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You too can protect yourself from the lingering uncertainties by getting a VUL policy. Some terms are technical in nature that an ordinary person cannot understand without the help of a Licensed Financial Advisor. A personal meeting is strongly recommended.  No pressure nor obligation on your part will be imposed upon appointment. You may not like it and it is perfectly fine with me. You can reach me thru  0917-775-8352 or e-mail me at federico.suan@gmail.com or at my official e-mail via federico.l.suanjr@sunlife.com.ph