Financial Literacy 101
Education is the key to Financial Security
Sun MaxiLink Prime
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Life Insurance with Investment component
This is a VUL ( Variable Unit Linked) plan meaning Life Insurance with investment component. This is like a value meal in a fast food where for 1 price you get fries, burger and drinks.
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Part of your payment goes to insurance charges and part of it is being invested in stock market or in top corporations like Jollibee, SM, Ayala, PLDT,etc.
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The best part of it is you have fund value or savings where you can withdraw anytime in times of emergency, kids education, travel, retirement fund, etc.
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This plan is payable for at least 10 years and since this is flexible, you have options to shorten the payment or if you want to continue beyond 10 years to grow your money more, you can do it.
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For this plan, you are insured until age 88.
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Para kanino itong plan na to???
Ang plan na ito ay ideal para sa mga sumusunod:
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Single na breadwinner ng pamilya or gustong mag start ng investment plan habang bata pa, healthy at may income para sa future nia at ng pamilya or for a comfortable retirement.
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Parents na kailangan ng Income protection na kung may mangyari sa kanila or they are taken out of the picture, may matatanggap ang pamilya kapalit ng income nia ngayon para sa pamilya. Pwede din sa magulang na gusto ding kunan ng separate investment plan ang anak.
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Mga tao na meron nang existing investment at gusto mag diversify ng kanilang investment portfolio so they do not put all their eggs in 1 basket.
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Mga tao na may mga negosyo or properties na pwede nilang gamitin ang insurance proceeds pambayad ng Estate tax sa gobyerno para buong matatanggap ng pamilya yung mga naiwan na assets sa pamilya.
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Para sa mga tao na kumuha or kumukuha ng housing loan at gusto nilang gamitin ang insurance nila for MRI ( Mortgage Redemption Insurance).
Frequently Asked Questions
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HANGGANG KELAN AKO NAKA INSURED?
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Kung Maxilink Prime plan kinuha mo, insured ka until age 88.
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MAY MAKUKUHA BA ANG PAMILYA KO KAHIT ISANG HULOG PALANG AKO?
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Yes po. Ang insurance po ay isang kontrata na kahit isang beses pa lang naghulog ang insured at namatay siya, makukuha ng BUO ng pamilya kung magkano ang insurance face amount (Example 1 MILLION).
PAANO KUNG NAHINTO AKO SA PAGBABAYAD?
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Kung ang insured ay hindi muna makakabayad ng premium, wala pong late payment charge or penalty. Ang monrhly charge po ay doon na lang muna kukunin sa savings or sa fund value.Hanggat may sapat na fund value to cover monthly charge ng policy, DI MAGLA LAPSE ang policy.
PAANO KUNG AYAW KO NA ITULOY?
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Kung ayaw na talaga ituloy ni owner ng policy ang plan, makukuha nia lahat ng laman ng savings or fund value. The insurance will then be terminated so if the insured dies, walang makukuha ang family dahil terminated na ang contract.
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MAY MAKUKUHA BA ANG PAMILYA PAG ANG INSURED AY NAG SUICIDE?
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Kung si insured ay nag suicide, at within 2 years pa lang ang plan (Contestability period), walang makukuha ang beneficiaries.Ibabalik lang ang lahat ng naihulog. Kung MORE THAN 2 years na, then the family gets the insurance coverage plus the fund value.
PWEDE BA AKONG MAG WITHDRAW SA FUND VALUE KUNG KAILAN KO NG PERA?
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Yes. Ang purpose ng fund value ay for emergency, kids education or retirement fund, etc. Maari kang mag withdraw ng minimum na 5,000. Pero advisable na kung di naman talaga kailangan, then palaguin na lang muna natin for future use.
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SAAN AKO PWEDE MAGBAYAD?
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Ang unang payment ay pwede mo ideposit directly sa bank accounts ng Sun Life (BDO, BPI, METROBANK, UNION BANK, RCBC). Sa mga renewal or succeeding payments, BILLS PAYMENT na po gagamitin pag magbabayad sa bak.Pwede din magbayad sa mga sumusunod:
> Bayad Center
> Cebuana Lhuiller
> Gcash
PWEDE BA AKONG MAG MONTHLY PAYMENT?
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After mo magbayad ng initial payment na either quarterly, semi annual or annual, pwede mo na siang gawing monthly payment for your convenience.
PAANO PAG NALUGI ANG COMPANY?
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Ang Sun Life po ay 125 years na sa Pilipinas at matatag na po sia. Pero nothing in this world is permanent. Kaya po ang magagawa lang po natin at ng Sun Life ay ma minimize ang risk. Paano? Our fund Managers ONLY invest the money to the top corporations in the country and diversified po meaning they are not putting all eggs in one basket.Pangalawa, closely monitored po ng Insurance commission at Securities and Exchange Commission ang lahat ng Insurance Companies. They also require companies to have a sufficient cash reserves to make sure na mababayran ang mga policy holders if something worst happens.
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BAKA PAHIRAPAN PAG CLAIM?
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With Sun Life, you will experience the best customer service. Hindi po pinapahirapan ng Sun Life ang pamilya ng namatayan. Once the insured dies, the Advisor on record, goes to the family to get the death certificate and other documents. Then the Advisor submits it to head office.Then, once claim is approved, the Advisor goes back to the family to deliver the check..HINDI po namin pinapahirapan ang pamilya sa pag claim.Trabaho po ng Advisor yun.
GAANO KATAGAL ANG PAG CLAIM?
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Death claim can be processed as fast as 24-48 hours ( Speedy claim), especially pag wala naman issue sa cause of death at lampas na ng 2 years na contestability period. It can also last up to 1-3 months especially pag questionable ang cause of death or involve sa isang accident and need ng mga paperworks from the police, etc.Sun Life may conduct investigation to the cause of death especially pag within 2 years pa lang ang policy.
PAANO KUNG NAGRESIGN NA ANG ADVISOR?
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Once the Advisor resigns, dies or nawala sa Sun Life for whatever reason, the policy becomes ORPHAN, so Sun Life will assign a new Advisor for that client. The new Advisor then goes to the client and introduce himself as his/her new Servicing Advisor for any help he or she needs.
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WHAT IF SI INSURED AY BUHAY PA NG AGE 88?
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Once the insured reaches age 88, then ibibigay na ng Sun Life LAHAT ng fund value nia at that time and the policy terminates. So mawawala na din insurance nia after nun.
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SINO ANG PWEDE GAWING BENEFICIARY AT ILAN?
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Maaari bang gawing beneficiaries and immediate family, asawa, live in partner, anak, kapatid at magulang. Wala namang limit kung ilan ang ilalagay mo.
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Request a quotation / FREE Financial coaching
Need a sample computation or proposal so you will have an idea how much yung plan based sa age mo?...Kindly click HERE or send me a message at:
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09433493289