Lhea B. Tolentino - Manulife Financial Advisor

27/07/2022

😍😍😍

21/07/2022

19/06/2022

When describing a father, the words we often use tend to suggest force and power: strong, brave, stern, haligi ng tahanan (pillar of the home), a hero.

While these are all fitting of the fathers and father figures who raised us to be who we are today, what they mean to us is so much more than just their strength and authority.

A father’s love that is warm and kind as it is reassuring—a bedtime story, a walk in the park, a comforting hug after a tough day, a smile you see from across the room, a simple note that says, “I’m proud of you”.

They may not show it in the grandest of gestures or say it in so many words, but we see it and we know. Let’s make sure they know, too, how much we appreciate themtoday and every day!

Happy Father's day! God bless you all!

16/06/2022

Let Manulife Horizons help you achieve your financial goals while being protected, so you can live every day better!

PM me if you want to know more.💚

14/06/2022

Choose a Manulife investment-linked insurance plan for life protection while growing your assets from funds that are invested globally!

13/06/2022

Why should you get a term insurance?

Secure your loved ones
Guaranteed protection coverage for your family’s security.

Auto-renewal option
Conveniently renew your coverage annually or every 5 years.

Convert to lifetime coverage
Convert to a permanent plan and get covered for life.

Boost your coverage
Enjoy extra coverage by adding Critical Illness rider and other supplementary benefits to enhance your existing coverage, and help you financially when most needed.

*Premium amount depends on client's age, coverage, and medical rating. Minimum coverage period applies.

10/06/2022

Why should you get it?

Manulife FutureBoost is an affordable life insurance plan with investments, designed to hustle with you and reward you with bonuses so you can secure every stage of your life.
Get rewards on your plan for paying on-time, paying more and staying loyal, to grow your funds further.

You may increase your coverage anytime you need it with options to further boost it with various add-on protection benefits.

Access a variety of expertly-managed funds which can let you ride on local and global growth opportunities.

Talk to us!

09/06/2022

What insurance fits you best?
Insurance solutions can even be tailor-fit to your various needs depending on where you are in life

Financial stability is not only about being able to provide for your immediate needs; it’s also about being prepared for what might happen. Many of us are just one sickness, or one accident, or one crisis away from financial downturn. Insurance can serve as your security blanket, providing you with emergency funds for when you or your family need it the most.

The good news is that insurance plans have become more inclusive and are no longer just limited to matters of illness or death. Insurance solutions can even be tailor-fit to your various needs depending on where you are in life. Educational plans, for instance, are for those who want to secure their children’s future amid the continuously rising cost of college education. Retirement plans, on the other hand, are for those who would like to maintain their lifestyle even after retirement. There are health insurance packages that can cover medical bills, whether for unforeseen health problems or for unfortunate accidents. Life insurance plans protect your family from experiencing financial burden in case of disability or death. You can also customize your plans through riders or add-on benefits based on more specific needs such as critical illness coverage, hospitalization income benefit, annual education benefit, and child protection. In short, insurance gives you peace of mind against the various risks of life.

Besides serving as a risk management tool, insurance plans can also serve as an investment vehicle. In traditional life insurance plans, the customer has guaranteed living and/or death benefits but does not have control over the investment decisions that grow their plan, instead relying on a fixed schedule for receiving cash payouts. Today, however, there are plans that allow you to potentially receive higher payouts depending on your risk appetite and the performance of financial markets. Variable life insurance is an example of this. Part of the payment goes to buying units from different investment funds, allowing the customer to participate in the potentially higher yields of stocks and bonds and thereby likely increasing the long term value of their savings. They may even be allowed to increase or “top up” their plans, enabling them to boost their savings profiles even further.
Insurance is by itself already an effective tool for dealing with the financial impact of the various uncertainties in life. Now, it can also serve as a vehicle for accelerating your ability to reach your goals.

Contact a financial advisor and see what insurance can do for you.

For more details book an appointment with us!
Monday to Saturday or contact us through
Email add: [email protected] or [email protected]
Contact Number: 09123225139 or 09199483025
We want to hear from you!🙂🙂🙂

08/06/2022

A Simple Financial Guide for Newly-Weds
Have you talked about how to manage your finances?

Most newly-weds ask themselves this: “How are we going to raise a family?” Obviously, money is one of the answers to the question. The challenge, however, is figuring out how to manage your money so that you have more than enough for your needs, planned or otherwise. So, here are several things you can do:

Develop a budget mindset.
Many people are turned off by the idea of budgeting because it feels like they’ll be losing out on the fun things in life. But since you’re married, your family is now your priority and you need to be mindful of how you spend. For starters, try what is called the envelope system for budgeting money. Here's how it works:

Determine the items you need to pay for every month (groceries, gas, electricity, entertainment and so on)
Give each item an envelope and mark each accordingly. Determine how much money is needed for each item and fill the corresponding envelope with the exact amount of cash (how much is for groceries, for gas, for entertainment and so on)
As much as possible, try to spend only what is inside those envelopes.

