PMT Forum

News: Always Present! ka ba? Sign the JULY 2015 Attendance Sheet for at least 20 days this month and earn your Always Present award! :watchuthink:

Search Money Investments

* PMT Shoutbox

Refresh History
  • OMG.27: read read read and read....................
    Today at 12:02 AM
  • strykenjames07: Hi, im just newbie here, hopefully this forum helps me a lot to be educated in terms of financial sapects, in business side like in real state investing, about stocks and mutual funds.
    Yesterday at 05:01 PM
  • strykenjames07: just register today, napkagnda ng forum na to napakaraming topics, hoping i learn a lot here.
    Yesterday at 04:58 PM
  • freefront: http://www.pinoymoneytalk.com/category/featured-popular/
    Yesterday at 03:39 PM
  • freefront: @regor SHIP! Ship! Abandon Ship!!!! Why are you thinking small? Has to be catastrophic para bongga  :D
    Yesterday at 02:51 PM
  • regor: Abandon Boat..!!!!
    Yesterday at 11:30 AM
  • kalvinjoson: MPI
    Jul 05, 2015, 09:15 PM
  • asherley: hi to all! newbie po ako..I have learned a lot in this forum that's why I join. I just wanna seek your advise. I just want to hear feedbacks regarding Borland developer. Nagpareserve napo ako ng isang unit sa may north fairway located sa muzon san jose del monte bulacan. I will start paying monthly equity this month but still I am not sure if i am going to pursue it, medyo hesitant ako. Any feedback for the quality of the house from Borland Developer? and usually gaano katagal ang turnover? If someone knows, your information is really a big help. Thanks in advance!
    Jul 04, 2015, 10:25 PM
  • dmolinaj24: hi sir tnx for the reply, actually I have a problem with the schedule I still don't have leaves hence I can't attend to both free seminars from col and pse
    Jul 03, 2015, 10:43 AM
  • wonderfulpittance: @dmolinaj24 check out colfinancial. they're also giving out free seminars https://www.colfinancial.com/ape/Final2/home/investor_education.asp
    Jul 03, 2015, 09:41 AM
  • dmolinaj24: guys may alam ba kayong seminar for stocks?
    Jul 02, 2015, 07:10 PM
  • lodelyn23: help me here pls
    Jul 02, 2015, 09:20 AM
  • lodelyn23: hi
    Jul 02, 2015, 08:57 AM
  • hanson15: interactive broker
    Jul 01, 2015, 04:46 PM
  • edspecks2004: anong issue sa pro-friends???
    Jun 30, 2015, 10:28 AM
  • Algemele: Kamusta
    Jun 28, 2015, 01:57 PM
  • hernameisKhassy: PSETradex
    Jun 26, 2015, 11:49 AM
  • hernameisKhassy: bago na po kasi ang trading platform ng PSE which is TRADEX
    Jun 26, 2015, 11:43 AM
  • waynenovera23: PSE Trading game po yung tinutukoy ko
    Jun 26, 2015, 09:28 AM
  • waynenovera23: Good Morning, bakit po di nagana yung pse? 2 weeks na po akong nagaantay lagi naman po akong tama sa oras (9am)
    Jun 26, 2015, 09:28 AM
  • dragonknight: good morning
    Jun 26, 2015, 07:42 AM
  • weng2nelo: ukay ukay
