Bright Advise with Olive

For only Php 5,140 initial annual premium, you get Php 500,000 protection coverage!

Give yourself and your family financial comfort and peace of mind no matter what happens!

A Life and Health Insurance plan that provides protection benefit against any of the covered critical illness conditions!

For meetings and/or discussions, just PM me!

*******

Below graphics and benefits are my own representation and computation based on a "30-year old, non-smoker male"

Terms & conditions apply

Kung ikaw ay bibili o nagbabalak bumili ng bahay o property gamit ang home loan, ikaw ay ire-require ng bangko na magbayad ng Mortgage Redemption Insurance o MRI.

Kung ngayon ka pa lamang bibili ng ari-arian at nagtataka kung bakit kailangang maglabas ng ganito kalaking halaga para sa isang uri ng insurance, narito ang ilang gabay para sa Mortgage Redemption Insurance.

Ano ang Mortgage Redemption Insurance?

Ang Mortgage Redemption Insurance (MRI) ay isang uri ng insurance na nagbibigay ng pinansyal na proteksyon para sa mga indibidwal na kumukuha ng loan. Kung sakaling mamatay o magkaroon ng 'total disability' ang humiram o kumuha ng loan, hindi na mag-aalala pa ang pamilya para sa kanilang property dahil ang Mortgage Redemption Insurance ang gagamitin upang ma-settle ang natitira pang bayarin para sa property.

Bakit mo Kailangan ng Mortgage Redemption Insurance?

Sakaling mamatay o magkaroon ng permanent disability ang kumuha ng home loan, lalo na kung siya ang kumikita ng malaki sa pamilya, nagiging malaking problema ang pagbabayad sa natitira pang bayarin para sa property o bahay. Maraming pagkakataon na pinipiling ibenta ng pamilya ang property sa mas murang halaga para mabayaran lamang ang utang.

Kung mayroong Mortgage Redemption Insurance, hindi na mahihirapan pa ang pamilya sa pagbabayad ng utang dahil Mortgage Redemption Insurance ang gagamiting pambayad dito.

Your MRI should be at least equal to the amount of the your loan or propoerty you purchased on the setting of untimely death upon acquisition of the house or real-estate property.

If the amount of the property is 1M pesos then dapat yun life insurance coverage mo to be used as your MRI is should be AT LEAST 1M pesos din. This is ON TOP of the current coverage that you have since ang goal ne'to is specific for MRI only!

Kaya it is highly suggested na magkaroon ng multiple policies that cater your different goals and needs! 🏡💛

*products for MRI
- trad
- vul( insurance to the bank while fund value goes to the applicant)

* Once loan is fully paid, the beneficiaries can be change to family members

ctto " The Bright Moneyger"

➡SUN FLEXILINK
🔶Regular pay VUL with coverage up to age 88
🔶 Flexible premium&Top-ups/excess premium are allowed

✅Sun Flexilink this is a good investment budget friendly especially for young age.
✅As young we are better able to provide for ourselves because when we retire age we have a fund that we can use at the age of 55years old, 60 or 65 depends on your choice.The more age up the higher the funds.
✅The more hold your investment,The more possible higher return.
✅You already have protection here no matter what happens and you still have wealth here when the day comes because of your investment in the accumulation of your fund.

How? Let's talk 😊

Olive M. Sevilla
Your trusted Financial Advisor
[email protected]

Save and invest as early as Now!

💯 True 😊❤️

Client: Hindi ako naniniwala sa Insurance.

Me: Mr. Client may kotse ka?

Client: Yes

Me: May spare tire yung kotse?

Client: Yes

Me: Bakit ka may dala?

Client: Baka ma-flatan ako eh.

Me: Alam mo kailan ka maf-flatan?

Client: Hindi.

Me: Gusto mong ma-flatan gulong?

Client: Syempre hindi!

Me: Kapag na-flatan ka, anong mas gusto mo, may spare tire ka or wala?

Client: Syempre meron.

Me: Parang ganun lang ang insurance Mr. Client. Hindi mo pa gustong mawala. Hindi mo rin gustong magkasakit, ma-disabled, ma-aksidente at ma-confine. Pero kasi hindi natin alam kung kelan yang mga yan mangyayari. At kung sakaling mangyari ang isa sa mga yan anong mas gusto mo? Handa ka o hindi?

Client: Syempre yung handa ako.

