Atty. Bryan Villarosa

Standard vs. Sub-standard rates

“Substandard rate” – refers to premiums charged to persons who are considered higher-than-average risk categories or applicants with moderate physical impairments. Increased rates. Applicants with sub-standard risks may be insured at increased

Other life insurance types

Modified Life Policy is where the initial premium rate applies to the first 5 years of the policy and a higher premium rate applies to the remainder of the premium-payment period. “Joint

Traditional Life Insurance

What is Traditional Life Insurance? Policyholders do not have investment options but may savings or guaranteed cash components Premiums, cash values and death benefits are pre-determined Implicit charges The reason why it

Factors affecting life insurance policy

Life insurance applications usually carry large amount of information relating to the insurability of the applicant such as employment, medical condition, and family history. Why do insurance company need to appraise the

Best Life Insurance in the Philippines

The best life insurance in the Philippines can be determined by its financial reports. This means that a company is trusted, stable, and has enough assets to keep its promise of security. 

Republic vs. Labrador Digest

Facts Labrador filed to have the name appearing on the birth certificate of Sarah Zita Cañon Erasmo changed from “Sarah Zita Erasmo” to “Sarah Zita Canon” and that the name of Sarah

Chua Keng Giap vs TAC

When the mother herself denies someone as her son, no one else, even the Supreme Court, can question that. It is only her who knows if that person came out from her