I build the benefits no client gives you
The sick pay, the health cover, the income protection an employer would have handed you. We assemble it deliberately, so a slow month or a hospital week does not quietly end your finances.
Nobody is quietly covering you in the background.
No HR, no group life, no company HMO. When you cannot work, the invoicing stops the same afternoon.
- 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.
The trade you made without noticing
Your income is a person, not a payroll
There is no sick leave to draw down and no colleague to cover the account. A month away from the desk is a month of nothing arriving.
Clients do not carry your risk
A retainer is not a benefit. It ends when you stop delivering, and it makes no promises about the week you spend in a hospital.
The good years hide the exposure
Freelance income is lumpy. A strong quarter feels like a buffer. It is only a buffer until the first thing goes wrong.
How I help
What working with me actually looks like
I price it around lumpy income
Premiums set annually or quarterly, sized against your weakest quarter, not your best. A plan you can carry through a dry spell is the only plan worth starting.
I turn busy years into a real fund
A VUL or savings plan that keeps growing whether or not this month was good, so your future does not depend on your busiest seasons lasting forever.
What changes
You build the benefits package your clients will never give you: income protection if you cannot work, critical illness coverage that pays on diagnosis, and a plan that keeps growing whether or not this quarter was good. Premiums can be set annually if your income arrives in waves.
What you walk away with
From one free session. No obligation.
- A benefits package that is yours, not a client's
- Premiums structured around how your income actually arrives
- A clear read on what SSS and PhilHealth really cover you for
- A protection and savings plan you can pause and resume with your cash flow
- No obligation, and no pretending your income is steadier than it is
Why me
A real person, not a hotline
I work with a lot of freelancers, VAs, and online sellers, and I do not treat irregular income as a problem to hide. I plan around it. I answer my own messages, I meet you online on your schedule, and I will still be here in three years, not just for this campaign.
- Sun Life Grepa advisor since 2012
- Registered Financial Planner graduate
- 2nd generation practitioner
- Serving Metro Manila and Bulacan
Questions I get from this group
My income is irregular. Can I still keep up with premiums?
Yes, and this is worth planning properly. We can set premiums annually or quarterly rather than monthly, and size them against your weakest quarter instead of your best one. A plan you can carry in a bad year is the only plan worth having.
I already pay into SSS and PhilHealth. Is that not enough?
They help, and you should keep paying them. They were designed as a floor, not as a replacement for the income of a working adult. We will look at your actual SSS numbers together so you can see the size of the remaining gap for yourself.
Can we do everything online?
Yes. Most of my freelance clients and I have never met in person. We meet by video call at a time that fits your work, and the paperwork is fully digital from start to finish.
What if I have to stop paying for a few months?
We plan for that up front. Many plans have grace periods and flexible payment modes, and a well-built VUL can carry itself for a while from its own fund value. We design yours so a rough patch does not undo everything.
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.