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 sold to you even if you don't need it. Your situation will always be considered. It is there to help you more on bigger problems that you will face in the future rather than to rip you off .