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Tips to #LiveBetter with Vitality in 2018

Happy New Year! Every new year means new beginnings and the first few weeks of the year is a good opportunity to develop new lifestyle habits. These minor lifestyle tweaks are what it would take to reach different goals.

An example is waking up earlier than usual like 5am. This is one of my favorite new year resolutions that I actually started before the end of 2017. Vlogger Sam Ozkural inspired me to do it, watch her video on how waking up early can change your life:

Many of our goals can be categorized into relationships, career, finances, and health. At a glance they look so different from each other but they’re actually so interconnected. An example is when you’re healthy you’d be able to perform better at work, possibly get that promotion that will improve your finances, and allow you to take care of your relationships such as family, especially your children.

Quick and Easy to Do Wellness Hacks to Try in 2018

Taking this example, here are things you can do now to improve your health and spread wellness in all aspects of your life:

1. Relax your senses with scented candles as you destress after a long day at work. You deserve these few minutes of peace and quiet. It’s a simple way to love yourself more and feel taken cared of.

2. Squeeze in a few minutes of fitness no matter where you are. I recommend using any type of resistance bands. They’re portable, affordable, easy to store, and you can find full body workouts on YouTube that use resistance bands. If you’re new to working out, this is a good and practical way to start.


Tip: Watch Camp #LiveBetter for inspiration on how to get fit outside of the gym. You’ll also learn fitness tips straight from celebrities Solenn Heussaf, Nico Bolzico, and Raymond Gutierrez. Camp #LiveBetter is a total wellness game show powered by Philam Vitality that will help contestants train harder, eat healthier, and manage their finances better.


3. Fuel your body with complex carbs like brown rice or biodynamic rice. From my own experience, brown rice is the easiest way to lose belly fat. I even think they help in building abs! I’m not a nutritionist so try it for yourself in 2018 and let me know how brown rice helps you.


4. Worry less about your finances by making informed choices. One of the worries we’ll always have is money. But, if we take charge of our financial wellness by learning more then we’d fear less about the future and enjoy our life more.

Make it one of your habits to check out financial products from different companies. Here are 3 financial products to check out from Philam Life:

Active Money Works

Active Family Provider

Active Health Invest Plus

You can read about other financial products from this blog here. Contact a registered financial planner or a licensed financial adviser if you’re interested to know more about these investment and insurance plans.

5. Make every day count. Days make up weeks, months, and an entire year. Don’t wait for tomorrow and rob yourself of achieving your goals and living your life to the fullest. One of my mantras this year is to “just go” because sometimes, overthinking gets us nowhere and as they say – action speaks louder than words. Try to squeeze the most out of each day. Make every day the best day of your life.


What are your New Year resolutions and goals? Please share your tips and motivational thought via comments below! 

Mommy Lace is a blogger from the Philippines. She started this blog to share information on pregnancy, breastfeeding, childcare, family, and health.

Microinsurance and Disaster Preparedness | Affordable Life, Accident, and Property Insurance

Disaster preparedness is more than packing a go bag with flashlights, first aid kit, and food supply. During the 2017 Disaster Resilience Forum, resilience has been defined as having the ability to get back on one’s feet after a disaster. In the Philippines, this means typhoons, earthquakes, and on a smaller scale – accidents like fire or death can also be considered as a disaster for the Filipino family.

Cebuana Lhuillier and the Insurance Commission are working together to provide tools that can help protect Filipinos against these disasters. One of these tools is microinsurance.

What is micro-insurance?

Micro insurance has a more affordable premium compared to standard insurance products. Microinsurance premiums are usually within a minimum-wage worker’s capacity to pay.  By definition, an insurance guarantees compensation for specific loss, damage to property, illness, or death in exchange of paying the premium.

Cebuana Lhuillier is one of the leading microinsurance provider in the Philippines. They have microinsurance products that protect from the following:

– Burglary, and robbery insurance for small and medium enterprise business
– Fire, lightning insurance for home owners
– Accidental death, dismemberment, and disablement insurance
– Acts of nature on vehicles and more

If you remember during Ondoy, many cars were submerged in flood. Unfortunately, not all car owners are insured and majority had to shoulder the cost of repair to get their vehicles running again. For those whose vehicles were insured, the insurance company shoulders the cost of repair and damage incurred. Take note that different insurance companies would have different limits, terms, and conditions.

How much does microinsurance cost?

Citing from the Cebuana Lhuillier website, microinsurance premium can be as low as P10 pesos. But one of the most attractive microinsurance product that they carry is the Alagang Cebuana Plus (ACP) Gold.

