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Jozzel Chavez- Sunlife Licensed Financial Advisor

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Jozzel Chavez- Sunlife Licensed Financial Advisor

As an EMPLOYEE or OFW, what is the BEST WAY to BUILD YOUR FAMILY'S FINANCIAL FUTURE? But investing is also not enough.

I help Filipino breadwinners, employed and self-employed professionals achieve financial security by providing life insurance plans that fit their current lifestyle and budget. As a Financial Advisor, I always recommend this FINANCIAL SUCCESS FORMULA:

👉SAVE + INVEST + SECURE = SUCCESSFUL FINANCIAL FUTURE. Saving money is not enough because inflation will beat you... So you need to INVEST. You nee

d to PROTECT and SECURE the future of your children and spouse just in case something happens to you.

✅These three things are the best ways to build your family's financial future. The GOOD NEWS right now is that you can do these things (SAVE + INVEST + SECURE) in a SINGLE FINANCIAL INSTRUMENT called VUL or Variable Unit Linked. Are you interested to know more about VUL so you can BUILD YOUR FAMILY'S FINANCIAL FUTURE RIGHT AWAY? TAP the 'Send Message' button and let's start a conversation.

23/03/2026

💰 𝙒𝙝𝙖𝙩 𝙞𝙛 𝙮𝙤𝙪𝙧 ₱10 𝙈𝙄𝙇𝙇𝙄𝙊𝙉 𝙘𝙤𝙪𝙡𝙙 𝙚𝙖𝙧𝙣 ₱425,000 𝙚𝙫𝙚𝙧𝙮 𝙮𝙚𝙖𝙧 — 𝙬𝙖𝙡𝙖𝙣𝙜 𝙨𝙩𝙧𝙚𝙨𝙨, 𝙬𝙖𝙡𝙖𝙣𝙜 𝙙𝙧𝙖𝙢𝙖? ✨
𝙀𝙩𝙤 𝙣𝙖 ’𝙮𝙤𝙣! 😍

𝘼 𝙨𝙢𝙖𝙧𝙩, 𝙡𝙤𝙬-𝙧𝙞𝙨𝙠 𝙬𝙖𝙮 𝙩𝙤 𝙜𝙧𝙤𝙬 & 𝙥𝙧𝙤𝙩𝙚𝙘𝙩 𝙮𝙤𝙪𝙧 𝙬𝙚𝙖𝙡𝙩𝙝. 💛
✨ 𝙎𝙪𝙣 𝙋𝙚𝙨𝙤 𝙈𝙖𝙭𝙞𝙢𝙞𝙯𝙚𝙧 𝙞𝙨 𝘽𝘼𝘾𝙆 — 𝙡𝙞𝙢𝙞𝙩𝙚𝙙 𝙨𝙡𝙤𝙩𝙨, 𝙡𝙞𝙢𝙞𝙩𝙚𝙙 𝙩𝙞𝙢𝙚 𝙤𝙣𝙡𝙮! ✨

💼 𝙒𝙝𝙖𝙩 𝙮𝙤𝙪 𝙜𝙚𝙩:
✔️ 𝙊𝙣𝙚-𝙩𝙞𝙢𝙚 𝙞𝙣𝙫𝙚𝙨𝙩𝙢𝙚𝙣𝙩: ₱10,000,000
✔️ 𝙂𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙 ₱425,000/𝙮𝙚𝙖𝙧
💡 (𝙏𝙝𝙖𝙩’𝙨 4.25% 𝙖𝙣𝙣𝙪𝙖𝙡𝙡𝙮 𝙛𝙤𝙧 7 𝙮𝙚𝙖𝙧𝙨!)
✔️ 𝙏𝙤𝙩𝙖𝙡 𝙥𝙖𝙮𝙤𝙪𝙩𝙨: ₱2,975,000
✔️ 100% 𝙘𝙖𝙥𝙞𝙩𝙖𝙡 𝙧𝙚𝙩𝙪𝙧𝙣𝙚𝙙
✔️ 𝙇𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚: ₱12.5 𝙈𝙄𝙇𝙇𝙄𝙊𝙉(125%)
✔️𝙂𝙡𝙤𝙗𝙖𝙡𝙡𝙮 𝙙𝙞𝙫𝙚𝙧𝙨𝙞𝙛𝙞𝙚𝙙
✔️𝙂𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙 𝙖𝙘𝙘𝙚𝙥𝙩𝙖𝙣𝙘𝙚
✨ 𝙏𝙤𝙩𝙖𝙡 𝙫𝙖𝙡𝙪𝙚: ₱12.8 𝙈𝙄𝙇𝙇𝙄𝙊𝙉 — 𝙕𝙀𝙍𝙊 𝙢𝙖𝙧𝙠𝙚𝙩 𝙧𝙞𝙨𝙠.