    Jun 25, 2015, 09:36 AM
  • dragonknight: good morning im new here
    Jun 25, 2015, 06:47 AM
  • OMG.27: hallooooooooooooooooooooooooooooo............ tropppaaaaaa pipppsssss
    Jun 24, 2015, 08:18 PM
  • BridgetteWuReyes: hi
    Jun 23, 2015, 10:30 PM
  • Braun.reivn: pagibig
    Jun 22, 2015, 10:33 AM
  • Bart: peif
    Jun 22, 2015, 12:02 AM
  • Kim1: Sir/Madam newbie po. saan pwde mag post yung may nagreresponse agad. about lotto franchise and one stop shop franchise like ticketing, bills payment, remittance, loading. Thanks po...
    Jun 21, 2015, 02:52 PM
  • Kim1: Sir/Madam good day! newbie po. sana matulongan nyo ako sa plano ko mag lotto franchise? or franchise sa all in services( one stop shop outlet) like ticketing, remittance, loading, bills payment pero priority ko yung lotto franchise. may naipon na ako capital sa lotto franchise at may nka ready na din na location/area. ang gusto ko lng malaman ko kung magkano percentage sa income at kung mayron pa ba additional payment o additional fund to operate maliban sa cash bond na 300k, installation fee 10k at application fee 2k. at refundable ba yung cash bond in case ayaw muna ituloy yung business? Thanks in advance.
    Jun 21, 2015, 02:45 PM
  • DOCFERDZ: hello
    Jun 21, 2015, 02:27 PM
  • DOCFERDZ: hello
    Jun 21, 2015, 02:26 PM
  • freefront: @radex- try CHIB.
    Jun 21, 2015, 07:06 AM
  • repoh31: Hello po sa lahat
    Jun 19, 2015, 09:57 PM
  • radex: Guys my post kaya dto ng  PSE Stock: CHI? hindi ko makita hehe
    Jun 19, 2015, 06:50 AM
  • theycallmewy: Thanks. Im interested about that. Anyone here kung sino may fb group ng investors/traders
    Jun 19, 2015, 04:03 AM
  • charlene21: International Marketing Group :)
    Jun 19, 2015, 04:00 AM
  • theycallmewy: what is IMG?
    Jun 19, 2015, 03:54 AM
  • charlene21: sino member ng IMG dto? :)
    Jun 18, 2015, 11:51 PM
  • charlene21: hello business minded people :)
    Jun 18, 2015, 10:25 PM
  • OMG.27: I am looking for my dream business. Have you see it? waahhhhhhhhhhhhhhhhhhhhhh
    Jun 18, 2015, 08:20 PM
  • tinny_rn: hello pipol!
    Jun 17, 2015, 04:09 PM
  • grayback_01: yohhoooo! great day everyone!
    Jun 17, 2015, 11:31 AM
  • seanva: hi good day!
    Jun 17, 2015, 08:39 AM
  • fatbuccha: sa mga nag sstocks market dyan, ano gamit nyo na app pang monitor ng stocks? for android?
    Jun 17, 2015, 12:57 AM
  • fatbuccha: hello sa mga tao jan :)
    Jun 17, 2015, 12:55 AM
  • freefront: random thead
    Jun 16, 2015, 03:22 PM
  • OMG.27: hello sino dito ang mga nasa Africa? dito ako sa Zimbabwe...
    Jun 16, 2015, 01:59 AM
  • budoi: bukas ba si pse ngaun???
    Jun 15, 2015, 05:50 AM
  • jefferyagdulas: Pm me sa mga pinoy na nasa switzerland or my kakilala thanks ☺️
    Jun 15, 2015, 01:43 AM
  • jefferyagdulas: hello sino nasa hungary ngayon? or switzerland ?
    Jun 14, 2015, 05:27 PM

