Half an hour. Nothing sold.

You bring your situation. I bring the arithmetic. We work out what your household would actually need, subtract what you already hold, and look at what is left. If you are already covered, that is the answer, and we stop there.

  • 30 min typical length
  • ₱0 what it costs you
  • 0 forms signed on a first call
Brian Estores, smiling, holding a Pru Life UK folder

Message me

Messenger is quickest. All three reach the same person. If I don’t pick up, I’m with someone. Text, and I’ll come back to you.

Or pick a time

Thirty minutes on my calendar, without waiting on me to reply.

The scheduler asks for a name, an email address and a time, nothing else. No payment details, and no policy or ID numbers, ever. It loads from Calendly only when you ask for it.

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What actually happens

  1. Before

    You prepare nothing

    No form, no documents. If you would rather arrive holding a number, the Fit Check takes about two minutes. Plenty of people skip it and we work it out on the call.

  2. Minutes 0–10

    Your situation, in your words

    Who would feel it financially if your income stopped. What is still owed. What you already hold. I ask; you talk; I write figures down.

  3. Minutes 10–20

    We do the subtraction out loud

    Four components give a working figure. Your existing sum assured comes off it. What is left is your gap, and you can argue with any assumption in it.

  4. Minutes 20–30

    Two or three ways to close part of it

    Not the whole gap. Usually the debt and the illness cover come first. You get the options ranked, with the trade-offs named out loud.

  5. Afterwards

    The comparison, in writing

    Whether or not you take anything up. Then nothing further from me unless you get in touch. No follow-up sequence, because I have not set one up.

Or write it out

Four fields. Pressing the button opens your own email app with the message already written; you press send there.

There is no server behind this form, no mailing list and no tracking. Please don’t include ID or policy numbers, bank details or health information. None of it is needed to arrange a conversation.