Riza Montalbo, Sun Life Financial Advisor

Riza Montalbo, Sun Life Financial Advisor Financial Planning for your short and long term goals
Enriching Filipinos for The Better Future

💰 Looking for a way to earn passive income while keeping your money protected?With Sun Peso Maximizer ProIncome, you can...
17/06/2026

💰 Looking for a way to earn passive income while keeping your money protected?

With Sun Peso Maximizer ProIncome, you can enjoy:

☀️ 4.75% fixed annual payout for 7 years
☀️ Life insurance coverage of at least 125% of your one-time investment
☀️ Diversification through global investments
☀️ Guaranteed acceptance

Imagine receiving a fixed annual payout while preserving your capital and securing your family’s future.

Whether you’re a retiree, business owner, OFW, or simply someone looking for a smarter way to grow wealth, this could be the solution you’re looking for.

📩 Interested in finding opportunities that work for your lifestyle and goals? Message me today.



14/04/2026

If you ask a Filipino making ₱50,000 to ₱80,000 a month if they are wealthy, they will usually say, "No, but I am comfortably middle class."

They have a car loan. They go to cafes on the weekend. They have a nice smartphone.

But from a macroeconomic perspective, the Philippine middle class is an absolute illusion. Why? Because true wealth isn't measured by your car; it is measured by your safety net.

Welcome to the terror of Out-of-Pocket Healthcare.

In first-world countries (like Canada or the UK), if you get cancer or have a massive stroke, the government’s universal healthcare system absorbs the multi-million dollar blow. You get sick, you get treated, and your bank account stays intact.

In the Philippines, an unexpected medical emergency is a financial death sentence.

If a parent suddenly needs a bypass surgery, or a child requires a month in the ICU, PhilHealth only covers a fraction of the cost. The family is suddenly slammed with a ₱2 Million to ₱5 Million hospital bill.

Because we lack comprehensive universal healthcare, the so-called "middle class" is instantly wiped out. They are forced to sell their cars, mortgage their family homes, max out their credit cards, and beg for donations online.

It takes ten years of hard work, overtime, and saving to build a middle-class life in the Philippines. And it takes exactly three weeks in a private hospital ICU to completely erase it, sending the entire family back into generational poverty.

🧾 What is Sun Wealth Prime 7?Sun Wealth Prime 7 is a 7-year protection and savings plan where you make one single premiu...
13/04/2026

🧾 What is Sun Wealth Prime 7?

Sun Wealth Prime 7 is a 7-year protection and savings plan where you make one single premium payment and receive life insurance coverage plus guaranteed cash payouts every year and your money back at the end of the term.

💡 Key Benefits & Coverage

✅ Life Insurance Coverage
• Provides financial protection for your beneficiaries for 7 years.
• The death benefit is typically 110% of your single premium if death occurs after the first year (subject to specific plan terms and underwriting).
• If death occurs within the first year under the Guaranteed Insurability Offer, only the single premium may be returned (unless due to accident).

Example: If you pay ₱1,000,000 once, the life insurance payout could be around ₱1,100,000 to your beneficiaries if death happens after year 1.

💰 Guaranteed Cash Benefits
• You receive 4% of your premium every year for 7 years, starting at the end of the first policy year.
• These are guaranteed annual cash payouts — think of it as regular income or returns on your premium.

Using the ₱1M example:
• ₱40,000 payout each year × 7 years = ₱280,000 total guaranteed cash benefits.

🎓 Maturity Benefit

• At the end of 7 years, you get 100% of your single premium back — basically returning your full payment if you keep the plan until maturity.

So, using our sample: you pay ₱1,000,000 once, get 7 × ₱40,000 (₱280,000) over time, and then get your ₱1,000,000 back at year 7.

📆 Payment Terms

🧾 One-Time Payment Only
• You pay once upfront (single premium) when you take out the plan.
• No recurring monthly or annual premiums after that.

This simplifies budgeting — you invest once and then receive the guaranteed benefits throughout the term.

🤝 Other Features
• Guaranteed Acceptance Offer: You can get approval easily without complicated underwriting if you qualify under guaranteed insurability limits.
• Designed for risk-averse savers who want a predictable return and coverage, potentially better than traditional bank savings rates.

Address

Batangas City
4200

Telephone

+639096422216

Website

Alerts

Be the first to know and let us send you an email when Riza Montalbo, Sun Life Financial Advisor posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Practice

Send a message to Riza Montalbo, Sun Life Financial Advisor:

Shortcuts

Share