# Finance in a Minute

> Providing Financial Literacy to Filipinos for a Better Tomorrow

> Contact: webmaster@onlinephilippines.com.ph

### Posts

#### Adding to Cart in Preparation for the 7.7. Shopee or Lazada Sale?
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Online shopping has become a trend nowadays, and most Filipinos have made this a part of their daily routine. The ease of browsing through your phone, ordering the item, the anticipation and expectation builds up as you wait for the item to be delivered. “Simple joy?!?” Simple expensive joys.... The question is, are you able to track and monitor how much you really spend on online shopping?
Here are 3 money mistakes that a lot of those who are in their 20’s make:
A 25 year old client of mine, having recently graduated, experiencing the limitations in resources imposed by his parents because of their family’s financial status experienced being overwhelmed by his income. He would spend his monthly pay on “WANTS.?” Worst, he would even be left with a loan after spending his entire salary.
There is this lack of awareness in the difference between wants and needs, and the pitfall of overspending on wants. This 25 year old client of mine would spend hours browsing through online shopping apps, adding to cart anticipating the monthly sale, when asked why he would buy those stuff, he would reply “well, i earned it.”  What are wants by the way? Here are 3 conscience questions I ask ask myself before buying something:  a. Do I really need this? or do I still have something that I can use? b. Will buying this put money in my pocket? (For gadgets) c. Are those I am using really worn out and needs replacing?
Lack of training and awareness in Money management, Once you receive your paycheck, how do you allocate your funds? You can start with the 50-30-20 rule in budgeting.

Money management roots from discipline, delayed gratification. And the behavior of parents is very much critical in this form of discipline.
Wants and Needs, they have to be defined, and since this is not being taught in school, it has to be taught at home. Start by teaching your kids, delayed gratification. Ask them, questions such as, if they already have a pair of shoes and it is very much in good condition, why the need to buy a new pair?
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#### Are Life Insurance Scams?
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I was introduced to the concept of life insurance  in 1996, a year after I graduated.  I bought my first policy with a Php 200,000 Coverage, and premiums of Php 3,200 yearly, which is what I could afford at that time. The agent who sold to me then, told me it can be a good avenue for me to start saving up for milestones and for my retirement. That time, the only type of insurance in the market were whole life policies, those that you pay continuously while you are alive, but it got me started. 
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Given that I am not one  of those “BLESSED”  students who had firm financial backup and parents for “emergency funds.” I had to manage my finances taking into account always that “uncertainties” (sickness, accident, death) could always happen in this journey called LIFE. Risk management was something that I believed in and held onto. I bought memorial plans, cremation plans, invested in money market through banks, and  life insurance policies for me and my mom. 
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Then, my career as a financial advisor began when I was recruited by the same agent who sold me my first policy. It was challenging for a fresh grad, given that in 1996, life insurance was not as popular. 
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Let’s now answer the question, is life insurance a scam?
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Point blank, I would like to tell you that NO, it is not a scam. It is a 100% legitimate vehicle to help you protect everything that you love and care for. It helps in the creation and augmentation of funds.  The money which we do not hold, we can create for needs like, treatment of a critical illness, funds for the education of our children, amortizing for our retirement. It is the best financial solution in the market too, it is the only asset that becomes liquid at the time of death, all other assets are frozen and estate taxable. 
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While the life insurance concept is not a scam, you have to screen the legitimacy of the company and quickest and surest way to do this is through the Insurance Commission website. After you have validated the company, sit down with an agent who will help you sort out your current life stage and your need. Note that, the agent also has to discuss with you the limitations of the policies that you are pulling out. A trustworthy agent does not only tell you of the benefits that come with a plan, but also the fine print and possible downsides of each package. Limitations will also help you validate that the policy is not a scam.
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Not all products are created equally and once you have set an expectation that while some life insurance packages include an investment package, it should not be solely used for investment purposes since the market conditions can change at any time. The main purpose of a life insurance is there to replace your income for your family in the event of an accident, sickness or inevitably, death.
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Interested more in learning about income protection? Feel free to claim your FREE CONSULT here. 
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#### Are you Depriving Your Kids if You Don’t Succumb To Their Whims?
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Shopping has been a “coping mechanism”. This has become a tagline for my eldest daughter, particularly during this pandemic. She would always allot a portion of her allowance and income for the monthly shopee sales.... 6.6; 7.7. The question would always be, how do you teach your kid’s how to manage their money?
Here are 3 tips for teaching kids about money management:
1. Be a role model, modeling entails, sharing with them, what you do with your income, what you prioritize, define necessary and unnecessary? This lockdown was an eye opener, and a blessing, I would say. I am able to interact and share insights with my daughter. I shared with her that my bonus was recently allotted to buy life insurance. With wide eyes, she told me, what?!?
Whoever allots bonuses for insurance? Why not go shopping with it? Here I explained, “ I have your best interest in mind, I seek to ensure that should something happen to me, I will not be burden to you,” and she understood.
For my little girls, I also train them by asking them simple questions like, if you already have a pair of shoes and it is still in good condition, do we need to buy a new one? And they would reply with, “no Mommy, I already have one.”
2. Don’t always give them money especially for unnecessary things , you will have your chance to explain to them the importance of reflecting before buying anything. This will also give them a clearer picture as to the value of what is being spent and help them be creative at trying to earn their own money or recycling and creating new items from the old, if they really fancy changing something.
Before buying anything, I would ask myself the following questions,
a. My necessary question - Is this essential? Am I going to die if I do not buy this?
b. My happiness question - If I were to buy this item, will it make me happy for longer than a few days? Otherwise, that would count as a non-essential.
3. Open a bank account or an investment account for them, deposit the monetary gifts that is given them. This is a way of showing them that you respect that this. Money is for them and you are ensuring that you will grow this money for their future. Show them how much they’ve already set aside and encourage them to keep on adding to it from their allowance and from their salaries when they start to work.
Money management is discipline, discipline starts at home. The skills you teach them now will enable them to be successful in the future. Agree?
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#### Best HMO for Seniors Plan in the Philippines
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The wellbeing of our parents should always come first in this day and age. To ensure that they have the resources necessary to pay for any unexpected medical demands, it is critical to obtain health insurance for them as soon as possible. With the best HMO for Seniors in the Philippines, that enables them to pick any physician or hospital they desire, Pacific Cross is the ideal health insurance plan for our aging parents.
The Pacific Cross package includes free annual blood tests, chest x-rays, urinalyses, fecalyses, and physical exams in addition to the freedom to select any physician or facility. Regularly performing these preventive exams will help identify any potential health problems before they worsen, and Pacific Cross can save you money while doing so.
Additionally, Pacific Cross provides a simple claims procedure. You can relax knowing that you always have 500,000 pesos in claimable cash available in case your parents require hospitalization thanks to Pacific Cross. Simply submit the required paperwork, and the reimbursement procedure will get started.
You may rest easy knowing that your parents are always taken care of and have the essential health insurance to cover any medical needs. With Pacific Cross, you may rest easy knowing that your elderly parents will always get care, wherever they may be.
At the end of the day, we should put our parents' health first. You may be sure that they will be taken care of by Pacific Cross and that they have the required health insurance to meet any unexpected medical needs. You can rest easy knowing that you always have 500,000 pesos in claimable funds on hand for when your parents need to be hospitalized for as little as 49 pesos a day.
To get a quote and free consultation, simply fill out this form to get in touch!
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#### Borrowing from 5-6? Here’s Why We Don’t Recommend It And Some Alternatives
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Why do we loan from money lenders? When faced with financial challenges, why does this seemed to be the first option that comes to mind?
In money management, awareness of what are the available options in the market is always the most important. And the options will only be widest and broadest when we build credibility and develop a habit of setting aside a portion of our income. Financial institutions like, banks, credit card companies, Life Insurance companies provide alternative vehicles to augmenting funds in times of uncertainties.
Always remember, starting early is always key.
I’d like to share with you the Pros and Cons of borrowing from 5-6 and the better alternatives to it.
5-6 Pros
1. It is easily accessible, that’s the reasons it is the first alternative that come to mind.

2. It is a no collateral, no document loan, which can be paid daily, weekly, monthly,

3. Collection arrangement made by the money lender or they will probably ask for your
payroll ATM.
5-6 Cons
Very high interest rates, minimum 20% and can go as high as 60% for a Php 500 peso loan, the interest is Php 100.00. So high that the interest rates are even higher than the loan amount.
Here are the better alternatives:
1.Credit Cards offer the following options;
a. 0% interest conversion of 3 to 6 months
b. Conversion to 12, 18 or 24 months with a minimal processing fee of 250.00 and monthly add on interest rates which can range from .70% to 1.5%.
c. in-store purchases for appliances, gadgets and department store items offers both buy now pay later, and instalment of 3 months to 6 months, 0% interest.
d. Balance transfer from Bank A credit card to bank B credit card at a reasonable add on rate of about .49 to 2% per month.
2. Did you know that your traditional life insurance coverage also offers loan on the cash value option with a very simple requirement of filling out the cash advance application form and presenting your valid ID. Interest are pro-rated at a yearly annual interest of only 10%.
3. You may also check out the nearest bank or Cooperatives for personal loan options. Hope this article helps you better reflect on how you will manage unexpected expenses or collateral expenses with a more sensible way of spreading the cost across your preferred number of months or years of payment without you being eaten up by the interest posted against the loan amount. After all, your hard earned money has to be worth more.
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#### Does the New CMEPA Law Tax Your Savings? Here’s the Real Deal
Whenever a new financial law is passed, fear spreads fast. Many Filipinos are worried about the Capital Markets Efficiency Promotion Act (CMEPA, RA 12214) because they think the government will start taxing their entire savings. That’s not true. The law, which takes effect on July 1, 2025, only taxes the money you earn from your savings and investments—not the money you’ve worked hard to set aside.
Here’s an example. If you have ₱50,000 in the bank and it earns ₱1,000 in interest, the tax applies only to the ₱1,000. Your ₱50,000 stays untouched. That’s the heart of CMEPA—it’s not designed to take your money, but to standardize how earnings are taxed and to lower the cost of investing.
Before this law, the system was messy. Taxes on bank deposits weren’t consistent. Sometimes it was zero, sometimes 20 percent. With CMEPA, it’s now a flat 20 percent. That means if you earn ₱1,000 in bank interest, ₱200 goes to tax. For dividends, which are the profit shares companies pay to their investors, the rules also change. Before, rates varied and could go higher. Now, it’s always 10 percent. So if you receive ₱1,000 in dividends, only ₱100 goes to tax—you keep ₱900.
Selling shares also becomes easier to understand. In the past, capital gains from local and foreign shares were taxed differently, with foreign ones often higher. Now, both are taxed at a flat 15 percent. The biggest win, though, is for stock investors. Every time you sold stocks before, you paid 0.60 percent of the selling price as tax. CMEPA cuts that down to 0.10 percent. If you sell ₱10,000 worth of stock, you now pay ₱10 in tax instead of ₱60. That’s money back in your pocket.
Even stamp taxes are lighter. Issuing new shares or debt papers used to be taxed at 1 percent. It’s now 0.75 percent. And here’s an extra piece of good news—when you buy or sell mutual funds and UITFs, you no longer pay documentary stamp tax at all.
So why did the government do this? The main goal is to encourage Filipinos to save and invest more by making the system cheaper and fairer. More investing means more money flowing into businesses, more jobs, and a stronger economy.
But it’s not all good news. There are downsides too. The flat 20 percent tax on bank interest means even small savers will now see a chunk taken out. With bank interest rates already low, deposits will grow even slower. For people who prefer safety and don’t want to risk investing, this feels discouraging. The law is clearly tilted toward pushing Filipinos to invest, which isn’t risk-free.
Still, for millennials and Gen Z, CMEPA could be a turning point. You’ve been dealing with rising expenses, side hustles, and loans while trying to build wealth. Saving in the bank feels safe, but slow. Investing has always seemed expensive or intimidating. This law makes it cheaper and simpler to start. Your savings won’t disappear, but they also won’t grow much after tax. On the other hand, investing in stocks, mutual funds, or UITFs becomes more practical, even with small amounts.
CMEPA doesn’t take your savings. It changes how your money grows. The trade-off is clear—bank deposits stay safe but feel weaker, while investments now give you a fairer chance to make your money work harder. If you’ve been waiting for the right time to start investing, July 2025 might be the moment to finally take that step.

