Vanessa B Ganigan LFA

10/04/2024

Php3,770 per month after saving for 15 years 😭😭😭
Assisted a father of 3 to process his retirement claim from SSS. And this is all he gets. He will only have php126 per day for his living expenses.
Is this enough? Obviously not. This is a proof that SSS is definitely insufficient as your retirement fund.
Talk to your trusted Financial Wealth Planner. Please. This is indeed alarming 🥲😣😢


ctto

03/04/2024

22/03/2024

𝐖𝐡𝐲 𝐲𝐨𝐮 𝐬𝐡𝐨𝐮𝐥𝐝 𝐜𝐡𝐨𝐨𝐬𝐞 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞? 🙂
𝘈 𝘨𝘰𝘰𝘥 𝘳𝘦𝘢𝘥 𝘰𝘯 𝘸𝘩𝘺 𝘐 𝘤𝘩𝘰𝘴𝘦 𝘚𝘶𝘯 𝘓𝘪𝘧𝘦 𝘵𝘰 𝘨𝘦𝘵 𝘰𝘶𝘳 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘱𝘰𝘭𝘪𝘤𝘪𝘦𝘴 𝘢𝘯𝘥 𝘵𝘰 𝘸𝘰𝘳𝘬 𝘢𝘴 𝘢 𝘍𝘪𝘯𝘢𝘯𝘤𝘪𝘢𝘭 𝘈𝘥𝘷𝘪𝘴𝘰𝘳. ☀️
Many companies are claiming the number 1 spot as the top life insurer. But Insurance Commission (IC) released five (5) financial reports, and different companies topped each metric. But among the five (5) categories, only one is widely used to come up with the top 10 life insurance companies. It is not just in the Philippines but the entire world, and that’s “𝐏𝐫𝐞𝐦𝐢𝐮𝐦 𝐈𝐧𝐜𝐨𝐦𝐞.”
These are the 5 metrics for the insurance business from 2023 Rankings .
✅ Assets - Kayamanan - #1
✅ Premium Income - Consistent bang magbayad mga existing clients ( #1 ulit for 13 consecutive years)
✅ NBAPE - Mga bagong clients na nagbayad ng initial premium upon application ( #2 with a very small difference with the #1)
✅ Net Worth - #2 na marunong sa pera, assets minus liabilities
✅ Net Income - #1 sa pagiging profitable 👍🏾💯, income minus expenses
𝘚𝘰 𝘸𝘩𝘺 𝘣𝘦𝘪𝘯𝘨 𝘯𝘶𝘮𝘣𝘦𝘳 𝘰𝘯𝘦 (𝘰𝘳 𝘱𝘢𝘳𝘵 𝘰𝘧 𝘵𝘩𝘦 𝘵𝘰𝘱 10) 𝘪𝘴 𝘤𝘳𝘶𝘤𝘪𝘢𝘭 𝘵𝘰 𝘺𝘰𝘶 𝘢𝘴 𝘢𝘯 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘣𝘶𝘺𝘦𝘳?
Because it serves as a validation that companies like 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞 can still fulfill their promise to their clients kahit mag sabay2x pa ang claims. 💛
And of course, if you choose Sun Life, I will be your #𝙋𝙖𝙧𝙩𝙣𝙚𝙧𝙛𝙤𝙧𝙇𝙞𝙛𝙚. 😉
Congratulations to all these top performing Insurance companies! How did your company fare in the reports released by Insurance Commission for 2023?
Source: https://www.insurance.gov.ph/

21/03/2024

SULNLIFE IS NO. 1 , that's why I chose SUNLIFE ^_^
Congratulations SUNLIFE

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! 💛
___
𝐓𝐎𝐓𝐀𝐋 𝐏𝐑𝐄𝐌𝐈𝐔𝐌 is the combination of the past and present business of the insurance company. It signifies that our clients are happy with the services of Sun Life.

20/03/2024

Iba na talaga mag-isip mga kabataan ngayon! 🤯

I've met with a 22 year old client. Natanong ko siya bakit niya gustong gusto na kumuha ng insurance agad, eh kakahire palang naman niya sa first job niya. 🤔

Naamaze ako sa sagot nya sakin - pwedeng pwede naman daw siya mag-invest at bumili ng mga properties anytime nya gustuhin. Pero ang insurance daw, di na niya pwede bilhin once na may sakit na siya.

May point naman siya. Life insurance is something that we cannot buy with money alone but with our health as well.

Kaya habang bata ka pa at healthy ka pa, take advantage of this and apply for an insurance policy right away.

If ikaw din, gusto mo din itake advantage na maapprove while young and healthy ka pa, message me. Let me help you! 🌞❤️

12/03/2024

Vanessa B Ganigan LFA

Mga KKK...,ko Kaibigan, kaopisina, kaklase, kamag-anak, kakilala, kapitbahay......
Don't delay availing your life insurance! It's more affordable when you're young.
Sa dami ng nangyayari sa mundo, its better to be prepared than never.
Minsan baka sa kahihintay mo ng sign, baka hindi ka na insurable. 😢
Tomorrow is not guaranteed. Let's begin what you can do today.
Pm for free Financial Planning Session and Sample Quotation. 💛

11/03/2024

Vanessa B Ganigan LFA

Narinig mo na ba ang Guaranteed Savings Plan from Sun Life?

Usapang SUN SMARTER Life ELITE Peso 5/10 vs VUL 🙂

Ito ay 5/10 year payment na may Guaranteed Savings, dahil 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 daw?
Magbibigay si Sun Life ng guaranteed 8% ng face amount after paying on the 6th year of the policy kada 2 taon ang pagbigay hanggang tumanda ka until age 100. Diba ang ganda, may pension ka until you reach 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 4%)
✅ 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 kayang mag-save ng 10K+ or more per quarter 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. kaya walang risk.
🙂 🙂 🙂
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 starts at 650/month (Depending on your capabilities and needs, talk to me know more)
✅ Flexible ang payment period
✅Okay sa long term investing (May risk dahil Taas baba ang fund sa market)
✅ Mas affordable kesa sa Elite 🙂

05/03/2024

📌EDUCATIONAL PLAN FOR YOUR KIDS 😍

17/01/2024

Lifetime pension for your baby 😍

15/01/2024

19/12/2023

Five things you should never do with your salary.