A brokerage built on trust, not quotas
FUL was founded in Cebu City in 2008 by a team of insurance professionals who believed Filipinos deserved unbiased advice — not products pushed by commission targets.
Today we protect over 8,400 families and businesses across the Philippines, placing coverage with 10+ leading insurers. We are proudly independent — licensed by the Insurance Commission and bound only by your best interests.
12,600+
Families & businesses protected
₱3.4B
Coverage placed since 2018
4.9★
Average Google rating
98%
Claims approved & assisted
Why clients choose FUL
Independent advice
We're not tied to any one insurer. We shop the market and recommend what's truly best for you.
Licensed & compliant
All advisors hold valid IC licenses and operate under the Insurance Commission of the Philippines.
Cebu-based, Philippines-focused
From Cebu IT Park, we serve families and businesses across the Visayas, Luzon and beyond.
Claims advocacy
When you need to claim, we're on your side — liaising with the insurer until you're paid.
Your dedicated advisors
Maria Elena Restauro
Senior Financial Advisor
IC-LIC-0098231
John Carlo Tan
General Insurance Specialist
IC-LIC-0102874
Grace Villamor
Health & Employee Benefits Lead
IC-LIC-0110552
Raymond delos Santos
Mortgage & Financing Advisor
IC-LIC-0114907