#### Finance In A Minute Awarded at Pacific Cross National Sales Conference
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Finance in a Minute recently celebrated a huge success at the Pacific Cross National Sales Conference, where they recognized their top agents and advisors for achieving their sales goals. Among the top 9 Overall Champions in the Independent Advisor Division, was the Founder of Finance in a Minute, Johanna Lonzon.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]
This esteemed award was bestowed upon Johanna Lonzon in recognition of her dedication to providing the highest quality insurance services to her clients. This award is a testament to her hard work and commitment to helping her clients navigate their insurance needs.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]
At Finance in a Minute, customers can be assured that they are in the best hands. With experienced agents and certified advisors like Mrs. Johanna Lonzon, customers can trust that their insurance needs are taken care of with the highest quality service. With their commitment to helping their customers, it is no wonder why Finance in a Minute is one of the best Pacific Cross Agents in the Philippines.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_single_image image="16475" img_size="full" qode_css_animation=""][/vc_column][/vc_row]

#### Finance In a Minute Founder Mrs. Johanna Wan Lonzon wins big at the 7th Annual Sequioa Excellence Awards Night
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Mrs. Johanna Wan Lonzon, the founder of Finance In a Minute, has certainly made important contributions to the finance industry and received recognition for her exceptional accomplishments. She has had a long-lasting effect on the sector as a proponent of financial literacy and safeguarding Filipino lives.
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Her impressive output development is one of her noteworthy accomplishments. She has accomplished an amazing 26% increase in production over the prior year. Her incredible accomplishment is a credit to her perseverance, effort, and dedication to greatness.
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She was ranked 6th in AC contribution within the Sequoia Branch.  This accomplishment is a testament to her remarkable sales abilities and capacity for producing excellent outcomes. Her accomplishment demonstrates her commitment to giving her clients financial solutions.
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To be recognized as a Million Dollar Round Table Member is a remarkable achievement. People who exhibit great professionalism, moral behavior, and first-rate customer service are awarded this esteemed title. Being a part of this exclusive club highlights Johanna's skill and dedication to maintaining the best standards in the business.
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Johanna also achieved the honor of becoming a Macaulay Member and a Vice President. This accomplishment demonstrates her capacity to guide and motivate people towards success while continually producing outstanding outcomes. Her membership in this select club demonstrates her exceptional leadership abilities and commitment to quality.
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Being the recipient of the Platinum Medallion for four consecutive quarters makes Johanna stand apart. This award acknowledges her dependable efforts and exceptional contributions to her field.  Johanna is a genuinely unique person in the finance field because of her unwavering devotion to professionalism and excellence.
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In addition, Johanna was in the top 9 in terms of insured lives from the previous year. This accomplishment demonstrates her sincere concern and commitment to protecting Filipinos' way of life. She has had a significant impact on people's futures and contributed to the development of a stable financial environment for the Filipino community by offering financial security to individuals and families.
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It is undeniable that Mrs. Johanna Wan Lonzon, the creator of Finance In a Minute, has accomplished a great deal in the finance sector. Her remarkable accomplishments in areas like commissions, production development, and membership in esteemed groups like the Million Dollar Round Table and Macaulay Member qualifying as VP, among others, shows her commitment to professionalism and excellence. Her incredible performance and dedication to secure Filipinos' lives through financial education have further distinguished her as a remarkable leader and advocate in her industry.
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#### Finance In a Minute Founder Qualifies for Sunlife Philippines' MDRT 2023 5 Years in a Row!
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We are proud to share that Johanna Wan-Lonzon, founder of Finance in a Minute, was awarded as a qualifying member of Sunlife Philippines' MDRT for 2023, a prestigious accomplishment in the industry, showing her commitment to client service.[/vc_column_text][vc_empty_space][vc_single_image image="16483" img_size="full" qode_css_animation=""][vc_empty_space][vc_column_text]
The 41st Annual Excellence Night is a testament to Sun Life's dedication in recognizing the best in their field. It is a proud moment for Finance in a Minute and its founder, Ms. Wan-Lonzon, for being recognized for the hard work and dedication she has put in to her work, celebrating her 5th consecutive year as a member of the prestigious association!
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Being a qualified member of the MDRT is a great accomplishment and is a testament to the hard work and dedication of the members. Qualifying members of the MDRT are accepted into a prestigious association of the world’s most successful life insurance and financial services professionals. It is a great honor to be a member of the MDRT and demonstrates a commitment to professional knowledge, ethical conduct, and outstanding client service.[/vc_column_text][vc_empty_space][vc_single_image image="16485" img_size="full" qode_css_animation=""][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_empty_space][vc_column_text]
Members of the MDRT are committed to providing the highest level of service to their clients and to the industry. The MDRT provides a platform for members to share their knowledge, experience and expertise with each other, and to stay up to date on the latest developments in the industry.[/vc_column_text][vc_empty_space][vc_single_image image="16493" img_size="full" qode_css_animation=""][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]
The MDRT also serves to promote ethical standards in the insurance and financial services industry, and to recognize professionals who demonstrate excellence in their field. Qualifying members of the MDRT are highly respected and sought-after for their expertise and knowledge.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]
We congratulate Johanna Wan-Lonzon for her accomplishment in qualifying for Sunlife Philippines' MDRT for 2023 and for her dedication to providing excellent client service. We look forward to hearing more from Ms. Wan-Lonzon and Finance in a Minute in the years to come. Book a FREE FINANCIAL CONSULTATION with Johanna today!
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#### Finance in a Minute Gets a GOLD LIMRA Award
 
For the 10th time in a row, financial adviser and wealth coach, Mrs. Johanna Wan Lonzon of Finance in a Minute managed to bag an IQA GOLD LIMRA Award for her outstanding efforts, professionalism, leadership and dedication to her clients, or her "partners-for-life".
 
For over 100 years, LIMRA has been the industry's trusted source for unbiased research and data. LIMRA established the IQA awards in 1960 to promote quality selling in the life insurance profession worldwide. Since then it has become one of the most prestigious awards in the industry — used by 80 companies in over 30 different countries. This annual award is designed to honor producers for excellent production and outstanding persistency of life insurance business.
 
For the year 20210, Johanna of Finance in a Minute won a Silver Award, while for 2021, she rightfully received a Gold Award, all the while celebrating her 25th year as a Sunlife Advisor, and her 10th Year Qualifying for the prestigious award. All smiles here as we celebrate her win because when she wins, our clients win. This inspires us to push further in promoting our mission of providing financial education to all Filipinos for a brighter tomorrow. Congratulations to Johanna and to the team behind Finance in a Minute for this wonderful achievement!

#### Finance In a Minute Recognized as Top 3rd Performer for Pacific Cross Philippines
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As an independent financial advisor, I'm proud to be recognized as a top performer by Pacific Cross. I'm committed to providing my clients with the best health insurance in the Philippines. Read on to learn more about my advocacy for Pacific Cross and the importance of health insurance.
I'm very humbled and grateful to be recognized as one of the top performers for the month of September. As an independent financial advisor, I believe that providing my clients with the best health insurance in the Philippines is crucial for their financial stability and well-being. And I'm happy to say that Pacific Cross has always been my top recommendation.
For years, I've been advocating for Pacific Cross to my clients because of the comprehensive coverage and reliable services they provide. With Pacific Cross, my clients can have peace of mind knowing that their health is well-protected, and they can focus on their recovery without worrying about financial burden.
As an independent advisor, it means a lot to have the support of a trusted and respected insurance provider like Pacific Cross. Your commitment to delivering excellence in the industry can be seen through the awards and accolades you've received over the years.
I'm proud to be a part of your network and to recommend Pacific Cross to my clients. With your innovative and dynamic approach to health insurance, I know that my clients are getting the best care possible.
As I continue to advocate for the best health insurance in the Philippines, I'm reminded of the importance of having reliable health coverage in the face of medical emergencies. The cost of healthcare in the Philippines can be quite steep, and it's crucial to have health insurance that can provide financial protection.
Therefore, I urge my clients and anyone reading this to prioritize their health and financial stability by investing in quality health insurance. And I'm confident that Pacific Cross can provide the best health insurance in the Philippines.
Once again, thank you Pacific Cross for recognizing me as a top performer. I'm honored to be part of your network and will continue to advocate for the best health insurance in the Philippines.[/vc_column_text][/vc_column][/vc_row]

#### Finding the Best HMO for Seniors in the Philippines
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As a senior citizen, finding the right healthcare plan is essential to maintaining your health and well-being. HMOs, or Health Maintenance Organizations, can provide comprehensive coverage for seniors, but choosing the right one can be overwhelming. This guide offers tips and tricks to help you navigate the process and find the best HMO for your needs.
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Before choosing an HMO, it’s important to understand the different types available. There are three main types of HMOs: staff model, group model, and network model. Staff model HMOs employ their own doctors and healthcare providers, while group model HMOs contract with a group of doctors and healthcare providers. Network model HMOs contract with a network of doctors and healthcare providers, but allow members to see providers outside of the network for an additional cost. Pacific Cross Insurance for Seniors is under the Network model as any doctor and provider is accepted for reimbursement as long as you have an official receipt. Understanding the differences between these types of HMOs can help you make an informed decision about which one is right for you.
[/vc_column_text][vc_empty_space height="20px"][vc_column_text]Check the Network of Doctors and Hospitals[/vc_column_text][vc_empty_space height="20px"][vc_column_text]
When choosing an HMO for senior citizens, it’s important to check the network of doctors and hospitals. Make sure that the HMO has a network of healthcare providers that are conveniently located and easily accessible. You should also check if the HMO has partnerships with hospitals and medical facilities that specialize in senior care. This can ensure that you receive the best possible care for your specific healthcare needs. Additionally, make sure that the HMO covers the medications and treatments that you need, and that there are no restrictions or limitations on the services you can receive.
[/vc_column_text][vc_empty_space height="20px"][vc_column_text]Look for Additional Benefits and Services[/vc_column_text][vc_empty_space height="20px"][vc_column_text]
When choosing an HMO for senior citizens, it’s important to look beyond just the basic healthcare coverage. Many HMOs offer additional benefits and services that can greatly benefit seniors. For example, some HMOs offer wellness programs, transportation services, and even home healthcare services. These additional benefits can help seniors stay healthy and independent for longer. Be sure to ask about any additional benefits and services that the HMO offers, and consider how they can benefit you or your loved one.
[/vc_column_text][vc_empty_space height="20px"][vc_column_text]Consider the Cost and Coverage[/vc_column_text][vc_empty_space height="20px"][vc_column_text]
When choosing an HMO for senior citizens, it’s important to consider both the cost and coverage. Look at the monthly premiums, deductibles, and co-pays to ensure that the plan is affordable and fits within your budget. Additionally, make sure that the plan covers the healthcare services and treatments that you or your loved one needs. Consider any pre-existing conditions or chronic illnesses that require ongoing care, and make sure that the plan covers those services. Don’t be afraid to ask questions and compare different HMOs to find the best fit for your needs.
[/vc_column_text][vc_empty_space height="20px"][vc_column_text]Read Reviews and Ask for Recommendations[/vc_column_text][vc_empty_space height="20px"][vc_column_text]One of the best ways to choose the right HMO for senior citizens is to read reviews and ask for recommendations from friends, family, and healthcare professionals. Look for reviews online from other seniors who have used the plan, and pay attention to any common complaints or issues. Ask your doctor or other healthcare providers for their recommendations, as they may have experience working with different HMOs and can provide valuable insight. Don’t be afraid to ask questions and do your research before making a decision.[/vc_column_text][vc_empty_space height="20px"][vc_column_text]To get a quote and free consultation, simply fill out this form to get in touch![/vc_column_text][vc_empty_space height="20px"][/vc_column][/vc_row]

#### HMO for Seniors in the Philippines
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Here are some things you might want to consider:
1. Getting health insurance for your parents is a sign of love. It shows that you are invested in their well-being and that you are willing to make sacrifices for them.
2. Protecting their savings is crucial for elderly loved ones who may not have much income or assets, but still need assistance with basic living costs.
3. Preparing for unexpected medical expenses is also important because it helps make sure your parents are taken care of in case something happens to them unexpectedly (like a heart attack!).[/vc_column_text][vc_empty_space][vc_column_text]
Luckily, there are still some ways you can help your parents get covered without breaking the bank! Here are some tips:
1) Look into short-term health insurance plans. These policies are designed specifically for individuals who need coverage quickly—like when they go on vacation or need to cover a family emergency. You can usually find these plans with lower monthly premiums than traditional plans and no deductible! Such is is the case for our Pacific Cross Health Plan for seniors. You may get in touch with us to inquire about this package.
2) Take advantage of employer-sponsored benefits. Many companies offer employee-only health care plans (EOHCPs), which provide comprehensive coverage at a low cost with minimal restrictions on benefits and cost sharing (no co-pays or co-insurance). You may ask your company's Human Resources department if your plan allows for you to add a beneficiary such as your parents, these typically costs less than paying individually for their plans.
3) Always SAVE UP and keep your emergency funds LIQUID. Make sure that when the time comes that you will need to dip into your emergency funds, these funds are easily withdrawable without any penalties. You want a savings account in a bank with the most ATMs available as well since you want your fund source to be accessible no matter where you are.
4) Finally, prevention is key! Make sure to encourage your parents to visit their doctors regularly, get lab tests and diagnostic procedures done on time, and to regularly take their maintenance medicine to prevent worsening of their illness. The more well managed the condition is, the less chance there is of being hospitalized.
[/vc_column_text][vc_empty_space][vc_column_text]So what is the best HMO Plan for Seniors in the Philippines”

Pacific Cross offers the following flexibility:
1. The flexibility to choose your own Doctor at your preferred hospital.
2. Where the maximum benefit limit is Php 500,000.00
3. Gives room for coverage of pre-existing conditions.
4. Provides for comprehensive annual physical exam.
5. The most cost efficient way of securing coverage for your parents at only Php 49.89/ day for a Php 500,000 Coverage.

