Kharine U. Catibog, Financial Advisor

01/02/2026

𝐇𝐌𝐎 𝐯𝐬. 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞: 𝐀𝐧𝐨 𝐧𝐠𝐚 𝐛𝐚 𝐚𝐧𝐠 𝐩𝐢𝐧𝐚𝐠𝐤𝐚𝐢𝐛𝐚? 🤔

🏥 𝐇𝐌𝐎 (𝐇𝐞𝐚𝐥𝐭𝐡 𝐌𝐚𝐢𝐧𝐭𝐞𝐧𝐚𝐧𝐜𝐞 𝐎𝐫𝐠𝐚𝐧𝐢𝐳𝐚𝐭𝐢𝐨𝐧) 𝖳𝗁𝗂𝗇𝗄 𝗈𝖿 𝗍𝗁𝗂𝗌 𝖺𝗌 𝗒𝗈𝗎𝗋 "𝖣𝖺𝗂𝗅𝗒 𝖯𝖺𝗌𝗌" 𝖿𝗈𝗋 𝗁𝖾𝖺𝗅𝗍𝗁. * 𝗨𝘀𝗲 𝗖𝗮𝘀𝗲: 𝖯𝖺𝗋𝖺 𝗌𝖺 𝖼𝗁𝖾𝖼𝗄𝗎𝗉𝗌, 𝗅𝖺𝖻 𝗍𝖾𝗌𝗍𝗌, 𝖺𝗍 𝗆𝗂𝗇𝗈𝗋 𝖾𝗆𝖾𝗋𝗀𝖾𝗇𝖼𝗂𝖾𝗌.

𝗛𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝘀: 𝖢𝖺𝗌𝗁𝗅𝖾𝗌𝗌 𝗌𝖺 𝖺𝖼𝖼𝗋𝖾𝖽𝗂𝗍𝖾𝖽 𝗁𝗈𝗌𝗉𝗂𝗍𝖺𝗅𝗌.

𝗧𝗵𝗲 𝗟𝗶𝗺𝗶𝘁: 𝖬𝖺𝗒 𝖼𝖺𝗉 𝖺𝗇𝗀 𝖼𝗈𝗏𝖾𝗋𝖺𝗀𝖾 (𝖾.𝗀., ₱𝟣𝟢𝟢𝗄). 𝖪𝖺𝗉𝖺𝗀 𝗅𝗎𝗆𝖺𝗉𝖺𝗌 𝖺𝗇𝗀 𝖻𝗂𝗅𝗅, 𝗌𝖺𝗀𝗈𝗍 𝗆𝗈 𝖺𝗇𝗀 𝗄𝗎𝗅𝖺𝗇𝗀.

𝗢𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽: 𝖬𝗈𝗌𝗍𝗅𝗒 𝖾𝗆𝗉𝗅𝗈𝗒𝖾𝗋-𝗉𝗋𝗈𝗏𝗂𝖽𝖾𝖽. 𝖯𝖺𝗀 𝗋𝖾𝗌𝗂𝗀𝗇 𝗆𝗈, 𝗐𝖺𝗅𝖺 𝗇𝖺 𝗋𝗂𝗇 𝖺𝗇𝗀 𝖼𝖺𝗋𝖽. 🛑

🛡️ 𝐇𝐄𝐀𝐋𝐓𝐇 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝖳𝗁𝗂𝗇𝗄 𝗈𝖿 𝗍𝗁𝗂𝗌 𝖺𝗌 𝗒𝗈𝗎𝗋 "𝖥𝗂𝗇𝖺𝗇𝖼𝗂𝖺𝗅 𝖲𝖺𝖿𝖾𝗍𝗒 𝖭𝖾𝗍." * 𝗨𝘀𝗲 𝗖𝗮𝘀𝗲: 𝖯𝖺𝗋𝖺 𝗌𝖺 𝗆𝖺𝗃𝗈𝗋 𝗁𝗂𝗍𝗌 (𝖢𝖺𝗇𝖼𝖾𝗋, 𝖲𝗍𝗋𝗈𝗄𝖾, 𝖧𝖾𝖺𝗋𝗍 𝖠𝗍𝗍𝖺𝖼𝗄).

