Whether you’re an overseas Filipino worker (OFW) striving for a better future abroad to build a good life for your loved ones back home, a family-oriented individual,  an avid Pinoy  adventurous biker, or cat or dog  lover, 

an NGO, school, or a company of any size - having the right insurance coverage in the Philippines is a MUST. 

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Here is a simple step-by-step guide to make sure you find the perfect insurance to match your unique needs.

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Step 1: Recognize the need for having insurance

Having insurance provides you with the peace of mind for those unexpected events that life may bring. Especially in the Philippines where the general cost of living, healthcare, and housing continue to rise, the right insurance is definitely going to come in handy. Once you’ve recognized the need for this safety net in the form of insurance, the next question to ask yourself is this: “What is best for my needs, my budget, and my lifestyle?”

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Step 2: Navigate your options with an insurance broker

This is where an insurance brokerage comes in to help. The insurance industry in the Philippines can be confusing and overwhelming, especially because there are ways

 too many policies and insurance providers that offer different coverages–not that it’s a bad thing. But for someone new to insurance, it can be complicated to sift through all of what’s available. Going to an insurance brokerage in the Philippines helps to lift the weight off your shoulders because they are experts,  knowledgeable about the insurance trends and patterns, allowing you  to filter your options in line with your preferences and ultimately go through this search for security with ease. They also have deep relationships with different carriers and can negotiate the best deal for you, versus going directly and potentially be treated as just another “Juan” on the streets.

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Step 3: Be honest about your needs and priorities

Imagine your insurance broker to be your personal shopper who acts as an intermediary between you and the many insurance providers in the Philippines. They analyze your needs, budgets, and lifestyle to match  with the perfect policy. This makes it very important that you are self-aware. You should know yourself, your goals, and your priorities so the insurance broker is able to assist and guide you through the process properly.

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Step 4: Ask when it’s unclear

The insurance brokers in the Philippines are experts in their field   , so we advise our clients and companies to not hesitate to ask and clarify if anything is  unclear.  Whether it’s the coverage, limits, exceptions - all you have to do is SPEAK UP  and we’ll aim to cut through the jargon and  complexity.  Remember: It’s the insurance broker’s mission to simplify insurance for you. So as you choose your insurance plans, whether it’s the basic home, health, motorcar, or even the specialized biker coverage,  or  OFW insurance, let assurance and security be your goal. Your future and that   of your employees and  your loved ones are worth every question, every effort, and every minute learning about the policies and their nuances.  Have the peace of mind knowing that someone’s got your back and got you covered. 

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Step 5: Regularly review your policies

Let’s face it. Life is full of twists and turns, and sometimes your insurance coverage may change. Make sure you review your policy regularly with the insurance brokerage of your choice.

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If you have other questions about how to get started on your insurance journey, we’d be very happy to help you out. Contact us now at _______________________

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