Click LIKE, TWEET or +1 to earn PMT Badges!

Author Topic: Sun Life Flexilink VUL  (Read 63072 times)

Offline Leonzky

  • Associate Member
  • *
  • Thanks Received: 0
  • Gender: Male
    • Awards
Re: Sun Life Flexilink VUL
« Reply #285 on: Jun 23, 2011, 06:56 PM »
  • Publish
  • I think I remember---- something like, they can give you a discount only if you pay minimum of 3 or 5 years?

    This is on traditional products. No discount on VUL products, if you shorten your paying period then you just increase your fund by buying more units and any excess on the annual premium will be considered top up.

    @ikaela
    if you are in the Philippines then there could be an agent in your area.

    You should be looking on traditional products they are much cheaper than VUL, i.e Smartstarter a participating product. You could add a rider for your health coverage. You would be unable to do so with a term coverage.
    Sun Life Financial Advisor
    09228954053/ 09178585366 Life is Brighter Under the Sun

    Offline mxherr5

    • PMT Jedi
    • *
    • Thanks Received: 0
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #286 on: Jun 23, 2011, 07:41 PM »
  • Publish

  • I've been quoted an up-to-age-65 term insurance policy and the premium was almost P12,000 a year (with increases every 5 years). With Flexilink, it's P13,000 a year. I can definitely live with adding just P1,000 more per annum for 10 years if it means getting a longer coverage (up to 88 years old right?) AND a return on my investment (even if the costs are high).

    You need to look at a LEVEL term to age 65 product.
    There are no increases.
    Try to look at Insular's I-Insure and Philam's Guardian.

    I was quoted around 4k for age 23 with a 1M coverage
    with Insular and 6k with Philam.

    You can add riders with Philam's product.. Not so sure
    if you can do the same with Insular's

    Good Luck!

    Post Merge: Jun 23, 2011, 07:53 PM

    I've been quoted an up-to-age-65 term insurance policy and the premium was almost P12,000 a year (with increases every 5 years). With Flexilink, it's P13,000 a year. I can definitely live with adding just P1,000 more per annum for 10 years if it means getting a longer coverage (up to 88 years old right?) AND a return on my investment (even if the costs are high).

    Where did this 1,000 per annum more come from?
    You mean, you'll be willing to pay 1,000 more so you'll
    have a bigger fund value?
    And you want this bigger fund value so your policy would
    last until your age 88.

    I'm guessing that the premium has been computed
    by actuaries so that the fund value would last until
    age 88, assuming a return of at least 4%(that's my
    guess since that's the lowest return on the proposal
    hehehe)
    « Last Edit: Jun 23, 2011, 07:53 PM by mxherr5 »

    Offline ikaela

    • Senior Member
    • *
    • Thanks Received: 0
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #287 on: Jun 23, 2011, 08:21 PM »
  • Publish
  • Leonzky - I checked out the Smartstarter. What are the major differences between the Smartstarter and the Smartstarter Plus? Difference in price?

    Anyway, I think I should email you. Could you give me a quote for the Smartstarter?

    mxherr5 - That 12,000 per year was for Philam's Guardian, including all the riders I want. The 1,000 is the difference in the premiums I would pay for Philam Guardian vs. Sunlife Flexilink.



    « Last Edit: Jun 23, 2011, 08:48 PM by ikaela »

    PMT Forum

    Re: Sun Life Flexilink VUL
    « Reply #287 on: Jun 23, 2011, 08:21 PM »


    * * * * * sponsored links * * * * *

    Offline mxherr5

    • PMT Jedi
    • *
    • Thanks Received: 0
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #288 on: Jun 23, 2011, 09:44 PM »
  • Publish
  • 13k for 500k coverage ba yan?
    Wow, so that means 12k ang guardian for 500k?
    Parang ang mahal at sabi mo every 5 years tumataas?
    Hindi naman tumataas yun.. bka ibang variant yung
    quote sa iyo?

    Also, try to look into Insular's term product.
    You can try to pm mjtfernandez, taga Insular yun

    Offline ikaela

    • Senior Member
    • *
    • Thanks Received: 0
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #289 on: Jun 23, 2011, 10:36 PM »
  • Publish
  • ^Yes, the 13k is for 500k coverage with Sunlife Flexilink.

    I just checked the printout Philamlife gave me and I'm sorry, it says 11,500+ for Guardian 10. So it increases after 10 years (and not 5 years)?

    I will check with Insular, thanks. I know that you like making charts, calculations and comparisons from reading this thread and if you think they've got a good product, I think I believe you!

