Marj Alberto-Zavalla, Licensed Financial Advisor Sta. Rosa Laguna

05/08/2026

I just received my Fortitude—a commissioned artwork by Sun Life, masterfully created by renowned artist Joe Datuin.

This is more than just an award or a beautiful piece of art to display in our home. It is a reminder of the hard work, resilience, and unwavering commitment I’ve poured into serving my clients. Every curve, every detail, represents the dedication behind the journey.

Last year, while chasing my career goals, I was also preparing for one of the biggest personal challenges of my life—my first marathon. There were days I was exhausted, sore, and even injured. But none of those became reasons to stop. I crossed the finish line of my first marathon last February, and through it all, I continued showing up for my clients, making sure they received the service and guidance they deserved.

The resilience that carried me through marathon training was the same resilience that carried me through my work.

One of the greatest lessons I learned is that not everything will work out the way we planned. Sometimes doors close, opportunities slip away, and despite giving your best, things simply don’t happen. In those moments, I’ve learned to let go, trust the process, and continue doing what I do best. Often, what feels like rejection is simply redirection—a perspective many people miss.

I’m still a work in progress, still learning, still growing, and still becoming a better version of myself every single day.

Today, Fortitude isn’t just sitting on a shelf. It stands as a daily reminder that perseverance always leaves its mark, and that the strongest victories are often the ones no one else gets to see. 💛

04/11/2025

𝐓𝐇𝐄 𝐏𝐎𝐖𝐄𝐑 𝐎𝐅 𝐏𝐑𝐎𝐓𝐄𝐂𝐓𝐈𝐎𝐍

We live in a country that faces storms, floods, and earthquakes almost every year, yet only two percent of Filipinos have insurance. Just imagine, after every typhoon or disaster, millions try to rebuild with nothing to fall back on.

It is a reminder that real protection is more than just a policy. It is the difference between starting over and giving up. It is what allows families to rebuild and businesses to open again.

For many Filipinos, insurance still feels like an extra expense. But the truth is, it is one of the most affordable forms of peace of mind you can have. A small amount today can protect everything you worked so hard for.

You cannot stop the storm or the earthquake, but you can prepare for what comes after. That is what insurance is all about, standing back up, rebuilding, and moving forward stronger than before.

Let this be your reminder that protection is not a privilege. It is a necessity.

27/05/2024

It’s time to boost your money’s earning power with the return of Sun Peso Maximizer (ProIncome)! This limited-offer, investment-linked life insurance plan offers you protection for 7 years and regular earnings through global investment, without losing your capital.

This is for serious investors only. DM me for more information. ☀️

15/05/2024

Sun Dollar Maximizer (ProIncome) is back! ☀️☀️

20/03/2024

We are humbled and grateful for another year of being the No. 1 life insurance company in the Philippines. ☀

Expressing our brightest thanks to our dear clients for the continued trust in Sun Life as a true Partner for Life.

Here's to unleashing the and achieving a brighter future together! 💛

26/01/2024

Due to popular demand, Sun Wealth Prime 7 (SWP7) is Back for a very limited offer! ☀️

17/01/2024

3/4

Medallion Qualifier for 3 consecutive quarters of 2023! 🥇🥈🥉

Commitment means staying loyal to what you said you were going to do long after the mood you said it has left you.

This has been very true when I started 2023 with prayer, planning, creating vision boards, posting my goals on our walls and a whole lot of discipline. God made a way for me to achieve all these through my clients. ☀️

Thank you and rest assured that this is just the beginning of our lifetime partnership. 😊

I give back all the glory and honor to You, Father. Faithful then. Faithful now. Faithful always. 🤍

17/10/2023

Pano Pumili ng Best Life Insurance na Para Sayo?

Most of the life insurance companies in the Philippines are stable financially despite the ongoing pandemic unlike before na hindi clear ang regulating body na magccheck ng stability ng mga insurance firms na to.

You may still have doubts of getting your own insurance plan now whether yung pre-need plan na kinuha mo before ay hindi na napakinabangan ng dependents mo or nagsara na ng tuluyan to the point na wala kang nakuha na kahit magkano sa nsurance claims mo. Again we have learned from these mistakes which led us of having concrete plans in terms of our rules and regulations from Insurance Commission to these insurance companies.

Now, stop comparing insurance Company A, B, C dahil wala kang makukuhang magandang sagot from it dahil as you can see what will you get will be more biased than what you are expecting to the point na mas malilito ka lang kung ano ang best para sayo. It’s like comparing apples from oranges, as without you knowing baka maling category ang tinitignan mo sa isang insurance.

With that, here are my tips when selecting the best insurance for you to make your life easier:

1. Instead of comparing insurance companies, compare how accommodating your potential insurance advisors

Mas ok kung if you tend to ask as many questions as you can in the insurance products offered to you at hindi ka lang magtatanong during the set meeting sayo. In short, you have to try to make sure that this person offer you an insurance product based on your capacity to pay and at the same time fit within your need. Sad to say na may ilan kasi talagang insurance agents na magiging active lang during the process of closing a deal with you pero mawawala na dahan-dahan by the time na nakuha na ang commission from the product you purchased from him/her. You have to make sure that this person is approachable enough to the point na kahit schedule lang ng payments mo sa insurance plan mo makakapag bigay sya ng advice sayo.

2. Now that you know about choosing for the right financial advisor, look now into comparing insurance proposals given to you.

Meaning entertain first different proposals and try to compare it with each other. After comparing, ask the questions you need to clarify one by one even yung tipong pagpapalit ng beneficiaries mo for your insurance coverage dapat maitanong mo. From there atleast you’ll have an idea how they respond to you and the same time mas mapapadali ang pag pili mo ng best fit insurance for you dahil nakapag compare ka na. Just choose atleast 3 proposals from 3 different companies para hindi ka mahirapan mag compare.

3. Try to research a little about investments specially like the stock market, mutual funds, bonds and ask about these sa financial advisor mo- You have to understand that they are using the job as “financial advisor/ financial planner” so try to see pano nila gampanan ang roles na ito. The more knowledgeable they are, the better for you but again para sakin add on na lang yung knowledge ng isang advisor as mas focused ako sa serbisyo nya sakin.

Remember that you are doing this for the longterm so it is best that your financial advisor/ planner should fit with your characteristic or atleast ma-meet ang iyong simple demands in terms of your insurance needs. From my end, sobrang big factor for me yung monthly updates na narereceive ko from my advisor as well as the payment notices nya na manual nya pa kong nireremind regularly dahil again, 10 years yung payment terms na kinuha ko so yung magparamdam sya once in awhile is a BIG YES for me!

-CTTO

29/04/2023

Let's talk! ☀️

Talk to a Sun Life Advisor to know how to secure yourself and your family with the Overseas Filipino insurance packages.