Plenty of Filipino families are insured. Fewer are covered. Six questions show you the gap between the two, with every peso of the arithmetic on screen.
Brian Estores, licensed insurance advisor with Pru Life UK
50+ families helped · ₱50M+ cover arranged
The life‑cover sum
This is the life-cover part only, the four components from my free guide, minus what is already held. The figures are the Ramos household’s: an illustration, not a real family. Put your own in and watch the gap move.
The Fit Check goes further. It adds illness and disability cover, sized from your income, so its total is larger than this one. It also shows every rounding, floor and ceiling.
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Where I stand today
Figures are mine, current as of August 2026, and I will account for any of them.
- 50+families helped to a figure
- ₱50M+life cover arranged
- Licensedby the Insurance Commission of the Philippines
- 1 carrierPru Life UK. I am tied, and I say so at the start
- AUMAssistant Unit Manager, Pru Life UK
- 2 minto your own figure, with nothing leaving your browser
Six questions, one sum
No black box. The Fit Check asks what a good advisor would ask across a table, then shows every line it adds, rounds, floors or caps. You can check it with a pencil.
Who would feel it financially if your income stopped? All of it, about half, or a share. That answer sets how much of your income the cover has to reproduce.
What you put toward them each month, and for how many more years. Monthly × 12 × years, weighted by your share of the load.
The housing loan, the business loan, the motorcycle amortisation. Debt does not die with you. It becomes a claim on your estate, which means it becomes your family’s.
Illness and disability are sized from what you earn, not what you give: about two years of income for illness, five for disability. It is the part most people leave out.
The components are added, rounded to the nearest ₱100,000, with every floor and ceiling shown. Subtract what you already hold, and what is left is the gap.
Four jobs. Most people buy one.
Insurance is four tools for four different failures. The common Philippine outcome is one savings-linked plan bought young, doing a little of each and not enough of any.
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Life cover
If you die
Pays the people you name, so nobody has to sell the house to stay afloat.
support + debt + ₱500,000 + schooling
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Critical illness
If you fall seriously ill
Pays on diagnosis, while you are very much alive and not earning.
income × 24 months
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Disability & income
If you cannot work again
You survive; your earning does not. It keeps the income coming.
income × 12 × 5 years
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Savings & education
Whatever happens
A fund that keeps building. Useful, on top of protection, never instead of it.
₱1,500,000 × each child
The sum comes first.
I’m Brian Estores, Assistant Unit Manager with Pru Life UK. Most of what I do is listen, ask the right questions, and write figures down.
The number before the product.
No plan goes in front of you until we agree what we are solving for. A recommendation with no figure behind it is a preference dressed up as advice.
“Not now” is an answer.
Sometimes the honest advice is to clear a debt first, or to wait. If so, I will say it, and you will hear nothing more from me unless you ask.
Questions people ask
Is the Fit Check going to try to sell me something?
No. It runs entirely in your browser, it asks for no email, and nothing is transmitted anywhere when you press the final button. If you want to talk afterwards there is a link, and if you don’t, close the tab and keep the number.
My number came out enormous. Am I supposed to buy all of that?
Almost certainly not, and I would be suspicious of anyone who said otherwise. The figure is what full replacement would cost. Real plans are built to a budget, and the useful conversation is about which part of the gap to close first: usually the debt and the illness cover, in that order.
I already have a policy. Is this still worth doing?
That is the best reason to do it. Subtract your existing sum assured from the figure; what is left is your actual gap. Plenty of people find they are adequately covered for death and barely covered for illness, which is worth knowing before rather than after.
Why do you ask my income if this is about my family?
Because critical illness and disability cover are sized from what you earn, not from what you give. If you are diagnosed and stop working for a year, your household loses your entire income while its expenses go up.
What does the free conversation involve?
About half an hour. We go through your figure, subtract whatever you already hold, and I show you two or three ways to close part of the difference at prices you would actually pay. You get the comparison in writing whether or not you take anything up.
Are you independent, or tied to one company?
Tied, and I would rather say so at the start. I am an Assistant Unit Manager with Pru Life UK, so the plans I can arrange are theirs. The arithmetic on this site is carrier-neutral: take your number to anyone you like and compare.
Get the number. Then decide.
Two minutes with the Fit Check tells you more than an hour with a brochure. And if you are already covered, that is the best result this site can give.
Start the Fit Check