Who I help / OFWs
There is an employer policy you were handed in a language you half read, and a set of Philippine benefits you have not touched in years. Nobody has ever put the two side by side.
Free · About 5 minutes · No obligation
WHAT THE SURVEY FINDS
01
You were given a benefits booklet on arrival, possibly in a language you only half read, and you have not opened it since. It may be generous. It may be close to nothing. Right now it is neither, because it is simply unknown.
02
SSS, PhilHealth, Pag-IBIG. Some OFWs keep contributing, many quietly stop, and almost nobody knows what their record currently entitles them to. That is a five minute check with real consequences for your retirement.
03
Whatever your host country or employer provides is usually tied to the visa and the job. It very rarely walks back through NAIA with you, which is exactly the moment your family assumed it would be there.
04
Years of sending money, and nothing structural to show for it. Not through carelessness. A remittance with no plan attached to it becomes household consumption by default, because that is the only instruction it was ever given.
AFTER THE SURVEY
All of this runs on Zoom, so the only thing that matters is which hour suits you. We do exactly what we would do across a table: put your employer’s cover, your Philippine benefits, and your remittance on one page, and see what the three of them actually add up to. Then we build something that keeps working whether you are in Dubai, Singapore, or back in Bulacan, and that will not quietly lapse because a payment was missed while you were at sea.
WHAT GETS DRAWN
Which of these end up in your drawing is decided by what the survey turns up, not by what I would like to sell.
If your income stopped, this is what keeps the rent paid and the tuition current while the household works out what happens next. For a breadwinner it is the first thing we size and the last thing we cut.
Critical illness and hospitalisation cover that pays on diagnosis. The whole point is that the money arrives before the bills do, so nothing has to be sold in a hurry at the worst possible time.
Run your actual SSS figure and most people go quiet for a moment. This is the fund that closes the distance between that number and the life you had been quietly assuming.
Tuition arrives on a date you already know and it does not negotiate. Funding it deliberately is the difference between a plan and a scramble.
Long term, pointed at a goal you can say out loud. Not a tip, not a flip, and not something you feel you have to check every morning.
Bring whatever you already own, from any company. I will read it properly and tell you what it does, what it does not, and whether it is worth keeping. Frequently it is, and that conversation costs you nothing.
SAID OUT LOUD
Generally yes. Filipino citizens working overseas can hold Philippine life insurance, and the whole process, from assessment to signing, can be done remotely. There are country and occupation exceptions, particularly for high risk work and certain conflict regions, and I will tell you early and plainly if you fall into one rather than after you have filled out an application.
It really does not. I run sessions early morning and late evening Manila time for exactly this reason. Put your city in the assessment and tell me whether morning, afternoon, or evening works where you actually are, and I will book into your day rather than mine.
BEGIN
Rodel Hermogenes reads every answer himself before you speak. It is free, it takes about 5 minutes, and it ends with a session booked at a time you pick.
Free. About 5 minutes. No obligation.