A Brighter life with Des - Licensed Financial Advisor

08/03/2023

13/02/2023

Sabi nga nila, the right partner makes everything brighter. 🫶🏻☀️

06/01/2023

Hello 2023!!! Thank you to my dear clients for trusting me 💛

One Sun Life Congress! Forge your future ☀️
Have a great year ahead to all of us 😁

04/01/2023

Manifesting ✨

27/11/2022

23/11/2022

Sun Wealth Prime 7 is BACK ☀️

Due to popular demand, our client favorite protection and savings plan is available once again. Sun Wealth Prime 7 is designed to ease financial worry and provide guaranteed returns.

Click here to learn more: https://sunlife.co/sunwealthprime7

17/11/2022

𝙉𝘼𝙏𝘼𝙉𝙂𝙂𝘼𝙋 𝙈𝙊 𝙉𝘼 𝘽𝘼 𝘼𝙉𝙂 13𝙏𝙃 𝙈𝙊𝙉𝙏𝙃 𝙋𝘼𝙔 𝙈𝙊?

Here are the things that you can do to maximize your hard-earned money.

1️⃣ Save at least 20% for your emergency fund. You know, we’ll never know. 🏥

2️⃣ Pay your existing debts. The longer you pay off your debts, the greater the interest will be. ⛓

3️⃣ Start at least an indirect investment. There are a lot of fund managers out there who can help you start. Like me. 📈

4️⃣ Get an insurance. Set aside a little for your long-term wealth protection. Remember, it’s better to get an insurance 10 years earlier than 10 minutes too late. 🛡

5️⃣ Reward yourself / family. BUT DON’T BE TOO OVERWHELMED. Spend 10% as a reward. You deserve it! 🏆

6️⃣ Save for Noche Buena. There’s no greater joy than having a decent meal on Christmas day with your family or love ones. 🎄

7️⃣ 10% for tithes. 100% of your income is a blessing from up above. Giving back a portion won’t hurt. ⛪️

8️⃣ Invest in yourself. Buy books or tools that could improve your mind, skills, or well being. 🧘‍♀️

Enjoy your hard-earned money but be responsible. 🧠

ctto

31/10/2022

Tuloy mo Lang! 😊💪💛

Scenario:

Friend 1: Gipit ako ngayon. Stop na ako. Pwede ko ba makuha lahat ng dineposit ko? (After paying his regular-pay VUL for a few months)

Friend 2: Bakit, pag nag-claim ka ng coverage for death or sickness, pwede ba bawiin ng insurance company?

Hehe! Kidding aside... bakit nga ba usually walang nakukuha kapag a few months old pa lang ang policy mo?

1.) It's not a bank deposit account.
A regular-pay VUL policy is NOT a bank deposit account, where you can "park" your money and withdraw whenever you want. It is a protection contract between a client and an insurance company. Hindi sya fair for the insurance company kasi malaking risk ang tinataya nila. Milyones ang kapalit ng binabayad mong premium. The only time na may makukuha ka from your policy is kapag may tubo na ito from your investment (fund value), which is only possible kapag matagal na ang policy (at least three years).

2.) It's like hiring the services of a bodyguard.
Think of a VUL policy as your BODYGUARD. Regardless po kung may mangyari sa iyo o wala, kailangan nyo po syang sweldohan, kasi you were protected during the time na ni-hire nyo sya. Plain and simple.

3.) You are buying an asset.
Sa insurance or VUL po kasi, you are basically buying an asset with the choice to do it by "installment." Example, you are buying 1M coverage for 3k a month. If you were saving sa bank, it will take you nearly 30 years bago yan makumpleto. Pero sa insurance, agad-agad. Ownership was effective since Day 1 (for as long as you keep paying your premium). Same with buying a house. If you stop paying for the mortgage, wala kang makukuha. Hindi mo pwede bawiin ang downpayment mo. At lalong di mo rin magiging pagmamay-ari yung property kahit partially paid na. Subject for foreclosure.

Kaya for as long as binabayaran mo ang premium mo, mananatili ang promise ng insurance company to give that big amount if something bad happens to you. Once you stop, the company will also stop with its responsibility with you..

Ang delikado dyan is kung may mangyari sayo at cancelled na ang policy mo, hindi ka talaga maka-cover.

Kaya if I were you, continue mo lang no matter what. I understand mahirap situation nyo now pero di hamak na mas mahihirapan kayo kapag nagka-emergency at ikaw mismo at sumabay ka to an already existing financial problem.

Tandaan mo, maraming pwedeng mangyari sa isang minuto at hindi ka dun exempted. Even in your sleep, something could happen.



CTTO

18/10/2022

Kuya SANDALEEEE 😱

Insurance po yung kinuha niyo hindi immortality o respawn

15/10/2022

Be brave enough to bet on your dreams – and unlock your path to a brighter life. ☀

Be inspired by the story of IdeasXMachina (IXM)'s CEO, Third Domingo at Sun Life's SME Rising series, only at https://sunlife.co/brightdreams.

14/10/2022

If you have P77,990 and you’re not sure whether it would be wise to spend it on the new iPhone, you may consider putting your hard-earned money in an investment so that it could grow and earn interest, like VUL or Pag-IBIG MP2 savings
- Joanna Marie Almonte-Detera.

Choose wisely!! Get a VUL product in SunLife now and message me 💛💛💛

Apple's latest launched officially in the Philippines on October 14.