🎯 𝙋𝙚𝙧𝙛𝙚𝙘𝙩 𝙛𝙤𝙧 𝙮𝙤𝙪 𝙞𝙛:
📌 𝙈𝙖𝙮 𝙞𝙙𝙡𝙚 𝙛𝙪𝙣𝙙𝙨 𝙠𝙖
📌 𝙂𝙪𝙨𝙩𝙤 𝙢𝙤 𝙣𝙜 𝙥𝙖𝙨𝙨𝙞𝙫𝙚 𝙞𝙣𝙘𝙤𝙢𝙚
📌 𝘼𝙮𝙖𝙬 𝙢𝙤 𝙣𝙜 𝙢𝙖𝙧𝙠𝙚𝙩 𝙫𝙤𝙡𝙖𝙩𝙞𝙡𝙞𝙩𝙮
📌 𝙋𝙧𝙞𝙤𝙧𝙞𝙩𝙮 𝙢𝙤 𝙖𝙣𝙜 𝙨𝙖𝙛𝙚 & 𝙥𝙧𝙚𝙙𝙞𝙘𝙩𝙖𝙗𝙡𝙚 𝙧𝙚𝙩𝙪𝙧𝙣𝙨
💡 𝙄𝙩’𝙨 𝙖 “𝙧𝙚𝙨𝙩-𝙖𝙣𝙙-𝙚𝙖𝙧𝙣” 𝙨𝙚𝙩𝙪𝙥 — 𝙮𝙤𝙪𝙧 𝙢𝙤𝙣𝙚𝙮 𝙬𝙤𝙧𝙠𝙨 𝙦𝙪𝙞𝙚𝙩𝙡𝙮 𝙛𝙤𝙧 𝙮𝙤𝙪. ✨
💛 𝙎𝙩𝙖𝙧𝙩 𝙖𝙨 𝙡𝙤𝙬 𝙖𝙨 ₱500,000 𝙨𝙞𝙣𝙜𝙡𝙚 𝙥𝙧𝙚𝙢𝙞𝙪𝙢!
📩 𝙈𝙚𝙨𝙨𝙖𝙜𝙚 𝙢𝙚 𝙣𝙤𝙬 — 𝙡𝙞𝙢𝙞𝙩𝙚𝙙 𝙨𝙡𝙤𝙩𝙨 𝙤𝙣𝙡𝙮!

