SUNLIFE 2

[rasee16]

^Hi Sis, from an Advisor versus an Insured point of view, do you think it's still worth it? For 300K worth of insurance nasa 130K na siya, 3 years to pay lang dahil sa age. Medyo may kalakihan nga kasi ang premium.

Sis, hindi naman magiging mas mataas ang bayad kaysa sa insurance coverage. Minimum face amount is 300k but insurance is 150% of the face amount meaning 450k ang magiging coverage until age 100. Yes, it is a huge sum pero the risk is super high na kasi pagdating sa ganyang age. It also has additional benefits for glaucoma, knee replacement surgery, etc. It also earns dividends and cash benefits. 

By the way, I am a Sun Life client for several years before becoming an advisor. Do I think it's worth it? If I have the money, why not. Merong tamang market para dito. Hindi talaga applicable for all. At this age kasi, it is almost too late to get an insurance but Sun Life opened the doors for those na naghahabol pa na makakuha.

[PwedePadala]

My siblings requested quotes from Sun Life: Sun Fit and Well and Sun LifeAssure (term insurance with critical illness). Kung may budget, OK ang Fit and Well pero kung hindi pa financially kaya pwede na din and LifeAssure. Ang importante may coverage habang wala pang sakit.

My parents didn't have critical illness insurance so I encouraged my siblings to get an insurance.

[PwedePadala]

Update: I mentioned Sun LifeAssure before. Recently, I made a list of available term insurance in the Philippines. Hope it can help in your search. 

[Ghell06]

Hello mga sis. Ask ko lang what will happen if hindi agad nagbayad sa due date? May mga charge na ba yun agad? Thank you.

[janachen]

wala sis. Pero sana mas ok on time at hindi sumablay.Like my case kasi nawalan nako ng loyalty bunos kasi nakailang beses ako hindi nakapagbayad.

[Ghell06]

^ Thank you sis sa pagsagot. Anong meron dun sa loyalty bonus sis?

[janachen]

pag may loyalty bonus sis dagdag sa fund mo yun after 10 yrs na straight na pagbabayad, hindi ko sure kung ilang percent.

[Ghell06]

^Thank you sis. Sayang di sakin nasabi yan ng advisor ko

[rasee16]

Hello mga sis. Ask ko lang what will happen if hindi agad nagbayad sa due date? May mga charge na ba yun agad? Thank you.

Depende, gano katagal na ba yung due date bago ka makakapagbayad? Usually may grace period naman na 1 month. Kung lumagpas ka dun, depende kung anong product yung kinuha mo eh. Kung VUL, derecho lang na magkakaltas ng charges sa fund value until such time na tuluyan ng mag-lapse yung policy kung naubos na yung pondo dahil hindi ka nakapaghulog ng ilang buwan.

Kung trad naman yung policy mo at hindi mo nahulugan, depende yun sa non-forfeiture option na pinili mo at the onset of the policy. Ask your advisor nalang din kasi sya mas nakakaalam ng details ng policy mo. Good luck!

[weng.totz]

ano po maganda para sa anak?

Di ko kasi afford yun para sa akin lalo na at raket2 lang ang job ko.

[Ghell06]

Depende, gano katagal na ba yung due date bago ka makakapagbayad? Usually may grace period naman na 1 month. Kung lumagpas ka dun, depende kung anong product yung kinuha mo eh. Kung VUL, derecho lang na magkakaltas ng charges sa fund value until such time na tuluyan ng mag-lapse yung policy kung naubos na yung pondo dahil hindi ka nakapaghulog ng ilang buwan.

Kung trad naman yung policy mo at hindi mo nahulugan, depende yun sa non-forfeiture option na pinili mo at the onset of the policy. Ask your advisor nalang din kasi sya mas nakakaalam ng details ng policy mo. Good luck!

Days lang naman bago nakapagbayad Thanks sis!

[HiedraOL]

Hi po ask ko lang worth it po ba ang vul.. Ang dami ko po kasing nababasa na hindi daw po worth it dahil sa mga charges at after 10 years of payment daw uubusin lang daw nun pati investment mo.. Mas ok daw po BTID nalang.

[rasee16]

Hi po  ask ko lang worth it po ba ang vul.. Ang dami ko po kasing nababasa na hindi daw po worth it dahil sa mga charges at after 10 years of payment daw uubusin lang daw nun pati investment mo.. Mas ok daw po BTID nalang.

Sun Life has more than 20 financial products that can address your priorities and budget. For me, walang one size fits all na product. Everything should be customized based on the client's needs. To some, mas ok ang VUL, sa iba naman mas ok ang trad. Whichever strategy you choose, may pros and cons yan. Personally, I have both VUL and trad policies. Better talk to a financial advisor for guidance. Or kung wala kang kilala, maybe I can help you with it. 

[Rory_Lorelie_Gilmore]

Hello! Buhayin ko lang uli 'tong thread. Pa-share naman ng Sunlife policies nyo. 

[summersunder]

Sa mga sis natin na magaling sa money/stocks, pa advice naman if ok to continue sa Sunlife payment? Baka malugi ako since down yung market?

Thanks

[eischied_21]

any sunlife agent here, please send me dm would like to ask for quotation. thank you