Sunlife FA Khristine Tinaya-Ramoya

13/11/2025

03/11/2025

Pasimplehin natin ang itsura ng VUL.
Variable Unit link or insurance with investment component.

Bakit ka bibili nito?
Kasi gusto mo ng insurance.

Para saan?
Para may matanggap ka or ang family mo in case of death, disability, critical illness, accident, hospitalization.

Paano nagfflow ang pera mo or Premium?

Premium - ito ang hinuhulog mo
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Admin charges - ikakaltas sayo itong admin cost kasi ito ang revenue ng insurance company to sustain its operations such as salary ng empleyado, commission ng agent, Operation cost, marketing, at iba pa.

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Fund value - yung premium mo na kinaltasan, ipambibili ng units of funds of your choice. Equity o bonds. UNIT BALANCE x UNIT PRICE = FUND VALUE. Pera mo ito. Everyday, pede magbago ang value kasi yung Unit price gumagalaw.

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Insurance charges - kinakaltas sa fund value mo ito monthly. Kabayaran mo yan sa insurance benefits mo. Every year tumataas as you age. The higher the insurance benefits, the higher the insurance charges.

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Remaining fund value - ito ang naiwan sa fund mo. Pwedeng magwithdraw dito.
Pwedeng mag-top up (dagdag)

Next month na hulog mo ng premium, ganun ulit.
Admin cost, bili ng units, then kaltas ng charges.

Take note, nagbabayad ka dahil may benefits ka.

Wag mo i-expect na ang 100k mong pinasok sa VUL, lalabas na 100k sa dulo. Hindi ito bangko.

30/09/2025

Banks often advertise “free life insurance” if you maintain a certain balance in your savings account. But in reality, it’s not truly free.
1. It’s a group insurance, not an individual policy.
The bank negotiates a bulk (group) life insurance plan with an insurer, covering depositors who meet the required balance. This means you don’t own the policy directly—the bank does, and you’re just one of the insured under that group.
2. The cost is hidden in your account’s earnings.
The insurance premium doesn’t magically disappear. It’s simply deducted from what the bank could have given you as interest or higher yields on your deposit. Instead of you receiving the full earning potential of your balance, part of it is used by the bank to pay the insurance company.
3. It’s conditional and limited.
Since it’s group coverage, the benefits are capped and may not be as comprehensive as having your own policy. If you withdraw and your balance falls below the required amount, your “free” insurance disappears immediately.
4. Opportunity cost.
By keeping a large balance in a savings account just to maintain the coverage, you’re sacrificing potentially higher returns elsewhere (investments, time deposits, or your own life insurance plan with tailored benefits).
So while the bank markets it as “free,” the reality is: you’re still paying for it, indirectly, through lower earnings on your money.

01/09/2025

The most wonderful time is here! 🌟

But before we get excited, SunSon is here to remind you to save before holiday shopping to avoid budget shock. 🌞

READ MORE tips to become a smart shopper this yuletide season ➡ https://sunlife.co/tips-to-avoid-budget-shock

12/08/2025

Sabi nung client namin; iniisip ko nga mga anak ko. Anung plan ang pwede sa kanila?

Gusto nio po yung 𝙋𝙖𝙢𝙖𝙣𝙖 𝙋𝙡𝙖𝙣?
Client: Sounds interesting… anu yun?
Me: May Guaranteed po na 8% 𝙋𝘼𝙔𝙊𝙐𝙏𝙎 𝙁𝙊𝙍 𝙇𝙄𝙁𝙀 at may 𝘿𝙞𝙫𝙞𝙙𝙚𝙣𝙙𝙨 𝙥𝙖𝙣𝙜 𝙪𝙥 𝙩𝙤 4% 𝙔𝙚𝙖𝙧𝙡𝙮.
Client: Hala ang ganda for Kids! 😯Gusto ko yan!💛

This plan is for 3rd Generation Plan. For Parents, for the Child and for Child’s family in the future. Walang talo. 😊

09/08/2025

Grab yours 💛

09/08/2025

Pwede bang mag-apply ng life insurance habang nasa ibang bansa?
— No. Bawal po.

Pwede bang mag-apply ng life insurance kahit hindi face-to-face? Kasi nasa Visayas or Mindanao ako?
— Yes. Pwede po.

Basta kumpleto ang requirements, VALID ang application mo.
📌 Nasa Pilipinas ka
📌 Complete requirements
📌 Healthy ka
📌 Nakita ka ng advisor sa online call for assessment

We can insure clients— kahit nasa Cebu, Batanes, Palawan, anywhere in the PH soil. 💛

29/07/2025

💡Fun Fact!✅️

Did you know that Sun Life began operations in 1895—before the Philippines even became a republic? 🇵🇭

During World War II, Sun Life stayed in operation underground and was the only insurer to pay USD 1.3M in death claims, even without documents.

Today, it’s the leading life insurance provider in the Philippines, serving millions through its trusted advisors and award‑winning programs. From financial literacy to health initiatives, it’s a legacy built on trust and service for over 130 years.

Yes, we are the oldest and still the strongest! 🌞💪

Brighter Life with Sun Life indeed!