Showing posts with label Sun Life. Show all posts

Sun Life Save and Protect

A simple and affordable life insurance and savings plan

Sun Life Save and Protect is a reliable protection and savings plan designed for goal-driven employees or professionals like you. This affordable life insurance plan helps safeguard your loved ones' future and supports your journey toward achieving your life goals.

Illustration

When it comes to planning your future, NOW is always the best time to start. To learn more about Life Insurance or if you need help with your financial plan/ goals, I will help you make it happen. Feel free to contact me.

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Are you looking for a Health Protection Plan and Solution for Grandpa and Grandma?

Credited to Atty. K

In 2016, Sun Life introduced a New Generation Wellness Product called SUN Fit and Well, with the wellness program GoWell as its prevention piece. This comprehensive solution has shifted the mindset of many Filipinos towards typical critical illness insurance, as the product addresses health protection needs while they go through the key stages of a health journey: Prevention, Diagnosis, Treatment and Rehabilitation. I will discuss more on this in another post since SUN Fit and Well caters mostly to the needs of a younger generation. A year after its launch, Sun Life found the need to look at an underserved market segment – The Filipino Senior Citizens – and decided to address their health protection needs as well.

I am so excited that TODAY, October 8, 2018, Sun Life is launching SUN Senior Care – a health and wellness solution for Filipino Grandpa and Grandma.

SUN Senior Care is a participating, limited-pay, whole life critical illness (CI) plan that provides a combined benefit of savings and comprehensive health protection even at a late stage in life, covering you during your golden years until age 100.

This critical illness (CI) insurance product accumulates cash values and earns dividends while providing protection from 17 covered advanced-age critical illness conditions and an additional benefit for any one of the four (4) surgeries/conditions that commonly happen to Grandpa and Grandma. It helps protect your hard-earned savings even if a serious illness strikes, as it is specifically designed for you to address your evolving life and health protection needs so you can enjoy a well-deserved retirement.

SUN Senior Care Launched in October 2018

HEALTH AND LIFE PROTECTION

SUN Senior Care has you covered across key stages of your health journey.

 Prevention – You can be part of GoWell, a Sun Life wellness community that offers easy access to a wealth of information, nutrition and health experts, fitness activities and events, and other available preventive care programs to help you live a healthier life.

 Diagnosis, Treatment and Rehabilitation2 – SUN Senior Care provides a lump sum financial benefit equal to 150% of the Face Amount in case you are diagnosed with any of the covered 17 common advanced-age critical illness conditions. In addition, a one-time Special Benefit equal to 5% of the Face Amount will also be given to help replace funds you spent for any of the four (4) specific covered surgeries or conditions. These benefits aim to help you get through the financial pains caused by such conditions, addressing your needs to support expenses related to diagnostic investigations, treatment and/or rehabilitation.

SUN Senior Care also secures your loved ones future while you are in the best of health. Assuming no critical illness benefit has been paid, it guarantees you LIFE INSURANCE PROTECTION equal to 150% of the Face Amount throughout your lifetime.

SAVINGS

 Limited-Pay Level Premiums – SUN Senior Care offers a platform to manageably save for your heath protection needs through its guaranteed limited-pay premiums which do not increase even as you grow older. You may choose to pay for 3, 5 or 10 years, whichever is more convenient for you.

 Living Benefits – With SUN Senior Care, your policy earns non-guaranteed dividends which you may leave with Sun Life to accumulate, or get in cash. In case of emergency, money also comes in handy as your policy’s cash value is available for a policy loan.

Please note that the benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.

SOME PRODUCT SPECIFICATIONS

Minimum Face Amount: Php 300,000

Maximum Face Amount: Php 10,000,000 assuming there is no existing CI plan from Sun Life.

For the list of covered illnesses and more details, contact me now.

After decades of you caring for everyone else around you, let us help you live healthier and more secure lives and get the best care for your best years. ♥

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Sun Life - Piggy Bank

Contact details,
✆ Mobile Number (Globe) +63.9178359547

✆ Viber, WhatsApp, Messenger +63.9178359547
✆ Landline +63.2.4045829
☺ G.Talk julietco
☺ Skype juls_07

☺ Messenger https://m.me/juliet.co

✉ E-Mail julietco@gmail.com

Sun Life - BREAK THE CYCLE

When it comes to planning your future, NOW is always the best time to start. To learn more about Life insurance or if you need help with your financial plan/ goals, I will help you make it happen. Feel free to contact me.

