Remy Lopez, Financial Advisor

"An open letter for the one who is pressured"

Hey, I know you've been anxious lately. You're thinking of your future — how it looks like, how it's gonna be, how can you make it, how can you achieve your dreams, and different thoughts of wonders about what lies ahead. Though we really just cannot blame ourselves about this because we care for our future; we care for our dreams, our families, our finances, and even our goals in life and somehow we ask ourselves "Paano kaya yung future ko?".

Friends, let's take our time. Not because we see someone in their 20's achieving their dreams, it doesn't mean that we have to bear the spirit of pressure upon us. Breathe, take a moment of gratitude, remind yourself of your progress, continue dreaming! For me, success is not just about achieving something, it's about adding something in your dream list and being passionate about it. You don't just stop, you don't just settle for less, you don't pinpoint present achievements, you aim towards what is more valuable to you.

Most of the time, the more we compare ourselves to others, the less we see ourselves. So go, take your time. The time will come that you'll get not just what you want but also what you DESERVE, never lose faith. As long as it is His will and His timing, your future can never be left wandering alone.

Keep grinding, keep believing, keep pursuing.

"When the time is right, I, the Lord, will make it happen." - Isaiah 60:22

ctto: chichan

Hanggang sa hindi ka na nakapag plano para sa pag tanda mo.

Alam nyo ba kung kailan dapat mag simula sa pagkuha ng Life Insurance?
-the moment na meron ka ng income. Simply because you are more important now dahil for sure ay may dumedepende sa kita mo.

Make sure to secure your future self, dahil walang ibang gagawa nyan para sayo! 😇

LETS PLAN NOW! 💛

APPROVED! ☀️

“If there is anyone dependent on your income, like your parents, children, or relatives, for instance, then you need life insurance.” ©️

Congratulations and welcome to brighter life my dear client, thank you so much for trusting me and Sun Life to be your partner for life 🥳💛

Ikaw? Do you want me to be your partner for life and have a brighter future with Sun Life? Then, send me a personal message now! 💛

Contrary to popular notion, there are no shortcuts to achieve a good financial life and future. Lasting solutions are those that are ingrained with a sound financial foundation that is rooted on the right behavior coupled with the proper knowledge.

Of all the gifts that life has to offer, a loving mother is the brightest of them all. 💛

To all the strong mothers out there, thank you for being our !

Indeed 💯!!!!

Siguro sa una masaya.
- You get to enjoy your first salary kasi wala ka pa halos responsibilidad.
- You can resign anytime and then lipat na lang kapag gusto mo na uli magtrabaho since walang nakadepende sayo.
- You can splurge all the money you got kasi wala pang nakaasa.
Pero tatanda din tayo.
Hindi habang buhay mag ta-trabaho tayo at hindi rin habang buhay may source of income.

cto

What is the best Sun Life Insurance plans?

Lahat ng Plans ni Sun Life maganda. The question is, what is your main purpose or goal on getting a Life Insurance.

If you want:
👉Plan that is so much affordable and at the same time will give you a maximum coverage protection.-
Choose 𝙎𝙪𝙣𝙡𝙞𝙛𝙚 𝘼𝙨𝙨𝙪𝙧𝙚/𝙎𝙪𝙣 𝙎𝙖𝙛𝙚𝙧 𝙇𝙞𝙛𝙚

👉 Plan that generate Income and Protection -
𝙎𝙪𝙣 𝙈𝙖𝙭𝙞𝙡𝙞𝙣𝙠 𝙋𝙧𝙞𝙢𝙚 10 𝙮𝙧𝙨 𝙩𝙤 𝙥𝙖𝙮 / 𝙎𝙪𝙣 𝙈𝙖𝙭𝙞 𝘽𝙧𝙞𝙜𝙝𝙩 5 𝙮𝙧𝙨 𝙩𝙤 𝙥𝙖𝙮 / 𝙁𝙡𝙚𝙭𝙞𝙡𝙞𝙣𝙠

👉Plan for your child's education with guaranteed Cash benefit. - 𝙎𝙪𝙣 𝙎𝙢𝙖𝙧𝙩𝙚𝙧 𝙇𝙞𝙛𝙚 𝙀𝙡𝙞𝙩𝙚

👉 Plan that will cover you from hospital,ICU & from almost all critical illness with money back.-
𝙎𝙪𝙣 𝙁𝙞𝙩 𝙖𝙣𝙙 𝙒𝙚𝙡𝙡 𝘼𝙙𝙫𝙖𝙣𝙩𝙖𝙜𝙚

✨️This plans are created based on your Goals, Life stages, and Needs.🫶

If you're not yet sure which plan you should get,. LET ME HELP YOU choose a plan thats Suits you.

