Keep Your Properties When a Critical Illness Tries to Take Them
You built your portfolio without a company safety net — one diagnosis shouldn't unwind it. Let's calculate the exact peso amount you need in a health fund before that moment arrives.
No obligation · confidential · we start with your goals, not a product.
Focus areas
Holistic Financial PlanningBusiness Owners & SMEsComprehensive Needs AnalysisIncome & Family ProtectionDebt & CashflowOne Diagnosis. Your Rental Units on the Market.
You've watched it happen to someone you know — a broker, a colleague, a friend — diagnosed with cancer or heart disease, and suddenly the family is scrambling to liquidate properties just to cover treatment. Because you run your own business, there's no HR department and no company medical plan standing between your portfolio and a six-figure hospital bill. Your current health fund, if you even have one, was never sized for this. And every month you delay, the gap between what you own and what your family would actually need quietly widens.
A Clear Peso Target — So Your Properties Stay Yours
Imagine knowing the exact amount you need set aside as a health fund: enough to cover critical illness treatment, replace your income through recovery, and leave every rental property untouched. That number exists — it's specific to your portfolio, your income, and your gap in coverage today. We start with a Coverage Check, not a product pitch: existing policies, emergency funds, property equity, and what's still missing. Walk away with a concrete ₱5M health fund target and a plan to reach it without selling anything you've built.
Coverage Check Before Product Push
We map what you already have — existing policies, emergency funds, property equity — and show exactly which gap could force liquidation if illness struck tomorrow. You see your real picture first; we talk products only after the diagnosis is clear.
Real Claims, Real Properties Protected
I walk clients through actual filed claims — critical illness riders, mortgage protection, retirement support — so you can see insurance deliver in real life, not just on a brochure. Proof that the benefit arrives when you need it, while you're still here to use it.
Self-Employed, Self-Insured — on Your Terms
When you're your own HR, VUL and critical illness riders work differently than they do for a salaried employee — I help you build the safety net that fits a business owner's income stream and portfolio. No generic plan; everything is sized to your numbers.
I Manage a Rental Portfolio Too — I Know What's at Stake
I'm a property specialist myself, running a rental business, so I understand the exact peso gap between what you own on paper and what your family would actually need if your income stopped tomorrow. That's why I always start by asking about your financial goals and your purpose — not the policy. I'm licensed through Pru Life UK and have walked clients through the full claims process, from diagnosis through approval, because clients don't just need policies — they need clarity, trust, and someone who will still be there during claims. You can verify my credentials and carriers below.
Pru Life UKLife · VariableReal estate professionals who kept their properties intact
5.0 ★ · 3 reviews — See what Metro Manila portfolio owners say after their Coverage Check.
★★★★★Since 2019, Sir Arnold has consistently provided us with exceptional service as our Pru Life representative. When we first started our policy in 2019, he took the time to explain everything clearly and patiently. He made sure that we understood the details of our policy by giving simple and relatable examples, which made it much easier for us to understand and appreciate the importance of our insurance. What I truly appreciate about Sir Arnold is how he always puts his clients' needs first. Even now, in 2026, Sir Arnold continues to provide the same level of excellent service. He regularly keeps us updated about our policies and shares important information and reminders regarding our coverage. This is especially helpful because, over time, we sometimes forget the details of the insurance we have. His consistent updates remind us of our benefits and help us make the most of our policy. We are truly grateful for his dedication and continued support throughout the years. His excellent service, genuine concern for his clients, and commitment to providing clear and helpful information are qualities that make him an outstanding insurance representative. We highly appreciate everything he has done for us since 2019 and look forward to continuing to have him as our trusted Pru Life representative.
★★★★★I have been a client since 2019, and I can confidently say that the level of service has remained consistently excellent over the years. He is professional, approachable, and always willing to provide guidance whenever I have questions or need assistance. What sets him apart is his commitment to his clients even after the policy has been issued. He continues to be responsive, ensures that concerns are addressed. His dedication reflects genuine client care rather than simply completing a transaction. Highly recommended! ⭐️
Arnold: A Property Owner Who Became Your Insurance Guide
I work specifically with real estate professionals in Metro Manila who run their own businesses and have no company medical coverage — because that's the world I live in too. Most money problems I've seen aren't really money problems; they're information problems, and they're solvable once you know your exact numbers. My approach is peer-to-peer and low-pressure: we start with a 60/20/20 review of your current finances, build a complete picture of your coverage gaps, and only then talk about the right product for your situation. I'm still there when a claim needs to be filed — that's the part that matters most.
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Calculate Your ₱5M Health Fund Target — Free
Tools and guides built for self-employed real estate pros who need real numbers, not generic advice.
I already have some savings and a few rental properties. Do I really need a separate health fund?
Property equity and savings look solid on paper, but they take time — and sometimes distressed prices — to convert into cash during a medical emergency. A dedicated health fund means your portfolio stays intact and your family isn't forced to sell under pressure while you're in recovery.
How do you calculate the exact peso amount I need?
We start with a Coverage Check: we map your existing policies, emergency funds, and property equity against the realistic cost of critical illness treatment and income replacement during recovery. From there we build a specific target — not a rough estimate — sized to your actual numbers.
What if I already have a policy from another agent?
A policy review is still valuable — and it's where I often find the biggest gaps. I can do a full review of your existing coverage and show you exactly what it would and wouldn't cover if you were diagnosed tomorrow, with no obligation to change anything.
Will you actually be there when I need to file a claim?
Yes — that's a non-negotiable part of how I work. When a BGC law firm owner was diagnosed with Endometrial Cancer, I walked her through every step: gathering documents, submitting to Pru Life UK on October 13, and having the claim approved two days later. Being present during claims is the whole point.
How is working with a self-employed advisor different from going directly to an insurance company?
I diagnose before I recommend — we map your gaps first, then match the right product to your specific portfolio and income situation. I'm also your advocate at claims time, not just at sign-up, which matters most when a critical illness rider actually needs to pay out.
Book your Coverage Check
In one focused session we'll map your existing policies, property equity, and the exact peso gap your health fund still needs to close.
Book your Coverage Check →No obligation · confidential · we start with your goals, not a product.
