We Moms Always Think Ahead
If there’s one thing motherhood teaches you, it’s to always be ready. Whether it’s an extra baon in your kid’s lunchbox, or saving for “just in case” moments — we always plan ahead.
But when it comes to finances, many of us tend to skip one important thing: insurance.
It sounds intimidating (and sometimes expensive), but once you understand insurance basics, it becomes one of the best tools for peace of mind.
Let’s simplify it together, mom-style!
1. Health Insurance – The Must-Have Insurance Basics
When a family member gets sick, it’s not just stressful…. it’s also expensive. Health insurance helps you handle those costs without breaking your budget or dipping into savings.
If your family doesn’t have coverage yet, check out:
- PhilHealth – basic but useful
- HMOs like Maxicare, Intellicare, Medicard – offer more coverage for hospitals and checkups
- Online insurance apps – GCash, Singlife, or AXA have affordable plans for as low as ₱300/month
👉 Tip: Compare plans before signing up. Sometimes your child’s school or your husband’s company already provides partial coverage — use that!
2. Life Insurance – Love That Lasts
Life insurance isn’t just about money — it’s about security.
It ensures that if something happens to you or your partner, your kids’ needs (education, food, shelter) will still be taken care of.
Types to consider:
- Term Life Insurance: Cheaper, covers you for a specific period.
- Whole Life Insurance: Costs more but builds cash value over time.
If you’re just starting out, term insurance is fine. You can always upgrade later as your income grows.
3. Car & Home Insurance – Optional, But Helpful
If you have a car, basic coverage is required by law. But you can upgrade for better protection (like theft, flood, or accident coverage).
Home insurance, meanwhile, protects you from fires, natural disasters, and theft — things we can’t control but can prepare for.
These are optional, but if your family already invested in a home or vehicle, they’re worth it.
4. Education & Investment-Linked Insurance – For the Future
Some policies now combine insurance and investment. These are called VULs (Variable Universal Life) — they protect your family while also helping your money grow.
Just remember: not all investments are created equal. Talk to a trusted financial advisor or compare online before you commit.
Mommy Peach Note
Insurance may not be the most exciting topic — but it’s one of the smartest acts of love you can give your family.
Start small. Even a ₱300/month plan can make a big difference during emergencies.
Because at the end of the day, being insured is being assured — and that’s what every mom deserves. 💕
