Every family and every income is different. Below is an overview of what we offer, who it's usually for, and what to ask before you sign anything. Tap a service to expand it.
Life insurance replaces your income for the people who depend on it if you pass away. There are two main types available in the Philippines:
Pure protection for a fixed period (e.g., 10, 20 years). No savings or investment component, which makes it the most affordable way to get a large amount of coverage.
Combines life insurance with an investment component in equity or bond funds. Part of your premium goes to insurance charges, part to investment.
Breadwinners, parents with young children, anyone with a mortgage or debt that shouldn't fall on their family, and OFWs supporting relatives back home.
Estimate how much coverage you need →PhilHealth covers only a portion of hospital costs. A private health insurance or HMO plan fills that gap, covering room and board, doctor's fees, and sometimes outpatient consultations and medicines.
An HMO plan is typically annual, employer-linked, and network-based (you use accredited hospitals/clinics). Health insurance is often longer-term, may include cash benefits, and can sometimes be used at a wider range of providers, subject to policy terms.
Freelancers and self-employed workers without employer HMO coverage, families wanting to supplement PhilHealth, and anyone concerned about the rising cost of hospitalization.
CTPL (Compulsory Third-Party Liability) is required by law for vehicle registration in the Philippines. It covers third-party bodily injury or death, but not your own vehicle's damage.
Comprehensive motor insurance is optional but covers your own vehicle's damage, plus theft, fire, and natural disasters like flood important given the country's typhoon exposure.
Any vehicle owner (CTPL is mandatory); comprehensive is especially worth it for newer vehicles, financed vehicles, or those driven in flood-prone areas.
These plans combine disciplined, scheduled savings with a life insurance component, so your child's education fund is protected even if something happens to the paying parent along the way.
Parents planning years ahead for tuition, and anyone who wants forced, structured saving toward a specific future goal.
Provides a cash benefit for accidental injury, disability, or death usually at a lower premium than life insurance, since it covers accidents specifically rather than all causes.
Manual laborers, drivers, field workers, athletes, and anyone wanting an affordable first layer of protection while building up other coverage.
Covers business property (fire, theft, natural disaster), liability, and group health/life insurance for employees. Some plans also cover "key person" risk the financial impact if a critical owner or employee is suddenly unable to work.
Small and medium business owners, especially those with a physical shop, warehouse, or equipment, and those with employees who rely on them for benefits.
SSS and GSIS pensions are rarely enough to maintain your lifestyle in retirement. Retirement-focused insurance and investment plans help you build an additional income stream for later in life.
Anyone 10+ years from retirement who wants to supplement government pension income, and self-employed individuals without an employer retirement plan.
That's exactly what the free consultation is for. Let's figure it out together.