Matapang ang may Life Insurance

Here are some of my memorable activities last 2010:

1. traveled Sagada alone (with cave connection)
2. explored and crossed the borders of Vietnam and Cambodia alone
3. climbed Mt.Pulag, the 3rd highest peak in Pinas (where the temp drops to zero degrees)
4. braved the waves just to reach Calaguas (with no lifevest)
5. experienced expert course rafting and the longest dual zipline
6. enjoyed parasailing and reefwalking
7. jumped into the 100 feet deep Barracuda Lake (with no lifevest)


Buwis buhay I know!
But what's life without taking chances? No one gets out of here alive anyway.
Might as well risk more and enjoy more! ^_^


Since I know I'll be doing more risky travels this year, I got myself another life insurance (aside from the one that my employer provides). This one's got a better coverage.


the blogger is insured ^_^


If I die (anywhere), my family gets P1,000,000 right away.
If I die by accident (anywhere), they get P1,500,000 right away.
If I acquired some critical illness, I'll get P500,000 right away.
(wala akong disability benefit kasi hindi naniniwala si ate Judith (Mama ko) na madidisable ako.. haha!)


Right after I enrolled myself, I..

1. explored Batad - where Julia Campbell was murdered. Not to mention I trekked the riskiest waterfall trail. whew!
2. scuba dive in Balicasag. very risky especially for someone like me who has a lung defect. I needed to lie just to be permitted to dive.


Im positive nothing would go wrong, but in case there might - insured ako. =)


But of course, I want to be the beneficiary myself. Gusto ko ako makinabang sa pera! Good thing, all the payments Ive made have fund values. So anytime I need the money, I can withdraw the interest + dividends that my money has earned. Lovely! This is a good investment and a good way to save up for a dream vacation in the future!


I choose Sunlife.

Sabi ni Mama, Sunlife is both an insurance and investment company. It has the highest stock market value among its competitors. The higher the stock value, the higher the earnings of your money. Check the daily broadsheets to compare.


Sensha na, Im no Business Admin graduate. Engineering Math lang ang alam ko. But all know is Im insured while my money is earning at the same time. Just exactly what I needed. ^_^

Just sharing. It's not a sponsored post. Wish ko lang! haha
btw, I got this life insurance together with Nina of Justwandering.org. we both look forward to our money's earnings (hello Antarctica in the future! Ü)

64 responses:

Chyng said...

get yourself insured too. mag-invest ka naman sa sarili mo! =)

Allen said...

I'm insured too! Pero sa Transamerica ako. haha.

Im valued at 8.8M. hahahaha.

Apir! Matapang ang insured. lmao :DDD

Ivan said...

grabe tlga.. asteeg.. idol..

marxtermind said...

Nice Chyng! Sana magkaroon na din ako g insurance ko! Hehehe!

danda said...

Like! Haha! :)

Chyng said...

ALLEN,

ang mahal ng insurance mo! di ko afford yan! haha

docgelo said...

it appears like endorser ka na din ngayon ng life insurance; nakanang, kahanay nila piolo ha...
iba ka chyng!

ps: we're meeting rob tomorrow now, actually fetching him from the airport. kayo kailan punta ng penang? libre nyo ko ha. :D

docgelo said...

beryl's chocolate from rob? naks naman, ako nga din makapagpabili sa kanya, haha!

mozilla said...

hi ms. chyng, mozilla here, same here, i just got an insurance for myself, dahil isa akong gala...hahaha! i got VUL of Sunlife, i know a lot of people doesn't believe in Insurance but I, myself believe in this one, kung magloko man ang Sunlife, (but Sunlife is Sunlife!) iniisip ko na lang ginamit ko yung perang pinambayad ko sa panggala ko...inisip ko na lang na sumugal ako...hehehe!

kaya malakas na ang loob ko na lalong gumala....hehehe!

khantotantra said...

naks, insured ka na chyng. pero syempre, ingat-ingat pa din sa travel. :D

Chyng said...

apir MOZILLA! cant agree more! =)

mozilla said...

dagdag ko lang po ms. chyng, tama ka po, Sunlife is one of the highest price among its competitors particularly Manulife (kahit ito mahal pa rin) ...it is one of the expensive stocks sa PSE, OMG!

Diamond R said...

Yan ang maganda pag insured.SA mga insured lang take time to know the policy and have your family knows what to do. Insurance Policy have rules to disqualify you from claims.like late ka lang magsumbit ng mga documents na kailangan nila.

lakwatserong tatay said...

wow...ako hindi pa insured kelangan ko na pala nyan....sa erpats sunlife din.....maganda nga diyan...ano bang klase ung plan nyo ms. chyng.....^_^..

