Jocelyn used to have a job, but since it was contractual, she found herself without a source of income months after. Heral is to see her three children finish college and escape poverty. Insurance will be of great help in securing her family's future.
Gediom dreams of his children to finish their studies. Having had life-threatening illnesses such as dengue before, he would like to be insured so that his children could have financial assistance in case something happens to him, especially since his work as a security guard puts his life at risk.
Bebelyn is a housewife and mother of six. She hopes to see her children finish school, but because their finances are limited, they have to adjust and make sacrifices. When her childrent sick at the same time, Bebelyn was forced to borrow money just to pay for the hospital bills. Insurance can grant her and her family financial security in the future.
Anilene had to stop her education because of financial problems. Now, she works as a weaver in their
local cooperative so she and her husband her four children can go to college and eventually find good
jobs and have a better future. Insurance is something she needs as a financial protection for her family.
Marites tries her best to put her two children to school even if she doesn't have a permanent job. For her, having insurance will help secure her children's future.
Evangeline and her partner try to make ends meet day-to-day, but the former’s income as a housekeeper is barely enough. They have to stretch out their money to help not only themselves but their extended family as well. Evangeline is young at 22 years old, but the unexpected can happen at any moment, and insurance will financially support her family in that regard.
Lewis` asthma has been causing problems for him when he works in the fields as a farmer. However, he has to work hard, otherwise his wife and children would not have anything to eat. He hopes to one day own a small business in his hometown. During times of emergency, insurance can aid Lewis and his family.
Due to poverty, Mary Jane was unable to finish her high school education. This has affected her capability to get a job that pays enough for her family`s needs. She has to stretch the $100 she earns monthly in order to make ends meet. For Mary Jane, financial assistance in the form of insurance will be beneficial.
Noemi and his husband Christopher struggle to make ends meet, especially with her hearing impairment. Her inability to provide for her family has taken a toll on her confidence and self-esteem as a mother. To prevent further financial and emotional burden, insurance would be beneficial for Noemi.
Jay Marie lives with her relatives because she has no financial capability to build a home that she can call her own. She admits that money is difficult to come by for people like her who were unable to finish grade school education. Jay Marie wants to have insurance so that when she leaves her family behind for good, they will be set for life.
Farming at age 58 is a challenge for Rosita, but with her six dependents, this is something that needs to be done. She earns only around $40 a month from farming, that’s if drought does not affect her farm. For her protection, she will be needing insurance.
Antonio's home was destroyed during a storm years ago. He says his family had nothing to eat or drink, and they had no electricity. Even though they have slightly recovered from the incident, they still live in poverty. When other calamities affect Antonio's family once more, insurance can cover them.
Felicidad constantly worries about how she can improve her family's quality of life. Although she and her husband Reynato are both working, Felicidad feels they do not have enough money to set aside for emergency situations. Insurance can guarantee that her family will be protected when the unexpected happens.
Rogelio is a construction worker. His wife Leonela has hypertension, which she needs daily maintenance medicines for. His son used to help him earn money, but when the former met a work-related accident, Rogelio had to work twice as hard to provide for his family. He is aware of the possible accidents when it comes to construction work, so he feels that getting insurance will secure his family's future.
Vicente’s four children depend on his income as a farmer to sustain their needs both at home and at school. However, he met a motorcycle accident years ago, which left him immobile. His family ran out of funds because of it. To avoid further financial problems like this in the future, insurance for Vincente will be a great help.
Alvin was raised by his mother alone because his father died at an early age. He now tries to give back to
his mother by taking on whatever job is available. He’s a farmer who does weaving on the side for extra
income, but he hopes for a more stable job that pays well. With insurance, he’s assured that that he’ll
have something for his family in case something happens to him.
Gloria tends to a small farm where she also gets her crops to feed the family. But during times of drought or typhoon, the crops would be ruined, and Gloria`s family would not have food to eat. She says that during times of emergency or disaster, insurance will help her loved ones greatly.
Glyn works hard day in and day out on the road as a trisikad (rickshaw) driver. He stretches his income in order to accommodate his family's basic needs, their children's education, and their budget for emergencies. Having insurance guarantees that Glyn's family will be protected during calamities or other unexpected instances.
Marissa wants to empower single mothers like her by providing them with livelihood, something she does for a living as a project coordinator of her local cooperative. She, however, also has her own struggles – she works hard to help her mother who is sick. In case of emergency, she needs insurance for financial assistance.
Emily is part of a livelihood cooperative in her community, working as a weaver. She earns only $30 a month, and admits that it is not enough to sustain their everyday needs. She wishes to see her youngest child finish college and find a stable job. Emily says that insurance will help alleviate hardships should something unexpected happen to their family.
Maribeth wants to see her three children graduate from college, something she was unable to do due to lack of funds. She currently works as a farmer in her town. Maribeth considers insurance to be vital, but could not afford it due to financial problems.
Jenny May was estranged from her family, so she has nobody to rely on except herself. She used to have the financial support of her family, but now she has to fend for herself. Still, Jenny does not stop caring for them - she wants to be insured so that her family will get financial aid no matter what happens.
Melinda and her husband earn less than $100 a month. Aside from weaving, they have a rice paddy and a small animal farm as sources of income. However, typhoons ruined their crops and killed their animals, resulting in loss of their investment and income. Insurance will guarantee that Melinda’s surviving loved ones will have financial aid in the future.
Crisologo was fortunate to have graduated from high school, unlike most people in his community who barely finished their grade school. However, he still holds a menial job as a chicken vendor and could not provide enough food for his own family. Insurance can help Crisologo's family, especially during times of emergency.
Christopher is a laborer in the province, taking on construction work whenever needed. Because there are times when work is scarce, his family would for months on end with barely enough to eat. They would greatly benefit from the financial assistance that insurance provides.
At age 62, Emelia still tends to her farm, alone as her husband has already died. She uses her income from farming for her grandson’s education. However, drought would sometimes affect her produce. Also, having been hit by a motorcycle once, she would like to be protected by insurance now, but with her situation, she cannot afford it.
As a mother, Evelyn only wants the best education for her daughter. But because she only makes $32 a month, Evelyn was forced to pull her daughter out of school. She hopes to eventually provide her daughter the schooling she needs. Insurance will provide Evelyn and her family a financial blanket in times of emergency.
After losing a family member, Chaniel got depressed and felt lost. Now 18, she works as a finance staff to support her family. This, however, is not a permanent job, and she would like to have one so she can be more financially stable. She also wishes to be insured for the benefit of her siblings.
Lilia, 64, was hospitalized due to a heart ailment. She no longer works and only relies on her husband for
their needs. Their youngest child is still in school, and her only wish is for her child to finish it and
eventually find work to help the family. Until then, she will need insurance for financial security.
At the age of 32, Jenelyn already suffers from hypertension. Aside from the pain, she also has to worry about the expenses for her medication. She wants to make sure that her six dependents will not go empty-handed if something happens to her, so she would like to have insurance.
When Rosalie was stricken with illness years ago, she had to quit her job. This meant one less source of income to support her husband and children. Now she is a housewife, helping out in any way she can. Insurance will avoid Rosalie’s family from experiencing financial loss in the event of an emergency.
A taxi driver, Amer says there will be times when he would earn a lot while there are some times when passengers are extremely limited or none at all. He works hard to be able to pay for his children's education. Amer hopes to get insured to help out his family especially during times when one of his loved ones falls ill.
Alberto was not able to finish college, but even now at the age of 35, he still dreams of finishing it someday. That’s why aside from farming, he holds a post in his local village so that he gets extra income while serving his community. He’s looking at insurance for financial safety in case of emergency.
Jaclyn works as a utility woman. Her salary is not enough for the needs of her three dependents, and this has been giving her financial problems. With debts she is still yet to pay, she cannot afford to have insurance though she knows its importance.
Vilma has to work for the education of her two children alone after her husband could no longer work
due to a motorcycle accident. Because her father died due to prostate cancer and left them with
nothing, she know the value of insurance. However, with her less than $30 monthly income, she would
rather spend on her family’s basic needs.
Noel is currently unemployed, and he finds it difficult to find the money to send his 10 children to school. He currently has a nose polyp that needs surgery, but he does not have the financial capability to seek a medical doctor. He knows that the aid guaranteed by the insurance will provide for his entire family in case he meets an unfortunate event.
Helen dreams of having her own sewing machine so she can start her dressmaking business to help her
husband send their three children to college. This also ensures that they have steady income even when
her husband has no work, which already happened when he got into a road accident. Insurance is
something she also hopes to have for her family’s protection.
It was very painful for Clarisse when she lost her father. Depite of her sorrow, she still strives to do well in school with the hope of finishing college and soon, be able to earn to help her family. With microinsurance, she will help her family sustain basic needs intimes of emergencies.
Jocelyn has been cured of leprosy, but she still experienced discrimination and could not find work. She
earns income as a member of their local cooperative, but it’s not enough to fulfill her dream of sending
her adopted child to college. With insurance, she’ll be assured that her family will have financial help
when something happens to her.
Reagan is a vegetable vendor who hopes to earn enough to send his two children to a reputable college. He says that providing a better future for his children is important to him. Reagan's family is currently renting a living space, and aims to buy their own property eventually. He says that through insurance, he is giving hope to his family.
Nilo's dream for himself is to have a stable job that pays enough for his family's needs. He also wants for his children to finish their education. Sadly, he had to make necessary sacrifices so their family can stay afloat financially. Nilo and his loved ones can benefit from any kind of financial aid.