You do not need to “BELIEVE” in insurance to actually utilize it. Medical Emergencies may happen anytime and having a Health Insurance will help ensure that life goes on both for the living and the sick.[/vc_column_text][vc_empty_space][vc_column_text]
While it might not be easy to convince your parents that they need health insurance, in reality, they don't even need to believe in it to actually utilize it. You never know when they're going to need it, and for sure, they will thank you for when that time comes.
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#### How Does Life Insurance Work in the Philippines?
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In my 25 years in this industry of insuring individuals, I would always observe that when you ask a person to list down their financial priorities, insurance would either be the last or even unfound in the list. Sometimes, they would even tell you that they are ok, they are healthy, and that they do not need insurance. One time, I even asked a good friend of mine, “Why is it so difficult to pay for your life insurance given that it will benefit you and can serve as your savings for your older self?” I didn’t get a reply, but the objection stopped.
Life Insurance is one of the greatest assets that a person can ever have, because of the following reasons:
1. It can protect and provide for the family in the event of the loss of a bread winner.
2. It provides funds that can be used for the treatment of a critical illness and for living expenses while recovering from the illness.
3. It can provide funds for medical expenses and final expenses in the demise of a loved one.
4. It can protect your assets from depletion due to estate taxes.
5. It can be your “pamana” to your kids and grandchildren.
6. It can be your forced savings for retirement.
7. It can be an avenue for you to save for your child’s college education.
Life Insurance in the Philippines is not as detailed as insurances offered in western countries wherein a specific body part can be insured particularly if, for instance, that is an asset for your job.
In the Philippines, our insurance focuses more on the general aspects. see this list of what can usually be covered by Philippine life insurance companies:
1. Loss of Life whether through illness or accidents, wherein there is an additional amount given to the family if the cause of death is an accident.
2. Coverage for Specific Critical Illnesses, such as cancer, female illnesses, etc, wherein a lump sum is given upon the diagnosis of a critical illness.
3. Pure Accident Insurance
4. Educational Fund, that secures funds for the education of your child and ensures that whether you are alive or gone, you fulfill that lifelong dream of sending your child to school.
Riders, on the other hand, are additional benefits that can be attached to a plan to augment what it offers:
1. Coverage for dismemberment where a percentile of the face amount is given to the insured if dismembered due to an accident.
2. Disability waiver of premium, which waives the premiums in case of disability due to an illness or an accident.
3. Disability payout, wherein a portion of the coverage is paid out in case of disability due to an accident.
4. Burial Benefit, which is a benefit given if the insured dies due to natural death—amount to be given is dependent on the PA package chosen
5. Murder and Assault – if the insured dies due to murder, one-half (1/2) of the benefits indicated in the schedule of losses not exceeding PhP 1 million will be paid
6. Hospital Income Benefit – an allowance is paid out to the insured when he is hospitalized.
Insuring against risk is highly important to secure that your family does not deplete funds that are allotted for other financial needs. Whether your budget allows for the basic coverage or product specific lines, do this NOW and do it for YOURSELF and for your FAMILY. For more information about financial protection, consider talking with an advisor here for free.
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#### How to Get Out of Debt: A Simple Guide to Managing Your Money and Achieving Financial Freedom
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Many Filipinos face a constant cycle of debt without realizing that their expenses are exceeding their income. This overwhelming cycle of borrowing, paying, and borrowing again can feel endless. However, with the right approach to money management and the discipline to stick to it, anyone can break free from this financial struggle. It’s time to start thinking about how to get out of debt and take control of your finances, so you can save, invest, and enjoy more financial freedom.
In this simple guide, we will walk you through actionable steps to help you get on track towards a debt-free and financially secure life.  
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1. Understand Your Financial Situation
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The first step in getting out of debt is to know exactly where you stand. Before you can make any changes, you need to take an honest assessment of your income, expenses, and debts.
Ask yourself these questions:
✔ How much do I earn each month? – This includes your salary, side hustles, commissions, or any other sources of income.  

✔ How much do I spend each month? – Track your expenses including rent, utilities, food, transportation, and even small purchases.  

✔ How much debt do I have? – Make a list of your debts, including credit card balances, loans, and any overdue bills. Don’t forget to note interest rates and payment deadlines.

Action Step: Write everything down in a notebook or use a free budgeting app like Goodbudget or Wallet to keep track of your income and expenses.[/vc_column_text][vc_empty_space][vc_column_text]
2. Cut Unnecessary Expenses 
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Now that you have a clear view of your finances, it's time to cut down on unnecessary spending. This is a critical step if you want to know how to get out of debt fast.
✔ Avoid Impulse Buying: Always ask yourself, "Do I really need this?" before purchasing anything.  

✔ Eat at Home: Preparing meals at home rather than eating out can save you a significant amount.  

✔ Reduce Unnecessary Subscriptions: Cancel unused memberships or apps like streaming services or gym memberships.  

✔ Limit Luxuries: It's fine to treat yourself every now and then, but always within your budget.

Action Step: Set a weekly spending limit for non-essential items and make sure to stick to it.

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3. Pay Off Your Debts Strategically
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Your top priority is paying off your debt. Two proven methods to do this are the Snowball Method and the Avalanche Method.
✔ Snowball Method: Pay off the smallest debt first to gain motivation, then tackle larger ones.  

✔ Avalanche Method: Pay off the debt with the highest interest rate first. This is the most efficient method in terms of saving on interest.

For example, if you have a ₱3,000 loan (5% interest) and a ₱10,000 credit card balance (10% interest), the avalanche method would suggest paying off the credit card balance first because it’s more expensive due to the higher interest rate.

Action Step: Make sure you pay more than the minimum amount on your debts each month, using the method that works best for you.[/vc_column_text][vc_empty_space][vc_column_text]
4. Build an Emergency Fund
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Once you’ve started to make progress on your debt, it’s time to build an emergency fund. This will help ensure that you don't fall back into debt when unexpected expenses arise.
✔ Start Small: Aim to save at least ₱50-₱100 per day.  

✔ Aim for 3-6 Months of Expenses: This is a solid goal for your emergency fund.  

✔ Choose a Safe Savings Option: Store your emergency fund in a safe, high-interest account like a digital bank.

✔ Add Another Stream of Income: Try to discover other ways that you can earn money by adding a side hustle on your free time.

Action Step: Open a separate savings account specifically for your emergency fund and automate a small deposit from each payday.[/vc_column_text][vc_empty_space][vc_column_text]
5. Start Investing for the Future
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Once you’ve secured an emergency fund and reduced your debt, it’s time to think about building wealth for the future.
✔ Stock Market & Mutual Funds: Great for long-term wealth-building.  

✔ Pag-IBIG MP2 & Digital Banks: Ideal for beginners who want safe, higher interest returns.  

✔ Side Hustles & Small Business: Use extra savings to start a business for passive income.

Action Step: Start with small, simple investments like Pag-IBIG MP2 or a trusted mutual fund. You can gradually grow your investments over time.[/vc_column_text][vc_empty_space][vc_column_text]
6. Reward Yourself (But Wisely!)
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Managing money doesn’t mean you can't enjoy life! As you make progress in getting out of debt, reward yourself, but do it smartly.
✔ Plan for Travel or Gadgets: Save for these things instead of using debt.  

✔ Give Back to Family: Help out your loved ones, but make sure you have a plan.  

✔ Invest in Yourself: Take courses, learn new skills, or start a passion project.

Action Step: Set aside a small percentage of your income into a “Rewards Fund” for personal enjoyment without straining your budget.[/vc_column_text][vc_empty_space][vc_column_text]
Final Thoughts: Small Changes, Big Results
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It takes patience and discipline to manage your money effectively, but the results are worth it. By tracking your income, cutting unnecessary expenses, paying off your debts, and saving strategically, you can achieve financial freedom and live life without stress.
Remember, it’s not about how much you earn, but how well you manage your money. Start making small changes today, and your future self will thank you for it!

By following these steps, you will be well on your way to mastering your finances and getting out of debt. Start today by booking a sit down consultation with our Certified Financial Advisor and Wealth Coach, and take control of your financial future![/vc_column_text][vc_empty_space][/vc_column][/vc_row]

