Joana & Richard Alonzo - Insurance Advisers

Joana & Richard Alonzo - Insurance Advisers Insurance talk made easy. Expert and tailored advice. Dedicated to be with you from application to claim time.

19/06/2026

DOES INSURANCE REALLY WORK? πŸ€”

The short answer is YES β€” when the right cover is in place.

Recently, one of our clients received a Trauma Insurance payout, and only a few months later qualified for a Life Insurance Terminal Illness Benefit after their health condition significantly worsened.

πŸ’™ The insurance payout helped provide:
βœ… Financial support during a difficult time
βœ… Funds for treatment and everyday expenses
βœ… Peace of mind for the family
βœ… The ability to focus on health rather than money

Many people think insurance is only something you pay for and never use. The reality is that insurance is there for the moments you hope never happen.

No one expects to suffer a major illness, but when life takes an unexpected turn, having the right cover can make a significant difference.

Every claim is assessed based on the policy terms and medical evidence, but this is a real example of how insurance can provide support when it matters most.

πŸ“ž If you're unsure whether your current cover is enough, or you would like a review of your insurance, feel free to reach out to the team at Peak Financial Services.

Insurance isn't about expecting the worst. It's about being prepared for the unexpected.

πŸ“ˆ BAKIT TUMATAAS ANG INSURANCE PREMIUM KO TAON-TAON?Madalas naming marinig ito sa clients:πŸ’¬ "Bakit tumaas na naman ang i...
09/06/2026

πŸ“ˆ BAKIT TUMATAAS ANG INSURANCE PREMIUM KO TAON-TAON?

Madalas naming marinig ito sa clients:

πŸ’¬ "Bakit tumaas na naman ang insurance ko? Wala naman akong claim!"

The good news is, hindi ibig sabihin na basta lang nagtataas ng premium ang insurer. May mga valid reasons kung bakit ito nangyayari.

βœ… 1. Tumatanda Tayo
Habang tumatanda tayo, mas tumataas ang risk ng illness, injury, at health conditions. Karamihan ng insurance policies ay age-rated, meaning habang tumatanda ka, unti-unti ring tumataas ang premium.

βœ… 2. CPI o Inflation Adjustment
Maraming policies ang may automatic annual increase para makasabay ang cover mo sa inflation. Kapag tumaas ang insured amount mo, tataas din nang kaunti ang premium.

βœ… 3. Mas Mahal na ang Medical Treatment
Hospital stays, surgeries, specialist consultations, at medications are becoming more expensive every year. Kaya kailangan ding i-adjust ng insurers ang premiums para masigurong kaya nilang bayaran ang future claims.

βœ… 4. Mas Maraming Claims ang Nababayaran
Kapag mas maraming claims ang insurer na binabayaran across all clients, maaaring magkaroon ng premium adjustments para mapanatili ang sustainability ng insurance fund.

βœ… 5. Mas Maganda ang Benefits
Minsan nagdadagdag ang insurer ng bagong features, benefits, o mas mataas na coverage limits. These improvements can also affect your premium.

πŸ’‘ Good News! May Options Ka.

Hindi ibig sabihin na kailangan mo agad i-cancel ang policy mo.

Pwede nating:
βœ” Review ang iyong cover
βœ” Tingnan kung kailangan pa lahat ng benefits
βœ” Decline CPI increases (if suitable)
βœ” Adjust excess options
βœ” Restructure the policy to fit your budget

🚨 Huwag agad mag-cancel ng insurance dahil lang sa premium increase.

Kapag nagkaroon ka ng health condition ngayon at kinansela mo ang policy, baka hindi mo na makuha ulit ang parehong cover sa future.

Remember:
Insurance is not just an expense β€” it's protection for your income, mortgage, family, at future goals.

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Kung mahigit isang taon na mula nang huli mong insurance review, baka magandang panahon na para i-check kung tama pa rin ang cover mo para sa current situation mo.

πŸ“ž Richard Alonzo & Joana de Peralta
Peak Financial Services

πŸ“§ [email protected]
πŸ“§ [email protected]

🌐 joana-richardalonzo-insuranceadvisers.co.nz

04/06/2026

πŸ“ˆ Bakit Tumataas ang Insurance Premium Ko?

