Insurance coverage matched to you — not the carrier.
Ultima Insurance Agency is Cebu City's multi-carrier insurance advisory, matching each client to the right life, HMO, motor, or property coverage after a real risk audit.
Who Do You Want to Protect?
Coverage Level
Estimated Annual Investment
₱21,100
Indicative estimate only — final premium confirmed by your advisor. No fixed price, no hidden charges.
Eight lines of coverage, one agency
Every product placed with the accredited carrier that fits your situation best.
Exclusive benefits through Ultima
First Consultation — 100% Free
Your first consultation is completely free — we use it to audit your current coverage and match you to the optimal Maxicare HMO plan for your situation.
Book Free ConsultationUnlimited Consultations + Free Annual Physical Exam
The Ultima Maxicare Co-Marketing Benefit: unlimited consultations plus one free Annual Physical Exam (APE) at any Maxicare Primary Care Clinic.
See HMO PlansCebu's rainy season doesn't wait for you to be ready
The Philippines sits on the typhoon belt and the Pacific Ring of Fire, so flooding and earthquake risk are both a real possibility for any home, vehicle, or business in Cebu. Without the right property and motor coverage, a single storm or tremor can turn into years of debt instead of a manageable claim.
See Our Products
Beyond the transaction
We serve with passion toward your long-term progress — not a one-time sale. Claims support and renewal follow-up are part of the relationship, not an afterthought.
Audit first, recommend second
Every quote starts with an honest look at what you already have and what you actually need — including your free first HMO consultation.
Multi-carrier, not single-carrier
We're accredited across multiple licensed insurers, so the recommendation is built around your risk profile, not a single carrier's product line.
Frequently asked questions
Is the first consultation really 100% free?
Yes — no obligation. We audit your current coverage, budget, and real risk first, then recommend a plan that fits. Sometimes that means a smaller policy than you expected, or none at all if you are already well covered.