Before I talk to you about insurance,
I want to talk to you about life.

I’m a Licensed Insurance Advisor for 8 years—and I’ve seen what critical illness does to families when there is no plan.

I’ve personally handled death claims, hospital claims, and sat with families during their hardest days.

Why people choose to speak with me first?

This is not theory for me. This is real life.

In my 10 years in the Philippines Life insurance industry, I’ve experienced something most people only hear about...

I’ve processed death claims.
I’ve assisted with hospital claims.
I’ve spoken to families who said, “Sana kumuha kami nang mas maaga niyan.” or "Sana meron kaming critical illness coverage"

Those moments changed how I advise people.

I don’t sell insurance.

I help people prepare before life forces them to react.

I open a limited number of FREE conversations to help people understand
how critical illness could either help or affect their finances.

No pressure, No obligation, Just Clarity

_{If these thoughts have crossed your mind, you’re not alone.}

“What happens if I’m diagnosed with a critical illness and can’t work for a while?”

“I already have life insurance but it lacks health coverage, I felt unsecured."

“Will my HMO really be enough if treatment becomes long-term?”

“I don’t want my family to struggle financially while I focus on recovery.”

“I don’t want a serious illness to wipe out what we’ve worked hard to save.”

These aren’t fearful thoughts.

They’re signs of foresight, responsibility,

and care for the people you love.

I want to be very clear about our conversation.

❌ This is not a sales call
❌ You are not expected to buy anything
❌ You will not be pressured to decide

✔ You can ask questions
✔ You can simply listen
✔ You can decide later - or not at all

Many people I speak with are having this

conversation for the first time.

I've been there too.

and that’s completely okay. :)

What to expect in our

FREE 30 Minute Zoom Consultation?

Only 3 STEPS.

STEP 1

Personalized Needs Analysis

I take time to understand your situation and answer your questions and concerns.

STEP 2

Customized Coverage Solutions

I explain how critical illness protection actually works clearly and simply.

STEP 3

Budget-based Benefit Planning

I give an honest recommendation based on your needs.

Client's feedback

Glenn T.

Manager

Hanggang ngayon, sobra pasasalamat ko sayo Benj, malaking bagay yung peace of mind na meron ako in case something happened since prone ako sa stress.

Mark E.

Single Professional

As a breadwinner, malaking tulong yung coverage na meron ako kasi hindi naman natin masasabi, thank you Benj dahil di ko akalain na kulang pa pala coverage ko.

Mary T.

Business owner

I’d been unsure for years, but this session helped identify the gaps. I feel confident, informed, and prepared to make the right critical illness plan. Thank you Benj

Let me show you an example of how people prepare...

I don’t believe in one-size-fits-all solutions.
Every family, income level, and life stage is different.

That said, one option we often discuss during our conversation is a Critical Illness Plan called

HealthFlex a customizable criticall illness solution.

HealthFlex is designed for people who want financial breathing room if they’re diagnosed with a critical illness so they can focus on recovery, not expenses.

Why HealthFlex for Critical Illness Protection?

✔ Covers the BIG hospital costs that come with critical illness
Cancer, heart attack, stroke, kidney failure—these often mean long hospital stays, surgeries, ICU, and repeat treatments. HealthFlex helps shoulder these massive bills.

✔ Protects your savings while you focus on recovery
Critical illness can drain years of savings in months. HealthFlex helps ensure your emergency fund, investments, and income stay intact.

✔ Works alongside your HMO—but goes beyond it
HMOs are helpful, but limits can be reached fast during critical illness. HealthFlex steps in when HMO coverage runs out or isn’t enough.

✔ Flexible deductible = smarter protection
You can design HealthFlex to complement existing coverage, keeping premiums reasonable while still protecting against catastrophic costs.

✔ Long-term, renewable protection when risk is higher
As we age, critical illness risk increases. HealthFlex is designed to stay with you—when you need it most.

✔ Backed by a financially strong global insurer
HealthFlex is offered by Manulife, trusted worldwide since 1887 to pay claims even during large-scale health crises.

Here are TOP 5 key features of what you'll get:

✔ Provides lump-sum cash upon Advanced Critical Illness diagnosis.

✔ Supports with monthly allowance during treatment and recovery.

✔ Covers daily hospital income with 2x for dread diseases and 3x for ICU.

✔ Allows fund flexibility with guaranteed cash values and paying dividends.

What sets HealthFlex apart?

Instead of reimbursing hospital bills, HealthFlex provides cash when a covered critical illness is diagnosed.

That cash can be used for:

Income replacement while you’re unable to work
Medical expenses not fully covered by HMO
Daily living costs while you focus on recovery
Protecting your savings and family’s lifestyle

In simple terms, it helps make sure that getting sick doesn’t automatically become a financial crisis.

Why this matters for Health Protection?

Most people are surprised to learn that:

HMOs have limits
Treatments can last months or years
Recovery often affects income not just health

HealthFlex is built to support you from early-stage diagnosis to more serious conditions, giving you flexibility and control during a time when you need it most.

Isn't HealthFlex too expensive?

That’s a valid concern—and most people feel that way before they see how HealthFlex is designed.

Here’s the part most people don’t expect:

You can start for as low as ₱83 a day
Because HealthFlex is customizable, you’re not forced into a fixed package.
Your age, coverage level, and deductible all affect the cost—so you only pay for what fits your situation.
You don’t pay for small hospital bills
HealthFlex focuses on major, high-cost illnesses, which keeps the plan more affordable than “all-in” medical plans.
It’s customizable to your budget
You choose the deductible.
Higher deductible = lower premium.
That means you’re not forced into a one-size-fits-all price.
It works with your HMO
Because HealthFlex complements your existing HMO, you’re not duplicating coverage—just protecting against the expensive gaps.
It protects money you already worked hard for
The real question isn’t “Is it expensive?”
It’s:
“Is one critical illness more expensive than this plan?”

HealthFlex is built to support you from early-stage diagnosis to more serious conditions, giving you flexibility and control during a time when you need it most.

IMPORTANT TO KNOW

This is not something you’re expected to decide on right now. No pressure!

During our discussion:

We go through how it works.

We see if it makes sense for your situation.

We create something that actually fits for you.

Sometimes, the best advice is to wait, or explore options and that’s perfectly fine. :)

Hi, I'm Benj

🥇 Helped families and individuals since 2016
🥇 A full-time Goverment Licensed Insurance Advisor
🥇 Helped more than 1000+ clients in our team in securing their future

🥇A Multi-Awarded Insurance advisor for 8 years -

🥇A Manager to more than 100+ insurance advisors

Someone with first-hand experience assisting Health Insurance and Death claims

But more importantly,

I believe people deserve clarity about critical illness risks before making long-term commitments.