Jacklord Esguerra 

Lately, mas marami akong “Thank you, Lord” Mula sa “Lord, help mo ako.” Kaya palaging humingi ng guidance, kapag may sipag ka bilang tao at tiwala sa Diyos— makukuha’t makukuha mo talaga ‘yung desire ng puso mo. Lalo kung dini-deserve natin.

Napansin ko sa mga client kong 6-digit earners: Bago sila kumuha ng insurance, pinag-iisipan muna talaga. Kahit busy sa work at business, uma-attend sila ng meeting. Dahil ang insurance plans, hindi basta lang kinukuha— dapat ina-align sa goals at budget.

Tips para umangat ka sa buhay: 📌Maging honest ka sa mga ka-transact mo 📌Tuparin mo ‘yung commitment mo 📌Pag may project ka, bigay mo 100% mo 📌Huwag mo ipagpalit ang integrity mo sa pera 📌Magdasal, gawin ang tama, maging mapagkumbaba

Kudos to all seafarers who prioritized getting insured as early as January 2026 Usually, kapag nasa pagsi-seaman ka, walang benefits. Kaya mahalaga na may life at health insurance tayo. Dagdag pa ang investments. Set aside 5% for your insurance, to protect 100% of your income.

Kahit na may mga insurance na pwede ka mag-apply kahit may pre-existing condition ka na… Iba pa rin ang makakuha ng regular plan habang healthy ka. 📌Mas malaki coverage 📌Mas maraming benefits 📌Mas affordable

Hindi mo kailangang mamili kung gagastusin mo ba sa Pasko o sa insurance ang bonus mo. You can do both. I recommend that you spend portion of it for your family. Sila ang deepest WHY mo. But also, a small part of your bonus today can save you from a huge expense tomorrow.

Tips to kickstart your 2026 with MONEY: 📌Huwag ubusin lahat ng 13th month ngayong Pasko 📌Magtabi kahit 30-50% ng bonus mo 📌’Wag ma-pressure magbigay ng gifts kung wala kang emergency fund 📌Mag-set aside sa insurance or investments, trentahin na tayo, kailangan ‘to

“I thought health insurance was a waste of money. Then, I had a stroke… and it saved me from spending millions.” - A client who recovered from stroke 🙏🏼

Sa mga nag-aabang ng 13th month pay at bonus para magpa-rebond… Kumuha ka rin ng life insurance at investments ha. Huwag ka papayag na hair mo lang ang straight— dapat pati ang daan sa future mo tuwid.

This Christmas, ang ibigay mong gift sa nanay mo ay life insurance. Maiba naman. Kahit 60-70 years old na siya, pwede na today. May mga bagong insurance plans ngayon na pwedeng i-insure ang senior citizens, tapos auto-approve pa. For as low as P2,500 monthly. 💛

Sign of aging daw kapag puro na insurance ang nasa feed mo. Pero sign of maturity kapag kumuha ka talaga ng insurance dahil importante, nag-open ka pa ng saving at investing accounts, tapos may HMO ka pa for full protection. ‘Yan ang aging like a fine wine. 🍷

Not every battle is visible. If you’re struggling in silence, please reach out. Your family loves you. Your friends cherish you. You are not alone… and you never have to go through it alone. Huwag mong iisipin na burden ka sa mga mahal mo.

This Christmas… Ang i-gift mo na naman sarili mo ay life insurance o HMO o investments It’s one way to respect your money and celebrate your wins this year.

Challenge yourself to earn extra P20,000 to P30,000 bago mag-Pasko 📌Pambili ng handa 📌Pampa-games sa mga bata 📌Pang-donate sa charity 📌Pang-treat sa sarili mo 📌Pandagdag sa insurance o savings Make your holiday season more exciting kahit matanda na tayo. 🌲✨

To all people who are in services and sales industry… Darating ‘din ‘yung araw na hindi mo na kailangan maghabol ng kliyente para magkaroon ng isang closed deal. One day, ikaw ang hahanapin ng tao. One day, wala silang ibang gusto, kun’di ang serbisyo mo.

Why we have to take our finances seriously? No one will save for you. Mahirap mawalan ng pera. Mahirap ma-zero. Mahirap umasa kamag-anak. Mahirap tumanda ng walang wala ka. More than enough reason to be wise in handling our finances. Habang bata at healthy, ‘wag abusin.

Kung nasa 40s or 50s ka na at feeling mo, wala kang maipapamana sa mga anak mo… Don’t feel too bad. A life insurance policy might be the most underrated legacy you’ll ever leave, hindi man ito lupa o bahay. It guarantees your family’s future, kahit wala ka na sa tabi nila.

One medical emergency can wipe out the savings you worked hard for all these years. We don’t want that to happen to you. Hangga’t maari, maglaan kahit small amount ng income mo para sa health insurance at HMO. This way, hindi vulnerable ang savings mo.

Burdens of the breadwinners: 📌Sahod mo pang-isang tao, pero pagkakasyahin mo sa pamilya 📌Wala kang maipon para sa sarili mo 📌Kahit may gusto kang bilin, uunahin mo ang bills sa bahay 📌Bigay ka nang bigay, pero walang nagtatanong kung “okay ka pa ba”

Financial Goals before 2026: 📌At least 100K savings 📌Get insured for at least 1.5M 📌Get an HMO or Health Plan 📌At least 50K investments in stocks/gold 📌20K for FUN purposes (shoes, bags, gadget, travel, etc)

3 MUST HAVE to achieve financial protection: 🐖 Savings — para sa life goals mo. ex. travel, gadgets, properties 🛡️ Insurance — protection mo at ng family mo. ex. passing away, critical illness 🏥 HMO — para sa check-ups, lab tests, dental, physical exams Ito ang pundasyon.