Gelyn’s husband lost his job, and her income as a weaver, around $56 per month, is not enough for the
needs of her three children. Until her husband finds work, she has to do her best so she can send her
children to school. She would like to have insurance but cannot afford it currently.
Angeline works long hours as a weaver in order to support her family of six. She says her $80-a-month salary is not enough to cover all expenses should an emergency arise. Insurance will greatly benefit Angeline and her family.
Rose Ann and husband Leonito struggle to make ends meet every day. Her weaving business does not always earn her enough money, so when somebody from her family gets sick, she does not know where to get the funds for medicine. If something unpredictable happens, Rose Ann will be appeased knowing that she has insurance.
Shellami has six children depending on her, all of which she wants to send to school. However, her
income of around $40 per month as a housekeeper is not enough for her dream. With insurance, she’ll
know her family will have financial security when something happens to her.
Salvacion does embroidery as part of their local cooperative, in which she earns around $66 per month, a small amount considering she has five dependents. With her situation, she will need insurance in case she gets into an accident.
Earning just less than $10 a month as a member of her local cooperative, Zeneth wishes she had finished
her education so she would have had a job that pays well to send her children to college, something she
herself was not able to do. Insurance would be a great help to her family.
Gennine is a working student, taking part in the local livelihood cooperative as a handicraft weaver while in college. She previously had to stop going to school due to financial constraints, and worked as a nanny. Because life is difficult for poverty-stricken families like hers, Gennine aims to have insurance as a means to provide a good life for them.
Sophia is a wife and mother. She works as a farmer in her small rural town, and says her job is difficult. Being out in the heat has caused her blood pressure to go up. However, she has to keep working in order to provide for her loved ones. Insurance will provide a financial net for Sophia`s family in the future.
Marzenith borrowed money from the bank for her family’s onion farm, but a typhoon destroyed it and
they are yet to repay the loan. On top of this, she still has to have their house repaired. With insurance,
she will have one less thing to worry about.
After an unexpected motor accident, it has been hard for Arante and his family to get by. Even if he has insufficient income, however, he tries to provide for his family and to recover from financial loss. Getting insurance will help lessen the worry in his heart for any other uncontrollable circumstances that may put his family in discomfort.
When she was a kid, Jocelyn had to stop going to school because her parents could not afford the tuition. Now that she has children herself, she wants them to graduate from college. She keeps the dream alive by working hard as an embroiderer in her community. Insurance will be helpful to Jocelyn and her loved ones should something unfortunate happen.
Marjorie gets rice from the farm they own, but due to typhoons that hit the country often, they would
sometimes experience rice shortage and would need to spend more to buy it. She believes insurance
will benefit her family in times of needs.
Erlinda spends her time cleaning the streets as a street sweeper. She dreams of seeing her children graduate and become successful. She believes that with insurance, she is securing her children's future.
Hilda has been in quite a number of accidents involving public vehicles like motorcycles, jeepneys, and trucks. Her family was also affected by typhoons and earthquakes in the past. As she is unemployed, she has no financial means to support her family. If given the chance to have insurance, her family will not have to worry about where to get money during times of accidents or natural calamities.
Being a victim of bullying didn`t stop Erwin from pursuing his passion in dancing. His love for the art motivates him, and hopes to eventually compete internationally. He also wants to finish his studies and be able to help his family. Financial assistance in the form of microinsurance will be helpful for Erwin and his loved ones.
Income is not something guaranteed for Maria Luz. As a farmer, she relies on crop yield, and when drought hits their farm, she gets nothing. If given the chance, she would like to have a job where income is more stable. She also wants insurance so her beneficiary will get financial help.
When Elena’s husband was stricken with a serious illness, she realized the importance of having insurance. Because she is nearing senior citizenship, she feels that it’s about time to prepare her children and other loved ones should something unexpected happen to her.
Jennifer and her husband Roland work hand-in-hand to make ends meet on the daily. But with their combined efforts, they only manage to take home $40 each month. She says times are difficult, now that the prices of goods are much more expensive. She wants to provide financial protection for her family, and she can achieve this by having insurance.
After her husband’s passing, Juvy works twice as hard as a vendor in her hometown. Her only wish is to see her children have successful lives in the future, no matter what happens to her. To have insurance would mean financially protect the people she loves.
Marcelino works as a part-time gardener, which means that he does not earn consistent wages throughout the month. He pays for his four grandchildren's education because their father, Marcelino's son, has no stable source of income as well. Having insurance will be a big help to his grandchildren when the time comes.
Micheal's family has struggled to keep afloat financially with the meager income he receives as a tricycle driver. With all of his six children in school, he works day and night on the road in order to pay for their tuition and daily needs at school.
As a young man, Jomar `s dream is to finish schooling. He is also very passionate in Muay Thai, and is determined to train well to be able to join competitions abroad. For him, microinsurance will support his family in times of urgent need.
Meliza is a high school graduate, but because of circumstances, she could not find a job. She instead chose to become a housewife to take care of her children. Because life does not offer any guarantees, Meliza hopes to have insurance to financially prepare her husband and children.
Cielito is a widower and a mother of six. In order to make a living, Cielito makes rags out of scrap fabric and sells them on the streets. She would stay up at night sewing rags just so she could sell them, the profit of which is barely enough to feed her children. Having insurance will benefit her family in case something happens to her.
Ana only earns $60 a month, which is not enough to provide for her family’s everyday needs. Her dream is to get out of poverty so she can build a comfortable home and see her children finish their education. In order to protect her loved ones, Ana Marie would need insurance.
Marilyn feels that her family's budget is not adequate to feed and support her entire family. This does not stop her from dreaming of owning their own home and for her six children to finish their education. If they would need financial assistance during times of crisis, Marilyn's family will be covered by insurance.
Jacquiline lost her job and their house when a fire hit their community. Today, she would like to rebuild their house and provide a good place for her family to live in. Insurance will be a big help for her in times of need.
Justin dreams of working abroad where jobs pay higher so he can support his parents. While waiting for
that opportunity, he is working as a weaver in their local cooperative. As his place is prone to typhoons,
he needs insurance as protection.
Edward is raising his children on his own, as he and his wife had separated years ago. He feels that his job as a driver is barely enough to send his children to school. In case something happens to him on the road, he says that insurance can guarantee financial aid for his family.
Nelson's job as a fisherman does not always guarantee profit for him, as it is dependent on the weather conditions and the state of his equipment. When things do not favorably for him, he would home empty-handed. Having insurance will make certain that Nelson's family will live comfortably.
Mayo’s family was displaced after a strong typhoon destroyed their home. Also a leprosy survivor, she
works hard as a lace maker to fulfill her dream of sending her daughter to college. She realized the value
of insurance when her sister-in-law died of cancer. She would like to have insurance so her dream for
her daughter would still happen even when she’s already gone.
Ricky's child was confined in the hospital recently, their bills amounting to more than they can afford. Because his work as a trisikad (rickshaw) driver is not enough to pay for hospitalization and medicines, he struggled to make ends meet. He wants to have insurance so that this will not happen to his family again.
Irene's four children rely on her for their needs, but she is currently not earning any money. Ever since she lost her job, she has been unable to provide for them. They had to stoping to school because she did not have the capability to pay for tuition. Insurance can cover Irene's family in the future in case something happens to her.
At her young age, Charmaine`s dream is to graduate from school. She believes when she does, she will be able to set the family free from poverty. For her, microinsurance is useful in times of need.
Romulo works two jobs: he is a driver in most days, and he works as a fisherman when weather permits. He hopes to one day get his entire family out of poverty, and live a comfortable life. With insurance, Romulo guarantees that his loved ones will be inod hands.
Josefina suffers from diabetes, which she has to keep in check with maintenance medicines and hospital consultations from time to time. Because she has no job, she and her children and grandchildren rely solely on her husband's income. With a financial protection plan, Josefina and her family can rest assured that they will be covered during times of emergency.
Teresita had to raise her child alone after her husband died. Aside from their daily needs, she also has to worry about sending her child to school. She wants to be insured for the financial assistance her beneficiary will get in case the unexpected happens to her.
There were times when Antonio no longer wanted to attend his classes because of bullying. Despite this, he still goes to school because of his eagerness to learn new things. For him, microinsurance is important because it will help them whenever they are in need.
Marilyn and her family lost their home due to fire accidents. This is the reason she finds it hard to start again. However, she still hopes to work abroad so she could earn what she had lost. She believes that insurance will help make their lives better.
Reynaldo works as a vendor, delivering blocks of ice to his customers. His eldest child is mentally challenged, so his earnings mostly towards medical expenses. He is also in charge of providing for his other children's education and for the general upkeep of their home. He wants to get insurance for himself, but he admits that he cannot afford it.
Rhona was forced to stop going to school due to lack of money. She now wishes she pursued getting a diploma because she has been having a difficult time finding a job. In the meantime, she is a full-time mom who takes care of her children. She considers having insurance as a form of legacy to leave to her loved ones in the future.
It was a grave misfortune when Ashley`s father died. Her mother does not have a stable job to support her needs, thus they all rely on Ashley`s grandmother for financial assistance. Ashley trains regularly for Muay Thai in order to help her grandmother earn for the family. She hopes to receive microinsurance coverage to secure their needs in times of emergencies.
When Irene’s husband passed away, her family lost their sole provider. Today Irene is a housewife, trying to make ends meet for her nine dependents. Having insurance will guarantee financial stability for the people who depend on her once she is gone.