Remy L. Lopez
𝙎𝙪𝙣𝙡𝙞𝙛𝙚 𝙇𝙞𝙘𝙚𝙣𝙨𝙚𝙙 𝙁𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝘼𝙙𝙫𝙞𝙨𝙤𝙧

Message me for more details📲
Get your Free Quote!

A Sad Insurance Story

So you still get annoyed or probaly consistently avoid that insurance agent who've been wanting to get an appointment with you? This post might change that.

Today June 10, 2020 we delivered a sad news to our client; a former seafarer, a Chief Mate.

It was September 2017 when Mr. Chief bought an insurance policy with Life Coverage and Accident coverage. Originally, our insurance advisor offered him a life insurance with critical Illness, accident and hospital confinement benefit. The result of our financial needs analysis showed that Mr. Chief is financially and physically capable for the earlier mentioned coverage. Mr. Chief declined the offer for he is preparing to buy a new property and a new car. There is nothing wrong with purchasing a new car or another property. It is after all your reward for your hardwork.

October of 2017 Mr. Chief was supposed to return on board but due to some errands he decided to postpone it. Here comes the sad part. January of 2018 he got cerebrovascular accident (stroke). Mr. Chief can no longer go back to work, finances were exhausted and you know what hit me hard?

" Yung mga tinulungan kong maka sampa sa barko dati pati mga kamag anak na tinulungan ko, walang tumulong sakin nung ako na ang nangangailangan." Mr. Chief's tears were flowing down his cheeks as he utter these words.

" Hindi ko naman alam na magkaka stroke ako ng January. Kung nalaman ko lang, edi sana sumampa na ako noong Octobe may 20,000$ pa sana ako kung sa barko yun nangyare."

Mr. Chief's policy is now lapsed. He only paid his policy once (September 2017 only). Due to his financial status, he was not able to pay for his succeeding insurance premiums (5 year pay policy). Real estate properties were sold (lowest price), cars were sold, debts piling up. Even he wife and children now think that he is nothing but a "Pabigat Sa Pamilya".

Now the only thing he has is his insurance policy with us. He visited our branch today to check and withdraw his account value.We delivered the news with a heavy heart to the dejected client.

" Sir, almost 3 years nyo na pong hindi nabayaran ang policy nyo at lapsed na po sya with 0 account value. Wala po kayong makukuha sa account nyo na withdrawable amount."

The client can barely walk and talk straight. He can barely right his name and signature on a peice of paper. He begged to return even just a portion of his premium. So he left the branch with a heavy heart.

To the financial advisors:
Client first. Offer the correct financial solution according their needs.We dont just offer our products. We offer certainty to the uncertainty.

To the clients/prospects:
I hope this post changed your view about insurance and insurance advisors. Usap lang tayo baka pwede kaming maka tulong sayo, sa goals mo at sa future ng family nyo. Insurance advisors are here to help you protect your goals.

To my friends across insurance industry. Be proud of your profession. We all have the power to change and protect lives.

Photo from Google.

Bakit hindi mo pa simulan? 🤔

If you'd want to know more about SunLife Insurance, feel free to message 📩💛

Bigyan ko kayo example:

25 years old ka ngayon, single, breadwinner pero wala pang kids— may P1,000,000 life insurance.

Unang una, GOOD JOB! You have income protection for your parents or siblings. 💛

𝐐𝐮𝐞𝐬𝐭𝐢𝐨𝐧: 𝐄𝐧𝐨𝐮𝐠𝐡 𝐧𝐚 𝐛𝐚 𝐚𝐧𝐠 𝟏𝐌 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐡𝐚𝐛𝐚𝐧𝐠 𝐭𝐮𝐦𝐚𝐭𝐚𝐧𝐝𝐚 𝐤𝐚 𝐚𝐭 𝐤𝐮𝐧𝐠 𝐦𝐚𝐠𝐤𝐚𝐫𝐨𝐨𝐧 𝐤𝐚 𝐧𝐠 𝐬𝐚𝐫𝐢𝐥𝐢 𝐦𝐨𝐧𝐠 𝐚𝐧𝐚𝐤?