Me: Oh halika pumirma ka dito ✍ nanggigigil ako sayo!😄🤣😆😅

Moral lesson: Dapat Insured ka tulad ng car mo

Ctto👍

Yes true 😊❤️ mas mura pag mas bata pa tayo nag sisimulang kumuha ng sariling insurance natin and dapat healthy din kasi mas madaling maapproved no medical needed , pag hindi na kasi healthy at may sakit na mas matagal maapproved and need pa ng mga medical exam ,kahit pa may pera ka if hindi kana insurable hindi kana din makakakuha.

𝗪𝗵𝗲𝗻 𝗶𝘁 𝗰𝗼𝗺𝗲𝘀 𝘁𝗼 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴, 𝗶𝘁'𝘀 𝗻𝗲𝘃𝗲𝗿 𝘁𝗼𝗼 𝗲𝗮𝗿𝗹𝘆 𝘁𝗼 𝘀𝘁𝗮𝗿𝘁 𝘀𝗮𝘃𝗶𝗻𝗴.

The more you invest and the earlier you start means your retirement savings will have that much more time and potential to grow.

By investing early and staying invested, you may be able to take advantage of compound earnings.

I’m here to help! 🙋

Ctto .

Why getting Life Insurance at a young age is Better?

Young age (25 years old)
*Lower premium
*Easy approval ( healthy)
*Longer year for investment to grow ( VUL)

Old age (50 years old )
*Higher premium
*May decline b'coz of health condition
*Limited year for investment to grow (VUL)



Ctto:📸

START securing your future and your family's future NOW 💛

One day, masasabi mo na lang BUTI NA LANG MERON AKO NITO 💛

Maganda na yung handa, dahil walang nakakaalam ng bukas!

✳️ Depende sa Needs mo
✳️ Depende sa Goal mo
✳️ Depende sa Budget mo

We have different plans that can suits your needs.
From , , , and

• Nagkasakit ka? ✔️Your insurance
• Kailangan mo ng emergency fund? ✔️Your insurance
• Pang tuition ng anak? ✔️Your investment fund
• Pang puhunan sa negosyo? ✔️Your investment
• Gusto mo mag housing loan? ✔️Your insurance
• Gusto mo mag retire ng maaga? ✔️Your insurance Hindi mo kailangan umasa sa anak mo.
• Namatay ka? Your insurance got your family.

Wala yan sa laki or liit, ang mahalaga nakapag simula ka at ang mahalaga meron ka.

FOR MORE INFO.
📩 Message me and let me help you! 😊

Congratulations to my dear client approved na yung policy mo! Thank you for the trust. Welcome to a brighter Life 🌞😊💛 i will be your partner for Life 😊💛

Lifeis brigher under the Sun 🌞😎

Securing life, Securing Family.

𝐂𝐎𝐌𝐌𝐈𝐓𝐌𝐄𝐍𝐓 𝐓𝐎 𝐄𝐗𝐂𝐄𝐋𝐋𝐄𝐍𝐂𝐄 𝐇𝐀𝐒 𝐈𝐓𝐒 𝐑𝐄𝐖𝐀𝐑𝐃𝐒

"Participants were asked to name the best brand that comes to mind in 15 major brand categories... The term “best” is defined as the brand they trust the most or has the best reputation in its category."

Sun Life was the only life insurance company to land in the Top 100.💛

Thank you to all our clients for your trust and support! We hope to continue to give the best serve that you and your loved ones deserve. 💛

I'm a proud Sun Lifer!

How important life insurance to a family?

The typical Filipino family will regard life insurance as an expense that they simply do not need.

While it is true that life insurance is an expense. But thinking of it now, it is the ONLY expense that will turn into an asset when you die, God forbid, for whatever reason.

You may imagine it, maybe, as a time deposit that maturity comes when you die.

How much would Php 1M insurance policy typically costs for a millennial? Php 24k per year may be or you may even pay it per month for only Php 2k.

Certainly, no other plans can turn your Php2k into millions.

So the question is "Do you want to leave Php 1 Million or more to your family when the time comes?"

Undoubtedly, your answer is the same as mine. Yes, of course, that's the very reason all of us are working this hard, right?

We all have the same line, "someday I will give my family a better life."

But what if, just what if, that SOMEDAY never comes?

That's when LIFE INSURANCE replaces your SOMEDAY into TODAY I will give them a better life.

☎️ Let's talk about your SOMEDAY? And how you can make your dreams come true while securing the dreams you have for your family?

