Sophiya Camille Chan, Wealth Coach

03/01/2022

If you want a fulfilling and rewarding career, the opportunities in Manulife are limitless. Join my growing team! Send me a message to discover what makes every day better. 😊

05/10/2021

Message me for a free quote! Road to Financial Freedom starts here ☕️

20/09/2021

For all the young families or parents-to-be, take a minute to read this.

As a parent we always want what’s best for our children, we want what is best for the family. 👨‍👩‍👧‍👦

The only thing that can provide you “peace of mind” is financial planning and insurance. ✅

Understand that you need to have that back up plan so that your family and you are protected from unexpected events.

Our responsibility is to secure a greater future for our children, spouse, parents and even ourselves; with insurance you can definitely achieve that. 🙌🏼

Transfer the risk of Income Protection to an insurance company as your family is too young to carry this risk. 🙏🏼

If you are a client reading this: Speak to your financial advisor today and read up to self educate.

PM Me

ctto Dr. Sanjay Tolani - Financial Advisor & Coach

22/08/2021

18/08/2021

97% of the population goes to get-rich-quick schemes.

3% of the population understands that being wealthy takes time.

That is why, only 3% retire wealthy. 🤔

Wanna be part of the 3%? Lets start with financial literacy.

Message me for details.

24/04/2021

Safeguarding your finances today can be beneficial in the future. There are things that happen which are beyond our control but being financially prepared can help you deal with them with ease.
If you're interested to know more about creating a "pandemic-proof" financial plan, schedule a virtual meeting with me so I can help you get started! 🙂

Iyah Chan
Manulife Financial Advisor/Unit Head
Sierra Madre Region

02/03/2021

Urgent Hiring!

Join Manulife Philippines as a Unit Head, Junior Unit Head, Associate Unit Head or Financial Advisor and enjoy the following benefits:

✅Full Time. One Year Subsidy for qualified applicants.
✅Shift to a Career that gives you a Work Life Balance with promising Income.
✅More time for yourself and for your family and you can work at home.
✅Unlimited Income potential from Basic Commissions & Overrides
✅Extensive Sales and Financial Management Training
✅Free Comprehensive Life Insurance Coverage: Maternity & Disability Income Benefit
✅Free HMO by Maxicare for you and your dependents
✅Provident Fund
✅Car/Computer/Emergency Loan
✅Segmented Trainings
✅Yearly Trip Incentives Local and Abroad with a chance to qualify to multiple seats
✅Monthly/Quarterly/Annual Bonus
✅Awards & Recognitions

Start a fulfilling career and make a difference in people’s lives while working at home!

Pls send resume to:
[email protected]

02/03/2021

Think about these...

1. The normal price of an umbrella is P250. You feel it’s not worth it.
-When it’s raining, one umbrella is P500, you immediately queue for it.

2. The normal price for one box of mask is P200. You feel it’s not worth it.
-When corona virus breakout, one box of mask cost P2,000, you immediately queue for it.

3. The premium for insurance is P36,000 yearly. You feel you don’t need it.
-When you are critically ill, medical expense is P2M. You immediately sell all you have for it.

4. The medical expense is P2M, when one gets critically sick. You don’t have insurance coverage, you pay P2M for it.
- When diagnosed, medical bill will cost P2M. You only pay P36,000 premium and your insurance plan will pay for it.

5. I spend 30minutes to share the critical illness funding. You only take 5minutes to reject it.
- When your doctor inform you that you are sick, YOU IMMEDIATELY USE 10-30 YEARS WORTH OF SAVINGS FOR YOUR MEDICATION.

Sometimes, you will never know the true value of a thing until it becomes a necessity.

What if you realize its value before it becomes too late? 🤔🤔

Ctto: Albert Joaquin

Free consultation. Pm me for appointment. I am Manulife💚

01/03/2021

One Accident can dramatically change your life.

One serious Illness can empty your bank accounts.

One disability can render you unfit to work, therefore decreasing your capacity to earn.

One Insurance policy can help protect you and your family from these real life emergencies.

Are you willing to risk all your hard-earned income just to pay for medication? Don't risk it. It's not worth it.

Ask me how. Ask me now.

25/02/2021

Steps to financial freedom

1️⃣ Increase cash flow 💵💰

Kapag hindi kasya ang income, maghanap ng trabaho na mas malaki sweldo or part-time job or sidelines. Invest in your self, learn new skills that can generate income. And learn personal finance/budgeting skills.

2️⃣ Protect your self and your family 👨‍👩‍👦‍👦❤️

Have life/health insurance and/or HMO. Suggested life and health insurance coverage is 5x to 10x worth of your annual income (or annual expenses). Your protection is going to be part of your emergency fund. If wala pa budget, magstart sa pinakamurang term insurance.

3️⃣ Pay short term debt 💳💳🏦

Prioritize and pay high interest loans, like credit card loans/debt.

4️⃣ Build your emergency fund 💵💵💵🚑

Save at least 3 to 6 months worth of your income (or expenses).

5️⃣ Invest and save for future business or dream goal/financial goals 📊📈🏘🚘✈️

Learn to invest and save funds for future business ventures, for your goals like your dream house, retirement fund.

6️⃣ Prepare for retirement. Plan your estate, legacy, etc. 🏖✈️🗽🏣🎯🏦💰

16/02/2021

What insurance fits you best?

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.

Ask me now. Ask me how.

06/02/2021

HINDI MAGANDA ANG INSURANCE

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Client: Maganda naman ang life insurance, bakit onti lang naniniwala at meron nyan? Mag-present ka nga sa friends and officemates ko.

Me: Kasi insurance is not tangible. It is just a piece of paper. Hindi mo sya pwedeng ipakita basta basta. Hindi sya pwedeng ipagmalaki tulad ng:

"May bagong bahay ako sa Camella village na yan"

"Kumuha ako ng 3-bedroom unit with 4 parking slots sa BGC."

"Approved na yung bank loan ko para sa Toyota Vios. Next week ko maiuuwi."

"Finally recontracting na ako sa Globe. Kukuha ako ng iPhone 12."

"Grabe ang ganda ganda sa Japan. Ito pictures namin sa cherry blossoms, Disneyland, Universal Studios, Kyoto at Osaka o. 15 days kasi kami dun so nalibot namin lahat."

"Nag-open kami ng franchise ng Potato Corner sa mall na yan. Dun naman sa school ni Junjun mag Gong Cha franchise naman kami."

Insurance are none of those things.

You cannot simply brag to your friends that you have a 4M death benefit, plus 2M accidental death, 1M disability benefit, 2M critical illness benefit, and more.

You cannot also mention that your parents or relatives acquired a 10M, 20M, 45M life insurance coverage to prepare for their estate planning, retirement, and wealth transfer.

Pero alam nyo ba sir ano ba talaga difference ng insurance companies sa ibang bagay o bangko?

It is a piece of paper na kapag may sakuna will read,

"We owe you money" instead of it saying "You will owe us."

We generate revenue not debt.

Cars, gadgets, appliances will be outdated and get obsolete one day, but your VUL will appreciate over time.

The earlier you save, the wealthier you will become.
Message me 😊