𝗛𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝘀: 𝖬𝖺𝗄𝗎𝗄𝗎𝗁𝖺 𝗆𝗈 𝖺𝗇𝗀 𝗟𝘂𝗺𝗽 𝗦𝘂𝗺 𝗖𝗮𝘀𝗵 (𝖾.𝗀., ₱𝟣𝖬) 𝗎𝗉𝗈𝗇 𝖽𝗂𝖺𝗀𝗇𝗈𝗌𝗂𝗌. 𝖪𝖺𝗁𝗂𝗍 𝗌𝖺𝖺𝗇 𝗄𝖺 𝗆𝖺𝗈𝗌𝗉𝗂𝗍𝖺𝗅, 𝖼𝗈𝗏𝖾𝗋𝖾𝖽 𝗄𝖺! 💰✨

𝗢𝘄𝗻𝗲𝗿𝘀𝗵𝗶𝗽: 𝖯𝖾𝗋𝗌𝗈𝗇𝖺𝗅 𝗆𝗈 𝗂𝗍𝗈𝗇𝗀 𝖺𝗋𝗂. 𝖪𝖺𝗁𝗂𝗍 𝗆𝖺𝗀-𝗋𝖾𝗍𝗂𝗋𝖾 𝗄𝖺 𝗈 𝗆𝖺𝗀𝗉𝖺𝗅𝗂𝗍 𝗇𝗀 𝗃𝗈𝖻, 𝗉𝗋𝗈𝗍𝖾𝖼𝗍𝖾𝖽 𝗄𝖺. 💪

✨ 𝐒𝐨, 𝐚𝐧𝐨 𝐚𝐧𝐠 𝐝𝐚𝐩𝐚𝐭 𝐦𝐨𝐧𝐠 𝐩𝐢𝐥𝐢𝐢𝐧? ✅ 𝐇𝐌𝐎 𝗂𝗌 𝗀𝗈𝗈𝖽 𝖿𝗈𝗋 𝗌𝗆𝖺𝗅𝗅 𝖾𝗑𝗉𝖾𝗇𝗌𝖾𝗌, 𝖻𝗎𝗍 𝗂𝗍 𝗁𝖺𝗌 𝗅𝗂𝗆𝗂𝗍𝗌.

✅ 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝗉𝗋𝗈𝗍𝖾𝖼𝗍𝗌 𝗒𝗈𝗎𝗋 𝗅𝗂𝖿𝖾 𝗌𝖺𝗏𝗂𝗇𝗀𝗌 𝖿𝗋𝗈𝗆 𝗆𝖺𝗃𝗈𝗋 𝖼𝗋𝗂𝗌𝖾𝗌.

🏆 𝗣𝗿𝗼-𝗧𝗶𝗽: 𝖳𝗁𝖾 𝖻𝖾𝗌𝗍 𝗌𝗍𝗋𝖺𝗍𝖾𝗀𝗒? 𝖧𝖺𝗏𝖾 𝖻𝗈𝗍𝗁! 𝖴𝗌𝖾 𝗒𝗈𝗎𝗋 𝖧𝖬𝖮 𝖿𝗈𝗋 𝗍𝗁𝖾 𝖼𝗁𝖾𝖼𝗄𝗎𝗉𝗌 𝖺𝗍 𝖺𝗇𝗀 𝖧𝖾𝖺𝗅𝗍𝗁 𝖨𝗇𝗌𝗎𝗋𝖺𝗇𝖼𝖾 𝗉𝖺𝗋𝖺 𝗌𝖺 𝗆𝖺𝗅𝖺𝗄𝗂𝗁𝖺𝗇𝗀 𝗀𝖺𝗌𝗍𝗎𝗌𝗂𝗇.

𝗜𝗡 𝗦𝗛𝗢𝗥𝗧: 🔹 𝐇𝐌𝐎 = 𝖲𝖺𝗀𝗈𝗍 𝖺𝗇𝗀 𝗁𝗈𝗌𝗉𝗂𝗍𝖺𝗅 𝖻𝗂𝗅𝗅𝗌.

🔹 𝐇𝐞𝐚𝐥𝐭𝐡 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 = 𝖡𝗂𝖻𝗂𝗀𝗒𝖺𝗇 𝗞𝗔 𝗇𝗀 𝖼𝖺𝗌𝗁 𝗉𝖺𝗇𝗀-𝗋𝖾𝖼𝗈𝗏𝖾𝗋𝗒.