#### How to Invest Your Christmas Bonus: 5 Smart Strategies for Beginner Investors
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The holiday season is not just about celebrations and gift-giving; it can also provide an opportunity to secure your financial future. Let’s explore five smart strategies on how to invest using your Christmas bonus effectively. Whether you are new to investing or have previous experience, these tips will help you make the most out of your holiday windfall.
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Set Clear Financial Goals
Before diving into any investment decisions, it's crucial to establish clear and realistic financial goals. Ask yourself what you want to achieve with your Christmas bonus investment. Do you want to grow your wealth in the long-term or save for a specific purpose, such as funding your child's education? By defining your goals, you can tailor your investment strategy accordingly.
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Prioritize Protection of your Income
The foundation of a good financial portfolio is risk management. Prioritize creating funds that will ensure you will not deplete your savings due to medical or life emergencies by getting a Health Insurance Coverage. Pacific Cross offers a comprehensive and cost efficient way to answering for your medical expenses, they have health plans that do not have an investment component and only has a pure medical insurance coverage. Apart from covering for the medical expenses, life insurance and critical illness coverages are also essential, they will fund for your living expenses and medication while you are resting and recovering. Other products as such as Sun Life Fit and Well (for health) or Endowment Plans offers a practical way of setting aside an amount yearly to guarantee coverage when the need arises in the form of an endowment plan that gives your regular income after you reach a certain age to ensure that you’ll always have money coming in even if you cannot work or do business in the future.
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Diversify Your Portfolio
One of the key principles of successful investing is diversification. Avoid putting all your Christmas bonus funds into a single investment option with high risks. Instead, spread your investment across different asset classes, such as stocks, bonds, real estate, or mutual funds. Diversification can help minimize potential losses and maximize your chances of earning a solid return.
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Consider Investing in Stocks or Mutual Funds
Stock market investments have the potential for significant growth over the long run. Research well-established companies with a history of steady performance and consider investing in their stocks. However, be cautious and consult with a financial advisor if you are new to stock investing. Monitor the market regularly and make informed decisions based on sound analysis.
If you prefer a less risky investment option with professional management, mutual funds can be a suitable choice. By pooling money from various investors, mutual funds offer a diversified portfolio and access to a range of investment opportunities. Look for mutual funds with a solid track record and low expense ratios to maximize your returns.
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Invest in Your Retirement
Investing a portion of your Christmas bonus in a retirement account can help secure your financial future. For instance, contribute to a Retirement Plan if your employer offers one, especially if they provide a matching contribution. Taking advantage of tax advantages and employer contributions can significantly accelerate your retirement savings.  Sun Life offers a way to help you set aside an amount monthly to help us create retirement savings through endowment plans that gives guaranteed payouts or through investment linked products that help you participate in the stock market. 
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As you receive your Christmas bonus this year, think beyond the festive season and consider how to invest it wisely. By setting clear financial goals, diversifying your portfolio, and exploring investment options like stocks, mutual funds, and retirement accounts, you can make the most of your bonus and set yourself up for a financially secure future. Remember, investing requires patience, research, and a long-term perspective. Start small, seek guidance if needed, and always stay informed about the ever-changing investment landscape. If you ever need a FREE consultation with a Certified Financial Advisor and Certified Wealth Planner, we are here to help! Claim your free 1-hour consult now by filling out the contact form here! (Don’t worry it comes with NO strings attached).
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#### How to Manage Your Finances During a Pandemic
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Covid -19 has shocked the world, it has rendered the closure of prominent businesses, changed the landscape of how we do things and literally, stopped the world! The world we know was forced to evolve, and migrate to the digital platform in the blink of an eye. Online transactions which used to be crawling it’s way into our lives suddenly sprung to life. The Pandemic proved to us that change is inevitable and we have to open our minds and adapt.
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Here are a few disciplines I’d like to share with you which you can embrace, pandemic or no pandemic:
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Balance your income versus your expenses. Balancing means, you would need to consider that your income has to be allocated based on priority, Basic Needs (food, clothing, shelter), Emergency Funds, Risk management cost which covers life and health insurance. After these 3 has been addressed, the remaining will be for the collateral expenses like new clothes, bags and the likes.
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Explore other possible sources of income besides your main source of income. Given that the Pandemic has proven that keeping a single income source makes us vulnerable, it is important that we create multiple income stream.
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Ensure that your emergency funds are in place; take note, emergency funds should ideally be 6 months worth of monthly expenses, 6 months will give you ample time to find another income source. Deposit this to an account where it is easily accessible, ideal for this are mutual fund money market fund with a relatively better earning potential of around 2% per year, or the regular savings account.
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In Risk managing, it is important to take into account to create back up for medical expenses through medical insurance, note that the pandemic has caused a substantial increase in medical expenses, because of the health protocols and the increase in demand.
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In managing your finances, always bear in mind that we that with LIFE comes RISK, thus, it is important to have cash on hand and risk management portfolio on the other hand. Cash for the immediate and risk partners to share in your family’s expenses at the time of need. Planning and Foresight will get us through the hard times.
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#### How to Open a Bank Account
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The Basics of Opening a Savings Account:
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If you are reading this article, you are probably interested to take the first step to managing your money. Bank accounts are our pivot point to almost everything. From your bank account, you can create baskets for the foundation of a secure financial future.
Bank account is the focal point of establishing a good relationship with your bank of choice, from savings to credit cards that help you manage your purchases and unexpected expenses with 0% installment offers, to personal loans to help you buy your dream car or dream house.
Bank accounts also help you promote the discipline of setting aside a portion of your income monthly eventually paving the way for the reallocation to different investment instruments like bonds, stocks, mutual funds, risk management portfolio like life and health coverages to secure you and your family.
Please also note that most transactions nowadays are anchored to your bank account, which is the legitimate point of all financial transactions.
Moving forward, Here are the requirements to open a savings account for most banks in the Philippines:
1. 2 government issued primary ID’s
like passport, driver’s license, PRC, SSS/UMID
OR
2 secondary ID’s
like NBI Clearance which is the easiest to secure
plus BIR TIN Card, Birth Certificate
2. Second, you need to prepare 1x1 pictures that they will attach to the forms that you will fill out.
3. Third, you need to prepare a proof of billing, this can be under the name of a different person, the important thing is you live in that address. Supplement it as well with a Barangay Certification with bank requirement stated as the purpose.
4. Fourth, they will usually ask for your TIN number, for the TIN number, bring your PSA Birth Certificate to the nearest BIR RDO and fill out the form.
5. Fifth, you may proceed to your preferred bank which should be nearest the are where you work or live or you may open your bank account online, via the Gcash App, download the CIMB or Union Bank App.
Please ensure as well that the signatures on your ID’s match the signatures that you will affix on the forms that you will fill out.
Please also note that the ID’s you are bringing are still valid and not expired.
I am truly excited to help you in your journey towards achieving financial security.
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#### How to Spend Your Christmas Bonus Wisely
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It’s December again, that time of year when we receive the additional 1 month income from the companies that we work for. Question is, what comes into mind when we are receiving bonuses like this?
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For most of us, it would probably form part of your budget for the festivities of this season? Travel, food, gadgets? Fly out of the window money? I would call it?
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Here are tips on how to budget your Christmas Bonus to ensure you don’t spend them all on your wants:
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Before considering all other expenses, make that expert decision to set aside 20-30% of your Christmas bonus to build something lasting, something that would give us more, not today, but for tomorrow. Use it to plant a seed that will grow into a fruit-giving plant that can help you build your dreams in the future.
Months before we receive it, we can scout for sound investments where we can allot and house a portion of the amount that we are expecting.
You may want to start with your:
Emergency Funds - COVID-19 has taught us that lockdowns and closed businesses is possible, these will ensure we have back up funds for unexpected events. Your emergency fund should be worth 6 months of your living expenses.
Health Insurance - to make sure that unexpected hospitalization won’t leave your family in debt. It takes only 1 sickness to wipe out your bonus or worse, your hard earned savings.
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Since, it's Christmas, it's time for gifts to show our appreciation to our friends and family. Set a budget for your Christmas gifts, set only an amount that you will spend, List their names and find the gift that would fit your budget. Shoppee and Lazada can be a great source of “value for money” gifts.
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The holiday season is also a great time to plan your travels and food trips with the family. I do recognize the need to breath in fresh air after that long and tedious lockdown and work from home arrangement. Everyone needs a break. A lot of destinations are giving reopening discounts, find that driving range destination that would give you the experience for your allotted budget. 
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Finally, let's not forget to pay off all our existing debts so that we can start the new year with a clean slate. Unfortunately, debts are not "out of sight, out of mind", they continue to grow if we ignore them, so be a responsible payer.
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Note, the discipline of budgeting will always be in your hands, YOU will always be the key to protecting and growing that Christmas Bonus and making it meaningfully help you create other funds to build your portfolio. Make this a HABIT! you will never go wrong.
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#### Is having Sunlife Insurance in the Philippines Worth it?
One of the most misunderstood financial tools is Life Insurance. A lot of people would always think of all the excuses why it is not a valuable investment, and it would take countless discussions and an open mind before the realization sets in. Sometimes… too late during one’s lifetime….. I am hoping that in your search for value, I will be able to share valuable insights for you to make this a part of your priority as you embark on securing your financial future.

One of the most common mistakes is thinking along the investment side of the insurance policy, a lot of clients would always look into, how much I would get at the end of the term versus the total amount that I have contributed across the years. On the contrary, the worth of your policy should be computed based on how much we are paying per thousand vs the total coverage it will provide once the unexpected occurs (death, disability and critical illness).

At whatever stage in your life you are into, just graduated/single, starting a family, mid stage, raising growing kids, or retirement, life insurance is the most valuable risk management tool. And there will only be 3 basic reasons that it will not be worth it:
1. You will not die
2. You are 100% sure you will not get sick
3. You are 100% sure that you will not retire.

Now, for you to be able to maximize on your policy, you have to profile, first and foremost the financial advisor that you are dealing with. Here are some tips on how to go about this, and red flags that you should watch out for, if you are starting to embark on your journey to building your portfolio:
1. How long has your Financial Advisor been in the industry - This is essential, since as a newbie, your financial advisor will be your guide and he/she will help you through monitoring, modifying, augmenting, claiming. The after sales service is core of this journey, where tenure of the advisor will define that he/she will stay with the company and service you.
2. How will he/she begin after your initial meeting? Will he/she go straight to proposal? - Please note that while the products are there, this is not a one size fits all. Your FInancial Advisor should profile your life stage and your risk tolerance, whether you are for life insurance with investment which involves market risk or more for the traditional products with fixed premiums that accumulates cash value. Age is also a critical component in designing how you would like to save up for the 3 basic needs of protection, critical illness and retirement.
3. Try reading through the fine prints of the proposal that has been presented and ask your Financial Advisor what need will the said policy fulfill. Best if he/she would present the risk management profile more than the investment side.

The Company you will invest in:
1. Check if the company is listed with the Insurance Commission, the Insurance Commission website is open for anyone to browse.
2. Check on the their paid claims, they would usually post this online. Paid Claims is one of the best markers of the strength of both the commitment and the financial position of the company.
3. How long has the insurance company been in operation in the Philippine Market, it is difficult to survive in our market and the length of time the company has been in the Philippines defines their strategy.
4. Check on how they train and monitor their agency force. Companies who train and monitor their agency well impose production quotas will help you ensure that the company understands the importance of the role of the financial advisor.

Sunlife has been consistently ranked first the country for life insurance for 13 years straight! and

“ TIME” the most crucial element in growing your money will be on your side if you decide to start EARLY. “ It is also important to note that, at the end of the day, please take into account that anything that is life insurance, is protection, protection for you not to deplete your investment in case of critical illness, protection to transfer your assets to your beneficiaries. Protection of income in your demise. It is the ultimate RISK MANAGEMENT FINANCIAL TOOL.” Book a FREE FINANCIAL CONSULTATION with our Certified Financial Advisor and Certified Wealth Planner today!

#### Is Maintaining a Bank Account Really Essential?
 
I am continuously surprised by having bumped into a lot of Filipinos who do not own and maintain a bank account. A client of mine who was a professional told me she needed to withdraw from her policy because of a financial requirement, in the process of securing all the requirements, I was surprised to discover that she does not have a bank account under her name and her husband only has a payroll account.
A 29 year old client of mine who works for a BPO and is into small business, when I ordered from her and asked her how I should pay, she asked me if I can send it to her via Cebuanna Lhuillier, she does not have a bank account neither did she attempt to open a Gcash account? In this fast moving society, I feel people who do not own a bank account do not see the value of having one and keeping one.
Here are 5 reasons why I deem it necessary for each and everyone of us to have a bank account:
       1. A bank account is the starting point of developing a habit of saving, it’s like a piggy bank, since it is not cash in the wallet the temptation of spending is impeded. As we habitually leave a portion of our income in our bank accounts, from there, we can start allocating for the different financial needs.
      2. Opening a bank account will be the start of building credibility and relationship with the bank for future transactions. Did you know that, your bank account’ maintaining balance defines most of your requested bank transactions like a loan to buy your new car or your dream house? Banks would also help you in most financial undertakings like providing a capital for your small business which you can pay monthly across a period of 3 years or more with a sensible interest rate.
      3. Bank accounts may help us develop a discipline of keeping a part of your income every payday. Leaving 20% of your monthly income would help you keep this discipline.
      4. Bank accounts are also the basis for credit card issuance and Visa approvals which are tagged to the amount that you leave parked in your bank account for at least 6 months to a year.  If one of your dreams is to fund your travel, one of the most sensible ways to do this without bleeding on interest is through credit card promos and credit card solutions of lending you a portion of your credit limit for a low monthly interest rate. Take note however, that for you to enjoy this benefits, you have to show the credit card companies that you can pay them, how do you do this? The strongest proof is a bank statement detailing the deposits and withdrawals in your account.
      5. Most Financial transactions nowadays will be from bank to bank or from other financial institutions to your bank account.  Going back to one of my stories above, the professional withdrawing from her policy, will either be issued a crossed check (can only be deposited to a bank account under her name) or the amount can be credited to a bank account under her name. Now she was obligated to visit a branch to open an account for us to complete her request.
It is time to decide to start building your financial portfolio by opening a bank account, commitment is key to saving for your future.

#### Is Money Consciousness Natural or Acquired?
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My 25 years in the financial services industry was truly a “devout” journey.  I keep that fire of commitment in my heart to help as many Filipinos develop money awareness. I would like to share as much of what I learned growing up, from people I’ve worked with, from clients and  from the researches that I’ve done. I would also like to be able to share this with as much people in the simplest language possible.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column][vc_column_text]
Money management starts from within, as a person, I would say, we have this built in money conciousness, there are people who are responsible in handling money, with a habit of keeping a portion of their income and gauging if buying something new is really necessary. However, in my experience, this is only about 1 out of 20 clients that I talk to, and you’d be surprise to note that, those who are not naturally money conscious come to their senses only when they reach age 30 or worst, older.
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It is truly cumbersome to start thinking of Money Management when you are 47 or older, we need to take into consideration that growing money has 3 elements:
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Interest – investments should yield high returns at least more than the average inflation rate.

Money – the bigger the amount naturally means bigger savings to compound.[/vc_column_text][vc_empty_space][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]
Let us walk through the perils of always having planning at the bottom of your list, of leaving your life to chances instead of forward thinking and long term planning. Get in touch by booking a free consult to see how we can start your financial journey.
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#### Pet Insurance Philippines: Protect Your Finances from Unexpected Pet Medical Emergencies
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Pets are a part of the family, and just like any member of your family, they can get sick or injured. When this happens, it can be expensive to pay for veterinary care. Pet insurance can help you cover the cost of unexpected medical expenses, so you can focus on giving your pet the best possible care.
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What is Pet Insurance?
Pet insurance is a type of insurance that helps cover the cost of veterinary care for your pet. There are a variety of different pet insurance plans available, so you can choose one that fits your needs and budget. Most pet insurance plans cover things like:
• Routine care, such as annual checkups and vaccinations
• Emergency care, such as surgery and hospitalization
• Chronic conditions, such as cancer and diabetes
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How Much Does Pet Insurance Cost?
The cost of pet insurance depends on a variety of factors, including the type of plan you choose, your pet's age and breed, and your location. However, pet insurance is typically very affordable, and it can save you a lot of money in the long run.
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Is Pet Insurance Worth It?
Pet insurance is a personal decision, and there is no right or wrong answer. However, pet insurance can be a wise investment for pet owners who want to protect themselves from unexpected medical expenses. According to the American Veterinary Medical Association, the average cost of treating a pet emergency can be over $1,000. If you don't have pet insurance, you could be faced with a large financial burden if your pet gets sick or injured.
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How to Choose the Right Pet Insurance Plan
There are a few things to consider when choosing a pet insurance plan:
• Coverage: What types of expenses does the plan cover?
• Deductible: How much do you have to pay out-of-pocket before the insurance starts to pay?
• Coinsurance: What percentage of the covered expenses do you have to pay?
• Premiums: How much will you pay in premiums each month or year?
Once you've considered these factors, you can start comparing different pet insurance plans. Be sure to read the fine print carefully before you sign up for a plan.