CTTO

Another 𝗦𝗮𝘁𝗶𝘀𝗳𝗶𝗲𝗱 𝗖𝗹𝗶𝗲𝗻𝘁: 𝗣𝟲𝟬𝟬,𝟬𝟬𝟬 𝘁𝗼 𝗣𝟳𝟬𝟬,𝟯𝟰𝟯

Share ko lang itong policy ng kaibigan ko na naging Sun Life client ko after so many talks and discussions 😊 -conservative type kasi silang mag-asawa; nasa banks lang talaga ang pera nila at ang asawa niya ay dating hindi naniniwala sa insurance.

Fast forward, finally insured na sila ng family niya at dahil medyo conservative pa rin sila, hindi sila open sa aggressive type of investments like stocks na sila ang need mag monitor to maximize returns. They opted for Sun Life's Single Pay VULs and followed some of my advices that suits their risk appetite like Pag-ibig MP2 and digital banks for diversification.

Recently, she surrendered one of her SPVUL to purchase a property and she was very happy na ang P600,000 nila turned P700,343 in just one (1) year. P100,343 (net of surrender charge) or almost 17% gain na hindi nila tutubuin if nanatili sa bank ang pera nila 🥰 ctto

Sun StartUp

🌞Income Continuation
🌞Estate Preservation

Sun StartUp lets you enjoy these benefits:

✔️AFFORDABLE LIFE INSURANCE PLAN
Get started with a life insurance plan that protects you for 10 years. With an amount that's easy on the
pocket, you can secure your loved ones' future and ensure they can still fulfill the dreams you planned
together.

You may also add supplementary benefit or rider to provide additional protection for contingency such as
accidents.

✔️LIVING BENEFITS
In case of emergency, money comes in handy via loan against the policy's cash value. In addition, a portion
of the Face Amount may also be advanced if the life insured is diagnosed to be terminally ill.

✔️MONEY-BACK FEATURE1
With the plan's "money-back feature" you get 50% of the total premiums paid after 10 years.

For more details please feel free to send a message. 📨

Client: Meron ba kayong plan na pwede macover ang COVID pag naconfine ako?
Me: Meron po tayong Sun First Aid Plus na covered ang COVID at iba pang sakit kapag ikaw ay naconfine..
Client: Aba okay yan! Maganda nga yan hindi lang sa panahon ng COVID magagamit pati ibang sakit kasama. Kuha ako nyan! 📷
Age: 18 to 55 y/o
Sample:
MALE/ Age 30/ Non-Smoker Premium is Php 12,400/year

Tara, usap tayo! 😊

Eto yung masarap sa trabaho namin you secured Life and Family, specially this time of pandemic .😊❤️

Congratulation dear client, approved na ang policy mo 👏😌😊❤️

CONVO WITH A CLIENT 👨‍🏫

Client: Baka naman bigla nalang din magsara yang Insurance Company ninyo, pahirapan magclaim"😬😬
ME: Ano po ba ang standard ninyo ng isang STABLE COMPANY? 🤔🙄

Client: "DAPAT KILALA"
ME: Sunlife was awarded as the No.1 Insurer in the Philippines for 9 years in a row. 👌🏻💯

Client: "DAPAT MATAGAL NA SA INDUSTRIYA"
ME: Sun Life is celebrating it's 126th year here in the Philippines this 2021, mas matanda pa sa Lolo at Lola naten. 💯👌🏻

Client: "DAPAT ACCESSIBLE ANG OPISINA"
ME:Sun Life has more than 81 branches nationwide and numerous ISO offices, at syempre your trusted Financial Advisor, always at your service. 😉👌🏻💯

Client: "BAKA MAHIRAP MAG CLAIM"
ME: Sun Life has paid P4 Billions in claims and maturities last 2018.👌🏻💯

Client: "DAPAT MAPAGKAKATIWALAAN"
ME: SSS invested 3billion in mutual funds which includes Sun Life. 💛
https://www.google.com/amp/s/www.philstar.com/business/2018/07/13/1832936/sss-invests-p3-billion-domestic-mutual-funds/amp/

ME: 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 ☀️💛

Message me for inquiries 🤗☀️

Kung nag-invest ka sa Axie Infinity, then good for you. Sana ay tumaas pa ang value ng SLP nito o ang Smooth Love Potion para lahat happy!

Pero dapat meron ka rin ng isa pang SLP—Sun Life Policy. Higit pa sa investment, ito ay insurance na magbibigay ng GUARANTEED income protection para sa pamilya mo o mga mahal mo sa buhay.