Maria works as a laundry woman, providing her washing and ironing services to members of her local community. The money she makes from her job is not enough to cover them from calamities and other unexpected events. In order to be safe, Maria's family will need insurance for their future.
Lyne is one of seven children, and understands that her family`s budget is tight because there are many of them to feed and send to school. That`s why she studies hard in college and hopes to one day help get her family out of poverty. Through insurance, Lyne hopes to keep helping her loved ones long after she has gone.
Lorna is a housewife who dreams of having a business of her own in the future, For now, what she wants to ensure is that she's protected when something bad happens to her, and insurance will do just that.
Ronny’s home was destroyed due to heavy flooding, which consequently washed away their home items as well as important documents. He is now worried that another raging typhoon will hit his town again. Should something similar happen in the future, insurance will be beneficial to him and his family.
Kimberly is a mother to three children, all of which are in school. Because she and her husband are both working, there is nobody to take care of their kids when they are away. This causes Kimberly anxiety, on top of the financial burden that she has to carry. Insurance will provide peace of mind to her family should something unexpected happen.
Joan is a single parent. Her father fell ill, and is now bed-ridden. She says her situation is a challenge to her. She would like to have a stable job to provide the medical needs of her father, and at the same time, send her child to school all the way up to college. Insurance is a big help in case of disaster or calamity.
Marites feels that her lack of formal education is a setback for her working career. Currently, she is unemployed and has not found work for some time. Despite this, she remains hopeful about her family's future. Because times are tough and unfortunate things can happen anytime, providing Marites with insurance will give her and her family one less thing to worry about.
Edwin has a small piggery business, but he admits that his expenses outweigh his profits. He says once of his goals is to see his children finish their education. As the breadwinner of the family, Edwin will benefit from insurance coverage.
Socorro lost her job at the time when she needed an income the most. At 34, she and her family live with relatives. Although she's okay with their situation, she still aspires to have their own place and a stable job to with it. She also shared that getting insured is a wise decision for emergencies in case it happens to her family.
Nasroden wants to give his children a comfortable life, so he works hard as a sidewalk vendor daily. Not all of his 12 children are able to study, but he hopes to eventually save enough money to put them back in school in order to finish their education.
At 62, Merlyn is unable to slow down and enjoy her remaining years. Poverty has forced her to work for days on end as a farmer and weaver in her small town. Should something happen to her, Merlyn wants her family to be financially set.
Merlyn lives in the province with her husband Virgilio. They struggle to meet their daily needs as they are both unemployed. There would be days when they would starve because there was no food for them to eat. If the unexpected happens to Merlyn in the future, her family would be inod hands if she had insurance.
Magdalena washes clothes of other people for a living, but since this is an informal job, income is not
guaranteed. Sometimes she earns just less than $6 in a month. She hopes to have insurance for her
protection, especially because she lives in a place frequented by natural calamities.
When a strong typhoon hit Necel`s hometown, it destroyed her parents` source of income. Necel then had to work twice as hard to fend for herself and her parents. Now the family`s breadwinner, she sees financial planning through insurance to be important.
Jolly says that because she and her husband got married and had children early, they were unable to save up money. Now 50, Jolly tries to make ends meet by working as a housekeeper, earning only $60 each month. Because six people are depending on her, it will be difficult to adjust once something unfortunate happens to her. This is why Jolly would like the financial safety net of insurance.
Marle considers herself lucky to be able to attain a high school undergraduate education, which speaks volumes about the level of poverty she is living in. However, she admits that her low school attainment is still a hindrance to her finding stable income. A weaver by profession, Marle earns $30 monthly – sometimes even lower. Financial protection in the form of insurance will help Marle’s family greatly.
Working long hours in construction has been physically demanding for Joy, who only earns $180 monthly. His is work is contractual, which means there would be months where he won`t have a job. His eight dependents would have to stretch out what little money they have left. As a way to secure his family, Joy would benefit from having insurance.
Cedrick is a kid with dreams of being successful. His parents are both unemployed and because money is scarce, Cedrick had to stop going to school. He hopes to one day be able to finish his education, but for now, he has to help his family out. For Cedrick and his family, insurance will help ease the financial burden.
Leonora says that one of her regrets is not being able to finish her studies. Now that she is a mother, her wish is to see all of her children graduate from college. Because life can be unpredictable, insurance coverage for Leonora will be beneficial.
Pinky survived the fire that hit her community. Unfortunately, her grandmother was one of the casualties. This caused her to struggle both financially and emotionally. Despite the situation, she dreams of finishing her studies. Microinsurance will help her family in case of unforeseen events
Julieta had leprosy when she was younger, and though she has fully recovered, the stigma made people
avoid her, and this affected her chance of looking for work. Fortunately, a local cooperative accepted
her, but her income is not enough for her family. With insurance, she will have a financial cushion for
Julius` only wish is to see his son graduate from college. He works hard as a driver to save up enough money for his son`s education. Insurance will aid Julius and his family should something happen to him.
Carmelita feels that she has no one to rely on since her husband's passing years ago. She hopes that all of her four grown children have an improved quality of life compared to what she has right now. She also wants them to be prepared for whatever comes their way. In Carmelita's case, her family would benefit from having insurance to help them get back on their feet in case of an unfortunate incident.
Marian lost her mother due to a heart condition, and this affected her family greatly. They could not afford to eat and eventually lost their home. This 19-year-old, however, is not giving up. Currently a senior high school student, she wants to earn a college degree so she can work as a social worker someday. With insurance, her siblings will not experience another hardship in case something happens to Marian.
Juggling being a mom and working as a weaver in their local cooperative is a struggle for Irene, but she
still does her best so she can fulfill her dream of having her three sons finish their education. But just in
case something unexpected happens to her, she would need insurance for her children to still have a
Doris is a Housewife. She notices that, lately, she has been getting sick a lot which she presumes is because of the changing climate. She dreams of seeing her children marching on their graduation day. She sees insurance as a way of being stable for whatever the future has to offer.
Nimfa`s days are spent mostly in her laborer job for a small business in her hometown. She says she wants to find a better-paying job, but because she is only an elementary school graduate, opportunities for her are scarce. Nimfa will benefit greatly from the gift of insurance.
Dolores works part-time as a member of an auditing committee, but acknowledges that this does not provide her family financial security. It has been difficult juggling motherhood and her job, but she says her children are still her priority. Insurance will guarantee that Dolores’ surviving loved ones will have financial aid in the future.
When Mary Jean’s father passed away, she had to start working to help her family. From the Southern
part of the Philippines, she had to travel to Manila, which is 290 miles away from her hometown, just to
find work. She’s glad to be back in her hometown working as a weaver, but she will need insurance for
Despite difficulty with his mobility, Benjamin still works as a farmer just so he can provide for his family. Having already lost his wife and a child, he knows the importance of being financially prepared in times of the unexpected, so insurance is something he would like to have.
Eulyn is a 20-year-old housewife residing in Manila. Because she and her live-in partner started a family early in life, her education had to stop. In spite of the challenges she faces as a young mother, Eulyn continues to believe that she can have a better future. Through insurance, she can still aspire to have a blissful life for her family.
Leo is a tricycle driver, but he says his income is not enough. He wants to get himself and his family out of poverty and for his children to finish their schooling. He would also like to transition to a job that will pay more so that they could have more money to spend on their children. Leo wants to have a financial safety net if anything unfortunate happens to him.
Because Aiza has no permanent work, it was a challenge to provide for her child`s medical expenses when he/she contracted pneumonia. She wants to have a stable job so that her child will be able to finish his/her schooling. She sees insurance as a means of protecting her and her children in case of emergency.
May’s meager income from selling flowers in the street is around PHP 9,000 ($169), which is not enough to sustain her family’s day-to-day needs. Because her husband is in jail, it is May’s sole responsibility to provide for her loved ones. Insurance for May will give her opportunity to further pursue life goals without worrying about the future.
Iyln is a teenager with big dreams. When she graduates from college, she wants to enter a profession that will enable to help family and other people with stuck in poverty like they are. She sees herself as the breadwinner of the family, so in case something unfortunate happens to her, she wants to leave her loved ones with enough money.
Ana has to raise her children on her own after her husband died. This was a challenge for her because
she also had to stop from working because of an illness and now just gets income as a member of their
local cooperative. She’s banking on insurance as a financial safety net.
Rebecca runs a small generalods store in order to augment her husband's income. Because she does not want her children to experience the same kind of poverty that she grew up in, she strives to work every day. She also wants them to finish school, something she was unable to do herself. Insurance can help Rebecca and her family in unexpected times.
Mark is currently in senior high school ando wishes to be a seaman someday so he can give back to his parents, who have sacrificed a lot for his education. With insurance, Mark`s family can have financial assistance in case something happens to him.
Like most mothers, Viola’s wish is for her child to finish schooling. Thus, she works hard as a manicurist, earning around $55 per month. However, her work is sometimes affected by her hypertension, which also affects her income. Currently the only one working in their household, Viola needs insurance for her protection.
Rose is one of the women working for their local cooperative to augment their family’s income, and with
six dependents, she really needs any additional income she can get. After her husband got typhoid fever
and one of her children died unexpectedly, she realized the value of insurance and would like to have
Ruben works as a tricycle driver for a living. His family's old home in their province was affected by a strong typhoon. Instead of rebuilding it, they moved to a new city to start fresh, but they have found it difficult to adjust financially.