14/03/2026

✨ 𝟔 𝐘𝐞𝐚𝐫𝐬 𝐋𝐚𝐧𝐠, 𝐦𝐚𝐲 𝐋𝐢𝐟𝐞𝐭𝐢𝐦𝐞 𝐏𝐞𝐧𝐬𝐢𝐨𝐧 𝐤𝐚 𝐧𝐚! 💰
Hindi mo na kailangang maghintay ng retirement age para magka-pension.
📌 𝐓𝐡𝐢𝐬 𝐩𝐥𝐚𝐧 𝐜𝐫𝐞𝐚𝐭𝐞𝐬 𝟒 𝐩𝐨𝐰𝐞𝐫𝐟𝐮𝐥 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰 𝐬𝐭𝐫𝐞𝐚𝐦𝐬 for you and your future family.
💰 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐏𝐞𝐧𝐬𝐢𝐨𝐧
Starts as early as Year 6 — even while you're still paying.
💼 𝐆𝐮𝐚𝐫𝐚𝐧𝐭𝐞𝐞𝐝 𝐂𝐚𝐬𝐡 𝐕𝐚𝐥𝐮𝐞
Anytime cash access — puwedeng i-loan for emergency or negosyo/education depende sa needs.
🎉 𝐂𝐞𝐧𝐭𝐞𝐧𝐚𝐫𝐢𝐚𝐧 𝐁𝐨𝐧𝐮𝐬
Receive your full benefit amount back on your 80th birthday.Grabe narecieve mo na binalik pa!
📈 𝐘𝐞𝐚𝐫𝐥𝐲 𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝𝐬
Potential 4.5%+ compounding growth every year.
🌳 𝐋𝐞𝐠𝐚𝐜𝐲 𝐏𝐥𝐚𝐧𝐧𝐢𝐧𝐠 (𝐏𝐚𝐦𝐚𝐧𝐚 𝐏𝐥𝐚𝐧)
🔥 Transferable up to 3 generations — hindi lang para sa’yo, pati sa apo, pamangkin, o kung sino ang gusto mong pamanahan.

✨ 𝐈𝐦𝐚𝐠𝐢𝐧𝐞 𝐭𝐡𝐢𝐬:
In just 6 years, you unlock a lifetime pension while building wealth your family can enjoy for generations.

💯Because real wealth isn’t just income for today —it’s income that outlives you.

💬 Looking for a forever fund for Education, Business, Retirement, or Travel in the future?Message me. ✨

11/03/2026

Savings or Hospital Bills? 🤔💸

It’s a painful truth: Lahat tayo may risk magkasakit. Pero ang mas nakakatakot, bago ang lahat, uubusin muna nito ang pinaghirapan mong ipon. 💔

🚨 PSA 2025 Statistics:
❤️ Heart Disease
🎗️ Cancer
🧠 Stroke
🍬 Diabetes

📌 Genetics or lifestyle? Either way, sickness doesn't wait for us to age. 📉 After seeing Sun Life claims for clients under 20, it’s clear: Preparation is the only way.

🛡️ Don't wait for a 'ticking time bomb' moment.Protect your future self. ✨ Message me to start your health
and life plan today. 📩

11/03/2026

🏥 HMO vs. LIFE INSURANCE: Ano nga ba ang pinagkaiba?

Maraming nalilito dito, pero bes,life-saver 'to!
Heto ang shortcut para hindi ka na ma-stress: ⬇️

🩺 1. HEALTH CARD (HMO)

"Your Everyday Medical Partner"
(e.g., Maxicare, Medicard, Intellicare)

Think of your HMO as your short-term shield. It is designed to pay the hospital directly so you don’t have to shell out cash for minor or immediate needs.

📌 How it works: The HMO pays the hospital/clinic directly up to your plan's limit.

📌 What’s covered: Routine check-ups, lab tests, doctor’s fees, ER visits, and standard confinement.

📌 The Perk: No cash-out at accredited hospitals. It’s perfect for the "now."

⚠️ The Reality: * Coverage limits are usually low (₱100K–₱200K).It can be depleted quickly by a single major surgery or a critical illness.

💯Coverage typically ends when you retire (age 60–65).

🛡️ 2. LIFE & HEALTH INSURANCE

"Your Financial Safety Net for Major Battles"
(Covers Minor & Major Critical Illnesses)

This is your long-term weapon. Unlike an HMO, which is an ongoing expense, most of these plans are Limited Pay—meaning you only pay for a set period (e.g., 10 or 20 years), but you stay protected for life. It provides a Lump Sum of CASH directly to you upon diagnosis.

📌 How it works: If you are diagnosed with a critical illness like Cancer, Heart Attack, or Stroke, the insurance company gives YOU the money—regardless of your actual hospital bill.

