Krizia Michelle Ferrer

Krizia Michelle Ferrer Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Krizia Michelle Ferrer, Insurance Agent, Bayambang.

🗓️ Coded August 2023
🏆 Rookie of the Year 2023 (Unit Level)
💼 Proudly serving 100+ clients and growing

Helping individuals and families secure their future—one plan at a time.

You live in my head rent free 😅
12/08/2026

You live in my head rent free 😅

“I-surrender ko na lang kaya yung insurance ko?”Gets. Lalo na kapag dumadami ang bills, tumataas ang expenses, at feelin...
10/08/2026

“I-surrender ko na lang kaya yung insurance ko?”

Gets. Lalo na kapag dumadami ang bills, tumataas ang expenses, at feeling mo kailangan mong bawasan ang monthly gastos. 🥺

Pero bago mo i-surrender, pause muna.

Baka hindi mo napapansin, yung insurance na meron ka ngayon was taken when you were younger and healthier. Kaya possible na mas mababa ang premium mo compared to getting the same protection today.

And there’s another thing we often forget:

Hindi natin alam kung nagbago na ang health natin.

What if today, may condition ka na hindi mo naman alam? What if you apply again and hindi na pareho ang approval, premium, or coverage?

Kaya kung kaya pa naman, huwag agad bitawan ang protection na meron ka.

And if the reason is hindi na talaga kaya ng budget, that's different. Hindi naman natin dapat pilitin ang sarili natin. Pero bago tuluyang mag-surrender, kausapin muna ang financial advisor mo. Baka may ibang option na puwedeng gawin.

Kahit hindi sa akin galing ang policy mo, I’d still say this:

💛 Huwag mong basta-basta bitawan ang insurance na pinaghirapan mong makuha.

Because at the end of the day,

HAVING INSURANCE COVERAGE IS BETTER THAN HAVING NONE AT ALL.

A mom will always do more—no matter what. 💛Today, this mother and daughter both got approved for their plans. While her ...
25/04/2026

A mom will always do more—no matter what. 💛

Today, this mother and daughter both got approved for their plans. While her daughter is now protected, mom chose to add extra coverage for herself too—just to make sure she can always take care of her child, even in the unexpected.

Simple decisions, but they mean everything.
Protection for today, security for tomorrow.

This is what love looks like in real life. 🌞

Message me if you’re ready to protect your family too—let’s make a plan that fits your life.

Did you know? 🤔✨Many people think all “protection” works the same—but it doesn’t.✔ Life insurance payouts are tax-free.T...
17/11/2025

Did you know? 🤔✨

Many people think all “protection” works the same—but it doesn’t.

✔ Life insurance payouts are tax-free.
This means your beneficiaries receive the full amount—no deductions—exactly when they need it most.

✖ Health cards are NOT insurance.
HMOs help with routine or short-term medical expenses, but they won’t replace your income, protect your family financially, or provide long-term coverage.

Understanding the difference helps you prepare better and avoid surprises later on.
If you want to know which coverage fits your goals, I can help. 💛

💰 Sahod Na Naman! Pero… What Happens After Paying the Bills? 🤔Yes, bayad na ang kuryente, tubig, internet, at renta — pe...
12/11/2025

💰 Sahod Na Naman! Pero… What Happens After Paying the Bills? 🤔

Yes, bayad na ang kuryente, tubig, internet, at renta — pero what’s next?
Do you let the rest of your income slip away on impulse spending? Or do you make your money work for you? 💡

This sahod season, try doing something different:
✨ Save a portion for your emergency fund.
✨ Invest in instruments that can grow your money long-term.
✨ Diversify — don’t put everything in one place.
✨ Protect your income with insurance — because your ability to earn is your greatest asset.

Remember: Ang goal ay hindi lang kumita, kundi paano mapanatili at mapalago ang kinikita mo. 🌱
Small, consistent steps today can lead to lasting financial freedom tomorrow.

✅ Life Insurance✅ Health & Wellness✅ Disability & Group PlansWhatever your needs, I’ve got you covered.Message me today ...
03/11/2025

✅ Life Insurance
✅ Health & Wellness
✅ Disability & Group Plans
Whatever your needs, I’ve got you covered.
Message me today to find the best plan that fits you! 🌞

You can’t predict the future… but you can prepare for it.When you protect your family today, you’re giving them comfort,...
23/10/2025

You can’t predict the future… but you can prepare for it.
When you protect your family today, you’re giving them comfort, stability, and peace — no matter what tomorrow brings. 🌤️

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