Sarah Joyce Tan, Licensed Sun Life Advisor

Sarah Joyce Tan, Licensed Sun Life Advisor Licensed Financial Planner | Financial Literacy Advocate | Your Lifetime Advisor l Medallion Awardee

Mahirap magkasakit sa bansang pinamumunuan ng mga corrupt at walang malasakit sa mamamayan.Sa Pilipinas, kapag nagkasaki...
10/12/2025

Mahirap magkasakit sa bansang pinamumunuan ng mga corrupt at walang malasakit sa mamamayan.

Sa Pilipinas, kapag nagkasakit ka, hindi lang katawan mo ang bibigay, pati ipon mo, minsan pati kinabukasan ng pamilya mo.

Walang libreng gamutan. Walang sapat na suporta.

Kapag wala kang pera, pipila ka sa public hospital na kulang sa gamit, kulang sa k**a, kulang sa malasakit. O kaya pipila sa DSWD or hihingi ng GL sa mga politiko.

Kapag may pera ka, may choice ka. Kapag wala, tiis o utang ang kapalit.

Kaya bago ka magluho, mag-isip ka.

Bago ka bumili ng bagong gamit, bagong cellphone, o magbakasyon, tanungin mo muna ang sarili mo:

Handa ka ba kapag nagkasakit ka?

Handa ba ang pamilya mo?

Ang pag-iipon at pag-iinvest ay hindi yabang.
Hindi ito luho.

Ito ay proteksyon laban sa sistemang hindi ka ililigtas kapag ikaw ay bumagsak.

Sa bansang ito, hindi sapat ang sipag.
Kailangan mo ng plano.
Kailangan mo ng ipon.
Kailangan mo ng disiplina.

Avail a life and health insurance while you are still able and healthy.



God is good all the time!

๐Ÿ“ทisNotMine

Our bright purpose ๐Ÿ’›
16/10/2025

Our bright purpose ๐Ÿ’›

Sun Life offers Insurance with Investments (VUL) products to give you life insurance coverage while accumulating investm...
13/10/2025

Sun Life offers Insurance with Investments (VUL) products to give you life insurance coverage while accumulating investments. ๐Ÿ™‚ Message me for more details โค

Most of us think that we donโ€™t need to have life insurance. But we are here to remind you that whatever your life stage ...
07/10/2025

Most of us think that we donโ€™t need to have life insurance. But we are here to remind you that whatever your life stage is, having insurance is important! ๐Ÿค—

Whether it's a life or health insurance plan, this can help you to protect your finances when you're faced with health emergencies and safeguard the financial security of your loved ones! ๐Ÿ’›

Ready to take a brighter step today? PM for a FREE financial needs analysis.

A valued client of mine shared this, yes this is valid kasi eto yung normal na nababasa nila at shinishare sa kanila ng ...
12/07/2025

A valued client of mine shared this, yes this is valid kasi eto yung normal na nababasa nila at shinishare sa kanila ng mga ordinaryong tao, but my take regarding VUL is:

Share ko na rin po itong actual case ng isa kong client na may VUL plan:

Loss of Life Benefit: โ‚ฑ2,000,000
Accidental Death, Dismemberment, and Disablement Benefit: โ‚ฑ1,000,000
Total Disability Benefit: Included
Critical Illness Benefit: โ‚ฑ500,000
Hospital Income: โ‚ฑ1,000/day
ICU Benefit: โ‚ฑ2,000/day

Total na binayaran ni client over 5 years: โ‚ฑ286,900
Current fund value: โ‚ฑ152,000

So lugi po ba siya ng โ‚ฑ134,900? (โ‚ฑ286,900 โ€“ โ‚ฑ152,000)

Letโ€™s look at it this way:

โžก๏ธ For just around โ‚ฑ26,800/year or โ‚ฑ2,200+ per month, covered si client ng major life, health, and accident benefits for the last 5 years.
โžก๏ธ Aside from the coverage, may naipon pa siyang โ‚ฑ152,000 sa fund value.

