SUNLIFE

[MeganDa]

Hello haba ng backread ko this thread is very helpful
Question po: yung VUL po after ng term lets say 10yrs pwede na magstop?
Self paying na po yun? Magkano mababawas sa fund value?

[summersunder]

i will start with 2M insurance. Flexilink yung akin then 60K a year.
I hope everything will turn out well

[jubeken2005]

Hello haba ng backread ko this thread is very helpful
Question po: yung VUL po after ng term lets say 10yrs pwede na magstop?
Self paying na po yun? Magkano mababawas sa fund value?

Hi sis! Pwedeng 10 years lang ang premium payment mo. Pwedeng magstop ka na dun pero syempre kung gusto mo makakuha ng malaking Fund Value pwede mo naman ituloy-tuloy Very minimal lang naman ang charges kaya I'm sure hindi naman ganon kalaki ang mababawas sa Fund Value mo  

[PetiksPinayInvestor]

Glad to have stumbled in here

My Mom is 63 yrs old. It took about 2 months for her Flexilink plan to be approved. Thank you Sun Life. Pang estate tax man lang, malaking bagay na yun. Atsaka di ko talaga expected na ma insure siya kasi senior na pero since good health pa, na approve naman. Strict talaga ang Sun Life. Pero pag na approve naman, peace of mind din

Kay Dad Flexilink din. He's 61. Approval is underway.

Kay sisters, puro Flexilink.

I think the main factors are Critical Illness Benefit coverages and affordability

Tapos I have them invest sa COL Financial (stock market) on the side. Kasi yun naman ay pang investments.

May COL investments na ako kaya ang kukunin ko on top of my other insurance policies ay Flexilink just for the CIB rider.

Pashare naman ng products ng Sunlife na meron kayo (Individual Insurance/VUL/MF) and purpose  kung bakit yun ang napili niyo 

[bluish_mommy]

who has Sunlife insurance here with Mutual Fund na kasama?

[mameejhy]

^You meant vul?

[MeganDa]

Mas ok ba ang flexilink kunin rather than Sun Assure kung ang habol ay critical illness coverage? Price wise magkano kaya difference? Thinking of getting my parents too, nasa magkano kaya monthly for 53 and 55?

[PetiksPinayInvestor]

^ Sis, approach your financial advisor and ask that you take an FNA or Financial Risk Analysis

Taking it will help you find answers such as what is your priority financial goal, and how much really is your need

ang pananaw ko kasi jan, dapat alam mo muna ano ang dahilan bakit ka kukuha ng insurance product and fit nga ba siya as solution to your financial goal / need.

Pag alam mo na, saka ka "mag shopping" sa product.

Kung nagawa mo na pala and difference na lang sa price ang hinihingi mo, mukhang kailangan mo ng 1-on-1 session.

Hagilapin mo advisor mo

[Chrischeliahxine]

Bakit hindi mo tanongin agent mo?
Kung hindi ka naniniwala sa sagot nya, maghanap
ka na ng iba. Mahirap yan.


May monthly payments, mpa VUL or yung traditional
insurance. Sa traditional insurance, mas malaki ang
bayad kung mas frequent ang iyong payments.
Ibig sabihin, mas malaki ang bayad mo pag monthly,
tas quarterly, tas semi annual. Walang dagdag pag
annual.

Sa VUL pwede kang mag top-up.

Hi sorry ngayon ko lang ulit nabasa. Ang sabi niya wala daw talaga monthly payment ang sunlife. Quarterly at annual lang daw kaya tuloy postponed muna yung application ko kasi mas inuuna ko sa budget ko yung panganganak ko muna. Bf kasi yun ng friend ko kaya medyo nahihiya din ako magtanong ng magtanong sa kanya.

[sweet angel]

Me additinal payment/charges ba kapag sa abroad ang iinsure? Ofw kami, kumuha akong maxilink tapos nagemail yung agent na add daw ng rate dahil sa work of place.  :-(

[PetiksPinayInvestor]

^ Hi Sis,

Merong tinatawag na Underwriting Guidelines.

2 lang ang alam kong cause kaya may rating:

1) Based on Occupation

Example, kung stunt actor ang profession mo, hindi ka insurable (for obvious reasons).
Another example, If say Seaman ka there is a certain position na may rating instead of Standard (no rating)

2) Based on country of occupation

Example, if you work in China, may rating.

Meron naman Declined. Possible reason is kasi sa bansang yun ay walang Sun Life accredited Doctor or Hospital in case of emergencies, in case anything happens.

Clarify with your Agent bakit ka may rating: was it due to the country of employment? Or was it due to profession?

Hope this helps.
 

[sweet angel]

^due to our place of work daw

Kung sa pinas na ulit magwork, sure ba na tatanggalin na yung additional rate na yun? Sabin ni agentpede daw magrequest pagchange of place o bumalik na sa pinas

[PetiksPinayInvestor]

^ Yes. If sa Pinas ulit mag work, mawawala ang rating if it is due to place of work.

Provided also na hindi rated ang profession

Meron ding rule si Sun Life Philippines na bawal magpapirma ng client na wala sa Pinas. Dapat within Philippines lang ang signing of application.

[buldit]

hi mga sis!

would you know if may level term si sunlife na good for 15 or 20 years? yung safer life kasi every 5 years lang yung amount then adjust ulit. i was wondering if merong fixed amount for a longer term. medyo maliit lang ang budget eh, around 5k per year pa lang ang kaya ko. thanks in advance!

[Chrischeliahxine]

Hi! Sorry sa mga nag pm hindi pa kasi ako allowed na mag reply.

Sabi ni hubby pag uwi na lang daw niya pag uusapan namin yung about sa sunlife. Ofw kasi siya and since nag apply kame ng home loan sa bank need din pala ng insurance pwede daw ang kunin namin is sa sunlife. Pag uwi niya at hindi pa din ako malinawan dun sa agent na bf ng friend ko open ako na mag hanap ng ibang agent na maeexplain niya talaga sa amin. Twice ko kasi siyang tinanung na mas prefer ko ang monthly payment kesa sa quarterly pero wala daw talaga quarterly payment ang sunlife which is nakaka confused since sabi ng ibang sissies dito eh meron monthly payment. Or depende sa location?

[starbitee]

I decided last January to get the Sun Maxilink Prime VUL.
Why? Because it's a life insurance and a portion of your premium gets invested in different funds which can generate earnings for you. It's payable for 10 years and thereafter, you can use the earnings of your fund to pay for the succeeding charges. 

[blackgreen]

^sis how much siya annually? Paano payment terms? I am planning to get an insurance by first quarter of 2015. I am trying to familiarize myself first kung ano ano features ng mga insurance.

[fionaapple]

^sis how much siya annually? Paano payment terms? I am planning to get an insurance by first quarter of 2015. I am trying to familiarize myself first kung ano ano features ng mga insurance.

I also have Sunlife Maxilink Prime. sis ang premium depende pa rin sa age mo, at maraming iba pang factors. mine is around 27k per year with a face amount of 500k--insurance benefit is 1M. malapit na ako mag-1 year sa Feb. so far ang price per unit niya naglalaro sa 2.8 to 3.6 ok naman for me, kasi ang 4.0 ay mejo optimistic na since nasa balanced fund ako. pero maybe i might change it to equity pag mas marami na ipon...

[blackgreen]

^sis if you don't mind telling me how old are you? or PM me na lang. Ang budget ko kasi for insurance is 2k to 3k per month. So ganyan lang kaya ko i-shell out for insurance.

[fionaapple]

^pm sent!