Alagang Cebuana Plus (ACP) Gold cost only P40 pesos and is valid for 4 months. After 4 months, you have to pay another P40 to keep you and your family protected from the following and receive the respective benefits:

1. Accidental Death, Dismemberment, and Disablement – P20,000 per Confirmation of Cover (COC).
2. Murder and Unprovoked Assault – P5,000 per COC.
3. Fire Cash Assistance – P5,000 per COC.
4. Micro-life insurance (death) – P5,000 per COC

Another microinsurance product offered by Cebuana Lhuillier is NegosyoCare. NegosyoCare is designed to protect micro, small, and medium enterprises (MSMEs) from damages to property caused by fire, typhoon and flood, and even burglary and robbery. Negosyocare premium cost P1,500-2,500 and is valid for 1 year.

These are just 2 of many microinsurance products offered by Cebuana. You can check the complete list of microinsurance products suitable for different types of needs whether you are a homeowner, motorist, security guard, employee, and depending on your budget.

Cebuana Lhuillier also recently introduced RAPIDO which stands for Claims Rapid Action in a Disaster-Stricken Area Operations. RAPIDO is an initiative that enables Cebuana Lhuillier Insurance Solutions (CLIS) to immediately process and settle claims right at the site where a disaster had just occurred.

Mommy Lace is a blogger from the Philippines. She started this blog to share information on pregnancy, breastfeeding, childcare, family, and health.

It’s Life Insurance Consciousness Week!

Financial literacy among Filipinos remain low and only about 1% of us participate in the stock market and/or are protected with some form of insurance. It is only during times of calamities, disasters, death, or illness that many of us start thinking about it. “Sayang, sana may insurance ako”. “Kung meron lang ako o siyang insurance”.

Insurance Commissioner Emmanuel Dooc, FALIA managing Director Toru Nagashima, PLIA President Gregorio Mercado, and FALIA Director Yoshitaka Masai

In fact, the Philippine Life Insurance Association (PLIA) noted that sales of insurance surged after Ondoy and Yolanda. “It is a very steep price to pay to learn the value of insurance,” says Insurance Commissioner, Emmanuel Dooc.

Because Filipinos lack education in terms of Financial Literacy, there is buyer’s remorse and several misconceptions about investing on insurance. There is also a challenge in terms of our persistence to keep our insurance policies. I first heard about insurance through my mother, whom through her hard work has put us all three children to college by herself with the help of insurance.

Watch: Misconceptions about Life Insurance

Spreading Financial Literacy Awareness to the Filipino Youth

We live in an exciting time where there are now several channels to learn about managing our finances. There are online blogs, financial lectures and seminars on YouTube, and even TV programs. My favorites are ANC’s On The Money and Cathy Yang’s Market Edge.  For the youth, Knowledge Channel recently launched a new program called “Estudyantipid”. Still, these are resources that will not come to us if we do not seek for them.

In celebration of Life Insurance Consciousness Week, the Philippine Life Insurance Association (PLIA) in partnership with the Foundation for the Advancement of Life Insurance around the World (FALIA) are coming to different public and private high schools and hold a series of lectures for  its students .

The lectures will focus on life insurance and answer questions like how does life insurance strengthen the foundation of my family? How will it help me achieve my financial goals? And, how will life insurance contribute to my well-being?

FALIA managing Director Toru Nagashima noted that in Japan, financial literacy courses are included in the students curriculum and has been running for more than 20 years. In the Philippines, financial literacy is not really taught in schools but there are now ongoing programs backed by different financial institutions.

FALIA-PLIA Essay Writing Contest

To encourage even more students to be financially literate, FALIA and PLIA are also hosting an essay writing competition. The top three winners will get to enjoy an all-expenses-paid trip to Japan while runners up will win up to P30,000 in cash.

If your child’s school is not included in this year’s program, you may still check out PLIA’s Financial Education Curriculum for Philippine Secondary Schools. Here you can learn about identifying your financial needs and increase your financial knowledge with your child. Teachers will also find here interactive multimedia materials, curricular toolkit containing sample lesson plans, student activities, and other teaching aids.

Tips on How to Teach Children About Money

FALIA Director Yoshitaka Masai advice parents to teach children about finances as early as 8 or 9 years old. In Japan, he noted that by this age – Japanese children already have a solid idea of what savings and insurance are all about.

Insurance Commissioner Emmanuel Dooc adds that the best way to educate children is by setting a good example. Start them young to develop practice of saving. For instance, part of their allowance must be put to their savings i.e. coin banks. Parents must also show children how to prepare family for any contingency, this means that you do not borrow “utang” and you must know how to use credit cards responsibly. Paying just the minimum amount on your credit card bill means you may not be managing your finances very well.

PLIA President Gregorio Mercado advice parents that when they invest, be careful not to be a victim of scam. Greed turns into loss, be careful of promises of very high returns. Mr. Mercado notes that right now, it is easier to be invested in many ways – not just life insurance but also in mutual funds for as low as P5,000. He reminds everyone that no one is exempted from dying, getting sick, or being a victim of disasters. Having insurance allows us to live with peace of mind and enjoy a quality life.


