25/08/2026
𝙒𝙝𝙖𝙩 𝙝𝙖𝙥𝙥𝙚𝙣𝙨 𝙖𝙛𝙩𝙚𝙧 𝙮𝙤𝙪 𝙨𝙪𝙗𝙢𝙞𝙩 𝙖𝙣 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙖𝙥𝙥𝙡𝙞𝙘𝙖𝙩𝙞𝙤𝙣? 🤔
Hindi porket nag-apply ka for insurance, automatic approved na agad.
Every application goes through **underwriting**, where the insurance company assesses your health, medical history, lifestyle, occupation, and other risk factors. Kaya iba-iba rin ang possible outcome:
⛔️ 𝘿𝙀𝘾𝙇𝙄𝙉𝙀𝘿 — Application is not accepted and no policy will be issued.
⏳ 𝙋𝙊𝙎𝙏𝙋𝙊𝙉𝙀𝘿 — Hindi naman necessarily rejected. Your application may be reconsidered after a certain period or once your condition improves.
☑️ 𝙍𝘼𝙏𝙀𝘿 — Approved, but may have a higher premium due to additional risk factors.
✅ 𝘼𝙋𝙋𝙍𝙊𝙑𝙀𝘿 — Application is accepted and your policy can be issued. 🎉
This is also why I always encourage my clients: **get insured while you’re still young and healthy.** ❤️
Hindi natin alam kung kailan magbabago ang health natin, and once may existing medical condition na, getting coverage may become more expensive—or sometimes, hindi na available.
𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙞𝙨 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙬𝙚 𝙜𝙚𝙩 𝙬𝙝𝙞𝙡𝙚 𝙬𝙚 𝘾𝘼𝙉, 𝙨𝙤 𝙞𝙩’𝙨 𝙩𝙝𝙚𝙧𝙚 𝙬𝙝𝙚𝙣 𝙬𝙚 𝙉𝙀𝙀𝘿 𝙞𝙩. 🫶🏻
Want to know if you’re still insurable and what options fit your budget? Message me. 📩