Madalas naming marinig:

πŸ’¬ "Wala naman akong claim, bakit tumaas ang premium ko?"

Narito ang ilang common reasons:

βœ… Tumatanda tayo – Habang tumataas ang age, tumataas din ang insurance risk.

βœ… Inflation (CPI) – Maraming policies ang automatic na nag-iincrease ng cover para makasabay sa pagtaas ng cost of living.

βœ… Mas mahal na healthcare – Tumataas ang presyo ng surgeries, hospital stays, at medical treatments.

βœ… Claims experience – Kapag mas maraming claims ang nababayaran ng insurer, maaaring magkaroon ng premium adjustments.

πŸ’‘ Good News! May Options Ka.

Hindi ibig sabihin na kailangan mo agad i-cancel ang policy mo.

Pwede nating:
βœ” Review ang iyong cover
βœ” Tingnan kung kailangan pa lahat ng benefits
βœ” Decline CPI increases (if suitable)
βœ” Adjust excess options
βœ” Restructure the policy to fit your budget

🚨 Huwag agad mag-cancel ng insurance dahil lang sa premium increase.

Kapag nagkaroon ka ng health condition ngayon at kinansela mo ang policy, baka hindi mo na makuha ulit ang parehong cover sa future.

Remember:
Insurance is not just an expense β€” it's protection for your income, mortgage, family, at future goals.

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Kung mahigit isang taon na mula nang huli mong insurance review, baka magandang panahon na para i-check kung tama pa rin ang cover mo para sa current situation mo.

πŸ“ž Richard Alonzo & Joana de Peralta
Peak Financial Services

πŸ“§ [email protected]
πŸ“§ [email protected]

🌐 joana-richardalonzo-insuranceadvisers.co.nz

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Why Young People Need Insurance More Than They ThinkMaraming tao ang nag-iisip na insurance is only for older pe...
02/06/2026

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Why Young People Need Insurance More Than They Think

Maraming tao ang nag-iisip na insurance is only for older people.

Pero ang totoo, mas may advantage ka kapag bata ka pa kumuha ng insurance.

βœ… Mas mura ang premiums habang bata at healthy ka.

βœ… Mas mataas ang chance na ma-approve bago magkaroon ng anumang medical condition.

βœ… You lock in your insurability habang healthy ka pa, which can be a huge advantage in the future.

βœ… Protect your future income β€” dahil ang pinakamalaking asset mo ngayon ay ang ability mong kumita.

Pag-isipan mo:

Kung nasa edad 25, 30, o 35 ka, malamang may mga goals ka na tulad ng:

🏠 Pagbili ng sariling bahay
πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Pagbuo ng pamilya
πŸ’° Pagpapalago ng ipon at investments

Isang unexpected illness, injury, o medical condition can affect those plans.

🌱 The best time to get insurance is before you need it.

Your future self will thank you for making that decision early.

πŸ“© Message usif you'd like to understand your options and see what cover may be suitable for your situation.

This is general information only and does not constitute personalised financial advice.

29/05/2026

πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Why Young People Need Insurance More Than They Think

Maraming tao ang nag-iisip na insurance is only for older people.

Pero ang totoo, mas may advantage ka kapag bata ka pa kumuha ng insurance.

βœ… Mas mura ang premiums habang bata at healthy ka.

βœ… Mas mataas ang chance na ma-approve bago magkaroon ng anumang medical condition.

βœ… You lock in your insurability habang healthy ka pa, which can be a huge advantage in the future.

βœ… Protect your future income β€” dahil ang pinakamalaking asset mo ngayon ay ang ability mong kumita.

Pag-isipan mo:

Kung nasa edad 25, 30, o 35 ka, malamang may mga goals ka na tulad ng:

🏠 Pagbili ng sariling bahay
πŸ‘¨β€πŸ‘©β€πŸ‘§β€πŸ‘¦ Pagbuo ng pamilya
πŸ’° Pagpapalago ng ipon at investments

Isang unexpected illness, injury, o medical condition can affect those plans.

