SunLife Licensed Financial Advisor By MICH Licuanan

THIS IS REALITY‼️

☑️ INSURANCE is one of Life’s NECESSITIES that’s ironically difficult to sell – until COVID-19. All of a sudden, businesses and occupations that are thought to be secured are now suffering (tourism, manufacturing, aviation, importation/exportation, fashion, agriculture, etc.).

🚫Employees that heavily relied on company-provided insurance now appreciate the value of having their Personal Insurance policies in the midst of layoffs and business closures.

⚠️After all, WHEN DID IT HURT ANYONE TO HAVE A SAFETY NET?

Be safe. Be secured. BE MORE. ☀️

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👩🏻‍💻 Mich Licuanan
Sun Life Financial Advisor

My Dear Clients,

☑️Just a kind reminder on how to pay your Sun Life Policy in the comfort of your own home. 💛

⁣⁣⁣== 𝐖𝐡𝐲 𝐈𝐬 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐒𝐨 𝐈𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭? ==⠀⠀
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1. Life insurance protects your future potential income⠀⠀
2. Life insurance protects your family from all the liabilities that might be there that you need to take care of⠀⠀
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It is important to safeguard our family in the event of any unforeseen happenings such as death. We have to ask ourselves some tough questions concerning our family. If I were to die, would they be able to continue to live comfortably? Life insurance is there to give you and your family a peace of mind, knowing that they will be protected if something happens to you.⠀⠀
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I have recorded a video few days ago on why it is important to have life insurance. ⠀
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🎬 Watch it here: https://www.facebook.com/sanjay.financialadvisor/videos/140878760310663/⠀⠀
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👨‍👩‍👧‍👦 Together let's make financial planning easier and happier for everyone - Dr. Sanjay Tolani

MUST READ❗️❗️❗️

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.

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 😊

☀️APPLICATION for Life Insurance.

Yes, it is an APPLICATION.
Just like applying for a visa, you can either be APPROVED or NOT.

One of the major reasons for DECLINED applications is HEALTH/MEDICAL CONDITIONS.

Kaya, Apply na!!! While you are young and healthy. Start saving today! 😎

And this is also the main reason why your ADVISORS are soooo "makulit" in following up for your "YES" for an appointment.. 😂

Simply because, we know the value of your HEALTH and TIME. You should be, too 🥰

It’s never too late to start. Better do something today than nothing at all. Asking or inquiring is free of charge, no strings attached ☺️

Take your 1st step to a ☀️

I’m here to help you and be your



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Be insured! Protect your finances and prepare for your goals. Be secured. 💛




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Policy Delivery.💛💛💛

Thank you for being our valued clients and for trusting me as your financial advisor.

👌

📌Do you want to secure a million peso by the time you reach your retirement age? Here's one way how.

☀️If you will invest 2000 pesos/month,you could already have a life insurance for whatever may happen and your money could also grow up to a million and more depending on the performance of your investment.

💛A two-in-one product called VUL provides you an insurance and an investment.

📌Do you want to secure a million peso by the time you reach your retirement age? Here's one way how.

☀️If you will invest 2000 pesos/month,you could already have a life insurance for whatever may happen and your money could also grow up to a million and more depending on the performance of your investment.

💛A two-in-one product called VUL provides you an insurance and an investment.

For inquiries:
📱0917-823-8185
📧[email protected]
👩🏻Or you may PM me

⚠️ DON'T WAIT UNTIL IT'S TOO LATE. ✅ Consider this:

1. Turning P1,000 into P1,003 is called a BANK.2. Turning P1,000 into P1,300 is called an INVESTMENT. 3. Turning P1,000 into P100,000 is called an INSURANCE… More PLAN.

💡A person, no matter how capable he is in his lifetime, cannot avoid two things, — sickness 💊 or death.⚰️

🛌 When a person is bedridden:
1. A gift of P2,000 could be from FRIENDS. 2. A gift of P20,000 could be from RELATIVES.
3. A gift of P200,000 could be from PARENTS or SIBLINGS. 4. A gift of 2M OR MORE could be from INSURANCE.

💛 Get insured NOW, while you still can. Comment HOW so i can help you achieve your financial goals.

Mich Licuanan
Licensed Financial Advisor
0917-823-8185

Based on a true story:😢😢😢

Scenario: CAR ACCIDENT

Passengers of the said vehicle :
> Parents (Mother and Father) >Children ( 5 year old son and 2 year old daugther)

Father died while mother survived but critical and stayed in the hospital for almost 2 months.

Children survived with minor injuries.

Father : No insurance (Bread Winner)
Mother: No insurance (Plain House Wife) Children :No insurance/ No educational plan CAR : INSURED (still under mortgage)

The questions are:

1. Who will shoulder for the funeral expenses of the father?

2. Who will shoulder for the hospital bills of the mother?

3. Who will give income to the family knowing the bread winner died?

4. Could kids still continue living the life they used to live ?

5. Could kids still continue go to school?

These are some of the things we do not realize first. Mas protected pa ang kotse kaysa sa pamilya or mga mahal sa buhay. Will the car save the family’s future? Of course NO!. Can the car pay for the hospital bills and education of the children? NO!

Learn to do the math and start having financial planning. Huwag ibuhos lahat sa material na bagay. Wala nang mas mahalaga pa sa mundo kaysa sa buhay at kinabukasan ng mga mahal mo sa buhay.

Protection should come first before investment. It’s sad knowing this family’s story. If only the parents were informed enough. 😢 Too late I was not able to talk to them before hand.😢💔

Only Life insurance can create wealth overnight at the time you need it the most. No investment can give you say, 2M by just paying 4-5k a month but life insurance can do that.

If you want both ( Insurance and Investment) have VUL . VUL is a Life insurance with investment component. If you will be taken out of the picture too soon, you have life insurance to save your family and if you will live too long you have retirement fund to continue living and enjoying life after you retire.

Have it now while you do not need it yet. Because the moment you need it you can never have it.

Send us message today for free financial planning tips/session. ☀️

ctto

Mich Licuanan
Licensed Financial Advisor

Pm is the 🔑

What is VUL?🤔
This is one of the most common questions that we receive.

Please send me a message and contact us so we can set an appointment for a Financial Planning Session. This is road to your financial confidence.💛💛

Mich Licuanan
Licensed Financial Advisor
0917-823-8185

Welcome to a Brighter Life!

His mom bought him an early Christmas gift. Another life has been saved. Thank you ate Michiko Licuanan and Martin Hugo Soon for trusting Sunlife and me as your financial advisor. 😃🎄💛

Life insurance secures your family's future and frees them from financial worries. 💛

Welcome to a Brighter Life Sir 😊

Client has no idea about life insurance with investment and health protection & wala pa din kasing nagooffer sknya and akala din niya ok na yung Insurance niya sa MRI. So he decided to get the VUL for his retirement and health protection. 💰🏥

Yehey! Thank you for choosing me as your Financial Advisor! 😊

Happy Monday💛💛💛