Victoria Riotoc, Licensed Financial Advisor

Make it as “KATAS NG 13TH MONTH PAY” and say “𝗙𝗶𝗻𝗮𝗹𝗹𝘆, 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗻𝗮 𝗯𝗮𝗴𝗼 𝗺𝗮𝗴 𝟮𝟬𝟮𝟯!”

Sabi ni client, bakit di mo ko inaalok, bakit di mo ko pinilit. Di ko alam na naggaganyan ka pala. 😅🙈

Simple lang naman ang sagot dyan.

𝗔𝗻𝗴 𝗽𝗮𝗴𝗸𝘂𝗵𝗮 𝗻𝗴 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘆 𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹 𝗰𝗵𝗼𝗶𝗰𝗲!

Kahit gano kaganda ang insurance plan na ipakita ko sayo, kung hindi ka interesado, lalabas lang sa kabilang tenga ang pinaliwanag ko.

Kung hindi kasama sa priority mo ang pagkuha ng insurance, kahit mura lang ang premium payment parang ang expensive nun para sayo.

Kung hindi ka pa ready pag handaan ang future mo, hindi ka rin magkakaron ng time para makinig sa FREE financial planning na offer ko.

Sa totoo lang, gusto ko lahat ng friends ko ay kumuha rin ng insurance. 💛

Pero hindi kita pwedeng pilitin.

Hindi kita pwedeng i-guilt trip.

Hindi kita pwedeng takutin sa negative effects ng SAD (sickness, accident, and death) events sa buhay.

At the end of the day, 𝗜𝗞𝗔𝗪 𝗔𝗡𝗚 𝗠𝗔𝗚𝗗𝗘𝗗𝗘𝗖𝗜𝗗𝗘 𝗞𝗨𝗠𝗨𝗛𝗔 𝗡𝗚 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗣𝗔𝗥𝗔 𝗦𝗔𝗬𝗢 𝗔𝗧 𝗦𝗔 𝗟𝗢𝗩𝗘𝗗 𝗢𝗡𝗘𝗦 𝗠𝗢 ☺️☀️

𝗣𝗮𝗴 𝗵𝗮𝗻𝗱𝗮 𝗸𝗮 𝗻𝗮 𝗮𝘁 𝗽𝘄𝗲𝗱𝗲 𝗽𝗮, 𝗱𝗶𝘁𝗼 𝗹𝗮𝗻𝗴 𝗻𝗮𝗺𝗮𝗻 𝗮𝗸𝗼 𝗽𝗮𝗿𝗮 𝘁𝘂𝗹𝘂𝗻𝗴𝗮𝗻 𝗸𝗮 𝗸𝘂𝗺𝘂𝗵𝗮 𝗻𝗴 𝗦𝘂𝗻𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗺𝗼☀️

Ctto.

You want to save up for your child's education but are a bit hesitant to invest in the stock market?

SUN SMARTER LIFE ELITE

Why Sun Smarter Life Elite?

1) Sun Smarter Life Elite is perfect for babies as it helps parents save up for their child's education through GUARANTEED INCOME in the form of ENDOWMENT.

Endowment is 8% of the face amount (coverage) and it starts at the 6th policy year and every other year onwards - FOR LIFE. In this example, 8% of 1M is 80,000.

2) Sun Smarter Life Elite is also DOUBLE the face amount (or coverage).

If you choose to keep this policy for your child until he gets older as an adult, he and his family will benefit from this coverage. In this case the coverage is 1M (total death benefit is 2M).

3) Sun Smarter Life Elite also has a supplemental cash benefit in the form of DIVIDENDS. They can also be left to accumulate for future use.

4) Sun Smarter Life Elite is only payable in 5 or 10 years, but coverage and endowment is UNTIL AGE 100.

So if you decide not to use the endowment for your child at age 18 (education), the policy can be kept until age 100 (with the endowment steadily increasing in value) so he could have GUARANTEED INCOME FOR LIFE. 🙂

Note: Adults can also benefit from Sun Smarter Life Elite - to let endowment accumulate for retirement and as additional income in our senior years! 🙂

If you wish to know more about this, feel free to send me a message so we can discuss the right plan for you and your family. 🙂

Sa mga daddies and mommies jan, mag avail na ng Sun Smarter Life Elite para sa mga kiddos...