    Offline mxherr5

    • PMT Jedi
    • *
    • Thanks Received: 0
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #290 on: Jun 23, 2011, 11:14 PM »
  • Publish
  • I just rechecked my inbox for you and its called Guardian 65
    and the exact premium is 5,890 for an age 63. No gender
    is specified though. I'm guessing this is for a female as I
    was shopping for insurance for my wife at that time =D

    here's what it says

    Philamlife's Guardian 65 offers you the following benefits:
     
    •  Guaranteed protection of 1,000,000.00, until age 65! Renewable without evidence of insurability, which may cover you up to age 80!
    •  Convertible to any permanent plan up to attainment of age 60!
    For this product, total premiums payable for a GUARANTEED PERIOD of 41 year/s only amount to:  5,890.00


    It wouldn't hurt to ask your Philam agent for another quote =D
    I got this quote just last year so I would think they still offer this variant

    Offline gigabytes

    • Senior Member
    • *
    • Thanks Received: 0
    • Gender: Male
    • Sun Life Financial Advisor
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #291 on: Jun 28, 2011, 12:56 AM »
  • Publish
  • Mejo over rated lang ung mga charges ni Sunlife because we know the breakdown. But if you'll compare it to a whole life product, you will see that usually, it is at the end of year 2 or year 3 or year 4 before it actually gives you a cash value.

    It may be cheap but the lengthy payment is the one that will turn you off.

    So in essense, mas malaki pa nga ang charges nun, kasi kay VUL product, year 1 palang may fund value na di ba?

    Kung may extra fund ka rin lang, try to mix and match Maxilink Prime + Life Assure. Based on a computations I did with a client, mas magbenefit sa ganung approach up to age 65 since the charges are less in Maxi Prime than in Flexilink.

    Downside nga lang is that, mas mahal xa lalabas since mas mahal ang Maxilink Prime kaysa Flexilink. But if it will mean bigger fund value, it's just like mas malaking puhunan sa mas malaking kita. :D





    It's nice on paper and all but OMG, the charges are ASTRONOMICAL. I understand that you have to pay for the cost of insurance, but why is the premium charge/sales load a staggering 5% per top-up (is this charged even after the 10-year paying period)?!?

    And what is that periodic charge from the 2nd year to the 5th year? What does it pay for?

    We haven't even touched on the management fees, redemption fees and etc. yet, so in effect, this is one very cheap insurance product tied up with a very expensive investment product.
    If you want help in opening  MF / Insurance with Sun Life Financials, I can assist you. Make saving and investing a habit 09228978077 YM gigabytes27 -http://www

    Offline irod

    • Newbie
    • *
    • Thanks Received: 0
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #292 on: Jul 11, 2011, 10:19 PM »
  • Publish
  • I had availed the Sun Life Flexilink VUL sometime last year so far it does not look profitable yet but since it is for the long term it is fine.

    « Last Edit: Jul 14, 2011, 11:51 PM by FutureGizmo »

    Offline Rothschild

    • Posting Specialist
    • *
    • Thanks Received: 0
    • Gender: Male
    • Buy when there's blood running in the street...
    • Awards Member since 2010 Banking and Insurance Boss
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #293 on: Aug 30, 2011, 06:36 PM »
  • Publish
  • DONT INVEST ON SUNLIFE Products kasi its not profitable!!! ang nagsasabi lang na ok yan ay yung mga agents.. ask them for proof kung sila mismo ay bumili ng products nila at sasabihin  nila ay hindi..kung meron man ay konti lang wag lang na masabi na di sila bumili..Take note kung talagang maganda yang SUNLIFE dapat they will invest a huge amount of their own money di ba? hehe
    Give me control of a nation's money and I care not who makes the laws.

