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 magulang na gustong protektahan ang kanilang anak financially for Life.Kahit bagong silang ang anak, pwede na nilang kunan nito para mas mura.
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Para sa mga lolo,lola,tito or tita na gustong pamanahan ng malaki ang kanilang apo or pamangkin para habang buhay sila maaalala nito kahit wala na sila.
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For anyone, even adult na gustong magkaroon ng parang PENSION habang buhay na parang sa SSS or GSIS pero malaking halaga.
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Mga tao na gustong palakihin ang insurance coverage nila.
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Mga business owners na gustong magkaroon ng funds para pambayad sa Estate Tax sa gobyerno pag nawala sila upang di na mabawasan yung mga savings, properties or investment at buong makukuha ng kanyang pamilya lahat ng naipundar nia.
Sun Smarter Life Elite Peso 10
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Life Insurance with guaranteed endowment
This is one of the best plans in Sun Life because the Insurance coverage doubles, Example the Face amount of 1 MILLION, the insurance benefit becomes 2 MILLION.
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Starting at the end of 6th year of paying the premium, the insured receives 6% of the Face amount. For example if the face amount is 1 MILLION and the insured is 1 year old, starting at the end of 7 years old, the insured will receive a guaranteed 80,000 and every 2 years thereafter. So meaning on the 7 ,9,11,13 years old onwards for life until age 100.
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It also earns Dividends yearly *(Not guaranteed) depending on the company earning on the previous year. Insured has option to receive it or leave it in the plan for it to grow more.
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The insured can also loan against the policy if he needs money for any purpose.
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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. Kahit 0 year old ang bata, pwede na kunan nito.
Pwede ba siang bayaran monthly?
Ang payment options natin ay Annual, semi annual or quarterly. Mas mura sia at makakatipid ka kung Annual mo sia babayaran.
Pwede ba na 500,000 lang Face amount?
Yes, pwede so bale ang insurance noon ay 1 MILLION at ang guaranteed na matatanggap ay 40,000 starting at the end
of 6 years and every 2 years thereafter. Kung 1 MILLION kasi ang face amount, 80,000 yung guaranteed amount.
Does it have an investment?
Ang plan na ito ay traditional plan so walang investment kaya guaranteed yung endowment nia so di ka
mag aalala kung tumataas or bumababa ang stock market
Paano kung di pa kaya ng budget ang plan na ito?
May ibang options pa naman tayo like VUL (Variable Unit Link), Insurance with investment at yun affordable sia. Pwede muna mag start dun kaysa sa walang nasimulan at all. Now,, kung ok na ang finances, pwede naman kumuha ng isa
pang plan tulad nitong Sun Smarter Life Elite 10. And I will guide you all the way until mareach mo and ng anak mo or pamilya mo ang Financial Security.
Frequently Asked Questions
