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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Four Million Check Delivered

Insurance

Being a financial advisor for six years, I haven’t delivered a death claim yet. All my clients since I started are all alive, thanks to God they are strong and healthy. But I always feel inspired when I read heartwarming stories of death claim checks delivered to bereaved families by our colleagues in the industry. These stories make us realised the importance of our role to society. Below is a story from one of our colleagues that will truly inspire you.

About last night.

Last night as a Sun Life representative and advisor I delivered a check amounting to more than 4 million pesos to the family of my client who recently passed away due to heart attack.

The policy which was kept from many members of his family was a big surprise to the surviving loved ones of my client for it not only serves as a final gift, the last act of love but also a guarantee that they can continue their studies and their business.

In her choking voice and between sobs, the mother has eloquently summarized the sentiment of the family “ walang katumbas na halaga ang buhay ng anak ko”. And she was right.
Loved. Respected. Missed. How can one replace him with more than 4 million pesos?

But the amount is not meant to replace him and his emotional value to his family, it is meant to replace the lost income because of his sudden death. Meant to continue the lives of his loved ones long after he is gone. His assurance to his family that their dreams and goals did not die and were not buried with him.

No one in his family thought that my client would be gone too soon. No chance to say good bye, to express the love and gratitude. No opportunity to hug one last time. It was the nightmare they did not see coming.

Gone too soon. Heart attack, like a thief in the night stole their beloved in an unexpected place and time.

BUT he left a lasting legacy. An assurance that their lives will go on. That their dreams have the chance to be a reality. That his presence is felt long after he is gone.

It was an emotional night, a cathartic moment for the loved ones whose pain and longing for their beloved were felt and expressed.. But it was also a celebration of life, of love and of hope where as a friend of the family I was privileged to be part.

It was also the night of Sun Life’s promise kept and delivered. It was the night to remember and tell the family that few years ago, my client had the foresight to plan ahead and to be prepared for the unexpected. The chance to tell them the joy and expectation when one by one he wrote down the names of his loved ones as the beneficiaries to the plans . As his advisor, it was then an honor and privelege to be his witness and now to serve his surviving loved ones.

Last night was not lonely and dark. It was the night when the Sun not the moon was up.
And it was BRIGHT!

MC Maricon Galac – Palm NBO
Certified Sun Life advisor for Life.

* This is posted with the permission from the family of my client. Other details and information were witheld for their privacy and protection.

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Four Million Check Delivered

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Sun Life paid P3.6 billion claims, Maturities in 2017

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