Welcome to MoneyTalk.PH

MoneyTalk.PH

My name is Raymund Camat and I am the blogger of MoneyTalkPH.com. My mission is to spread financial education to Filipinos worldwide to achieve the ultimate goal of Financial Freedom. If this is your first time visiting my blog, I recommend you explore all the articles I wrote here.

I am affiliated with Sun Life of Canada, the oldest life insurance company in the Philippines and currently the number 1 life insurance company in the Philippines. Our company has a wide range of life insurance and investment products including the following:

  • Sun Maxilink Prime – a life insurance plan with investment component that could be used to finance future needs like education and retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, and hospital income benefit. This plan is payable for at least 10 years.
  • Sun Flexilink – a life insurance plan with investment that could be used for retirement. With the option to include accidental death benefit, disablement benefit, dismemberment benefit, critical illness benefit, female critical illness benefit and hospital income benefit.
  • Sun Maxilink Bright – a life insurance plan with investment that could be used to finance future expenses in education or retirement. This plan is payable in 5 years with the option to add accidental death and total disability benefit.
  • Sun Maxilink Prime for College – a life insurance plan with investment that could be used to pay future expenses in education or retirement. This plan is payable in 10 years with the option to add accidental death, dismemberment, and disablement benefits.
  • Sun Maxilink One – a wise alternative for mutual fund, UITF and direct stock investing. One time big time investment that provides better return than traditional bank products
  • Sun Life Term Insurance Plans – affordable pure life insurance plans for Filipinos with limited budget but want to get life insurance policy to protect the future of their families
  • Sun Life Assure – a term life insurance plan that provides lump sum amount upon diagnosis of any of the 36 illnesses covered including cancer, organ transplant, paralysis, blindness and others.
  • Sun Fit and Well – a whole life insurance plan that covers up to 100 minor and major critical illnesses with cash benefits, dividends,  paid up bonuses, hospitalization income, home recovery benefits and more.
  • Sun Start Up – affordable life insurance that provides lump sum amount to your family when you die and return 50% of your total paid premium after 10 years.

Mutual Fund Investing Consultant

Make your money work harder for you! Don’t just save your money but also invest it so that it will grow over time. Invest on our award-winning mutual funds: the Sun Life Prosperity Funds. Learn how to open an account here.

In order to expand my services to the Filipino public, I made myself affiliated with BPI/MS Insurance Corp. to offer non-life insurance products. BPI/MS Insurance Corp is one of the largest and most trusted non-life insurance companies in the country today. I do believe that getting insured and investing our money is as important as getting insurance for our properties like our homes and cars.  I offer fire insurance, motor car insurance and travel insurance to the public. I also offer liability insurance coverage as well as surety bonds.

Join My Sun Life Team

To help more Filipinos achieve life time financial security, I am inviting more financial advocates to join my team by becoming a licensed financial advisor to the largest and first life insurance company in the Philippines: Sun Life of Canada (Philippines) Inc. Currently, my team is composed of 20+ dynamic and energetic professionals from different backgrounds and I want you to be part of my Fierce Unit, one of the fastest growing units of Sun Life. Read more about this opportunity here.

Fire Insurance Services

Get fire insurance for your home, condominium, apartment, building, warehouse, plant and other properties. With optional coverage for flood, earthquake, malicious damage, theft, riot, etc. Get a quotation today, click here.

Travel Insurance Services

I also help people get their travel care insurance for Schengen and Non-Schengen countries. Schengen travel insurance is required in getting a visa to travel in the European Union member countries. Travel insurance gives you peace of mind when you travel anywhere in the world. Get your travel insurance now, click here.

Motor Car Insurance Services

Your car is one of your major purchases in your life so it is very important that you get it insured for theft, damages, and acts of nature/God. Avail our car insurance services now, click here.

Thank you again for visiting my website. Mabuhay ang Pilipino!

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Critical Illness Benefit Claim: Life Changing Realisation

Health Insurance

I HATE MY JOB.
Capslock para intense.

Sa mga hindi nakakilala sa akin, akoy isang financial advisor. Pano ba ako nagsimula dito sa trabaho ko.

It was 2014 when someone on instagram, a stranger, sent a message and asked me if familiar ba daw ako kay Sunlife. Sabi ko YES and she set an appointment kaya ngmeet kami sa Makati. Kasama nya yung manager nya nun time na yun and yes kumuha ako ng insurance dahil kay papa P. Sobra fan tlga ako ni Piolo Pascual, sya yung dahilan bakit ako insured at bakit ako nasa Sunlife.

