Sunlife of Canada Phils.-FA IJ

20/09/2025

25/02/2025

☀️APPLICATION for Life Insurance.

Yes, it is an APPLICATION.
Just like applying for a visa, you can either be APPROVED or NOT.

One of the major reasons for DECLINED applications is HEALTH/MEDICAL CONDITIONS.

Kaya, Apply na!!! While you are young and healthy. Start saving today! 😎

And this is also the main reason why your ADVISORS are soooo "makulit" in following up for your "YES" for an appointment.. 😂

Simply because, we know the value of your HEALTH and TIME. You should be, too 🥰

It’s never too late to start. Better do something today than nothing at all. Asking or inquiring is free of charge, no strings attached ☺️

Take your 1st step to a ☀️

I’m here to help you and be your

02/11/2023

Making Lives Brighter since 2017 💛

12/04/2023

The same concept of buying a value meal sa mga fast food chains applies to having a VUL.

Kapag bumibili ka ng fastfood, rather than buying everything separately, we go for the combo meals. Una, kasi disocunted yung price at pangalawa, we get to have many things all in one.

In VUL, you can also hit two birds with one stone. Una, grow your money with investment. Pangalawa, you are safe and protected with an insurance plan


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ctto TheGlobalFilipinoInvestors

12/04/2023

Hindi masama tumulong sa pamilya pero please save/invest for yourself.


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25/03/2023

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20/03/2023

Why do you need LIFE INSURANCE?

This is my usual convo with prospects,

Client: Sir Advisor, pwede ba mag-invest? Yung mutual fund sana para mag-grow yung ipon ko.
Advisor: Okay, pero teka lang. May insurance ka na ba?

Client: Ha? Insurance. Wala pa. (sabay kamot ulo)
Advisor: Bakit wala pa?

Client: Malakas pa ko tsaka di ko pa kailangan niyan.
Advisor: (Sakto healthy pa si client) Ayun nga yung point, dapat healthy ka pa at di mo pa kailangan. Sa tingin mo ba by the time na kailangan mo sa siya, insurable ka pa kaya non?

Client: (napa-isip ng malalim) di na? Pero pag namatay naman ako di ko na kailangan ng pera.
Advisor: Totoo Sir na di mo na kailangan ng pera. Pero paano yung pamilya mo? Di ba nila kailangan yun? Paano yung tuition ni junjun? Ee yung bahay na naka-loan baka marimata. San na titira yung pamilya mo?

Client: Sige na nga ipaliwanag mo na nga sakin yan. Papatayin mo ko agad sa kaba sa sinabi mo eh.
Advisor: 😂

Lesson:
You don't buy life insurance because someone has to die.
"You buy life insurance because someone has to CONTINUE LIVING."

08/03/2023

Client Convo Diaries

Client: Juan, actually okay naman yung explanation mo kaso ayoko talaga ng long term commitment, bata and healthy pa naman ako.

Me: I understand. Anyway, Ma'am, nabanggit nyo mahilig kayo travel pala kanina.

Client: Oo. Minsan nakaabang ako sa piso fare pag meron.

Me: Ah okay. Ask ko lang noh, pag nagbobook po ba kayo, do you book it 2 weeks in advance, a month or 6 months before?

Client: Hindi, usually a year before pa.

Me: Ganon din po ba sa hotels?

Client: Yes. Usually para mas mura.

Me: I see. Actually same concept lang naman yan ng diniscuss natin. Starting your retirement plan now is the same as booking a plane ticket. Pag mas maaga, mas insurable pa kayo and the rates are much lower since lower risk kayo.

Client: Pero yun is 1 year lang naman in advance, hindi naman katagalan.

Me: Yes maam. Pero your holiday is usually 5 days lang diba? Retirement life lasts long hanggang 20 years. Retirement is the longest holiday of your life. So let me ask you, do you want a business class retirement or economical?



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02/03/2023

FAQ: What's a VUL?

Variable Universal Life (VUL) is an investment-link insurance, meaning it offers both life coverage and an investment feature.

