Tag Archives: sun life VUL

Five Things I’d Like to Tell My 25-Year Old Self

Five Things I’d Like to Tell My 25-Year Old Self

 

(This week’s article is from a trusted mentor, Sir Mon Lao. Enjoy and feel free to share! – Lianne) 

 

I had watched the movie Timecop several times. Although I know the story, I loved the idea of going back in time not to make money like the corrupt senator, but to undo the mistakes I have done in the past.

In one scenario, the corrupt senator said, “Never interrupt me when I am talking to my (younger) self”. He was trying to change the future by telling his younger self to change his erratic decision.

Now, if only I had the chance to talk to my 25-year old self, here are five things I want to say:

 

Learn via seminars. I was a person who hated seminars before. Seminars bored me to death. Seminars, whether free or paid, are a great way to increase your knowledge. If you are invited to an MLM seminar, give time to it even if you do not join. The point is you learn more sales techniques or more real-life skills than you would have from school.

 
Get insurance. Even single young people need insurance.

 

READ here: 3 Things You Didn’t Know Life Insurance Can Do To Save You Money (And Your Family’s Lives!)

 

Insurance nowadays is not only about death benefit, but also about living benefit. A lot of critical illnesses strike the younger generation because of poor lifestyle, increased stress and even overfatigue.  Once critical illness strikes, one’s life savings may not be enough to cover the expenses for treatment. Insurance will protect us from such risks if ever they occur.


Invest in mutual funds while you are young.  Ever since I was a child, I am already a natural saver.

 

Little did I know that as I save, I am paying myself. Every peso I earn, I put it in my piggy bank and when full, I transfer it to my bank account.

 

Whenever my savings account earns interest, I am happy because that interest is a passive income. The more I save, the more I earn.

 

However, in my early twenties, only insurance agents approached me to offer insurance. There were no other instruments offered to me!

 

If I were to advise myself, I would encourage myself to make my money grow via mutual funds. Had I invested that time, my money would have grown to 38 times as of today.

 

READ: 5 Tips to Consider Before You Make Investing Decisions

 

Get married early. I married at a late age of 32 and had my first-born at a late age of 37. Every delay in deciding to get married results to higher cost of baby items such as milk, higher cost of education fee which escalates yearly. I had a friend who married at age 24 and now he has finished his responsibilities. Getting married early is just similar to investing early. Just make sure you want to tie the knot with your special someone.


Listen to your parents. There were times I was stubborn to my parents especially when I think I am right. But I was always proven wrong. As my parents will often tell me, “You are just starting your journey, and we are already on our way back. So we already know the result that awaits you”.

 

No matter how much we do not understand our parents, the fact is our parents loves and cares for us just like God does.

 

How about you? What do you want to tell your younger self? If you are 25 now, it is time to face the mirror and talk to yourself.

 

 

About Lianne Martha Maiquez Laroya

Hi! Thank you for dropping by and visiting YoungPinoyMillionaire.com. I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at liannemarthamlaroya@gmail.com or email me at liannemartha.m.laroya@sunlife.com.ph My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via liannemartha.m.laroya@sunlife.com.ph or text/call her via 0906-243-5059 via mobile/Viber.

What is Sun Maxilink Bright? Life Insurance and Education Fund

sun maxilink bright

Sun Life’s Sun Maxilink Bright is your best bet to start and save up for your children’s education fund. 

Let me ask you this – Do you have kids?

If you do, then follow up questions is, do you want your kids to have a great education so that they can be prepared to tackle their own future?

YES: You need an education fund.

But that’s not all you need! You need life insurance, too, so that if you pass away, you can still financially provide for your family child’s college.

About Lianne Martha Maiquez Laroya

Hi! Thank you for dropping by and visiting YoungPinoyMillionaire.com. I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at liannemarthamlaroya@gmail.com or email me at liannemartha.m.laroya@sunlife.com.ph My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via liannemartha.m.laroya@sunlife.com.ph or text/call her via 0906-243-5059 via mobile/Viber.