Contact details,
✆ Globe +63.9178359547
✆ Landline +63.2.4045829
✉ E-Mail julietco@gmail.com
☺ YM juls_07@yahoo.com
☺ G.Talk julietco
☺ Skype juls_07

Sun Life - "Break Free"

Sun Life - Upgrade today or Upgrade for the future?

A brighter future with Sun Life's Health and Accident insurance

A quick guide for securing your family and finances before disaster strikes

Four important steps to help you prepare for disasters

A quick guide for securing your family and finances before disaster strikes

When disaster strikes, there are countless ways to ensure your family’s safety. But one often-overlooked aspect is having enough finances for the aftermath.

During a natural disaster, we rescue as much as we can: our family, pets, and precious assets. But when it’s over, what happens if you have no resources for rehabilitation? How do you go back to your normal life?

The common scenario is that most households are not financially prepared for an emergency. According to the Study on Lifestyles, Attitudes and Relationships conducted by Sun Life Financial, 45% of Filipinos are still dependent on their relatives. The first option is often to borrow in times of distress. However, this will not always be a good fallback, especially if your relatives need to allocate their resources for their own needs.

Family emergencies do not just refer to natural disasters – they can be events such as sudden illnesses, roadside accidents, and even death. All of these can easily wipe out your savings.

Take definite steps to avoid money meltdowns. Include a financial plan in your preparations for worst-case scenarios.

Step 1: Manage your risk

Being prepared for disaster isn’t just about small choices – it’s also about big lifestyle decisions. In the long run, they add up to savings – and a higher chance of getting better disaster coverage.

There’s no such thing as being 100% “risk-free” but every proactive measure helps:

- Have regular health check-ups for you and your family

- Cut back on vices like smoking or heavy drinking, which can increase your risk for diseases like cancer

- Move or avoid living in disaster-prone areas, such as riverside properties or steep slopes

- If your job requires you to do activities such as field work or travelling, ask if they provide short-term insurance

Step 2: Know the cost of catastrophes

The Philippines is one of the most disaster-prone countries in the world. In 2011, disasters cost our country over P26 billion. In 2012, we ranked second in Asia for number of disasters reported that year. This is your day-to-day reality, and it’s costly to boot.

Disasters can harm both life and property. Among other things, be prepared to spend for the following:

- Hospital bills

- Medicines and continuing care

- Property repair costs

- Replenishment of supplies

- Death expenses

According to financial advisors, the rule of thumb is to have a definite emergency fund. Savings of at least three to six times of your monthly household earnings should be left untouched for emergency situations.

Step 3: Fortify your finances

Your emergency fund will tide you over for immediate needs like food, transportation, or principal medical care. But what about the long-term costs, like therapy or rebuilding a home?

The simple solution: get insurance. Think of it as your first line of defense against emergencies. If you feel that it is a waste of money, consider the following all-too common scenarios:

- Without insurance to manage your risks, you’ll have to shell out bigger sums, and possibly end up in debt.

- HMO cards, Pag-Ibig, and Philhealth will not cover long-term expenses.

- Recuperating or caring for a sick family member can prevent you from working.

- Disasters will affect the operations and facilities of your business

- Physical assets like jewelry can be taken away in a single fire or flashflood.

Here are the common insurance types that you should have:

Features Coverage Annual Premium*

Health
Up to P1M for:

- Diagnosis of critical illness

- Hospital confinement

- Surgery

P7,720-P18,000

(depends on type of coverage, whether for critical illness, or hospital income)

Life
Up to P300,000 for:

- Death due to natural causes,illness, or accident

P10,040

Property
Up to P2M for:

- Damages to residential property and/or contents caused by fire

Up to P788,000 for:

- Damage to motor vehicles caused by theft or acts of nature

P4,425

P24,000

Accident
Up to P1M for:

- Dismemberment, disability, or death due to accident

P16,755

Based on rates provided by a Sun Life Financial advisor for a non-smoking 25 year-old male

Think of insurance as one of your strongholds. Disasters can ruin your business, or render you unfit to work. Insurance covers for the damages. If it is a plan coupled with mutual funds, it also earns passively through investment.

Step 4: Protect your financial records

Aside from assembling emergency and first aid kits, your insurance and bank documents should also be safe but readily accessible at all times. You will need them for withdrawing money or collecting coverage. All family members should also know where to find them.

Here are some tips:

- Secure important documents (insurance contracts, bank statements, IDs) in a sealable plastic envelope or waterproof case.

