Ysa Rivera- Financial Advisor

21/04/2023

Nag-iisip ka ba saan maganda ilagay or ano ang mabuting gawin sa mid-year bonus mo?🤔

Well here are 5 ways on how you can spend it. If you want to do numbers 1 and 2😊 message mo lang ako. I will be happy to assist you.

Bakit maganda na dito mo gamitin ang bonus mo?

If tight ang budget mo, tama lang na bonus ang gamitin mo para makapagsimula ka ng insurance and investment in Sun Life. Gawin mo na semi annual ang mode of payment, (meaning every six mos). Pag binilang mo ang next payment mo is sa November which is sakto naman sa year end bonus, then next payment is May again so on and on. Mas magiging maalwan sayo ang pagbabayad kasi hindi mo na ibabawas sa daily/ monthly budget ang pambayad mo sa premium, sure ka pa na may pinupuntahan na maganda ang bonus mo at hindi mo nagagastos sa kung ano-anong bagay na di mo na naiintindihan. Just sacrifice 5 or 10 years na dito mo ilalaan ang bonus mo😉 because "MONEY SPEAKS ONLY ONE LANGUAGE. IF YOU SAVE ME TODAY, I WILL SAVE YOUR TOMORROW"

Message me!😊 and lets start your brighter life.

20/04/2023

Someone insured his 4-year old daughter through 𝐒𝐮𝐧 𝐋𝐢𝐟𝐞’𝐬 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐋𝐢𝐟𝐞 𝐄𝐥𝐢𝐭𝐞 𝐏𝐞𝐬𝐨 𝟏𝟎. 🙏🏼😉

Pag ten years old na anak nya, makakakuha na si baby ng 𝙀𝙉𝘿𝙊𝙒𝙈𝙀𝙉𝙏 𝙣𝙖 100,000.00 𝙥𝙚𝙨𝙤𝙨 𝙚𝙫𝙚𝙧𝙮 𝙤𝙩𝙝𝙚𝙧 𝙮𝙚𝙖𝙧 at take note, 𝙃𝘼𝘽𝘼𝙉𝙂 𝘽𝙐𝙃𝘼𝙔 yun ah! Plus 𝙔𝙀𝘼𝙍𝙇𝙔 𝘿𝙄𝙑𝙄𝘿𝙀𝙉𝘿𝙎 pa! Bukod pa ang 𝙂𝙐𝘼𝙍𝘼𝙉𝙏𝙀𝙀𝘿 𝘾𝘼𝙎𝙃 𝙑𝘼𝙇𝙐𝙀𝙎! 🌻🎉💛

𝗚𝘂𝘀𝘁𝗼 𝗺𝗼 𝗱𝗶𝗻 𝗯𝗮 𝗻𝗴 𝗴𝗮𝗻𝗶𝘁𝗼𝗻𝗴 𝗽𝗹𝗮𝗻 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱?

Tara, i-customize natin ang para sa anak mo! ☀️😊

18/04/2023

Maraming ways to be a millionaire, pero ito yung ilan sa basics:

1. Okay yung build the habit first kahit maliit na amount (iba iba tayo ng capability)

1. Pero dapat consistent at gradually lumalaki ang iniipon mo

3. Ang binubuo mo kasi dito is maayos na financial mindset at financial discipline

4. Sa savings manggagaling halos lahat ng projects mo in the future — kung walang ipon, eh matic hirap ka mag-invest, insurance pa, lalo na makabili ng bahay at lupa at kotse

5. Have a 2nd or 3rd sources of income. https://forms.gle/a1rFrjQSt6JEbRxXA

Simulan mo na agad. Wag next year, wag next month. Ngayon.

Ctto

13/04/2023

A Sad Insurance Story

So you still get annoyed or probaly consistently avoid that insurance agent who've been wanting to get an appointment with you? This post might change that.

Today June 10, 2020 we delivered a sad news to our client; a former seafarer, a Chief Mate.

It was September 2017 when Mr. Chief bought an insurance policy with Life Coverage and Accident coverage. Originally, our insurance advisor offered him a life insurance with critical Illness, accident and hospital confinement benefit. The result of our financial needs analysis showed that Mr. Chief is financially and physically capable for the earlier mentioned coverage. Mr. Chief declined the offer for he is preparing to buy a new property and a new car. There is nothing wrong with purchasing a new car or another property. It is after all your reward for your hardwork.

October of 2017 Mr. Chief was supposed to return on board but due to some errands he decided to postpone it. Here comes the sad part. January of 2018 he got cerebrovascular accident (stroke). Mr. Chief can no longer go back to work, finances were exhausted and you know what hit me hard?

