Pinch Pennies by Patit

Pinch Pennies by Patit Client Portfolio | Insurance Products | Financial Planning
Affiliated with Pru Life UK
Est. 2020

04/08/2026

I’ve come to realize that convincing people insurance is important isn’t always the hardest part. Most people already know it matters.

The real challenge is TIMING.

Some have more urgent financial priorities, some feel they’re still too young or healthy to need it, and others simply believe they can always get it later.

Everyone has their own season and their own reasons. My role isn’t to pressure anyone. It’s to educate, be available, and make sure that when they’re ready, they have someone they can trust ❤️❤️❤️

Tara matcha? 🍵

01/03/2026

Tara asikaso ng insurance claims ✅

Mr. Client quietly started his insurance, worried his family won’t agree. After 1 month he passed away. 😢 His wife and c...
08/02/2026

Mr. Client quietly started his insurance, worried his family won’t agree. After 1 month he passed away. 😢 His wife and children received ₱1.5 M. Condolences to the family.

Credits to rightful owner of this post: Rico Castrence Fulgar Jr.

𝑰 𝒈𝒐𝒕 𝒃𝒊𝒕𝒕𝒆𝒏 𝒃𝒚 𝒂𝒏 𝒊𝒏𝒔𝒆𝒄𝒕 𝒂𝒏𝒅 𝒉𝒂𝒅 𝒕𝒐 𝒈𝒐 𝒕𝒐 𝒕𝒉𝒆 𝑬𝑹. 𝑪𝒂𝒏 𝒕𝒉𝒊𝒔 𝒃𝒆 𝒄𝒍𝒂𝒊𝒎𝒆𝒅 𝒖𝒏𝒅𝒆𝒓 𝒎𝒚 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆?Having no HMO is scary. You do...
08/02/2026

𝑰 𝒈𝒐𝒕 𝒃𝒊𝒕𝒕𝒆𝒏 𝒃𝒚 𝒂𝒏 𝒊𝒏𝒔𝒆𝒄𝒕 𝒂𝒏𝒅 𝒉𝒂𝒅 𝒕𝒐 𝒈𝒐 𝒕𝒐 𝒕𝒉𝒆 𝑬𝑹. 𝑪𝒂𝒏 𝒕𝒉𝒊𝒔 𝒃𝒆 𝒄𝒍𝒂𝒊𝒎𝒆𝒅 𝒖𝒏𝒅𝒆𝒓 𝒎𝒚 𝒊𝒏𝒔𝒖𝒓𝒂𝒏𝒄𝒆?

Having no HMO is scary. You don’t know how much it will cost, yet you still have to go to the hospital because the pain is unbearable.

Then I suddenly remembered: my benefits include personal accident coverage. It’s reassuring to know that no matter the bills, there’s peace of mind that insurance has your back.

But the biggest question hits: is this even covered? It’s just an infected insect bite…

I went ahead and made a claim. Truth is, I have no clue if it’ll be approved… all I can do is hope. 𝐁𝐲 𝐆𝐨𝐝’𝐬 𝐠𝐫𝐚𝐜𝐞, 𝐦𝐲 𝐜𝐥𝐚𝐢𝐦 𝐰𝐚𝐬 𝐚𝐩𝐩𝐫𝐨𝐯𝐞𝐝 𝐚𝐟𝐭𝐞𝐫 𝟑 𝐝𝐚𝐲𝐬! 🙏✨

If you’re wondering, personal accident is a coverage that protects you financially when unexpected accidents happen whether it’s injury, disability, or worse. In short, it helps cover medical costs so you don’t carry the financial burden alone.

Yes, even things like animal or insect bites may be claimable (depending on your policy, check with your servicing agent).

Whether it’s a small sting or a major accident, they can happen anytime. The best you can do? Make sure your mind is at ease and you’re financially protected. 😌💼

06/02/2026

Not all people like VUL products and that’s okay. I do.

Protected today. Investing for tomorrow. I’m retirement ready.

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Makati City
Makati

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