VUL Insurance Explained: Is It Right for You in 2026?
VUL insurance gets strong opinions from every direction. Here's a clear, honest look at how it actually works, the real criticisms, and…
Insurance Planning
Insurance Planning
Practical articles on estate planning, succession, retirement, and corporate advisory in the Philippines — written by CPA and CTEP® Sarah Songalia.
Health Insurance vs HMO Philippines: 5 Differences Families Should Know
Many Filipino families assume their HMO card from work is the same thing as health insurance, and only discover the difference when…
Life Insurance for Young Professionals Philippines: A Starter Guide
If you’re in your 20s or early 30s and just starting your career, life insurance might feel like something to worry about…
HMO Philippines Coverage: Is Yours Still Enough for Your Family?
If your employer enrolled you in a health plan years ago and you haven’t looked at it since, the middle of the…
HMO Philippines: Do You Still Need One If You Already Have Life Insurance?
If your employer provides an HMO Philippines card, it’s easy to assume your health coverage is handled and move on to other…
Term vs Whole Life Insurance in the Philippines: Which One Actually Fits Your Budget?
Ask five different people about term vs whole life insurance and you’ll likely get five different opinions — usually delivered with surprising…