Lady Kristle Yague Viernes, Insurance Advisor and Unit Manager

28/06/2026

This is a heartbreaking reminder that the biggest risk isn’t choosing VUL or Term—it’s losing your insurability. 💛

Before replacing or terminating any insurance policy, it’s always wise to make sure your new application has already been approved and issued. Once our health changes, we may no longer qualify for coverage regardless of which product we choose.

VUL isn’t for everyone, and neither is Term. Each serves a different purpose depending on a person’s goals, budget, and financial situation. That’s why financial planning should never be based on trends or social media opinions alone, but on what’s appropriate for the individual.

I hope everything works out for the original poster. This is a valuable reminder for all of us to seek proper financial advice before making irreversible decisions. 🙏

Don’t cancel your existing policy until your replacement policy is already approved and in force.

25/06/2026

Study first, judge later.

Oo nga naman. You can’t know if it’s for you or not if you don’t even take the time to learn about it. Personal finance, including insurance, is personal.

24/06/2026

See you, Sun Lifers! 🌞💛 Let’s get LOUD this July 4!

Registration is still open for those who want to join and explore the opportunity of becoming an Advisor Candidate.

Come and discover how Sun Life has transformed countless lives—not only through financial protection and wealth planning, but also through meaningful careers and purpose-driven opportunities.

Message me to reserve your slot today! ✨

23/06/2026

𝐓𝐡𝐢𝐧𝐤𝐢𝐧𝐠 𝐨𝐟 𝐝𝐞𝐥𝐚𝐲𝐢𝐧𝐠 𝐲𝐨𝐮𝐫 𝐥𝐢𝐟𝐞 𝐚𝐧𝐝 𝐡𝐞𝐚𝐥𝐭𝐡 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?

Almost 80% of the people who inquire on my page are seniors. Beyond the comments, I receive even more private messages from those hoping to get insured.

Sadly, reality hits hard. Many are no longer insurable due to age, existing medical conditions, or significantly higher premiums.

Whether you choose to get insured today or years from now, the best time to apply is while you're still healthy and young.

When you're younger, the process is usually easier, approval chances are higher, and premiums are much more affordable.

𝐷𝑜𝑛'𝑡 𝑤𝑎𝑖𝑡 𝑢𝑛𝑡𝑖𝑙 𝑦𝑜𝑢 𝑛𝑒𝑒𝑑 𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒 𝑡𝑜 𝑔𝑒𝑡 𝑖𝑛𝑠𝑢𝑟𝑎𝑛𝑐𝑒. 𝐺𝑒𝑡 𝑝𝑟𝑜𝑡𝑒𝑐𝑡𝑒𝑑 𝑤ℎ𝑖𝑙𝑒 𝑦𝑜𝑢 𝑠𝑡𝑖𝑙𝑙 ℎ𝑎𝑣𝑒 𝑡ℎ𝑒 𝑝𝑟𝑖𝑣𝑖𝑙𝑒𝑔𝑒 𝑜𝑓 𝑐ℎ𝑜𝑖𝑐𝑒.

21/06/2026

21/06/2026

Alam nyo ba na may insurance plan si Sun Life na ang tawag namin ay 𝗦𝗨𝗡 𝗔𝗖𝗖𝗘𝗟𝗘𝗥𝟴.

This is a plan with 20 years maturity period kung saan insured ka na may malaking pera ka pa na makukuha! At 8yrs mo lang sya babayaran ha.

Bagay ito sa 𝗥𝗘𝗧𝗜𝗥𝗘𝗠𝗘𝗡𝗧 or pwede rin as 𝗘𝗗𝗨𝗖𝗔𝗧𝗜𝗢𝗡𝗔𝗟 𝗙𝗨𝗡𝗗 ng anak. Kaya kung gusto mo magdiversify or mag reallocate ng hard earned money mo, ito ang sample:

𝗙𝗲𝗺𝗮𝗹𝗲 𝗔𝗴𝗲 𝟯𝟬, 𝗡𝗼𝗻𝘀𝗺𝗼𝗸𝗲𝗿

Annual Premium P209,940 payable for 8 years only (kaya tinawag na ACCELER8)

𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 #𝟭: Makakakuha ka ng 8% ng face amount P80,000 starting sa year 8 and increasing by 2% and every other year until sa ika 20th year.

𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 #𝟮: May makukuha ka na non guaranteed amount ng dividend every year starting sa ika 9th year then every year for 20 years (pwede iwithdraw, pwede din iwanan to accumulate para mag earn ng interest)

𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 #𝟯: May makukuha ka na non guaranteed amount ng special bonus sa ika 8th year, projected at 𝗣𝟳𝟱,𝟯𝟬𝟵 (pwede din iwithdraw or iwanan kay Sun Life para lumago pa)

𝗖𝗮𝘀𝗵 𝗕𝗲𝗻𝗲𝗳𝗶𝘁 #𝟰: If walang mangyari sayo at totally healthy ka after 20 years, makakakuha ka na GUARANTEED CASH VALUE or yung maturity amount equivalent sa 102% ng face amount mo which is 𝗣𝟭,𝟬𝟮𝟬,𝟬𝟬𝟬!

𝗘𝘀𝘁𝗶𝗺𝗮𝘁𝗲𝗱 𝗧𝗼𝘁𝗮𝗹 𝗟𝗶𝘃𝗶𝗻𝗴 𝗕𝗲𝗻𝗲𝗳𝗶𝘁𝘀 after 20 years if walang withdrawal ng cash benefits 1-4: 𝗣𝟮,𝟳𝟬𝟯,𝟯𝟱𝟵! 💛

May peace of mind ka din kasi may insurance coverage ka starting at P1,000,000 and increasing by 16% for 8 years!

Total insurance coverage amount at year 9-20: 𝗣𝟯,𝟵𝟲𝟯,𝟯𝟱𝟵

O di ba ang ganda! Kumita ka na protected ka pa!

Kung gusto mo ito, DM me and I will discuss it with you. I’ll be happy to assist you! ☀️

20/06/2026

If you're thinking of canceling your policy, take a moment to remember who it was meant to protect.

Your advisor will be okay.
But your family only has one you.

20/06/2026

Sun Life Plans with guaranteed pay out

✅Sun Smarter Life Elite — every other year staring sa ika 6th year ng policy.Endowment plan na may guaranteed cash benefit + dividends and other living benefits .

✅ Sun life secure income — newest plan that gives yearly guaranteed pay out naman 💛 ☺️

Lifetime ang income mga ma’am/sir 🥰 insured ka na may cash pay out pa . Good for retirement , educational fund ,pang travel goals etc.

Message me for inquiries 💛

ROSMAR TAN, IBINIDA ANG MILYON-MILYONG LIFE INSURANCE NG KANYANG PAMILYA

Ibinahagi ni Rosmar Tan ang milyon-milyong halaga ng life insurance ng kanilang pamilya.

Ayon sa kanya, insured ang kanyang mga anak na may matatanggap habang buhay, habang sila ng kanyang asawa ay may malaking coverage din.

Dagdag pa niya, malaking halaga rin ang nakatakdang bayaran nila para sa Sun Life insurance sa susunod na buwan.

19/06/2026

Maraming Salamat po sa patuloy na pagtitiwala 🙏