𝖣𝗈𝗇'𝗍 𝗐𝖺𝗂𝗍 𝗎𝗇𝗍𝗂𝗅 𝗒𝗈𝗎'𝗋𝖾 𝗌𝗂𝖼𝗄 𝗍𝗈 𝗀𝖾𝗍 𝗉𝗋𝗈𝗍𝖾𝖼𝗍𝖾𝖽. 🛡️

📩 𝐒𝐞𝐧𝐝 𝐦𝐞 𝐚 𝐃𝐌 𝐭𝐨 𝐜𝐡𝐞𝐜𝐤 𝐭𝐡𝐞 𝐛𝐞𝐬𝐭 𝐩𝐥𝐚𝐧 𝐟𝐨𝐫 𝐲𝐨𝐮!💛

#𝖧𝖬𝖮 #𝖧𝖾𝖺𝗅𝗍𝗁𝖨𝗇𝗌𝗎𝗋𝖺𝗇𝖼𝖾 #𝖥𝗂𝗇𝖺𝗇𝖼𝗂𝖺𝗅𝖥𝗋𝖾𝖾𝖽𝗈𝗆 #𝖨𝗇𝗌𝗎𝗋𝖺𝗇𝖼𝖾𝖯𝖧 #𝖶𝖾𝖺𝗅𝗍𝗁𝖯𝗋𝗈𝗍𝖾𝖼𝗍𝗂𝗈𝗇

04/09/2025

Ikaw, anong worry mo?

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04/09/2025

If we can do this now, why not?

Ber months are here! Kamusta na ang financial goals mo? 🤔

Working hard for the present is good. But working harder for your future is the best! 💛

Ready to plan a brighter future? Go to sunlife.co/talktoadvisor and talk to a Sun Life Advisor for a FREE financial need analysis today!

04/09/2025

Secured income, guaranteed returns.

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This trusted protection and savings plan offers GUARANTEED annual cash payout of 4% of the one-time payment, 100% return of premium at maturity, and life insurance coverage for 7 years — all these in one hassle-free insurance plan.

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Sun Life of Canada (Philippines), Inc. is regulated by the Philippines’ Insurance Commission (IC). For client assistance, know about our process at sunlife.co/SunLifeCAMS or contact: 02-8849-9888 | [email protected] | Sun Life Centre, 5th Ave. cor Rizal Drive, BGC Taguig. For consumer concerns, contact IC (Manila, Cebu & Davao): 02-8523-8461 | [email protected].

27/01/2022

Ending the year 2021. Thank you!

Glad and honored to be of service to my clients.

The pandemic somehow opened the minds of many people really how fragile life is. The reality becomes clearer. Financially, we must be more prepared. Jobs can be lost, business might slow down, and sadly lives can be gone.

Saving and setting aside for our future seems to be difficult. But we really have to put some thoughts and effort. Life can be much brighter.

I am more than willing to be of service to you dear friend. Let’s sit down, analyze and plan. 2022 might be the year for you.

06/12/2021

They chose to secure their health!!!

I am so proud of my dynamic,hardworking and open minded couple friend. At this stage of their life, they had a newly built home, growing kids, new car, flourishing career and most of all, they are building their portfolio with insurance (3 yrs ago the whole family got a VUL PLAN) and now, health protection.🎉🥂 I admire how they set on prioritzing things.

I once asked them, “ Parang andami nyong payables this time, considering in a span of a year ang dami nyong nadagdag na asset”. They answered, “pampasipag lalo eh, pag alam mong madami kang bayarin” 🤗

Yes they are a millenial, but they know what they want. They have a clear vision about their plans, when and how.

Gusto mo din ba ng ganito?

Mapapa- sanal all ka na lang. 🤗

I know many of us also want to get plans, pero minsan intimidating. Baka di kaya ng budget. Baka mahal. Well, there’s no harm in asking for a proposal that meets your budget and needs.

DM me in case you want one. Have a good day!

23/07/2021

That’s why respect is earned 🤔 It’s all about the attitude.

22/06/2021

A badge of recognition is indded an honor. It’s like a tap on the shoulder after a hard day’s work.

This was earned in 2020, a year of uncertainty. But then again, when one does an honest work, it will go unnoticed.

Hats off to my colleagues in the insurance world.

09/04/2021

How does one trully express love?
Much more, how does one go beyond love?

There are million ways in showing our family that we love them. How do you express yours?
❤️

09/03/2021

Hello 2021!

It was indeed a tough 2020. But it taught us a lot of things. Our priorities have changed. Our outlook have shifted. Our perspective became wider. Our goals more defined.

Let’s not wait fot the world to change to the way it used to be. Let us change ourselves and let the world see us.

Have an even brighter life!🤗

15/01/2021

Attending Sunlife Congress at th comfort of my home. But it feels so real like I am some Arena.

Thank you Sunlife for doing this!