So instead of seeing it as a โ€œlugiโ€ situation, mas fair sigurong i-view ito as:

โœ… May โ‚ฑ152,000 na fund si client
โœ… At the same time, protected siya ng:
โ€“ โ‚ฑ2M Life Insurance
โ€“ โ‚ฑ1M Accidental Benefit
โ€“ โ‚ฑ500K Critical Illness
โ€“ Daily Hospital & ICU Benefits
โ€“ Plus disability coverage

โ—๏ธmali din yung agent by promising return amounts, hindi nagpopolicy review if needed, at hndi ma-contact lol

VUL is an insurance plan with an investment component ๐Ÿ˜Š

CO ADVISORS!!!! PLEASE DO NOT GUARANTEEEEEE INVESTMENT RETURNSSS!!! ๐Ÿ™‚โ€โ†”๏ธ

ctto UM Adrian

07/05/2025

โ€œBakit nga ba? You tell me, bakit nga ba mahalaga ang may Life Insurance?"

"I will tell you."

Ang buhay ay puno ng hindi inaasahang pangyayari. Kahit gaano tayo kahanda, may mga pagkakataong hindi natin kayang kontrolin. Dito pumapasok ang kahalagahan ng life insuranceโ€”isang proteksyon para sa iyong pamilya at mga mahal sa buhay.

1. Financial Security para sa Pamilya

Kapag may nangyaring hindi inaasahan, ang life insurance ang magsisilbing safety net ng iyong pamilya. Makakatulong ito sa kanilang mga gastusin tulad ng:
โ€ข Pang-araw-araw na pangangailangan
โ€ข Pag-aaral ng mga anak
โ€ข Pagbabayad ng utang o mortgage

2. Pamana para sa Mahal sa Buhay

Ang life insurance ay nagbibigay-daan para mag-iwan ng pamana sa iyong pamilya. Ito ang magtitiyak na maipagpapatuloy nila ang kanilang pangarap kahit wala ka na.

3. Pagbabayad ng Utang

Kung may mga naiwan kang utang tulad ng personal loans, car loan, o mortgage, ang life insurance ang tutulong sa pagbabayad nito nang hindi mahihirapan ang iyong pamilya.

4. Peace of Mind

Ang pagkakaroon ng life insurance ay nagbibigay ng kapayapaan ng isip. Alam mong protektado ang iyong pamilya kahit anuman ang mangyari.

5. Abot-Kayang Proteksyon

May mga insurance plans na pasok sa ibaโ€™t ibang budget. Maaari kang pumili ng planong naaayon sa pangangailangan mo at ng iyong pamilya.

Ngayon ang tamang panahon na ikaw ay magpa insured habang insurable ka pa at kaya mo pang magbayad.

Huwag mag hintay ng bukas. Hindi natin alam kung ano ang maaaring mangyari. Ang mahalaga, handa ka ngayon para sa mga mahal mo sa buhay.

Our Sun Life Mission is to help you achieve lifetime financial security.

Pm me....
Your Financial Advisor
Sarah Joyce Quindoza-Tan



๐€๐๐Ž ๐€๐๐† ๐Œ๐€๐†๐€๐๐ƒ๐€๐๐† ๐Š๐”๐‡๐€๐๐ˆ๐ ๐๐€ ๐’๐”๐ ๐‹๐ˆ๐…๐„ ๐ˆ๐๐’๐”๐‘๐€๐๐‚๐„ ๐๐Ž๐‹๐ˆ๐‚๐˜?Me: Lahat ng plans ni Sun Life ay maganda, created with different...
05/03/2025

๐€๐๐Ž ๐€๐๐† ๐Œ๐€๐†๐€๐๐ƒ๐€๐๐† ๐Š๐”๐‡๐€๐๐ˆ๐ ๐๐€ ๐’๐”๐ ๐‹๐ˆ๐…๐„ ๐ˆ๐๐’๐”๐‘๐€๐๐‚๐„ ๐๐Ž๐‹๐ˆ๐‚๐˜?

Me: Lahat ng plans ni Sun Life ay maganda, created with different GOALS, LIFE STAGES, and NEEDS.