📌 What it’s for: Use the cash for specialized treatments, expensive maintenance medicines, or as income replacement to support your family while you recover.

📌 The Win: Coverage can last until age 75 or even 100! Depending on your plan, your claim can range from ₱500,000 to ₱15,000,000.

✨ The Bonus: Many Comprehensive Health Insurance plans are Limited Pay and come with Money-Back features or Dividends, meaning your policy earns value over time. It’s not just protection; it’s an asset.

💡 WHICH ONE DO YOU ACTUALLY NEED?

The best strategy? BOTH.

They are like a raincoat and an umbrella—they serve different purposes, but you need both to stay completely dry when the storm hits.

✅ HMO: For your "Daily" medical needs, routine check-ups, and minor emergencies.

✅ Health Insurance: For "Minor to Major" life-altering illnesses and long-term financial security. (Sulit na sulit dahil walang tapon ang hard-earned money mo dito!)

Reality Check: Most employers provide an HMO, which is a great starting point.However, very few companies provide comprehensive Life & Health Insurance.That part of the safety net is up to you.

📩 Message me! Let’s check which health insurance plan fits your needs and budget perfectly.

05/03/2026

✨📌💯‼️ Dahil lahat tayo deserve ng peace of mind—regardless of age and health status. 💛
💡 Kahit na ⬇️:
👴 Senior ka na
🩺 May pre-existing conditions
💊 May maintenance medications
❤️ May ongoing health concerns
👶 Mga batang may autism or special needs
🩸 Dialysis or cancer patients
✨ Ngayon, may pagkakataon na. 🙌
☀️ Introducing: SUN LIFE EASYLINK PROTECT ☀️
Simple. Accessible. Inclusive protection.
💥 What makes it a game-changer?
✅ No medical exam — questionnaire lang
✅ Guaranteed approval
✅ Protection up to Age 100
✅ Application up to Age 70
✅ Starts at ₱2,500/month
✅ With investment component — may fund na pwedeng lumago 💰
📊 Ang dami nang na-approve ⬇️
📌 68 y/o cancer patient
📌 70 y/o with hypertension
📌 57 y/o stroke survivor
📌 64 y/o with partial disability
📌 62 y/o dialysis patient
📌 35 y/o with PCOS
📌 43 y/o with diabetes
📌 7 y/o with autism
📩 Message me today — baka ito na ang opportunity na hinihintay mo.

26/02/2026

Pamana o Pahihirapan? 🧊💸

Client: “Zel, may naiwan si Papa na pera sa bangko, pero hindi namin makuha mag iisang taon na‼️😭

Me: “Bakit? Anong nangyari?”

Client: “Ang daming requirements! ₱300k lang ‘yun, pero stress na stress na kami. Akala ko madali lang!😭

💡The Reality Check: I always tell my clients: Don’t let your legacy become a burden. Kung magpapamana ka na lang din, bakit mo pa sila pahihirapan nang todo?

💯I showed her the requirements for a Sun Life Death Claim, and she was shocked: “Huh? ‘Yan lang?!

📌The Truth: Life insurance is the most powerful liquid asset you can have. While bank accounts are frozen upon death, insurance provides cash exactly when the family needs it most—no stress, no mountain of paperwork.

Eto naman ang requirements sa bank ⬇️🙃. Which path would you rather leave for your family? 😬👇

26/02/2026

Nothing drains a seven‑figure savings account like a critical illness, and preventing it only costs a four‑digit monthly insurance premium.
Imagine that.🤔

24/02/2026

🌱 𝙿𝚕𝚊𝚗𝚝 𝚊 𝚜𝚎𝚎𝚍 𝚝𝚘𝚍𝚊𝚢… and in just 6 years, enjoy a tree that keeps on giving—whether it’s for your dream retirement, education, business, or travel. 🌻

🌱 STOP WORKING FOR MONEY. START PLANTING IT.

