Financial Guardian PH

Worth the read! 💯

It always pays to be prepared 💯

Dito napunta yung natipid ko dahil sa mga insurance.

Doctor adviced me to walk around… so we went shopping. 😂

What was meant to be around 1.3m dropped to 700k then 300k.

In the end, because of my insurance policies, medical insurance, and HMOs, I only had to pay P107,000 for my hospital bills!

And because I already prepared around 300k from my emergency funds, inisip ko…

Gamitin ko na rin. Bibili ako ng iMac.

So I did. 😅

Thanks to my younger self for getting insurance policies when I didn’t need them yet! Because she did, I’m able to enjoy my money for things I actually want.

Now, I will turn this iMac into an asset. I always try to get the money I spent by using the item I bought as an asset that can give me more money.

Paulit ulit na, napaka basic, but this is what you need to know:

✅ Your emergency funds are separate savings. You use this for emergencies: mga bagay na hindi mo inaasahan. Ibig sabihin, ang sakit, hindi yan emergency. Dahil dapat may insurance ka para jan. However, if your policies cannot cover everything because of terms and other constrictions, emergency funds mo ang tutulong sayo.

✅ You get insurance when you’re not sick yet. Hindi nila iaapprove if may pre-existing condition ka na. This is why I still had to pay 107,000 because a part of my health problem had to do with a pre-existing condition. Ibig sabihin: hindi pwedeng kung kelan ka may sakit dun ka na bibili kasi di ka na makakakuha.

✅ Get insurance while you’re still young and healthy. Other than mas mataas yung likelihood na ma-approve ka, mas mura pa. As you get older (and become riskier as a client), your insurance becomes more expensive.

Ayern, contact your financial advisors if you wanna know more. You can also send a message here and my assistant can help you.

Or join the discussion in Nomad Finance Girls and Guys! 💕

This year’s valentine’s season, I was reminded of one of the best characteristics of love—𝒊𝒕 𝒑𝒆𝒓𝒔𝒆𝒗𝒆𝒓𝒆𝒔. It endures and goes beyond time, circumstances, and even life.

“It [Love] always protects, always trusts, always hopes, always perseveres.” 1 Corinthians 13:7

This is the reason why life insurance policies are also called your “love letters” to your loved ones.

📌 It will take care of your loved ones in your absence—making your love conquer time and life itself. It is a tangible extension of your love. I think that’s beautiful. 🥰

Happy love month, dear friends! 🌹

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Let us help you immortalize your love with the right tool!

♥️ FA Angel Espiritu
💌 [email protected]

Today, we get to celebrate all kinds of love there is.

May your cup continue to overflow with love that you may live life to the fullest!

Happy Valentine’s Day, dear friends! 🌹

♥️ Angel

May we all choose to live intentionally. One baby step at a time. 💛

We all heard of rich families whose life stories are from rags to riches. This is because what makes wealthy people rich is not just money, but mostly, their financial intelligence.

One of the things the financially intelligent people invest in is insurance. Insurance helps them minimize risks in case of unwanted events such as sickness, accidents, disabilities and death.

Let me show you a concrete example of how insurance works:

Jane Doe, a 25-year old non-smoker female pays 𝟑𝟎,𝟎𝟎𝟎 pesos a year in a span of 10 years for her 𝐒𝐮𝐧 𝐌𝐚𝐱𝐢𝐥𝐢𝐧𝐤 𝐏𝐫𝐢𝐦𝐞 policy. With this product she paid for only 10 yeas, she is covered until 𝟖𝟖 𝐲𝐞𝐚𝐫𝐬 𝐨𝐥𝐝.

📌 In case of death, her loved ones will get 𝟏,𝟎𝟎𝟎,𝟎𝟎𝟎 pesos guaranteed amount plus her investment fund value.
📌 In case she got diagnosed with a critical illness (i.e. stroke, cancer, acute heart attack, etc.), she will get 𝟏,𝟎𝟎𝟎,𝟎𝟎𝟎 pesos guaranteed amount to pay for her bills.
📌 In case of accidental death, disabilities or dismemberment, she will also get 𝟓𝟎𝟎,𝟎𝟎𝟎 pesos guaranteed amount.

The best part is, this life insurance product has also an 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭 𝐟𝐮𝐧𝐝 that she can use for her life’s milestones. This means, Jane has a portion of her 30,000 pesos that goes straight to her investment fund. She can withdraw money from her fund for whatever purpose she intends (e.g. retirement, downpayment for a property, or even pay for her child’s education).

You see, the money you pay for insurance is just a fraction of its benefits.

Message us for a free financial check-up and advise!

💛 FA Angel
📧 [email protected]

Most people delay getting an insurance because they think, “I do not need it now.”

But then again, no one knows when sickness, death, and accident/s will happen.

