Maria Theresa Cuenco - Sunlife Financial Advisor

08/01/2024

"pantalon" concept...

Nahihirapan ka pa din ba intindihin ang concept ng insurance? 🤯

Heto naisip kong explanation para mas maintindihan mo. 👇

Imagine meron kang P5,000 every month na sobra (after computing all expenses).

If hindi mo yan itatabi, trust me, kusa nalang yan mawawala ng parang bula. Kahit nasa online bank pa yan, isang 8.8 or 9.9 sale lang, pwede mong magalaw at magastos yan.

Pero what if, hatiin natin yung P5,000.. ilagay natin yung P3,500 for your savings or emergency fund. Mas maganda na nsa hiwalay na bank account ito na di kasama sa bank account na gamit mo pambayad ng bills and pangshopping.

Dahil di mo to nagagalaw, after a year meron ka nang P42K, at P420K nman sa 10 years, or kayang umabot ng millions in 30 years na tuloy-tuloy na paghuhulog. Congratulations pag nakaabot ka dito!

Then yung P1,500 naman for health or life insurance lalo na if mababa lang yung HMO na benefit sa iyong company.

Bakit nga ba mahalaga na meron tayong health at life insurance plan?

Kapag ba dinapuan ka ng critical illness at kailangan mo ng malaking halaga, payag ka ba na gamitin yung matagal mong pinag-ipunan?

O mas okay kung yung insurance company yung magbabayad ng medical bills mo? Mas okay to diba!?

Kagandahan pa ngayon sa mga health at insurance plans, kung di mo man sila magamit, let's say tumanda ka na di talaga nagkakasakit, meron at merong cash benefit na babalik sayo.

Parang nag-ipon ka lang din. At least, in those years na covered ka, meron kang PEACE OF MIND na kahit anong mangyari, meron at merong sasalo sayo.

Mabigat ba yung P1,500/month? Masasayang ba yung pera kung alam mo na sa Day 1 palang meron ka nang P500,000 na nakatabi for unexpected events? May mawawala ba kung alam mong after few years, parang babalik lang din yung binayad mo?

Don't feel sorry kung ngayon mo lang nalaman to.. ako din dati, akala ko dagdag gastos lang din ang health and life insurance, pero nung nalaman ko yung mga ito, aba ngayon ay 4 na yung policies ko!

Same with my clients, after a year, pag lumaki sahod nila, nagdadagdag din sila ng coverage nila.

Ayun lang.. at sana mas naging clear sayo ang concept ng insurance.

Kung gusto mo pang matuto tungkol dito, feel free to message me para mas masagot ko mga questions mo.

Tandaan, WAG MAHIHIYANG MAGTANONG!


Tere Cuenco
Your Trusted Financial Advisor

23/10/2023

THE BEST HEALTH INSURANCE OF SUN LIFE 💛

SUN Fit and Well Advantage ✨

A life and health insurance plan that offers critical illness and life insurance benefits until age 100 with specific cancer benefits.

Benefits:

✅ Health and wellness benefit
Avail of special access and privileges to premium workouts and various wellness activities that will help you stay fit and healthy.

✅ Critical illness benefit
Receive cash benefits upon diagnosis of any of the 100+ critical conditions across minor and major stages.

✅ Specific cancer booster benefit
Get an additional cash benefit equivalent of up to 50% of the Face Amount upon first diagnosis of any covered advanced-stage cancer.

✅ Life insurance protection
Secure your loved ones’ future with guaranteed life insurance protection equivalent to the plan’s Face Amount until Age 100.

✅ Special bonus and dividend earnings
Enjoy a Special Paid-Up Bonus at the end of the premium paying period. Earn annual dividends thereafter, which may be withdrawn anytime or left with Sun Life to accumulate.

📌 Limited payment period
Pay a fixed amount in 10, 15, or 20 years. Annual, Semi-annual, quarterly, and monthly.

Message me for appointments 📨

17/10/2023

Life is unpredictable and this is a well-known fact. While a man or woman does everything in their power to stay alive, healthy and look after their family and loved ones, we know that it can all turn out unfavourable too.

If you’re a family person, you cannot afford to miss out on this safety tool. In case you’re not around, your family will never be dependent on anyone, just as you would not want them to be, when you were alive… So let Life Insurance help you take over those responsibilities for you!

No matter what kind of Life Insurance policy you choose, you will rest well knowing that the people close to you will be taken care of in the event of your demise. The peace of mind that comes with having a Life Insurance policy already in place is priceless.
⠀
We, Financial advisor is here if you are unsure what kind of coverage you need in order to get your whole family protected for unexpected events! 💛💛💛

Reserve your slot today for Free Financial planning.
⠀
💐 Tere Cuenco
Sunlife Financial Advisor

15/10/2023

Pamana and Pension Plan❤️

SUN SMARTER Life ELITE Peso 5/10 and VUL 🙂

Ano ang Sun Smarter Life Elite Peso 5/10?
Ito ay 5/10 year payment whole life insurance na merong GUARANTEED Cash Value and merong Guaranteed Anticipated Endowment Benefit.

Nagbibigay si Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.

