Plan For Brighter Life: Danica Santiago - Sun Life Financial Advisor

29/11/2023

Come to think of it.. 🤔

🏡 When we purchase a home, we avail insurance in case of a loss or damage caused by natural calamities/ accidents.

🚗 When we purchase a car, an insurance is a must!

📱 When we purchase a phone, we avail a plan to protect it from loss, theft, etc.

👨‍👩‍👧‍👦 But we forget to protect the most important one, ourselves and family! We ignore the fact that we also get sick, prone of accidents or worst, die.

Protect yourself and loved-ones!

Message now for a free quotation! FREE lang naman no COMMITMENT.

10/09/2022

𝟒 𝐑𝐞𝐚𝐬𝐨𝐧𝐬 𝐖𝐡𝐲 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐟𝐨𝐫 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐢𝐬 𝐢𝐦𝐩𝐨𝐫𝐭𝐚𝐧𝐭:

𝟏. 𝐒𝐒𝐒 𝐈𝐒 𝐍𝐎𝐓 𝐄𝐍𝐎𝐔𝐆𝐇- It will not sustain your medical bills and you will need to downgrade your lifestyle if you will depend on SSS alone.

𝟐. 𝐈𝐍𝐅𝐋𝐀𝐓𝐈𝐎𝐍 - Your Php100.00 right now will have lesser value in the future.

𝟑. 𝐊𝐈𝐃𝐒 𝐀𝐑𝐄 𝐍𝐎𝐓 𝐎𝐔𝐑 𝐑𝐄𝐓𝐈𝐑𝐄𝐌𝐄𝐍𝐓 𝐅𝐔𝐍𝐃
- They will build and take care of their own family, too. Do not pass the burden to them.

𝟒. 𝐖𝐄 𝐋𝐈𝐕𝐄 𝐋𝐎𝐍𝐆𝐄𝐑- Imagine retiring at the age of 60 with no income then living until the age of 80, that's 20 years worth of expenses. 60 years old too far to imagine right? How about taking a vacation for a month with no SALARY?

Do not just depend on your company's retirement benefit. Get your own back up plan. Message me to know your options 👍

📌Ask me HOW📩

30/07/2022

𝐑𝐄𝐀𝐃!

On priorities: one wise decision you make for yourself is to get insured. But which insurance product?

𝐇𝐄𝐀𝐋𝐓𝐇 𝐅𝐔𝐍𝐃 𝐎𝐑 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐖𝐈𝐓𝐇 𝐒𝐀𝐕𝐈𝐍𝐆𝐒?

𝐖𝐡𝐲 𝐜𝐡𝐨𝐨𝐬𝐞 𝐰𝐡𝐞𝐧 𝐲𝐨𝐮 𝐜𝐚𝐧 𝐡𝐚𝐯𝐞 𝐁𝐎𝐓𝐇 while sticking to your budget and maximizing your money’s income potential.

Let’s talk about it. Message now!

16/07/2022

https://www.esquiremag.ph/money/wealth/how-inflation-diminishes-savings-explained-a2567-20210310-src-reportr

Why savings alone may not be wise.

12/07/2022

𝗗𝗶𝗱 𝘆𝗼𝘂 𝗸𝗻𝗼𝘄?

That when someone passes away, the family cannot withdraw the savings on his/her bank account, right away?

𝗧𝗵𝗲 𝗯𝗮𝗻𝗸 𝗳𝗿𝗲𝗲𝘇𝗲𝘀 𝘁𝗵𝗲 𝗮𝗰𝗰𝗼𝘂𝗻𝘁 𝗮𝗻𝗱 𝗰𝗵𝗲𝗰𝗸𝘀 𝘁𝗵𝗲 𝘁𝗮𝘅 𝗼𝗯𝗹𝗶𝗴𝗮𝘁𝗶𝗼𝗻𝘀 𝗼𝗳 𝘁𝗵𝗲 𝗱𝗲𝗽𝗼𝘀𝗶𝘁𝗼𝗿. 𝗧𝗵𝗲𝗻, 𝗵𝗶𝘀 𝗳𝗮𝗺𝗶𝗹𝘆 𝘀𝗵𝗼𝘂𝗹𝗱 𝗽𝗮𝘆 𝘁𝗵𝗲 𝗘𝗦𝗧𝗔𝗧𝗘 𝗧𝗔𝗫 𝗯𝗲𝗳𝗼𝗿𝗲 𝘁𝗵𝗲 𝗽𝗿𝗼𝗰𝗲𝗲𝗱𝘀 𝗰𝗮𝗻 𝗯𝗲 𝗿𝗲𝗹𝗲𝗮𝘀𝗲𝗱.

