Important Notice and
Benefits Disclaimer

Last updated: July 14, 2025

Yellow Umbrella is the personal brand of Roanne Klarence Serapio Perez, a licensed financial advisor under Sun Life of Canada (Philippines), Inc. This platform was created to help Filipinos better understand financial concepts and insurance options through simplified, educational content. However, it is important to clarify the following:

1. Informational Purposes Only

All posts, videos, and materials shared under Yellow Umbrella—whether through this website, social media channels, or messaging platforms—are intended to provide general information about the features of insurance products offered by Sun Life of Canada Philippines. These are not substitutes for official documentation, contractual terms, or personalized advice from Sun Life itself.

2. Not an Official Sun Life Page

Yellow Umbrella is not affiliated with, endorsed by, or officially representing Sun Life of Canada Philippines as a corporate entity. It is simply a personal brand used by Roanne Klarence Serapio Perez to educate, inform, and connect with individuals online. The views and content presented on this platform do not necessarily reflect those of Sun Life.

For official product brochures, terms, and Sun Life’s corporate materials, please visit the official website at https://www.sunlife.com.ph.

3. Subject to Official Policy Contracts

Any features or benefits mentioned in our content — such as coverage amounts, riders, dividends, payouts, bonuses, or claim processes — are governed by the actual insurance policy contract issued by Sun Life of Canada Philippines. Specific product details, availability, and eligibility may vary based on:

▪ Age, health, or underwriting approval
▪ Chosen product or plan variant
▪ Payment mode and frequency
▪ Policy anniversary and bonus eligibility criteria
▪ Riders added or excluded

🟨 Disclaimer: Benefits referenced are subject to the specific guidelines set by Sun Life of Canada Philippines and the actual provisions of the insurance policy contract.

4. Accuracy and Updates

We make every effort to ensure the content shared by Yellow Umbrella is accurate and timely. However, insurance products, promotions, and regulations are subject to change. While Roanne Klarence Serapio Perez is a licensed financial advisor, only the latest Sun Life materials and official proposals should be relied on for final decisions. Always request a formal policy illustration for accurate and personalized details.

5. No Guarantees or Promises

Examples or stories shared—such as estimated returns, life event scenarios, or benefit illustrations—are for educational and illustrative purposes only. These do not represent guaranteed results and should not be interpreted as a promise of specific performance or financial outcome. All policies are subject to underwriting and individual qualification.

6. For Personalized Guidance

Each person’s insurance needs are unique. To make the best decision for your personal and financial goals, we encourage you to book a free consultation with Roanne Klarence Serapio Perez. During this session, a full explanation of your options will be provided, along with a formal proposal and documentation from Sun Life of Canada Philippines.

7. Communication and Misinterpretation

We recognize that social media formats — such as Reels, stories, or short posts — may sometimes omit full policy details due to space limitations. For full clarity and transparency, please do not rely solely on captions or highlights. Always ask for a copy of the official product brochure or policy contract.

8. No Sale is Final Without Proper Documentation

No insurance plan is considered valid or in force unless the full application process is completed, payment is made, and a formal policy contract from Sun Life of Canada Philippines is issued. Yellow Umbrella does not process applications directly; all official forms, proposals, and payments are handled through Sun Life’s authorized platforms and personnel.

Final Reminder

Yellow Umbrella is a brand created to support Roanne Klarence Serapio Perez’s mission of educating and empowering Filipinos in their financial journey. It is not a replacement for Sun Life of Canada Philippines, nor does it function as an insurance company. Always rely on official Sun Life materials and consult a licensed financial advisor before making any financial decisions.

If you have any questions or need clarification, feel free to contact us through the official channels listed on this site.

Thank you for your trust.