    Offline freedomfighter

    • Forum Expert
    • *
    • Thanks Received: 0
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #294 on: Sep 12, 2011, 02:09 PM »
  • Publish
  • Rothschild, please get your facts straight.   Nagmumukha ka lang kasing troll dyan sa ginagawa mo. You can easily see our historical performance simply by visiting our website.  Baka inggit ka lang kasi sa amin na mga Sun Life advisors?  Baka lalo ka lang mamatay sa inggit dyan kapag dinisclosed namin sa iyo personal investments namin sa Sunlife.


    'If you fail to plan, you plan to fail. Protect your dreams, NOW!'  contact me at 0922-8803858 thonycoors7@yahoo.com and anthony.s.cura@sunlife.com.ph

    Offline Leonzky

    • Associate Member
    • *
    • Thanks Received: 0
    • Gender: Male
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #295 on: Sep 15, 2011, 01:30 PM »
  • Publish
  • I would gladly send you the page 2 of our VUL proposals. The facts are there and if you wouldn't want to get it from a Sun Life advisor then get it from the Insurance Commission.


    Or do you just want to level up in the forum? Every insurance thread has your trademark.
    Sun Life Financial Advisor
    09228954053/ 09178585366 Life is Brighter Under the Sun

    Offline r00tcipher

    • Posting Whiz
    • *
    • Thanks Received: 0
    • Awards Member since 2007
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #296 on: Sep 22, 2011, 04:12 PM »
  • Publish
  • nag login ako sa sunlife page, meron dun

    Fund Value as of Issue Date    :    
    Fund Value as of September 22, 2011 :


    kelan ung issue date na un? pano kinokompute ung fund value?
    quarterly kasi ako naghuhulog. meron dn sa history nya pag click ko me mga number of units. ano un i-add ko lang lahat ng units kada transaction sa loob ng hyperlink tapos un ba yung total number ng units ko?

    Offline mxherr5

    • PMT Jedi
    • *
    • Thanks Received: 0
    • Gender: Male
    • Awards Member since 2007 Banking and Insurance Boss Investments Idol
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #297 on: Sep 23, 2011, 06:42 AM »
  • Publish
  • Issue date, the fund value on the 1st day of your policy.
    Useless stat if you ask me.

    Fund value is # of units x Sep 22 NAVPU.

    If you want to know how many units you have.
    Just use the message center.
    That's what I do if my quicken records doesn't match
    Sunlife's. They reply fast

    Hope that helped.

    Offline Rothschild

    • Posting Specialist
    • *
    • Thanks Received: 0
    • Gender: Male
    • Buy when there's blood running in the street...
    • Awards Member since 2010 Banking and Insurance Boss
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #298 on: Oct 20, 2012, 11:05 AM »
  • Publish
  • Rothschild, please get your facts straight.   Nagmumukha ka lang kasing troll dyan sa ginagawa mo. You can easily see our historical performance simply by visiting our website.  Baka inggit ka lang kasi sa amin na mga Sun Life advisors?  Baka lalo ka lang mamatay sa inggit dyan kapag dinisclosed namin sa iyo personal investments namin sa Sunlife.


    haha..yung Sunlife meron pera yan, pero ikaw WALA! kaya ka nga ahente lang di ba?? and please, dont call yourself an "advisor", you are an insurance agent...

    nalulugi na ang Sunlife kaya nga tie-up na sila sa Grepalife eh...Iwasan nyo ang Sunlife kasi matutulog lang ang pera nyo...
    « Last Edit: Oct 20, 2012, 11:08 AM by Rothschild »
    Give me control of a nation's money and I care not who makes the laws.

    Offline kithe

    • PMT Jedi
    • *
    • Thanks Received: 0
    • Gender: Female
    • Sun Life Advisor
    • Awards Member of the Month Investments Idol Chikador / Chikadora
      • Awards
    Re: Sun Life Flexilink VUL
    « Reply #299 on: Oct 20, 2012, 12:56 PM »
  • Publish
  • @rothschild, you should read this..

