Sun Secure Income
Guaranteed income you can count on for life
Life insurance paired with guaranteed yearly cash benefits, so you build a dependable income stream while your family stays protected.
- Retirement planning
- Future income
- Long-term savings
FINANCIAL ADVISOR · SUN LIFE PHILIPPINES
Protecting what matters most
Financial security, planned with warmth and without pressure.
I am Ruth Abestilla. I help individuals and families protect their income, their health, and the future they are working so hard to build.
Helping Filipino families protect what matters most.
- 7-time
- Medallion Awardee for consistent service
- Grand Slam
- Awardee, advisor level, 2024
- Macaulay
- Awardee with Sun Life Philippines
- Nationwide
- Online and face to face, wherever you are
The first conversation is free, unhurried, and never a sales pitch. We simply look at where you are, and you decide what happens next.
RECOGNIZED FOR CONSISTENCY
Awards are milestones. Peace of mind is the point.
Grand Slam Awardee, 2024
President's Club recognition
Momentous awards night
Monthly Champions Awardee
MY STORY
I became a financial advisor because I have seen how quickly life can change.
While my journey as a financial advisor began with Sun Life, my approach to serving people has been shaped by more than 25 years of experience in sales.
One principle has guided me throughout my career: I always try to put myself in my client’s shoes.
If I were making this decision for my own family, what would I want to know? What questions would I ask? What would make me feel confident instead of pressured?
That mindset continues to guide every conversation I have today. I believe financial planning should begin with listening, understanding, and helping you make informed decisions, not with selling a product.
Why clients choose PlanWithRuth
- No pressure
- Personalized planning
- Long-term support
- Honest explanation
THE PART NOBODY PLANS FOR
One illness should not undo a lifetime of hard work.
Most families are one hospital admission away from a hole they never budgeted for. The bill itself is rarely the hardest part. What comes after it is.
The income pauses
Whether it is a salary, a business, or a remittance from abroad, the money the household runs on stops arriving on the very week the expenses grow.
The savings absorb it first
The emergency fund goes, then the fund set aside for school, then the one meant for retirement. It usually takes months, not years.
Then the borrowing begins
A loan from family, then from anywhere. The interest tends to outrun the recovery, and the debt outlives the illness itself.
And plans get quietly shelved
The house, the tuition, the retirement that was on track. No one announces it. It simply stops being possible.
This is not bad luck. It is an open gap, and a gap can be closed gently while you are still well enough to qualify.
HOW WE BEGIN
Three unhurried steps, with no pressure at any of them.
Book a free 45 minute consultation
Reach out on Messenger or by message and we find a time that suits you, online or in person. Bring your questions, including the ones you think are too simple to ask.
We look at your real situation together
What you earn, who depends on you, and what your employer, SSS, or existing coverage already handles. Honest numbers, explained in plain language.
You decide, in your own time
If a plan fits, I size it to your budget rather than the other way around. If nothing fits yet, I will tell you that too, and you leave with a clearer head.
I reply personally, usually within a day. Whatever you share with me stays between us.
PRODUCTS AND SOLUTIONS
Named for what they protect, not for the fine print.
Every solution below is a Sun Life plan. Which one fits you depends on your goals, not on a price list, and we work that out together.
Sun Fit and Well Advantage
Health protection against serious illness
Comprehensive coverage for over one hundred critical illnesses, with health and wellness benefits, so treatment never has to be funded by selling something.
- Health protection
- Medical security
- Family protection
Sun MaxiPrime
Protection and investment, working together
A variable life plan that protects your family and grows your money at the same time, pointed at a goal you can actually name.
- Wealth building
- Estate planning
- Family protection
Sun Life OFW Health Protect
Health and retirement, built for life abroad
A dedicated plan for overseas Filipinos that covers over one hundred critical illnesses and prepares for a comfortable retirement back home.
- OFWs and seafarers
- Critical illness
- Retirement
MY MISSION
To help families build confidence, protect their future, and find lasting security, one meaningful conversation at a time.
Because the best financial plans begin by understanding people before recommending solutions.
