Preparing for life milestones

In Sickness and in Poor Health

"Late last year, my wife went for a check-up as she was experiencing heavy abnormal bleeding. The result, which came a few days after New Year’s Eve, shocked us to the highest extent. She was diagnosed with endometrial cancer at 29 years old.

From there, it was all a snowball effect. We did countless hours of doctor’s appointments, follow-up gynecological procedures, major surgery, and medications that surely ate up a huge chunk of our savings. Because of the severity of the disease, it carried that devastating potential to wipe out everything we had saved up and worked hard for in years. Critical illness was indeed a serious health matter that required huge financial obligation.

It’s worth mentioning that a year and six months prior to her sickness, she was perfectly fine and healthy. With the guidance of a former college classmate who educated her on the importance of getting critical insurance while still young, she bought a Sun Flexilink insurance plan. It’s a variable universal life (VUL) plan that had life insurance coverage with an investment component. She opted to include health riders such as protection for critical illness which includes cancer as a covered benefit.

Getting Protected Can’t Break You Apart

As a rookie financial advisor, my wife was my very first client to service. There was absolutely no way I could disappoint her. I did whatever it took to comply with the necessary requirements for critical illness claim.

Due to a two-year contestability clause, Sun Life had the right to investigate the case thoroughly. When the critical illness benefit was finally approved, we could not have been any happier that Sun Life fulfilled its promise and was not heedless to our need.

Currently, my wife is under very close monitoring for the next five years as we focus on her complete healing. Even with all these, we still feel blessed as she is currently back to work. We spend much of our time having as many dates as possible to try to live a normal life and be happy that we are still together.

Truly, preparedness and our strong will to act on our decisions equip us in times of crisis.

There’s no better time to get protected than NOW.

Dane Sacares, Cebu City

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