4 Reasons Why You Should NOT Get A Life Insurance Policy

Saturday, September 26, 2015
Life insurance is a big waste of money. 

I mean, come on! Why would you pay for something that can manage to take care of your family even when you're already gone, right? 

Who wants to get a life insurance policy just so their family could survive and maintain their lifestyle even when God calls them already? 

At least kapag nagweekend holiday ka sa Boracay, ma-eenjoy ng family nyo yung pera for 3 days. 

E yung life insurance, matutulungan lang naman nito ang family mo for a minimum of 5-10 years survival (minimum), diba?

Sayang lang yan sa pera. 

(READ MORE: A Beginner's Guide to VULs)

Why shouldn't you get life insurance? Here are 4 of the major reasons. Don't get life insurance because: 

1. Because it's super duper expensive.

Don't get life insurance, because it's extremely expensive. You can't afford to shell out P1,500 or P2,000 or P3,000 monthly, right? 

It's not on your budget because it's far too high. Only Filipino trillionaires can get it! Look how expensive it is:

[Financially Free Filipino] Dandin Fresno

Monday, September 21, 2015
The Wise Living's advocacy? 

Finance: Money management, investing, and financial consultations :) 

Freedom: Travelling, lifestyle and events 

Fulfillment: Giving back to the community and to organizations who are close to my heart.

And our vision statement? Financially free Filipinos, one family at a time.

It is because of this advocacy that I decided to dedicate a series on featuring my own clients - ordinary Filipinos who are committed to achieving extraordinary feats for their families' future: a financially free lifestyle. 

In today's blog post, we'll be talking to Dandin, a professor from Quezon City Polytechnic University and his lovely family, Vanessa and Daniel.

1. What's your idea of financial freedom? 

"Well, financial freedom for me is more than just acquiring a lot of money, or getting rich. 

It is our ability to do what we want to do without worrying for tomorrow's expenses or obligations. 

It is a state of being debt-free and with established emergency fund that is why if you want to have a vacation or you want to buy something like car or property, you will not worry that you will run out of funds in the future."

2. Why did you get life insurance - what motivated you to start? 

"The reason why I acquired life insurance is because of the uncertainty of the future.

I don't want to leave my family with no money to sustain their living if ever bad things happened to me. 

I want to ensure their future so that if the good Lord will take me, they can still live and sustain their needs." 

3. If you could give an advise to your younger self, what would it be? 

"I think the only advise I would give to my younger self is that he needs to invest the soonest possible time, the younger the better, while premiums are lower." 

And also if you're younger, your money has more time to grow and accummulate earnings, so you can get a higher value :) - Lianne 


Are you protecting your family, or are you living life recklessly?


Get started with your very own VUL account right away: please fill out this form so you can start investing.  
—–Want to:
- get FREE life insurance proposal – to financially protect your family;
- get FREE VUL proposal – to financially protect your family and invest to make your money work for you so you can reach your target goal;
- open a mutual fund account – to make your money grow and increase in value over time?

Let me help you. Simply fill out this form. 

—–Want to get started managing your money/budgeting/investing?
Contact me, your trusted financial advisor, through the following: 
Email: liannemarthamlaroya@gmail.com or liannemartha.m.laroya@sunlife.com.ph
Twitter: @MsLianneLaroya
Mobile: 0906 243 5059

We can even meet personally for a FREE financial planning session! Let me know so we can finalize a schedule that works. No obligation to do anything – except maybe share what you learned with your friends! 

[Wise Money Tip of the Month] 3 Tips to Start and Finish Your Christmas Shopping Early

Thursday, September 17, 2015
When it comes to shopping and giving Christmas gifts, no one can beat Pinoys.

What if I told you that there's a sure-fire way to help you plan, budget for and actually purchase Christmas gifts - without draining all your bank account savings and without all the hassle and stress of the holiday? 

After all, financial freedom isn't about depriving yourself of life's luxuries.

It's also not about splurging on every little thing you see and hold. 

Financial freedom is a balance of enjoying today and preparing for tomorrow. 

A little something set aside today is better than nothing.

Live in the present while preparing for the future by following these early Christmas shopping tips today: 

3 Pocket-Friendly Ways to Reduce Stress in Your Life

Friday, September 11, 2015
You've experienced it, time and time again. 

Maybe it's because all your debts are piling up and your salary seems to be getting smaller and smaller each day...

Or your boss just can't seem to be satisfied with any presentation that you do and all your work colleagues don't like you...

Or perhaps you've been meeting potential clients all throughout the week and yet no one seems interested enough to even reply to a follow-up text that you sent. 

Whatever form of representation chronic stress plays in your life, its effects are universal to everyone of us: 

Courtesy of MayoClinic
Just yesterday, I've been experiencing stressful situations also. It's overwhelming and it made me feel powerless because most significantly speaking, stress attacks the mind. 

It makes you anxious. It makes you think of thoughts that are not even grounded in reality. It deprives you of positivity and plans negative and oftentimes, absurd thoughts that are not even real.

How did I deal with stress?

Usually by ordering unhealthy fast food, binge-watching or mercilessly punching/biting my pillow. 

But NOT today. 


Today's going to be the day that I'll grab stress by its neck, whisper to it "I have control of myself. I may not control how stress comes about, but I can control how I react to it!" and cut off its head. 

But I don't want to blow off my budget, of course, so what do I do? 

These pocket-friendly tips significantly reduced my stress levels. I hope they do the same for you too: