Financial Talks with Jinalyn

05/11/2023

‘Tis the season to achieve your life goals! 💛

In securing a brighter future, Sun Life is here to help you reach your dreams. Make the last 50 days 'til Christmas count and gift yourself the gift of financial independence. ✨

Want to get life insurance or investment? Connect to a Sun Life Advisor today!

05/11/2023

17/07/2023

GUARANTEED CASH FOR YOURSELF OR YOUR KIDS FOR LIFE!

Sun Smarter Life Elite Peso 5/10?
Ito ay 5 or 10 year-pay whole life insurance na merong GUARANTEED Cash Value, Guaranteed Anticipated Endowment Benefit and Dividends.

Nagbibigay ang Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.

✅ Magbibigay si Sunlife ng guaranteed 8% ng face amount on 6th year of the policy kada 2 taon ang pagbigay hanggang tumanda ka until age 100. Diba ang ganda, may pension ka until you reach age 100.

Ano ang PROS ng Sun Smarter Life Elite 5/10:
✅ Double ang face amount upon death of the insured
✅ Meron syang GUARANTEED 8% na endowment benefit
✅ Meron kang dividend (not guaranteed, projected 3%)
✅ Great for child's educational fund from 0 to 10 years old
✅ Ikaw ang bahalang ilipat sa anak mo ang cash benefit, until magka-apo ka, meron kang makukuha until age 100.
✅ Depende sa laki ng face amount ang laki ng 8% endowment benefit na makukuha
✅ Meron waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan (God forbid), makakatanggap siya ng pera until age 100
✅ Okay ito sa taong may hesitations sa VUL, kung hindi sila comfortable iinvest sa stocks ang pera nila
✅ Perfect para sa mga taong sigurista
✅ May paying period na 5 years or 10 years
✅ Merong Accidental Death at Total Disability Benefit

Anu-ano naman ang CONS nito:
▪️ Pwede sya sa mga taong merong budget na 6K or more per month para sa plan nila
▪️ Hindi ka naghahawak ng shares ng top companies sa pilipinas (shareholder)
▪️ Hindi ka naka-invest sa stocks, money market, bonds, etc.

🙂 🙂 🙂
For example if you have
1,000,000 face amount..
8% is 80,000

Child: 0 year old

6th year : 80,000 + dividends
8th year: 80,000 + dividends
10th year: 80,000 + dividends
12th year: 80,000 + dividends until 100 years old 🙂 🙂 🙂
Just do the math 😊

Paano kung 2,000,000 face amount?
8% is 160,000 + dividends on the 6th year, 2 years thereafter until age 100 🙂 🙂 🙂

* The lowest face amount allowed is Php 200,000
***Pwede mong ipunin ang pera and leave it to accumulate at 3.8% per annum - mas malaki kesa interest sa bank!
***Kahit saan pwede mong paggamitan ang pera (House & Lot, Travel Goals, Kids’ Education, Retirement, etc.) It’s YOUR money 🙂
* You can use the money as pension

For free financial planning, message me! 😊

Jinalyn Baral
Licensed Financial Advisor
Sun Life Philippines

08/06/2023

Every opportunity, whether it becomes a failure or a success, leads you closer to the brighter future you deserve. Don't be afraid to take it! 💛

08/06/2023

Some people don't know the importance of life insurance.
Some people see it as another bill, the smart ones see it as a generational wealth while protecting those they love. it's crazy how your car insurance is mandatory but protecting your spouse and children is optional. - Keishorne Scott

08/06/2023

🌞 SUN LIFE PH: 128 years
"Ang Insurance ay tanda ng Pagmamahal."
- Ms Charo Santos Concio

