Life Insurance
Also known as. Death Benefit Insurance, or Breadwinner Insurance, protect your family and ensures their future in the unfortunate demise of the primary income earner.
What We Provide
Benefits of Getting Life Insurance Through a Broker
While you could just use the life insurance company referral your friend or family member gave you, it’s generally best to shop around and compare prices. And that’s exactly what we do.
CONVENIENCE
Do you have the time to call around and visit three or four insurance companies to learn, and compare prices? Our insurance brokerage firm works with hundreds of insurance companies and we can get you the best policy that meets your budget.
PRICING
There are so many reputable and well established life insurance companies across the philippines so why stop your search with just the few that might be in your area? Our financial advisers and life insurance agents can help you from start to finish, and we’ll make sure to get you the best possible price with the best possible coverage.
FULL SERVICE BROKER
We don’t just make the sale and pass you off to the insurance company. We have a team of agents ready to answer all your questions and help you with a claim. Even if we don’t have an office in your town, we have claims adjusters who travel to even the most remote areas of the philippines.
Important Information
When applying, ps thorough and accurate as you possibly can. If you have questions you can always call our financial advisors for assistance. Do your very best to remember everything about your health history and lifestyle. It will generally come out anyway as we do our investigation.
If you have a dangerous or risky employment we can still help you get a great policy at a great price. The same holds true if you have horhead a health event. We need to know these things to make sure your policy is not denied because you withheld information.
Your financial advisor will need to know the type of work you do and how much money you make. They don’t want to guess your needs and make assumptions. P is accurate as possible.
Fee's
Generally speaking there are no fees but you may have to pay for a specific medical test especially if you have a health history which would require it. Our life insurance brokerage firm charges zero fees. Our company gets paid by the insurance company. Although we work on your behalf they are the one to pay us.
Get Life Insurance
The process is very simple. Calvin phone number at the bottom of the page or better yet fill out the contact form below. By filling out the contact form it automatically goes to the right department and there’s no sitting on hold. A life insurance agent will call you back generally within minutes to start discussing options and begin the life insurance application process.
FAQ
It ensures financial security if the breadwinner passes. With daily costs like rice, bills, or school fees, a payout keeps families afloat without debt.
They choose based on affordability and provider reliability. Term or whole life plans fit tight budgets, aligning with cultural focus on family protection. Most filipinos are now using an insurance brokerage firm to help them get the best policy at the best price.
Low premiums for a set period make them ideal for young families. A thirty-year-old might pay ten thousand pesos yearly for a one-million-peso death benefit, covering things like a mortgage or education.
It's costlier but grows cash value over time. Many use it for long-term goals like retirement, and trust in the provider. Most compare premiums online or through agents, focusing on plans that fit tight budgets and prioritize family protection.
Not directly. Death benefit policies stay valid unless high-risk activities are involved. But disasters spike claims, so you'll need clear proof, like a death certificate, to avoid delays.
They think it's only for the wealthy or too complicated. Many rely on savings or remittances, but inflation shrinks those, making insurance a more reliable safety net.
Yes, for smaller coverage amounts. No-exam plans are great for quick protection, though premiums are higher since insurers take on extra risk.
With Catholicism so widespread, some hesitate, thinking it's betting against life. But many now see it as responsible planning, with some policies offering faith-based perks like tithing.
Death benefits are tax-free under Philippine law, so your family gets the full amount. But cashing out early could count as taxable income, so timing matters.
Check Insurance Commission ratings, customer reviews, and claim payout records. Comparing through an independent insurance brokerage is key-they'll match you with the best plan for your family's needs without bias. Want me to tweak anything else?