" Yung mga tinulungan kong maka sampa sa barko dati pati mga kamag anak na tinulungan ko, walang tumulong sakin nung ako na ang nangangailangan." Mr. Chief's tears were flowing down his cheeks as he utter these words.

" Hindi ko naman alam na magkaka stroke ako ng January. Kung nalaman ko lang, edi sana sumampa na ako noong Octobe may 20,000$ pa sana ako kung sa barko yun nangyare."

Mr. Chief's policy is now lapsed. He only paid his policy once (September 2017 only). Due to his financial status, he was not able to pay for his succeeding insurance premiums (5 year pay policy). Real estate properties were sold (lowest price), cars were sold, debts piling up. Even he wife and children now think that he is nothing but a "Pabigat Sa Pamilya".

Now the only thing he has is his insurance policy with us. He visited our branch today to check and withdraw his account value.We delivered the news with a heavy heart to the dejected client.

" Sir, almost 3 years nyo na pong hindi nabayaran ang policy nyo at lapsed na po sya with 0 account value. Wala po kayong makukuha sa account nyo na withdrawable amount."

The client can barely walk and talk straight. He can barely right his name and signature on a peice of paper. He begged to return even just a portion of his premium. So he left the branch with a heavy heart.

To the financial advisors:
Client first. Offer the correct financial solution according their needs.We dont just offer our products. We offer certainty to the uncertainty.

To the clients/prospects:
I hope this post changed your view about insurance and insurance advisors. Usap lang tayo baka pwede kaming maka tulong sayo, sa goals mo at sa future ng family nyo. Insurance advisors are here to help you protect your goals.

To my friends across insurance industry. Be proud of your profession. We all have the power to change and protect lives.

Photo from Google.

12/04/2023

First time kukuha ng insurance? Gusto mo ba yung insurance na may investment na kasama? SUN MAXILINK PRIME is for you! 🤩🤩🤩

What is Sun Maxilink Prime?
•It is an investment-linked life insurance plan that offers a combined benefit of insurance protection and investment, providing you financial security and peace of mind while you grow your money over time.

Benefits of Sun Maxilink Prime:

•Life insurance coverage / death benefit -makukuha to ng beneficiary mo pag naging angel ka na.

Additional benefits:
✅ Critical illness benefit - covered ka ng 36 Critical illnesses. Kahit wala kang savings, pag may insurance ka na may Critical illness benefit, may sasagot sa gastusin mo sa hospital pagnagka critical illness ka.

✅ Total Disability benefit (waiver of premium)

✅Accidental Death, Disablement and Dismemberment benefit - pag na disabled ka or naputulan ng body parts meron ka din makukuha sa insurance mo pag meron ka ng benefit na to sa plan mo.

✅Hospital Income benefit - pag na confine ka with minimum of 3 days, meron ka din makukuha na Hospital income benefit dependi kung magkano yung amount ng HIB mo sa plan mo. Pag na ICU ka x2 Yung makukuha mo per day.

✅ Investment - bonus nalang to! Insured kana tumutubo pa pera mo. Take advantage of Sun Life's professional Fund Managers' investment experience and expertise.

To know more about this plan, Feel free to send me a message 📩😉



Pm is the 🗝️

12/04/2023

Realtalk !!!

Paglaanan ang health insurance kasi mahal ang makasakit.
Insure now Or suffer later. Ang desisyon ay nasa kamay mo. Please decide wisely. Use your income now on something na magagamit mo in the future.

For free consultation, message me

VANESSA G. RIVERA, your financial Advisor.

11/04/2023

𝗔𝗻𝗴 𝘀𝘄𝗲𝗿𝘁𝗲 𝗻𝗴 𝗺𝗴𝗮 𝗯𝗮𝘁𝗮 𝗻𝗴𝗮𝘆𝗼𝗻. 𝗦𝘁𝗮𝗿𝘁𝗶𝗻𝗴 𝟲 𝘆𝗲𝗮𝗿𝘀 𝗼𝗹𝗱 𝗻𝗮𝗴𝗽𝗲𝗽𝗲𝗻𝘀𝗶𝗼𝗻 𝗻𝗮 𝘀𝗶𝗹𝗮. 𝟮𝟬𝟬𝗸 𝗻𝗶 𝗖𝗹𝗶𝗲𝗻𝘁 𝗮𝗻𝗴 𝗸𝗮𝗽𝗮𝗹𝗶𝘁 𝗶𝘀 𝟭𝟬𝟬𝗸 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲 𝗣𝗲𝗻𝘀𝗶𝗼𝗻 𝘂𝗻𝘁𝗶𝗹 𝗮𝗴𝗲 𝟭𝟬𝟬🙂

