SUNLIFE 2

[rasee16]

^top-up lang yun. Dagdag sa investment part.

[michi247]

Nakakuha na rin ko ng Maxiprime for my son. Inoofferan ako ng Sunfit and Well Plus pero not sure kung worth it ba. Meron ba may plan ng Sunfit dito?

[rollin]

hi. ano po iyong nakalagay sa polci na ANNUAL EXCESS PREMIUM(to be billed regularly)...
meaning iba din yung binabayaran mo plus [textspeak!] annual excess na regularly?

so sis, di kami sisingilin dun? thank u.

[rollin]

mga sis, or FA dito. question lang.  iyong ka officemate ko gusto nya kasi mag invest worth 100k. e diba minimum is 250k ata sa sun life? he is now 58yrs old.. ano pwede nyoni offer sa kanya? ayaw din kasi nya yung may monthly binabayaran eh. parang ang gusto nya gaya sa banko, wala syang binabayran na monthly

[rasee16]

^One time payment na investment? O insurance? Para saan daw ba? Mahirap mag-advise dito eh. Dapat yung client mismo ang makausap para madiscuss ng maayos.

[rasee16]

Yung tungkol sa annual excess premium na nabanggit mo, sa'yo narin nanggaling (to be billed regularly). So ganun na nga mangyayari dun.

[rasee16]

@michi sun fit and well is a comprehensive health and wellness insurance. Mas mahal sya compared sa VUL pero sa dami naman kasi ng benefits nun, I can understand why.

Sa tanong mo na is it worth it, well depende sa client yan. Depende sa priorities, budget, age bracket at iba iba pang circumstances na kailangan iconsider. Pwede kasing maganda yung product mismo, pero hindi naman kayang bayaran ng client consistently dahil di keri ng budget so ang ending lapse lang din. Ibig sabihin hindi match yun sa needs nya.

Wala naman kasing one size fits all na product kaya nga napaka wide ng products ni Sunlife. Ang advisor na ang tutulong sayo kung ano yung product solutions na tutugma sa needs mo.

[rollin]

^Hi. opo, one time investment sya. kung may insurance, ok din lang daw po. basta wala syang iniisip na monthly.
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[rasee16]

I'll pm you my number sis. Sabihin mo usap nalang kami wala namang bayad.

[michi247]

^ ang taas nga ng bayad compared sa maxiprime. Not sure kung mas mura yung Sunfit and Well.

[bluish_mommy]

hi. ano po iyong nakalagay sa polci na ANNUAL EXCESS PREMIUM(to be billed regularly)...
meaning iba din yung binabayaran mo plus [textspeak!] annual excess na regularly?

may charge ang top-up normally from 4% to 5% depends on the  Insurance. sa Sunlife 5% ang alam ko. If you are sure to save a certain amount every year, might as well idagdag mo na lang yan sa regular premium mo annually kesa mag-top up, mababawasan pa kasi sayang lang.

ang top-up optional yan, kapag may extra money ka lang na gusto mo ilagay sa investment mo ang tawag dun top-up.

[gwyne21]

Nakakuha na rin ko ng Maxiprime for my son. Inoofferan ako ng Sunfit and Well Plus pero not sure kung worth it ba. Meron ba may plan ng Sunfit dito?

Hi sis.. we availed 2 sunfit and well, one for me and one for my baby. I availed this kasi ang hinahanap ko talaga is comprehensive health insurance. based on the products offered to me (VUL with riders etc) and based on our needs, ito yung fit para sa amin.
I can say reasonable naman yung premium amount. Ikaw din naman kasi nakakaalam kung magkano ang kaya mong premium. I agree with one sis here na nagsabi na depende talaga yan sa needs mo. 

[loidyloids]

Hi mga sis, tanong ko lang kung may educational plan ba ang Sunlife?

[rasee16]

^sis kung parang CAP ang hanap mo, wala. Pero merong pwedeng product solutions for educational purposes depende sa budget/age mo/age ng child mo and other factors.

[geraldita03]

hello everyone! i want to have my insurance with Sunlife sana. Pinagpipilian ko, Manulife, Sunlife and Philam life. But first choice ko Sunlife. I am 25 years old and I just want to start na sana. Ano po ba maganda policy for my age? Yung di po sana mahal monthly. Like 1000 to 1500 lang po sana monthly kasi nag-iipon pa din po kasi ako sa Emergency Fund, Modified Pag-ibig 2 (for investment). I have heard of Sun flexilink assist po, maganda po siya. Can I avail that?

[Ghell06]

Hi mga Sis,

Question lang. Kapag ba nalate magbayad sa due date mo, may charge ba yun? Is it per day ang pagchacharge? Thanks. Need your reply.

[shinies]

May grace period kaso depende yata sa payment scheme mo. Tanong mo na lang sa customer representative.

[aicute12]

Hi mga sis, i also have sunlife yung flexilink na kinuha ko ng 28 palang ako. Now, im a licensed advisor na ng sunlife and naniniwala na talaga ako na its a must sa atin na may ganitong investment. 
Sa tingin nyo ba enough na yung mga policy nyo or kumuha pa kayo ng separate health card incase pag tanda niyo? Just want to get inputs kasi.

[bluish_mommy]

^for me, I have different plans depending on my needs.

I have an insurance that will address the following:
1. estate planning (as you acquire new assets, coverage should also be increased)
2. critical illness (but this year I plan to increase my coverage)
3. retirement/educational - all the funds of my plans are invested to EQUITY, kasi long-term goal ito eh.

then, top-ups na lang ako kapag may extra money.

and I have diversify all these into different institution: Sunlife, Manulife, Insular, Philamlife

regardless of whichever institution, nagkakatalo lang  dyan sa charges/costs and how their fund managers handle your investments.

[yellowminion]

SUN Healthier Life

I'm planning to get my Mom this Health Insurance. Any reviews?
She's 54 yrs old, smoker and still employed so may Health Card pa siya for now (Generali).
May nabasa akong blog na if 40yrs old di na pwede ng Sun Fit and Well kaya ito na lang but I want to hear feedbacks sana. Health insurance lang ang gusto ko since may Life insurance pa siya.