Felma krishna D. Balicat - Licensed Sun Life Advisor

09/07/2025

Para sa mga soon to be mommies na naghahanap ng AFFORDABLE Health Protection this product might be for you!

𝐒𝐔𝐍 𝐌𝐀𝐈𝐃𝐄𝐍 𝐚𝐧𝐝 𝐒𝐔𝐍 𝐌𝐀𝐈𝐃𝐄𝐍 𝐏𝐋𝐔𝐒
Are insurance plans that are designed especially for WOMEN.
Both also provide health protection benefits that can help cushion the financial impact caused by any of the covered female-specific illnesses and surgeries.

BENEFITS of Sun Maiden and Sun Maiden Plus:

✅️LIFE INSURANCE COVERAGE

✅️FEMALE CRITICAL ILLNESS BENEFIT
- Female-specific illnesses and surgeries such as cancer, osteoporosis, and hysterectomy to name a few.
- Take advantage of a total of five (5) free diagnostic or preventive procedures to keep you in shape.

✅️MATERNITY BENEFITS (only for Sun Maiden Plus)
- Obtain financial assistance for up to 3 children delivered and in case of pregnancy-related complications.

Prepare and Protect yourself from future needs.

Felma krishna Balicat
Licensed Insurance Advisor
Sun Life of Canada Philippines

*Premiums varies by age*

07/08/2024

PWEDE BA eREFUND yung mga NAIHULOG sa INSURANCE COMPANY❓

One of the most common concerns ng clients ay ang usaping REFUND.

Pwede nga ba mag-refund?
Paano kung tumigil na sa pagbabayad?
Mawiwithdraw ko ba ang mga premiums ko?

⭕ Simulan natin ito sa Term Insurance.
Prepaid po ang mga insurance.
Meaning, parang renta. Babayaran mo agad yung term or period na sakop ng insurance.

If ang term insurance mo ay yearly ang term, you pay now. Then covered ka.

If di ka na magbayad next year, di ka na covered. Ganun kasimple.

So may mawiwithdraw ka ba? Wala.

⭕ Paano naman kung VUL or Variable Unit-linked ang nakuha ko? Insurance with investment.

Kapag ba tumigil ka na (surrender), mawiwithdraw mo ba exactly lahat ng PREMIUMS na binayad mo? Hindi.

Ang ma-wiwithdraw mo lang ay 'yung current value ng Investment mo (Fund value). Pwede mas malaki sa binayad at may chance mababa (based sa stock market)

⭕ Bakit ganun? Mas mainam pala ang bank. Pag nagdeposit ako, mawiwithdraw ko exactly the same.

Opo, yan ang purpose ng bank.

Iba ang purpose ng insurance. Iba rin ang investment.

❤️ Tatandaan, binibili mo ang service ng insurance contract. Kung 3 million death benefit yan, yan ang binibili mo sa maliit na halaga!

⭕ So bakit nga walang REFUND?

Kapag ba bumili ka ng isang bagay o service, tuwing kelan lang may refund? Ano ang refund policy?

- kapag may DEFECT at may period para ma-refund

E kung wala namang defect ang policy, walang marerefund.

⭕ Wala naman akong naging sakit, sayang lang binayad ko.

- Bigyan kita ng analogy. Naghire ka ng bodyguard to protect you from harm. Pinasahod mo ng 5k a month.

After 2 years, nakapasahod ka na ng 120k. Wala namang umatake sayo.

Can you tell your bodyguard na, "Kukunin ko na lahat ng 120k na pinasahod ko sayo kasi di naman ako napahamak, wala namang umatake sakin."

Anong response ng bodyguard?
"Ay babalik ko sayo, may patago ka teh?"

Same concept.
You buy insurance to get the service of protection.
Kada oras na dumadaan na IN FORCE ang insurance contract mo, liable ang insurance company to fulfill the contract's obligations.

17/07/2024

Break the cycle of financial uncertainty!
Contact me now to secure your family's future. 📩

!

24/05/2024

QUESTION: Ano ba ang best insurance for you?
ANSWER: Depende sa priority, needs and budget mo.👇

Ang hanap mo ba ay 𝐚𝐟𝐟𝐨𝐫𝐝𝐚𝐛𝐥𝐞 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?
✅ Sun Safer Life
✅ Sun Start Up
✅ SunLife Assure

or gusto mo ng 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 na 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭-𝐥𝐢𝐧𝐤𝐞𝐝?
✅ Sun Maxilink Prime

pero 𝐥𝐢𝐦𝐢𝐭𝐞𝐝 𝐩𝐚 𝐚𝐧𝐠 𝐛𝐮𝐝𝐠𝐞𝐭?
✅ Sun Flexilink
✅ Sun Maxilink100

Looking for source of 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐟𝐮𝐧𝐝𝐬 and retirement para sau at sa mga anak mo?
✅ Sun Smarter Life Elite (with guaranteed cash benefits)
✅ Sun Dream Achiever
✅ Sun MaxiBright (investment-linked)

Comprehensive 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 that covers 114 critical illnesses?
✅ Sun Fit and Well and Sun Fit & Well Plus/Advantage

