Let’s be honest — insurance isn’t exactly a hot topic sa kapehan o inuman. But it should be. Because what you don’t know (or worse, what you believe without checking) can cost you big time.
Maraming Pilipino ang natatakot sa insurance, not because of facts, but because of myths passed down or picked up somewhere. These myths don’t just create doubt — they delay protection. And sometimes, the delay becomes too late.
So today, let’s break them down.
Here are the top insurance myths that every Filipino should finally let go of — and the real truth you deserve to know.
🧠 Myth #1: “Hindi ko kailangan ng insurance, bata pa ako.”
Real Talk:
The younger you are, the better your chances of getting affordable, comprehensive insurance.
At 25, you can lock in low premiums and build long-term protection while you’re healthy. Delaying it means paying more — or worse, becoming uninsurable.
💡 Think of it as planting a seed. Start early, let it grow.
💸 Myth #2: “Insurance is too expensive.”
Real Talk:
Ang hindi alam ng karamihan, insurance is flexible — especially now. There are basic term plans that start at ₱1,500/month. That’s less than a Friday night out or two food delivery orders.
More than affordability, it’s about priorities. What’s more expensive: ₱2,000/month now for protection, or ₱2 million in unexpected hospital bills later?
💡 Insurance is not a luxury. It’s a shield. And everyone needs one.
🏦 Myth #3: “Life insurance lang ’yan — hindi ko naman mapapakinabangan.”
Real Talk:
That used to be true decades ago. But today’s insurance products have evolved.
Modern insurance now comes with:
- Living Benefits – get payouts for critical illness, hospitalization, or disability
- Investment Growth – VUL plans help grow your money while protecting you
- Retirement Income – receive payouts later in life as pension-style benefits
💡 You don’t need to die to benefit from your insurance. It’s protection for the living.
🤷♀️ Myth #4: “Baka maloko lang ako, hindi ko maintindihan.”
Real Talk:
You don’t have to understand everything on day one. That’s what licensed financial advisors are for.
A good advisor will walk you through the plan, explain all the terms, and recommend options based on your budget and needs.
Ang tunay na “nakakapanloko” — ay yung hindi mo naiintindihan pero pinirmahan mo. That’s why education comes first. Kaya nga ako andito.
💡 You don’t need to be an expert. You just need to ask the right person.
🧓 Myth #5: “Meron naman akong HMO, okay na ’yun.”
Real Talk:
HMOs are great — but limited. They usually cover outpatient care, minor procedures, and have annual limits. Pag major illness or surgery na, or long hospital stays, you’ll need more than an HMO.
That’s where insurance steps in.
- Critical Illness Coverage
- Hospital Income Benefits
- Medical Reimbursements
- Income Replacement during Recovery
💡 Your HMO is for today. Your insurance is for the bigger storms.
🔁 Myth #6: “Sa tagal ng plan, baka hindi ko ma-sustain.”
Real Talk:
This is a valid concern — but again, it all comes down to proper planning.
There are limited pay options, short-term plans, or flexible policies that you can adjust along the way. The goal is sustainability — not strain.
That’s why I always sit down with my clients and review their income, expenses, and goals before recommending anything.
💡 You don’t have to go big. You just have to start.
💬 Final Thoughts: Let Go of the Myths, Embrace the Facts
These myths have kept too many people unprotected for too long.
It’s time to change the narrative — not just for ourselves, but for our families. Insurance is not a scam. It’s not a burden. It’s a lifeline.
And with the right guidance, it can be one of the best financial decisions you’ll ever make.
📩 Still have questions? Let’s talk.
I offer no-pressure consultations for people who just want to learn and decide later.
✅ I’ll walk you through the options.
✅ I’ll help you understand what’s real and what’s hype.
✅ And I’ll help you choose peace of mind — on your terms.
Message me today or book a free discovery call through my website.
Let’s build your safety net, together.
Life With No Regrets 
Leave a comment