Jacq Frianeza-Labo - License Financial Advisor, Sunlife

23/10/2025

A few years ago, I met someone who told me, “Ayoko ng insurance, mahal kasi.”

Years later, I heard she was diagnosed with cancer. And guess what? The cost of her treatments was 10x more expensive than the policy she once declined. 💔

That moment reminded me of a hard truth: 👉 Insurance is not an expense. It’s protection. It saves families from financial collapse when the unexpected happens.

So before saying “mahal ang insurance”, ask yourself Have you checked how much it costs to fight cancer nowadays?

22/10/2025

𝑾𝒉𝒂𝒕 𝒊𝒇 𝒎𝒂𝒚 𝒍𝒊𝒇𝒆 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆 𝒏𝒂 𝒈𝒖𝒂𝒓𝒂𝒏𝒕𝒆𝒆𝒅 𝒂𝒏𝒈 𝒎𝒂𝒋𝒐𝒓 𝒃𝒆𝒏𝒆𝒇𝒊𝒕𝒔?

Yes! Our company launched its new life insurance plan "𝑺𝒖𝒏 𝑳𝒊𝒇𝒆 𝑺𝒆𝒄𝒖𝒓𝒆 𝑰𝒏𝒄𝒐𝒎𝒆"

Kung papasimplehan ko itong bagong plan sa Sun Life, it's a combination of 2 major benefits.
1️⃣ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞
2️⃣ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐂𝐚𝐬𝐡 𝐁𝐞𝐧𝐞𝐟𝐢𝐭𝐬 starting at the end of the 6th year of the plan.

For better illustration, kung ang kinuha mong 𝐅𝐚𝐜𝐞 𝐀𝐦𝐨𝐮𝐧𝐭 = ₱𝟏,𝟎𝟎𝟎,𝟎𝟎𝟎

✅ Your 𝐓𝐨𝐭𝐚𝐥 𝐋𝐢𝐟𝐞 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 = ₱𝟐,𝟎𝟎𝟎,𝟎𝟎𝟎 for your beneficiaries dahil laging 𝟐𝐱 𝐧𝐠 𝐅𝐚𝐜𝐞 𝐀𝐦𝐨𝐮𝐧𝐭 ang coverage ng plan dito ni client.

✅ At dahil ₱1,000,000 ang face amount, 𝟔% 𝐧𝐢𝐭𝐨 𝐚𝐧𝐠 𝐠𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐜𝐚𝐬𝐡 𝐦𝐨, which is ₱60,000 yearly until age 100. Magsisimula mo itong matanggap at the end of the 6th year.

✅ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐏𝐚𝐲𝐢𝐧𝐠 𝐘𝐞𝐚𝐫𝐬, also fixed ang paying years. Ang option mo ay 3, 5, 10 or kahit 15 years to pay pa. Pwedeng pwede. Pili ka lang depende sa budget mo.

✅ 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐂𝐨𝐯𝐞𝐫𝐚𝐠𝐞 𝐮𝐧𝐭𝐢𝐥 𝐚𝐠𝐞 𝟏𝟎𝟎, imagine, ilang years mo lang ito, tinapos bayaran pero covered ka na until golden years.

✅ Plus may 𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝𝐬 na pwede mong matanggap ay palakihin yearly for your future goals!

✅ Lastly, may unique living benefits ito na 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐂𝐞𝐧𝐭𝐞𝐧𝐚𝐫𝐢𝐚𝐧 𝐁𝐨𝐧𝐮𝐬, you can advance 𝟐𝟓% 𝐨𝐟 𝐭𝐡𝐞 𝐅𝐚𝐜𝐞 𝐀𝐦𝐨𝐮𝐧𝐭 from your Insurance Coverage at ages 80, 85, 90, and 95.

Illustration Centenarian Bonus (₱1,000,000 Face Amount)
Age 80: ₱250,000
Age 85: ₱250,000
Age 90: ₱250,000
Age 95: ₱250,000

Hindi mo kailangang mag-worry dahil this product is from 𝑺𝒖𝒏 𝑳𝒊𝒇𝒆 𝑷𝒉𝒊𝒍𝒊𝒑𝒑𝒊𝒏𝒆𝒔. Si Sun Life ang pinaka-una at longest standing life insurer in the Philippines for over 130 years!

𝐖𝐡𝐞𝐧 𝐭𝐨 𝐮𝐬𝐞?

