Skiddoo Philippines Inc

Here’s Why You Should Really Get An Insurance NOW

One of the most compelling stories about life insurance that I’ve heard when I first joined Sun Life in 2017 was that of one of our branch Manager’s first clients way back in 1993.  His first client was in his early 20’s, single, and was his family’s bread winner.  He got life insurance with a coverage of Php 1,000,000 with an annual payment of about Php 10,000 or so, payable every quarter – or about Php 2,500 per quarter. 

After getting insured and paying for the first 2 quarters, he went on an out-of-town beach outing with his friends.  Unfortunately, he accidentally drowned.  That left his family without a breadwinner: his parents don’t have jobs or a business, his younger sister is still finishing accounting studies in college, and they were just renting the house where they were living in at that time.

Fortunately, he got insured a few months before.  And despite paying for only 2 quarters worth of premium payments, or about Php 5,000 total only, Sun Life paid his family the proceeds of his life insurance totaling Php 2,000,000.  Why that amount?  It was because the life insurance he got included an Accidental Death Benefit (ADB) rider, which doubles the insurance proceeds in case death is accidental. 

With the huge sum of money, the client’s family was able to buy their own home, buy a Tamaraw FX that was used as a shuttle service that provided steady income for the family, and fund the younger sister’s remaining years in college.  Because of life insurance, the family was able to move on and allowed the client to provide for his family even after death.


Accident Insurance

Whether it’s life insurance or a personal accident insurance, it’s crucial that we have insurance especially if we are our family’s breadwinner or one of its major breadwinners.  Why?  It’s because life is full of uncertainties and we can never tell what can happen to us.  If you recall that unfortunate accident in 2017 where a cement mixer truck turned over and crushed a small car carrying a family in Quezon City? 

While the probability of us figuring in a fatal accident is very low, the financial impact on our family can be devastating if we figure in a fatal accident. Are you willing to take that chance, however small, that your family may suffer financially on top of grieving your loss if you get in to a fatal accident? 

Many people don’t get life insurance thinking it’ll cost them an arm and a leg.  Nothing can be farther from the truth.  In fact, you can insure you and your family for up to Php 1,000,000 for less than Php 10,000 per year only! 

And you can get a chance to get personal accident insurance with a coverage of Php 25,000 for free if you’re one of the first 5 people to email me and my wife telling us why you believe it’s important for you to have insurance. 

And if your reason is the best one among the first 5 we receive, we’ll throw in an additional Php 50,000 worth of personal accident insurance, giving you a total of Php 75,000 worth of personal accident insurance. 

Email Burn and me at to get a chance to win free personal accident insurance and to know how you can insure your whole family against accidents for less than Php 10,000 only per year.

Critical Illness Insurance

It’s not just a fatal accident that can shatter your and your family’s financial future.  Many people become bankrupt because of a diagnosed critical illness.   Just how costly can it be to have a critical illness? 

My uncle – who was as strong as an ox – suffered from a heart attack in early 2017, which required immediate angioplasty.  Unfortunately, he died after only a week in the hospital. What’s even more unfortunate is that his bill totaled around Php 1,000,000! Worse, he didn’t have life insurance. 

His surviving family members were forced to cough up as much cash as they can and had to issue a promissory note for hundreds of thousands of pesos to the hospital.  And this hospital wasn’t even in the league of Asian, Makati Med, or St. Luke’s! Can you imagine if he was hospitalized there?

The good news is thanks to life insurance, it’s now possible to have yourself insured against critical illnesses too.  You can get a life insurance with an added feature (or rider, as it’s called in insurance parlance) called Critical Illness Benefit or CIB. 

With a CIB rider, you can get a substantial amount of money when you get officially diagnosed with a critical illness such as cancer, stroke, or heart attack, among others.  That way, you won’t have to worry about having the necessary funds for medication and treatments needed for your recovery. 

And if you’re interested to know how affordable a life insurance with a built-in (free) CIB can be, just email Burn and me your full name, birthday, and gender at and we’ll provide you with a free estimate for a life insurance with critical illness benefit (CIB).

You Are Worth Insuring

Your family home is probably insured because it’s important to you and your family. Your car is probably insured because it’s important to you and your family. 

For your family, aren’t you more important than those?  If a house and a car are worth insuring, how much more are you, the family’s breadwinner?  If you don’t have an accident or critical illness insurance yet, it’s never too late.  If you’ll allow us, we can help you get the best possible insurance for you and your family. Email Burn and NOW.

Subscribe to RockToRiches|BurnGutierrez.Com  to learn more!

Rock your way to abundance!


Seph Romana is Angat Pilipinas Coalition for Financial Literacy‘s silent yet passionate volunteer financial coach and a regular contributor to Rock To Riches. He was a Bank Examiner at the Philippine Deposit Insurance Corporation (PDIC). He used to work at the Philippine Stock Exchange as Market Risk Officer, Fixed Income Securities Trader, and as a Stockbroker. Seph is also a resource speaker for Biblical personal finance seminars in his church. He was the former vocalist of Army Of One.

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