Pillar I
Family
The reason any of this matters.
For the Filipino breadwinner
Your income protects them today.
Your income protects them today.
What protects them tomorrow?
Most Filipino breadwinners think they're covered — until they see the numbers. In sixty seconds, see exactly where your family is exposed, and the smallest move that closes the biggest gap.
An honest planning practice by
Engr. Gladys Grace Abapo
Manulife Financial Advisor
IC-Licensed (PH)
Cebu · Manila · Online
0
Filipino households are under-insured (Insurance Commission, 2024)
₱0
Average single hospitalization cost in PH metros
0
Of breadwinners have less than 3 months of emergency fund
0
To finish the score — typed on a phone
Why this exists
"Earning well" doesn't equal protected.
You can be the highest earner in your family and still be one accident, one diagnosis, one redundancy away from a financial crater. Most people don't see it because their plan was sold to them — never built around them.
- ✓Employer HMO disappears the day you leave the company. Most plans don't follow you.
- ✓VUL premiums often inflate beyond what your family will actually receive in coverage.
- ✓"Bundles" hide the real numbers. You deserve to see the math, not a brochure.
- ✓Most "free consultations" are sales calls. Ours starts with the diagnostic.
Reality check
₱0
is what 10 years of your income at ₱65k/month is worth. How much of it is actually insured?
What we actually protect
Four pillars. One quiet promise.
Every Filipino household runs on the same four engines — and one weak engine can bring the rest down. Gladys helps you see all four at once.
Pillar II
Income
The engine that powers the whole household.
Pillar III
Health
One bill away from undoing years of saving.
Pillar IV
Wealth
What you build — once the rest is safe.
How it works
Three honest steps. No hidden agenda.
A short diagnostic, a clear picture, then a real conversation only if it's worth having.
1
Take the 60-second quiz
Five questions about your income, dependents, current coverage, emergency fund, and health protection. No name needed to start.
2
See your Protection Score
An honest 0–100 score with a category-by-category breakdown. You'll see exactly where you're solid and where the holes are.
3
Book a real planning call
Only if it's relevant. A licensed planner walks through your gaps and shows you the smallest fix that moves the needle.
Your strategist
One name. One promise.
Behind every plan on this site is one person you'll actually work with — no call rotation, no anonymous voices, no offshore desk.
Risk Strategist for Filipino Breadwinners
Engr. Gladys Grace Abapo
Licensed Financial Advisor · Manulife Philippines
An engineer by training, Gladys built this practice after watching too many breadwinning Filipinos discover their "coverage" was paper-thin — only after life had already struck. The Protection Score is her answer: an honest read, in sixty seconds, of where a household actually stands — and a clear conversation about what to do next.
- Manulife Financial Advisor · in good standing
- IC-licensed · Insurance Commission, Philippines
- Engineering background · the math is checked twice
- Bias toward clarity over commission
Stories
From "I thought I was covered" to "Now I actually am."
My VUL had a fancy name but the actual coverage was barely 2× my annual salary. I had no idea until I saw my score.
Two kids, no emergency fund, employer-only HMO. Score: 28. Six months later: 71. Worth the awkward 60 seconds.
What I appreciated: nobody pitched me on the call. They explained the gap, gave me options, let me decide.
Frequently asked
Honest answers to the questions you'd actually ask.
Is the Protection Score really free?
Yes. There's no payment, no subscription, no obligation. The score is how we earn the right to a real conversation — not a paywall.
Will I be spammed by agents after this?
No. We don't sell or share leads. We only contact you if you book a planning session yourself. You control whether the conversation happens.
How is the score calculated?
Five dimensions — life coverage, emergency fund, health protection, dependent responsibility, and income capacity — weighted to reflect what actually keeps a Filipino household stable through a 6–12 month income shock.
Is Gladys an insurance company?
No. Gladys is the planning practice of Engr. Gladys Grace Abapo, a licensed Manulife Financial Advisor. Insurance products themselves are issued by Manulife Philippines, an IC-licensed insurer. We help you see the picture and choose what fits — we don't underwrite.
What if I already have insurance?
Even better. The score will show you whether your current setup matches your actual exposure — many people discover they're paying for coverage that doesn't actually fit their situation.
How long does the planning call take?
30 minutes by default — by Zoom, phone, or in person in Metro Manila, Cebu, and Davao. No paperwork required to attend.
Prefer to talk first?
Have a question? Just say hi.
Not ready for the score yet — or want a human to walk you through it? Drop your details and a licensed planner will reach out within one business day. No script. No pitch.
- One-business-day response — guaranteed.
- You choose the channel: email, call, or text.
- No marketing list. No spam. No data sold.
hello@gladys.ph
For email replies and longer questions
+63 917 123 4567
Mon–Fri, 9am–6pm PHT
"It felt like a conversation, not a sales call."
Real client · 2025
Tell us where to reach you.
Email or phone — your call. A licensed planner replies within one business day.
✓
Thank you. We have your details.
A licensed planner will reach out within one business day.
You'll know in 60 seconds if there's something to fix.
Join 4,820+ Filipino breadwinners who finally have an honest read on where they stand. Your score is private and free forever.