Track spending
Soon-to-be parents need to have a clear picture of how much they are earning, how much is being spent and where is it being spent.
One way of tracking your spending is to create a spreadsheet detailing all your expenses each month. You can find a variety of templates online, available for free. There are also free smartphone apps that can help track your spending.
At the end of each month, sit down with your partner, review your spreadsheet and decide which things you should spend less on and which ones you can probably live without.

Have an Emergency Fund

It’s always wise to set aside around 3-6 months’ worth of your salary should anything unfortunate or unplanned happen, such as a natural disaster, a major house renovation, sudden illness in the family, or loss of employment.
Having an emergency fund means you don’t have to borrow money and be in debt, and it provides you some peace-of-mind.

Think about passive income

Passive income is an additional source of money that requires little effort or involvement from you. It could be a small side business, real estate, and savings in a high-interest bank account or a venture into investing.
Yes, your monthly salary can cover your bills and pay for the occasional vacation. But wouldn’t it be better if you had two or three additional sources of passive income to speed up the growth of your savings?

Get insurance

Because anything can happen at any time, think of insurance as a buffer from financial problems. Moreover, insurance is also a source of income, it provides coverage from critical illnesses and disability, and is a great way to build your wealth.

If you have questions about a plan or need advice on how to secure your family’s future, contact us today.

03/06/2022

Did you know that getting insurance can also benefit you now and not just after death? 😮 Here are some reasons why it’s important to get insurance now. 💚

03/06/2022

What is Manulife Horizons?
Manulife Horizons is an affordable investment-linked life insurance plan that gives you life protection coverage, and lets you grow your money at same time.

*Look after your loved ones
Get peace of mind with more protection coverage for your family.

*Access your funds anytime
Withdraw money from your fund whenever you need to.

*Control your investments
Choose from various investment funds to help you get the best possible returns.

*Get rewarded for staying invested
For as long as premiums are paid, a loyalty bonus will be credited to your account value starting on the 10th year.

*Build your funds faster
Top up your investments anytime.

*Boost your wealth faster
Your life insurance plan is packed with potential wealth-building value through Manulife’s investment funds. You get to choose among different funds that invest in some of the largest and most profitable companies in the world.

We're here to help you plan for your future!
Send us a message now☺️

02/06/2022

4 Powerful Ways to Take that First Step to Where You Really Want to Be
Don’t let fear and self-doubt hold you back, live the life you’ve always dreamed of

“Can I finally make it on my own?” “Can I still start over?” “Am I making the right choice?” These questions often plague our thoughts before making a big decision that could change our lives for the better. And while the answers are sometimes too obvious (yes, yes, and yes!), it’s perfectly normal—and human—to hesitate a little, overthink, or second guess yourself.

Just remember that it is in these moments when you’re close to backing down that you should be braver, bolder, and smarter. Take that leap of faith and do it! Whether it’s fulfilling a lifelong passion, raising a family, building financial security, or achieving independence, there’s no shame in wanting to be better, to dream bigger, to start over.

What’s important is that you finally take that first step that will bring you closer to where you really want to be. No matter your dreams, goals, and exciting new destinations, here are 4 powerful ways to overcome self-doubt and live the life you always wanted.

Don’t be afraid of fear. Understand the roles fear and self-doubt play in your life. They’re often there to protect you from making any rash judgment. However, while questions like “I’m afraid I’m going to fail.” “What if they laugh at me?” “What if I don’t have what it takes?” may pop up in your thoughts sometimes that doesn’t mean you have to listen to them. Consider the root of your fears and doubts and decide whether they’re valid or not. Remember, you control your life, not them.

Think about the worst-case scenario. Fear and self-doubt can distract you from thinking beyond the next step, which cuts you off from seeing the bigger picture. When you envision yourself dealing with the potential difficulties and challenges that come after a life-changing or career-defining decision, it’s easier to remove the “mystery of fear” that makes a particular decision scary. Once you’re able to identify the possible setbacks, you can plan so that you’re better prepared and equipped to address them.

Find your tribe. If you have your eyes set on higher horizons, you need a support group or a community to help you take flight. Surround yourself with like-minded dreamers and doers who can push you and inspire you on your journey. They can be family, friends, colleagues, and mentors who can lift you up as well as keep you grounded.

Be brave. Whittle away your self-doubt by starting with the small decisions. And with every opportunity that you choose hope and action over fear, you’ll find your self-confidence start to bloom. And once you make it a habit—choosing your happiness over distress—you’ll soon find your power and feel unstoppable.

Regardless of where you are in life right now and where you want to go in the future, Manulife will help you get rid of the excess baggage and guide you in the right direction.

For more details book an appointment with us!
Monday to Saturday or contact us through
Email add: [email protected] or [email protected]
Contact Number: 09123225139 or 09199483025
We want to hear from you!🙂🙂🙂