I believe financial planning should never feel overwhelming or pushy. It should feel like sitting down with someone who genuinely wants to understand your life before recommending anything at all.
My greatest reward is not an award on a shelf. It is a family that finally sleeps well, knowing they are protected.
MY PHILOSOPHY
For more than 25 years in sales, one principle has never changed.
I always put myself in my client’s shoes.
Before recommending anything, I ask myself:
If this were my own family, what would I honestly recommend?
That is why every conversation begins with listening, not selling.
No pressure.
No rush.
Just thoughtful guidance to help you make the best decision for your future.
Ruth Abestilla
WHY WORK WITH ME
The kind of guidance that stays with you.
Warm and client-centered
We begin with your life and your goals, never with a product I am trying to sell.
Tailored to your goals
Your plan is sized to your budget and your priorities, not to a template.
Guidance without pressure
Clear explanations, honest answers, and all the time you need to decide.
A long-term partnership
I am here after the paperwork too, for reviews, questions, and claims.
Informed decisions
You will understand exactly what you own and why, before you sign anything.
ACHIEVEMENTS
Recognized by Sun Life, grateful to my clients.
A few milestones from my first years as an advisor. They matter to me because each one reflects families who chose to plan with purpose.
- 7-time Medallion Awardee
- Grand Slam Awardee, 2024
- Macaulay Awardee
- President's Club recognition
REAL CONVERSATIONS
The work, as it actually looks.
Not stock photos. A few of the people who trusted me with their plans, shared with their kind permission.
WHAT MY CLIENTS VALUE
The words I am most proud of.
Shared with permission by clients I have had the privilege to plan with.
Ruth explained everything clearly and patiently. I never once felt rushed or pressured into anything.
She genuinely cares about our family's future. It never felt like a transaction, it felt like she was one of us.
She made financial planning easy to understand. For the first time, I actually know what I own and why.
The questions people are often too polite to ask
Is insurance just money I will never see again?
It is a fair question, and the honest answer depends on the plan. Pure protection is a cost, like car insurance, and it is the cheapest way to cover a large risk. Other plans, like Sun Secure Income or Sun MaxiPrime, build value you can use while you are alive, and many pay out for critical illness long before anything else. In our first conversation I will show you which one your situation actually calls for, and sometimes the answer is the simpler plan.
How much will it cost me each month?
There is no single figure, because a good plan is sized to your income and to who depends on you, not to a price list. What I will not do is quote a number before I understand your situation. Bring the amount you are comfortable setting aside, and we will work backwards from what you can carry for years without resenting it.
I already have coverage through work. Is that enough?
It is a real benefit and worth understanding. It is also tied to your job. If you resign, get retrenched, or retire, it usually ends with your last payslip, and it rarely covers your family at the level your income does. We will look at exactly what your HMO and group coverage include, then decide together whether you need anything of your own on top.
Am I too young, or is it too late for me?
If you are earning and someone depends on you, it is the right time. If you are young and healthy, it is the cheapest and easiest you will ever be to insure. What changes with age is not whether you can start, but what it costs and what the insurer will accept, which is exactly why starting while you are well matters.
What if I am not ready to buy anything?
Then you do not buy anything. Plenty of people leave our first conversation with a clearer plan, a list of what to sort out first, and no policy at all. That is a good outcome. I would rather be the advisor you trust in three years than the one who pushed you in the first week.
Do we have to meet in person?
Only if you want to. I meet clients across Laguna, Cavite, Batangas, Quezon, and Metro Manila in person, and I work with families and OFWs anywhere through video calls at a time that fits your schedule. The paperwork can be handled digitally either way.
LET'S BEGIN
Let's build your financial future together.
Every financial journey starts with a single conversation. Protect your loved ones, build toward your goals, and find real peace of mind.
Protecting what matters most
Chat with Ruth on Messenger
The fastest way to reach me. I reply personally, usually within a day.
or
- Mobile0917 807 7486
- Emailruth.abestilla@yahoo.com
- FacebookRuth Bermudez Abestilla
- Based inSanta Rosa, Laguna, Philippines