24/02/2023
Usapang SUN SMARTER Life ELITE Peso 5/10 and VUL 🙂
Ano ang Sun Smarter Life Elite Peso 5/10?
Ito ay 5/10 year payment whole life insurance na merong GUARANTEED Cash Value and merong Guaranteed Anticipated Endowment Benefit.
Nagbibigay si Sun Life ng 8% GUARANTEED Cash Benefit on 6th year of the policy, and every other year thereafter until age 100.
Ano daw?
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 siya 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
Eh 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 😊
Eh paano kung 2,000,000 face amount
8% is 160,000 + dividend 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
***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
Eh paano naman ang VUL:
✅ Perfect for maliit/ sakto lang ang budget, it's an affordable plan for everyone (Depending on your capabilities and needs, talk to me know more)
✅ Flexible ang payment period
✅Okay sa long term investing
✅ Mas affordable kesa sa Elite 🙂
Happy Learning!
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