Sun Flexilink1 and Sun Maxilink One: Better Than Your Bank’s Time Deposit

sun flexilink1

Sun Flexilink1 has historically given better returns than your bank’s time deposit account. 

The same goes with Sun Maxilink One. 

Do you have your own bank’s time deposit right now? Yes? Okay, then.

Let me guess the rates that you’re enjoying - not more than 3% per year, right? 

sun flexilink1

Did you know that on average, our inflation rate is 4%?

This simply means that the prices of goods and services increase by 4% each year.

But your time deposit only gives you <2% a year to “increase” your money’s value.

You don’t need to be a genius in Math to realize that putting your money in a time deposit account actually doesn’t earn you any income. Whichever way you look at it, lugi ka pa. 

If you have money in the bank’s time deposit account, and you won’t even touch it for let’s say, two years or so, why don’t you transfer it to a high-earning investment such as Sun Flexilink1 instead?

Your money in a time deposit account can’t even beat the inflation rate of the country…

About Lianne Martha Maiquez Laroya

Hi! Thank you for dropping by and visiting YoungPinoyMillionaire.com. I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at liannemarthamlaroya@gmail.com or email me at liannemartha.m.laroya@sunlife.com.ph My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via liannemartha.m.laroya@sunlife.com.ph or text/call her via 0906-243-5059 via mobile/Viber.

What is Sun Maxilink Prime? Life Insurance with Investment Plan

sun maxilink prime

Heard of Sun Life’s Sun Maxilink Prime before? 

Sun Maxilink Prime is Sun Life’s investment-linked life insurance plan which is the popular choice among Filipino OFWs, professionals and entrepreneurs. Personally, I am also a proud owner of a Sun Maxilink Prime policy which I availed of when I was still in my early 20s, simply because I strongly believe in the benefits that it can give you and your loved ones. 

Are you the breadwinner of your family right now?

YES: If you’re the breadwinner, you need sufficient amount of life insurance coverage. So when you pass away, you can still financially provide for your family because your family will receive a lump sum cash benefit. 

About Lianne Martha Maiquez Laroya

Hi! Thank you for dropping by and visiting YoungPinoyMillionaire.com. I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at liannemarthamlaroya@gmail.com or email me at liannemartha.m.laroya@sunlife.com.ph My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via liannemartha.m.laroya@sunlife.com.ph or text/call her via 0906-243-5059 via mobile/Viber.

What is Sun Life’s Sun Flexilink Assist? It’s Health & Wealth Solution from Sun Life

Sun Life - Sun FlexiLink Assist

Sun Flexilink Assist – Sun Life’s newest VUL 

Did you know that out of 100 Filipinos who get hospitalized:

- 95% of them would sacrifice their savings, and,

- more than half of them would borrow from their relatives so they can pay their medical debts?

About Lianne Martha Maiquez Laroya

Hi! Thank you for dropping by and visiting YoungPinoyMillionaire.com. I am Lianne Laroya, Licensed Financial Advisor of Sun Life Financial. I'm authorized by the Insurance Commission to act as Insurance Agent and by the Securities and Exchange Commission to act as Investment Solicitor. You can call me at 0906 243 5059 (Phone/Viber) or email me at liannemarthamlaroya@gmail.com or email me at liannemartha.m.laroya@sunlife.com.ph My office is located at 12th Floor, Frabelle Building, 111 Rada St., Makati City. My inspiring network of clients include OFWs, doctors, entrepreneurs and young Pinoy professionals but I serve all members of the society. Most of my clients are based in Metro Manila but I also have clients from Laguna, Pampanga, Bulacan, Pangasinan and Cavite. Want to get FREE Sun Life proposal for yourself? Just click this and submit >>> If you want to open your own investment+income protection+savings account, life insurance, investment account, or you just want to ask something, you can contact Lianne via liannemartha.m.laroya@sunlife.com.ph or text/call her via 0906-243-5059 via mobile/Viber.