Personalized Insurance Fit Report
Coverage gaps, overpayment risk, and what to prioritize — specific to your answers.
Fit Check
Insurance clarity for Filipinos
A 2-minute fit check, not a sales call.
Finally know if you're overpaying, underprotected, or just confused about your insurance.
Without pressure. Without fake urgency. Without another sales pitch pretending to be financial advice.
Start My Free Fit Check
2 minutes. Built for Filipinos already paying for VUL, HMO, or term.
Free
2 minutes
★★★★★5 stars
100+ clients
10,000+
Fit Checks given
₱500M+
coverage secured
Hi, I'm Josh 👋
MDRT 2026 · 3+ yrs in the industry
I listen first before recommending anything.
2 min · That's all
The honest middle ground
Most people aren't underinsured because they're lazy. They're confused.
You already have something — a VUL, an HMO, maybe both. The question that loops in your head: Protected ba talaga ako? Tama ba 'tong binabayaran ko? May kulang ba? That confusion is expensive. Most people only find the gaps during an emergency. That's the costly way to learn.
Take the Free Fit CheckA quick honesty check
This is for you if…
- You support parents, siblings, partners, or kids on your income.
- You already have a VUL or HMO and still feel uncertain.
- You're earning more now and unsure what protection should come first.
- You want clarity before another agent corners you.
This is notfor you if…
- You're hunting for the absolute cheapest policy, period.
- You're not open to reviewing your real numbers.
- You want a guaranteed recommendation with no context.
- You think HMO automatically solves everything.
How it actually works
Get the right plan in just 2 easy steps.
12 minutes
Take the Free Fit Check
Get your Insurance Fit Report
- See exactly which benefits apply to you
- Discover how much coverage you really need
- Sent directly to your email
2Free 1-on-1
Book a No-Pressure Walkthrough
Get plans that fit your numbers
- Personalized recommendations from a licensed MDRT planner
- Plans that fit your budget & priorities
- No pushy sales — just clarity
Walk away knowing exactly how much protection you need, what it covers, and the best-fit options within your budget — without feeling lost or pressured.
What's actually included
A real fit check. Not a brochure.
Optional no-pressure Zoom walkthrough
Josh reads your report and walks through 1–3 plan options out loud. 30–45 minutes.
Simple cashflow review
So the plan fits your real budget — not a fantasy spreadsheet.
Bonus resources
Coverage Gap Checklist + "Questions to Ask Before Buying Insurance" guide.
The Fit Check is free. If you eventually buy a plan through Josh, the provider pays him a commission — said upfront so you can decide on your own terms.
Common questions
Things people actually ask.
“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.
What clients say
Real clients. Real clarity.
Jane
Josh helped her structure her salary, protect her income, and prepare for retirement with long-term investments.
Joan
Skeptical about insurance at first — stayed because Josh explains things in a simple, clear way. Client for over a year now.
“Highly recommended si Sir Josh! Napaka-professional niya at madali siyang kausap pagdating sa financial matters. Makikita mo talaga na expert siya sa ginagawa niya!”
CG
Charles G.
via Facebook · November 2025
“Josh has been incredibly responsive and genuinely caring throughout my inquiries, application, and final review. He even met me personally to deliver my new policy and treated me like a brother — someone truly concerned about my finances and overall well-being.”
WW
Wino Wei
Volunteer worker, Zion Christian Mission Center PH
via Facebook · November 2025
“Madaling kausap at napakasmooth ng process. Josh really cares about his clients and will go an extra mile to invest time about queries. Highly recommended.”
A
Axl
via Facebook · November 2025
Fit Check
Insurance clarity for Filipinos
Stop guessing. Start with clarity.
Two minutes. No agent calls unless you ask for one. If your current setup already fits your life, Josh will tell you honestly. That's it.
Free2 minutesNo forced sellingCommission disclosed upfront