Real Story:
Most of you will skip this post because it's about "life insurance". This is one of the Philippines' major problems. Only a few people understand the value of life insurance.
Whenever approached by an insurance agent, they immediately decline without giving any second thought about their decision.
Let me share with you a story for you to understand the importance of life insurance.
Maria Theresa was an engineer and so her husband Lito. One day, Maria Theresa was approached by an insurance agent and discussed with her the importance of life insurance. She got interested in buying insurance for herself and for her husband when she learned how important it is. She invited the agent to her home on weekend, so her husband could hear also what she had learned. When the agent arrived, she called her husband who was busy talking to someone on the phone. But when her husband learned that it was about insurance he immediately dismissed the agent by saying "Insurance? I don't have time for that!"
Maria Theresa felt embarassed by her husband's behavior, and because of this she told the agent to just meet her again at her office. To cut the long story short, Maria Theresa bought life insurance for herself.
Two years later, Maria Theresa suffered a heart attack, was rushed to the emergency room but did not survive. When the agent learned about it, she talked to Theresa's secretary to prepare the necessary documents needed to process the claim.
The agent visited the wake of Maria Theresa bringing a mass card with her. The agent approached Lito and asked him if he still remembers her. Lito replied that he seems to. The agent said: "I am the agent who was invited by your wife one weekend in your house to discuss life insurance. But you told us that you did not have time for life insurance. But Maria Theresa loved you so much that she bought life insurance policy worth 20 million. Now Lito, may I ask you, do you have time for 20 million?
Most of us think that having life insurance is like preparing for your own death. Since most of us were not taught the value of financial planning in school, what more about the importance of life insurance?
YOU DON’T BUY LIFE INSURANCE BECAUSE SOMEONE HAS TO DIE,
YOU BUY LIFE INSURANCE BECAUSE SOMEONE HAS TO LIVE.
You owe it to your loved ones.
Be financially literate and learn proper financial planning for your familys future, business and investment, decision is always yours.🙂

Your Licensed Sun Life Advisor,
Jinalyn Ramos Baral - Cervantes

ctto

27/05/2023

Hmmmm? 🤔 Oo nga naman!

29/03/2023

GUARANTEED CASH FOR YOURSELF OR YOUR KIDS FOR LIFE!

Sun Smarter Life Elite Peso 5/10?
Ito ay 5 or 10 year-pay whole life insurance na merong GUARANTEED Cash Value, Guaranteed Anticipated Endowment Benefit and Dividends.

Nagbibigay ang Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.

✅ Magbibigay si Sunlife ng guaranteed 8% ng face amount on 6th year of the policy kada 2 taon ang pagbigay hanggang tumanda ka until age 100. Diba ang ganda, may pension ka until you reach age 100.

Ano ang PROS ng Sun Smarter Life Elite 5/10:
✅ Double ang face amount upon death of the insured
✅ Meron syang GUARANTEED 8% na endowment benefit
✅ Meron kang dividend (not guaranteed, projected 3%)
✅ Great for child's educational fund from 0 to 10 years old
✅ Ikaw ang bahalang ilipat sa anak mo ang cash benefit, until magka-apo ka, meron kang makukuha until age 100.
✅ Depende sa laki ng face amount ang laki ng 8% endowment benefit na makukuha
✅ Meron waiver of premium kapag namatay ang nagbabayad ng policy, ibig sabihin secured ang education ng bata kahit mawala ka sa mundo ng hindi inaasahan (God forbid), makakatanggap siya ng pera until age 100
✅ Okay ito sa taong may hesitations sa VUL, kung hindi sila comfortable iinvest sa stocks ang pera nila
✅ Perfect para sa mga taong sigurista
✅ May paying period na 5 years or 10 years
✅ Merong Accidental Death at Total Disability Benefit

Anu-ano naman ang CONS nito:
▪️ Pwede sya sa mga taong merong budget na 6K or more per month para sa plan nila
▪️ Hindi ka naghahawak ng shares ng top companies sa pilipinas (shareholder)
▪️ Hindi ka naka-invest sa stocks, money market, bonds, etc.

