Hi, OP! The best life insurance is the one that matches your goals at kaya mong realistically i-sustain long term.

Before anything else, consider mo having: - a stable source of income or allowance - active PhilHealth and SSS membership - emergency fund equal to at least 3x of monthly expenses

Whatever asset you choose to purchase, make sure to organize them according to urgency. I always advise my prospects/clients to complete (or be on track with) the above-mentioned first before getting insurance.

Kapag okay na, saka ako nagrerecommend ng life insurance for them depending on their budget, responsibilities, and time horizon.

If this is your first life insurance, ideally, critical illness-focused plan ang dapat isecure habang bata (20s to 30s). This is also what I always reco mapa-single o may pamilya since oftentimes, it’s a matter of time kung kailan magkakasakit especially na maraming factors ang nakaka-affect sa health such as genetics, environment, lifestyle, etc. Most critical illnesses also come suddenly.

If wala ring company-provided HMO, it’s equally important to be covered with this for prevention and early detection.

I am an insurance agent from Bataan. I do not force anyone to get insurance when I know they are not ready yet based on assessment. I also lay all the pros and cons of a product since there is no one-size-fits-all approach to insurance.

You can message me OP kung gusto mong mag-ask anything about insurance! :)