Kat said...

I have one too. too bad it's not like yours na pwede i-withdraw yung money any time I decide I no longer want to continue. Lam mo naman pag kamag-anak ang nag-bebenta..mahirap tanggihan :p I just think of it as my time deposit para sa aking future European trip LOL

empi said...

Wow! Tama ka.... mag-invest para sa sarili. :)

Anonymous said...

How much po binabayaran niyo per month sa insurance niyo?

canonista said...

Totoo! It is so good to be insured! Ako may 5 years to pay na lang ako sa Life Insurance ko, Manulife naman yung akin. Planning to get another investment na rin.

Mr. Chan said...

Gusto ko din yan Chyng! hehehe

bulakbolero.sg said...

Ganda sa balicasag!

kelan nga punta mo dito chyng?

Karen said...

"Matapang ang may life insurance" Parang trademark line mo na yan Ms Chyng! Love it!

Pero tama, basta may insurance, go lang ng go!

tina said...

hahaha! I am actually meeting later my sunlife advisor :) whew! para mkpg-buwis buhay moves na din ako! hahaha :)

rome said...

Good thing the insurance has a cash value. you could loan on it also.

kg said...

alam mo chyng, my parents always told me they didn't believe in insurance. but when my mom died, i was surprised because she had one pala, with us her kids as her beneficiaries. ok din pala! he he! insurance has evloved through the years...

mas mahal pala pag aksidente ang pagkamatay mo ano? he he!

Kate said...

I'm insured too! I have RCBC and Manulife. I am thinking of getting Sunlife when I finish paying for my Manulife... 2 years to go! :)

witsandnuts said...

I commend you for taking this. Really a must!

xall percé said...

Still, be careful Chyng. So that you can go to more places. And besides, mahirap kapag hindi natuluyan basta basta.

Manila Girl said...

Never knew there was such a thing as "fund value" for insurance policies. Sasabihin ko pa naman sana, "ikaw na ang selfless!" Hehe. :-)

XOXORSTEEN said...

aww good to know u're insured in sun life ate.. im also a policy holder of sunlife..mabuhay ang may sunlife..hehe!

Photo Cache said...

very mature decision yan chyng. redi ka na sa pinaka RISKY na adventure in life - pwede ka ng mag-asawa!!!!!!

Ang Babaeng Lakwatsera said...

Chyng kahit insured ka na.. lagi ka padin mag iingat sa mga lakwatsahan mo huh..

Aimee said...

Hey Chyng! Glad to know you bought insurance as most Filipinos I know don't have one.

I don't want to burst your bubble, however, I'd like to emphasize that for life insurance, "it also does not cover death resulting from risky activities that the insured person puts themselves into willingly. For example, compensation will not be made for death resulting from parachuting, sky diving and risky sports like mountain climbing or deep sea diving."

Life insurance (such as yours in Sunlife) doesn't cover accidents outside the home country. Since you travel outside of the Philippines too, I suggest you get Travel insurance, just for the number of days you are on travel in a foreign land.

I love your blog by the way. Keep up the good work!

Bisous bisous.

Chyng said...

^ thanks for that Aimee. I double checked with my agent about this risky activities that I sometimes do. As long as hindi ko naman daw job ang scuba diving and parachuting, Im still covered.

there is a RATED case too. you'll add some more to cover the risky activities if ever you are really prone to that.

you point is interesting. thanks for dropping by. =)

Chyng said...

thanks all!
again, I dont wanna die. i want to save up while being insured. mag-iingat ako ng bongga as always!

Ed said...

thanks for sharing this chyng, it's nice to know these things from fellow travelers! :D

kill3rfill3r said...

Dahil dito babayaran ko na ang insurance ko (due date pala bukas :D). Try mo rin akyatin Taraw Cliff sa El Nido - life changing climb to.hehe http://bit.ly/g7bQcH

lakwatsera de Primera said...

Dahil sa post na to, yan ang una kong gagawin pagbalik ko ng OZ, para todo ang living life to the fullest :)

Jakey Junkie The Bunny said...

Meron kayang insurance for a broken heart? :D :D

Darwin said...

akala ko sponsored post!hehehe

well said chyng!

gillboard said...

that's nice. ako, funeral plan pa lang meron ako. hehehe

Lloyd said...

Kailangan ko pa kaya ng insurance..e tagaytay lang pinaka malayo ko nararating..hehehe. Laki pala ng makukuha (ngiti na parang kontrabida sa teleserye).

gillboard said...

that's nice. ako, funeral plan pa lang meron ako. hehehe

Pinay Travel Junkie said...