🙂 🙂 🙂
For example if you have
1,000,000 face amount..
8% is 80,000

Child: 0 year old

6th year : 80,000 + dividends
8th year: 80,000 + dividends
10th year: 80,000 + dividends
12th year: 80,000 + dividends until 100 years old 🙂 🙂 🙂
Just do the math 😊

Paano kung 2,000,000 face amount?
8% is 160,000 + dividends on the 6th year, 2 years thereafter until age 100 🙂 🙂 🙂

* The lowest face amount allowed is Php 200,000
***Pwede mong ipunin ang pera and leave it to accumulate at 3.8% per annum - mas malaki kesa interest sa bank!
***Kahit saan pwede mong paggamitan ang pera (House & Lot, Travel Goals, Kids’ Education, Retirement, etc.) It’s YOUR money 🙂
* You can use the money as pension

25/03/2023

Financial planning with Roxanne Maglaque and Anne Li Zha ♥️♥️♥️

23/03/2023

Insurance is NEVER just a PERSONAL CONCERN.. 💁‍♂️/💁‍♀️

It's a FAMILY CONCERN..👨‍👩‍👧‍👦👨‍👩‍👦👨‍👩‍👧👨‍👦👩‍👦

Whatever happens to any of your family members will not just affect them but also you and your savings, your investments, your goals, and dreams.

Kaya kung ikaw palang ang insured sa family niyo then maybe it's TIME to start having this CONVERSATION with them. 😇

14/03/2023

Consider this:

• 𝐓𝐮𝐫𝐧𝐢𝐧𝐠 𝐏𝟑,𝟎𝟎𝟎 𝐢𝐧𝐭𝐨 𝐏𝟑,𝟎𝟎𝟗.𝟓𝟎 𝐢𝐬 𝐜𝐚𝐥𝐥𝐞𝐝 𝐚 𝐁𝐀𝐍𝐊.
• 𝐓𝐮𝐫𝐧𝐢𝐧𝐠 𝐏𝟑,𝟎𝟎𝟎 𝐢𝐧𝐭𝐨 𝐏𝟑,𝟑𝟎𝟎 𝐢𝐬 𝐜𝐚𝐥𝐥𝐞𝐝 𝐚𝐧 𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓.
• 𝐓𝐮𝐫𝐧𝐢𝐧𝐠 𝐏𝟑,𝟎𝟎𝟎 𝐢𝐧𝐭𝐨 𝐏𝐡𝐩 𝟐,𝟎𝟎𝟎,𝟎𝟎𝟎 𝐢𝐬 𝐜𝐚𝐥𝐥𝐞𝐝 𝐚𝐧 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄.

Good thing you can be insured while investing.🥳

𝘼 𝙥𝙚𝙧𝙨𝙤𝙣, 𝙣𝙤 𝙢𝙖𝙩𝙩𝙚𝙧 𝙝𝙤𝙬 𝙘𝙖𝙥𝙖𝙗𝙡𝙚 𝙝𝙚 𝙞𝙨 𝙞𝙣 𝙝𝙞𝙨 𝙡𝙞𝙛𝙚𝙩𝙞𝙢𝙚, 𝙘𝙖𝙣𝙣𝙤𝙩 𝙖𝙫𝙤𝙞𝙙 𝙩𝙬𝙤 𝙩𝙝𝙞𝙣𝙜𝙨 — 𝙨𝙞𝙘𝙠𝙣𝙚𝙨𝙨 𝙖𝙣𝙙 𝙙𝙚𝙖𝙩𝙝.

When a person is bedridden:
1. A gift of Php 2,000 could be from FRIENDS.
2. A gift of Php 20,000 could be from RELATIVES.
3. A gift of Php 1,000,000 OR MORE could be from LIFE INSURANCE.

Life is hard as it is and full of uncertainties. It won’t hurt you to be more prepared especially in securing your family’s future. 😊

21/02/2023

Start securing your child's education today!