✨ 𝐼𝑚𝑎𝑔𝑖𝑛𝑒 𝑎 𝑝𝑙𝑎𝑛 𝑡ℎ𝑎𝑡 𝑤𝑜𝑟𝑘𝑠 𝑓𝑜𝑟 𝑎 𝑙𝑖𝑓𝑒𝑡𝑖𝑚𝑒. ✨

Gaano kabilis ang 6 years? Parang kailan lang ang 2020, ‘di ba? ⏳

💯 In the same time it takes to finish a degree or pay off a car, you could plant a "Wealth Tree" that bears fruit every single year—GUARANTEED. 🍎💸

🌳 𝚃𝙷𝙴 𝟼-𝚈𝙴𝙰𝚁 𝚆𝙴𝙰𝙻𝚃𝙷 𝙷𝙰𝚁𝚅𝙴𝚂𝚃 🥰

Bakit ka maghihintay nang matagal kung puwede namang after 6 years, built na ang iyong “Digital Apartment”?

🏢 Lifetime “Rent”: Receive ₱40K, ₱100K, or even ₱300K+ every year until age 100.

📌 Early Fruition: Start receiving payouts as early as Year 6—kahit hindi ka pa tapos magbayad! 🚀

👨‍👩‍👦‍👦 The 3-Gen Rule: Hindi lang ikaw ang makikinabang.
This is transferable—from you, to your child, to your grandchild. A legacy that never ends. ✨

🌞 𝚂𝚄𝙽 𝙻𝙸𝙵𝙴 𝚂𝙴𝙲𝚄𝚁𝙴 𝙸𝙽𝙲𝙾𝙼𝙴: Your All-in-One Powerhouse

This isn’t just insurance—it’s your Retirement Fund, Education Plan, Travel Fund, and Business Capital rolled into one safe, market-risk-free asset! ‼️

✅ Guaranteed Cash Flow: Your “Forever Pension,” paid like clockwork.
✅ Centenarian Bonus: Extra “Grand Slam” payouts at ages 80, 85, 90, & 95! 🎉
✅ 200% Life Coverage: Double protection while enjoying living benefits.
✅ Flexible Payment: Fully paid in 3, 5, 10, or 15 years.
✅ 📉 No market risk—guaranteed!

☀️ Let’s build your FOREVER PENSION and PAMANA PLAN today.

📩 Message me to get your personalized quote.

23/02/2026

✨📌💯 Hindi lahat nabibigyan ng second chance—
pero sa protection, may pag-asa pa‼️
Because everyone deserves peace of mind,regardless of age and health status.💛

💡 May bagong option ngayon para sa mga akala nila ay hindi na maa-approve.
💛 Ideal para sa:
🩺 May pre-existing conditions
💊 May maintenance medications
❤️ May ongoing health concerns
👶 Parents ng batang may autism or special needs
🩸 Dialysis patients na nagtatanong, “Pwede pa ba?”
Kung dati na-decline ka…
Kung dati nasabihang “hindi pwede”…
✨ Ngayon, may pagkakataon na. 🙌
☀️ Introducing: SUN LIFE EASYLINK PROTECT ☀️
Simple. Accessible. Inclusive protection.
💥 What makes it a game-changer?
✅ No medical exam — questionnaire lang
✅ Guaranteed approval
✅ Protection up to Age 100
✅ Application up to Age 70
✅ Starts at ₱2,500/month
✅ With investment component — may fund na pwedeng lumago 💰
🌟 Real approvals,real protection:⬇️
📌 68 y/o cancer patient
📌 70 y/o with hypertension
📌 57 y/o stroke survivor
📌 64 y/o with partial disability
📌 62 y/o dialysis patient
📌 35 y/o with PCOS
📌 43 y/o with diabetes
📌 7 y/o with autism
📩 Message me today — baka ito na ang opportunity na hinihintay mo.