Never pa ako nagpa-insure. Which is kinda weird kasi sa dad side namin, puro life insurers sila :) Siguro will apply someday soon, especially may Luna na kami! Or maybe we should compose a last will already, kasi kung anu-ano pinaggagawa namin. Haha.

pusang kalye said...

wala akong ka-insu-insurance. mukha atang I( need to get more into these life threatening activities para mapilitan akong kumuha ng life insurance, hahaha.

BTW: about Pinatubo, we stayed safe--bus kami. :D

Sidney said...

Honestly...the best insurance is to be prudent in life. Do the things that you like but don't be irresponsible in what you do.
Nobody cares about the 1.5M if you die. Especially if you don't have kids.
A good health and travel insurance is much better.

And never forget... insurance companies are always eager to get your payments... but when something happens than they will always find a clause/excuse not to pay.

dong ho said...

pwede mo ba kaming i-declare na family? hahaha... this is really good. dapat ata kukuha talaga ako nito.

blissfulguro said...

eto ang wala ako...hmmm...magkano monthly?hehe

Pinoy Boy Journals said...

this insurance company should hire you. unbelievable post. i actually thought this post was sponsored. and the best part is, for us travelers, we need this. Good Job!!! I love this post!!!

pusang kalye said...

pssst--PM mo ko kung magkanu monthly dali.:D

Dorm Boy said...

Hmmm i am glad you are insured. I also got mine kaya minsan puro lakwatsa at thrill seeking ako hehehe! same din tau ng insurance company. Mabait kasi ung agent ko... she is now my financial adviser.

Theonoski said...

for the win! astig ang mga adventure mo chyng!

Arvin U. de la Peña said...

ibang klase ka talaga..wala kang katulad..

Umi said...

Sana may ganyan din ako. Hahaha. Tama ka, matapang nga pag insured. Pero kahit mapera na ang pamilya mo, ang downside naman dun, hindi mo naman siya maeenjoy kasi tepok ka na. Hehe. :D

prinsesamusang said...

nakakainggit ka chyng! so much fun! but i wish you will not need to use that insurance, hehe

markpogi said...

Ako din, magpapa-insure na. Mahirap kung sa SSS lang aasa XD.

Malditang "Kura"cha said...

Ako naman memorial plan ang gusto kong kunin. Kinukulit nako ni mader. Hindi naman sa gusto niya ko mauna no pero siyempre tama lang naman na hindi sila ma-stress pag may masamang nangyari sakin. Mura lang naman. Kesa naman ang bangkay ko ang murahin. hahaha!

Nice investment nga yung sayo. Masaya pa ko sa company insurance. Hihihi! Take care lang kasi lagi. Wag masyadong risky. Hinay hinay lang.. May bukas pa friend.

Liza said...

Hi chyng, na-curious ako, anong type po ng insurance yan sa sunlife para sana mag research ako. thank you and more power! )

chinchanlakwatsero said...

now i have reason to get one . thanks for sharing . =)

Christian | Lakad Pilipinas said...

Kelangan may insurance talaga? hahaha =P

Chris aka C2 said...

I should say "Matapang ang walang lovelife" based on... kwento ng ibang kaibigan ko na mahilig sa ganyang trip

Teeyah. said...

I have the same feeling about travel insurance. I am never afraid of getting delayed due to storms/tornadoes etc and not afraid to get sick in other countries because of it.

Same feeling with health insurance :)


Oh and I am from Sun Life :) It truly is heartwarming reading posts like these. I am glad to be part of a company that does difference in the lives of Filipinos.


BTW, we currently have a promo for Sun Life clients (actually, non-clients can join, too) for two tickets to Cirque du Soleil. You can submit this entry here: http://www.experiencethesun.com.ph/

Sha-Sha said...

yes, it truly is heartwarming to read all the comments...I'm also a Sun Life Financial Advisor and an advocate of helping people become financially literate...it gave me peace of mind when my husband-to- be got his first life insurance 17 years ago... kelangan may commercial ka na rin like Papa P hehe:)

Sha-Sha said...

hey I just saw your "bali" story in GMA news...sikat:)

garrydc said...

Very true Chyng. I also feel what you felt the first time I got my Life Insurance from SunLife.

Sana nga lahat ng blogger especially those that earns thru blogging will also learn to invest.

If you want more info about Investments / Life Insurance or tips and tricks in getting one, try checking this site

http://financialplanningph.com

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