Reality? Good job for having one, pero hindi sapat.

1. Because of inflation, liliit ang value ng 1M pesos. Magkano nalang ito kung dumating ka ng retirement age?

2. Imagine, 1M ang maiiwan mo sa asawa at 2 kids mo in the future— possible na ubos na ito agad sa loob ng 1-2 years.

This is the reason kung bakit hindi sapat na “isa” lang ang insurance. This is the reason kung bakit kailangan mo ng maayos na financial advisor— to help you plan for your future.
ctto

DEAR CLIENTS,

Great news! ☀️

We have enabled more digital services for you on our Sun Life PH Mobile App. You can now request to change the name of the policy owner, the insured individual, or business with just a few clicks!

Please be advised that the acceptable reasons for name change are as follows:
• Marriage
• Annulment
• Correction of Sun Life records (e.g., misspelling)
• Change in company or business name

LIFE INSURANCE IS A MIRACLE FINANCIAL PRODUCT

Why?

Here are just some of the reasons.

“It is the only financial product which has a KNOWN SUM for an UNKNOWN TIME.”-Jendee Sapo De Guzman

“It is a FINANCIAL GUARANTEE! We can buy it when we don’t need it BUT we can’t buy it when we really need it.”-Louie Tolentino

“It is the only financial product that considers risks and yet pays despite the risks.”- Coach Ron Sy

“Aside from its main purpose which Re to safeguard a family and build guaranteed equity for the future. Where else could an individual pay such small amounts for such a large benefit that pays off at a guaranteed event?”-Argent Financial

Life insurance is a miracle financial product because even you only pay Php3k monthly, but when unexpected happens, you can get thousands of pesos or even millions even you don’t have that kind of money in the bank.

Ilang beses na ako nakarinig ng story na “Dati silang mayaman, kaso nung namatay ang magulang— naghirap.”

Bakit ba yun nangyayari? Maraming reasons.

Pero isa sa mga reason ay kawalan ng wealth or income protection.

Dahil hindi insured— noong nagkasakit, lahat ng savings ay nagiging pambayad sa hospital.

Dahil hindi insured— noong nawala, napunta lahat sa mga pambayad ng utang at funeral expenses.

Huwag mo hayaan na poverty ang maipamana mo sa loved ones mo. Get insured.

Team Numbawan!!! ☝🏼 Congrats Sun Lifers! Sun Life Philippines 12 years as No. 1 in the Philippines! 🙌🏼👏🏼

* #1 in New Business
* #1 in Total Premium

2022 performance of life insurance companies based on new business (unaudited).

Source: Insurance Commission website.

𝐖𝐞 𝐚𝐫𝐞 #𝟏!

𝐂𝐨𝐧𝐠𝐫𝐚𝐭𝐮𝐥𝐚𝐭𝐢𝐨𝐧𝐬 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚 𝐏𝐡𝐢𝐥𝐬. 𝐈𝐧𝐜. 💛

12 years as No. 1 in the Philippines!
We’re delighted to be the leader in both Total Premium Income and in New Business.

More than anything, this is a testament to our clients’ trust and support.
𝐘𝐨𝐮 𝐢𝐧𝐬𝐩𝐢𝐫𝐞 𝐮𝐬 𝐭𝐨 𝐬𝐡𝐢𝐧𝐞 𝐛𝐫𝐢𝐠𝐡𝐭𝐞𝐫! 💛

To God be all the glory 🙏

Tuloy mo Lang ! 😊💪💛

Scenario:

Friend 1: Gipit ako ngayon. Stop na ako. Pwede ko ba makuha lahat ng dineposit ko? (After paying his regular-pay VUL for a few months)

Friend 2: Bakit, pag nag-claim ka ng coverage for death or sickness, pwede ba bawiin ng insurance company?

Hehe! Kidding aside... bakit nga ba usually walang nakukuha kapag a few months old pa lang ang policy mo?