- Keep photocopies of your documents in the car.

- Create a property inventory (useful for filing insurance claims). A simple way to do it would be to use your camera phone and record a walking video in each room. Photos would also be OK.

- Make the most out of technology. Upload scans and images to a cloud drive, and don’t forget to set a password.

Start for tomorrow

Creating a disaster-proof financial plan takes as much legwork as physical preparedness. But in the long run, it will not only save you some cash, it will also give you piece of mind -- secure with the knowledge that you can provide care for your family, no matter what tomorrow brings. – Rappler.com

For more tips on how to achieve brighter finances, family life, and health & wellness,*
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Features	Coverage	Annual Premium*
Health	Up to P1M for: - Diagnosis of critical illness - Hospital confinement - Surgery	P7,720-P18,000 (depends on type of coverage, whether for critical illness, or hospital income)
Life	Up to P300,000 for: - Death due to natural causes,illness, or accident	P10,040
Property	Up to P2M for: - Damages to residential property and/or contents caused by fire Up to P788,000 for: - Damage to motor vehicles caused by theft or acts of nature	P4,425 P24,000
Accident	Up to P1M for: - Dismemberment, disability, or death due to accident	P16,755
*Based on rates provided by a Sun Life Financial advisor for a non-smoking 25 year-old male

Simple lingo for Life insurance

Life insurance lingo

A life insurance policy will ensure your family is well taken cared of if something were to happen to you. Before availing of one, familiarize yourself with these terms

Insurance addresses the gap between the money you have and the money you need in case of unfortunate events like illnesses, accidents or calamities. (READ: Four important steps to help you prepare for disasters)

It’s a wise investment that will help protect your wealth and health while you are alive.

But how about your family? Who will protect them if something were to happen to you? This is where life insurance comes in.

A life insurance policy will ensure your family is well taken cared of. Some life insurance policies offer not only death benefit, but also investment features.

Before availing of one, familiarize yourself with common insurance terms through this infographic. – Rappler.com

For more tips on how to achieve brighter finances, family life and health and wellness,

✆ Globe +63.9178359547
✆ Landline +63.2.4045829
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Important numbers to remember in case of emergencies - July 2014

Interviews: Financial Advice for My 20-Year-Old Self

Money in My 20s: The No.1 Financial Advice for My 20-Year-Old Self

Mark So (@monsterpips), Co-Founder of Businessmaker Academy (Businessmaker-Academy.com)

So advices us the way to attaining wealth is by… NOT prioritizing it.

Tell me if you can relate, you work 20 hours a day running after more money, dead tired every day and you haven’t moved any closer to your goal since 2002. Do you want to know why?

Because you are prioritizing the wrong thing.

There are 4 important life aspects for everyone, these are Money, Health, Relationships, and Time. But unlike what most people think, prioritizing making money first isn’t always the best way to start your wealth journey. In fact this is probably what is holding you back right now.

The key to financial freedom is proper “sequencing” of your life aspects

So if I was talking to my 20 year old self, with the benefit of looking back at my life and seeing the mistakes I made along the way. I would say that the optimal sequence would be to prioritize relationships then health, then money, then time.

Here’s why:

Relationships – Everybody has something of value, I learned (and continue to learn) this from my wife. Prioritize keeping communication channels open and continue connecting and networking with people. Prioritize building relationships as they will be crucial in your pursuit of wealth.

Health – A fit body and mind equates to faster and better decisions when it comes to building wealth. The activities and tasks you can accomplish in a day increase exponentially if you are healthy and falls drastically when you are not in tip top shape. It is common to sacrifice your health when you start getting more involved in your career, business or investments, you start exercising less and sitting down more, your life becomes sedentary and before you know it you start moving and thinking as fast as molasses. If I had one regret, that I could fix, it would be to not sacrifice my health for the pursuit of wealth.

Money – When you do the first 2 aspects properly, money will inevitably find you as it comes from great health and relationships.

Time – Finally, True wealth gives you more time, and ultimate freedom. But it is an inevitable trade off between pursuing wealth and having to sacrifice a lot of it in the beginning.
When you start out in life, you have lots of time on your hands, when you get a little older and responsibilities pile up, you will have less and less of it. And as I said, most people sacrifice this valuable commodity (together with health) in the pursuit of more money in the beginning. But as you get wealthier, the more time you should keep for yourself and your family. If you find yourself always short on time, especially for yourself and your family then its time to prioritize this aspect now.

