Most Filipino breadwinners work hard every day - but very few are financially prepared for the moment a major illness changes everything.
"Paano na ang pamilya ko?"
15–30 minutes · Personalized · No pressure
You work hard. You provide. Every day you show up for your family because you love them and because they depend on you.
But somewhere in the back of your mind, there's a question you don't like to think about:
"Paano kung magkasakit ako bigla?"
"Paano kung hindi na ako makapagtrabaho ng matagal?"
"Sino ang mag-aalaga sa pamilya ko kung wala na ako?"
"Ayokong maging pabigat - o mas malala, mag-iwan ng utang."
These aren't irrational fears. Cancer, stroke, and heart attacks don't wait until we're ready. And when they hit without any financial preparation in place, the burden doesn't just fall on you - it falls on the people you love most.
The painful truth? Most Filipino families only start looking for solutions after a crisis has already happened. By then, their options are limited - and the financial damage is already done.
What if you didn't have to worry about "what if"? What if your family's future was protected - not because nothing bad will ever happen, but because you planned ahead before it did?
Families who are financially prepared for a health crisis don't just survive it. They get through it without wiping out their savings, without going into debt, and without their children's futures being put on hold.
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A family I worked with faced hospital expenses worth millions of pesos during a critical illness. It was one of the hardest seasons of their lives - but because they had protection in place, they never had to worry about how to pay.
They received financial support that let them focus entirely on healing. Their savings were intact. Their children's education wasn't touched.
The difference wasn't luck. The difference was one decision they made before the crisis happened.
That's why I offer a free consultation - not to sell you something, but to help you understand your options while you still have all of them available.
I grew up in a humble family and started working young. I know firsthand what it feels like when money is tight and there's no safety net.
That's exactly why I became passionate about helping Filipino families prepare financially - before a crisis forces them to.
Since 2018, I've helped more than 376 clients understand their options for health coverage, critical illness protection, and life insurance. My goal is simple: help you make an informed decision, at your own pace, with zero pressure.
In just 15–30 minutes, we'll sit down together (online or face-to-face) and go through everything you need to understand your options:
Your family's current situation and what matters most to you
Your financial goals and health protection needs
Available options that fit your budget - no one-size-fits-all
How critical illness coverage actually works and what it covers
A review of any existing insurance you already have - and whether there are gaps
Book your slot
Pick a time that works - online or face-to-face, your call.
Share your situation
We talk about your family, goals, and what you currently have in place.
Share your situation
You'll understand your options and know exactly what makes sense for you.
"Kahit may mangyaring hindi inaasahan, may plano kami."
A health crisis won't wipe out everything we've saved.
"Hindi kami lulubog sa utang dahil sa medical bills."
My family is protected - and I made that happen.
"May naiwan akong maayos para sa pamilya ko."
I have a plan in place - before a crisis forces me to.
No. The consultation is completely free with zero obligation. You're there to get clarity - nothing more.
Yes. Both online and face-to-face options are available. Whichever is more comfortable for you.
HMO covers hospitalization, but most plans have limits. Critical illness coverage is different - it gives you a lump-sum benefit when you're diagnosed, which covers income loss, recovery costs, and more. Let's review what you already have so you know exactly where you stand.
That's exactly what the consultation is for. We'll look at options that fit your actual financial situation - not a generic plan.
Anyone who has people depending on them - parents, breadwinners, professionals, business owners. If losing your income even temporarily would affect your family, this conversation is worth having.
You don't need to make a decision today. You just need to understand your options - while you still have all of them.
15–30 minutes · Free · No obligation
Online or face-to-face
Mary Ann Tolentino · Sun Life Financial Advisor
Since 2018