𝗪𝗶𝘁𝗵 𝟮𝗠𝗶𝗹𝗹𝗶𝗼𝗻 𝗟𝗶𝗳𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗻𝗮 𝗣𝗮𝗺𝗮𝗻𝗮 𝗳𝘂𝗻𝗱𝘀 𝗽𝗮𝗿𝗮 𝘀𝗮 𝗺𝗴𝗮 𝗮𝗽𝗼 𝗻𝘆𝗮 𝘀𝗼𝗼𝗻. 𝗠𝘂𝗹𝘁𝗶-𝗴𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻 𝗽𝗹𝗮𝗻 𝗶𝗻𝗱𝗲𝗲𝗱!

𝗠𝘆 𝗖𝗹𝗶𝗲𝗻𝘁 𝘄𝗶𝗹𝗹 𝘀𝘂𝗿𝗲𝗹𝘆 𝗥𝗲𝘁𝗶𝗿𝗲 𝗖𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝘆, 𝗸𝗮𝘀𝗶 𝗵𝗮𝗯𝗮𝗻𝗴 𝗯𝗮𝘁𝗮 𝗽𝗮 𝗮𝗻𝗴 𝗸𝗶𝗱𝘀 𝗽𝘄𝗲𝗱𝗲𝗻𝗴 𝘀𝗶𝘆𝗮 𝗺𝘂𝗻𝗮 𝗺𝗮𝗴𝗽𝗲𝗻𝘀𝗶𝗼𝗻. 𝗜𝗻𝗰𝗮𝘀𝗲 𝗺𝗮𝘄𝗮𝗹𝗮 𝘀𝗶𝘆𝗮 𝗻𝗴 𝗺𝗮𝗮𝗴𝗮, 𝗠𝗮𝘆 𝗽𝗲𝗮𝗰𝗲 𝗼𝗳 𝗺𝗶𝗻𝗱 𝗽𝗮 𝘄𝗵𝗮𝘁𝗲𝘃𝗲𝗿 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗺𝗮𝘆 𝗽𝗮𝗻𝗴 𝗮𝗿𝗮𝗹 𝗮𝘁 𝘀𝘂𝗽𝗽𝗼𝗿𝘁 𝗙𝘂𝗻𝗱𝘀 𝗽𝗮𝗿𝗮 𝘀𝗮 𝗮𝗻𝗮𝗸 𝘁𝗵𝗮𝘁 𝗴𝗼𝗲𝘀 𝗯𝗲𝘆𝗼𝗻𝗱 𝗵𝗶𝘀 𝗹𝗶𝗳𝗲𝘁𝗶𝗺𝗲𝘀.

🥹𝗦𝗮𝗹𝗮𝗺𝗮𝘁 𝗽𝗼 𝘀𝗮 𝗧𝗶𝘄𝗮𝗹𝗮💛☀️

𝗖𝗼𝗻𝗴𝗿𝗮𝘁𝘂𝗹𝗮𝘁𝗶𝗼𝗻𝘀 𝗳𝗼𝗿 𝗽𝗹𝗮𝗻𝗻𝗶𝗻𝗴 𝗮𝗵𝗲𝗮𝗱 𝗳𝗼𝗿 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲✨ #𝗘𝗹𝗶𝘁𝗲𝗣𝗹𝗮𝗻 #𝗦𝘂𝗻𝗟𝗶𝗳𝗲𝟭𝟮𝟴𝗬𝗲𝗮𝗿𝘀 #𝗦𝘂𝗻𝗦𝗺𝗮𝗿𝘁𝗲𝗿𝗟𝗶𝗳𝗲𝗘𝗹𝗶𝘁𝗲 #𝗣𝗿𝗲𝗽𝗮𝗿𝗶𝗻𝗴𝗧𝗵𝗲𝗡𝗲𝘅𝘁𝗚𝗲𝗻𝗲𝗿𝗮𝘁𝗶𝗼𝗻

Credit to the owner 📸

07/04/2023

SANA PALA

Isang taong malapit sa akin ang inalok ko ng insurance with complete benefits bago pa ako macode as financial advisor,

Me: pare, baka interested ka na kumuha ng insurance kay Sunlife.

Pare : Yaa mare baka di ko kayanin ang paghulog nian.

Me: kayang kaya, try lang muna natin. Gawan kita ng proposal for free naman un.

Pare: sge mare, pero si papa ang gusto ko sana ikuha.
Me : sge pare gawan ko kayo pareho ng proposal . Send mo sken complete name at birthday nia.

