Charm Estrada - Licensed Insurance Advisor

29/05/2026

Good News!

Sun Life has now resume accepting clients WORKING IN THE MIDDLE EAST, effective immediately.

☀️☀️☀️

18/05/2026

Not your ordinary VUL story.

My clients know this: I advocate for traditional and term insurance first. But I also present VUL as an option — with complete transparency. I explain both the pros and cons because I want every client to make informed financial decisions, not emotionally driven ones.

Sharing one of my client’s VUL journeys (posted with permission).

This is a 10-year pay plan that started in 2014. The client completed the payment period last December 2024.

When we initially reviewed the policy after completion, the difference between the total premiums paid and the fund value was only around ₱40,000.

Think about that for a moment:
For roughly ₱40,000 in net cost, the client enjoyed years of life insurance protection amounting to ₱1 million. Total premiums paid were around ₱287,000, while the death benefit remained at ₱1.2 million throughout the coverage period.

After conducting a policy benefits review, I recommended transferring the fund allocation to a Global Growth Fund to maximize potential recovery and growth opportunities. Upon checking tonight, the fund value has already grown to around ₱278,000.

If you compute it differently, the client practically secured long-term life insurance coverage for only around ₱9,000 in actual cost over the years.

The policy’s monthly admin charge is only ₱150, and the client also received a loyalty bonus on the 10th year. Additional loyalty bonuses may continue every 5 years thereafter, depending on company performance.

Let me reiterate this clearly:

VUL is NOT primarily an investment vehicle.

It is insurance first — with an added investment component that may help clients build funds for future goals like business, travel, education, estate planning, or legacy creation.

When explained properly and used correctly, VUL should not be complicated.

The problem is not always the product. Sometimes, it’s the expectation set at the beginning.

That’s why it’s important to sit down, listen carefully to your options, and work with an advisor who explains both the opportunities and the risks honestly.

Financial planning is never one-size-fits-all. The right solution will always depend on your goals, responsibilities, timeline, and priorities.

Charm Estrada
Licensed VUL and Trad insurance advisor
Licensed UITF Sales Person by Trust Officers Association of the Philippines

01/05/2026

If you’re earning well already,
your money shouldn’t be idle.

Most professionals and business owners I speak with today have the same situation:

May extra cash
But naka-park lang

Right now, there’s a time-bound opportunity that offers:

4.5 percent guaranteed annual income

Available from May 4 to May 25
Or until maubos ang allocation

This is not about chasing returns.

This is for people who:
Value stability
Prefer predictability
Make structured financial decisions

Simple lang.

You worked hard for your money.
It should be working too.

For many of my clients, this becomes:
Short-term parking
With income
While waiting for bigger opportunities

If this sounds like something that fits your current setup,

Message me “4.5”
I’ll walk you through it simply

No pressure

31/03/2026

31/03/2026

If you have 10M na naka park lng sa bank, you can invest in Sunlife. Receive 425k yearly (tax free) for 7 yrs. Insured ka ng 12.5M and after 7 yrs ibabalik ang 10M mo. Message me for more info.

18/03/2026

Lord, ikaw lahat to 🙏🏼

14/03/2026

Honored to be invited to the Sun Achievers Summit for selected Sun Life advisors. 💛✨

Truly grateful for the opportunity to learn from the De La Salle Green Archers, UAAP champions, as they shared their journey on developing a winning mindset and overcoming challenges.

One thing that stood out to me is that champions are not defined by easy victories, but by their perseverance, discipline, and ability to rise after every setback. Their stories remind us that success is built through consistent effort, teamwork, and belief in the mission.

As a Sun Life advisor, this resonates deeply with our purpose. Every day we face challenges, rejections, and obstacles, but just like champions, we keep showing up for the people we serve.

The champion mindset is not just for athletes—it’s for anyone committed to making a difference. 🏆