The right insurance, explained clearly and placed fast.
FUL compares 10+ top Philippine insurers so you get the best cover for your budget — life, health, motor, education or business — with a licensed Cebu advisor by your side.
Free, no-pressure advice · Reply within 2 hours
8,400+
Families & businesses insured
₱2.1B
Coverage placed in 2025
98%
Claims approved & assisted
10
Top insurer partners
Protection for every stage of life
As an independent broker we compare all leading PH insurers — no quotas, no bias. Just the best plan for you.
Life & VUL Protection
One plan that protects your family and grows your money.
From ₱1,500/month
Health & HMO Cover
Walk into any top hospital in Cebu without worrying about the bill.
From ₱950/month
Car & Motorcycle Insurance
CTPL is the law — comprehensive is peace of mind.
From ₱480/month
Loan & Mortgage Protection
Don't let a loan become a burden to the people you love.
From ₱650/month
Travel Insurance
From a Siargao weekend to Schengen visas — covered.
From ₱320/month
Education & Savings Plan
Lock in your child's college fund — rain or shine.
From ₱2,000/month
Business & SME Cover
Protect your shop, your team, and your trade.
From ₱3,500/month
Covered in 4 easy steps
Tell us your goal
Share what you want to protect — family, health, car, loan or business. Two minutes, no jargon.
Get matched & quoted
We compare top PH insurers and send you a clear, side-by-side quote — not a sales pitch.
Meet your advisor
Online or at our Cebu IT Park office. Ask anything; we explain every term in plain language.
Sign & stay covered
Sign digitally, pay via GCash/Maya, and we manage renewals and claims for life.
Life & health — the most asked-about plans in Cebu
Life & VUL Protection
One plan that protects your family and grows your money.
₱1,500
/month indicative
- Tax-free death benefit
- Investment fund that grows over time
- Critical illness & accident riders
- Flexible top-ups and withdrawals
Health & HMO Cover
Walk into any top hospital in Cebu without worrying about the bill.
₱950
/month indicative
- Cashless hospital admission
- Annual physical & lab cover
- Critical illness lump sum
- Dependents & maid coverage
Licensed, expert advisors
Real clients, real results
“Na-admit ako sa Chong Hua and the cashless process was seamless. FUL's advisor even followed up while I was confined. Worth every peso.”
Anna Lou P.
Cebu City
“Maria Elena explained VUL without the usual sales pressure. She compared term vs VUL honestly and helped me pick what fit my budget.”
Mark Anthony G.
Mandaue
“Got my CTPL same day for LTO renewal, then upgraded to comprehensive after the floods last year. Fast and friendly.”
Jessa M.
Lapu-Lapu
“Started an education plan for our daughter. The payor waiver gave us real peace of mind. Highly recommend FUL.”
Dr. Reyes Family
Talisay
“They bundled our fire, property and staff HMO under one renewal date. Saved us money and a ton of admin.”
BrewLab Coffee Co.
Cebu IT Park
“Needed Schengen-compliant travel insurance fast. Issued within the hour and my visa got approved. Salamat FUL!”
Kim S.
Cebu City
Trusted by — 10+ top Philippine insurers
Ready to protect what matters most?
Book a free 30-minute consultation with a licensed FUL advisor — online or at our Cebu IT Park office. No obligation.