(𝘞𝘪𝘵𝘩𝘥𝘳𝘢𝘸𝘪𝘯𝘨 𝘧𝘳𝘰𝘮 𝘵𝘩𝘦 𝘣𝘢𝘯𝘬 𝘢𝘤𝘤𝘰𝘶𝘯𝘵 𝘸𝘪𝘵𝘩𝘰𝘶𝘵 𝘧𝘪𝘳𝘴𝘵 𝘴𝘦𝘵𝘵𝘭𝘪𝘯𝘨 𝘵𝘩𝘦 𝘦𝘴𝘵𝘢𝘵𝘦 𝘵𝘢𝘹 𝘢𝘯𝘥 𝘵𝘩𝘦 𝘉𝘐𝘙 𝘤𝘭𝘦𝘢𝘳𝘢𝘯𝘤𝘦 𝘴𝘩𝘢𝘭𝘭 𝘣𝘦 𝘢𝘭𝘭𝘰𝘸𝘦𝘥 𝘰𝘯𝘭𝘺 𝘸𝘪𝘵𝘩𝘪𝘯 𝘰𝘯𝘦 𝘺𝘦𝘢𝘳 𝘧𝘳𝘰𝘮 𝘵𝘩𝘦 𝘥𝘢𝘵𝘦 𝘰𝘧 𝘵𝘩𝘦 𝘥𝘦𝘱𝘰𝘴𝘪𝘵𝘰𝘳’𝘴 𝘥𝘦𝘢𝘵𝘩. 𝘛𝘩𝘪𝘴 𝘱𝘳𝘦𝘴𝘤𝘳𝘪𝘱𝘵𝘪𝘰𝘯 𝘱𝘦𝘳𝘪𝘰𝘥 𝘤𝘰𝘮𝘱𝘭𝘦𝘮𝘦𝘯𝘵𝘴 𝘵𝘩𝘦 𝘰𝘯𝘦-𝘺𝘦𝘢𝘳 𝘥𝘦𝘢𝘥𝘭𝘪𝘯𝘦 𝘧𝘰𝘳 𝘧𝘪𝘭𝘪𝘯𝘨 𝘵𝘩𝘦 𝘦𝘴𝘵𝘢𝘵𝘦 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯. 𝘉𝘦𝘺𝘰𝘯𝘥 𝘵𝘩𝘦 𝘰𝘯𝘦-𝘺𝘦𝘢𝘳 𝘱𝘦𝘳𝘪𝘰𝘥, 𝘵𝘩𝘦 𝘩𝘦𝘪𝘳𝘴 𝘸𝘰𝘶𝘭𝘥 𝘩𝘢𝘷𝘦 𝘯𝘰 𝘰𝘵𝘩𝘦𝘳 𝘸𝘢𝘺 𝘰𝘧 𝘸𝘪𝘵𝘩𝘥𝘳𝘢𝘸𝘪𝘯𝘨 𝘵𝘩𝘦 𝘣𝘢𝘯𝘬 𝘥𝘦𝘱𝘰𝘴𝘪𝘵𝘴, 𝘦𝘹𝘤𝘦𝘱𝘵 𝘵𝘰 𝘧𝘪𝘭𝘦 𝘵𝘩𝘦 𝘦𝘴𝘵𝘢𝘵𝘦 𝘵𝘢𝘹 𝘳𝘦𝘵𝘶𝘳𝘯 𝘢𝘯𝘥 𝘴𝘦𝘤𝘶𝘳𝘦 𝘵𝘩𝘦 𝘉𝘐𝘙 𝘤𝘭𝘦𝘢𝘳𝘢𝘯𝘤𝘦. 𝘛𝘩𝘦 𝘱𝘳𝘦𝘴𝘤𝘳𝘪𝘱𝘵𝘪𝘷𝘦 𝘱𝘦𝘳𝘪𝘰𝘥 𝘧𝘰𝘳 𝘵𝘩𝘦 𝘸𝘪𝘵𝘩𝘥𝘳𝘢𝘸𝘢𝘭 𝘸𝘪𝘭𝘭 𝘥𝘪𝘴𝘤𝘰𝘶𝘳𝘢𝘨𝘦 𝘤𝘰𝘮𝘱𝘭𝘢𝘤𝘦𝘯𝘤𝘺 𝘰𝘯 𝘵𝘩𝘦 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘵𝘩𝘦 𝘩𝘦𝘪𝘳𝘴 𝘪𝘯 𝘴𝘦𝘵𝘵𝘭𝘪𝘯𝘨 𝘵𝘩𝘦 𝘦𝘴𝘵𝘢𝘵𝘦 𝘵𝘢𝘹.)