𝟏. 𝐊𝐢𝐝𝐬 𝐜𝐨𝐥𝐥𝐞𝐠𝐞 𝐟𝐮𝐧𝐝
𝟐. 𝐑𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭
𝟑. 𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬
𝟒. 𝐓𝐫𝐚𝐯𝐞𝐥
𝟓. 𝐅𝐮𝐧𝐝 𝐟𝐨𝐫 𝐜𝐚𝐫/𝐡𝐨𝐦𝐞 𝐝𝐨𝐰𝐧𝐩𝐚𝐲𝐦𝐞𝐧𝐭
𝟓. 𝐏𝐚𝐦𝐚𝐧𝐚
𝟔. 𝐀𝐧𝐲 𝐨𝐭𝐡𝐞𝐫 𝐥𝐢𝐟𝐞 𝐠𝐨𝐚𝐥𝐬

𝗜𝗯𝗮 𝗶𝗯𝗮 𝗮𝗻𝗴 𝗺𝗮𝗮𝗮𝗿𝗶𝗻𝗴 𝗽𝗿𝗲𝘀𝘆𝗼 𝗻𝗴 𝗦𝘂𝗻 𝗟𝗶𝗳𝗲 𝗦𝗲𝗰𝘂𝗿𝗲 𝗜𝗻𝗰𝗼𝗺𝗲. Kung gusto mong malaman kung magkano ang plan na ito for you and your loved ones. Message me for more details. 📲

30/09/2025

Someone once said, ‘Skip the insurance, just invest.'
What they didn’t mention is that investments take years to grow, while hospital bills can wipe you out overnight.

Insurance is a lump sum of funds that’s ready from day one—no waiting, no delays, just protection when you & your family need it most.

ctto

30/07/2025

Client: Meron ba kayong life insurance plan na ibabalik ang bayad pag hindi nagamit?

OPO MERON PO! WITH MONEY BACK GUARANTEE!😍😍😍

Introducing Sun Life’s newest product 𝐒𝐔𝐍 𝐋𝐈𝐅𝐄 𝐒𝐀𝐕𝐄 𝐀𝐍𝐃 𝐏𝐑𝐎𝐓𝐄𝐂𝐓 💛

✅ 5 or 10 years to pay only
✅ 20 years coverage
✅ If after 20 years hindi nagamit or walang nangyari kay insured, ibabalik ang 100% - 140% ng ibinayad.
✅ Optional riders: Critical illness benefit, hospital income benefit
✅ This is a TRADITIONAL PLAN not VUL.

Sounds good? Feel free to send a message for more details and sample proposal. 😊

26/06/2025

𝐒𝐔𝐍 𝐋𝐈𝐅𝐄 𝐒𝐄𝐂𝐔𝐑𝐄 𝐈𝐍𝐂𝐎𝐌𝐄

✅Guaranteed 6% annual payout FOR LIFE! Pwede ka nang magkaroon ng early pension or passive income na parang may-ari ng apartment.
✅1 million Face Amount = 2 million life insurance coverage
✅Pay for 3, 5, 10 or 15 yrs only
✅Yearly cash dividends
✅Can assign contingent owner (meaning you can transfer plan ownership to your loved ones)
✅Centenarian Bonus

Message me to know more📩

24/06/2025

🛡 𝗥𝗘𝗔𝗟 𝗧𝗔𝗟𝗞: 𝗜𝗳 𝘆𝗼𝘂 𝗴𝗼𝘁 𝘀𝗲𝗿𝗶𝗼𝘂𝘀𝗹𝘆 𝘀𝗶𝗰𝗸 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄... 𝘄𝗵𝗼 𝘄𝗼𝘂𝗹𝗱 𝗽𝗮𝘆 𝘁𝗵𝗲 𝗯𝗶𝗹𝗹𝘀?

Your HMO?
Your savings?
Your family?
Or utang?

The truth is, 𝗮 𝘀𝗶𝗻𝗴𝗹𝗲 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀 𝗰𝗮𝗻 𝘄𝗶𝗽𝗲 𝗼𝘂𝘁 𝘆𝗲𝗮𝗿𝘀 𝗼𝗳 𝗵𝗮𝗿𝗱-𝗲𝗮𝗿𝗻𝗲𝗱 𝘀𝗮𝘃𝗶𝗻𝗴𝘀 — cancer, stroke, heart attack… kahit bata pa, pwedeng tamaan.