Kung wala ka pang Sun Life Policy, hindi pa huli ang lahat! Talk to your trusted Financial Advisor for options. Get insured and stay invested! 👌🏻



Credit to

TRIVIA:
Variable Universal Life Insurance (VUL) or Mutual fund (MF)

Madami nagtatanung kung ano ba dapat nila unahin kung VUL daw ba or MF. Ano daw ba mas maganda?ano ba yung mas ok unahin?

Magkaibang magkaiba ang VUL at MF.

VUL is INSURANCE with INVESTMENTS while MF is pure investments.

-If you're for short term (5 years) money gain then go with MF (still not guaranteed base padin sa phil market)

-If you're expecting money gain in less than 10 years then dont go with VUL. Pero kung long term naman goal mo like retirement or more than 10 years from now. you can consider VUL.
Priority ng VUL ang insurance at bonus niya ang investment na pwede mo magamit for your retirement or education ng anak mo kung more than 10 years from now,at the same time insured ka pa.

PERO ANO BA DAPAT KONG UNAHIN?

Ganito yan,

Kung susundin natin ang financial pyramid dapat pinakabasic na meron tayo is Life/health insurance.

Bakit? Dahil life uncertainties can happen to anyone.

Scenario. mas inuna ni juan (bread winner) ang kumuha ng pure investments, life uncertainty happens to juan nagkaron ng major critical illness or worst death, ang tendency nito ay possible na withdraw nya pera niya sa investment niya para makatulong sa pagpapagamot.

What if kung may life/health insurance sana siya? possible na hindi niya nagalaw investments niya.

2. Wealth accumulation or investment

Dito na papasok ang pure investments, as long as enough ang life insurance at meron na health insurance. then go with MF para mas maximize ang gain,

Anytime pwede ka makakuha ng MF kahit nagkaron kana ng critical illness or may health issue, while VUL once naunhan ka ng health issue worst case ma decline ka na kahit willing ka magbayad ng million for your insurance,

Again: if you really want for your money to gain in short period of time (5years)then go with mf,but please if ever mag mf kayo do it regularly,wag yung makapag open lang hindi na dagdagan.

Pero kung long term ka naman then gusto mo may taga push sayo to save and gusto mo din may insurance na kasama you can consider VUL. Pareho silang not guaranteed still depends on phil market.

Know your priorities.

Get a FREE Quote NOW !

📌💛

Do it NOW... because sometimes "LATER" becomes "NEVER" ⏰
⠀
Imagine you are the provider of your family and suddenly you're not here anymore, without any LIFE INSURANCE, it is an irreplaceable loss to your family. 😞
⠀
Crisis happens to everyone... and one of the best ways to REDUCE the IMPACT of these unforeseen situations is to transfer the risk. No matter what kind of life insurance product you choose, you will be relieved knowing that the people close to you will be taken care of under unexpected circumstances. They will have time to recuperate from the tragedy. The peace of mind that comes with having life insurance in place is priceless.

Speak to a financial advisor today if you are unsure what kind of coverage you need in order to get your whole family protected for unexpected events! 🙌

💜7 REASONS TO LOVE SUN LIFE'S SUN SMARTER LIFE ELITE PESO 10 PLAN:

1. CRISIS PROOF Lifetime Guaranteed Cash Benefits
▪️Makakatanggap ka ng pera hanggang 100yrs old regardless kung anong sitwasyon ng ekonomiya

2. Earn DIVIDENDS Yearly
▪️Makakatanggap ka ng pera kapag nagdeklara ang kumpanya na merong dibidendo

3. Multi Generational Benefits
▪️Hanggang sa apo mo ay makakaranas ng benipisyo

4. Future Ready Credit
▪️Pwede ka umutang sa panahon na kaylangan mo ng pera sa maliit na interest na siguradong aprubado

5. Future MRI For Housing Loan
▪️Pwede mo gamitin kung maglo-loan ka ng bahay

6. Multi-Pupose Fund
▪️Pwde mo ipang regalo, gamiting wedding fund, kung bibili ka ng kotse, kung mag tatayo ka ng business, kung bibili ka ng property at iba pa

7. LEGACY Gift For A Lifetime
▪️Hindi makakalimutan ng pamilya mo ang pangalan mo at nagawa mo para sa kanila 💛

Nagustuhan Mo Ba? Message me directly for more queries.