So, it depends on your goal in getting an insurance plan.๐Ÿ˜Š

Anuman ang reasons or needs kung bakit gusto mo ng insurance, may suitable Sun Life policy na pwede sa iyo at sa mga loved ones mo. ๐Ÿ’›

โ—พ๏ธ ๐‹๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐ฐ๐ข๐ญ๐ก 100% ๐›๐š๐ฅ๐ข๐ค ๐ง๐  ๐œ๐š๐ฉ๐ข๐ญ๐š๐ฅ?
๐Ÿ”…Sun Acceler8
๐Ÿ”…Sun Wealth Prime 7

โ—พ๏ธ๐‹๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž ๐ฐ๐ข๐ญ๐ก ๐ ๐ฎ๐š๐ซ๐š๐ง๐ญ๐ž๐ž๐ ๐œ๐š๐ฌ๐ก ๐ฉ๐š๐ฒ๐จ๐ฎ๐ญ ๐Ÿ๐จ๐ซ ๐ฅ๐ข๐Ÿ๐ž?
๐Ÿ”…Sun Smarter Life Elite
๐Ÿ”…Sun Secure Income

โ—พ๏ธ ๐€๐Ÿ๐Ÿ๐จ๐ซ๐๐š๐›๐ฅ๐ž ๐ฅ๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž?
๐Ÿ”…Sun Safer Life
๐Ÿ”…Sun Start Up
๐Ÿ”…SunLife Assure

โ—พ๏ธ ๐‹๐ข๐Ÿ๐ž ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž na ๐ข๐ง๐ฏ๐ž๐ฌ๐ญ๐ฆ๐ž๐ง๐ญ-๐ฅ๐ข๐ง๐ค๐ž๐?
๐Ÿ”…Sun Maxilink Prime

โ—พ๏ธpero ๐ฅ๐ข๐ฆ๐ข๐ญ๐ž๐ ๐ฉ๐š ๐š๐ง๐  ๐›๐ฎ๐๐ ๐ž๐ญ?
๐Ÿ”…Sun Flexilink
๐Ÿ”…Sun Maxilink100

โ—พ๏ธ ๐„๐๐ฎ๐œ๐š๐ญ๐ข๐จ๐ง๐š๐ฅ ๐Ÿ๐ฎ๐ง๐ para sa mga anak mo?
๐Ÿ”…Sun Smarter Life Elite (with guaranteed cash benefits)
๐Ÿ”…Sun Dream Achiever
๐Ÿ”…Sun Maxilink Bright (investment-linked)

โ—พ๏ธComprehensive ๐ก๐ž๐š๐ฅ๐ญ๐ก ๐ข๐ง๐ฌ๐ฎ๐ซ๐š๐ง๐œ๐ž that covers 114 critical illnesses?
๐Ÿ”…Sun Fit and Well and Sun Fit & Well Plus/Advantage

โ—พ๏ธfor ๐ฌ๐ž๐ง๐ข๐จ๐ซ ๐ฉ๐š๐ซ๐ž๐ง๐ญ๐ฌ ๐š๐ง๐ ๐ ๐ซ๐š๐ง๐๐ฉ๐š๐ซ๐ž๐ง๐ญ๐ฌ?
๐Ÿ”…Sun Senior Care

โ—พ๏ธKung gusto mo na insured ang female family members nyo na specific sa ๐Ÿ๐ž๐ฆ๐š๐ฅ๐ž ๐œ๐ซ๐ข๐ญ๐ข๐œ๐š๐ฅ ๐ข๐ฅ๐ฅ๐ง๐ž๐ฌ๐ฌ ๐š๐ง๐ ๐ฆ๐š๐ญ๐ž๐ซ๐ง๐ข๐ญ๐ฒ ๐›๐ž๐ง๐ž๐Ÿ๐ข๐ญ๐ฌ?
๐Ÿ”…Sun Maiden / Sun Maiden Plus

THE BEST INSURANCE POLICY IS
1. ๐“๐ก๐ž ๐ฉ๐จ๐ฅ๐ข๐œ๐ฒ ๐ญ๐ก๐š๐ญ ๐ฒ๐จ๐ฎ ๐œ๐š๐ง ๐š๐Ÿ๐Ÿ๐จ๐ซ๐.
2. ๐“๐ก๐ž ๐ฉ๐จ๐ฅ๐ข๐œ๐ฒ ๐ญ๐ก๐š๐ญ ๐ฉ๐ซ๐จ๐ฏ๐ข๐๐ž๐ฌ ๐ฒ๐จ๐ฎ๐ซ ๐ง๐ž๐ž๐๐ฌ.