1.) It's not a bank deposit account.
A regular-pay VUL policy is NOT a bank deposit account, where you can "park" your money and withdraw whenever you want. It is a protection contract between a client and an insurance company. Hindi sya fair for the insurance company kasi malaking risk ang tinataya nila. Milyones ang kapalit ng binabayad mong premium. The only time na may makukuha ka from your policy is kapag may tubo na ito from your investment (fund value), which is only possible kapag matagal na ang policy (at least three years).

2.) It's like hiring the services of a bodyguard.
Think of a VUL policy as your BODYGUARD. Regardless po kung may mangyari sa iyo o wala, kailangan nyo po syang sweldohan, kasi you were protected during the time na ni-hire nyo sya. Plain and simple.

3.) You are buying an asset.
Sa insurance or VUL po kasi, you are basically buying an asset with the choice to do it by "installment." Example, you are buying 1M coverage for 3k a month. If you were saving sa bank, it will take you nearly 30 years bago yan makumpleto. Pero sa insurance, agad-agad. Ownership was effective since Day 1 (for as long as you keep paying your premium). Same with buying a house. If you stop paying for the mortgage, wala kang makukuha. Hindi mo pwede bawiin ang downpayment mo. At lalong di mo rin magiging pagmamay-ari yung property kahit partially paid na. Subject for foreclosure.

Kaya for as long as binabayaran mo ang premium mo, mananatili ang promise ng insurance company to give that big amount if something bad happens to you. Once you stop, the company will also stop with its responsibility with you..

Ang delikado dyan is kung may mangyari sayo at cancelled na ang policy mo, hindi ka talaga maka-cover.

Kaya if I were you, continue mo lang no matter what. I understand mahirap situation nyo now pero di hamak na mas mahihirapan kayo kapag nagka-emergency at ikaw mismo at sumabay ka to an already existing financial problem.

Tandaan mo, maraming pwedeng mangyari sa isang minuto at hindi ka dun exempted. Even in your sleep, something could happen.

The Financial Planning Pyramid shows the whole picture of achieving a secure and stable future. It is composed of three levels:

1. Wealth Protection (base) covers for unexpected incidents like job loss and illness. Included are savings, emergency fund, and eliminating debt.
2. Wealth Accumulation (2nd level) builds financial ability for retirement and other life milestones. This can be achieved through investments.
3. Wealth Transfer (3rd level) ensures the efficient transfer of wealth to intended beneficiaries. More popularly known as estate planning.

But always remember: financial planning is a process, so the basics of budgeting, saving, and investing always apply at ALL levels of the pyramid.

We hope that you will pursue the path towards prosperity. Keep the momentum and see how much brighter your life can be!

Grow your wealth and stay financially savvy. ☀️

___________

It's never too late to start planning and go for your goals! ☀️

Iba talaga magmahal ang magulang💛

Baby Meteor of Whamos and Antonette having Sunlife 💛🌞

Iba pagmamahal ng magulang talaga 💛

Baby Meteor of Whamos and Antonette having Sunlife 💛🌞

Grabe na talaga 2023! Thank you SunLife ✨💡

3rd gen Pamana Fund from Sun Life
Sun Smarter Life elite Explained in 3 mins 👇🏻👇🏻👇🏻
https://www.facebook.com/krizziam1/posts/5673100502708341

4 Ways in Which Life Insurance Is Used by Some of the Best Companies in the World

Life insurance can be used for collateralizing loans, funding buy-sell agreements, key person insurance, and deferred compensation plans.

Isa ka ba sa mga kinukulit ko? opo, makulit talaga ako! Sa mga hindi ko pa na memessage, kalma lang eto na! 😆

Mga sis, bro, mars, besh, pare, ghorl, para sayo din naman yaaan. Mas okay na yung kinukulit kita ngayon kasi pwede pa kesa ako na kulitin mo pagdating ng panahon na hindi na pala pwede 🙁

Tara! Start na natin yan. 🤗
Pm is the 🔑

Start SAVING and INVESTING this 2023.

Para pagdating ng 2033 may malaking withdrawable fund ka na.

Whether or not you start saving and investing this year, dadating ang year 2033.

Huwag mong sayangin ang oras at panahon. Hindi na 'yan maibabalik. 😁