Originally Posted by PANDALiciousss I'm a financial advisor of one of the insurance companies here in Cebu, and for me all products regardless of insurance company are helpful and good. What really matters is that if it can really tailor fit to your needs. One policy cannot simply cover all our needs. One person can have 8 or more policies , can even be from different insurance companies. That's why it is really helpful to speak to a financial advisor and discuss properly what really is your priority as insurance is not just a product ...