Meaningful Money Management with Marah

02/05/2023

Always your 💛

30/04/2023

13/03/2023

"Hindi na.. Meron na ako..."
"Okay na yung isa..."
While it's true that having some insurance is better than none, it may not be enough.
Consider this ~
▪️Single-Income household
▪️Father works FT, Mother stays at home to manage the household
▪️Has a newborn baby boy, who will enter college 18 years from today
▪️Say the current tuition fee is P100,000; factoring in a 12.25% annual tuition fee increase, the target total educational fund should be P3.8M+.
▫️Father has P500,000 personal insurance and P250,000 group insurance.
▫️Lost his job, and lost his group insurance too as that is tied to his employment
▫️The unexpected happens.
▫️His P500,000 personal insurance will help cover final medical bills and funeral expenses but what about the needs of his mag-ina?
What about the college of his unico hijo?
The policies below are that of a client which I used as reference while I write their financial plan and as we build their wealth portfolio.
Between the 2 of them - husband and wife - they have 5 plans together. One would think that this should be enough, but here's what we found out,
▪️Husband has P600,000 insurance coverage
▪️Wife has P1.2M insurance coverage
▪️Both have P600k health insurance
▪️Both are in their early 50s
▪️All their plans are VUL
The husband, who contributes greatly to running the household financially, has less insurance coverage. What if his time is up earlier than the wife's?
Cancer is prevalent in the family. What if unfortunately it gets passed on to them? Will P600k be enough?
Investments are great for long-term financial goals, but what if they need the money earlier than expected? Will the cash surrender value be enough?
Do not say NO to a cross-sell or an upsell or a policy review with an advisor. You don't necessarily have to sign up right away, but at least you are aware and you can plan better.
In wealth management, mas mabuti na yung sobra kesa kulang.

Ctto TJ Plans

13/02/2023

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

13/02/2023

Bright news! ☀

Renewal premiums can now be paid via the Sun Life Online Payment Page. Just visit sunlife.co/onlinepayment, supply the required information, choose your preferred payment option, and you’re set!

You may also see the complete list of available payment channels here: https://sunlife.co/insurance-payments.

10/02/2023

Legacy building takes time, focus and a dependable partner. Watch this space as we unveil a generational product for you, our Partners for Life.

10/02/2023

DM me if you wanna know more about his very affordable insurance product.

24/01/2023

Why choose one when you can get both? Get insurance AND guaranteed yearly cash benefits for 7 years with Sun Wealth Prime 7. ✨

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

16/01/2023

What is the approximate cost of insurance?
Check out this very affordable plan from Sun Life.

It could be your safety net in case you'll have a critical illness that could empty your pockets.

DM me for more info.

15/01/2023

𝐀𝐬𝐤 𝐌𝐞 𝐌𝐨𝐧𝐝𝐚𝐲 𝐒𝐞𝐫𝐢𝐞𝐬 𝓌𝒾𝓉𝒽 𝑀𝒶𝓇𝒶𝒽!🍀

"𝘓𝘜𝘎𝘐 𝘕𝘈𝘔𝘈𝘕 𝘈𝘒𝘖 𝘚𝘈 𝘐𝘕𝘚𝘜𝘙𝘈𝘕𝘊𝘌."

Yet another common hesitation when availing a plan.
Let's do a simple math. If you are a policyholder, take out your policies - get the 'Sum Assured' and premium amount. Or we can use the example below.

This plan offers P2M Insurance proceeds, and for that benefit, I am paying a total of P507,200.

𝐏𝟓𝟎𝟕,𝟐𝟎𝟎 𝐈𝐍 𝐄𝐗𝐂𝐇𝐀𝐍𝐆𝐄 𝐅𝐎𝐑 𝟐𝐌. 𝐋𝐮𝐠𝐢?

𝐈𝐟 𝐦𝐲 𝐭𝐢𝐦𝐞 𝐜𝐨𝐦𝐞𝐬 𝐛𝐞𝐟𝐨𝐫𝐞 𝐈 𝐚𝐦 𝐝𝐨𝐧𝐞 𝐩𝐚𝐲𝐢𝐧𝐠, 𝐈'𝐝 𝐬𝐭𝐢𝐥𝐥 𝐠𝐞𝐭 𝐭𝐡𝐞 𝐟𝐮𝐥𝐥 𝐛𝐞𝐧𝐞𝐟𝐢𝐭. 𝐋𝐮𝐠𝐢?

𝐏𝐥𝐮𝐬 𝐭𝐡𝐢𝐬 𝐩𝐥𝐚𝐧 𝐜𝐨𝐦𝐞𝐬 𝐰𝐢𝐭𝐡 𝐢𝐧𝐯𝐞𝐬𝐭𝐦𝐞𝐧𝐭𝐬. 𝐋𝐮𝐠𝐢?

There's a lot of pre-conceived notion about insurance and misunderstanding about VULs, and people are missing out.

Don't let that stop you. Clear the confusion, talk to an advisor today!