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Gha Ledama Your Financial Partner in Life, Oroquieta City (2026)

13/03/2026

Reality check lang. 🥹

If you save ₱2k–₱3k monthly:

₱2,000 x 12 x 72 = ₱1.7M
₱3,000 x 12 x 72 = ₱2.5M

Meaning… 28 yrs old ka ngayon, kailangan mo pa mag-ipon hanggang 100 yrs old para lang magka-million.

Pero sa insurance, ibang usapan.

Kung may mangyari sayo Day 1,
your family can already receive ₱1,000,000 or more.

Ganun kabilis ang protection.

Hindi lang ito about saving money.
It’s about protecting the people you love kahit wala ka na. 💛

Plan smart. Message me if you want to start early. 📩

23/02/2026

𝐒𝐚𝐧𝐚 𝐧𝐨𝐨𝐧 𝐩𝐚..

Only if he learned about insurance earlier di'ba?
Yung 2k a month niya mahigit 1M na sana ang coverage ng life insurance niya no'n. Kumpleto nadin Ng critical illness, dismemberment, disability at hospital income benefits. Plus malaki na sana ang returns.

At age of 45 mas mahal na mag pa insure. Why? Because mas prone na tayo magkasakit. Walang tumatandang pa healthy. At that age lumipas nadin yung time na need para tumubo ang funds mo. 🕰️

We all need insurance, and lahat ng investments kailangan ng panahon para mag grow. We can't turn back time. The best thing we can do is "magsimula na".

Do it for the older YOU, do it for your family and loved ones. 🙂

Isa ka din ba sa gusto narin magsimula pero hindi maunawaan pano nag wowork ang insurance? I'll help you. Message mo lang ako. Ipapaliwanag ko sayo sa paraang maiintindihan mo. 😉

Hindi kailangan malaki kaagad ang importante meron na kahit maliit.

15/02/2026

𝗕𝗮𝗻𝗸 𝗔𝗰𝗰𝗼𝘂𝗻𝘁𝘀 𝘃𝘀. 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲: 𝗪𝗵𝗶𝗰𝗵 𝗢𝗻𝗲 𝗧𝗿𝘂𝗹𝘆 𝗦𝗲𝗰𝘂𝗿𝗲𝘀 𝗬𝗼𝘂𝗿 𝗟𝗼𝘃𝗲𝗱 𝗢𝗻𝗲𝘀?

Many people think savings are enough, but did you know that when a bank account holder passes away in the Philippines, their money is 𝗳𝗿𝗼𝘇𝗲𝗻 𝘂𝗻𝘁𝗶𝗹 𝘁𝗵𝗲 𝟲% 𝗲𝘀𝘁𝗮𝘁𝗲 𝘁𝗮𝘅 is settled with the BIR? On top of that, 𝗯𝗮𝗻𝗸𝘀 𝗮𝗹𝘀𝗼 𝘄𝗶𝘁𝗵𝗵𝗼𝗹𝗱 𝟮𝟬% 𝗳𝗶𝗻𝗮𝗹 𝘁𝗮𝘅 on any earned interest before releasing funds. This can cause delays and financial stress for your loved ones.

𝙇𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨 𝙙𝙞𝙛𝙛𝙚𝙧𝙚𝙣𝙩. 𝙄𝙩 𝙥𝙧𝙤𝙫𝙞𝙙𝙚𝙨 𝙞𝙣𝙨𝙩𝙖𝙣𝙩, 𝙩𝙖𝙭-𝙛𝙧𝙚𝙚 𝙘𝙖𝙨𝙝 𝙩𝙤 𝙮𝙤𝙪𝙧 𝙗𝙚𝙣𝙚𝙛𝙞𝙘𝙞𝙖𝙧𝙞𝙚𝙨—𝙣𝙤 𝙚𝙨𝙩𝙖𝙩𝙚 𝙩𝙖𝙭, 𝙣𝙤 𝙙𝙚𝙡𝙖𝙮𝙨, 𝙟𝙪𝙨𝙩 𝙩𝙝𝙚 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙨𝙪𝙥𝙥𝙤𝙧𝙩 𝙩𝙝𝙚𝙮 𝙣𝙚𝙚𝙙 𝙬𝙝𝙚𝙣 𝙞𝙩 𝙢𝙖𝙩𝙩𝙚𝙧𝙨 𝙢𝙤𝙨𝙩.

𝘿𝙤𝙣’𝙩 𝙡𝙚𝙖𝙫𝙚 𝙮𝙤𝙪𝙧 𝙛𝙖𝙢𝙞𝙡𝙮 𝙬𝙖𝙞𝙩𝙞𝙣𝙜. 𝙋𝙡𝙖𝙣 𝙖𝙝𝙚𝙖𝙙 𝙖𝙣𝙙 𝙨𝙚𝙘𝙪𝙧𝙚 𝙩𝙝𝙚𝙞𝙧 𝙛𝙪𝙩𝙪𝙧𝙚 𝙩𝙤𝙙𝙖𝙮. 💙

12/02/2026

THE OFFICIAL RESULTS ARE OUT!

According to the Insurance Commission, 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞 𝐢𝐬 #𝟏 𝐢𝐧 𝟓 𝐨𝐮𝐭 𝐨𝐟 𝟔 𝐜𝐚𝐭𝐞𝐠𝐨𝐫𝐢𝐞𝐬. Malinaw pa sa sikat ng araw! Congratulations Sun Life!

11/02/2026

If it’s your family will run to when an illness strikes, would you be ready to either drain your savings or turn your back on them?