Due to her low educational attainment, Zosima has been earning meager salary. However, she has to make do with her earnings in order to put food on the table. Should something unexpected happen, insurance will help cover Zosima`s family.
Marlyn wasn`t able to finish her studies and therefore finds it hard to look for a stable job. She also experienced loss when a flood destroyed their house and her father died from illness. Now, she continues living and earning as a vendor. However, she would like to have more capital to sustain her small business and be able to send her children to college. For her, microinsurance will be a big help in case of accidents.
Rocelyn’s income from her weaving business is unpredictable: her items can be sold out in one day, and in the next day nobody will buy from her at all. Just like her business, life can also be unpredictable, which is why Rocelyn wants to have insurance.
Living in a poor rural area, Susan and her family struggle to keep their head above water. Her dream is to eventually start up a small diner as a way to earn enough money. Susan`s family considers insurance to be a financial security blanket in case of emergency.
Eden lost her job and now just gets her income from weaving as a member of their local cooperative.
With less than $30 monthly income from weaving, her dream of giving her child a bright future is a
challenge. She also suffers from heart ailment, so she wants to get insured in case something happens to
Adela's husband used to be the breadwinner of the family, but since he passed away, Adela has had no source of income. Because she in her mid-50s, it is difficult to find a new job. She always worries about where she'll get the money for her daily needs. In situations when money is especially tight, Adela's insurance will help greatly.
Geronimo suffered depression after the death of his first child due to a serious illness. He now strives hard as a farmer to protect them from similar emergencies and other unanticipated problems in the future. Geronimo hopes he could have insurance coverage so that when something happens to him, his wife and children will be covered.
Alvin is a welder's assistant by trade. His wife Marites suffers from hypertension, so Alvin's wages mainly towards her maintenance medicines. He hopes that the insurance can support the needs of his wife and four children in the event that something happens to him
Divina wanted a more stable life at 37. Her husband works as a construction worker and his income is not enough for them to have a house of their own. One of her biggest regret in life was when she stoppeding to college. Now, she wishes to continue working for her family so that her child can finish his education. She also believes that getting insured can help her family be protected.
Jesusimo works as both a driver and farmer, doing either one when he has the time, or if he needs additional income. He had to sell his tricycle, one of his sources of income, in hopes of starting a small business. Jesusimo wants to lessen his family’s hardships by having insurance.
Ruthsy's home was devastated by a heavy typhoon in the past. It took them a while to recover as they did not have water, food and electricity for months. When something similar happens in the future, insurance can ensure the welfare of Ruthsy and her family.
Farming is something Rogelita did not see herself doing full-time, but because of poverty, she has no choice but to work under intense heat. Sometimes, drought would kill all of their crops, leaving her with no source of income. Rogelita wants a financial blanket to help her family during times of emergency.
Nilane's town was ravaged by a strong storm, which destroyed their home. Because they live in poverty, they cannot always afford their daily needs, let alone repair their dilapidated shelter. To prevent financial burden brought about by future calamities, insurance is vital for Nilane.
Losing her mother due to ectopic pregnancy and their farm being destroyed by a typhoon all caused
financial burden on Mary Grace’s family. She had to work while studying just so she could finance her
education, and she graduated eventually. Now a child development worker, she hopes to get insurance
as a financial safety net for her family.
Aidolor has been through a lot – she fell into a debt trap and suffered from depression. She’s slowly
getting right back on track, something she needs to do as she wants her children to finish school and
have a bright future. Insurance is something she knows would be helpful but could not afford with her
income as a housekeeper.
Gerlie has been through a lot despite only being 16. Their home was damaged by typhoons twice, and she had to stop schooling for a year because of financial difficulties. Aspiring to be a chef or a flight attended some day, Girlie wants to be insured so she can leave something for her parents and four sibling in case she meets something unfortunate.
Jocelyn juggles her three roles as a mother, street vendor (store vendor) and weaver – all of these as a way to support her family and their needs. At 54, she suffers from more frequent physical pains, but she has to persevere in order to earn money because they have an outstanding loan balance. Jocelyn wants to keep providing for her family long after she’s gone with the help of insurance.
When Adelene was younger, she had to quit her high school education because her parents did not have enough money to pay for her tuition. Now at 37, she aims for her own children to finish their schooling. Adele works hard as a weaver in her community, but admits money is difficult to come by these days. In the event that something happens to her, she hopes insurance will cover her loved ones.
Valerie wants to have her own livelihood again, as the small farm they used to have was destroyed by a
typhoon. Now, she works as a weaver in their local cooperative to provide for her six dependents.
Insurance is something nice to have, but with less than $30 income a month, she has to prioritize
bringing food to the table.
As a part-time job, Nimfa provides laundry services in her community. Her husband, who was the breadwinner of the family, passed away recently. This means that Nimfa has to work twice as hard to make money. She says having insurance can provide benefits for her and her family in case of an emergency.
Antonio's eldest child was hospitalized due to a serious illness, which not only caused distress to their family, but also put them in deep financial trouble. His job as a construction worker is not enough. Insurance can help Antonio and his family get back on their feet.
Ana Lourdes depends on the P300 per day that her husband brings home. As a housewife, she prepares the budgets for her family's daily needs. Ana wants to see her children finish school and become successful someday.
Edita finds it difficult to walk due to her swollen legs, and this frustrates her because she could not help
her family. Though she earns from weaving for their local cooperative, this is not enough, especially
since she supports her nephew’s education. With her condition, she would need insurance.
Teresita says she experienced true poverty when she was unable to buy medicines for a high fever she recently experienced. Despite taking good care of her and her family’s health, she there some things that are beyond their control. Having insurance will reduce the risk of further financial loss should something unfortunate like that happens again.
Nidos home was devastated when it caught fire, completely destroying his familys possessions. They were forced to start from scratch with no money or shelter. He hopes to start his own business to augment his income as a driver.
Mark`s parents are separated. Trainings in Muay Thai help him cope with the sadness he felt from the situation. He is currently working on making his dream of competing abroad a reality. Mark hopes to receive insurance in order to be protected in times of emergencies.
Wennie is only 17, but he already thinks of his future. Currently in 11th grade, he studies hard to get a degree and eventually provide for his family. He also doesn`t want to burden his family in case something unfortunate happens to him. That`s why he wants to be insured.
Vivian is a vendor. Her husbandt ill and had to stop working, which impacted Vivian's family big time. She had to work twice as hard to sustain her family's needs. Vivian dreams of seeing her children graduate and get stable jobs. She feels that by getting insurance, she secures her children's future.
Myrna, who suffers from hypertension, had to quit working in order to manage her symptoms and get better. Because she and her husband have no money, her children were not able to to school. If given the opportunity to have insurance, she and her family can finally afford to live worry-free.
Nelson was not able to graduate from high school, so his dream is for his eight children to finish their education. His fish vending business does not always yield him enough profit, but he strives to bring home money when he can. Providing insurance coverage to benefit his family would give him peace of mind.
Hazel was fortunate enough to finish college, but her heart condition keeps her from getting a job that
would have helped her family. She has to spend on her medications and has to go to the hospital for her
shots. With her condition, she really needs insurance.
Madeline Nobles had to stop schooling due to financial constraints, so she was only able to reach high
school. She hopes for her child’s fate to be different, so she’s looking for a permanent job that would
help her send her daughter to college. After experiencing financial problems when she was hospitalized
to undergo surgery, she learned the value of insurance, so she now wants to have one.
Ely’s work as a housekeeper does not earn her enough money to sustain her family’s needs. She tries to allocate her most of her $100-a-month salary towards her children’s education, and hopes that one day she will see them graduate and have a stable job. She’d like to have the financial safety net that insurance offers.
To supplement her family’s source of income, Nelia manages a small store adjacent to their home. She admits that it has been difficult to stock up on inventory because of lack of funds. She knows she won’t be around forever, that’s why insurance will be a great help in providing a safety net for her loved ones.
Dominga has been trying to get back on her feet since she lost her job, and when a major flood hit her hometown. She has since learned to manage her daily budget wisely. She hopes for her husband to have a stable job to sustain their daily needs. Microinsurance will help keep the family protected especially for the children.
Concepcion only reached high school because her family could not afford to send them her to college.
She hopes to break this cycle, so she works hard to send her children to school. However, with minimal
income as a weaver in their local cooperative, she still has a long way to go. With insurance,
Concepcion’s family would be protected in the event of an accident.
Marieta solely supports all of her children. Her job peeling vegetables does not suffice to feed her kids and put them in school. Sadly, two of them passed away, and she has not emotionally recovered since. If only Marieta had financial fallback such as insurance, her family's burden would be lessened somehow.
For half of her life, Irene has been volunteering for the community. Now at 41 years old, working as a volunteer would never suffice for the needs of her family. And as a mother of three, her priority is the health and education of her young children. She hopes that getting insured would help her in the future.
Melanie was unable to finish high school. This has affected her chances of finding a source of income. She hopes to help get her family out of poverty in order to improve their quality of life. In the event of loss or damage to property, insurance can help Melanie and her loved ones get back on their feet.
Evelyn is a housewife and a mother to three children. Her husband works long hours, while Evelyn cares for her children and tends to the home. She wishes for her family`s quality of life to improve. As a way to protect her loved ones, Evelyn would like to have the financial coverage that insurance provides.
A housewife, Anabelle has big dreams for his family and home. She wants them to own a solar panel so that they don’t have to spend too much on electricity bills. She also wants her children to finish their education, although she knows that they have a long way to go. In order to ensure her dreams become a reality in the future, Anabelle would need insurance.
