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To travel is to love. To love is to travel.

I travel to see things and, sometimes, I also travel for work.

I travel to learn from the adventures and misadventures.

I travel to discover the place, its history and culture and, more importantly, myself.


When I travel, I can save more bucks if I travel with friends. The more we are in the group, the greater the savings. It is because we can split the costs and share the wonderful experience with everyone in the group. “The more, the merrier”, they say.

So how does it relate to a life insurance?

Life Insurance is a risk-sharing financial tool. This means that the financial risks are spread evenly within a large number of contributors to the program. Generally, individuals are happy to take on the risk in exchange for a small premium they believe is sufficient to cover an unanticipated larger costs or financial risks.



Traveling is fun but it also has its share of risks.

They say “Money cannot buy peace of mind.” but I think I just did.

With life insurance, I am at ease knowing that someone will be there for me and my family when an unfortunate thing happens.

How does it feel knowing someone will be there for you and your family when a critical illness strikes or an unfortunate thing happens?

How does it feel knowing you can also help other people (theoretically) who also take on the risk for you and the rest of the group?

The Good News!

Hey! I don’t need an unfortunate event to happen before I can reap the rewards of a life insurance.

Nowadays, life insurance companies provide products with savings, health benefits and investments component.

It can help me fund emergencies (without the need to ask from family, relatives and friends), education, car, business, home and of course, travel.

Some products also have guaranteed cash value, dividends and endowment benefits that I can use to secure my retirement years.



Receiving lifetime guaranteed cash perfect for retirement even before age 65. ✔

Participating in pre-emptive wellness program for that “Oh la la beach body!” ✔

Peace of mind when a critical illness strikes.✔

Securing my love ones’ future (with or without me).✔

Guaranteed loanable cash during emergencies. ✔

Cash dividends.✔

Or cash fund for more travels! ✔



If you are thinking, “How can I get one?”


Two-years ago, as a single independent woman, I found the need to secure my future and that of my parents.

I seek for a financial advisor and discussed my goals, needs and priorities.

Then, I got a VUL. It is a product with protection and investment. This means that aside from life insurance, portion of my premium will go to investments. I got it for less than Php 70.00/day. The amount will vary depending on the age and the person’s health condition so it is best to get as early as possible specially when you are still fit and healthy.

As an accountancy graduate, I didn’t fully understand the value of the VUL product after I purchased it and until I found my account with a fund. I guess financial literacy is truly learned outside the corners of the traditional education system. 🙂

From then and until now, I feel more fulfilled as I travel with an insurance protection – knowing me and my family’s future is financially secured no matter what!


*All images are from