I’m sure most of us have heard stories of how a health crisis wiped out an entire family’s worth of savings.

Don’t let this same sad story happen to your family.

If you’re unsure if your parents and siblings can cover their own medical expenses as they get older, you might consider encouraging them to get their own policies.

Let me say it again and again: PEACE OF MIND IS PRICELESS!

Message us for a sample computation!

10/02/2026

May HMO ka—good start👍But long-term medical costs need a backup plan 💚

Healthy ka ngayon, yes 🙌 Let’s make sure one hospital bill won’t break your savings.

Staying healthy is love. Preparing for medical expenses is love for your family 🫶

👉 Would you rather PREPARE NOW or WORRY LATER? Comment below.

10/02/2026

Having children in the future is not a guarantee that they will take care of you when you grow old. Children are not retirement plans, and marriage is not an insurance policy against loneliness or insecurity. Urging people to get married and have kids just so someone will look after them later in life ignores the reality that children grow up with their own dreams, responsibilities, and struggles. True preparation for old age comes from financial stability, good health, emotional independence, and a strong support system not from placing expectations and burdens on the next generation.

CTTO: Cebuknows

10/02/2026

When we talk about getting insured, we’re not telling you to leave your family a fortune. Insurance isn’t about spoiling your loved ones or handing them an easy life.

It’s about giving them a decent transition to a life without you.

It’s making sure that in the middle of grief, they don’t also have to worry about unpaid bills, daily expenses, school tuition, or suddenly downgrading the lifestyle you worked so hard to provide. It’s about buying them time—time to heal, adjust, and stand back up—without forcing them into survival mode.

Insurance isn’t about excess.
It’s about continuity, dignity, and protection when you’re no longer around to provide it yourself.

09/02/2026

09/02/2026

Guys alam nyo ba? Please read👇
Life is very uncertain, ang ating ipon nauubos pag nagkasakit, pag may mga nawala sa pamilya gastos din diba? Bakit hindi tayo mag ipon daily para pag dumating ang mga sad events sa ating buhay may sasalo ng mga kagastusan. Hindi naman mahal ang insurance, you can try this plan. No matter what happened you’re insured.

Ang ganda ng plan na ito👇

✅Madaming COVERED 114 ILLNESSES CONDITION.
✅ADDITIONAL CASH BENEFIT just in case ma-diagnose ng cancer.
✅DAILY HOSPITAL INCOME BENEFIT if ma-confine sa Hospital.
✅POST HOSPITALIZATION BENEFIT makukuha once ma-discharge na sa Hospital.
✅FIXED Years to PAY lang! (Choose from 10,15,20yrs)
✅Covered na LIFETIME or until age 100.
✅GUARANTEED CASH BENEFIT at the age 65, additional na Retirement Fund/Pension.
✅SPECIAL CASH BONUS naman after ma-fully paid ang plan, kikita ka na!
✅ANNUAL DIVIDEND EARNINGS from Sun Life! Kikita ka pa ulit.

Hindi lang health ang focus, may dagdag savings pa. 🤗

And lastly but most importantly,

✅LIFE INSURANCE COVERAGE na ma re-received ng Family or ng Beneficiaries.

Gusto nyo rin ba ang SUN FIT AND WELL ADVANTAGE?🤗

08/02/2026

Sun Wealth Prime 7 (Tax-Free Income Plan) Limited offer from Sun Life Philippines

Dear FB Friends, quick share lang po

If may extra money ka ngayon sa bank, usually ang nangyayari, nakapark lang siya, mababa ang tubo, and worst… kapag may unexpected na nangyari, pwedeng ma-freeze pa yung pera.
Tapos yung interest? May tax pa.

Now, compare natin dito sa Sun Wealth Prime 7.

Dito, isang beses ka lang magde-deposit, then starting Year 1, may 4% guaranteed income ka EVERY YEAR, and take note, TAX FREE lahat.

Hindi ito estimate, hindi rin naka-depende sa market. Guaranteed siya.

For example:

Kung naglagay ka ng ₱500,000,
every year may ₱20,000 kang natatanggap, tax free.

Kung ₱1M, ₱40,000 yearly.

Kung ₱5M, ₱200,000 yearly.

Kung ₱10M, ₱400,000 yearly.

And ang maganda dito, may LIFE INSURANCE ka pa.

Meaning, protected ka habang kumikita yung pera mo, at tax free din ang insurance benefit.

After 7 years, eto yung pinaka-importante:

👉 Ibabalik sa’yo ang buong principal capital mo.

Buong pera mo, tax free.

Yung mga kinita mo yearly? Sa’yo na lahat.

So ang tanong, saan mas okay ilagay ang extra money mo?

Sa bank na pwedeng ma-freeze at may tax?

Or sa plan na kumita ka na, may insurance ka pa, at buo pang babalik ang capital mo?

That’s why sinasabi namin, walang talo dito.

Income is tax free.

Insurance is tax free.

Maturity is tax free.

If you want, we can check kung anong amount ang pinaka-fit sa’yo or sa family mo. This is perfect lalo na kung ayaw mong galawin yung principal, pero gusto mo ng steady, tax-free cash flow. Send me a message to get a free quote habang meron pa nito. 😊

G-a Ledama

08/02/2026

Critical Illness Insurance protects more than your body, it protects your life’s work.
Your savings stay intact, your plans stay alive, and your family stays secure.
Because getting sick shouldn’t erase years of hard work.

Gha Ledama Your Financial Partner in Life

13/03/2026

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11/02/2026

10/02/2026

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