According to Estela, her below minimum wage salary makes it impossible for her and her family to eat three proper meals a day. She also doesn’t have the financial capacity to tend to all of their medical needs. Estela realizes that she won’t be able to support her family forever; insurance will be able cover her loved ones in the event of her passing.
Orlanda works as a part-time tutor, helping school children with their studies. She wanted to put up a generalods store to augment her income, but because their home caught fire during an accident, most of their budget hadne towards rebuilding it. During times of crisis such as fires and storms, insurance can financially protect Orlanda and her family.
Jayson simply wishes that he can earn bigger from his farming job in the province. In the meantime, he has to stretch his $40 monthly salary to feed his family, pay the bills, and send his children to school. Insurance will guarantee that Jayson`s family will have a financial safety net in the future.
Gliceria’s $40-a-month wages from her weaving business is not enough to sustain the needs of her family. But she has no room to complain, as she is the sole breadwinner of the family. She says she tries to make ends meet for the sake of her loved ones. Gliceria says insurance will provide a financial safety net in case of emergency.
After losing the brother who was supporting her financially, Imelda struggled with her finances, as her
income being a weaver is not enough for her family’s needs. For her, insurance is a necessity in case of
unforeseen circumstances, but she does not even have enough for basic needs.
Mary Ann comes from a large family. Due to lack of funds, her parents had to pull her out from school and had her work instead. Her wish is to see her children graduate from college, something she was unable to achieve. Mary Ann says insurance will help ease financial hardships from her loved ones.
Since her husband passed away, Corazon has been raising her three children on her own, and with
meager income as an embroiderer, that is something she finds challenging. She knows that having
insurance would be beneficial for her and her family.
As an official in her local village, Perlita earns allowance, which she tries to stretch for her children’s education. However, she finds it a challenge, especially when her husband lost his job. With insurance, she doesn’t have to worry about her family having financial problems in case something happens to her.
Christopher is a trisikad (rickshaw) driver in the province. The area they reside in is always flooded even during light rain, which slowly destroys their home and affects their quality of life. He hopes to eventually build a sturdier home for his family's safety. If he is to be granted insurance, Christopher will be able to leave a legacy to her family.
Corazon helps her husband provide for their family by joining the local cooperative as a weaver.
Knowing the importance of a college degree to get high-paying jobs, she hopes for her children to finish
college, something she was not able to do because of financial constraints. Insurance is something she
believes will benefit her family.
It was traumatic for Joshua to experience a disastrous typhoon years ago. He did not feel comfortable staying at the evacuation center because he found it noisy and crowded. Joshua`s dream is to finish his studies and to be able to help his family. He also wants to pursue his passion in Muay Thai and compete internationally. He sees microinsurance as a means to support his schooling and other needs.
Eloise's family dealt with a traumatic experience in the past. They were affected by a tropical cyclone that destroyed their home and left them with nothing. They have slowly been rebuilding their home since then. During times of emergency, Eloisa's insurance can guarantee financial assistance for her family.
Mary has to balance being a mother and a househelp every day. She receives little income, which she has to stretch in order to pay for her children's education. She hopes to see them graduate from college in the future. For Mary, insurance is important to guarantee her family's financial security so that they can live comfortably.
Salvador, who sees himself as a seaman in the future, lost a family member unexpectedly. From this experience, he learned the importance of insurance. In the event of something unfortunate happening unfortunate to him, he wants to make sure that his family will get financial help. Thus, he wants to be insured.
Syrel’s family has a farm where they would get the food they eat daily, but since typhoons hit the
country on a regular basis, maintaining a good produce is difficult. She works as a weaver to augment
their income. With insurance, she hopes to have financial assistance when in dire need.
Elda works as a housekeeper and weaver in her local community, but confesses that her income is not enough to support her family’s needs. Her goal is to earn enough money and have a stable job. Her savings will not be enough to cover her family’s expenses should something happen to her, so insurance will be advantageous.
When Melanie was younger, her parents had to stop her schooling because they were poor. She felt that she was robbed of an opportunity to find a stable job because she was unable to get her degree. However, she still feels lucky to be able to now support herself as a housekeeper in her hometown, however small her pay may be. Melanie wants to leave a legacy for her loved ones through insurance.
Mary Jane has to deal with her shortcomings as a deaf person in the Philippines. Aside from living in poverty, she is unable to support herself as employers do not want to hire somebody with her limitations. Mary Jane would benefit from having a financial safety net such as insurance.
Ellyn is a housewife and a small-time sari-sari store owner. She wants her children to finish schooling and knows that insurance will be her support in times of crisis, calamity or illness.
Jojit’s home was destroyed by a typhoon in 2014. This caused financial problems that his eldest child even had to stop schooling. He still dreams of sending all his children to school, so he works hard as an embroiderer in their local cooperative, but he hopes to have his own business someday. Insurance would benefit his five dependents.
With not enough income as a lace maker, Candida struggles to buy medications for her heart disease.
Despite this, she does her best to provide for her children, so they don’t end up like her who did not
finish school. Insurance would be a financial safety net for her family in case something unfortunate
happens to her.
Mariella has to juggle caring for her son and studying in school. This college freshman wants o have her own business or a permanent job someday. She also wishes for her family to in good terms again, after her parents separated and she got separated with her siblings, too. With a child depending on her, she wants to be insured.
During the hotter seasons, Retchie’s crops in his farm would wilt and die, This causes a major loss in his supply and income. It also means insufficient money to bring home to his family, something he has a constant fear of. His goal is to provide financial protection for his loved ones long after he is gone.
Agustino`s entire family relies on his wages as a farmer to sustain their needs like food, electricity, education and emergency expenses. However, the money he earns is not enough at times. Insurance will assure that Agustino leaves a legacy for his loved ones.
Hielyn is unemployed. She has been jumping to one job from another due to changing times. This makes it difficult for Hielyn to make ends meet because prices ofods are rising all the time. She wants to have electricity in her house and a business in the future.
Jennelyn works at their local market peeling vegetables. She says the money she and her husband earn is not enough to get them through the day. They do not even have money to fix their dilapidated shanty. She hopes to one day have it fixed so that her children will have a safe and secure home. To further protect the people who matter to Jennelyn, she would need to have insurance.
Eden is a housewife who does jobs on the side to help with her family’s expenses. She dreams of seeing her grandchildren finish their education and live in nice homes. Another dream is for her to be insured so she’s protected in case of emergency situations.
Oscar is currently unemployed. He was able to study in college, but he did not get to finish it due to financial constraints. He says food, tools for home repairs, and even simple necessities such as clothes are something he could not afford. He hopes that insurance can cover Oscar in case something happens to him.
Marites experienced depression when she and her husband Danilo could not afford their children's education and therefore had to pull them out of school. They are trying to manage their budget so that their children can study once again. If Marites has insurance, she and her family can finally focus on their basic needs instead of worrying about unexpected events in the future.
Adelina used to raise farm animals to augment her family’s income, but due to typhoons, the animals
died and this caused a great financial blow for them. Currently, she works as a weaver in their local
cooperative to help her husband and provide for their children. If something happens to her, she’s
hoping for financial assistance through insurance.
Gina wanted to earn a degree in college, but due to financial constraints, she had to settle for a high school educational attainment. She and her two children rely on husband Ariel, whose meager salary of $100 per month cannot sustain all of their needs. As a wife and mother, all she wants is to see her family be financially stable.
Rowena now works as a housekeeper after the company she used to work for shut down. Her less than $20 earning per month is not enough for her basic needs. Insurance is not a priority considering her condition, but it’s something that she needs for her protection.
Marilyn suffered from high blood pressure last year. She's 55 years old and has 10 children. What she didn't like most about her condition was spending for medicine. She wishes that instead of putting her money on medicine, it would have been better to spend it on her children's education. She thinks that insurance will be a great help to someone like her.
It was a big blow to the family when Diakira`s father passed away. As the sole breadwinner, he was the one they relied on for financial needs. Now, Diakira strives to bring home enough money in her father`s place. She will need financial assistance should something unexpected happen.
Just like other mothers, Liezel wants to ensure that her children would finish their education. However, earning only around $60 a month, she finds it difficult, especially since part of the income she gets goes to her rheumatism medications. She would like to have insurance in case of emergency situations.
Mark had to quit school because of his family’s financial restraints – his mother is unemployed, and his father is in prison. The only one supporting them is his grandmother, who owns a small store. But even the profits from that are not enough. An insurance guarantees that Mark’s family will be secure should something unexpected happen.
Susana had to endure a lot for her family. Her husband suffered a stroke twice, and their family home was destroyed due to flooding from a strong typhoon. She says she had to become both the homemaker and the breadwinner for her family. Susana says insurance will provide financial protection for her loved ones in the future.
Rolando had a heart-related illness years ago, which forced him to quit his job to recuperate. He has been unemployed since then. Hisal is to be able to provide food on their table, see his children finish school, and for them to be healthy and free of sickness. Rolando would like to have insurance, but he cannot afford to get one for himself or his family.
Remie is a humble resident of Manila. At 31 years old, she struggles to find a well-paying job to give her and her family the financial support they need for their everyday life. With her three young kids, she and her husband hope to have a better life where they are guaranteed safety and security for their future. By getting insured, Remie believes that they have a chance to get the better taste of life
Marites was hit by a motorcycle years ago, and she required hospitalization and expensive medicine. This not only caused her family to slide even deeper into poverty, but also cost Marites her source of income. She understands how life can be cut short due to an accident, thus insurance will be of great help to her and her family.