Features:

1. Life Insurance - It guarantees certain amount pass on to your family in case something happens to you. They'll be assured of continuing income and address final expenses.

2. Investment Funds - It gives you potential return. Since the underlying assets are bonds and stocks, historically, they're known to beat inflation and gives better returns.

3. Professional Management - You have instant knowledge and expertise given by the fund managers, as they manage the funds for you.

4. Diversified - It gives you opportunity to have a basket of investments. You are invested in several companies. Being diversified is a good practice to manage risk.

This is just one of the many options you have when it comes to investing. Learn about other options as well, and decide for yourself which one is best for you.

If you want to learn more about your options, PM me for a free discussion. I will gladly answer your concerns. 😉

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Let's plan yours.

Irish Joy B. Daya
Financial Advisor

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19/02/2023

16/02/2023

TWO HUNDRED FIFTY THOUSAND PESOS JUST RIGHT NOW 😭😭 😭
SALAMAT SUN LIFE 😍

Sun Life is true to it's word 😭😭😭

As Sun Life Financial advisor, hindi namin sinasabi na kapag kumuha ka ng plan sa amin, yayaman ka. Ang sinasabi namin, kapag kumuha ka ng plan, whatever happens sayo or sa family mo, andito si Sun Life to catch you when you fall. ❤️

Last December 26, kinailangang dalahin ang aming kapatid sa hospital sa Lucena City dahil sa nahihirapan syang huminga, lumaki na ang tiyan nya at naninilaw ang kanyang mga balat. She was in a critical condition. Day after, na advise kami ng Doctor na kailangan si ate na itransfer sa Philippine Heart Center for IMMEDIATE HEART OPERATION for Replacement of Heart Valve Open Heart Surgery.

The operation alone costs a lot of money. And we really can't provide the 400,000 downpayment on time. What we had that time was just 150,000 pesos. Kailangan mabuo ang 400,000 para mae-schedule sya for operation. Until, nabuklat ng kapatid ko na si Kuya Marlo na mayroon syang Sun Life Policy ( FlexiLink - Php 1,000 per month). Its a VUL product, an insurance with investment. She has a Critical Illness Benefit rider worth 250,000. Mabuti ang Panginoon. Nagawa naming i-guarantee ang INSURANCE ng ate namin. Tinanggap ng mababait ng admin ng PHC ang Sun Life Policy bilang dagdag sa downpayment 😭😭

Dahil sa tulong ng isang mabuting Congresswoman Sa aming lugar, dahil sa PHC administration, dahil sa pagmamahal naming magkakapatid sa kapatid namin, dahil may mabuting Diyos, at dahil MAY POLICY sya sa SUN LIFE, naoperahan ang kapatid namin and ngayon nagpapagaling na sya 😍

Sun Life is true to it's promises.

I'm posting this to encourage everyone that there is a BRIGHTER LIFE IN SUN LIFE. Dumaan kami sa pagsubok na madilim, mahirap at nakakapagod pero salamat kay Sun Life dahil ginawa nitong maliwanag ang buhay ng kapatid namin.

The lessons that we learned that we want to share to you are:
1. Make sure na may enough funds para sa mga SAD events. Hindi natin alam kung kailan to mangyayari.
2. Dapat may SAPAT tayong Health coverage. Kung nagkataon sana na malaki ang coverage ng ate namin, hindi kami mas nahirapan ng subra. Always update your Health coverage.
3. Kung hindi mo kayang maglaan ng maliit na amount para sa insurance, mas mahihirapan kang iprovide ang finances when SAD events attack

❗️Contact your advisor now and review your policy kung sapat ba ito.
❗️Kung wala ka pang Insurance, you can contact me or any Sun Life advisor you know to have one.
❗️Its better to have now than never.
❗️ Hindi lang dapat ikaw ang meron, dapat buong family mo.

A brighter life ahead to everyone.

Kaya subrang proud akong sabihin na - KAMING LAHAT NA MAGKAKAPATID AY MAY SUN LIFE POLICY!! Dahil kay Sun Life, may brighter life.



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