💔 I’ve seen families sell their cars, homes, and even pull kids out of school—𝗷𝘂𝘀𝘁 𝘁𝗼 𝗽𝗮𝘆 𝗵𝗼𝘀𝗽𝗶𝘁𝗮𝗹 𝗯𝗶𝗹𝗹𝘀.

But it doesn’t have to be that way.

𝗦𝘂𝗻 𝗙𝗶𝘁 𝗮𝗻𝗱 𝗪𝗲𝗹𝗹 𝗔𝗱𝘃𝗮𝗻𝘁𝗮𝗴𝗲 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗰𝗼𝗺𝗽𝗹𝗲𝘁𝗲 𝗵𝗲𝗮𝗹𝘁𝗵 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗼𝗻:

✅ Covers 100+ critical illnesses — from early to late stage
✅ Hospital income + life insurance
✅ Recovery & wellness benefits
✅ Can be fully paid in 10, 15, or 20 years — pero lifetime protection na
✅ With LIVING BENEFITS like guaranteed cash value, special paid-up bonus, may earn dividends and guaranteed cash benefit

💸 Instead of paying millions later, start with just ₱2K–₱5K/month today.

You insure your car. Your phone. Even your pets.

𝗕𝘂𝘁 𝘄𝗵𝗮𝘁 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝗛𝗘𝗔𝗟𝗧𝗛? 𝗬𝗼𝘂𝗿 𝗟𝗜𝗙𝗘?

💬 Message me today. Let’s create a plan that protects you and your family from the unexpected.

06/11/2024

Kung OFW ka, basahin mo ito para hindi masayang ang ilang taon na pagsasakripisyo.

Una, saludo ako sa inyo. Hindi biro ang makipagsapalaran sa lugar na hindi mo kabisado,at masakit sa dibdib na ‘di katabi sa pagtulog ang mga mahal mo.

• Bayaran at tapusin agad ang mga utang na ginamit pang-abroad, mas magandang walang utang na lumalaki. Mas makakaipon ka, bawas stress din.

• Mag-budget. Gasgas na gasgas na ito, pero makakatulong ito sa’yo para mas makapag-ipon. Unahin palagi ang ipon para sa sarili.

• Magpadala lang muna sa pamilya ng sapat. Kausapin ang pamilyang pinadadalhan ng allowance na mag-budget para matulungan ka rin mag-ipon.

• Ipaunawa sa asawa at mga anak mo na hindi madali kumita ng pera porke nasa ibang bansa. Mas magiging magaan kung alam nila ang tunay na kalagayan mo.

• Protektahan ang sarili. Magbukas ng insurance at investments account. Aralin ng mabuti para hindi mabigla. Pwede mo magamit ang mga nilagay mo dito sa pagpapagamot in the future, education plan o retirement fund mo.

• Magpundar. Magpundar ng lupa, bahay at mga property. Para makita mo ang mga pinagpaguran mo ng ilang taon bukod sa ibang investments mo.

• Maging wais. Marami ng kwento ng OFWs na 10 yrs, 20 yrs sila sa abroad pero umuwing walang naipon. Huwag umuwing ZERO.

• Isama sa prayers kay Lord ang finances mo. He will give you peace and abundance. I-handle lang natin ng tama ang mga blessing.

Sana ay makatulong ito para maging intentional ang pag-iipon at pag-manage ng pera habang malayo ka sa pamilya. Ingat po!

Message me if you need help on your insurance.

OFWs work hard to be home for good in the Philippines with their loved ones. Agree?

Life insurance can support your long-term financial goals! It can provide a retirement that you deserve and create an inheritance for the next generation.

Want to know more? Visit Sun Life's Home for Good Financial Packages via https://sunlife.co/OFRetirement or talk to a Financial Advisor today.