Perla was afflicted with leprosy when she was a child, which caused a huge financial blow on her family.
This is also why she could not find a good paying job. Currently, she does embroidery as a member of
her local cooperative, but this does not provide enough income. She hopes to have insurance for her
Having fallen from hard times, Virgie struggles to provide for her family. Her husband had to stop working, and all of their eight children quit school because of poverty. They live in a shanty so small they have to sleep sitting down because they have no room to lie down. Virgie would like to have insurance, but cannot afford it.
Norilyn met a motorcycle accident years ago, in which she needed expensive medical attention. Because she wasn’t able to save up for emergencies, she ran out of money just to pay for the hospital bills. Norilyn doesn’t want that to happen to her again – she feels insurance will help in this regard greatly.
Rosenita's family relies on her husband's earnings, which is not enough to feed all of them. Because of this, her family struggles financially. Rosenita hopes that she will be blessed with insurance as this can guarantee security for her and her loved ones.
Kimberly had to have emergency gallbladder stone surgery years ago. Because they did not have emergency savings, their family funds became depleted, and their quality of life suffered. Insurance can make sure this does not happen again.
Raquel wants to ensure that her grandchildren finish their studies so they can get high-paying jobs. Thus, even at the age of 60, she still works hard, tending their farm. However, due to typhoons that hit the country often, the farm would have no produce at times. Insurance would be of great help to her and her family.
Precila's home was destroyed when it caught fire years ago. Their entire savings was spent finding a new place to live in, and the rest of their needs were put on hold. In order to protect themselves from future losses, Precila and her family would like to have insurance.
Nenita suffered a stroke years ago. Although she has recovered, life still remains difficult for her and her family. She and her husband sometimes cannot afford even their basic needs. Her hope is to one day have insurance to protect whatever little assets her family has.
Jaypee was in an accident years ago that have left her with a troublesome spinal injury. Though she has recovered, she still needs daily maintenance medicines. One of her children, Joseph, had to stop school because Jaypee has not enough money to pay for his tuition. She wants to get insured for her family's financial security.
Cesar was hospitalized for three months due to meningitis, and because they did not have enough money, it was a difficult time for them financially. One of his children also passed away, which brought emotional pain to his entire family. In order to soften future financial blows, Cesar would be needing insurance.
After losing a family member to cardiac arrest and her husband acquiring pneumonia, Melanie realized
the importance of insurance when it comes to financial security. She does not want to leave her four
children with nothing when the unfortunate happens to her.
Jiahelia works as a cook for a small diner in her hometown. Her monthly wage of $100 does not suffice her family`s expenses, so she hopes to one day save enough money to start a small convenience store. In order to save her family from emotional hardship, Jiahelia will need insurance.
Elizabeth and her child met an accident when they were hit by a vehicle while crossing the street. This led to expensive medical exams and other hospital bills that they could not pay for. Elizabeth realized then that insurance is important to cover her family during emergencies such as the one they experienced.
Roselyn works as a housekeeper and also runs a small convenience store as means to earn money for her family. No matter how hard she works, it is still very difficult to save up for a rainy day. Insurance will help reduce further financial risk when the unexpected happen to Roselyn or her loved ones.
Ever since Alberto's entire town was destroyed during tropical cyclone Haiyan in 2013, his family has not yet fully recovered. His work as an ice cream vendor cannot fully support his children's education, which is why they had to quit school. In order to financially cover Alberto and his family from future disasters, they would need insurance.
Evelyn dreams of having her own business so she could provide for her family, but because she only
studied up to grade school, this is something she really has to work hard for. She hopes to have
insurance so at least she’ll have something for her family when the unfortunate happens to her.
Marlyn earns only $34 a month as a utility worker in their community. She hopes for a better-paying job as she wants to ensure that her grandchild will be able to go to college. As she is already 53 and has hypertension, she wants to be insured for the financial assistance her family will get in case of unforeseen incidents.
Jean works as a househelp. As her family lives with her relatives, she plans on buying their own house and lot in the future. However, it is difficult to save money because her income is not sufficient even for day-to-day expenses. Insurance can provide coverage for Jean's family when something unexpected happens
Rolando was fortunate enough to finish his college education. However, he had to go back to his hometown and work as a farmer, earning less than $60 a month. He hopes that his luck would turn around and his crops would earn him sufficient money. Rolando says that in order to secure his family`s future, he would need financial assistance in the form of insurance.
Daisy is a housewife and mother of six. Due to lack of money, all of her children would to school without money to buy food, and would sometimes walk to and from school. She has to stretch her husband's salary in order to make ends meet. During times of emergencies, insurance can provide financial aid for her family.
Johnny says that simple daily needs like food and water are a struggle to have for his family. He is currently unemployed, so his wife Evelyn is the breadwinner. However, her P2,000 ($40) a month salary is not enough. Any form of financial help such as insurance will benefit Johnny's family.
Gina’s simple wish is for her family to eat three times a day, but her income as a weaver in their local
cooperative is not enough as she has two children. With insurance, she does not have to worry about
giving financial problems to her family.
Mariel is a young mother of one, with dreams of getting her family out of poverty. She is currently unemployed while her husband Rey is the breadwinner of the family. If given the opportunity to have insurance, Mariel will have peace of mind knowing that her family will be financially covered no matter what happens.
Immaculada has a simple dream of owning a small, comfortable home for her and her family. At 64 years old, she wonders if she will be able to make that dream a reality, what with the $80 monthly income they make as husband and wife. Should the unexpected happen to her, she wants to make sure that her family receives financial protection.
Since Nenita’s husband passed away, she had been struggling to provide for her family, her completing only grade school and not being able to find a high-paying job. She knows that insurance would provide financial assistance for her family in case something happens to her, so she would like to have one.
Due to financial problems, Samuel had to leave his mother and brother behind and work in the city. He says being apart from his loved ones was difficult, but he had to do so as their sole provider. Because his family depends on him, Samuel will benefit from having insurance.
Maribeth is part of an association that supports financial inclusion and provides livelihood for communities in the province. Through this, she is able to work as a farmer in her town. Her dream is to see her children graduate from their Criminology courses. Should something happen to Maribeth prior to fulfilling that dream, insurance will be able to financially support her family.
Mary Ann’s son had to stop school when he contracted dengue years ago. Because of the hospital bills, Mary Ann’s income from selling eggs was exhausted and to this day, she has had difficulty earning back the money she spent. As the breadwinner of her family, Mary Ann needs financial aid.
Rosally raises hogs as a living and at the same time works as a health worker for their community just to have enough income for her family. Eventually, she wants to have her own business – an agricultural supply store. She wants to be insured in case of unfortunate events for the sake of her five dependents.
Gemma and her siblings were unable to finish their education due to poverty. Now at 40 years old, she admits that her lack of educational background has been a hindrance to earning sufficient money for her family. Should something unfortunate happen to Gemma, she wants insurance to provide them peace of mind.
Amelita and her husband Romie work together to make ends meet. Because they do not earn enough to sustain their needs, they resort to borrowing from relatives and loan sharks. Amelita admits that she is deep in debt, and does not want her children to be burden by this in the future. Financial coverage in the form of insurance will help her family should something unexpected happen.
Rosma's highest educational attainment was second year high school. She's a single mother of three and she finds it difficult to live a life where she couldn't provide enough for her children. Like any other mothers in the world, Rosma's dream is to give her children a better education for the benefit of their future success. She strongly believes that having insurance can help her children in their journey for success.
Elvira was devastated when her two children were put in jail. She aims to rise above this, and now hopes to have a small general store that will help her sustain the rest of her family`s daily needs. She sees microinsurance as a way of supporting her and her children.
Rosanna is a housewife and mother of five. Their home and possessions were destroyed by a fire years ago, and they had to live under a truck for temporary shelter. She does not want this to happen again – insurance can greatly help cover them financially during such situations.
Amor's husband used to be a factory worker, but he lost his job when the company he worked at went bankrupt. As this was their family's only source of income, they had to pull out their children from school because they could not pay their tuition. In case something happens to her, insurance can greatly help Amor and her family.
Mary Ann`s children had to be pulled out from school because of financial difficulties. As a mother, she wants to do everything she can to provide them the education they need. Should something happen to Mary Ann and her family, insurance will be of great help.
Allen's shanty was destroyed during a typhoon years ago. She and her husband Ereneo want to rebuild it, but they do not know where to get the money for renovations as well as their basic needs. Insurance can help support her family in the future during times such as calamities.
Nena washes and irons clothes for a living. One of her children unfortunately passed away, and her other children do not to school. Her home was destroyed by a fire, and was subsequently flooded due to a typhoon. Nena hopes that insurance can significantly lift the financial burden of her family in the event that something unfortunate happens.
Rose's home was destroyed when a strong typhoon hit her city. Although she wants to renovate their home to make it sturdier, she does not have the financial capability to do so because she would rather spend her hard-earned money on her children's education. Insurance can protect them in case something unfortunate happens to her family again.
Emily works in the rice fields as a farmer. Due to working long hours and poor health, she unfortunately developed a heart problem. This requires medication, the money for which is scarce. To make sure her family is covered well after her years, Emily will need insurance.
Emma’s family met a tragedy when one of her children got struck by lightning and was killed. This unfortunate incident taught her that financial security is important during emergency situations. Emma is aware that time is not on her side, thus she wants insurance to cover her family financially.
