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Adulting 101: How to Start Your Insurance Journey
Moving from “I should get insurance” to actually owning a policy doesn’t have to be overwhelming. Think of it as setting up a safety net that works for you in the background while you live your life.
- 2 mins read
Step 1
Know What You Need
Before talking to anyone, it helps to understand your own goals—whether that’s protecting your life, health, saving for a home, or planning for retirement.
You can learn the basics from financial literacy communities. Checking the official social media pages of insurance companies is also a great way to see what products are currently available or trending for people your age.
Step 2
Find a Trusted Financial Advisor
Most Filipinos prefer working with an advisor because they provide personalized planning and help with the heavy lifting during claims
How do you find the right financial advisor for you? You can:
- Ask your family or friends for recommended agents they’ve trusted for years.
- Reach out directly to an insurance company’s website.
Step 3
Explore the Digital "DIY" Options
If you’re looking for something quick and simple, many insurers now offer products you can buy directly through their websites or apps.
These digital bite-sized products are great for beginners but usually offer limited coverage scope and guidance. While buying online is convenient, a licensed advisor can provide a more deliberate financial needs analysis to ensure you get the advice on the right products and amount of cover appropriate to your identified requirements.
Want to know which life insurance plan is the one for you? Read more below.