How do you teach your children about money? Please share your tips via comments below :)


Mommy Lace is a blogger from the Philippines. She started this blog to share information on pregnancy, breastfeeding, childcare, family, and health.

HMO Healthcard: Philcare ER & Health Vantage

Every year I review and research about healthcards for my family’s sake. Ever since my son was born, we decided to set budget aside for HMO membership. This is on top of our PhilHealth. Both of which are private/voluntary accounts since we are only self-employed.

Our current provider is Medicard, so far we are happy with their service except for the rising fees every year. This year, we could barely afford the annual membership for our family of three but thank God we made it.

I looked at other HMOs then: Caritas, Maxicare, Intellicare, etc. but they were either more expensive or have very small coverage.

Philcare ERVantage

I just learned about this product from Philcare last week. To be honest, Philcare was not on my research list (I did not know about them) but an acquiantance who now works in the company told me about their products.

Essentially, PhilCare made insurance buying easier in that you can buy insurance online in 3 steps via In this post, I want to focus on reviewing the benefits, usage, and cost of ERVantage.

UPDATE: For everyone asking and want to buy from a real agent and not online – please contact my agent Ms. Susan Ariola at 09199909973. She will gladly assist everyone :)

ERVantage is short for ER advantage. Cases coming from the ER will be covered up to confinement i.e. Appendicitis, viral infections, dengue and more. Dreaded diseases/cases like stroke, heart attack, hypertension and more are not covered. This product is for relatively healthy persons up to 64 years old.

Personally and most of the time, our confinement are decided in the ER. It is the first place that our family goes to when for example our son gets fever for more than 3 days. Recently, I was also in the ER when the doctors found out I had dengue. My husband was also recently in the ER because of kidney stone. I guess if we used Philcare in these cases, we wouldn’t have any problems just the same as with our current HMO.

The major difference is the price. ERvantage starts at P900 to P1,300 only for 1 year. The coverage starts at P40,000 to P80,000. However, unlike a regular or the usual healthcard ERvantage is for one time use only. For multiple use products that are not limited to ER leading to admission, check PhilCare HealthVantage.

Another difference to note is that ERvantage as mentioned earlier does not cover the more serious dreadeD diseases, including epidemics think (mers-cov) that would be declared by DOH.

Two of my family members are now using PhilCare ERvantage 80 (P1,300) , it is my gift to them since I cannot afford to gift them with the traditional healthcard but come to think of it, it offers almost the same feeling of security & preparedness when time of illness comes. ERVantage 80 includes private confinement.

Actual card that will be delivered to your door

Although I don’t wish for them to get sick, I am anxious to know how it would be like to use Philcare healthcard in actuality.

From the website, you only need to present your card which I recommend that you laminate (it’s carton-like and not made of plastic) just as you will with a traditional healthcard. The list of hospitals is listed on their site, for ERvantage the top hospitals like St. Lukes and Medical City are not included. I am happy to see though that almost all hospitals in our town in Cavite where we live are included.

Since this product is single-use regardless if you used up the P80,000 or not, once you use it you will need to buy another card if you want continuous coverage. Not bad at all for the price.

Philcare Healthvantage

Since we are currently with another HMO this year, I am seriously considering Philcare as a reasonable alternative next year especially if we can no longer afford the traditional HMO. For my family I would prefer the HealthVantage, slightly more expensive at P6,500 but includes the top hospitals and can be used multiple times. This can be used for both emergency and elective cases up to admission plus accident and life insurance coverage.

Because dreaded/serious conditions are not covered, a good option is to get a separate critical illness insurance (maybe Sun LifeAssure that starts at P4,000) to compliment your Philcare coverage.

Philcare will release more products soon, here’s hoping more serious cases can be included even with a more expensive price so that all of us can have a convenient and comprehensive health coverage all in one and have a worry-free life :)

P.S. I am not yet a certified & registered financial planner but if you are interested in any products mentioned here, I can refer you to my trusted agents. Just leave a comment below.

Mommy Lace is a blogger from the Philippines. She started this blog to share information on pregnancy, breastfeeding, childcare, family, and health.

Working Mom: Getting Properties Insured?

Hi Mommies, just a quick post about insurance and money. We know very well money equates to hard work, sweat, blood, and tears. So how do we protect our hard earned properties from unexpected events and get covered? I have dabbled into insurance products but to protect our son’s future, not properties like an rv insurance that is heavily advertised in the US.

I have not seen an ad locally about insuring your house against fire, your car against flood, your business etc. Especially after what happened during Ondoy, it must be worth our time to look into this product.

Have you bought insurance for your properties yet?

Mommy Lace is a blogger from the Philippines. She started this blog to share information on pregnancy, breastfeeding, childcare, family, and health.