May Umaasa Sa’yo Araw-Araw…


 Pero handa ba sila sa hindi inaasahan?

Ikaw ba ang breadwinner ng pamilya?

  • May umaasa sa income mo?

  • May mga anak kang gustong mapag-aral?

  • May pamilya kang gustong protektahan?

My Story (This Could Be Your Story Too)

Noong 2014, kumuha ako ng first insurance policy ko.

Hindi dahil expert ako…


Kundi dahil naniwala ako sa sinabi ng best friend ko na Financial Advisor:

“Bilang nanay at breadwinner, kailangan mong protektahan ang income mo.”

That time:

  • Corporate accountant ako

  • May 2 kids (6 years old & 1 year old)

  • Stable ang buhay

Akala ko… okay na lahat.

Then Life Happened…

Noong 2021 (COVID time), I was diagnosed with:

Polymyositis – isang rare autoimmune disease

  • Unti-unting nawawala ang lakas ng muscles

  • Hindi makatayo

  • Hindi makagalaw

There was a time na…

1. Hindi na ako makabangon sa kama
2. Lagi akong natutumba
3. Hanggang sa naging bedridden ako

Bilang Nanay… Ito ang Pinakamasakit

Iniisip ko araw-araw…

“Paano na ang mga anak ko?”



 “Paano kung mawala ako?”

Hindi lang sakit ang kalaban ko…

Kundi takot para sa future ng pamilya ko.



The Financial Reality

  • Kailangan ng surgery (muscle biopsy)

  • Mahal ang gamutan

  • Ubos ang ipon

At ang mas mahirap…

Walang work ang husband ko during COVID (no work, no pay)

We were facing serious financial crisis.


.

Buti Na Lang… May Insurance Ako, “Sa gitna ng lungkot, may dumating na tulong.”

Naalala ko yung policy ko. Nag-file ako ng claim. After 6 months…

“Biglaan ang lahat. Hindi kami prepared emotionally at financially.


Pero dumating ang insurance claim—at kahit papaano, gumaan ang sitwasyon namin.

Dahil Doon…

✅ Hindi kami nangutang
✅ Hindi kami nanghingi sa relatives
✅ Hindi kami nagbenta ng property
✅ Nakabangon kami financially

👉 Insurance became our lifeline

Today, This Is My Life

✨ From bedridden → nakakalakad na ulit


✨ Active pa rin ang policy ko


✨ Premiums are waived


✨ May retirement fund na tumutubo


✨ Protected pa rin ang family ko

👉 And now…

I am a Financial Wealth Planner at FWD

Helping families prepare BEFORE it’s too late



“Totoo Ba Talaga ang Insurance?”

 Read Real Claim Stories from Real Filipino Families

Not all stories end in loss…
Some stories become hope, protection, and answered prayers.

These are not just testimonials.
These are real lives protected by Insurance—families who received financial support when they needed it most.

“Akala namin wala na kaming aasahan…”

Mam Josefina-60 yrs old.

“Nang mawala ang asawa ko, hindi ko alam kung paano bubuhayin ang mga anak ko tapos nagkasakit ako as a widow paano na? Buti na lang may VUL plan policy ako. Kelangan ko mag undergo ng Chemo - P50,000, 2x a month. Sobrang hirap sa Financial.


Nakuha namin ang claim—at doon kami nagsimulang bumangon ulit.”

Diagnosed : Stage 2 Cancer Mantle Cell Lymphoma

✔ Claim Received: ₱500,000
✔ Processing Time: 15 days
✔ Impact: Sustained daily needs + recovery treatment

“Hindi lang buhay ang nailigtas—pati ipon namin.”

Teacher Rowena- 45 yrs old

“Na-diagnose ako ng critical illness. Akala ko ubos ang savings namin.
But because of my insurance (VUL) plan, hindi kami nalubog sa utang.”

Diagnosed: Thyroid CancerCancer

✔ Claim Received: ₱500,000 plus premium waived
✔ Benefit Used For: Hospital bills + recovery
✔ Result: No debt, focus on healing



Hindi natin hawak ang mangyayari bukas…
Pero hawak natin ang decision na maging handa ngayon.

Gusto mo rin bang maging financially protected tulad nila?

Book your FREE Financial Assessment today
Let’s create a plan that fits your budget and goals

Hindi mo ito para sa sarili mo lang… Para ito sa mga taong umaasa sa’yo.

I want FREE Financial Assessment
click here

Testimonial & Confidentiality Disclaimer

All testimonials shared on this page are from real clients who have given their consent to share their experience.

To protect their privacy, some personal details (such as full names, policy numbers, and exact claim amounts) may be partially hidden or modified. Any documents, screenshots, photos, or videos presented are used strictly with permission and for educational purposes only.

Results and claim experiences may vary depending on individual policy coverage, terms, and conditions. These testimonials are not intended to guarantee similar outcomes but to provide real-life examples of how insurance protection can support families during unexpected situations.

Your privacy and confidentiality are always respected and protected.

Ikaw ang Pinaka Importanteng Asset ng Pamilya

Kapag nawala ang income mo…

👉 Lahat maaapektuhan.

So ask yourself:

  • May backup plan ka ba?

  • Handa ba ang pamilya mo?

Bakit Kailangan Ngayon?

✔ Habang healthy ka pa
✔ Habang affordable pa
✔ Habang eligible ka pa

❌ Kapag may sakit ka na — possible decline
❌ Kapag matanda ka na — mas mahal
❌ Kapag emergency na — huli na

Let’s Protect Your Family—Starting Today!

I’m offering a FREE Financial Assessment

✔ No pressure
✔ Personalized plan
✔ Based on your budget & goal

I Want FREE Financial Assesment
Click Here

Ako mismo ang kakausap sa’yo.

Hindi ito sales talk.

Real talk. Real planning. Real protection

Huwag Mo Nang Hintayin…

Na mangyari muna ang worst case scenario
bago ka magdesisyon.

“Ginawa ko ito para sa pamilya ko…
Gawin mo rin para sa pamilya mo.”

I Want A Free Financial Assestment
Click Me Here

READ WHAT THEY SAY........................

Mafe, My former officemate and friend, single but a breadwinner who supported her younger siblings schooling. We have common denominator, investing in COL Financial and so happy to help her in this kind of investments and told her, you have also to invest on your health and retirement while you are young and healthy.

Our bunso Lorna is an OFW my youngest sister and believe she need to manage her finances and learn how to save and protect her future and her only daughter. Her husband and daughter have bought policy from me .

Ruth is one of my little sister friend in our office and we are in the same department. She said that she wanted to buy a delivery van for her father's business vegetable dealer. She wanted in to happen in 5-7 yrs.

Irene is also my former officemate . We are not the same department however, she heard that I am a financial advisor and approach me to give her Financial Advice.

Lucky was my former officemate and a close friend. Married with one daughter. Actually she is earning much and palaging nauubos lang kada sweldo. I ask her what her plan for his daughter future college. Any fund for her ? when she will start funding it? I advice here while she is earning much , maximize the opportunity to save and protect her child future.

FWD MT ZION BRANCH

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Disclaimer:
This page is for information only. The story is based on my personal real life experience. Insurance products are subject to terms and conditions set by the provider.

© 2026 Chona Rubio. All Rights Reserved.