Ano ang PROS ng Sun Smarter Life Elite 5/10:
✅ Double ang face amount upon death of the insured
✅ Meron syang GUARANTEED 8% na endowment benefit
✅ Meron kang dividend (not guaranteed, projected 3%)
✅ Great for child's educational fund from 0 to 10 years old
✅ Ikaw ang bahalang ilipat sa anak mo ang cash benefit, until magka-apo ka, meron kang makukuha until age 100.
✅ Depende sa laki ng face amount ang laki ng 8% endowment benefit na makukuha
✅ Meron waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan (God forbid), makakatanggap siya ng pera until age 100
✅ Okay siya sa taong may hesitations sa VUL, kung hindi sila comfortable iinvest sa stocks ang pera nila
✅ Perfect para sa mga taong sigurista
✅ May paying period na 5 years or 10 years
✅ Merong Accidental Death at Total Disability Benefit

Eh anu-ano naman ang CONS nito:
▪️ Pwede sya sa mga taong merong budget na 6K or more per month para sa plan nila
▪️ Hindi ka naghahawak ng shares ng top companies sa pilipinas (shareholder)
▪️ Hindi ka naka-invest sa stocks, money market, bonds, etc.

🙂 🙂 🙂
For example if you have
1,000,000 face amount..
8% is 80,000

Child: 0 year old

6th year : 80,000 + dividends
8th year: 80,000 + dividends
10th year: 80,000 + dividends
12th year: 80,000 + dividends until 100 years old 🙂 🙂 🙂
Just do the math 😊

Eh paano kung 2,000,000 face amount
8% is 160,000 + dividend on the 6th year, 2 years thereafter until age 100 🙂 🙂 🙂

*** The lowest face amount allowed is Php 200,000
***Pwede mong ipunin ang pera and leave it to accumulate
***Kahit saan pwede mong paggamitan ang pera (House & Lot, Travel Goals, Kids’ Education, Retirement, etc.) It’s YOUR money 🙂
*** You can use the money as pension

Eh paano naman ang VUL:
✅ Perfect for maliit/ sakto lang ang budget, it's an affordable plan for everyone (Depending on your capabilities and needs, talk to me know more)
✅ Flexible ang payment period
✅Okay sa long term investing
✅ Mas affordable kesa sa Elite 🙂

Happy Learning!

11/10/2023

Always remind ur self...

I am here to help... Just DM me. ☺️💛🌞

10/10/2023

🎉 𝘽𝙐𝘿𝙂𝙀𝙏-𝙁𝙍𝙄𝙀𝙉𝘿𝙇𝙔 𝙋𝙇𝘼𝙉 🎉

LIFE PROTECTION WITH 5-IN-1 BENEFIT ‼️

Covers million of pesos for SAD events like Sickness, Accident and Death. Wait there's more!! It has also a Fund value which accumulate cash thru investment, that you can use as emergency fund, educational fund or retirement fund! 😯🤯

Sample below:
2500/month (21yrs old, Female, Non smoker)

1 million Life insurance coverage & Critical Illness benefit
with Projected Fund Value of 5.2Million at the age 60

Note ⚠️
Premium differs depending on age, health risk, lifestyle..
The younger & healthier, The cheaper 👍

Protect, Save & Invest NOW ✔️

"Your future is created by what you do today, not tomorrow." -Robert Kiyosaki

Get a free quotation now 📩

💐 Tere Cuenco
Your Financial Advisor 💁‍♀️

08/10/2023

If your family's health is essential to you, don't hesitate to purchase Sun Fit and Well from SunLife.

Sun Fit and Well... A complete health insurance policy that will safeguard you for the rest of your life.
Our plan protects you until the age of 100, giving you peace of mind that you're protected for life.

06/08/2023

This plan will cater all your insurance and critical illness needs. 💛

25/07/2023

A Comeback is making another COMEBACK!
Just because we can’t GET ENOUGH!
All good things come to an ene but we’re giving you ANOTHER CHANCE to grab this LIMITED offer!

SUN WEALTH PRIME 7 IS BACK!

Make your money work for you.✅️✅️✅️
The minimum investment is only 500K
with GUARANTEED 4% annual return for 7 Years.

But wait there's more, it comes with a 10% Guaranteed Life Insurance Coverage without medical test requirement.

To illustrate:
Year 0 client to invest 500,000
Year 1 client to RECEIVE 20,000
Year 2 client to RECEIVE 20,000
Year 3 client to RECEIVE 20,000
Year 4 client to RECEIVE 20,000
Year 5 client to RECEIVE 20,000
Year 6 client to RECEIVE 20,000
Year 7 client to RECEIVE 20,000 + 500,000

If your money is just sleeping in the bank, this is a better option for you!

Message me now. 👍✅️

14/07/2023

Makes me proud to be part of a company that produces MDRT’s. ☀️💛

Sun Life is still the #1 life insurer with the most Million Dollar Round Table (MDRT) Members in 2023!

MDRT is an independent association of the leading life insurance and financial service professionals from companies worldwide, taking pride in the highest standards of ethics, knowledge, service, and productivity of its members. And based on 2022 production, Sun Life stands out from the rest. ☀️

Congratulations to all our 2023 MDRT Members!