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Protect Your Finances with Pet Insurance
Pet insurance can give you peace of mind knowing that you're financially protected in case your pet gets sick or injured. If you're a pet owner, pet insurance is a wise investment that can save you a lot of money in the long run.
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Malayan Insurance Pet Insurance
Malayan Insurance offers a variety of pet insurance plans to fit your needs and budget. Our plans cover things like routine care, emergency care, and chronic conditions. We also offer a variety of discounts, so you can save even more money on your pet insurance.
To learn more about our PET INSURANCE, fill out the form here to get a quote.
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#### Readers Ask: Should You Date a Guy Who Is Broke?
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When it comes to dating, financial stability is often a factor that individuals consider. There is a common misconception that dating someone who is financially stable is the key to a successful and secure relationship. However, is financial status really the most important factor when it comes to choosing a partner? 

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Love and Compatibility Over Financial Status
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Focus on Love and Compatibility
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While financial stability is undoubtedly important, it should not be the sole criteria for choosing a partner. Love, compatibility, shared values, and emotional connection play crucial roles in a successful relationship. It is essential to evaluate the overall compatibility before making judgments based solely on monetary factors.
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Personal Growth and Support
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Dating someone who may be going through financial hardship can also provide an opportunity for personal growth and support. During challenging times, a relationship built on genuine emotional connection can foster strength and resilience, encouraging collaborative problem-solving and personal development.[/vc_column_text][vc_empty_space][vc_column_text]
Understanding the Broke Situation
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Differentiating Temporary Circumstances from Irresponsibility
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Before making judgments, it is crucial to understand the reasons behind the financial situation. Is the person broke due to unfortunate circumstances, or is it a result of financial irresponsibility? Temporary setbacks such as job loss or unforeseen expenses can happen to anyone, and it is important to consider these factors before making a decision.[/vc_column_text][vc_empty_space][vc_column_text]
Communication and Transparency
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Open and honest communication is vital in any relationship. If your partner is currently facing financial struggles, engage in conversations about their situation. Understanding their perspective, future goals, and willingness to improve their financial situation can help provide clarity and make informed decisions.[/vc_column_text][vc_empty_space][vc_column_text]
Financial Compatibility and Future Prospects
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Shared Financial Goals and Values 
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Financial compatibility includes having shared financial goals, values, and attitudes towards money. It is important to have conversations about financial habits, saving strategies, debt management, and long-term financial aspirations. Compatible financial mindsets can contribute to a healthier and more harmonious relationship.[/vc_column_text][vc_empty_space][vc_column_text]
The Role of Financial Responsibility
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While not dating someone solely based on their financial status is important, it is crucial to consider whether they display signs of financial responsibility and a willingness to learn and improve their situation. Responsible financial behavior, such as budgeting, saving, and managing debt, is indicative of their commitment to stability and future growth.[/vc_column_text][vc_empty_space][vc_column_text]
Choosing a partner should involve a holistic approach that considers various factors beyond financial stability. While financial compatibility is important, it should not overshadow the value of love, compatibility, and shared goals. By communicating openly about financial situations, personal growth, and future aspirations, individuals can make informed decisions about dating someone who may currently be financially strained. Remember, it is the combination of love, understanding, and shared values that ultimately creates a strong and lasting relationship. Are you willing to date someone who is broke?[/vc_column_text][vc_empty_space][/vc_column][/vc_row]

#### Sunlife is the Top Life Insurance Company in the Philippines for 2022
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SunLife's remarkable achievement of being ranked number one for the 12th consecutive year is truly awe-inspiring. The company has not only dominated the Total Premium Income category but also recaptured the New Business category generating more than 9.7 billion worth of new business, reinforcing its undisputed leadership in the industry.
This achievement is a testament to Sun Life's unwavering commitment to prioritizing its clients above everything else. The rigorous and deep-seated commitment of the company in ensuring that its Financial Advisors are always updated and ready to empower more Filipinos through financial literacy is truly commendable. This commitment is a reflection of Sun Life's mission of giving back to the community.
Sun Life's success is not just about numbers and rankings. It is about the impact that the company has on the lives of its clients and the community. Being number one means that Sun Life is able to fulfill its promise of providing superior financial products and services that meet the needs of its clients. It means that Sun Life is able to provide financial security and peace of mind to its clients, enabling them to achieve their goals and dreams.
Sun Life's commitment to financial literacy is also a significant factor in its success. The company understands that financial literacy is key to empowering Filipinos to make informed decisions about their financial future. By providing accessible and relevant financial education, Sun Life is helping to create a financially literate society that is better equipped to manage their finances and achieve their goals.
Sun Life's success is also a reflection of its commitment to giving back to the community. Through various corporate social responsibility initiatives, Sun Life is making a positive impact on the lives of Filipinos. The company's commitment to building sustainable communities and promoting social and environmental responsibility is admirable.
In conclusion, Sun Life's achievement of being number one for 12 years in a row is truly remarkable. It is a testament to the company's commitment to its clients, Financial Advisors, and the community. Being number one means more than just rankings and numbers; it means that Sun Life is achieving its mission of providing financial security and empowerment to Filipinos. Sun Life's success is a source of inspiration and motivation for all of us to strive for excellence and make a positive impact on the lives of others.
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#### Term Vs VUL Insurance: Which One is Best for You?
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A lot of people have varying opinions as to what is more cost efficient and what is the better option between a Term vs VUL Insurance. In this article, I would like to give you a fair comparison of the basic difference between this two so that you can weigh your priorities and match which product best answers what you need. Please take note that in life insurance it is not a matter of “one size fits all.” Sit down with a professional Financial Advisor who will help you sort things out. 
Let us first define both to help us better understand: 
Variable Unit-Linked (VUL) is an investment-linked life insurance plan that provides protection and the opportunity to grow savings over time. The Insurance Protection part pays out a minimum guaranteed amount of insurance coverage in case of Insured’s death. Savings/Fund Value, Accumulates a variable & non-guaranteed amount that is linked to the investment fund/s chosen by the client. 
A Term Insurance on the other hand is a type of insurance that is bought more for protection, where we pay a certain amount to be protected for a specified period of time. Coverage terminates the moment we stop paying for the premiums. 
To compare, VUL is a combination of insurance with investment component where the investment portion may help keep the policy alive in case of delinquency in premium payments, while term insurance is purely protection that ceases the moment premiums are not paid. 
Below is my outlook on the pros and cons on both: 
Term Insurance Pros: 
1. Cheapest form of insurance in the market. 

2. The regular term insurance can be converted to either a VUL or a traditional life insurance policy anytime. 
Term Insurance Cons:
1. Possibility of not sustaining coverage is high if you forget to pay your regular premiums. 

2. If you want to keep the coverage, please note that while the initial premium is cheap, premiums increase every 5 years. 
VUL Pros:
You get the best of both worlds, where a portion of what you pay for is allotted for your insurance, and a certain amount goes to the investment part which works 2 ways,
1. It creates an investment portfolio, which grows overtime to fund your retirement, the education of your child or other future financial needs.

2. Protects and ensures continuing coverage, afforded by the fund value that you accumulate in the investment part of your portfolio. 

3. For us Filipinos, it help develop the habit of setting aside a certain portion your income every month. 

4. You get a loyalty bonus for keeping your policy in force, currently equal to 2% of average monthly fund balance of the past 5 years prior to the bonus payout  payable at the end of 10th policy year and every 5 years thereafter. 

5. The investment portion is protected by the insurance part, in case something happens to the insured, both the insurance and investment are released to your beneficiaries. 
VUL Insurance Cons: 
The length of the paying period may be affected by the performance of the investment portion, if you are looking at availing of the shortened paying period. VUL policies project at a certain rate of return where it can sustain the insurance till age 88 to 100, usually at 4%, if returns go lower, additional payment may be required.
At the bottom of it all is your priority, budget and commitment to your financial goals. Take time to sit down and determine whether you need a Term vs VUL Insurance plan, this will keep you on track to financial success. Feel free to book a free consult with our financial adviser here.
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#### Top 10 Life Insurance Companies in the Philippines 2021
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Obtaining life insurance isn’t only a long-term commitment but also a crucial investment for you and your family’s financial protection. So, it is fair to make sure that your hard-earned money is in the right hands. That’s why every year, one of the core concerns of insurance providers in the country is to maintain superiority by being one of the best life insurance companies in the Philippines. Ranking among the leading insurers gives them the first step toward making sure that they are deserving of their clients’ trust. 
If you’re still uncertain about which insurance provider to choose, listed below are the top 10 life insurance companies in the Philippines in 2021 based on five measurement categories—premium income, assets, new business annual premium, net income, and net worth. 
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To know the overall financial health of the company, it is essential to look at all the five metrics provided for the ranking. A good premium income, for instance, reflects the happy clients who continuously pay for their plans as well as the company’s growth signified in new business annual premium equivalent (NBAPE). Moreover, net income shows the profitability of the company, while net worth shows the business’ capacity to cover its future claims. Lastly, the total assets metric can be a good signifier of how the life insurance company manages its assets.
You have probably seen a life insurance provider as number one in a category, but second in another area. But whether the company is ranked one or 10 in any of those measurement categories, the chart above gives you a bird’s eye view of the top brands when it comes to providing life insurance. 
While we listed some possible options you could choose from, the big decision to make is still in your hands. At the end of the day, what really matters is to be insured by a provider whom you can trust and to cover the risk of living, both for you and the people you care for during your lifetime and beyond. Among countless life insurance companies in the Philippines, let us help you find the right provider and policy for you. Book our free consultation today.
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#### We just got the International Quality Award (IQA)
 
We just got the International Quality Award (IQA) - 2021. IQA membership recognized as a mark of their professionalism, competence, and leadership in today’s insurance marketplace. This award provides companies with a way to reward these managers for their successful practice and leadership skills.
LIMRA is a worldwide research, consulting, and professional development not-for-profit trade association. Nearly 700 financial services companies in 53 countries rely on LIMRA’s research and educational solutions as the trusted source of industry knowledge to help them make bottom-line decisions with greater confidence. Companies look to LIMRA for its unique ability to help them understand their customers, markets, distribution channels, and competitors to give them leverage on developing realistic business solutions
This award is given to professional who give exceptional after-sales service to its clients, we stand committed to bringing you the best service as your Certified Financial Planner, get in touch and let’s grow together.

#### Why Do Most Filipino Elderly Avoid Getting Health Insurance?
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Health insurance is an essential aspect of life, especially for the elderly, whose healthcare expenses tend to increase as they age. However, most Filipino elderly avoid getting health insurance. In this blog post, we will discuss why that is and how Finance in a Minute's health insurance product Pacific Cross can provide peace of mind to those who are hesitant.

The Belief in "Usog"
According to our consultations, most parents do not like to talk about health insurance due to their belief in "Usog." "Usog" is a Filipino belief that by talking about sickness or accidents, they are tempting fate. Unfortunately, this belief can be detrimental to their health in the long run. It is essential to understand that not every sickness will result in death, and avoiding thinking about them can even result in a delay of timely intervention, which can worsen the situation. By having health insurance, they can have peace of mind and access medical facilities and professionals when necessary.

The Importance of Having Health Insurance for Senior Citizens
As we grow old, our healthcare expenses tend to increase, and this trend is seen more in the case of elderly people. Therefore, having health insurance can provide us with the necessary financial protection and peace of mind. Here are a few reasons why getting health insurance is essential for the elderly:
1. Not Every Sickness Will Result in Death
It is essential to understand that not every sickness will result in death; therefore, we do not need to fear getting sick. With the right medical intervention, we can recover.
2. Timely Intervention
Following the belief of "Usog" can result in a delayed timely intervention, which can worsen the situation. Health insurance offers access to medical facilities and professionals at the time of need.
3. Life Savings Should be Enjoyed!
Our life savings should be used for exciting events like traveling and spending time with family and not for medical bills. Having health insurance can help avoid the financial burden of medical bills.
4. Health Insurance vs. Life Insurance
Many elderly people confuse health insurance and life insurance. However, health insurance and life insurance are not the same. While some products may offer similar benefits, pure HMO insurance is not an investment product. Unlike life insurance, health insurance provides coverage for medical bills.
5. Waiting Period
Most health insurance policies have a waiting period before the full benefits commence, which can take up to a year. However, sickness and accidents can happen anytime, and it's always better to be prepared. By having health insurance like Pacific Cross by Finance in a Minute, seniors can have coverage for the medical expenses that may arise.
6. Avoid Burdening Loved Ones
Unexpected medical emergencies can pose a significant financial burden for families who do not have health insurance. Having health insurance can help get rid of this problem, and patients can focus on their recovery.
7. Faster Clinical Decision Making That Can Save Your Life
Having the ease of knowing that we have the funds available just in case can allow for faster decision making when it comes to life-saving measures such as surgery or medications. Having Pacific Cross health insurance provided by Finance in a Minute makes the process seamless and quick.
8. Faster Recovery
Not worrying about hospital bills allows us to recover faster and worry-free. It eases the stress that comes with worrying about medical expenses, thereby speeding up the recovery process.
9. Expert Assistance
Getting help with filing a claim can be challenging, especially when getting it for the first time. Pacific Cross by Finance in a Minute provides expert assistance to get essential paperwork done in a stress-free way. Our financial consultants and their families also have this product so they have personal experience in the claim processing that can work to your advantage in processing your own claims.
10. The Freedom to Choose Your Doctor and Facility
Pacific Cross is one of the few HMO companies that do not require you to consult with their network of doctors. All you need is an Official Receipt from both the doctor and facility to file a reimbursement claim. If the facility and doctor is accredited by Pacific Cross, they have a cashless method where your claim is automatically deducted into your bill. As with most of the cases with senior citizens who already have their family doctors who know their extensive history, Pacific Cross offers the most flexible plan since they do not need to switch doctors just to get coverage.

