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.

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Life Insurance

How Much Life Insurance Coverage Do You Actually Need?Most people either guess a round number or copy whatever their friend bought. Here is a practical, income-based way to figure out what your household would actually need.

7 min readJune 2, 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.