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Author Topic: Sun Life Flexilink VUL  (Read 77282 times)

Offline ikaela

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Re: Sun Life Flexilink VUL
« Reply #285 on: Jun 23, 2011, 08:21 PM »
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  • 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 »

    Offline mxherr5

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    Re: Sun Life Flexilink VUL
    « Reply #286 on: Jun 23, 2011, 09:44 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #287 on: Jun 23, 2011, 10:36 PM »
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  • ^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!

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    Re: Sun Life Flexilink VUL
    « Reply #287 on: Jun 23, 2011, 10:36 PM »


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    Offline mxherr5

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    Re: Sun Life Flexilink VUL
    « Reply #288 on: Jun 23, 2011, 11:14 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #289 on: Jun 28, 2011, 12:56 AM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #290 on: Jul 11, 2011, 10:19 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #291 on: Aug 30, 2011, 06:36 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #292 on: Sep 12, 2011, 02:09 PM »
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  • 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.


    The secret to achieving financial freedom is to build and create "MSI" or "Multiple Sources of Income!"

    Offline Leonzky

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    Re: Sun Life Flexilink VUL
    « Reply #293 on: Sep 15, 2011, 01:30 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #294 on: Sep 22, 2011, 04:12 PM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #295 on: Sep 23, 2011, 06:42 AM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #296 on: Oct 20, 2012, 11:05 AM »
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  • 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

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    Re: Sun Life Flexilink VUL
    « Reply #297 on: Oct 20, 2012, 12:56 PM »
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  • @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
    Financial Advisor I Sun Life Financial
    Authorized by the Insurance Commission to act as an Insurance Agent I cristina.ortiz@sunlife.com.ph

    Offline Rothschild

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    Re: Sun Life Flexilink VUL
    « Reply #298 on: Oct 20, 2012, 01:21 PM »
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  • @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
    http://ygc.com/businesses.php?id=4

    naku sinagot ko na yan dun sa  kabila" Sunlife Prosperity Fund".. i-paste ko na lang sagot ko below..

    "hehehe..naku meron na naman ako na-offend... ang dalawang business entity kapag nag merge or joint-venture ibig sabihin nun ay mag-share ng resources (e.g. office, personnel etc.) .. in short para makatipid.. ano ba ang dahilan kaya nagtitipid? di ba kasi nalulugi?? ask yourself, tinaasan ba ng Sunlife ang sweldo mo? sigurado hindi..nagbabawas pa nga ng tao eh..."
    Give me control of a nation's money and I care not who makes the laws.

    Offline freedomfighter

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    Re: Sun Life Flexilink VUL
    « Reply #299 on: Oct 26, 2012, 01:58 PM »
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  • 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...



    Hehehehe.....mamatay ka na lang sa inggit anak ni cockroach.    :harhar:




    Sun Life grabs top spot in life insurance market

    By Doris C. Dumlao
    Philippine Daily Inquirer
    1:19 am | Monday, March 26th, 2012


    MANILA, Philippines—The Philippine unit of global insurance giant Sun Life of Canada has bucked the global downturn to grab the top slot in the local insurance industry based on its premium collection in 2011.

    Based on its unaudited financial statement, Sun Life of Canada (Philippines) Inc. capped 2011 with gross premiums of P14 billion, or 31 percent higher than the previous year’s level, while net premiums surged by 31 percent to P13.9 billion.

    These numbers made Sun Life the No. 1 in the country’s life insurance market, the company reported.
    The life insurance business in the country has been dominated for many years by The Philippine American Life and General Insurance Co. (Philam).


    Sun Life Philippines president Riza Mantaring said: “2011 was a phenomenal year for Sun Life. Certainly, we realized significant gains in all our core lines. New products, aggressive branding campaigns, intensified agency recruitment, provincial expansion and heightened operational efficiency significantly helped in boosting sales.”

    “Our Philippine operation is one of the brightest spots within Sun Life Financial. One of our four key pillars in charting a course for the future of Sun Life is strengthening our competitive position in Asia, and Sun Life Philippines’ recent successes, particularly in attaining the number one position in the market and strengthening its agency force, will go a long way in helping us achieve this goal,” said Sun Life Financial global president Dean Connor.

    The insurer grew its total assets by 16 percent to P119 billion. Total benefits paid in 2011 amounted to P7.2 billion.

    “We are very happy with the record-breaking results of our Philippine operations. We have full confidence that Sun Life Philippines will continue to achieve further growth. Our Philippines operation has led the way in many initiatives that focused on financial literacy, branding, operational efficiency and technology. These initiatives have been recognized globally and continue to be best practices in the organization,” Sun Life Asia president Dikran Ohannesian said.

    The group also reported strong results for mutual funds arm Sun Life Asset Management Co.


    Source:   http://business.inquirer.net/50941/sun-life-grabs-top-spot-in-life-insurance-market
    The secret to achieving financial freedom is to build and create "MSI" or "Multiple Sources of Income!"

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    Re: Sun Life Flexilink VUL
    « Reply #299 on: Oct 26, 2012, 01:58 PM »
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