A Bright Future Ahead.
Let me be your trusted partner for life. Let’s work together to protect your future and create a solution based on your needs and goals!
Welcome!
I’m Zarah Mae Hernandez, a licensed Sun Life advisor, and I am happy to be on your financial journey. I've chosen this path to learn more about financial literacy and share this with everyone. Being financially literate will give you confidence and peace of mind for your financial security.
As your Sun Life advisor, I will guide you to find the right product solutions that match your needs while taking into account all your concerns. I hope that you'll find me as your advisor along the way to protecting your financial future, whatever uncertainties it may be.
Life is full of uncertainties, but the question is: how should we prepare for them?
Build a Secure Financial Future with me!
Let's protect what matters most
Love ones – Get life insurance.
Income Protection from Critical Illness – Get health insurance for yourself, your children, and even for your newborn babies (30 day-old).
Let's safeguard your business
Get keyman insurance protection.
Secure your business partnership with a Buy-Sell Agreement.
Let's secure your assets & future Liabilities
Mortgage Redemption Insurance (MRI) – Ensure your home loan is fully paid in case of unexpected events.
Insurance as Collateral – Use insurance as a financial tool to secure loans.
Let's build your financial foundation
Emergency Fund
Income Protection Fund
Education Fund
Savings for Milestone
Retirement Fund
Let's plan for your family's future & legacy
Estate Transfer Planning – Ensure a smooth transition of your assets to your heirs.
Leaving a Legacy – Build generational wealth and financial security for your loved ones.
The Concept of Life Insurance
Insurance is one important tool for financial planning that protects our future that most of us ignore and regret once an unexpected event happens in our lives. In Filipino families, a pattern of poor financial decision-making, avoidance of insurance, and reliance on family members for emergency funds creates a toxic cycle that’s hard to break. We, as your financial advisor, help and guide you on how to break this cycle.
The Right Insurer Matters
Choose an insurance company with a good history, strong finances, and a real commitment to helping you plan for the future. A good insurer protects you, helps you save, and prepares you for life’s big moments. With the right choice, you can feel at ease knowing your family is secure and your goals are within reach.
✽ What Financial Securities I Offer
Discover your choices for
Financial Securities
Life Insurance
Ensure financial security for your loved ones when you're out of the picture with life insurance policies that replace income, support retirement, aid estate transfers, and may include health and critical illness coverage.
To know more, click here to message me.
Health Insurance
Health insurance helps cover medical expenses by providing a lump sum amount, giving you financial protection and peace of mind during health emergencies, no matter which hospital you are in.
Insurance + Investment
This plan combines life protection with investment growth, allowing you to choose from different funds based on your financial goals and risk appetite while also growing your savings.
Business Insurance
Business insurance helps protect business owners from financial losses due to unexpected events such as accidents, critical illnesses, or the loss of a key person. It ensures stability and continuity by providing coverage for health protection, key employee security, and business succession planning.
Sun Life’s new product alert‼️
SUN LIFE SECURE INCOME
Sun Life Secure Income is a life protection plan that provides a 6% of your face amount guaranteed annual payout until age 100, ensuring financial security for your future goals. It offers lifetime coverage with a centenarian bonus, steady yearly income starting at Year 6, living benefits with guaranteed cash value and potential dividends, and flexible payment terms of 3, 5, 10, or 15 years.
Home for Good | Financial Package
FOR OVERSEAS FILIPINOS
Home for Good helps OFWs secure their future with smart financial plans for retirement, healthcare, and education, ensuring a stable life for their families.
Financial Products
We provide different financial solutions to fit your needs. Whether you need life insurance, full health coverage for you or your children and even newborn babies, insurance with investment, or protection for your business and important employees, we have a plan for you. We also offer options for retirement savings, education funds, estate planning, Mortgage Redemption Insurance (MRI), and other financial goals to keep you secure at every stage of life.
These are just some of our plans, but we have plenty more to fit your needs!
Reach out to me, your Sun Life Advisor, and we will assess your needs further and provide you a free quotation.
Orphan Servicing
If your Sun Life advisor is no longer with the company, I’m here to help. Feel free to reach out, and I’d be happy to assist you.
Frequently Asked Questions (FAQs)
Here are answers to the most frequently asked questions.
Insurance is a financial agreement where you pay a regular fee to an insurer in exchange for compensation in case of specific losses or damages.
Options include term, whole life, and investment-linked policies. The best choice depends on your goals and budget. Some offer guaranteed cash you can borrow, dividend earnings, and endowments that you can leave to accumulate over time.
Sun Life is the top life insurance company in the Philippines, supporting thousands of Filipino families and businesses through licensed advisors. Their plans meet the needs of every life stage, from education to retirement.
Ideally, coverage should replace income, settle debts, and provide for future needs. An advisor can help find the right amount.
Coverage typically includes natural death, accidents, and illnesses. Exclusions vary by policy.
A premium is the amount you pay for insurance coverage, and it depends on age, health, policy type, and coverage.
Yes, you can borrow against your Sun Life policy if it has a cash value.
Key Points:
- Cash Value Requirement - Only policies with a cash value, like Whole Life, Participating Life, and Universal Life policies, allow borrowing.
- Interest Charges - Loans have interest charges that will apply to the borrowed amount.
- Effect on Death Benefit -
The loan amount plus interest will reduce the death benefit for your beneficiaries.
Term insurance covers a specific period and is more affordable, but it may have higher costs if renewed later; meanwhile, whole life offers lifetime coverage, cash value, and level premiums.
Beneficiaries file a claim with the required documents, and once verified, the payout is released.
Death benefits are usually tax exempt; however, living benefits may form part of your income that may be declared taxable.
Annual reviews or updates after major life changes are recommended.
Policies have a grace period. If payments aren’t resumed, your policy will be terminated and you will lose the insurance protection.
Grace Period:
- Traditional life policies - 31 days
- VUL policies - The count will begin when the fund turns negative within the defined 31-day period.
