Guides from your Cebu advisors
Plain-language insurance education written by FUL's licensed advisors. No jargon, no sales pitch — just what you need to know.
VUL vs Term Insurance: Which Is Right for Filipinos in Cebu?
The most-asked question at every consultation. We break down the key differences, who each product is for, and how to decide without the sales pressure.
HMO vs Health Insurance in the Philippines: Know the Difference
Many Filipinos confuse HMO with health insurance — they're different products with very different benefits. Here's what you actually need.
CTPL vs Comprehensive: What Every Car Owner in Cebu Needs to Know
CTPL is the law, but it barely covers anything. After the Odette floods in Cebu, we saw why comprehensive matters. Here's the full breakdown.
Why Every Filipino Parent Should Start an Education Plan Before Their Child Turns 5
College tuition in the Philippines is rising 8–12% per year. A plan started at birth costs half what you'd pay starting at age 10. The math is simple.
Travel Insurance for Schengen Visas: What Philippine Passport Holders Must Know
Getting rejected for a Schengen visa because of the wrong travel insurance is more common than you think. Here's exactly what the embassies require.
Why Cebu SMEs Are Losing Good Staff (And How Group HMO Fixes It)
Salary is no longer the only thing talent compares. In Cebu's BPO and tech scene, group health benefits are now table stakes. Here's how to structure them affordably.
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