18/06/2026
Why keeping your insurance active is very important ✨
I’ve heard many stories from clients whose policies lapsed before they needed them the most. Sadly, because their policies were no longer active, they were not able to process claims when unexpected situations happened.
Just last week, I spoke with a friend. He shared how much they regretted terminating his mother’s policy.
Their reason? They felt that the investment value did not match the total amount they had paid. But it’s important to understand that investment performance is affected by:
📈 Market volatility
💰 Insurance costs
The heartbreaking part? A year after they fully withdrew and terminated the policy, his mother passed away.
“Sana pala hindi namin winithdraw lahat. Baka nung nawala si Mama, may naiwan pa siyang financial protection para sa amin.”
That conversation reminded me why insurance should never be viewed as a short-term investment.
Insurance is designed for the long term. Markets will go up and down, but the protection remains. The real value of insurance is not just the fund value, it’s the financial security it provides when life takes an unexpected turn.
One of the saddest realities is this:
Minsan, kapag nag-decide tayong ihinto ang policy dahil feeling natin hindi na natin kailangan, doon pa nangyayari ang sitwasyon na kakailanganin pala natin ito. At kapag lapsed na ang policy, wala na tayong claim na maipoprocess.
Keep your policy active. Protect the future you’re working hard to build. 💚