Your family, if you are not there
Term, whole life, and endowment plans, so the people who depend on your income keep their home, their schooling, and their dignity.
SUN LIFE GREPA FINANCIAL ADVISOR
Philippine life insurance, minus the confusion.
I am Kuya Aries. For 14 years I have helped Filipinos figure out what to protect, and what to skip.
- 14 years
- With Sun Life Grepa since 2012
- 2nd gen
- Insurance runs in the family
- RFP
- Registered Financial Planner graduate
- NCR + Bulacan
- Where I meet clients in person
The first session is free, private, and never a hard sell. You can walk away with a plan or with nothing at all.
Where I have explained this before
National television
DZAS 702 Heartline
RFP Philippines podcast
Brigada Eskwela coverage
A coworker had a stroke at his desk. That is why I do this.
I spent eight years in the BPO industry. One shift, a colleague had a stroke while working. He survived. His savings did not go far enough, and the people who loved him spent the following months doing math instead of grieving.
I had heard the word insurance my whole life. My family was in it. But that was the day it stopped being a product to me and started being the difference between a family that recovers and a family that unravels.
I left the call center in 2012 and never looked back. Fourteen years later, I still open every conversation the same way: what would actually happen to the people who depend on you?
THE PART NOBODY BUDGETS FOR
Nobody plans to be sick on a Tuesday.
Most Filipino households are one hospital bill away from a hole they never planned for. The bill is not the hard part. What comes after it is.
The income stops
Your salary, your clients, your remittance. Whatever the household runs on stops arriving, and it stops on the same day the bills grow.
The savings go first
The emergency fund, then the education fund, then the retirement fund. In that order. It takes a few months, not a few years.
Then the borrowing starts
Utang from family, then from anyone. The interest outruns the recovery, and the debt outlives the illness.
The plans get quietly cancelled
The house. The tuition. The retirement you were on track for. Nobody announces it. It just stops being possible.
This is not bad luck. It is an open gap, and a gap can be closed while you are still healthy enough to qualify.
Who I sit down with
Most of my clients are between 25 and 45, and most of them are the person their family calls when something goes wrong.
Three steps. No pressure at any of them.
Book a free 30 minute session
Pick a slot on my calendar. Bring your questions, even the ones you think are dumb. Especially those.
We look at your actual numbers
What you earn, who depends on it, what your employer or SSS already covers, and what is left uncovered. Honest math, no slides.
You decide, in your own time
If a plan fits, I will size it to your budget instead of the other way around. If nothing fits, I will tell you that too.
I reply personally, usually within a day. Your details never leave this conversation.
WHAT WE ACTUALLY BUILD
Named after what it saves, not what it says on the brochure.
Your savings, if you get sick
Critical illness coverage that pays out on diagnosis, so treatment does not have to be funded by selling something.
Your money, while you are well
VUL plans that protect and invest at the same time, pointed at a goal you can actually name.
Your team, if you run the business
Group life coverage for your employees, and keyman protection for the person the business cannot lose.
Curious what it might cost? Find out in two minutes.
Get an indicative estimate built on real Sun Life Grepa sample rates, adjusted for your age and profile. No call, no pressure, and no reason to book anything after.
Unboxing Life Insurance
I host a podcast so you can decide before you ever talk to me.
Light, conversational, educational. I break life insurance down into the parts that matter, using words a normal person uses. No script, no pressure, and no reason to book anything after listening.
Helping you figure out life insurance. Not boring.
Fourteen years of showing up
Financial wellness talks in schools, companies, and barangay halls. Awards from Sun Life Grepa along the way, though the talks are the part I would keep.
- CAO Champion
- President’s Challenge
- Great Achievers
- Registered Financial Planner graduate
The questions people are too polite to ask
Is life insurance just money down the drain?
It is a fair question and the honest answer depends on the plan. Pure term insurance is a cost, like car insurance, and it is the cheapest way to cover a large risk. A VUL or endowment plan builds value you can use while you are alive, and many plans pay out for critical illness long before anyone dies. In a free session I will show you which of the two your situation actually calls for, and sometimes the answer is term.
How much does it cost per month?
There is no single number, because a plan is sized to your income and to who depends on it, not to a price list. What I will not do is quote you a figure before I understand your situation. Bring your monthly budget to the session and we will work backwards from what you can carry comfortably, for years, without resenting it.
I already have coverage through work. Is that enough?
It is a real benefit and it is worth understanding. It is also tied to the 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 salary does. We will look at exactly what your HMO and group life cover, then decide whether you need anything on top.
Am I too old, or too late?
As long as you are insurable, you are not too late. What changes with age is not whether you can buy, it is what it costs and what the insurer will accept. That is why I would rather you book a session while you are healthy and bored than call me the week after a diagnosis, when the options narrow to whatever is left.
What if I am not ready to buy anything?
Then you do not buy anything. Plenty of people leave a session with a clearer head, a list of what to fix first, and no policy. That is a good outcome. I would rather be the person you trust in three years than the person who pushed you in month one.
Why you and not an agent from a bank?
Because you get a person, not a queue. I have been with Sun Life Grepa since 2012, I am a second generation practitioner, and I still handle my own clients. I answer my own messages. And I am not going anywhere, which matters more than most people realise when a claim finally needs filing.
Let’s figure this out together
Thirty minutes, free, and genuinely without pressure. You will leave knowing exactly where your gap is.