Sun MaxiLink Dollar One

Sun MaxiLink One - Extended (Lowest Single Premium - 250k)

* No medical needed; Open to age until 70 years old.

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Sun First Aid Plus

The strains of today’s financial crisis coupled with the grind of everyday living make us take our wellbeing for granted. In the process, our lifestyle deteriorates and puts our ability to generate income in jeopardy. This poses the fear of an insecure and unstable future not only for one’s self but also for one’s family.

Now more than ever, we need to be prepared for the possibility of falling ill and shouldering the medical costs that come with treatment. In fact, a recent survey by Sun Life confirms that health has always been the major concern of most Filipinos. However, nearly everyone is unprepared to shoulder the steep hospital bills and costly prescriptions, with 95% saying they would rely on personal savings to finance treatment cost while 53% would borrow funds from relatives. This in turn eats into the ability to create or maintain financial security.

Access to a dependable and affordable healthcare product is essential for Filipinos to augment out-of-pocket expenditures due to hospitalization. This is what Sun Life wants to accomplish with Sun First Aid, the reliable protection from income loss caused by being sick.

Payable for a period of 10 years, Sun First Aid costs from as little as P556 per month, or less than P19 a day. With Sun First Aid, three important aspects of personal healthcare are covered: hospitalization, protection and a money back option of all payments made at the end of 10th year whether you get hospitalized or not.

Hospitalization benefits ensures that income is still coming in, which can supplement the money or the savings one has to use while in treatment:

DAILY HOSPITAL INCOME - income from the date the Insured is hospitalized
LONG TERM HOSPITAL INCOME - additional income if hospitalization exceeds 30 days
INTENSIVE CARE UNIT INCOME - additional income in case of confinement in the ICU
SURGICAL BENEFIT - reimbursement of surgical expenses

Protection benefits have life insurance coverage, accident coverage, and a total disability benefit where premiums are waived when the insured becomes totally and permanently disabled. Another augmentation feature of Sun First Aid is its money back option of all payments made where 50% to 75% of annual premiums paid can be redeemed at the end of the policy whether claims have been made or not.

"Your health is your wealth. Sun First Aid makes sure that you have money even while you’re recovering from hospitalization. You can either put the money you will receive in your savings or use it to lessen the cost of hospitalization," explains SLFP president and chief executive officer Henry Joseph Herrera.

For more information, visit the Sun First Aid website.

Contact details,
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Sun MaxiLink Dollar One

Sun MaxiLink Dollar One is a dollar-denominated, investment-linked life insurance product that lets you boost the value of your dollars by investing into global funds. With NO UPFRONT CHARGES, your dollars are fully invested to achieve the best possible returns while you enjoy financial security and peace of mind with its life insurance coverage*.

With Sun MaxiLink Dollar One, you can reap rewards when you keep your policy active for at least ten (10) years. Starting at the end of the 10th policy anniversary and every five (5) years thereafter, you may receive a Loyalty Bonus** that is currently equal to 2% of the average monthly fund balance of the preceding 5 years.

What’s more, application is hassle-free with its Guaranteed Issue Offer, subject to applicable limits and conditions.

**Life insurance coverage shall be equivalent to 125% of the single premium, less 125% of withdrawals made, until age 88. For policies issued under the guaranteed issue offer, the death benefit shall be limited to the fund value plus insurance charges paid in case of the insured’s untimely demise within two (2) years after the policy issue date, except if death is due to accident.

**Loyalty Bonus is not guaranteed and shall depend on the actual performance of the fund.

Note: The benefits are subject to the specific guidelines set by the company and the actual provisions of the insurance policy contract.

Contact details:
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Sun Life Advisors

This is what Sun Life Advisors can do for you.

Contact details,
✆ Mobile Number (Globe) +63.9178359547
✆ Viber, WhatsApp, Messenger +63.9178359547
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Sun Acceler8

Unleash the Dragon within you through the power of Sun Acceler8.

Sun Life Financial–Philippines kicks off the Year of the Dragon with Sun Acceler8, a unique product that will help the company’s clients awaken the positive side of this powerful creature within themselves.

A first-of-its kind in the market, the features of the product draw inspiration from the number “8” which is usually associated with prosperity and wealth. It is just fitting that Sun Life is introducing this product this Year of the Dragon which is also considered to be the most auspicious year in the Chinese calendar.

Sun Acceler8 is a protection and savings plan that provides guaranteed cash benefits at specific periods throughout the duration of the policy plus a lump sum maturity benefit at the end of 20 years. It can be fully paid in 8 years, and the guaranteed cash benefits are made available starting at the end of the 8th year and every two years thereafter until maturity.