Pacific Cross by Finance in a Minute
Finance in a Minute offers health insurance product specially designed for seniors who are hesitant about getting health insurance. It provides extensive coverage for Senior Citizens, offering up to PHP 500,000 in claims for only PHP 94 a day. Family members can also enrol their parents or grandparents on their behalf. With Pacific Cross, clients can expect fast processing times and expert assistance from financial advisers to ensure a stress-free experience.
Getting sick can be a scary experience, and not having health insurance can make it even more daunting. The elderly should not avoid getting health insurance due to beliefs such as "Usog." Finance in a Minute's Pacific Cross can provide peace of mind, allowing our clients to focus on their recovery and not worry about financial burdens. For more information on Pacific Cross, get in touch with our financial advisers today HERE.[/vc_column_text][/vc_column][/vc_row]

#### Why You Need Multiple Streams of Income
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As a student, you would always be asked, what would you like to be when you grow up? “A Doctor?,” “An Engineer, “ probably an “Architect?” Growing up, you would always be drawn to choosing a single field to pursue. However, when I started working, I came to a realization that the salary for a single job will not be able to build a solid and stable financial portfolio, sometimes, it can’t even support a family with kids and dependent parents. The Pandemic has shown us the “what ifs” that we fail to recognize and address for the longest time. Let us go through those
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1. What if, the industry where my active income is sourced suddenly closes down? 
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2. What if my current business line slows down because technology has rendered it obsolete? 
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3. What if I lose my current job?
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4. How about my retirement? How can I build a comfortable and worry free retirement beyond my working years? 
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Planning and foresight are key to ensure that we do not fall short as we go through life’s milestones. 
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Here are 7 Income Streams that you may want to explore:
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1. Earned Income – income from working another job. you may want to take on additional consultancy or a weekend job probably? Since this is active income, it has to be something we are willing to devote time to learn, something we are passionate about or something we love to do. 
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2. Profit Income – Income from buying and selling. Choose a merchandise that may be of popular appeal, source your supplier and choose a platform to sell it to like Shoppee or Lazada or facebook. 
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3. Interest Income – Income from lending Money, note this comes with so much risk. 
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4. Royalty Income – Income from others using your ideas. Example of these are writing a book, and composing a song. 
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5. Dividend Income – Income from dividend paying stocks or dividend paying insurance policies. You have attend trainings to learn the ins and outs of investing money in the stock market. Purchasing a dividend paying insurance policy would also be an alternative.
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6. Rental Income – Income from renting out a property. 
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7. Capital Gains – this is earned when your investment in property and other assets increase in value. 
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It would not hurt if we create as much income stream as we can. As I always tell my client, “Start as soon as you can, Invest as much as you can (time and money), it will not hurt given that at the end of the day, all the benefits are yours to enjoy.”  
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#### Why Your Trusted Life Insurance Company Should Be Number One in the Industry
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When it comes to securing the financial future of your loved ones, choosing the right life insurance company is one of the most important decisions you’ll ever make. With countless options available, it’s essential to pick a provider that not only offers comprehensive coverage but is also a leader in the industry. Here’s why trusting a top-rated life insurance company matters.

1. Financial Stability and Security
A life insurance policy is designed to provide peace of mind, knowing that your beneficiaries will be taken care of in the event of your passing. Companies ranked number one in the industry have a proven track record of financial strength, ensuring they can honor their promises no matter what. When you choose a top-tier provider, you can be confident that they will fulfill their obligations when the time comes.

2. Reliable Customer Support
Top-ranked life insurance companies are known for their exceptional customer service. From helping you choose the right policy to assisting with claims, the best in the business provide expert support and guidance at every step. Having a trusted insurer means you won’t have to navigate the complexities of life insurance alone.

3. Competitive Products and Rates
Leading life insurance providers understand the evolving needs of their customers. They offer innovative policies, flexible terms, and competitive rates tailored to fit various lifestyles. Whether you’re looking for term life, whole life, or universal life insurance, a number one provider ensures that you have access to the most suitable options for your financial goals.

4. Long-Term Trust and Reputation
A company that’s number one in the life insurance industry has earned its reputation over years of service and commitment to policyholders. This long-term success isn’t by accident; it’s a testament to their dedication to providing reliable, trustworthy insurance solutions. By choosing a reputable insurer, you align yourself with a company that prioritizes your security and well-being.
The importance of choosing a trusted life insurance company cannot be overstated. By opting for a provider ranked number one in the industry, you ensure financial stability, access to quality products, and superior customer service for yourself and your loved ones. Trust the leaders, and secure your future with confidence.
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### Pages

#### About
[vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="center" background_image_as_pattern="without_pattern" css=".vc_custom_1621782479295{padding-top: 96px !important;padding-bottom: 80px !important;background-image: url(https://financeinaminute.com/wp-content/uploads/2021/05/about-background.jpg?id=16026) !important;}" z_index=""][vc_column offset="vc_col-lg-offset-1 vc_col-lg-10 vc_col-md-offset-1 vc_col-md-10"][vc_column_text]
About Us
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Dedicated to teaching Filipinos about financial literacy for a better tomorrow.
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My Biography
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Johanna is a Licensed Financial Advisor who is passionate about educating Filipinos about financial protection. Licensed in all three lines, Mutual Funds, Life Insurance and Pre-Need Plans, she has been with Sun Life since July 1996 as a Certified Advisor for Life, Sun Life Family Business, and Wealth Advisor, and has helped over 1000 clients in a span of 25 years.
She is also licensed to sell non-life insurance, and licensed with Pacific Cross as Healthcare specialist since 2007.
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Mission
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To help Filipinos achieve their financial goals through sound money management. With focus on managing risk, growing their funds, protecting their income and for retirees, protecting their legacy. [/vc_column_text][vc_empty_space height="50px"][/vc_column][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]

Vision
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To help as many Filipinos create a sustainable financial plan to ensure that they enjoy the fruits of their hard earned labor through all their life stages. [/vc_column_text][vc_empty_space height="50px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1621782827022{padding-top: 50px !important;padding-bottom: 50px !important;background-color: #d5b273 !important;}" z_index=""][vc_column width="1/4"]10Years International Quality Awards Qualifier[/vc_column][vc_column width="1/4"]1000Clients Served[/vc_column][vc_column width="1/4"]25Years as a Certified Financial Adviser[/vc_column][vc_column width="1/4"]12Years Sun Life Macaulay Club Member[/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="center" background_image_as_pattern="without_pattern" css=".vc_custom_1621782868864{padding-top: 100px !important;padding-bottom: 50px !important;background-color: #f3f3f3 !important;}" z_index=""][vc_column][vc_column_text]

Awards and Certifications
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2019 - MDRT qualifying member
2020 - MDRT qualifying member
2021 - MDRT Court of the Table
2022 - MDRT qualifying member
2023 - MDRT qualifying member
2024 - MDRT qualifying member
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Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is a global, independent association of more than 65,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 70 nations and territories.
 
MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRT membership is recognized internationally as the standard of excellence in the life insurance and financial services business.
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International Quality Award (IQA) recipient since 2010.
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LIMRA is a worldwide research, consulting, and professional development not-for-profit trade association. Nearly 700 financial services companies in 53 countries rely on LIMRA’s research and educational solutions as the trusted source of industry knowledge to help them make bottom-line decisions with greater confidence.
 
IQA membership recognized as a mark of their professionalism, competence, and leadership in today’s insurance marketplace.
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#### Blog
URL: https://financeinaminute.com/blog/

#### Contact
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Finance in a Minute
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Finance in a Minute is dedicated to teaching Filipinos about Financial Literacy for a Better Tomorrow.
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Address
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17th floor East Tower
One Ayala, Edsa corner Ayala Ave.
Makati City, Metro Manila, Philippines
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#### Home
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Johanna is a Certified Financial Advisor who has helped over 1000 clients for over 25 years. With the creation of Finance in a Minute, she aims to improve the financial literacy of her fellow Filipinos by offering free consultations and tips to protect their income, build wealth and ensure its continuity for the years to come.
[/vc_column_text][vc_empty_space][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation=""][vc_column_inner width="1/3"][vc_column_text]Certified Wealth Planner (CWP)®[/vc_column_text][/vc_column_inner][vc_column_inner width="1/3"][vc_column_text]Certified Risk Planner (CRPP)®[/vc_column_text][/vc_column_inner][vc_column_inner width="1/3"][vc_column_text]Certified Investment Planner (CIPP)®[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner row_type="row" type="full_width" text_align="left" css_animation=""][vc_column_inner width="1/3"][vc_column_text]Certified Estate Planner (CEP)®[/vc_column_text][/vc_column_inner][vc_column_inner width="1/3"][vc_column_text]Certified Financial Advisor (CFA)[/vc_column_text][/vc_column_inner][vc_column_inner width="1/3"][vc_column_text]MDRT Qualifying Member 2023[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][vc_column width="1/2" css=".vc_custom_1641384818241{padding-top: 80px !important;padding-right: 80px !important;padding-bottom: 50px !important;padding-left: 80px !important;background-color: #d6b36e !important;}"][vc_column_text]
BOOK A FREE CONSULT NOW
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Client Testimonials
[/vc_column_text]A five-star review doesn’t seem enough to express my appreciation for my agent. 
  
When selecting insurance, it's important to also choose the right agent. I'm so grateful for the support of my agent, Ma'am Johanna. Last year, we applied for my parents' insurance, and just two weeks ago, when my dad was admitted to the hospital, we immediately reached out to her for advice. Even though I'm currently in Australia, I had my sister in the Philippines contact Ma'am Johanna to get a clear explanation of our coverage. I think my sister called Ma'am Johanna 2-3 times a day, as we faced a few challenges at the hospital. Thankfully, Ma'am Johanna was there to guide us and help resolve everything.  Dapat talaga, alam na alam ng agent mo yung coverage ng insurance and make sure din na hindi niya kayo iiwan sa ere. 

Minsan ayaw natin kumuha ng insurance kasi, nagging networking na. Pero si Ma'am Johanna, explain nya sayo kung anong kailangan mo at bakit mo kailangan, NOT HARD SELLING. 

Super recommended!!Ar. Leih Winona GonzalesJohanna is a one of a kind Financial Advisor, an FA who have  a passion and genuine care for her clients. She deep dives on client needs, educates and presents prize of being financially independent beyond the monetary values that resulted in a goal driven and tailored fit policies for our Family.

She monitors us from time to time, recommends to tweak our policies as necessary and lastly, she is really approachable for questions. These are the many reasons why we keep recommending Johanna to our colleagues and friends.Van Weisson ArroyoI have known Johanna and have worked with her since 2009. She is highly responsive, always professional, efficient, kind and patient. We have worked through many issues that have come up and our communication was always fluid and clear. Johanna always made things very easy for me. 

She guided me through the various products available and presented the best option for me – one that suited my financing and investment needs. Even when I was reluctant, she would always find the right words to calm my fears and help me make that important decision. 

