Who I help

While the income is strong abroad, this is the time to secure home.

You are one person, in another country, holding up a family budget. That is the whole risk, in a single sentence, and it deserves a plan.

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Three seafarers in coveralls standing on a dock in front of a cargo ship at sunset

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.

What distance does to a household

One income, no substitute at home

Nobody back home earns what you send. If the remittance pauses for a few months, the household does not simply adjust, it contracts and then it borrows.

The contract is not the plan

Coverage tied to your employment abroad usually ends with the contract, often does not follow you home, and rarely pays at the level your family lives on.

Retirement back home needs building now

The strong earning years abroad are finite. Turning them into a comfortable homecoming takes a plan started while the income is still flowing.

What changes

Sun Life OFW Health Protect is built for life abroad: coverage for over one hundred critical illnesses plus retirement benefits, so your health and your homecoming are both accounted for. Paired with Sun Secure Income, your family keeps receiving something that behaves like your remittance even if you cannot send it. We do the entire process online, across time zones, and the plan stays yours when you come home for good.

Best fit: Sun Life OFW Health Protect

Often paired with: Sun Secure Income

Questions I hear from this group

I am abroad right now. Can we still do this?

Yes. Many of the families I help are separated by an ocean and a time difference. We meet by video call at a time that fits your shift, the paperwork is handled digitally, and your beneficiaries at home can join the call if you would like them to.

What happens to the plan when my contract ends?

Nothing changes. It is your plan, not your employer's, which is exactly the difference between coverage tied to a contract and coverage tied to you.

Not quite you?

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

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