Author: DJ Villaluna
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Is Insurance Expensive? The Real Cost of Critical Illness
Think insurance is expensive? Discover how hospital bills, recovery costs, and lost income can affect your family—and why ₱100 a day is worth considering.
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₱100 a Day for Critical Illness Protection: Why It Can Matter
Can setting aside around ₱100 a day help protect your family from the financial impact of critical illness? Learn why planning before a diagnosis matters.
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Pru Life UK Marks 30 Years in the Philippines | 2026 News
Pru Life UK marks 30 years in the Philippines, highlighting protection, financial education, health partnerships, community programs, and solutions for Filipino families.
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Your Insurance Agent Is No Longer Active—What Happens to Your Policy?
You bought a life insurance policy years ago. At the time, you had an adviser helping you understand the plan, reminding you about payments, answering questions, and assisting whenever you needed something. But years passed. Maybe you changed jobs. Your priorities changed. You stopped checking the policy regularly. And somewhere along the way, your original…
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“What’s In It for Me?” — Are Insurance, HMO, Memorial Plans, and Business Protection Really Worth Paying For?
A common question from business owners, professionals, and even accountants is: “What if I keep paying for insurance, HMO, memorial plans, or employee accident coverage—and I never claim anything?” Does that mean the money was wasted? Not necessarily. From an accounting and business perspective, the value of protection is not only measured by how much…
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Insurance Works Best When You Prepare Before You Need It
Most people start thinking seriously about insurance when something changes. A medical diagnosis. A growing family. A new financial responsibility. Or the realization that someone depends on their income. The problem is that insurance is usually easiest to arrange before those risks become immediate. That is where the idea of anti-selection, also called adverse selection,…
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Pru Life UK Relaunches PRULove Wealth Direct With ₱50,000 One-Time Premium
Pru Life UK has relaunched PRULove Wealth Direct for a limited time, offering Filipinos another option for combining savings and life insurance protection in one plan. According to a recent PhilSTAR Life feature published on September 2, 2026, the product is available with a one-time single premium of ₱50,000, making it accessible to customers who…
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How Young Should You Start Preparing for Retirement?
Most people think retirement planning is something you do when you are older. But the better question is: How many working years do you really have to prepare for the years when you may no longer be able—or willing—to work? That changes the way you look at retirement. Because the risk is not only dying…
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Legally Separated? Your Life Insurance Rights May Not End There
When couples become legally separated, many assume that all financial ties automatically end. But when it comes to life insurance, that is not always the case. Under Philippine law, legal separation does not dissolve the marriage bond. The spouses may live separately, but they remain legally married. That creates a few important life insurance implications.…
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The Two-Year Incontestability Clause in Life Insurance
One reason some Filipinos hesitate to trust life insurance is simple: “What if I pay for years, then the insurance company still finds a reason not to pay?” That is why the two-year incontestability rule is important to understand. Under Section 48 of the Insurance Code, once a life insurance policy has been in force…