I’ve always believed that passion, knowledge and a genuine interest in achieving the best for clients is what truly makes a professional Financial Adviser. Johanna has this and more. It is very heartwarming to work with an adviser who is truly interested in their clients’ needs, circumstances and preference. What impresses me most is her taking the time to understand my situation and feeling of where I was at…how far I could go. I’ve always felt like she knew the whole picture and if anything happened to me now, I know my family would be looked after. Thank you Johanna for being a friend, a confidant and my Financial Adviser!Amy Lee Gotianse-ErniI met Ate Johanna in 2015 and that time I was disappointed with a relative of mine who mishandled my insurance policy. I never thought that I would trust another financial advisor ever again but God is good that I was able entrust my first ever insurance policy with Ate Johanna under Sunlife. She was able to introduce me to the world of investment via mutual funds because inflation is inevitable, the value of setting aside emergency funds of at least 6-12 months, securing a memorial plan, the power of generating other sources of income and the importance of discernment. At this date, I already have 3 insurance policies, 1 VUL, 1 Term insurance, 1 Health insurance plus a memorial plan and HMO for added protection. As someone who knew her for a long time, I have so much confidence to tell everyone that she is not a fly by night financial advisor who would only promote products for her personal gain but instead values her clients, treats them as if they are also her family hence works smart and hard far beyond what is expected. Bottomline is, she deserves the blessings that she has right now. If you are looking for a respectable financial advisor to entrust your financial journey, then choose none other than her. Thank you for your lifelong commitment and support! God Bless you alwaysClarissa Angelique PasambaJohanna has been my financial advisor for 25 years now and she would still be in touch whenever its my due date or just to say hello.  She was always reliable, never late, a guiding hand in all things financial.  She has taken care of my insurance, my memorial plan, home insurance, travel insurance and health insurance. I have no hesitation letting her take care of us because I know she will be there, just a call away.  What's more, my experience with her makes me very confident referring her to family and friends.Check Say[/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1621848928635{background-color: #d6b36e !important;}" z_index=""][vc_column width="1/4"][/vc_column][vc_column width="1/2"][vc_empty_space height="50px"][vc_column_text]
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Our Services
[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1619659641120{padding-top: 103px !important;padding-bottom: 27px !important;background-color: #f9f9f9 !important;}" z_index=""][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Financial PlanningRisk management through effective allocation of funds across creation of Income Protection, Emergency Funds, Health, and Estate Tax.[vc_empty_space height="16px"][/vc_column_text][/vc_column][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Basic InvestingCoaching on what are the best money creation tools in the market today.[vc_empty_space height="16px"][/vc_column_text][/vc_column][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Investor ProfilingHelp assess what type of investment would best suit you based on age, lifestyle, life stage and money behavior.[vc_empty_space height="16px"][/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1619659672439{padding-bottom: 81px !important;background-color: #f9f9f9 !important;}" z_index=""][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Asset AllocationHelp you allocate across protection, risk management and investment portfolio based on their current income.[vc_empty_space height="16px"][/vc_column_text][/vc_column][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Wealth ManagementHelp you create a plan to protect your businesses, wealth and legacy through risk management channels, creation of asset protection, business continuity plan and fund reallocation.[vc_empty_space height="16px"][/vc_column_text][/vc_column][vc_column offset="vc_col-lg-4 vc_col-md-4"][vc_column_text]Corporate Risk ManagementKeyman Insurance, Buy and Sell Agreement for Business Partners. Employee Benefit Packages, Group Health Insurance.[vc_empty_space height="16px"][/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1621837022735{padding-top: 98px !important;background-color: #ffffff !important;}" z_index=""][vc_column][vc_column_text]
Latest Posts
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The best investment you can make is in yourself. Empower yourself with the knowledge first before putting your money somewhere else.
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                            Does the New CMEPA Law Tax Your Savings? Here’s the Real Deal
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                            Why Your Trusted Life Insurance Company Should Be Number One in the Industry
                            Your future needs a reliable partner who can take care of your family for you when the time comes....
                            
                                                                    
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                            How to Get Out of Debt: A Simple Guide to Managing Your Money and Achieving Financial Freedom
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[vc_empty_space height="64px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="center" background_image_as_pattern="without_pattern" z_index="" css=".vc_custom_1621836998186{background-color: #ffffff !important;}"][vc_column][vc_column_text]SEE ALL ARTICLES[vc_empty_space height="80px"][/vc_column_text][/vc_column][/vc_row][vc_row row_type="parallax" parallax_content_width="in_grid" text_align="center" full_screen_section_height="no" css=".vc_custom_1619659270744{background-color: #f9f9f9 !important;}"][vc_column css=".vc_custom_1492080627802{padding-top: 98px !important;padding-bottom: 156px !important;}"][vc_column_text]
Watch our Videos
[/vc_column_text][vc_empty_space height="24px"][vc_column_text]Everything you need to know about Finance in one Minute [/vc_column_text][vc_empty_space height="67px"][vc_column_text]

	
	
		
			
				
									
                    
                
							

			
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How the Process Works
[/vc_column_text][vc_empty_space height="24px"][vc_column_text]Each person has different goals and capacity to grow their wealth. Our certified advisors are here to help you navigate financial planning so you can make an informed decision.[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="center" background_image_as_pattern="without_pattern" css=".vc_custom_1492075454527{padding-bottom: 122px !important;background-color: #ffffff !important;}"][vc_column][vc_column_text]
	
		
	
					
				
					
						
					
				
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				Financial Goal Consultation			
				
	
	
	
					
				
					
						
					
				
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				Risk Analysis and Assessment			
				
	
	
	
					
				
					
						
					
				
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				Package Customization			
				
	
	
	
					
				
					
						
					
				
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				Policy Approval and Assistance			
				
	
		
[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_column_text]Start planning for your financial goals now.BOOK FREE CONSULTATION[/vc_column_text][/vc_column][/vc_row]

#### Life Insurance
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Life Insurance
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Protect Your Future From Life's Uncertainties
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Designed to achieve financial security, Sun Life provides you affordable life insurance protection plans that can help take care of your family’s needs no matter what happens.
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Packages
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        SUN Smarter Life Classic    

    
        
        
    

    
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SUN Smarter Life Classic is a protection plan that provides double life insurance coverage throughout your lifetime. It also offers living benefits that you can use in case of emergencies or immediate need for cash.
Benefits of SUN Smarter Life Classic:

 	Life insurance coverage

Make a smart move and ensure your family’s future no matter what happens. This product provides life insurance coverage equal to double the Face Amount from Day 1 until you reach 100.
Enhance your plan with the addition of riders or supplemental benefits which provide added protection for contingencies such as accidents, disability and illnesses.


 	Living benefits

Use your policy as an alternative source of funds in case of emergencies or immediate need for cash. Instead of borrowing from various financial institutions or giving up your priced possessions in exchange of money, you may use your guaranteed cash value and avail a policy loan. A portion of your coverage may also be given in advance in case of a terminal illness.
What’s more, the non-guaranteed dividends which your policy may earn can be availed as a cash benefit that can be used to pay future premiums or purchase additional coverage. Dividends can also be left to accumulate.


 	Flexible premium payments

Make payment more convenient depending on your goals. Pay regular or you can opt for a shorter guaranteed payment period of 5 or 10 years only.
You may choose to pay your premiums annually, semi-annually or quarterly. Monthly payment through Auto-Debit or Auto-Charge may also be arranged after payment of the initial quarterly premium.
[/vc_column_text]    

	    
        SUN Safer Life    

    
        
        
    

    
        [vc_column_text]


SUN Safer Life is a simple and affordable life insurance plan that is ideal for first-time insurance buyers and budget-conscious family breadwinners. It is designed to provide maximum coverage so that you can be sure that the financial needs of your loved ones will still be met should anything happen to you.
Benefits of SUN Safer Life:

 	Life insurance coverage at a minimal cost

Enjoy a maximum life insurance coverage equal to twice the Face Amount, at a cost that is more affordable than most permanent life insurance products.
You may add a supplemental benefits or riders to provide additional protection for contingencies such as accidents and disability.


 	Longer protection

Your coverage automatically renews every five years without evidence of insurability up to age 75 with premiums adjusted based on the Insured’s attained age upon renewal.


 	Hassle-free conversion

Opt to convert your coverage to any eligible life or investment-linked insurance product prior to the policy anniversary on or following the insured’s age 65. Any additional benefit contained in the original policy may be included in the new policy if premiums are payable for life. Upon conversion, you will enjoy the same protection from the new product while payment terms and other benefits may vary, based on the new product selected.


 	Flexible payment modes

Make payment more convenient depending on your goals. You may choose to pay your regular premiums annually, semi-annually or quarterly. Monthly payment through Auto-Debit or Auto-Charge may also be arranged after payment of the initial quarterly premium.






[/vc_column_text]    

	    
        SUN Startup    

    
        
        
    

    
        [vc_column_text]
Sun StartUp is a life insurance plan that provides protection for at least 10 years and gives back a portion of your total payment if you outlive the 10-year coverage period. It’s a good choice for first-time insurance buyers who want something simple, affordable, and hassle-free in application.
 

Benefits of Sun StartUp:

 	Affordable life insurance plan

Get started with a life insurance plan that protects you for 10 years. With an amount that’s easy on the pocket, you can secure your loved ones’ future and ensure they can still fulfill the dreams you have planned together.
You may also add a supplementary benefit or rider to provide additional protection for contingency such as accidents.


 	Money back feature

With the plan’s “money back feature”, you can get a portion of your money back based on the total premiums paid after 10 years.
 
NOTE: Benefits indicated above are subject to the specific guidelines set by Sun Life and the actual provisions of the insurance policy contract.[/vc_column_text]    
[/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_empty_space height="100px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1621845575282{background-color: #d5b273 !important;}" z_index=""][vc_column]Interested in learning more about our Life Insurance Packages?BOOK FREE CONSULT[/vc_column][/vc_row]

#### Our clients
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Our annual report
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Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="256" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="257" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][/vc_row][vc_row row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css_animation="" css=".vc_custom_1456152320649{padding-bottom: 88px !important;}"][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="256" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="257" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="254" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][vc_column width="1/2" offset="vc_col-lg-3 vc_col-md-3 vc_col-xs-12"][vc_single_image image="255" img_size="full" qode_css_animation=""][vc_separator type="transparent" thickness="0" up="41" down="0"][vc_column_text]
Our annual report
[/vc_column_text][vc_separator type="transparent" thickness="0" up="23" down="0"][vc_column_text]Sometimes the simplest things are the hardest to find. So we created.[/vc_column_text][vc_separator type="transparent" thickness="0" up="53" down="0"][/vc_column][/vc_row][vc_row row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css_animation="" css=".vc_custom_1467647503158{padding-top: 51px !important;padding-bottom: 51px !important;background-color: #4c87ca !important;}"][vc_column][/vc_column][/vc_row]

#### Pet Insurance Philippines
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Pet Insurance Philippines
[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column][vc_empty_space height="80px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column width="1/2"][vc_column_text el_class="malayan_text_1"]
Malayan Insurance created Pet Care Insurance to provide protection for you and your precious pets!
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Malayan offers pet insurance Philippines for protection and peace of mind, not just for the pet owner but for the fur baby as well.
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Product Features
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        1 | Medical Reimbursement    

    
        
        
    

    
        [vc_column_text]Pet owners who availed of this pet insurance Philippines will be reimbursed for medical expenses necessarily incurred to treat or diagnose the Insured Pet as a result of a covered illness or due to accident (up to Php 100,000).

 

• Cruciate Ligament Injury
• Burial Assistance[/vc_column_text][vc_empty_space height="40px"][vc_column_text]Medical Reimbursement covers the following:

 

• Laboratory Tests
• X-ray, Ultrasound, MRI and CT scan
• Surgery
• Hospitalization & Medication (Prescribed by Vet)
• Extraction of Permanent Broken Teeth due to Accident
• Burial Assistance (Due to Euthanasia*)
• Cost of Veterinarian’ Professional Fees & Charges[/vc_column_text]    

	

	    
        2 | Owner’s Liability    

    
        
        
    

    
        [vc_column_text]
Malayan will pay for actual or any damages and costs (up to Php 100,000) incurred for any legal liabilities to third party due to the actions of the Insured Pet.
[/vc_column_text]    

	

	    
        3 | Owner’s Personal Accident    

    
        
        
    

    
        [vc_column_text]
Covers the Pet Owner up to Php 50,000 in the event of loss of life, disablement and dismemberment as a direct result of a unforeseen and violent event arising within the policy period.
[/vc_column_text][vc_empty_space height="40px"][vc_column_text]• 3-in-1 Insurance Plan
• Two Annual Plans
• Covers 6 months to 8 yrs. old
• Up to Php 100,000.00 Insurance Limits[/vc_column_text][vc_empty_space height="40px"][vc_single_image image="16607" img_size="700x700" alignment="center" style="vc_box_border" qode_css_animation=""]    
[/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="grid" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column width="1/2"][vc_empty_space height="50px"][vc_column_text]
Application for the following dogs are accepted:
[/vc_column_text][vc_empty_space height="30px"][vc_column_text]
• Dogs aged six (6) months to eight (8) years old.
• Vaccinated dogs (schedule of vaccinations must be based on the prescribed schedule of Philippine Animal Hospital Association (PAHA).
• Dogs with yearly physical examination and have necessary check-ups and treatments recommended by a veterinarian to prevent illness/injury
[/vc_column_text][/vc_column][vc_column width="1/2"][vc_empty_space height="50px"][vc_column_text]
The following shall NOT be accepted:
[/vc_column_text][vc_empty_space height="30px"][vc_column_text]
• Stunt Dogs
• Dogs for Police, Military or Security Services
• Dogs raised and used for fighting
• Dogs raised and used for sports
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REQUIREMENTS FOR PET INSURANCE PHILIPPINES APPLICATION

[/vc_column_text][vc_empty_space height="30px"][vc_column_text]• Duly accomplished application form
• Photo of the Pet[/vc_column_text][/vc_column][vc_column width="1/2"][vc_empty_space height="50px"][vc_column_text]
OPTIONAL REQUIREMENTS FOR PET INSURANCE PHILIPPINES APPLICATION, BUT SHALL BE REQUIRED IN CASE OF CLAIMS
[/vc_column_text][vc_empty_space height="30px"][vc_column_text]
• Pet Baby Book/ Veterinarian Record
• Veterinarian’s Certification on the insured Pet’s Health
• Pedigree Certificate (If any)
[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_empty_space height="50px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1699938532539{background-color: #d5b273 !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}" z_index=""][vc_column]Book a consultation today to get expert advice on your dog's health and well-being.Get a Quote[/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" z_index=""][vc_column width="1/2"][vc_empty_space height="130px"][vc_single_image image="16645" img_size="large" alignment="center" style="vc_box_outline_circle_2" qode_css_animation=""][/vc_column][vc_column width="1/2" css=".vc_custom_1700528393254{padding-right: 60px !important;padding-left: 50px !important;background-color: #f5f5f5 !important;}"][vc_empty_space height="50px"][vc_column_text]

 

 Your Name
 

 Your Email
 

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 Your Message
 

[/vc_column_text][vc_empty_space height="50px"][/vc_column][/vc_row]

#### Privacy Policy
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Privacy Policy
 
Last updated: May 20, 2022
This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.
We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.
 
