Peace of Mind Starts Today

Secure Your Family’s Future with

Sun Life Insurance

Your family's security shouldn't be left to chance. Take the first step toward peace of mind today.

Why Life Insurance Matters

Life is unpredictable, but your family's financial security doesn't have to be.

Sun Life Certified Financial Advisor

Hi, I'm Raf!

Your trusted Sun Life Financial Advisor who helps families and individuals secure their futures through tailored life insurance and investment solutions.

As a licensed Sun Life professional, I focus on trust, transparency, and long-term relationships—ensuring you have the right coverage to achieve peace of mind.

Identifying financial protection gaps

Creating customized plans for life insurance, retirement, and wealth growth

Simplifying complex decisions with clear, compassionate guidance

TESTIMONIALS

Satisfied Clients

"Thanks
to his guidance
"

"Rafael took the time to understand our family's unique situation and explained everything in terms we could understand. Thanks to his guidance, we now have peace of mind knowing our children's future is protected."

Maria L.

"Made the process easy"

I never thought insurance planning could be so straightforward. Rafael made the process easy and actually helped me save money while increasing my coverage."

David K.

"Solution that protects"

"As a business owner, my financial situation is complex. Rafael developed a comprehensive solution that protects both my family and my business. His ongoing support has been invaluable."

James T.

STILL hesitant?

Frequently Asked Questions

Common Questions About Life Insurance

Why do I need life insurance?

Life insurance provides financial protection for your loved ones after you're gone. It can replace lost income, cover debts and expenses, fund education, and ensure your family can maintain their standard of living.

How much life insurance do I need?

The right amount depends on your unique situation. Factors include your income, debts, future expenses (like education), and family needs. Rafael can help calculate the appropriate coverage through a detailed needs analysis.

Isn't the life insurance through my employer enough?

While workplace coverage is valuable, it's often insufficient for complete protection and typically ends if you change jobs. A personal policy ensures continuous, adequate coverage regardless of employment changes.

What's the difference between term and permanent insurance?

Term insurance provides coverage for a specific period (10, 20, 30 years) at lower initial premiums. Permanent insurance offers lifetime protection with additional features like cash value growth but at higher premiums.

Is life insurance expensive?

Many people overestimate the cost of life insurance. Premiums are based on factors like age, health, and coverage amount. Term insurance, in particular, can be very affordable—often less than your monthly streaming subscriptions for significant protection.

Get Started Today

Don’t leave your family’s future to chance. Let Sun Life help you create a secure, prosperous tomorrow.

The Cost of Waiting is Too High

Life's uncertainties shouldn't threaten your family's financial security.
With Sun Life , you'll gain both protection and peace of mind.

© 2025 Rafael Pico | All Rights Reserved.

Designed and Built by: Russel Ganiban