Ano yang Sun Smarter Life Elite?

Life Insurance benefit worth twice of the face amount of the plan, coverage until age 100.

With lifetime guaranteed cash benefits, starting at the end of the 6th year of the plan and every two years afterwards. You may opt to leave your cash benefits with Sun Life to accumulate and be available for future needs.

Also, it earns dividends which you may use to increase your insurance coverage, pay for future premiums, leave with Sun Life to accumulate or receive in cash.

To all parents, please make this one of your priorities for your kids. ☀️

Message me to know more. 😊

This is what your ‘Teka lang muna’ or 'next year na' costs you.
Yes!!! Only a year later but had a huge difference for your retirement fund.

Reach out to a financial advisor. We can customize a plan that suits your priorities and budget.

Message me to know more. 😉

pctto

Malapit ka nang mawala sa kalendaryo...
Wala ka pang Life Insurance, savings at investment.

Saklap naman besh!

Plano mo na bang simulan, tara pag usapan natin.

Send me a message, glad to help you.

photo: ctto

Make a BRIGHT choice TODAY 🤔☀️💛

Maaaring okay ka ngayon.
Maaaring okay pati ang pamilya mo.

Maaaring nakakakain ka ng tatlong beses o higit pa sa isang araw ngayon.
Maaaring nakakatulog ka ng mahimbing sa malambot mong k**a sa loob na bahay mo ngayon.

Maaaring hindi mo problema ang pagcocommute dahil may sasakyan ka naman ngayon.
Maaaring nakakapag-aral ang mga anak mo at napapabaunan mo pa sila ngayon.

Maaaring may tubig, kuryente at mabilis na internet kayo na nagagamit ngayon.
Maaaring nakakapagcheck-out ka pa sa Shoppee at Lazada kada buwan ngayon.

Maaaring naeenjoy mo pa ang iyong mga gadgets o bagong bag o sapatos.
Maaaring nakakapagbigay ka pa sa mga magulang mo, asawa o sa mga anak mo ngayon.

Maaaring naeenjoy mo ang iyong kinikita ngayon.
Pero lahat yan, maaaring mawala din ng isang iglap kapag nadapuan ka ng malubhang masakit nang hindi ka handa.

Insurance fees are based sa age, meaning the older you get, the higher the premiums. Get health insurance while you're still YOUNG AND HEALTHY.😍

ctto

𝐒𝐔𝐍 𝐅𝐈𝐓 𝐀𝐍𝐃 𝐖𝐄𝐋𝐋
𝐂𝐎𝐌𝐏𝐑𝐄𝐇𝐄𝐍𝐒𝐈𝐕𝐄 𝐇𝐄𝐀𝐋𝐓𝐇 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐏𝐋𝐀𝐍

✅ 1. 𝗦𝗣𝗘𝗖𝗜𝗔𝗟 𝗔𝗖𝗖𝗘𝗦𝗦 𝗧𝗢 𝗪𝗘𝗟𝗟𝗡𝗘𝗦𝗦
🧘‍♂️⛹️‍♂️🚴‍♀️🏊‍♂️💆‍♀️
Once you avail SUN Fit and Well life insurance, you are automatically a GoWell GOLD member. GoWell is a wellness advocacy program of Sun Life where you can receive health and wellness contents, invites to community workouts, receive perks and privileges, and have the opportunity to meet like-minded individuals who also promote healthy living.

✅2. 𝗖𝗢𝗠𝗣𝗥𝗘𝗛𝗘𝗡𝗦𝗜𝗩𝗘 𝗖𝗥𝗜𝗧𝗜𝗖𝗔𝗟 𝗜𝗟𝗟𝗡𝗘𝗦𝗦
𝗕𝗘𝗡𝗘𝗙𝗜𝗧
🚑🏨💊🏩🌡🔬🏥
SUN Fit and Well health insurance provide coverage from 64 Major Critical Illnesses, 34 Minor Critical Illnesses and 16 Specific Cancer for a total of 114 critical illnesses. Specific Cancer Booster benefit gives an additional 50% of the Face Amount to the insured in the case of diagnosis of specific cancer-related illness.

