I protect the business from losing you
Keyman cover gives the company the cash to survive your absence long enough to be sold, handed over, or kept running, instead of unraveling the week you step away.
You insured the delivery van. Not the person driving the company.
If you stopped working tomorrow, the payroll, the loans, and the suppliers all keep their schedule.
- 14 years
- With Sun Life Grepa since 2012
- 2nd gen
- Insurance runs in the family
- RFP
- Registered Financial Planner graduate
- NCR + Bulacan
- Where I meet clients in person
The first session is free, private, and never a hard sell. You can walk away with a plan or with nothing at all.
Three exposures most owners carry personally
You are the keyman
In most Filipino SMEs, the relationships, the pricing, and the credit line live in one head. If that head is unavailable, the business does not pause. It bleeds.
The loans are personally guaranteed
Business debt has a habit of ending up on a household. Without coverage, the family inherits the guarantee along with the grief.
Good staff leave for benefits
Group life is one of the cheapest reasons a good employee stays. Most owners assume it is out of reach and never ask what it actually costs.
How I help
What working with me actually looks like
I give your people a reason to stay
Group life and health cover that makes a small team feel looked after, often for less per head than owners expect. One of the cheapest ways to keep a good hire.
I keep your household off the balance sheet
A personal plan and estate structure so your family's security is never tangled up with the loans you personally guaranteed for the business.
What changes
Keyman coverage gives the business the cash to survive losing you long enough to be sold or handed over properly. Group life gives your people a reason to stay. And a personal plan keeps your family's security separate from the balance sheet, which is where it should have been all along.
What you walk away with
From one free session. No obligation.
- A clear view of what happens to the business if you cannot run it
- A keyman coverage figure sized to your loans and payroll
- Real per-head numbers for covering your staff
- A plan that keeps your family separate from business debt
- Straight answers on whether the business can fund the premiums
Why me
A real person, not a hotline
I run my own agency, so I know a small Filipino business usually lives in one or two heads and one or two credit lines. I have helped owners protect exactly that. This is not a template. We build it around how your business actually makes money.
- Sun Life Grepa advisor since 2012
- Registered Financial Planner graduate
- 2nd generation practitioner
- Serving Metro Manila and Bulacan
Questions I get from this group
How small is too small for group life?
Smaller than most owners assume. If you have a handful of full time staff it is usually worth pricing, and the per head cost drops as the roster grows. Bring your headcount to the session and I will show you real numbers.
Can the business pay the premiums?
For keyman and group coverage, generally yes, and the structure matters for both accounting and claims. This is exactly the kind of thing worth getting right on paper before anyone signs.
Is keyman insurance only for big companies?
No. The smaller the business, the more it usually depends on one person, which is exactly when keyman cover matters most. We size it to your real numbers, not a corporate template.
What happens to my staff's cover if someone leaves?
Group cover typically follows employment, and we can set it up so joiners and leavers are simple to manage. I will walk you through how it works before anything is signed.
Not quite you?
Let’s figure this out together
Thirty minutes, free, and genuinely without pressure. You will leave knowing exactly where your gap is.