SUNLIFE

[Lianne@TheWiseLiving]

@Lianne@TheWiseLiving annual na Maxilink Prime. If advance magbayad, how will Sunlife know na pang top up or premium? Via BPI online kasi ako magbabayad. And ano advantage if advance magbayad?

If may ibang memebers here na alam ang sagot sa question ko, please reply na rin.

Thanks!

Hi sis.

For example, annual premium mo for Jan 2013 to Jan 2014 is P30,000, and you already deposited P30,000 nung Jan 2013, any amount excess of P30,000 until Jan 2014 is considered your top-up. Your top-up is subject to 5% premium charge.

Personally, I'd suggest na you deposit on time sa first few years and then do top-up after 10 years (if you got Sun Maxilink Prime.). This way, you won't be confused na about the charges scheme.

^ginawa ko to last year. Advanced my payment kasi bagsak stock market so gusto ko ma-take advantage so that maraming mabiling stock market units kasi nga mababa presyo.

Ang consequence nito is an admin fee or charge na 5% nung premium mo. Eh...I compared yung charge vs dun sa possible na kikitain nung VUL ko, eh mas okay lang sa akin bayaran na lang yun charge kesa naman masayang na mababa presyo ng mga stocks.

Hi sis. How were you able to compute yung possibleng kikitain ng VUL mo?

[ayami]

meron na silang invitation para sa annual meeting this June 20. ano ba usually ang meron dun?

yan din tinanong ko deadma mga tao dito

[mameejhy]

meron na silang invitation para sa annual meeting this June 20. ano ba usually ang meron dun?

Annual meeting ng Sunlife policy holders? Are you referring to FAMI meeting?

[ayami]

Annual meeting ng Sunlife policy holders? Are you referring to FAMI meeting?

FAMI ba yun? Ewan. Basta yung ganto http://www.picresize.com/images/rsz_1rsz_photo_6-15-14_6_22_06_pm.jpg

[pinkaboo]

@Lianne@TheWiseLiving, I based it on how my plan was doing at that time...I think naka-10% gain siya last year. So I modestly pegged it at about 6-8% growth na lang, if ever. eh the 5% charge naman is so much lower dun sa more or less 6-8% na kikitain nung plan within the span of time considering the prices of stocks then. So parang bawing bawi pa din ako. Kaya go lang sa pag-top up for us nun.

Naisip ko din, If I waited out to pay ng 2014 (due ko is March every yr)...nasasayang yung time plus the low prices previously na dapat sana naka-ride on yun plan ko.

[yanmae]

Question lang po regarding sunlife smarter life elite, yung endowment diba upto age 100 ibibigay, yun po bang naipon na cash value let say natapos ko ng bayadan yung 10 years yung cash value po ba ehh hindi magagalaw yun? at insured parin po ba yung policy holder kahit na  tapos ng bayadan yung 10 years? Malapit ko na kasing ma convince si hubby na kumuha nitong policy na ito. Tama po ba aside sa endowment. yung binayad mong premiums ehh yun ang nagiging cash value mo or withrawable money in case biglaang nagkaroon ka ng pangangailangan sa pera or loanable amount? Sana po may sumagot. TIA

[mameejhy]

IMO, endowment is the most expensive type of insurance plan.

[cheezecake]

^depende sa plan mo may mga plans kasi na life insurance talaga nilagyan lang ng endowment para maging attractive and may mga endowment plans talaga meaning to say kapag nakuha mo yung lump sum it's the end.

[pinkaboo]

Mga sis, question lang, ano ba benefit ng may endowment life insurance. Actually, meron din kasi ako nito (bukod sa VUL ko with Sunlife). And matagal ko na siya binabayaran. Tapos may cash guarantee siya every two years. So aside from this, anong benefit ba nito?

