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, and I’m truly excited to be part of your financial journey as a Sunlife Financial advisor. I chose this path because I believe that everyone deserves to feel confident and secure about their financial future. One of my main reasons for becoming a Sunlife Financial Advisor is my desire to become more financially literate and share what I learn with everyone. I believe that informed financial decisions can make a significant impact on their lives. For me, it’s not just about the money or the plans; it’s really about helping people like you reach your goals and protect what matters most in your life.
Building a Secure Financial Future
My services offer tailored solutions to help you meet your needs and achieve your financial goals.
Emergency Fund
Money for expenses arising from the onset of sudden emergencies
Income Protection
Money to protect you and your family against life's unforseen events
Education Fund
Money to provide the best quality education for your children
Savings for Milestones
Money to fuel future dreams such as car, dream vacation or business
Health Protection
Money to cover medical expenses related to accident, critical illness, hospitalisation or long-term care
Retirement Fund
Money to provide you with a comfortable retirement in your golden years
Estate Transfer Fund
Money to leave behind for your loved ones, your chosen charity or foundation
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.
✽ What Financial Securities I Offer
Discover your choices for
Financial Securities
Life Insurance
Ensure financial security for your loved ones when you're gone with life insurance policies that replace income, support retirement, aid estate transfers, and may include health and critical illness coverage.
Insurance + Investment
Insurance with investment components offers life coverage and the chance to grow your savings.
Insurance as Collateral
Leverage life insurance as collateral with your creditor or lenders.
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.
Most policies have a grace period. If payments aren’t resumed, coverage may eventually lapse.