Two years later, in January 2017 my husband got diagnosed with Chronic Kidney disease. Kailangn na nya agad agad I dialysis kasi both his kidneys puti na at hindi na tlga gumagana and need nya din ng kidney transplant. Naikwento ko yung nangyari samin sa advisor ko at pinaalala nya na mayron daw ako Critical Illness Benefit sa policy ng husband ko. Sabi ko pa,ano yun? Hindi ko na talaga maalala mga benefits ko sa insurance. Basta bayad lang kami ng bayad ganyan. Pinagsubmit nya ako ng medical abstract at mga lab results kasi ipapasa daw namin para makakuha ng claim for the Critical Illness Benefit. 10days later around 9pm, boooom, I received a viber mesage from my advisor yung copy ng cheke namin dalawa for hospital income benefit at sa critical illness. Hindi ko talaga sya iniiexpect that day. Sobra saya namin dalawa mag asawa, nasa bahay na kami noon kakauwi nya lang after ma kidney transplant.

Yun ang maganda sa kwento ko, pero ano yung narealize ko during that lowest moment of my life? I remember from January to March nasa hospital kami lagi, naconfine din asawa ko ng matagal. Marami tawag at text ako araw araw na natatanggap. Puros sana gumaling na asawa mo puros ganun. Alam mo maniwala kayo sa hindi, darating yung point na mag eexpect ka na may mag aabot sayo ng pinansyal. Pero kakaunti. Nakakahiya man sabihin pero nanlilimos na ako sa mga kaibigan ng asawa ko para sa pandagdag sa mga bayarin. Wala ka tlga aasahan kundi ang sarili mo lang. Maswerte kami kasi tumulong ang magulang ng husband ko kasi mayron sila kaya.

So paano ako naging advisor? Bigla ko lang naisip na papaano nalang yung iba pamilya na nakakaranas ng matinding dagok sa buhay. Papaano kung hindi sapat ang naitabi nila pera, paano nalang kung walang wala tlga sila. Ano yun intayin nalang nila mamatay sila? Yan yung mga tanong na naglalaro sa utak ko. Gusto ko talaga tumulong sa mga tao, lalo na sa mga kaibigan at malalapit sa akin buhay. Kahit sino ka pa. Bakit? Kasi naranasan ko ka mawalan ng pera, narananas ko na din manghingi, naranasan ko madisappoint at mabwisit sa sarili ko kasi iniisip ko mayron tao mag sesave sa akin in case of emergency pero wala pala. Maswerte ka kung meron.

Ngayon advisor na ako.

I hate it sa mga panahon na mapapaisip ka kung ginawa mo ba ng tama ang trabaho mo.

Yung mga panahon na need mo kausapin mga kliyente mo kasi lapsed na policy nila. Need mo ipaalala sa kanila bakit sila kumuha in the first place. 
Yung mga panahon na wala ka magawa kasi wala na talaga.

Yung paulit ulit mo sasabihin na malapit na maglapsed ang policy nila. Tapos seen zone ka na nila. Hindi ka rereplyan sa text or hindi sasagutin mga tawag mo.

Yung mga kaibigan mo nilapitan at tatanungin ka pa kung magkano ang Cut mo.

Yung mga makikita mo ang tunay na pagkatao nila kasi sasabihin sayo, ayoko nyan insurance, wala n ko pakialam sa kanila kasi patay na ko nun eh. So bakit ko pa paghahandaan.

Yung mapapailing ka nalang at tatanungin mo sarili mo, bakit ko ba to kaibigan.

Most of my clients are strangers. Pailan ilan lang yung mga kaibigan ko. Totoo naman kasi tlaga sa ugali ng mga pinoy feeling nila peperahan ka ng mga ngooffer sayo, kahit pa ano business pa yan. Hoy! Kung milyon milyon binayad mo saka ka magisip ng ganyan.

Kami po mga financial advisor ay may mga lisensya kaya mayron po kami professional fee. Mga professional po kami lahat. Pero libre po kung kakausapin at may mga katanungan kayo. Wag naman yun feeling na binili nyo kami. Kami ay andito para makinig at mag advice ano ang dapat ibigay na swak sa needs nyo.

Sa mga nagsasabi wala ako budget, mahal yan etc. Alam mo kung hindi mo afford ngayon, wala kang karapatan mag kasakit, wla kang karapatan maaksidente or worst wala ka karapatan ma tegi. Inunahan mo agad sa utak mo na mahal , eh 1k mo meron na mapupuntahan dito. Wag ka maging pabigat sa pamilya mo. Yes, ikaw kausap ko.

Kung may lumapit at may kumausap sayo na financial advisor, kung wala ka naman ka ide idea kausapin mo naman. Malay mo sya pa sasagip sa future mo.

Sa mga kliyente ko, sobra akoy natutuwa at nagagalak kasi mahal nyo pamilya nyo. 
Sa mga gusto ng impormasyon, libre po magtanong. Kung may mga kaibigan or kilala kayo Financial advisor, mgtanong kayo. Knowledge is power.

Mahal ko po ang trabaho ko. ^^

Credits to Pebbles Barroa

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Critical Illness Benefit Claim: Life Changing Realisation

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