Insights

When we talk about financial planning, we usually think about savings, investments, retirement, or our children’s education. But there is another risk that can affect almost every financial goal we have: our health. The Philippine Statistics Authority recently released its provisional data on the leading causes of death in the Philippines for January to February…

You earn enough to pay the bills. May car payment. May magandang phone. Nakakakain sa labas paminsan-minsan. Nakakapag-travel kapag may budget. Maybe you’re even starting to build savings. So natural, you might say: “Okay naman kami. Comfortable naman.” And maybe you are. But there’s an important difference between being financially comfortable today and being financially…

For many people, ₱5 million is not just savings. It may be part of retirement money, business profits, proceeds from a property sale, inheritance, or simply accumulated wealth that they do not want to expose to unnecessary risk. The usual question is: Where can I place this money if I want predictable cash flow, capital…

Your health and confidence deserve attention, too. Through Pru Life UK’s partnership with Shinagawa, eligible Pru Life UK customers, licensed agents, and existing employees can access special discounts on selected vision, aesthetic, and diagnostic services. The offer is available from 1 June to 31 December 2026, subject to the program’s eligibility requirements, participating services, and…

Insurance can feel complicated partly because there are so many terms. Whole life. Term insurance. VUL. Riders. Fire insurance. Personal accident. HMO. Prepaid health cards. Bonds. If you are just starting to review your financial protection, it is easy to wonder: What does each one actually mean—and what is it designed to protect? A useful…

When people hear “life insurance,” many immediately think about one thing: Money for the family when someone dies. That is one important purpose. But life insurance and related protection products can play a much wider role in financial planning. Sometimes, the bigger question is not only: “What will happen to my family when I’m gone?”…

We insure many of the things we worked hard to buy. Your car may have insurance. Your house may be insured. You might protect your motorcycle, your phone, or even valuable jewelry. And that makes sense. These things cost money to repair or replace. But there is something even more important that many people forget…

Not sure who needs to hear this, but: Your family should not have to fundraise for your funeral. Losing someone is already difficult enough. The people you leave behind should not also have to immediately ask: How do we pay for the funeral? Who will cover the memorial expenses? Where will the money come from?…

A common question people ask is: “When should I get life insurance?” Many people think the answer is: “When I get married.” “When I have children.” “When I buy a house.” “When I start earning more.” Those are all moments when life insurance can become more important. But there is another answer worth thinking about:…

Getting married changes more than your relationship status. Before marriage, many financial decisions are mainly personal. How much should I save? What can I afford? What happens if I lose my income? What goals do I want to achieve? But once you get married, those questions slowly become different. What happens to us? You are…