22/02/2026

✨ TOO LATE NA BA? HINDI PA‼️ ✨
Kagabi, may tumawag na client.
Gusto niyang magdagdag ng coverage… pero may isang problema.
🩺 “Na-diagnose po ako with Kidney Failure…
Pwede pa ba?”
Ang sagot ko?Isang MALAKING YES.✅

Dahil ngayon, may solusyon na para sa mga akala nila ay wala nang pag-asa.
📌Hindi hadlang ang “Health Condition”
📌Hindi rin hadlang ang edad — covered hanggang 70 years old!
💛 Para ito sa mga:
🩺 May PRE-EXISTING CONDITIONS
💊 May MAINTENANCE MEDICATIONS
❤️ May existing HEALTH CONCERNS
👶 May anak na may Autism or special needs
🩸 Dialysis patients asking, “May chance pa ba?”
Kung dati na-decline ka…
Kung dati sinabihang “hindi pwede”…
✨ NGAYON, POSIBLE NA. 🙌
☀️ Introducing: SUN LIFE EASYLINK PROTECT ☀️
Protection made simple.Easy. Inclusive.
Bakit ito game-changer?
✅ NO MEDICAL EXAM – Health questionnaire lang!
✅ GUARANTEED APPROVAL
✅ Covered up to Age 100
✅ Available up to Age 70
✅ Starts at ₱2,500/month
✅ With Investment Component – may fund na pwedeng lumago💰

📌💯Hindi lahat nabibigyan ng second chance.
Pero pagdating sa protection — meron na ngayon.
Because everyone deserves peace of mind — regardless of health status. 💛
📩 Message me today. Baka ito na ang sagot na hinihintay mo.

22/02/2026

✨ 𝑷𝒂𝒂𝒏𝒐 𝒎𝒐 𝒈𝒖𝒈𝒖𝒍𝒂𝒕𝒊𝒏 𝒂𝒏𝒈 𝒂𝒏𝒂𝒌 𝒎𝒐?
🎁 Hindi lang pang-celebration.
🎁 Hindi lang pang-now.
🎁 Kundi LIFETIME PENSION na may EDUCATION FUND pa. 🎓💛

‼️Imagine this — parang may sarili siyang “apartment-type income” na nagbibigay ng passive cash flow taon-taon…
pwede mong gamitin for:
✔️ Tuition fee✔️ Allowance✔️ Review school
✔️ Or ipunin for college

At kung hindi man magamit lahat for school?
👉 Tuloy-tuloy pa rin ang income hanggang age 100.
💡 After 6 years, may FOREVER PENSION ₱100K–₱1M yearly
(6% guaranteed hanggang age 100 😱)
✨ Limited pay. Lifetime benefits:
✔️ Education fund (steady yearly cash flow)
✔️ Forever pension
✔️ Pamana plan (tuloy ang pension kahit ipamana)
✔️ Annual dividends
✔️ Centenarian Bonus ₱500K–₱1M
✔️ 200% life insurance coverage

💡Pwede mo munang gamitin as education + retirement income,then kapag fulfilled ka na… ipamana mo ang tuloy-tuloy na kita.📌💯
Isang plan.
Maraming purpose.
Education. Retirement. Legacy.
💛 Isang desisyon today.
Lifetime impact tomorrow.
𝑮𝒆𝒕 𝑰𝒏𝒔𝒖𝒓𝒆𝒅. 𝑮𝒆𝒕 𝑷𝒓𝒐𝒕𝒆𝒄𝒕𝒆𝒅.
𝑺𝒆𝒄𝒖𝒓𝒆 𝒀𝒐𝒖𝒓 𝑭𝒖𝒕𝒖𝒓𝒆. ✨
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Address

6/F BTTC Centre Cor , Roosevelt Avenue , Greenhills
Quezon City
1556

Opening Hours

Monday	12am - 11:59pm
Tuesday	12am - 11:59pm
Wednesday	12am - 11:59pm
Thursday	12am - 11:59pm
Friday	12am - 11:59pm
Saturday	12am - 11:59pm
Sunday	12am - 11:59pm

Telephone

+639171203744

Website

facebook.com

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Jozzel Chavez- Sunlife Licensed Financial Advisor

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