What also makes this product unique is that both the insurance coverage and the guaranteed cash benefits accelerate over time, addressing potential loss of value of one’s money brought about by inflation.

The guaranteed cash benefits start at 8% based on the chosen Face Amount of the plan, increasing by two percent of the Face Amount every two years until maturity, up to a maximum of twenty percent of the Face Amount. Likewise, the amount of insurance protection starts at one hundred percent of the Face Amount and increases by sixteen percent annually until the 8th year where it reaches the maximum insurance coverage of 228% of the Face Amount.

Sun Life compares the benefits of Sun Acceler8 with the positive characteristics of a Dragon. These creatures are known to be bearers of good fortune, loyalty, energy and vibrancy, generosity, promptness and decisiveness. In the same manner, Sun Acceler8 provides guaranteed cash benefits to help one secure a bright future; life insurance coverage that can give one peace of mind; benefits that increase over time; opportunity for more earnings through the non-guaranteed special bonus and dividends; and the flexibility to pay within a guaranteed paying period.

Contact details:

✆ Globe +63.917.8359547

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☺ YM juls_07@yahoo.com

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Sun Dollar Maximizer

Sun Life gives you a limited opportunity to seize the upside of global investments

Sun Life Financial-Philippines, the country’s first and longest-standing insurance company, recently launched the second offering of Sun Dollar Maximizer, a limited-offer protection and investment product that gives its clients the opportunity to enjoy potential earnings from a diversified mix of high-growth assets and capital protection.

This new product, dubbed as Sun Dollar Maximizer (US-China-Gold/Bond) or Sun Dollar Maximizer (UCG), is a single-pay, US-dollar denominated, principal-protected investment-linked insurance product that matures after seven years. The premiums paid are invested in a pre-defined group of assets that allows an individual to take advantage of the potential recovery of the US market, the high-growth rate of China, the increasing value of Gold, and the safety offered by US Treasuries – all in just one product!

“We’re giving Filipinos a viable investment option for their dollar holdings. The US currency has depreciated by more than 20% over the last seven years. This product allows them to put their dollars in an instrument that would yield earnings which can potentially keep up with the depreciation rate, plus provide some upside,” shares Riza Mantaring, President and CEO of Sun Life Financial-Philippines.

“This was the rationale why we launched Sun Dollar Maximizer last year. The product became a huge success despite the limited offer period that both our advisors and clients have been asking when we would re-launch the product. We decided to open a second offering but this time using a different set of underlying assets which we believe may show stronger potential for future growth,” continued Mantaring.

Aside from the life insurance protection that one enjoys for the entire duration of the policy, one unique advantage of Sun Dollar Maximizer (UCG) is the use of a “Best of Profile, Look-Back” investment strategy. This allows the policy owners to participate in the earnings of the asset profile with the highest average quarterly performance at the end of the seven-year period.

When it comes to planning your future, NOW is always the best time to start. To learn more about Life insurance or if you need help with your financial plan/ goals, I will help you make it happen. Feel free to contact me.

Contact details:
✆ Globe +63.917.8359547
✆ Landline +63.2.4045829
✉ E-Mail julietco@gmail.com
☺ YM juls_07@yahoo.com
☺ G.Talk julietco
☺ Skype juls_07
☑ Facebook http://www.facebook.com/mulan.consulting

✨Insurance for Life, Health and Wealth Transfer✨

Labels

Sun Life Save and Protect

Sun Life Save and Protect

Illustration

Are you looking for a Health Protection Plan and Solution for Grandpa and Grandma?

Credited to Atty. K

Sun Life - Piggy Bank

Sun Life - BREAK THE CYCLE

Sun Life - "Break Free"

Sun Life - Upgrade today or Upgrade for the future?

A brighter future with Sun Life's Health and Accident insurance

A quick guide for securing your family and finances before disaster strikes

Simple lingo for Life insurance

Life insurance lingo

Important numbers to remember in case of emergencies - July 2014

Interviews: Financial Advice for My 20-Year-Old Self

Money in My 20s: The No.1 Financial Advice for My 20-Year-Old Self

Sun MaxiLink Dollar One

Sun First Aid Plus

Sun First Aid Plus

Sun MaxiLink Dollar One

Sun Life Advisors

This is what Sun Life Advisors can do for you.

Sun Acceler8

Sun Dollar Maximizer

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