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Sunday, November 28, 2021
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How fathers can protect themselves and their families

“A FATHER’S tears and fears are unseen, his love is unexpressed, but his care and protection remain as a pillar of strength throughout our lives,” says Sri Lankan author, painter and scholar Ama H. Vanniarachchy.

A father’s roles have evolved through the years. He could be the family’s breadwinner, working to earn a living, or a househusband and homemaker. What does not change though, is how he is to his family: loving although he may not always express it, but caring and protective, always trying to give his best for his family.

But giving one’s best entails a lot of things especially during these trying times. In the last year, it has been proven many times over how fleeting life is and how important it is to have good health.

One could be a young father, with a small family including a newborn to take care of. Times are tight but one also wants to ensure he has a back-up plan in case he gets sick, or worse, unexpectedly passes away. But most don’t want anything complicated, and because they are testing the waters, they want something easy to understand without complex insurance terms. They also want to extend the protection to their loved ones without breaking their wallet.

One could also be a father who wants a bigger health coverage not only against Covid-19 but against certain illnesses such as cancer, heart attack or stroke, but doesn’t want to pay a high price for a whole year of coverage. One may want to test the waters too but may not be thinking of committing to a long-term life insurance with health coverage so he would like to try having one for a year.

Others may want to have a health insurance that gives bigger protection against critical illnesses and wouldn’t mind paying a higher premium because they are, after all, going to get bigger benefits from it.

Whatever one’s situation in life is, there is a way for him to provide himself and his family the protection they need, because Insular Life (InLife), a fellow Filipino, has his back.

If one wants immediate coverage for himself and his family, and he can do online shopping, InLife’s Lazada Flagship Store is a good starting point. For P260, InLife’s Family Shield can give accidental life insurance protection for the policy holder (P50,000,) his spouse (P25,000) and their child (P12,500,) as well as accidental medical and surgical expense reimbursement. Or if one wants protection not just for himself but also for his parents, InLife’s Parent Shield, for a one-time payment of P285, can provide both accidental death and disability, as well as accidental medical and surgical expense benefits for him and his parents. These and more may be availed of via the InLife Lazada Flagship Store at https://www.lazada.com.ph/shop/insular-life-ph.

If one belongs to the second kind and would like to be protected against certain illnesses that are deemed to be the top causes of deaths such as cancer, heart attack and stroke (Chas), InLife’s Prime Secure Lite may be the one for him. Prime Secure Lite is an affordable plan starting at ₱2,500 that one may avail of online conveniently and safely without the burden of medical checkups. This plan provides term life insurance for one year and additional Covid-19 coverage for six months. To get Prime Secure Lite, one may simply go to the InLife Store, https://www.inlifestore.com.ph/prime-secure-lite.

Finally, if one would like a much higher coverage against critical illnesses, InLife’s Prime Care is the answer. Prime Care is a yearly renewable critical illness plan. Not only does it give a lump sum cash if one is diagnosed with any of the covered critical illnesses, it also gives cash benefits that can help in the initial and ongoing treatment costs for 30 months, so it doesn’t become a burden for his family and he can focus on getting healthier and better. In case of total and permanent disability, it gives an additional lump sum amount on top of the cash allowances. For more information, one may visit https://www.inlifestore.com.ph/prime-care.html.

Whatever one does, a father’s foremost job is to care for and protect his family. While this could be a daunting task, things can become much easier if one has a partner willing to share the responsibility with him. InLife does this best. For more information on InLife’s products, one can visit https://www.insularlife.com.ph/ or email the company at inquiry@insular.com.ph to be referred to a financial advisor. SPONSORED CONTENT


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