✅3. 𝗛𝗢𝗦𝗣𝗜𝗧𝗔𝗟𝗜𝗭𝗔𝗧𝗜𝗢𝗡 𝗕𝗘𝗡𝗘𝗙𝗜𝗧*
🏨🛏🛌🏩
In case of diagnosis from the critical illnesses, you can claim 0.125% of the Face Amount for Hospital Income Benefit (HIB) which will be multiplied by the number of days you’ve been confined. You also get a fixed amount of Post Hospitalization Benefit to be used for follow up check-ups.

✅ 4. 𝗛𝗢𝗠𝗘 𝗥𝗘𝗖𝗢𝗩𝗘𝗥𝗬 𝗕𝗘𝗡𝗘𝗙𝗜𝗧*
👨‍⚕️🏠🏡🙏♿️
This is an additional fund that you can claim upon discharge which is equivalent to 50% of HIB multiplied also by the number of days you’ve been confined.
In the case of worst scenario where insured became terminally ill having a life expectancy of 6 months or less, a Palliative Care Benefit of 10% of the Face Amount will be given additionally to the insured. It is somehow a way of relieving the pain and stress caused by the illness.

✅ 5. 𝗟𝗜𝗙𝗘 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗢𝗩𝗘𝗥𝗔𝗚𝗘
🤝👨‍👩‍👧‍👦💰🗂💵
SUN Fit and Well insurance also provide a guaranteed life insurance coverage until age 100 in case no major critical illness claim has been made from the plan. It will be equivalent to the original face amount plus cash benefits, less minor critical illness claims if there’s any.

✅ 6. 𝗚𝗨𝗔𝗥𝗔𝗡𝗧𝗘𝗘𝗗 𝗖𝗔𝗦𝗛 𝗕𝗘𝗡𝗘𝗙𝗜𝗧
📊📈💸💵🎯
For eight consecutive years starting at age 65, you have the option to get 5% of the original Face Amount in advance which serves as your guaranteed steady income during retirement*.
Aside from that, Special Paid Up Bonuses**at the end of premium paying period and Annual Dividend earnings** are available for withdrawal anytime. You also have the option to just leave it with Sun Life to accumulate.

✅ 7. 𝗟𝗜𝗠𝗜𝗧𝗘𝗗 𝗣𝗔𝗬𝗜𝗡𝗚 𝗣𝗘𝗥𝗜𝗢𝗗
⏱⏳🕰⏰⏳
Unlike any other plans that you need to pay for the plan forever, with SUN Fit and Well insurance, you only have to pay it for a limited period of time. You have the option to pay for it in:
* 10 years
* 15 years
* 20 years

Be responsible with your financial security against life odds. Take action today.💯
Message me to know more!

𝐭𝐡𝐞 𝐁𝐄𝐒𝐓 𝐓𝐈𝐌𝐄 𝐭𝐨 𝐛𝐞 𝐢𝐧𝐬𝐮𝐫𝐞𝐝☀️

We create a personalized financial plan for you.

🚑 Emergency Fund
☂️ Income Protection
🎓 Educational Fund
💵 Saving for Milestones
🛡️ Health Protection
🏖️ Retirement Fund
🏠 Estate Transfer Fund

Message me today for a FREE Consultation.

As a Financial Advisor, all i want is to make all my family and friends secured and insured when SAD (Sickness, Accident & Death) strikes. Thank you kabsat... I was able to instill to you the importance of having an insurance. It's for your family. While you're young, healthy and have the opportunity to work, mahirap malayo sa family mo kaya ganun ako ka-eager. Don't you worry, nasa No. 1 Insurance company ka. Dapat sa sigurado!

Congratulation Marg's 👏🥳. Honored to be your Financial Advisor. Thank you 🙏 for trusting me and for choosing Sun Life, your partner for life 💛🙂

As an OFW, until when will you be working back and forth? Protect your income while it lasts.

Send me a message and see multiple options to protect you, your family and your income thru our Sun Life Insurance And Investment.

Kudos to the loving and responsible parents of naning K👏👏👏, they prioritize the safety, security and future of their daughter.

Again, Congratulations 👏🥳. This is your 2nd policy and still honored to be your Financial Advisor. Thank you 🙏 for trusting me and for choosing Sun Life, your partner for life 💛🙂

Do you have the same mindset towards financial literacy as my client? Message me and let's discuss how Sun Life can help you achieve your financial goals in life.