For how long? Make sure you have extra cash and the patience to withstand the wait.

📍 𝗧𝗵𝗶𝘀 𝗶𝘀 𝘄𝗵𝘆 getting a 𝗟𝗶𝗳𝗲 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗶𝘀 𝗯𝗲𝘁𝘁𝗲𝗿. 𝗜𝗳 𝘁𝗵𝗲 𝗜𝗻𝘀𝘂𝗿𝗲𝗱 𝗽𝗮𝘀𝘀𝗲𝘀 𝗮𝘄𝗮𝘆, 𝘁𝗵𝗲 𝗯𝗲𝗻𝗲𝗳𝗶𝗰𝗶𝗮𝗿𝗶𝗲𝘀 𝘄𝗶𝗹𝗹 𝗻𝗼𝘁 𝗼𝗻𝗹𝘆 𝗿𝗲𝗰𝗲𝗶𝘃𝗲 𝗺𝗶𝗹𝗹𝗶𝗼𝗻(𝘀) 𝗼𝗳 𝘁𝗵𝗲 𝗴𝘂𝗮𝗿𝗮𝗻𝘁𝗲𝗲𝗱 𝘀𝘂𝗺 𝗮𝘀𝘀𝘂𝗿𝗲𝗱 𝗽𝗹𝘂𝘀 𝘁𝗵𝗲 𝗿𝗲𝘁𝘂𝗿𝗻𝘀 𝗼𝗳 𝘁𝗵𝗲 𝘀𝗮𝗶𝗱 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 𝗶𝗻 𝘁𝗵𝗲 𝘀𝘁𝗼𝗰𝗸 𝗺𝗮𝗿𝗸𝗲𝘁 or dividends included in the plan, 𝘁𝗵𝗲𝘆 𝗱𝗼𝗻'𝘁 𝗻𝗲𝗲𝗱 𝘁𝗼 𝗽𝗮𝘆 𝗲𝘅𝘁𝗿𝗮. 𝗜𝘁'𝘀 𝘁𝗮𝘅 𝗳𝗿𝗲𝗲. 𝗡𝗼𝘁𝗵𝗶𝗻𝗴 𝘁𝗼 𝗹𝗼𝘀𝗲, 𝘀𝗼 𝗺𝘂𝗰𝗵 𝘁𝗼 𝗴𝗮𝗶𝗻.

If you know what I mean, contact me and I'll be happy to assist you.

𝗖𝗿𝗲𝗱𝗶𝘁 𝗴𝗼𝗲𝘀 𝘁𝗼 𝘁𝗵𝗲 𝗿𝗶𝗴𝗵𝘁𝗳𝘂𝗹 𝗼𝘄𝗻𝗲𝗿 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗵𝗼𝘁𝗼𝘀 𝘄𝗶𝘁𝗵 𝘁𝗵𝗲𝗶𝗿 𝗰𝗮𝗽𝘁𝗶𝗼𝗻𝘀

10/07/2022

The BEST time to get an insurance was Y̲E̲S̲T̲E̲R̲D̲A̲Y̲.