- If you are still young and plan to get married or have a family in the future, get yours now because it is cheaper when you're younger and healthy.
- If you have a family and/or a breadwinner, get yours so your loved ones is taken care of in the event that you can no longer provide for them.
- If you would like to leave a certain amount of legacy to your young ones, the right insurance plan may also help you with that.

Remember, you 𝗰𝗮𝗻𝗻𝗼𝘁 buy insurance when you 𝙣𝙚𝙚𝙙 it. You 𝗺𝘂𝘀𝘁 buy it 𝙗𝙚𝙛𝙤𝙧𝙚 you need it.

There are actually a LOT of insurance products to choose from. We can curate one for you based on your own preferences (i.e. goals, budget).

Talk to us today!

💛 FA Angel Espiritu
📧 [email protected]

Happy ☀️ day, indeed!

It’s rare when young clients like Engr. Paras are the first ones to approach us regarding investing on a life insurance policy. No sales pitch needed, just pure sharing of one’s goals and how to attain each of them. Indeed, he is a perfect example that our age group is becoming more financially aware and responsible! As his friend and financial advisor, I can’t help but be proud of how much he’s grown in his financial journey.

Welcome to a brighter life, Engr.! Thank you for lending me your full trust and confidence. 💛

If you’re also interested, feel free to send us a message! We can do a 100% virtual process to keep you safe.

DM us or email: [email protected]

Stay safe and healthy, dear friends!

💛 FA Angel Espiritu

2021 — I lost a a lot this year, but I gained so much more. What a year of grace and favor it has been!

A new year tells us that here’s another set of days where we can live and pursue our God-given dreams. So go ahead, plan and pray!

Claiming that this year you will conquer, succeed, and grow! Rooting for you all, my dear friends!

Thank You Lord for carrying us through! On to the next!

Happy new year!!! 🤍💜

Unto us a child is born

As cliché as this verse goes especially during Christmas, I personally think that this is one of the most powerful verses in the Bible.

It tells us that Jesus was not only born to Mary and Joseph, He was most importantly born “unto us"—the spiritually bankrupt, the lost and broken, the lonely and sick.

If Jesus was a regular child, the verse would have read “unto Mary and Joseph a child was born.” But, Jesus was not born unto Joseph and Mary. He is the was born 𝙪𝙣𝙩𝙤 𝙪𝙨—unto YOU. So that we may be saved, and that we may enjoy the peace and joy that comes in knowing Him.

To the many of us that feel like Christmas is darker than it was before, may this season remind that you are loved and that the Lord is here to save you from whatever pain, darkness, loneliness, sickness, chaos you are into. He has come for you! 🙂

Love and light to each of you, my dear friends. Happy Christmas! ✨

💛 Angel Espiritu

Just like beauty, the definition of ‘𝘄𝗲𝗮𝗹𝘁𝗵𝘆’ is 𝗶𝗻 𝘁𝗵𝗲 𝗲𝘆𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗯𝗲𝗵𝗼𝗹𝗱𝗲𝗿.

That’s why it comes to finances, this phrase is true:

“The grass is always greener where you water it.”

You’re the only one who can truly say that you’re wealthy. This is why to earn and keep a lot of money is not the goal. Money is just a resource—a vehicle that will help you reach your personal goals.

Now the question is, how do you water your finances? What measures do you take to be a good steward of it?

Need tips and suggestions? Talk to a financial advisor today. DM us 💛

💌: [email protected]
📲: 0915-315-6506

We understand that it’s not easy to ask questions and we wanted to help you out! If you wanted to ask:

“What’s in your Sun Life plan?”

Here’s a glimpse of some of Sun Life’s plans! See each photo and caption 😉

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If you’re interested to learn more, send us a dm!

💌: [email protected]
📲: 0915-315-6506

☀️ Bright Monday! ☀️

As we start a new week of working towards our personal and financial goals, here are four financial habits that might help!

(Read the caption in each photo 😉)

Oftentimes, what holds you back is not because of the lack of technical information, but more of the lack of self-confidence.

So here’s a quick reminder for you today: We all have tremendous potential and we all are blessed with gifts.

Go! Work on that thing you’ve been praying for!

The world is waiting for you to succeed! 💛

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If you like more tips & ideas such as this, please feel free to invite your friends, like and follow our page. 💛

For more information, get in touch!

💌: [email protected]
📲: www.facebook.com/helloFGP

Most people are focused too much on money that they often forget their greatest wealth, which is their education.

In reality, it’s not how much money you make that will make you wealthy. But what you do with the money you make. How would you know what to do with your money? Financial education is the key.

So, go ahead and invest on yourself! Now’s the best time to start on your financial literacy journey. 💛

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If you like more tips & ideas such as this, please feel free to invite your friends, like and follow our page. 💛

For more information, get in touch!

💌: [email protected]
📲: Financial Guardian PH ()