Financial Literacy 101
Education is the key to Financial Security
Para kanino itong plan na to???
Ang plan na ito ay ideal para sa mga sumusunod:
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Mga tao na gustong mag start magkaroon ng Insurance na may critical illness at very affordable price.
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Mga tao na meron nang existing insurance pero walang critical illness benefits. This plan will protect your investment dahil kung dapuan ka ng critical illness at wala kang ganitong coverage, no choice kakundi i withdraw mo savings at investment mo so posibleng ma wipe out lahat yun....
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Mga tao na merong family history ng critical illness like cancer, heart and kidney failure etc. The more na dapat kang kumuha nito habang healthy ka pa at mura pa.
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Mga tao na gustong palakihin ang insurance coverage nila.
Sun Life Assure
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Life Insurance with Major Critical illness
Worry less about costly treatment and hospital bills. Upon diagnosis or undergoing of any of the 36 covered critical illnesses and surgeries, you can get a lump sum cash benefit equal to your plan's Face Amount.
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For maximum protection, you can enhance your plan through the addition of riders to cover unforeseen contingencies such as accidents and disability.
LIFE INSURANCE PROTECTION Secure your loved ones' future with guaranteed life insurance protection equivalent to the policy's Face Amount.
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AUTOMATIC RENEWABILITY Your coverage automatically renews every 5 years with premiums adjusted based on the Insured's attained age upon renewal. This provides protection until age 70 regardless of your health condition. Thus, you are provided with longer protection from unexpected serious illnesses.
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Note: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.
How much is it?
The price varies depende sa age, gender and smoking habit. Mas bata ang insured, mas mura so it is always recommended na kumuha habang bata pa and healthy.
How does this plan work?
Kung ang pinili ni insured na plan ay halimbawa ang Faca Amount ay 1 Million, payable sia in 5 years. Kung may nangyari sa kanya within 5 years * kung ano mauna, death or nagka major critical illness), ibibigay na ang 1 MILLION sa family, in case of death or sa insured , in case of critical illness para may magamit nia for medication and hospital bills para di ma wipe out ang savings or investment nia. Once na ibigay na ang ! MILLION, tapo na or terminated na ang contract.
Now, in the event naman na walang nangyari meaning di nagka major critical illness or di namatay si insured, need nia uli magbayad or i renew ng panibago for another 5 years for another protection or peace of mind. This time, mas mataas na ng kaunti dahi nadagdagan na edad nia. But the good news is , di na kailangan pa mag medical so if nagkaroon sia bigla ng major critical illness, covered na agad yun at wala nang waiting period na 90 days.
Does it have an investment?
Now,since this is a term insurance, wala siang kasamang investment. If you want an insurance plan na may kasamang investment na affordable din naman, you can check other plans like Sun Maxi Prime or Sun Maxi 100.
