed dividends o fund value ng iyong investment.

4. Kadalasan, ang pangalan ng mga pre need companies ay nagtatapos sa “plan” habang ang pangalan ng insurance companies ay nagtatapos naman sa “life”.

Halimbawa:
Pre need: College Assurance Plan, Pacific Plans, PhilPlans

Life Insurance: Sun Life, Philam Life, Pru Life, Manulife

Marami pa itong pagkakaiba. Sana tayo po ay makapagbasa at matuto pa para mabuksan ang ating isip sa importansya at mga benepisyo ng life insurance sa atin at sa ating mga mahal sa buhay.

Kasi kapag tayo biglang nawala, paano na lang ang mga maiiwan nating mahal sa buhay? Maganda kung pera ang maiibibigay at maiiwan natin sa kanila di ba? Kaysa naman utang 😊


Iba ang may alam.💯❤😍

CONVO WITH A CLIENT 🧏🤳
Client: Baka naman bigla nalang din magsara yang Insurance Company ninyo, pahirapan magclaim"😬
Ano po ba ang standard ninyo ng isang STABLE COMPANY? 🤔🙄
✅"DAPAT KILALA"
Sunlife was awarded as the No.1 Insurer in the Philippines for 11th consecutive years in a row. 💯

✅"DAPAT MATAGAL NA SA INDUSTRIYA"
Sun Life is celebrating it's 127th year here in the Philippines this 2022, mas matanda pa sa Lolo at Lola naten. 💯

✅"DAPAT ACCESSIBLE ANG OPISINA"
Sun Life has over 80 branches nationwide and numerous ISO offices, at syempre me as your trusted advisor always at your service. 💯

✅"BAKA MAHIRAP MAG CLAIM"
Sun Life has paid P6.5 Billions in claims and maturities last 2021.💯

Sa tingin niyo po Mr. Client, Stable po ba na company si Sun Life? 🥰🤩

Client: Yes! Stable na Stable! Anong mga need kong requirements to apply? 😁

Be one of our valued clients and experience the Brighter life under the Sun 😀☀️😀☀️
Let’s talk and have brighter life future. 🙂

SUN SMARTER Life ELITE Peso 10💛

Ito ay 10 year payment whole life insurance na merong GUARANTEED CASH VALUE at GUARANTEED ANTICIPATED ENDOWMENT BENEFIT.

✅double ang face amount upon death
✅merong syang GUARANTEED 8% na endowment benefit beginning on the 6th year and every 2 years thereafter until age 100
✅meron kang dividend (not guaranteed, projected 3%)
✅maganda sa child's educational fund from 0 to 10 years old
✅ikaw ang bahalang ilipat sa anak mo ung cash benefit, until magka apo ka, meron kang makukuha until 100 years
✅merong waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan ( wag naman sana), makakatanggap sya ng pera until 100 years old.
maganda sa taong sigurista
✅may paying period na 10 years
✅merong Accidental Death at Total Disability Benefit

For example if you have 1,000,000 face amount.. 8% is 80K. Ibig sabihin, may makukuha kang 80K simula 6th year nung policy mo then every 2 years hangang age 100 nung insured. If 0 to 10 years old yung insured, you do the math.... May dividends pa na pwedeng ma earn yung pera mo.

Do you also want to know your options? Let's talk! 🤗

-ctto-

📣 Bright News!

Starting July 1 , we (SUN LIFE) Financial Advisors are accepting POLITICIANS and their immediate relative to apply for insurance.

Take advantage of this, PM me for an appointment.

You can already refer your politician friends and family if ever they needed any financial planning and insurance. ☺️

Gusto mo ba ng comprehensive life insurance na covered ang 114 critical illness? na kapag hindi mo rin nagamit ay pwede mong maging retirement fund? yes pwede yon mga sis!

Message me to know more about this plan 😉

Janine Sebes - Sun Life Licensed Financial Advisor updated their phone number.

If you think Philhealth is enough? Think again.
This Comprehensive health insurance covers medical, surgical, and even recovery costs!
Message me for a FREE Proposal. Start while you are still healthy because not everyone is insurable. 😊

Janine Sebes - Sun Life Licensed Financial Advisor updated their business hours.

Janine Sebes - Sun Life Licensed Financial Advisor updated their website address.

"Someone is sitting in the shade of a tree today because someone planted a tree a long time ago " - Warren Buffet

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Make money, Invest it, and make more. ☀️

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It starts TODAY! ☀️

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