๐“๐š๐ฅ๐ค ๐ญ๐จ ๐ฒ๐จ๐ฎ๐ซ ๐ญ๐ซ๐ฎ๐ฌ๐ญ๐ž๐ ๐…๐ข๐ง๐š๐ง๐œ๐ข๐š๐ฅ ๐€๐๐ฏ๐ข๐ฌ๐จ๐ซ ๐ญ๐จ๐๐š๐ฒ!
๐‹๐จ๐จ๐ค๐ข๐ง๐  ๐Ÿ๐จ๐ซ ๐จ๐ง๐ž? ๐’๐ž๐ง๐ ๐ฆ๐ž ๐š ๐ฆ๐ž๐ฌ๐ฌ๐š๐ ๐ž! ๐Ÿ’Œ

Sarah Joyce Tan, Licensed Sun Life Advisorr

Pa insure na aba.
09/02/2025

Pa insure na aba.

๐Ÿฒ,๐Ÿด๐Ÿฒ๐Ÿณ ๐—ถ๐—ป๐˜€๐˜๐—ฒ๐—ฎ๐—ฑ ๐—ป๐—ฎ ๐Ÿญ ๐— ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป ๐Ÿ˜ญ๐Ÿ˜ญ๐Ÿ˜ญThis is sad. ๐Ÿ˜žIto ang reason kung bakit kami makulit na kumuha kayo ng plan, ituloy ang mg...
27/01/2025

๐Ÿฒ,๐Ÿด๐Ÿฒ๐Ÿณ ๐—ถ๐—ป๐˜€๐˜๐—ฒ๐—ฎ๐—ฑ ๐—ป๐—ฎ ๐Ÿญ ๐— ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป ๐Ÿ˜ญ๐Ÿ˜ญ๐Ÿ˜ญ

This is sad. ๐Ÿ˜ž

Ito ang reason kung bakit kami makulit na kumuha kayo ng plan, ituloy ang mga plan at wag isurrender ng basta basta. Hindi natin alam kung kelan tayo maeexpire. Kaya dapat laging handa.

Please read.

It should have been 1 Million not just 6k ๐Ÿ˜”

My previous advisor called to check the policy of his client who died of aneurysm today.

Kino-convince ko pa siya noon na ituloy ang Insurance policy niya kesa i-surrender. However out of need na din siguro kaya kinuha niya na lang ang fund value na 6,800 pesos kapalit ng 1 Million coverage. Ang sabi niya sa akin kukuha na lng ulit pag nakarecover na financially - sad to say wala na palang balikan ๐Ÿ˜ญ May 5 year old son pa naman siya ๐Ÿ˜”

Hope we can always keep our life insurance policy in force , because we don't know when if our time is up already.

A gentle reminder sa mga policy holders, Sun Life or other insurance company man yan. Please donโ€™t lapsed your policy๐Ÿ™
21/01/2025

A gentle reminder sa mga policy holders, Sun Life or other insurance company man yan. Please donโ€™t lapsed your policy๐Ÿ™

ISIPIN MO ITO:โ˜€๏ธ Ang P3,000 na magiging P3,009.50 ay tinatawag na BANKO.โ˜€๏ธ Ang P3,000 na magiging P3,300 ay tinatawag na...
17/01/2025

ISIPIN MO ITO:

โ˜€๏ธ Ang P3,000 na magiging P3,009.50 ay tinatawag na BANKO.
โ˜€๏ธ Ang P3,000 na magiging P3,300 ay tinatawag na INVESTMENT.
โ˜€๏ธ Ang P3,000 na magiging Php 2,000,000 ay tinatawag na INSURANCE.

Ang kagandahan nito, maaari kang magpa-insure habang kumikita. ๐Ÿ’›

Sa buhay, kahit gaano ka kahusay o kalakas, hindi mo maiiwasan ang dalawang bagay โ€” ang magkasakit at ang mamatay. ๐Ÿฅบ

Kapag may nagkasakit o naospital:
โœจ Ang P2,000 ay maaaring ibigay ng KAIBIGAN.
โœจ Ang P20,000 ay maaaring ibigay ng KAMAG-ANAK.
๐Ÿ“ Pero ang Isang Milyon O HIGIT PA ay maaaring manggaling sa LIFE INSURANCE.

Maghanda habang maaga para sa mga hindi inaasahang pangyayari ng buhay๐Ÿค—๐Ÿค—๐Ÿค—

Talk to a licensed financial advisor now๐Ÿ‘

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