What this site is, and what it is not

Every insurance website has a page like this, and most of them are written to be skipped. This one is not, because half of what it says is the same thing the rest of the site says: do not act on general information, get advice about your actual situation.

This is not the official Sun Life website

This is the personal website of Rodel F. Hermogenes, an independent licensed financial advisor of Sun Life of Canada (Philippines), Inc.. It is not operated by, and does not speak for, Sun Life. The official site is sunlife.com.ph, and where anything here disagrees with the insurer’s own documents, the insurer’s documents are correct and this page is not.

Nothing here is a contract of insurance

No page on this site creates cover, and no page on it guarantees that cover will be offered to you. A policy comes into force when an application is underwritten, approved, and issued by the insurer, and premiums are paid. Not before.

Nothing here is advice about your situation

The articles, the audience pages, and the assessment are general information. They do not know your health, your obligations, or your tolerance for risk, and they are not a substitute for a conversation in which somebody actually asks. That conversation is free, and it is the entire point of this website.

Coverage, premiums, and benefits are not fixed

What you are offered, and what it costs, depends on your age, your health, your occupation, and the plan you choose. All of it is subject to underwriting and to the insurer’s approval. Any figure discussed in a session is illustrative until it appears on an issued policy.

Investment-linked plans carry investment risk

Variable unit-linked products invest, and investments can fall as well as rise. The value of the fund is not guaranteed, you can get back less than you put in, and past performance tells you nothing reliable about future performance. If an illustration shows a projected value, that projection is an assumption and not a promise.

Claims

Claims are assessed and paid by the insurer, under the terms of the policy, and not by me. What I can do is help you file one properly and chase it, which is a meaningful part of the job and one of the reasons it matters that your advisor is still around when you need them.