After ilang days, kinukulit ko ulit sia para isend na nia ang details ng tatay nia. Pero dahil bundok ang tirahan ng magulang nia, hndi nia macontact. Ilang days ulit ang dumaan, kinukulit ko pa din sia, hanggang sa umabot na ng buwan, Natatawagan nia naman kaya lang siguro hindi talaga sia ganun ka interested to get an insurance hanggang sa hindi na kami ngkachat ulit.

At ngayong mga oras na to, a chat popped up : ⬇️

To make the story short : naaksidente ang tatay nia ng hindi nakaavail ng insurance😢

Mga mahal ko, kaibigan, kapamilya, katrabaho at kakilala huwag sana natin hayaan na maunahan tayo ng mga hindi inaasahang pangyayari sa buhay natin . Huwag natin panghinayangan ung kaunting halaga na ilalaan natin ngayon para mapakinabangan natin sa hinaharap 💛

Dahil kapag dumating ung SADD (sickness, accidents,disability,death) EVENTS ng hindi tayo handa.. Wala na tayong masasabi sa sarili natin kundi SANA PALA NAKINIG AKO , SANA PALA NOON PA, SANA PALA ... SANA .. SANA..at ang pinakamasakit pa dun hindi natin alam kung saan tayo kukuha ng pera dahil lahat ng savings at ari a***n natin ay naubos na .

At kagaya ng mga naririnig ko, na para lamang sa mayayaman ang mga ganitong insurance, HINDI PO.
Libre po ang pagtatanong at proposal na pwede kong ibigay sa inyo. My mga plan din po tayo na swak sa needs at budget po ninyo .. feel free to message me .

05/04/2023

GET A FREE QUOTE NOW🤗

Nangangamba ka ba para sa pag-aaral ng anak mo?

o naghahanap ka ba ng investment para sa retirement fund mo?

Aba! Kung OO pag-usapan natin yan kasi INSURANCE INVESTMENT PLAN ang sagot sa hinahanap mo 😉

Insured kna kumikita kapa 😍

Wag mahihiyang magtanong kasi financial security ang nais namin para sayo at sa pamilya mo.✨️

VANESSA "Ysa" G. RIVERA
Licensed Financial Advisor
09056254432

04/04/2023

Ano nga ba ang life insurance?

Ano ang mga mabubuti at hindi magandang dulot nito?

Kailan ba dapat kumuha ng life insurance?

At anong insurance nga ba ang para sayo?

TARA! PAG-USAPAN natin yan.
Pero bago yun, panoorin muna natin si Sir Chinkee Tan para mas ating maunawaan 😉

VANESSA "Ysa" RIVERA
Licensed Financial Advisor
09056254432

04/04/2023

WHEN YOU GET SICK..
Friends/Relatives: Get well soon.
SUNLIFE : I will take care of your medical bills.

WHEN YOU DIE TOO SOON...
Friends/Relatives: Condolence.
SUNLIFE: I will take care of your family.

WHEN YOU LIVE TOO LONG...
Friends/Relatives: Kaya mo yan!
SUNLIFE: I will take care of you.

If you don't save for your medical bills, life insurance and investments today, do you think your friends and relatives will save you in the future? If your answer is YES, then, SANA ALL.

For LIFE, INSURANCE,INVESTMENT
I can help , ASK ME HOW

START NOW 👨‍👩‍👧‍👦🌞💪♥️

ctto

04/04/2023

Get your Investment-linked Life Insurance Plan today! For 10years to pay only and guaranteed Life Insurance Coverage until age 88

What needs are addressed by Variable Unit-linked Life Insurance Plan?

✔️Income Protection - your plan will protect you and your family from unforseen events. If uncertainty happens to the breadwinner, tuloy parin ang pag-aaral ng mga bata at tuloy ang business. Hindi titigil ang source of income ng family.

✔️Educational Fund - you can use your plan to pay for the College fee of your children. May mga schools na affordable ang tuition fee today but how sure are we that the tuition fee today will be the same amount in the next 10yrs?

✔️ Retirement Fund - what we experience today is glimpse of our retirement season, months palang ang hirap na, how much more if you reach your retirement age at 60, magsisimula na tayong magbilang ng taon, the question is are we prepared?

✔️Life Milestone - you can use your plan to fuel your dreams like travels, vacation or own business

Get a FREE Life Insurance quotation! 🎉
Simulan nang paghandaan ang Long term goals mo.

VANESSA "YSA" G. RIVERA
Licensed Financial Advisor
09056254432