Kyrene Fernandez - Financial Advisor, Sun Life Philippines

27/10/2021

12/10/2021

Don't just save, save and invest! 🌞

07/10/2021

🔸️Did you know that Manuel Luis Quezon, our president during that time of WW2, was a Sun Life policyholder?

🔸️With no proof or any certification to support the death claim of her late husband, Doña Aurora Quezon was still able to receive the insurance proceeds. She was one of the many Filipinos who were able to get claims from Sun Life during the darkness times of their generation. The effects of war did not stop Sun Life in diligent fulfilling its promises to its clients.

🔸️In 1946, Aurora Quezon also got her own policy from Sun Life.

❤If you also want to express your LOVE for your family thru insurance, or simply would want to secure yourself and your family in terms of wealth and health protection, Please don't hesitate to ask me now. PM is the🔑



Ccto

30/09/2021

Another Promise Delivered 🧡✅

Today, A client who was diagnosed with Cervical Cancer Stage 2 at the age of 54 yrs old received this cheque from Sunlife.

Who would have thought that 5-months ago this client was very hesitant in getting a plan. But as faith would have it, she signed-up for a policy and now she’s a living proof of the saying that “It’s better to have it and not need it, than to need it and not have it.” 👨🏻‍💻✍🏼🎗

Minsan ang akala nating “Gastos lang and insurance” un po ang sasalba sa atin sa oras ng pangangailangan...

This check turned a challenging time into a JUBILANT moment. It brought HOPE to this client and her family. More importantly, it gave them a generous amount of INSPIRATION to keep fighting the good fight and that all things will be BRIGHTER in the future. 🌞🙏🏼💛

26/08/2021

A PROMISE IS A PROMISE 💟

My 29 year old friend/client was diagnosed with cancer. Ang bata pa. 🥺 hindi ko inexpect.

December 2020, kumuha siya ng Policy na may investment component. Sabi ko, “Girl, lagyan natin ng critical illness benefit, sa next policy ka na mag focus sa investment. Mas okay na may health funding tayo if ever magkasakit tayo.”

Ayaw niya pa sanang lagyan ng health funding, pero na-realize niya yung importance nito after sharing my presentation.

Three months after (March 2021) nagkaroon siya ng cancer. 🥺 “Jes, may cancer ako, at kinailangan ng major operation. Naubos yung coverage sa health card ko. At halos wala na rin yung naipon ko.”

I filed a claim, Thank God lagpas na ng 90 days yung diagnosis niya from the time na na-approved yung insurance plan niya. Also, the doctor confirmed that the illness was not pre-existing from the time na nag apply siya. 🙏

Ngayon, mas na-realize ko yung importance ng trabaho ko. I will continue to serve my kababayan. I will help them prepare for the uncertainties and achieve a lifetime financial security.

Hindi ako masaya sa nangyari sa client ko. Walang gustong may magkasakit. Walang may gustong may nahihirapan. Given the situation, hindi madaling magkasakit, sobrang mahal. 💸Pero masaya akong makatulong, sa paraang kaya ko at alam ko.

I will deliver this cheque to my client.
𝗦𝗨𝗡 𝗟𝗜𝗙𝗘 𝗜𝗦 𝗧𝗥𝗨𝗘 𝗧𝗢 𝗜𝗧𝗦 𝗣𝗥𝗢𝗠𝗜𝗦𝗘!
Pangakong hindi napapako. ♥️

Use this fund for your complete recovery at makapag start ulit. (From P6k premium to P###,###)🙏

-
Original Post by Ms. Jesemil Alianza

23/03/2021

Cervical Cancer at 35 years old.

My client and friend since school days never expected this to happen and at such a young age. Battling against cancer is never easy. It drains the patient physically, emotionally and financially. Sobrang hirap daw pero lumalaban sya para sa family nya.

Though, as per our convo, God is still good kasi He prepared her finances early on. How? By getting a Life Insurance plan with Critical Illness Benefit rider 4 years ago.

I am proud of my friend for being a responsible wife and mother ever since. Kahit nun pa lang believer na daw sya ng insurance.

The fight is not yet over. Please pray for her and all cancer warriors to give them strength in their battle. 🙏

03/02/2021

Your child's college education goal is always uncertain as their interest keeps on changing. Addition to that, inflation on education cost is much higher in general. Better to prepare for the best, rather than regret later. 😉

01/02/2021

☂️By the time people realize they need life insurance, it may be too late to get one.

29/01/2021

REALITY CHECK: Inflation of prices happen annually. Which will affect your savings set for the future/retirement fund

So, how much do we really need to save up for our retirement fund?

Simple computation:
1st: Identify your monthly expenses (ex. 50k)
2nd: multiply by 12 (50k x 12 = 600k)
3rd: multiply by ave inflation of 5% and no. of yrs left before retirement (600k x 1.05 x 30 yrs (press "=" button 30 times) = 2.6M)
4th: multiply by estimated no. Of retirement yrs (2.6M x 20 yrs = 52M 😱

Imagine if you just let your savings stay on your bank with .25% interest rate vs. putting your money on investments that has 8-10% interest rate

your P2,000 monthly in the bank will just be 747k in 30 yrs
vs.
your P2,000 monthly on investments (8% ave growth) will be 2.7M

As the saying goes, SPEND YOU MONEY WISELY and of course, SAVE your money WISELY too! 😉

21/01/2021

🧠An investment in knowledge pays the best interest indeed. It's never too much to think 10 steps ahead about your and your family's future. 👨‍👩‍👧‍👦

18/01/2021

9 TIPS for Financial Independence

🧮Calculate your current net worth (total debt - total assets)
Money cannot buy happiness. Look at your money-happiness benchmark when you are making plans

📝Make a budget plan according to your income, goals and discretionary spending

💳Strategize to pay off your debts effectively through either clearing the lowest amount of debt or the debt with the highest interest rates

💰Save smartly based on your long term or short term goals. Evaluate, adjust, and improve your plans every few months.

💸Divide your savings, be conscientious about your investing preparation and commit your time to achieve your goals

💑Be aware of your partner's needs and wants when you are living with someone. Decide and stick to an arrangement together.

☂️Be familiar with your insurance coverage, deductibles and limitations to avoid extra costs.

🛡️Prioritize your emergency fund before your savings and investment even if you may have insurance protection in place.

17/01/2021

Your child’s education cannot be postponed.🙅‍♀️ Start investing EARLY so you can manage it better.💰