Joyce used to be an Overseas Filipino Worker (OFW) in Kuwait, but her employer sent her home prematurely. She was unable to save up enough money when she got home. Joyce now works as a farmer in her hometown, and admits that her income is drastically smaller than when she was in Kuwait. With insurance, her family will have money during emergency situations.
Nerissa says that her work as a local farmer can become difficult. Aside from working long hours in the fields, her hard work can be destroyed overnight by unpredictable calamities like drought and typhoons. As the family`s breadwinner, insurance for Nerissa will be beneficial.
Evangelista experienced getting ill and being in an accident, and this has caused so much stress for her. Not wanting to have another financial problem for the family in case of unexpected incidents, she would like to have insurance.
Mary Jane, 45, married at an early age and now has 13 children, all of which she wants to send to
college. However, with less than $40 income per month, that might just be a dream for her. With
insurance, she will not leave her family empty-handed in case something happens to her.
Mary also dreams of her children finishing their education, just like other moms, but with a monthly
income of less than $30 from weaving and with seven dependents, this will be a very challenging feat for
her. She hopes insurance would help her family in case something unexpected happens.
Weneliza and her husband Jeorgie work hard to make ends meet. The former works as a seamstress, but she only earns money when there are clients who need her services. Otherwise, she would not have any money for her family's provisions. Any kind of financial assistance will be appreciated by Weneliza and her family.
Poverty has not been kind to people like Richard he had lost his job in a poultry farm, his home was destroyed by a fire, and his parents passed away. He does not let poverty stop him though.
Typhoons would destroy Mary Ann’s small farm every now and then, affecting their yield. Their farm is
where they are supposed to get their rice, a staple Filipino food. With her income from weaving not
enough to put food on the table, she would need help in having her own insurance.
Cristine is a factory worker, earning only $40 each month. She attests to the unpredictability of work and money, as she has experienced layoffs in her previous job that led to loss of income. Her dream is to eventually put up a small store in front of her home so she doesn’t have to be away from her family. As her family’s income earner, she wants to have insurance to guarantee protection for her loved ones.
Crisanta is a housemaid. As a single mom who provides for her six children, she finds it difficult to meet their daily needs. She feels that insurance will be instrumental in the future for her children.
Fe experienced not having enough food on the table after the crops in their small farm was destroyed by
a typhoon, something that visits the Philippines often. This fact made her realize the importance of
insurance, especially that she has three children.
Lea is currently unemployed. She had to resign from her job to take care of her children and is now finding it difficult to look for a new job. She feels that insurance secures their future, most importantly her children's.
Julius works in construction. Years ago, his home was devastated by a tropical storm, and they still have not fully recovered. Hisal is to earn enough money to buy a new house for him and his family. Julius hopes to get insurance for his family's peace of mind.
During a terrible cyclone, Elizabeth's home was destroyed, leaving them without a roof, electricity, food and water. They could not afford to buy wood and other materials to renovate their home, and despite the localvernment's help, it took their family months to recover and move on. With insurance, Elizabeth's family will have financial protection from what lies ahead.
Her home being destroyed by the typhoon and having a lung disease were just some of the challenges
Bernarda had to go through earlier in her life. She needs insurance in case something unfortunate
happens again, but she earns only less than $20 a month as a lace maker, and she would rather spend it
on basic needs.
Ester dreams of having a comfortable life. She's the type of person who always looks at the brighter side of life. But when a tragic incident happened, it took a toll on her joyful spirits. When her brother died from a motor accident, her mother became depressed and it worried her the most. Through it all, Ester still believes that there's a silver lining behind the dark clouds if she has insurance.
Myra is one of the lucky ones to be able to reach college-level education. She works as a weaver, earning only $100 a month. According to her, this is not enough for her children’s school supplies, daily meals, and medicine. In the event of her passing, Myra’s children will be covered with the help of insurance.
Julius works as a tricycle driver. His dream is to own a four-wheel public vehicle like a jeepney so he can earn more for his family. He also wants to save up for a house of their own, as they are currently living with relatives and do not have their own property. He wants to get insurance for financial security, but he cannot afford it.
Nolau's hard-earned money went to waste when floods ravaged their home and belongings. However, their biggest and most difficult loss was when his family members perished from the disaster. In order to protect them from such catastrophes in the future, they would need insurance.
Ramil creates decorations out of seashells for a living. His job does not earn him enough profit for his family, so they have to tighten their belts when they cannot eat three meals per day. Ramil has also accumulated debt throughout the years, which he finds difficult to pay off. Insurance can provide his family aod life and help them out in times of emergency.
Geralyn comes from a large family with little means to survive, and so her parents had to pull her out of school in order for her younger siblings to finish theirs. She aims to go back and finish her degree, but she does not have enough money to pay for her tuition. No matter what happens to Geralyn, with the help of insurance, her loved ones will have peace of mind.
As a way to make ends meet, Emma and her husband took out a loan. The interest rate is high, but they are forced to borrow because the money they earn from their job is not enough to feed the family and pay their bills. Insurance can greatly help Emma`s family in the future.
Helen is a housewife who finds it difficult to make ends meet. Her only dream is for her children to finish school and get nice jobs, but she's afraid that this will not happen if something bad happens to her. She feels that insurance will secure that dream.
Julie An was a nursing student, but she had to put her education on hold because of poverty. She hopes to one day graduate with flying colors. In the meantime, she has no fixed income, and nobody to rely on financially. Insurance will be beneficial for the likes of Julie.
Floresta is a housewife. She experienced losing both her parents on the same year. It was difficult for their family to cope both emotionally and financially. Floresta believes that with insurance, her family's future will be secure.
Mayette used to work as an elevator operator, but when the building she worked at caught fire, she lost her job. She currently has no source of income and relies solely on her husband to send her three kids to school. Insurance coverage will benefit Mayette's family in the event of a natural disaster or any other kind of emergency.
Christine’s wish is to see her children finish their education, something she was unable to achieve herself due to poverty. If she is given the opportunity to have insurance, her children will be financially stable in the event of her passing.
Shirley dreams that someday she will have her own home, as currently she lives with her relatives. This is something she has to work hard for as her salary as a housekeeper is not enough. Insurance is also something she wishes she has, but she would rather prioritize her basic needs.
Safronia says her family's poverty has taken a toll on her not only financially but emotionally. She experienced depression when she lost her baby during pregnancy and when their home was destroyed during a typhoon. Safronia says insurance can give financial assistance to them during calamities and other unexpected situations.
When typhoon Haiyan hit her hometown, Ruchel lost a majority of her properties. Not only did she lose her home, but she also lost family members. She knows that unexpected events like those happen, that`s why she would like to have insurance coverage.
Myra was diagnosed with soft tissue sarcoma, a type of cancer, which rendered her unfit for certain jobs. She was also buried in debt because of her medications. All she wants now is a farm where she can get food or a small business that she can manage. Given her condition, insurance would greatly benefit her and her family.
Gemma’s work as a weaver allows her to provide for her family’s needs, but when there is no one buying her handicraft - (fabric), she is left with plenty of supply and no money at all. They would sometimes not eat for a day because they had no money to buy food. During emergency situations, Gemma feels that insurance will help cover her husband and children.
According to Rolando, being a farmer is extremely difficult. He is prone to illnesses, and his crops can easily be destroyed by typhoons. His monthly earnings of $20 a month are barely enough to buy food and medicine for his family. At the ripe age of 64, Rolando is considering insurance to be the only way to financially cover his loved ones.
Felicitas earns $120 a month as a weaver in her local livelihood cooperative. She works hard every day in order to keep her children in school. Financial constraints have been a lifelong problem for her, and thus she understands the importance of having a safety net such as insurance.
Cresenciana is a housewife and a mother of two. As a way to reduce their spending, they have a small garden for crops. However, due to drought, they would wither and die, leaving them with little to no food to eat. As a way to leave her legacy to her loved ones, Cresenciana would benefit from having insurance.
Jorelyn earns only $36 every month from her farming job in the province. She hopes to one day see all of her six children march onstage when they graduate, but admits she doesn`t know where to get the money for their tuition every year. Insurance will be essential for Jorelyn, as she is the breadwinner of her family.
Joy is a wife and mother of nine. She and her husband Dante struggle to provide their children not only with their basic needs but also with their education and daily school allowance. They would sometimes sleep at night with an empty stomach because they have no food to eat. Insurance can help support Joy's family and give them peace of mind.
"When Melanie was younger, her parents had to stop her schooling because they were poor. She felt that she was robbed of an opportunity to find a stable job because she was unable to get her degree. However, she still feels lucky to be able to now support herself as a housekeeper in her hometown, however small her pay may be. Melanie wants to leave a legacy for her loved ones through insurance."
Because Marites grew up poor, she had to stop going to school in order to work and support them. Currently, she is a weaver in her local community, the sales from which go directly towards her children’s education. Life can be unpredictable, and so Marites needs insurance should something unfortunate happen to her.
Maricel’s husband used to have a job, but due to unforeseen circumstances, he lost his source of income. Maricel has no job either, and admits that it has been difficult stretching the little money they had for their daily needs. Insurance will guarantee that her family will be left with enough money in the future.
Honey Grace had fluid on her chest that needed to be surgically removed. Because of financial
constraints, she could not pay for the hospital bills and incurred debt. She also experienced problem
arranging the funeral of a relative who died unexpectedly. She would like to have insurance this time so
her family would not have another financial problem.
