We read your benefits together
We go through your HR handbook, HMO card, and group life certificate line by line. You will finally know what is actually covered, what the limits are, and where the holes sit. Most people have never read theirs.
Your benefits are real. They are also your employer's.
Group life and HMO are good things. They just belong to the company, and they leave with the job.
- 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.
What a payslip does not tell you
Coverage ends with employment
Resignation, retrenchment, or retirement. Whichever comes first, the HMO card and the group life certificate usually stop working within days.
The multiple is smaller than you think
Most group life pays a fixed multiple of your salary. Your family does not spend a multiple. They spend your income, every month, for years.
It follows the job, not your health
If you leave a job after a diagnosis, you carry the condition and lose the coverage. Buying while you are well is the whole point.
How I help
What working with me actually looks like
I build the layer you keep
A personal plan that sits underneath your company cover and stays with you through any resignation, retrenchment, or retirement. Your family stops depending on an employer for its security.
I size it to your payslip
We work backwards from your take home pay to a premium you can carry for years without feeling it. Never a number pulled from a brochure and pushed onto you.
What changes
You keep the company benefits, and you own a layer underneath them that nobody can take away when your employment changes. We size that layer to your take home pay, not to a brochure. Most employees find it costs less than the monthly plan they are already paying for a phone.
What you walk away with
From one free session. No obligation.
- A clear read on what your HMO and group life actually cover
- The exact peso gap between your benefits and your real income
- Straight answers on how SSS and Pag-IBIG fit into the picture
- A plan sized to your take home pay, only if you want one
- Zero pressure to decide on the spot
Why me
A real person, not a hotline
I spent eight years inside the BPO industry before I ever sold a plan, and 14 in insurance since. I know the payslip, the probation period, and the HMO that looks generous until you read the fine print. I have sat where you sit, and I will not sell you cover you do not need.
- Sun Life Grepa advisor since 2012
- Registered Financial Planner graduate
- 2nd generation practitioner
- Serving Metro Manila and Bulacan
Questions I get from this group
Should I cancel my HMO if I get a plan with you?
No. Your HMO handles the small and frequent things well. What it does not do is replace the income your household runs on if you cannot work. Those are different jobs, and you want both.
I am on probation. Should I wait?
Probation affects your employer's coverage, not your ability to buy your own. If anything it is the strongest argument for owning something independent of the job.
Will my premium go up if I change jobs?
No. A personal plan is priced on your age and health when you start, not on your employer. Changing jobs, or losing one, does not touch it. That is the whole reason to own it yourself.
How much of my salary should this cost?
There is no universal rule, but many employees protect their income comfortably for around the price of a mid-tier phone plan. In our session we set the number against your budget, so you leave with something you can actually sustain.
Not quite you?
Let’s figure this out together
Thirty minutes, free, and genuinely without pressure. You will leave knowing exactly where your gap is.