[babythug28]

Annual meeting ng Sunlife policy holders? Are you referring to FAMI meeting?

no sis. hindi ko alam kung kelan meeting ng FAMI pero i'm already withdrawing my mutual fund sa kanila. i've never been to any of their annual meetings kasi laging late na dumating yung invitation.

yung sunlife, shempre different company, different annual meeting. sa Dusit Thani hotel daw gaganapin and hindi na ko nakapag RSVP so next year na lang siguro hehe. wala din kasi akong idea kung anong mapapala ko dun since info about our mutual fund can be found online naman di ba?

[mameejhy]

FAMI ba yun? Ewan. Basta yung ganto http://www.picresize.com/images/rsz_1rsz_photo_6-15-14_6_22_06_pm.jpg

Walang lumabas sa link...

no sis. hindi ko alam kung kelan meeting ng FAMI pero i'm already withdrawing my mutual fund sa kanila. i've never been to any of their annual meetings kasi laging late na dumating yung invitation.

yung sunlife, shempre different company, different annual meeting. sa Dusit Thani hotel daw gaganapin and hindi na ko nakapag RSVP so next year na lang siguro hehe. wala din kasi akong idea kung anong mapapala ko dun since info about our mutual fund can be found online naman di ba?

FAMI performs better than Sunlife...

Kung aattend ka ng annual meeting at least makikilala mo kung sino naghahandle ng mutual funds mo saka makakapag voice out ka ng opinion mo...

[babythug28]

^ ah yun lang ba sis? sige next time i'll try.

yung FAMI namin unfortunately parang hindi kami satisfied. for 2 years kahit malaki na nalagay namin, wala pang 10k ang inangat yung equity kinuha namin dun same with sunlife MF. mas nagustuhan ni hubby yung performance ng sunlife on our part.

[pinkaboo]

^same here. I'm happy sa performance ng Sunlife ko compared sa friends ko na nag-FAMI. Maski bagsak yun market last yr, okay pa din inangat nung MF ko.

[mxherr5]

The funny thing is, back before the crash of 2008,
FAMI was a star performer.
And even during the crash of 2008, it endured.

And just look at the numbers.

Sunlife's Equity Fund started in 2000.
NAV is at 3.8

Whereas FAMI started in 2005, a whole
5 years behind Sunlife and yet its NAV
is at 5.18.

If you had invested with FAMI you'd be
ahead by 36% compared to someone
who invested with Sunlife and that's
even after investing 5 years later.

But recently, FAMI's performance hasn't
been as a good. Maybe the fund manager
who initially guided FAMI to such heights
is no longer there.

[snix]

Ano kaya magandang insurance for me na 24 y/o tapos 5 years to pay lang lol.. And kung may mabigay kayo na agent ng sunlife please

[babythug28]

^ i can recommend mine sis. his name is Garry de Castro. just PM him on his FB page if you want. https://www.facebook.com/garrydc?fref=ts&ref=br_tf

pero i think meron tayong GT'ers na sunlife agents din =)

[minaco_aino]

Sissies, sabi ng agent na kausap ko, dapat daw kumuha muna ako ng VUL before getting Mutual Fund. Tama ba yun? Kasi sinabi ko sa kanya na parang MF na lang kukunin ko.

[ikaela]

^No, hindi tama yun. Wala ka naman "dapat" gawin. Nasa sayo yan kung ano gusto mo kunin. Pwede insurance muna bago investment. Pwede the other way around, and pwede din sabay. Kanya-kanyang strategy.

Kung ikaw yung tipong marunong at disiplinado mag-save, mag-separate insurance and investment (mutual fund kung gusto mo) ka. Protected ka na at masmalaki ang returns.

Kung ikaw naman yung tipong kailangang pwersahing mag-ipon o nakakalimutan mag-ipon, baka mas-okay sayo mag-VUL na lang.

[airish_2]

nope depende sayo yun sa goal mo.

[Ma.Jewel_1987]

Nagsend ako ng inquiry sa sunlife wala namng response, I wanted to open sana vul with them