Armando`s mother is unemployed, and his father does not have a stable job. Their family situation forced him to stop schooling. However, he still wants to pursue studying and finish college someday. He also wants to regularly train for Muay Thai and compete abroad. He would like to have insurance in case he needs emergency financial assistance.
Letecia`s income of $40 monthly has to be spread out thinly in order to cover the family`s expenses. This does not leave room for emergencies or hospitalization. If ever Letecia is granted financial assistance, she and her family will have peace of mind.
Due to Mary’s work as a farmer, she constantly suffers from body pains, cough and colds. Unfortunately, she is unable to seek medical help because money is scarce. She would rather spend it on food and shelter for her family. She wants to have insurance so loved ones will not have to go through the same difficulties she has.
Lydia lost her husband due to an illness, so she had no one to help her raise their son. With unstable
income as a dressmaker, sometimes just $6 a month, everyday is a struggle for her. With insurance,
Lydia would have one less thing to worry about.
Rosebelinda suffers from a pulmonary disease which has rendered her unable to work. This is made complicated due to the fact that her three children rely on her for their needs. In case something unfortunate happens to her, insurance can guarantee that her children will be taken care of.
Amalia’s husband was the breadwinner of the family until he unexpectedly suffered a stroke. This subsequently led to loss of their sole source of income. Amalia had to make ends meet by working as a weaver, earning only $30 each month. Learning from life’s lessons, she wants to be insured so that when something happens to her, her family will be provided for.
Arnel works as a laborer. He has been taking care of his children since his wife passed away. He wants to see his children getod jobs. Getting insurance will help his family in case of unfortunate events.
When Dandy's father passed away, he and his siblings were forced to quit school. His professional experience has been limited because he was not able to finish his elementary education. He is currently unemployed and is unsure about his family's future. A littlees a long way, and if given insurance, Dandy's family will be able to keep their head above water.
Emmielord dreams of having her own business someday so she can have more income, as the $30 she earns monthly being a member of her local cooperative is not enough for her family’s needs. Given their situation, insurance would greatly help them.
Jingle works as a cook in a local diner. As a way to augment their income, she and her husband take out loans. However, the money they earn now only goes towards paying them. She hopes to be covered by insurance so that her children are protected in the future.
Jomarie`s parents are separated and his father is jobless. Despite the situation, he still completed high school through the Alternative Learning System (ALS). He currently takes a vocation course, and hopes to finish it soon. Jomarie would like to receive insurance donation to support household needs that may arise.
Irene is a farmer in the southern part of the Philippines who earns just less than $40 a month. Since her husband passed away, life has been hard for her. In the event that the unfortunate happens to her, she wants to leave something for her son, so she needs insurance.
Rylen was unable to go to college due to poverty, so she had to make the most of the opportunity given to her, working as a weaver in her local livelihood cooperative. According to her, she finds it difficult to make ends meet, even being unable to give her children their daily allowance for school. Rylen wants to prepare them for the inevitable by having insurance.
Edwin, his wife Leonora, and their two children try to make ends meet with a monthly budget of 5,000PhP (100USD). They hope to start their own small business, as their current jobs do not pay enough. Edwin hopes to get insured for his family's security in the future.
Joselito works as a farmer in the province. His monthly stipend of P4,500 Pesos is barely enough to feed his family. On top of that, he has a heart and kidney ailment which means spending on expensive medications. To make sure that Joselito's family will be covered in the event that something happens to him, he will need insurance.
Angelita finds it a challenge when drought affects the land she farms as it means no income for her family. Despite this, she’s still doing her best for the sake of her child’s education. With insurance, she will feel secure in case of the unexpected.
Ana suffers from heart disease, while her husband, who had leprosy, got into an accident in the
hardware store where he works for. With what they are experiencing, insurance would be of great help
as it would provide financial security for the family.
Teresita and her family have encountered hardships during the past. Their home was destroyed by a storm, her husband Alejandro lost his job, and her relatives passed away. Because she knows that unfortunate events can happen at unexpected times, Teresita feels that insurance can guarantee her family a safety net.
Losing her mother at an early age had a huge impact on Eleonor not only emotionally. She also had to
stop schooling because her family could no longer afford it. Now working as a weaver, she hopes to
improve her craft so she can get better pay to fund her child’s education. She needs insurance in case of
Edna works as a farmer in her hometown. Her dream is to live a comfortable life with her husband, children, and grandchildren. Insurance coverage will provide financial wellbeing for her and her loved ones.
Welnafe’s short-term goal is to save enough money to earn capital for her weaving business. However, this has been difficult to achieve because she has to prioritize her children’s needs. In case something happens to her, Welnafe’s family will be in good hands with insurance.
Jocelyn is a single parent of four. She works as a street vendor to make ends meet. Typhoon and floods devastated her home, and her family had to temporarily live at an evacuation center. Jocelyn says that insurance can help her during emergencies like the one she experienced.
Jessette admits that times have been tough ever since she lost her job. Now she is a homemaker, taking care of her children and husband, and helping out in however way she can. Having insurance will provide Jessette and her family peace of mind.
Due to upredictable weather conditions, Normelita’s work as a farmer can be difficult. Aside from the spoiled crops, her health is compromised as well. These factors affect her ability to earn money, and she admits that it is difficult to stretch the little amount of cash she has. Insurance will help alleviate the financial problems Normalita’s family may face in the future.
Sarrah was able to finish high school, but decided not to push through with her college education and instead worked as a weaver to augment their family’s finances. Her $60-a-month income is small, but she has to make the most of the blessings given to her. Sarrah wants to live life knowing that she helped protect her family financially.
The death of Teresita`s husband was a big blow to her entire family. Aside from losing a loved one, losing their breadwinner has been financially difficult for them. Teresita works twice as hard as a laborer just to make ends meet. Insurance for Teresita will provide coverage for her loved ones should the unfortunate happen.
Sally was lucky enough to reach college though she was not able to finish it, compared to women in her
neighborhood who dropped out of school earlier. However, it was still not enough for her to find a
decent-paying job, so she struggles to provide for her three children. She hopes to have insurance as a
Rosalia’s dream is to see her child graduate from college. In order to do that, she works tirelessly as a vendor to provide education and school supplies. Sadly, Rosalia’s husband passed away years ago, and so she has become the breadwinner of her family.
Eulalia has gone through hardships in her life, but the most devastating is the unexpected death of one of her children. As a way to cope with the family`s loss, Eulalia works twice as hard as a farmer. As a way to shield her loved ones in case of emergency, she will need insurance coverage.
Living in a predominantly agricultural town, Ruel works as a farmer, earning only $200 a month. This is not enough to feed all of his five dependents. He hopes to save enough money to put his children to college in the future. As the family breadwinner, Ruel would need insurance.
Michael mainly works as a trisikad (rickshaw) driver. Whenever menial jobs are available, he takes them up for additional income for his family. These are usually physical jobs with medium to high risk of accidents. Because of the nature of his job, Michael is aware that he needs insurance to adapt to volatile times and cover him in the event of misfortune.
Aurora wasn't able to finish studying, so now that she already has her own children, she wants to make sure to feed them well and to support them in their dreams. If anything happens, being insured will help her accomplish heral as a parent.
Kent is a person with special needs who was unable to finish his elementary school education due to poverty. His father unfortunately passed away, so his mother is his sole provider. If given the opportunity to have insurance, Kent and his mother will have one less thing to worry about.
Ronnie'sal is to alleviate his family's poverty and improve their quality of life. A high school graduate, Ronnie works as a trisikad (rickshaw) driver in his hometown. He has experienced his fair share of unfortunate events, including seeing his home destroyed during a heavy typhoon. He hopes that with insurance, his family is covered during times of crisis.
Elizabeth’s elementary school education has been a hindrance in finding a stable job. Her only wish is to get out of poverty for the sake of her dependent, her grandchild. Now that she is at a ripe age of 60, Elizabeth wants to have insurance so that her grandchild will live a comfortable life.
Because Sharon comes from a poor family, she had to work part-time in order to pay for her education. She is a weaver and laundrywoman to support her husband. Insurance is a priority for Sharon, because she wants her loved ones to have enough to support themselves in the future.
Catherine's home was devastated during a tropical storm in the past. They have rebuilt their home, but since then her family is uneasy every time they feel the slightest of winds. They hope to have insurance so that when a natural calamity hits them once again, they will have the financial capacity to get back on their feet.
Vivencia helps out her husband Juanito in financially providing for their children. However, the price of goods and school tuition are constantly on the rise, and Vivencia admits a feeling of helplessness at times. She fears that pressing problems might unexpectedly come up because they have not saved up for emergencies at all. Vivencia’s family will greatly benefit from financial assistance in the form of insurance.
Nanay Belen lives an indigent life. She's 45 years old and a mother of eight children. She works as a volunteer, but sometimes she earns nothing. However, she motivates herself to work in order to make ends meet and to take better care of her sick husband. She hopes that insurance will lessen her problems.
Ezra was raised by her grandparents, and when her grandfather died, she had to find a way to bring food
to the table, and that was through weaving. She now works hard to give back to her grandmother who’s
been getting sick because of old age. Insurance would be of great help in case something happens to
Joel was one of the million Filipinos who had to work abroad to provide for their family. Financial problem started, however, when he returned home and could not easily find a new job. Now a farmer and an auxiliary police officer, he dreams of a better life for his family, and a part of that is being insured so his family will have something in case of emergency.