🌱 The best time to get insurance is before you need it.

Your future self will thank you for making that decision early.

πŸ“© Message me if you'd like to understand your options and see what cover may be suitable for your situation.

This is general information only and does not constitute personalised financial advice.

BREADWINNER PRESSURE IS REAL β€οΈβ€œIkaw ba ang inaasahan ng pamilya?”You work hard every day.You pay the bills.You send mon...
26/05/2026

BREADWINNER PRESSURE IS REAL ❀️

β€œIkaw ba ang inaasahan ng pamilya?”

You work hard every day.
You pay the bills.
You send money back home.
You make sure everyone is okay.

But here’s a questionβ€”

What happens if you suddenly lose your income?
Because when the breadwinner stops earning… it’s not just one person affected.

It can impact the whole family.

Every month may padala.
Every month may responsibilities.
Every month someone is counting on you.

But… are you protecting yourself too?

We spend so much time taking care of others that sometimes we forget to protect the person making it all possible.

Protection isn’t about expecting something bad to happen.
It’s about making sure your family still has options if life doesn’t go as planned.

❀️ Padala is love.
πŸ›‘οΈ Protection is responsibility.

If you’re the breadwinner, don’t just build incomeβ€”build protection too.

πŸ‘‰ Message us if ikaw ang breadwinner. Let’s talk about how to protect your income, your family, and your future.

22/05/2026

BREADWINNER PRESSURE IS REAL ❀️

β€œIkaw ba ang inaasahan ng pamilya?”

Bills. Padala. Family. Future.
You make sure everyone is okay.

But here’s the questionβ€”

If your income stops tomorrow, may backup plan ba?

Being a breadwinner isn’t just about earning.
It’s also about protecting what you’ve built.

❀️ Padala is love.
πŸ›‘οΈ Protection is responsibility.

πŸ‘‰ Message us if ikaw ang breadwinner that needs financial adviceβ€”let’s talk.






🚫 WHAT INSURANCE DOESN’T COVER πŸš«β€œIto yung hindi sinasabi agadβ€¦β€βŒ Pre-existing conditionsβ†’ Usually may exclusions or spec...
16/05/2026

🚫 WHAT INSURANCE DOESN’T COVER 🚫

β€œIto yung hindi sinasabi agad…”

❌ Pre-existing conditions
β†’ Usually may exclusions or special terms.

❌ Non-disclosure
β†’ Kapag may hindi na-declare sa application, pwedeng ma-decline ang claim.

❌ Certain conditions
β†’ Some benefits may waiting period bago magamit.

πŸ“– Kaya importante:
βœ”οΈ Basahin
βœ”οΈ Intindihin
βœ”οΈ Ipaliwanag nang maayos ang policy mo

Insurance is not just about getting covered β€” it’s about knowing HOW your cover works when you need it most.

πŸ’¬ We will explain your policy clearly and honestly.
Message us anytime for a free policy review.

🌐 joana-richardalonzo-insuranceadvisers.co.nz
πŸ“§ [email protected]
πŸ“§ [email protected]

15/05/2026

🚫 WHAT INSURANCE DOESN’T COVER 🚫

β€œIto yung hindi sinasabi agad…”

❌ Pre-existing conditions
β†’ Usually may exclusions or special terms.

❌ Non-disclosure
β†’ Kapag may hindi na-declare sa application, pwedeng ma-decline ang claim.

❌ Certain conditions
β†’ Some benefits may may waiting period bago magamit.

πŸ“– Kaya importante:
βœ”οΈ Basahin
βœ”οΈ Intindihin
βœ”οΈ Ipaliwanag nang maayos ang policy mo

Insurance is not just about getting covered β€” it’s about knowing HOW your cover works when you need it most.

πŸ’¬ I’ll explain your policy clearly and honestly.
Message me anytime for a free policy review.

🌐 joana-richardalonzo-insuranceadvisers.co.nz
πŸ“§ [email protected]
πŸ“§ [email protected]

Address

14 Joseph Kokich Avenue, Swanson
Auckland
0614

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