SEEN. MUTED. IGNORED. UNFOLLOWED. BLOCKED.

More often than not, our persistency is seen as “KAKULITAN“ because we keep on texting, calling or sending messages asking if you want to avail an INSURANCE with INVESTMENT policy until you're not saying NO.

Instead of thinking “bebentahan na naman ako nito“ everytime we are trying to reach out, be happy because it means, INSURABLE ka pa. It means you are ALIVE, HEALTHY and ABLE. 🙏🏻🙏🏻🙏🏻

It's a race against DEATH, ILLNESS or ACCIDENT. Inuunahan namin sila.

No worries friends, hindi ko kayo susukuan! 🙈

"Hindi ko kailangan ng life insurance dahil marami akong pera/ipon sa bank."

Okay so let's say may P1M ka sa bank alam mo ba na kailangang magbayad ng 6% ang family mo as estate tax para makuha nila yun kung sakaling biglaan kang mawala.

So saan pinaka magandang kunin yung 6%? Edi sa life insurance dahil kasunod ng pagkawala mo ang pagbabayad nila ng tax. Kurot ka lang ng P5k/year sa P1M mo, sure na yung pang tax mo, sobra-sobra pa at di mo na papahirapan mag withdraw ang anak mo.

Anyway, estate tax pa lang yun ha.. eto pa yung ibang requirements.

*photonotmine

✔️Buhay OFW

"Uy pasalubong ko haaa?"
"Kailan ka magpapadala?"
"Uy yaman mo na dyan sa abroad, pautang naman."
"Bilhan mo naman ako bagong phone."
"Uy wag mo kalimutan size 8 ako ha."
Ang buhay OFW, bow.

Para sa mga kababayan sa abroad, mag ipon kayo nang hindi masayang ang pinaghirapan nyo. Ok lang tumulong sa mga kamag-anak pero tulungan nyo rin po ang sarili nyo. Magplano para sa retirement at matuto mag invest habang malakas pa at kumikita sa ibang bansa.🇵🇭❤️

START PLANNING NOW!
Get a FREE Quote Now!

Start with what you can because you know your future depends on it.

Money can help but it’s your TIME and HEALTH that can ensure your success in Investing.

***Life Insurance + Health Protection + Investment***

Plan Options:

Plan 1,500 /month
Plan 2,000/month
Plan 2,500/month
Plan 3,000/month
Plan 4,000/month
Plan 5,000/month

Let's start planning, saving, investing and protecting your future.

Message me for a free financial planning.

Get a FREE Quote now!

while you are doubting other are growing 💰💸

FORCED RETIREMENT 🛌

Ngayong may pandemic, marami sa atin ang hindi handa. Kaya marami kang ma realize sa buhay. Wala ito pagkaka iba sa sitwasyon na.

1. Bigla kang tinangal sa trabaho, no work no pay
2. Retired kana, no work no pay.
3. Bigla kang nagkasakit. No work, no pay
4. Biglang nagsara ang kompanyang tinatrabahuan mo. No work, no pay

Tapos di ka handa,

- Wala kang ipon.
- May pinagpapaaral kapa.
- May kapamilya kang kelangan ng medical attention.
- May mga utang na kelangan bayaran.
- May Pamilyang umaasa sayo.
- May pinapakain, ginagatas at dina diaper.
- May buwanang bayarin (tubig, kuryente, etc.)

At walang sustento na inaaaahan sa gobyerno. Dito mo ma realize na sana may Fallback ka,

- emergency fund
- savings
- Business
- investment
- passive income
- pensions
- profit share
- dividends

Na kahit wala ang active income mo ay mabububay ka padin at di ma apektuhan ang lifestyle mo at ng pamilya mo.

It's time to be more open minded in other opportunities. Basta makakatulong sayo at pwedeng magbigay kahit barya2ng kita sayo.

Ngayon nakita mo at na realize mo na ang hirap pala kapag umaasa ka lang sa single source of income lang.

- Hindi pala pwedeng umasa kalang sa lakas mo.
- Hindi rin pala assurance na lifetime na ang trabaho at pinagkakakitaan mo ngayon.
-Hindi mo rin pala pwede asahan sa lahat ng pagkakataon ang mga kapamilya, kaibigan, at kakilala mo.
-Hindi rin assurance na may tulong na darating sayo galing sa gobyerno.

Baguhin na natin ang nakasanayan at tanggapin na ang katotohanan.

Your SunLife Policy💛