    Sun Life Grepa Financial, Inc. (SLGFI) is a joint venture company borne out of a partnership between the Yuchengco Group of Companies (YGC) and Sun Life Financial – Philippines. The joint venture agreement involves Sun Life’s acquisition of 49% of Grepalife, the flagship life insurance firm of the YGC. Grepalife was established in 1954, and has evolved to be among the top 10 life insurers in the country. Sun Life Financial on the other hand, is a leading life insurance company in the Philippines that has been operating in the country for over 117 years.

    As a union of two strong brands, Sun Life Grepa Financial, Inc. aims to leverage the strengths of both Sun Life Financial and Grepalife, and to continue its mission to be a leading provider of protection and wealth management products. Sun Life Grepa Financial operates as a separate entity from Sun Life Financial - Philippines.

    Sun Life’s acquisition also allows SLGFI to enter into an exclusive cooperation agreement with Rizal Commercial Banking Corporation (RCBC), enabling it to gain access to the bank’s extensive sales network of over 350 branches and over 2.5 million customers nationwide.

    SLGFI currently distributes its products through bancassurance, a tied agency force, as well as dedicated group consultants and work-site marketing team. The company continues to invest and grow its multiple business lines and distribution channels and aims to be among the top tier insurers in the Philippines.

    In achieving this business objective, SLGFI has identified four key strategies: offering innovative products and competitive value proposition to its clients; growing the distribution and enhancing its reach; improving product delivery capabilities; and establishing operational efficiency.

    http://ygc.com/businesses.php?id=4
    GOD LOVES YOU
    For God so loved the world that he gave his one and only Son, that whoever believes in him shall not perish but have eternal life.

    PMT Forum

    Re: Sun Life Flexilink VUL
    « Reply #299 on: Oct 20, 2012, 12:56 PM »
    * * * * * sponsored links * * * * *

     

    Related Topics

      Subject / Started by Replies Last post
    25 Replies
    3726 Views
    Last post Mar 21, 2015, 01:16 AM
    by brians
    100 Replies
    43160 Views
    Last post Oct 04, 2013, 04:51 PM
    by mjtfernandez
    1 Replies
    3939 Views
    Last post Aug 01, 2011, 09:49 AM
    by palailai
    7 Replies
    1911 Views
    Last post Oct 09, 2013, 11:04 PM
    by mxherr5


    * Recent Topics

    Forum Shortcuts!
     
     
    Welcome, Guest. Please login or register.
    Did you miss your activation email?

    * Must-Read Topics!

    * Active Posters Today

    dragonknight
    2 Posts
    ultimate
    1 Posts
    lowije_dapogs
    1 Posts
    nepenthe
    1 Posts
    wilch23
    1 Posts
    Dong_Nguyen
    1 Posts
    kAMi
    1 Posts
    schema
    1 Posts
    Lady
    1 Posts

    * Vote in this Poll!

    • Who would you vote for as President in 2016?
    • Dot Kris Aquino
    • 9 (6%)
    • Dot Jejomar Binay
    • 7 (5%)
    • Dot Alan Peter Cayetano
    • 7 (5%)
    • Dot Chiz Escudero
    • 6 (4%)
    • Dot Ping Lacson
    • 6 (4%)
    • Dot Bongbong Marcos
    • 10 (7%)
    • Dot Grace Poe
    • 17 (12%)
    • Dot Bong Revilla
    • 0 (0%)
    • Dot Mar Roxas
    • 8 (5%)
    • Dot Miriam Santiago
    • 48 (35%)
    • Dot Others
    • 16 (11%)
    • Total Members Voted: 134
    • View Topic

    * PinoyMoneyTalk.com

    * SPAM-free PMT!

    Help clean up the PMT Forum by reporting spam posts, troll messages, PM solicitation, or any other problem posts or members! Click the "Report to moderator" link at the bottom of every post.
    BloQcs design by Bloc
    SMF 2.0.10 | SMF © 2015, Simple Machines
    SMFAds for Free Forums
    SimplePortal 2.3.5 © 2008-2012, SimplePortal