06/11/2024

Something to think about 🤔

𝗞𝗶𝗹𝗮𝗹𝗮 𝗺𝗼 𝘆𝘂𝗻𝗴 𝘁𝗶𝗽𝗼𝗻𝗴 𝘀𝗼𝗯𝗿𝗮𝗻𝗴 𝗮𝗯𝗮𝗹𝗮 𝘀𝗮 𝘁𝗿𝗮𝗯𝗮𝗵𝗼 𝗽𝗲𝗿𝗼 ’𝗱𝗶 𝗻𝗮𝗺𝗮𝗻 𝘀𝗶𝗴𝘂𝗿𝗮𝗱𝗼 𝘀𝗮 𝗳𝘂𝘁𝘂𝗿𝗲? 🤔 Sabay ngiti lang habang sinasabi sa sarili, “Okay pa ako, saka na lang ang insurance, hindi naman urgent.” 🙄

Pero isipin mo, halos lahat may oras para mag binge-watch sa Netflix, mag-shopping tuwing sale, o mag-coffee sa mga mamahaling café. ☕ Eh ‘yung mga bagay na talagang kailangan? Insurance? Ayun, napapaliban.

Bakit nga ba? 🤷‍♂️ Minsan kasi, 𝘄𝗲 𝘁𝗲𝗻𝗱 𝘁𝗼 𝗽𝗿𝗶𝗼𝗿𝗶𝘁𝗶𝘇𝗲 𝘁𝗵𝗲 “𝗻𝗼𝘄” 𝗮𝗻𝗱 𝗳𝗼𝗿𝗴𝗲𝘁 𝗮𝗯𝗼𝘂𝘁 𝘁𝗵𝗲 “𝘄𝗵𝗮𝘁 𝗶𝗳𝘀” 𝘀𝗮 𝗳𝘂𝘁𝘂𝗿𝗲. Lagi nating sinasabi “hindi pa time” or “hindi ko afford,” pero in reality, kaya naman. 𝘏𝘪𝘯𝘥𝘪 𝘭𝘢𝘯𝘨 𝘱𝘳𝘪𝘰𝘳𝘪𝘵𝘺.

Pwedeng simulan nang unti-unti para kahit papaano, may safety net ka. 𝗜𝗺𝗮𝗴𝗶𝗻𝗲, 𝗸𝘂𝗻𝗴 𝗺𝗮𝗴-𝘀𝘁𝗮𝗿𝘁 𝗸𝗮 𝗻𝗴𝗮𝘆𝗼𝗻, 𝘀𝗲𝗰𝘂𝗿𝗲𝗱 𝗻𝗮 𝗮𝗻𝗴 𝗳𝘂𝘁𝘂𝗿𝗲 𝗺𝗼. Hindi mo na kailangan mag-worry about “what ifs.”

Baka sakaling pwede mo nang maipriority bago magka-emergency. 🙌

03/07/2024

Just a reminder, I AM NOT YOUR BENEFICIARY and YOUR MONEY WILL NOT BE MINE.

REMINDER:
• When you decline a life insurance policy, it is not us Financial Advisors you are declining or rejecting. IT IS YOUR FAMILY'S FUTURE. They will definitely struggle financially when you don’t have any protection.

My JOB is to remind you that YOU are the provider and that you have the dreams to protect and achieve.

When you see this post and you realize that you’re not yet protected, then it is not an accident. You see this on your news feed for a reason. 😊

I’m only one CHAT away‼️
Get insured. Get protected.

24/03/2023

𝗜𝗧’𝗦 𝗢𝗙𝗙𝗜𝗖𝗜𝗔𝗟! 🏆🤩🥳 We did it again!

𝗢𝗡𝗖𝗘 𝗔𝗚𝗔𝗜𝗡, 𝗦𝗨𝗡 𝗟𝗜𝗙𝗘 𝗜𝗦 𝗧𝗛𝗘 𝗡𝗨𝗠𝗕𝗘𝗥 𝟭 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗖𝗢𝗠𝗣𝗔𝗡𝗬 𝗜𝗡 𝗧𝗛𝗘 𝗣𝗛𝗜𝗟𝗜𝗣𝗣𝗜𝗡𝗘𝗦!

𝙎𝙏𝘼𝘽𝙄𝙇𝙄𝙏𝙔. 𝘾𝙍𝙀𝘿𝙄𝘽𝙄𝙇𝙄𝙏𝙔. 𝙋𝙀𝙍𝙁𝙊𝙍𝙈𝘼𝙉𝘾𝙀.

Sun Life Philippines is #1 in Premium Income, New Business Annual Premium Equivalent (NBAPE), and Net Income for 2022!

Sun Life Philippines is also significantly top in traditional products because our guaranteed return funds are just that EXCELLENT!

Thank you, clients, for making us SH1NE!