Is your family really protected?
Most Filipinos discover the gaps in their finances at the worst possible moment. In 5 minutes, find out exactly where you stand — before life forces the answer.
Guided by your advisorBryan RiofloridoSun Life PhilippinesThe gaps only show up when it’s too late
One illness away
A major hospital bill can wipe out years of savings — PhilHealth covers only a fraction.
Income stops, bills don’t
If you couldn’t work tomorrow, how long could the household hold on?
Retiring on too little
Most Filipinos reach 60 with far less than they need to stop working.
A legacy eaten by tax
Estate tax can force your heirs to sell what you spent a life building.
Your finances have ten core pillars
Most people are strong in two or three and never check the rest. The check-up scores the ones that apply to you.
The warning signs are already there
- ✓You have insurance but couldn’t say what it actually covers
- ✓You’re saving, but not sure it’s enough — or growing
- ✓You’ve never worked out what your family would receive
- ✓A serious illness would mean dipping into savings or debt
- ✓You keep meaning to sort it out, but never quite do
In 5 minutes, you’ll know
Where you stand
A clear score across all 10 pillars of your finances.
Your biggest gaps
The two or three areas leaving your family most exposed.
What it means
Plain-language notes on why each gap matters.
Your next step
A no-obligation review with your advisor to close them.
This is for you if…
- You earn well but aren’t sure your family is protected
- You have some insurance but haven’t reviewed it in years
- You want a clear, honest picture before you buy anything
This is not for you if…
- You want a sales pitch, not an honest assessment
- You’re not open to reviewing your finances at all
A message from your advisor
What clients say
“Claiming made effortless. When my husband was hospitalized, the last thing we wanted to think about was paperwork. Bryan stepped in and handled everything with the insurer. His guidance made a terrifying situation manageable, and our critical illness claim was processed without any hassle. He is truly our family’s financial guardian.”
“Complete protection under one roof. Finding an advisor who genuinely understands both personal life insurance and general property insurance for our business was a game-changer. Bryan reviewed our existing policies, cut down unnecessary costs, and doubled our actual coverage. Highly recommended!”
Efficient and Fast Critical Illness Claim and Premium Refund
In early 2025, a 47-year-old family provider partnered with us to establish a comprehensive financial protection strategy. The client opted for a high-benefit critical illness policy with an annual premium payment structure to ensure seamless protection year-round. Just 13 months into the policy (early in the second policy year), the client received a sudden diagnosis of a covered severe critical illness. Paying premiums annually meant the client had already paid the full premium for the second policy year up front. Full Benefit Payout: We immediately initiated the claim process with complete medical documentation. Sun Life approved and disbursed the full ₱1,300,000 Critical Illness Benefit directly to the client's account to cover immediate medical treatment and lifestyle adjustments. Pro-Rated Premium Refund: Because the diagnosis occurred within the first quarter of the policy year, the insurer processed a return of unearned premiums—refunding 3 quarters' worth of the annual payment back to the client.
Only 1 year premium paid, client who's diagnosed with a covered critical illness was able to file and claim the full benefit of the plan.
The C Family
Your advisor
Bryan Rioflorido
Insurance Advisor - 9 years
Sun Life Philippines
Manila, Philippines
- Helped 250+ families secure their loved ones with life and health insurance plans.
- Macaulay Club Awardee
- Medallion Achiever
- Associate Wealth Planner
Questions, answered
- Is this a sales pitch?
- No. It’s a quick self-assessment — you get your score and exactly where your gaps are. Your advisor can walk you through it if you’d like, with no pressure and no obligation to buy anything.
- Is my information safe?
- Yes. Your answers go only to Bryan Rioflorido — a licensed financial advisor and LUAP member — to prepare and talk through your result. They’re never sold or shared with anyone else, and you can ask to be removed anytime.
- How long does it take?
- About 5 minutes. Ten quick questions, then your result.
- Does it cost anything?
- No. The check-up and the follow-up review are free.
Find out where you really stand
Five minutes now could save your family years of uncertainty later.