Kung gusto mo na insured din ang 𝐬𝐞𝐧𝐢𝐨𝐫 𝐩𝐚𝐫𝐞𝐧𝐭𝐬 𝐚𝐧𝐝 𝐠𝐫𝐚𝐧𝐝𝐩𝐚𝐫𝐞𝐧𝐭𝐬 mo?
✅ Sun Senior Care

Kung gusto mo na insured ang female family members nyo na specific sa 𝐟𝐞𝐦𝐚𝐥𝐞 𝐜𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐢𝐥𝐥𝐧𝐞𝐬𝐬 𝐚𝐧𝐝 𝐦𝐚𝐭𝐞𝐫𝐧𝐢𝐭𝐲 𝐛𝐞𝐧𝐞𝐟𝐢𝐭𝐬?
✅ Sun Maiden / Sun Maiden Plus

Insurance na pwedeng gamitin as 𝐌𝐑𝐈 (𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞 𝐑𝐞𝐝𝐞𝐦𝐩𝐭𝐢𝐨𝐧 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞) sa bahay or condo na kinuha mo o kukunin pa lang?

at marami pang iba!

If you're not yet sure which plan you should get, let me help you choose the plan that suits you.

Let us start your financial plans, MESSAGE ME ANYTIME.

21/05/2024

"𝑷𝒂𝒔𝒆𝒏𝒔𝒚𝒂 𝒏𝒂, 𝒂𝒏𝒂𝒌. 𝑯𝒊𝒏𝒅𝒊 𝒌𝒂 𝒏𝒂𝒎𝒊𝒏 𝒌𝒂𝒚𝒂𝒏𝒈 𝒑𝒂𝒈-𝒂𝒓𝒂𝒍𝒊𝒏 𝒔𝒂 𝒄𝒐𝒍𝒍𝒆𝒈𝒆."

For parents, the guilt over failing to support their child's needs is one of the worst feelings in the world. Nobody wants to be that parent who can't afford to send their child to a good school.

𝐂𝐨𝐥𝐥𝐞𝐠𝐞 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐭𝐡𝐞 𝐏𝐡𝐢𝐥𝐢𝐩𝐩𝐢𝐧𝐞𝐬 𝐡𝐚𝐬 𝐛𝐞𝐞𝐧 𝐚𝐧𝐝 𝐰𝐢𝐥𝐥 𝐛𝐞𝐜𝐨𝐦𝐞 𝐦𝐨𝐫𝐞 𝐞𝐱𝐩𝐞𝐧𝐬𝐢𝐯𝐞 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐨𝐟 𝐫𝐢𝐬𝐢𝐧𝐠 𝐢𝐧𝐟𝐥𝐚𝐭𝐢𝐨𝐧. So while you're still young and earning a stable income, start saving for education now.

𝐖𝐡𝐞𝐧 𝐒𝐡𝐨𝐮𝐥𝐝 𝐘𝐨𝐮 𝐒𝐭𝐚𝐫𝐭 𝐒𝐚𝐯𝐢𝐧𝐠 𝐟𝐨𝐫 𝐄𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐢𝐧 𝐂𝐨𝐥𝐥𝐞𝐠𝐞?
The answer is as soon as possible. If you're an expecting parent, you can start saving even before your child is born.

𝘏𝘰𝘸 𝘰𝘭𝘥 𝘪𝘴 𝘺𝘰𝘶𝘳 𝘤𝘩𝘪𝘭𝘥 𝘯𝘰𝘸?
𝘞𝘩𝘢𝘵 𝘸𝘪𝘭𝘭 𝘣𝘦 𝘺𝘰𝘶𝘳 𝘤𝘩𝘪𝘭𝘥'𝘴 𝘱𝘰𝘵𝘦𝘯𝘵𝘪𝘢𝘭 𝘧𝘪𝘦𝘭𝘥 𝘰𝘧 𝘴𝘵𝘶𝘥𝘺 (i.e., IT, Engineering, Nursing, etc.).
𝘏𝘰𝘸 𝘔𝘶𝘤𝘩 𝘚𝘩𝘰𝘶𝘭𝘥 𝘺𝘰𝘶 𝘚𝘢𝘷𝘦?

PM me to assist how to start saving for educational funds.

22/01/2024

Good news!

Sun Wealth Prime 7 is back. This is a LIMITED OFFER ONLY!

If you have extra money na NATUTULOG lang, tara usap tayo for a guaranteed payout.

💛 No Medical needed
💛 Guaranteed 4% yearly earnings
💛 110% Insurance Coverage
💛 Get a 100% money back after maturity

08/11/2023

Tara, pag usapan natin paano ka matutulungan ni Sun Life

Overseas Filipino Workers (OFWs) make significant sacrifices by working abroad to support their families and secure a better future. However, it is crucial for OFWs to prioritize their own financial well-being and plan for their future.

08/11/2023

BRIGHTER LIFE with SUN LIFE

20/10/2023

19/10/2023

3 Facts about Life Insurance
📩 DM for free quote

12/10/2023

We all reach 60 years old in no time.
Where retirement is waiving 👵👴
Ask yourself now.

📩 For free quotation

06/10/2023

Sa mga soon to be mom…
Perfect plan for you guys!!

Message me for inquiries 📩