The NEXT BEST time to get an insurance is T͛O͛D͛A͛Y͛. ☀️

Dahil hindi mo sigurado kung ano ang magiging bukas. 🙏

I'm
Let me help you! 🤝

02/07/2022

YOU DO NOT KNOW WHAT YOU ARE MISSING.

Financial advisors can always get another believer and turn them into a client, but you can NEVER GET ANOTHER INSURANCE if you are already sick or when you're already dead.

1. Putting ALL your money in the bank and let it hang there with a very small interest cannot keep up with inflation;

2. Buying a lot of properties which you want to pass on to your heirs when you die, not realizing that your heirs wont be able to get it unless they pay for the estate tax (6% of the total value of the property);

3. Putting ALL your money in the stock market, not realizing that this is also subject to estate tax;

4. Solely depending on your company's health benefits as if they will be an employee forever.

But here are the realities of life:

1. Insurance nowadays can be enjoyed even when you are still alive (for retirement purposes);

2. We cannot escape these two things: DEATH AND TAXES

3. YOU DON'T WANT TO BE AN EMPLOYEE FOREVER. Sooner or later you also want to retire comfortably;

4. Illness, be it minor or critical, normally comes when you are old and can no longer provide for yourself.

5. Sooner or later your kids will go to college and you would want them to go to the best school.

6. SINANAY MO ANG PAMILYA MO SA GANYANG LIFESTYLE BUWAN BUWAN, do you expect them to immediately adjust to a lifestyle that they are not used to when you are gone?

So guys, if you can only promise all the financial advisors these three things:
1. YOU WON'T GET OLD
2. YOU WON'T GET SICK
3. YOU WON'T DIE

CTTO

01/07/2022

‼️ 𝗜 𝗗𝗘𝗦𝗘𝗥𝗩𝗘 𝗧𝗛𝗜𝗦 Mantra‼️
Lagi natin sinasabi after a tiring day at work
O di kaya ay after break up 😆
And recently, after natin ma-lockdown ng 2 years 😆

𝗜 𝗗𝗘𝗦𝗘𝗥𝗩𝗘 𝗧𝗛𝗜𝗦, pero ang point is
𝗗𝗘𝗦𝗘𝗥𝗩𝗘 nga ba natin? 😅

SYEMPRE! But only up to a 𝑪𝑬𝑹𝑻𝑨𝑰𝑵 𝑩𝑼𝑫𝑮𝑬𝑻. Syempre deserve naman natin din ienjoy ang fruits ng ating labor

Lagyan mo lang ng cap bes 😂
Wag spend like wala nang 7.7 kung 6.6 ngayon 🤣

Tara, pagusapan natin yan!
Sagot ko na kape mo 😎

30/06/2022

You can’t rely on your business alone to support your financial needs during retirement.

Sun Life can help you live your retirement years the way you envision. Take a look at SUN Smarter Life Elite and see how it fits your retirement goals. Find out more here http://bit.ly/entrepfinancialplan. You can also talk to a Sun Life Advisor today.

Invest in your retirement. It’s worth it.

Sun Life offers solutions to business owners that address their financial needs at every stage of a business and achieve their life goals

16/06/2022

Let me help you 💛

Danica Anna Santiago
Licensed Financial Advisor

11/06/2022

Paano ba gumagana ang 𝗵𝗲𝗮𝗹𝘁𝗵 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲? Simplehan natin 👇

Insurance ang 𝘀𝗮𝘀𝗮𝗹𝗼 sa gastos mo kapag nagkaroon ka ng 𝗺𝗮𝗹𝘂𝗯𝗵𝗮𝗻𝗴 𝘀𝗮𝗸𝗶𝘁 (para hindi mo na magastos yung savings mo na ilang taon mong pinaghirapan)

Anong klaseng malubhang sakit? Stroke, invasive cancer, acute heart attack. Ilan lang iyan sa covered ng insurance. Alam mo ba, covered ang 114 critical illness sa isang health insurance plan lang! Idagdag mo pa ang 16 types ng cancer!

Insurance is a safety net to protect your wealth during SAD (Sickness.Accident.Death/Disability) time 😊

Photo credits to AJ Miranda