Finally know if you're overpaying, underprotected, or just confused about your insurance.

“Bebentahan lang ba ako?”

Fair question. The Fit Check starts with your situation. If your current setup already fits, Josh tells you honestly. If you don't need another plan yet, he'll say so.

“May insurance na ako.”

That's exactly why this is useful. Most people who take the Fit Check already have something. The real question isn't “do you have insurance?” — it's “does it still fit your income, dependents, and risks today?”

“May HMO naman ako.”

Good. But HMO and long-term protection aren't the same thing. HMO helps with medical bills. It doesn't replace income, protect your family long-term, or hand you a lump sum during critical illness.

“Wala pa akong budget.”

Then you're exactly the person the cashflow review is for. We don't jump to product recommendations — we look at your actual numbers and find what fits without breaking your month.

“Ayoko ng VUL.”

Okay lang. The Fit Check isn't about VUL. Sometimes term fits better. Sometimes critical illness comes first. Sometimes what you have is already enough for now. It's about fit, not forcing one product.

“Is this really free?”

Yes — the quiz, the Fit Report, and the qualified walkthrough have zero consultation fee. If you eventually move forward with a plan through Josh, the provider compensates him via commission. Said upfront, on purpose.