The right plan is the one that fits your life.

It is a fair question, and the honest answer depends on the plan. Pure protection is a cost, like car insurance, and it is the cheapest way to cover a large risk. Other plans, like Sun Secure Income or Sun MaxiPrime, build value you can use while you are alive, and many pay out for critical illness long before anything else. In our first conversation I will show you which one your situation actually calls for, and sometimes the answer is the simpler plan.

There is no single figure, because a good plan is sized to your income and to who depends on you, not to a price list. What I will not do is quote a number before I understand your situation. Bring the amount you are comfortable setting aside, and we will work backwards from what you can carry for years without resenting it.

It is a real benefit and worth understanding. It is also tied to your job. If you resign, get retrenched, or retire, it usually ends with your last payslip, and it rarely covers your family at the level your income does. We will look at exactly what your HMO and group coverage include, then decide together whether you need anything of your own on top.

If you are earning and someone depends on you, it is the right time. If you are young and healthy, it is the cheapest and easiest you will ever be to insure. What changes with age is not whether you can start, but what it costs and what the insurer will accept, which is exactly why starting while you are well matters.

Then you do not buy anything. Plenty of people leave our first conversation with a clearer plan, a list of what to sort out first, and no policy at all. That is a good outcome. I would rather be the advisor you trust in three years than the one who pushed you in the first week.

Only if you want to. I meet clients across Laguna, Cavite, Batangas, Quezon, and Metro Manila in person, and I work with families and OFWs anywhere through video calls at a time that fits your schedule. The paperwork can be handled digitally either way.