SUNLIFE

[miranee]

^mxherr5 thank you for taking time to explain, appreciated    actually, mas naintindihan ko pa explantion mo kesa sa explanation ng agent ko when i called her. she wasnt able to give me kasi the percentage ng periodic charge. though she explained naman na yung COI increases every year pero minimal lang daw. ayan, matatahimik nako

[mxherr5]

Whoa? Di nga? Wow.. I'd look for another agent or
baka baguhan lang [textspeak!]? hehe

Yeah, COI increases very slowly from age 0-50
pero from age 50 onward it increases EXPONENTIALLY.

I don't know what kind of proposal your agent gave you
but mine had the charges illustrated. I know that's
not always the case because my other policy's proposal
doesn't have the illustrated charges.

If your's doesn't then you can request for the COI rate
from your agent or I guess I could email it to you.

I plan to lower down the face amount when I'm older
so the COI wouldn't eat up the fund value.

[zachary]

Hello I'll get a Sun MaxiLink Prime  mas okay daw ito sabi nung agent na nakausap ko. Will sign the contract on October 2 Ganon ba talaga... yung agent, siya yung  pupunta to get the payment? 

[babythug28]

^sis pwedeng ganun basta bigyan ka lang nya ng temporary receipt ng company. ang ginawa kasi namin ni hubby, pinuntahan namin yung agent sa Makati office nila since first time din namin makipag transact. dun na din kami nagbayad sa office, the same day.

pero ngayong kilala na namin yung agent and 3 na sa family members ko yung kumuha ng mutual fund sa kanya, willing na sya and kaming papuntahin dito sa bahay pag mag open na dad ko ng mutual fund this october.

[zachary]

Ah ganun pala talga.  Kasi yung office mate ko pinupuntahan naman niya para kunin yung bayad.  Naisip ko lang kasi wala bang thru paypal or bank or sa mismong sunlife office? Kasi pwede pa nila gamitin yung money sa iba ? wala lang naisip ko lang. 
Sinabi niya din sa akin na pwede daw ako mag refer may points daw kasi yun ?

[babythug28]

^ panong points sis? points for him or for you?

[zachary]

for me daw? Di na masyado na explain.. pag balik niya ask ko. So okay lang talaga sa kanila mag bayad? Mga ilang weeks mag a appear sa account ko yung payment ko ?

[babythug28]

^ ok lang sis. sure ka naman na ata na agent siya ng sunlife eh di ko lang sure kung gano kabilis mag appear sa account yun. kasi after namin pumirma, after a week ata namin nakuha yung policy tapos the same day nag apply ako ng online account sa sunlife, ayun reflected na yung unang bayad namin.

[sis.cattleya]

hi mga sis. puwede po through online yung payment.sa bank, enroll nyo lang po sa bpi yung account and meron na po dun na sunlife na pay bills. ang ginawa ko sa payment ko, semiannually para di masyado hassle. pero puwede po online, tapos machecheck niyo rin po online kung pumasok ang payment and imemail din po yun sa inyo.   

[missreese]

maganda po ba ang mutual fund ng sunlife? i'm thinking kasi kung FAMI or Sunlife ang kukunin ko.

[babythug28]

^[textspeak!] FAMI ko sis lugi pa ko 2k, mataas kasi namin shang nabili (4.52 ang NAVPS) and hanggang ngayon hindi pa namin nababawi. as for our sunlife, medyo malaki na kinita namin since we started investing this January. yung iba malaki na kinita sa FAMI kasi mababa yung NAVPS nung nag invest sila.

[zachary]

Sure naman ako na Agent siya. @Cattleya nice pwede pala. Mas maganda kasi pag online na para di hassle. Thanks Thanks.

[tartyjud]

Hi, kindly help me please? Im looking for a retirement plan that can give me 30k or
50,000 MONTHLY PENSION at AGE 50, whichever is available.

 I am only 27. thank you very much

[leelou]

regarding payment ng premium, pwede auto debit or online payment (BDO, BPI, etc). kay hubby, naka-monthly auto-debit sya with BPI tas yun saken naman na annual, i pay thru BPI expressonline.

[gorgeouschef]

hi mga sis, ask ko lang din, after your initial payment w/ the agent, [textspeak!] yung time frame na sinabe niya kung kelan niyo marereceive yung policy?

[sis.cattleya]

yung mutual fund ko, na-imail sa bahay namin after 1 week. yung policy ko after 3 weeks. maximum na siguro 1 month.depende kasi, iniinvestigate pa talaga kasi yung medical history if di kayo minedical.

[whitebishop]

sunlife is a good product only if the agents are as concerned about their client's financial wellness as much as they are concerned with their commission.... madalas kasi makapag benta lang maski alam nilang pababa ang fund value... kailangan talaga mas vigilant ang customers

[mxherr5]

And why would that be a bad thing?
Unless maybe they're selling a single pay VUL.

But even so, how can you really say that "pababa"
ang NAV? I've been monitoring Sunlife's NAV and the PSEi
as well since late 2007, the peak just before the market crash.

Its very hard to determine if the NAV would continue to go
down or suddenly shoot up.

During the recovery year of 2009, it was mirred by sporadic
downturns, its only now, looking back that you can say that oh yeah,
2009 was an up year for the market. There were a couple of times when
it looked like the market was going to loose all of its gains.

[aka_formality]

Mga sis pa-help naman, gusto kong magpacancel ng sunlife VUL ko. Actually, I have no intention talaga of signing the contract nahiya lang ako sa agent kasi classmate ko siya para tulong na lang din. Pero when I realized na mahihirapan talaga ako magbayad, after first payment ko ng 12,500 (quarterly) last year November sinabihan ko agent ko at nagwrite ako ng letter of cancellation para mairefund ang binayad ko pero di nila tinanggap....mag-iisang taon na this november ulit pero wala pa din feedback, sabi may income daw ang sunlife early this year pero wala naman result sa cancellation ko. Kinakain tuloy ng admin charges pera ko. Need your advise mga sis.

[mhy_pie03]

^I'll try to ask my bf about this kasi sunlife financial advisor siya pero bakit sobrang laki naman ng premium mo? Di mo po ba nacompute kung keribels ng budget mo? Kami ang premium namin is nasa 24k annual na pero malaki na rin ang lump sum pati coverage. Kaya nga sabi ko sa ibang posts ko, look for an agent na tutulong talaga sa inyo hindi dahil lang para makabenta kasi sayang pag hindi na-continue dahil lang sa hindi kayo naaalagaan. Bukod doon siyempre negative image sa company. I'll try my best to give you a feedback on that.