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@sara1985 Since you do not have any dependents yet, though term insurance is cheaper, I suggest getting an HMO and/or Health insurance to cover for hospitalization expenses and critical illness expenses. You are correct on your strategy of waiting for a replacement before cancelling your...

@marenity Hello, anong klase ng insurance sana ung kukunin mo, maybe I can provide another hopefully a better option

@shawnmark Concern lang ako sa change of developer, may previous post kasi na hindi nahonor ung ownership ng mga homeowners sa isang subdivision. Dalawa kcng developer/owner ang nagclaclaim ng lupa. After ilang years nagbabayad mga buyers duon sa isang developer, nadecide ng court na duon pala...

@shawnmark Have you checked if maayos din papers ng bagong developer? Given the place have a lot of issues baka madouble lang gastos and sakit ng ulo niyo duon pa rin kayo kukuha.

@aacorn Hello OP, para malamalan kung maganda ung policy sa kukunin, better macompare muna siya sa similar offers like Axa Health and AIA Critical Protect 100. Yang dalawa ang closest sa Fit and Well, if after comparing Sun Fit & Well napili mo then that is the right one for you.

@christianflies Annual renewal premium is when you pay the full premium once every year. Modal premium is when you pay in installment so given the amount, 4,855 is when you pay semi annually or twice a year.

@tuur Yes, you can ask the FA to request the result of the assessment from Underwriting. However, they might only release it after you acquired the insurance but you can still try. Yes, other companies provide standard (normal) rating with Critical Illness coverage can still be given to...

@whiteflight99 Hello OP, what is the name of the actual product?

@jas3 Hello OP, unfortunately life insurance lang meron sa government. No HMO or health insurance so it is still advisable to get one from a private institutiom.

@resjudicata I always suggest getting a health insurance first. Una, very affordable pa habang bata while still healthy. Second, pinakamabilis din siyang tumaas ang premium compared to other insurances, unlike life or accident insurance na di gaano kalaki oagtaas habang tumatanda. Maganda...