Welcome to MoneyTalk.PH

My name is Raymund Camat and I am the blogger of MoneyTalkPH.com. My mission is to spread financial literacy 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 a certified wealth and estate planner. 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. I am licensed life insurance advisor and mutual fund representative for the company. 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.

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.

Non-Life Insurance Services

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.

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!

Sun Life VUL Plan: Sun Maxilink 100

I am very happy that Sun Life has just launched Sun Maxilink 100. The first variable universal life (VUL) plan of Sun Life with coverage up to age 100. Before the launch of this product, all VUL plans of Sun Life has coverage of up to age 88 only. For a long time, many advisors […] Read more

Enchong Dee is the New Sun Life Ambassador

Matinee idol and former swimming athlete Enchong Dee is Sun Life’s new celebrity ambassador or partner. Sun Life just released a short video clip showing his amazing partnership with his swimming coach. Enchong shared important life lessons he learned from his coach and from personal experiences in show business […] Read more

Make Your Child A Millionaire

🛎Make your child a Millionaire!! Aim for a Brighter Life ahead for your child! 💰TIME IS MONEY! ⏰ 📣Do not lose the opportunity! Start securing & investing EARLY for your financial goals!  ✅Get a Sunlife Insurance & Investment plan TODAY! (Read more here) ❣️How to start? Here are the requirements:A. Set up an appointment for signing up […] Read more

Just A Piece of Realisation

Just a piece of realization. Client: Maganda naman ang Life Insurance, bakit kunti lang naniniwala at meron nyan? Mag-present ka nga sa friends and officemates ko. Me: Kasi Insurance is not tangible. It is just a piece of paper. Hindi mo sya pwedeng ipakita basta basta. Hindi sya pwedeng ipagmalaki tulad ng: “May bagong bahay […] Read more

Ganito pala ang story ni Ms. Charo

👇Ganito pala ang story ni Ms. Charo 👇 “Kapag ang padre de pamilya ang namatay, ang tanong ‘Naku papaano na kami ngayon?’ And that was the same question my mother asked when my father passed away unexpectedly at the age of 49. He left 6 of us children under the sole care of my mother. Thank […] Read more

Top Reasons Why Sun Life is the Best Life Insurance Company in the Philippines

In my early 20s, one of the first questions I asked when I was looking for a life insurance plan is what company to buy from. One financial advisor in the Philippines wrote on his blog that I should get my life insurance plan from among the top 5 life insurance companies in the Philippines. […] Read more

Critical Illness Benefit Claim: Life Changing Realisation

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 […] Read more

Inspiring #Ipon Story

  This post was originally posted at Pesos and Sense Facebook Page: https://www.facebook.com/pesosenseph/photos/a.239539652897459/1106642922853790/?type=3&theater I wish you will be inspired to save up! #PesoSenseIponChallenge Hello! Please keep my identity private! Just wanna share my #iponstory. Today, I have reached my financial goal 4 months earlier than my target date. I want to be a Millionaire by the age […] Read more

Four Million Check Delivered

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. […] Read more

What Kind of Work Do You Do, Mr./ Ms. Life Underwriter?

You are not a professional man like a doctor, and yet you probably have kept more souls and bodies together than many doctor; You are no great musician. No greater symphony and yours holds thousands with its charms. But you have made old age, a symphony for thousands of men and women; You never won […] Read more