Interpretation and Definitions
 
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of this Privacy Policy:
Account means a unique account created for You to access our Service or parts of our Service.
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Finance in a Minute .
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: Philippines
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Third-party Social Media Service refers to any website or any social network website through which a User can log in or create an account to use the Service.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Finance in a Minute , accessible from Financeinaminute.com
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
 
Collecting and Using Your Personal Data
 
Types of Data Collected
 
Personal Data
While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:
Email address
First name and last name
Usage Data
Usage Data
Usage Data is collected automatically when using the Service.
Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.
We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.
Information from Third-Party Social Media Services
The Company allows You to create an account and log in to use the Service through the following Third-party Social Media Services:

Google
Facebook
Twitter
LinkedIn

If You decide to register through or otherwise grant us access to a Third-Party Social Media Service, We may collect Personal data that is already associated with Your Third-Party Social Media Service's account, such as Your name, Your email address, Your activities or Your contact list associated with that account.
You may also have the option of sharing additional information with the Company through Your Third-Party Social Media Service's account. If You choose to provide such information and Personal Data, during registration or otherwise, You are giving the Company permission to use, share, and store it in a manner consistent with this Privacy Policy.
Tracking Technologies and Cookies
We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:
Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Flash Cookies. Certain features of our Service may use local stored objects (or Flash Cookies) to collect and store information about Your preferences or Your activity on our Service. Flash Cookies are not managed by the same browser settings as those used for Browser Cookies. For more information on how You can delete Flash Cookies, please read "Where can I change the settings for disabling, or deleting local shared objects?" available at https://helpx.adobe.com/flash-player/kb/disable-local-shared-objects-flash.html#main_Where_can_I_change_the_settings_for_disabling__or_deleting_local_shared_objects_
Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser. Learn more about cookies: Cookies by PrivacyPolicies Generator.
We use both Session and Persistent Cookies for the purposes set out below:
Necessary / Essential Cookies
Type: Session Cookies
Administered by: Us
Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies
Type: Persistent Cookies
Administered by: Us
Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.
For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.
 
Use of Your Personal Data
 
The Company may use Personal Data for the following purposes:
To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.
We may share Your personal information in the following situations:
With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Company assets, financing, or acquisition of all or a portion of Our business to another company.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside. If You interact with other users or register through a Third-Party Social Media Service, Your contacts on the Third-Party Social Media Service may see Your name, profile, pictures and description of Your activity. Similarly, other users will be able to view descriptions of Your activity, communicate with You and view Your profile.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.
 
Retention of Your Personal Data
The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.
The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.
 
Transfer of Your Personal Data
Your information, including Personal Data, is processed at the Company's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.
Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.
The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.
 
Disclosure of Your Personal Data
Business Transactions
If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.
Law enforcement
Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
Other legal requirements
The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

 
Security of Your Personal Data
The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.
 
Children's Privacy
Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.
If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.
 
Links to Other Websites
Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site You visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
 
Changes to this Privacy Policy
We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.
We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
 
Contact Us
If you have any questions about this Privacy Policy, You can contact us:
By email: Financeinaminute@gmail.com
By visiting this page on our website: Financeinaminute
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#### Products
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Our Products
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For Individuals
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Life Insurance  for Income Continuation 
 
Protect Your Future From Life's Uncertainties
Designed to achieve financial security, Sun Life provides you affordable life insurance protection plans that can help take care of your family’s needs no matter what happens.
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Educational Plan
 
Secure a Brighter Future for Your Child
Fund the dreams of your child, empowering and enabling him to fulfill his aspirations.
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Life Insurance for your Retirement Needs 
 
Enjoy an Inspired, Financially-free Retirement


With the rising cost of elderly care, gone are the days when pension can cover our retirement needs. Sun Life offers life insurance plans that provide peace of mind and enable you to build a fund for your golden years.


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Life Insurance for Estate Preservation 
 
Passing Your Wealth to the Next Generation


Wealth transfer and preservation is not just for the rich. It is essential for anyone who wants to ensure that their loved ones benefit from their inheritance and not burdened by it. Sun Life offers a variety of life insurance plans that ensure your legacy is passed on to your beneficiaries hassle-free, securing their future even when you’re gone.


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Life Insurance for preparing for milestones  
 
Have Peace of Mind While You Aim for Your Life Goals




Nowadays, a lot of financial solutions can get you to your goals in life. However, Sun Life offers you a better solution. Through its life insurance and investment-linked insurance plans, you can grow your money as well as secure the future of your family no matter what happens, helping you reach the dreams you have planned together.




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Supplemental Health Protection Products  
 
Live life to the fullest while protecting your health and wealth




Life is brighter when your health and wealth is well taken care of. Sun Life’s health protection plans are here to make this possible by providing you the best care should an illness strike, allowing you to live a full and brighter life with your loved ones.




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Pooled Funds for the Conservative, Moderate and Aggressive Investors

 
Partnering with Sun Life for a Brighter Future




As Filipinos, we are hardworking and resourceful with our money. This makes investing a viable opportunity to build and grow wealth for our financial goals. In Sun Life, we have created easy and accessible investments with the right mix of funds for every risk profile. Whether you are budget conscious or seeking to maximize your earning potential, we have investment options to help grow your financial nest.




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Travel Insurance

 
Worry-free, fully covered travel insurance
Whether you are traveling for business or pleasure, our Travelsafe Insurance Plans are designed to cover the unexpected and give you peace of mind so you can have a worry-free trip.
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Health Insurance

 
Medical expenses is a savings drainer! Protect your income from unexpected medical bills with our health insurance packages.
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Peso Health Insurance Plans for age 0 - 100  (Subtitle)
 
Select (age 0-65) 
A peso plan that allows no-cash-outlay medical treatment using our accredited hospitals or swift reimbursement of medical expenses up to PHP 1,500,000 for each disability per lifetime or aggregate per year.
 
LifeStyle (21-40) 
A medical plan designed for the young age market (for new business clients age 21 to 35), with hospitalization benefits up to PHP 250,000. LifeStyle also offers Out-Patient Benefit (including Dermatologic services), Personal Accident Benefit, plus special treats for a well-balanced lifestyle.
Peso Plans for age 66- 100 
 
Premier (66 -100) 
A Peso plan for Senior Citizens (66 years old and above). Maximum coverage is up to PHP 1.5 million for each disability per lifetime.
 
Dollar Health Insurance Plans for 0-100 (Subtitle)
 
Blue Royale (0-65) 
Blue Royale gives you the peace of mind that comes from knowing that you have the right people on your side in the event of a crisis. Our commitment to excellence and service coupled with our unmatched benefits make Blue Royale the best choice for you!
 
Blue Royale Premier (66-100) 
A worldwide Dollar plan specifically designed for senior citizens that offers complete freedom of choice for the best medical care.
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Pet Insurance
 
Protect Your Furry Friend, Hassle-Free.
Protection and peace of mind, not just for the pet owner but for the fur baby as well..
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For Businesses
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GROUP HEALTH BC Flexi Access and BC Flexi Access Plus
 
BC Flexi Access
Provides a comprehensive and customizable range of healthcare benefits for a company or group with at least twenty (20) employees.
 
BC Flexi Access Plus
Our recommended value-packed healthcare benefits for small (at least 3 employees) and medium-sized (at least 10 employees) businesses with a maximum of 50 employees.
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Group Life Insurance for your Organizations Needs

 
Partnering with Sun Life for a Brighter Future
Contrary to popular belief, life insurance is affordable to every Filipino who wants to protect their future. Through group life insurance, Sun Life can help companies and organizations provide affordable life insurance to their members.
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[/vc_column_text][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern"][vc_column][vc_empty_space height="100px"][/vc_column][/vc_row][vc_row css_animation="" row_type="row" use_row_as_full_screen_section="no" type="full_width" angled_section="no" text_align="left" background_image_as_pattern="without_pattern" css=".vc_custom_1621845575282{background-color: #d5b273 !important;}" z_index=""][vc_column]Interested in learning more about our packages?BOOK FREE CONSULT[/vc_column][/vc_row]

#### Social Icons
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Social Icons Shortcode
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Carefully crafted elements come together into one amazing design.
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PARALLAX WITH SOCIAL ICONS
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Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean.
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#### Testimonials
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Client Testimonials
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I got Pacific Cross select plus insurance from Johanna for me and my family. Just 4 months since we started, one of us caught a virus and was hospitalized..good thing viral, bacterial and infectious diseases are covered during the first year! We got to claim 500k and we just paid below 19k for our insurance. Thank you Johanna for always being prompt in answering our queries and for helping us with our claim.
 
Lace Tan, 2022
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Johanna is a one of a kind Financial Advisor, an FA who have a passion and genuine care for her clients. She deep dives on client needs, educates and presents prize of being financially independent beyond the monetary values that resulted in a goal driven and tailored fit policies for our Family.
 
She monitors us from time to time, recommends to tweak our policies as necessary and lastly, she is really approachable for questions. These are the many reasons why we keep recommending Johanna to our colleagues and friends.
 
Van Weisson Arroyo
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I have known Johanna and have worked with her since 2009. She is highly responsive, always professional, efficient, kind and patient. We have worked through many issues that have come up and our communication was always fluid and clear. Johanna always made things very easy for me.
 
She guided me through the various products available and presented the best option for me – one that suited my financing and investment needs. Even when I was reluctant, she would always find the right words to calm my fears and help me make that important decision.
 
I’ve always believed that passion, knowledge and a genuine interest in achieving the best for clients is what truly makes a professional Financial Adviser. Johanna has this and more. It is very heartwarming to work with an adviser who is truly interested in their clients’ needs, circumstances and preference. What impresses me most is her taking the time to understand my situation and feeling of where I was at…how far I could go. I’ve always felt like she knew the whole picture and if anything happened to me now, I know my family would be looked after. Thank you Johanna for being a friend, a confidant and my Financial Adviser!
 
Amy Lee Gotianse-Erni
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I met Ate Johanna in 2015 and that time I was disappointed with a relative of mine who mishandled my insurance policy. I never thought that I would trust another financial advisor ever again but God is good that I was able entrust my first ever insurance policy with Ate Johanna under Sunlife.
 
She was able to introduce me to the world of investment via mutual funds because inflation is inevitable, the value of setting aside emergency funds of at least 6-12 months, securing a memorial plan, the power of generating other sources of income and the importance of discernment. At this date, I already have 3 insurance policies, 1 VUL, 1 Term insurance, 1 Health insurance plus a memorial plan and HMO for added protection.
 
As someone who knew her for a long time, I have so much confidence to tell everyone that she is not a fly by night financial advisor who would only promote products for her personal gain but instead values her clients, treats them as if they are also her family hence works smart and hard far beyond what is expected.
 
Bottomline is, she deserves the blessings that she has right now. If you are looking for a respectable financial advisor to entrust your financial journey, then choose none other than her. Thank you for your lifelong commitment and support! God Bless you always
 
Clarissa Angelique Pasamba
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Johanna has been my financial advisor for 25 years now and she would still be in touch whenever its my due date or just to say hello. She was always reliable, never late, a guiding hand in all things financial. She has taken care of my insurance, my memorial plan, home insurance, travel insurance and health insurance. I have no hesitation letting her take care of us because I know she will be there, just a call away. What's more, my experience with her makes me very confident referring her to family and friends.
 
Check Say
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