Ultima Blog

Insurance guides, written for Cebu

Practical, no-hype reading on life insurance, HMO, motor and fleet coverage, travel, and employee benefits — matched to real questions from clients across the Visayas.

Group & Employee Benefits

Group Accident Insurance: A Practical Guide for Cebu SME EmployersSME employers in Cebu often assume HMO alone covers workplace accident risk. Group accident insurance covers a different, specific gap — here is how it works and what it actually protects.

7 min readJuly 7, 2026

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Insurance 101

Why a Multi-Carrier Insurance Agency Gets You Better Coverage in CebuA single-carrier agent can only offer you what one company sells. Here is what changes when your advisor is accredited across several local and international insurers instead.

6 min readJuly 7, 2026

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Travel Insurance

Travel Insurance for OFWs: What's Actually CoveredOFW travel insurance conversations often get mixed up with mandatory OWWA coverage. Here is a clear breakdown of what personal travel insurance actually covers on top of that, and where the gaps usually are.

7 min readJune 30, 2026

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Motor & Fleet

What Does Fleet Insurance Actually Cover for SME Delivery Vehicles?Running three, five, or twenty delivery vehicles on separate individual policies gets expensive and hard to track. Here is what fleet insurance actually covers, and how it differs from insuring each vehicle on its own.

7 min readJune 23, 2026

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FAQ

Frequently asked questions

Is the first consultation really 100% free?What does "multi-carrier" actually mean for me?Which areas do you serve?Can I meet with an advisor online instead of in person?How does claims support work once I am enrolled?Do you only work with individuals, or also SMEs and companies?

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.