Kem Epres, CIA- Licensed Insurance Advisor

Kem Epres, CIA- Licensed Insurance Advisor I help Doctors, OFWs, and Business Owners build financial security and peace of mind through reliable and personalized insurance solutions. ♥️

𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙬𝙖𝙨 𝙉𝙊𝙏 𝙞𝙣𝙫𝙚𝙣𝙩𝙚𝙙 𝙗𝙮 𝙖 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙘𝙤𝙢𝙥𝙖𝙣𝙮. It was invented by a doctor.Dr. Marius Barnard ...
26/05/2026

𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙬𝙖𝙨 𝙉𝙊𝙏 𝙞𝙣𝙫𝙚𝙣𝙩𝙚𝙙 𝙗𝙮 𝙖 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙘𝙤𝙢𝙥𝙖𝙣𝙮.

It was invented by a doctor.

Dr. Marius Barnard realized that even if he can heal his patients physically, the 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝘀𝘁𝗿𝗲𝘀𝘀 that accompanied cancer, heart attack, and stroke 𝘄𝗮𝘀 𝗸𝗶𝗹𝗹𝗶𝗻𝗴 𝗵𝗶𝘀 𝗽𝗮𝘁𝗶𝗲𝗻𝘁𝘀.

Review your existing insurance plan and add critical illness coverage. Because everyone deserves a chance to survive especially in their most critical time.

Your health recovery should be your priority, not the hospital bills.

📩 Message me if you'd like a free insurance review or want to know how Critical Illness coverage works.

Imagine receiving ₱100,000 passive income for life habang insured ka. You’ll just pay 5 or 10yrs then you’ll receive the...
22/05/2026

Imagine receiving ₱100,000 passive income for life habang insured ka.

You’ll just pay 5 or 10yrs then you’ll receive the passive income at the end of 6th yr until your lifetime.

Amazing talaga itong plan na ito 😍🙌🏻

Message me to know more 🤗

Start now while you are young and healthy 💯3 FACTS ABOUT INSURANCE👇
20/05/2026

Start now while you are young and healthy 💯

3 FACTS ABOUT INSURANCE👇


I always ask my clients with kid/s:“𝗜𝗹𝗮𝗻𝗴 𝘁𝗮𝗼𝗻 𝗸𝗮 𝗻𝗮 𝗸𝗮𝗽𝗮𝗴 𝘁𝗶𝗺𝗲 𝗻𝗮 𝗺𝗮𝗴-𝗰𝗼𝗹𝗹𝗲𝗴𝗲 𝗮𝗻𝗴 𝗮𝗻𝗮𝗸 𝗺𝗼?”"𝗛𝗮𝗻𝗴𝗴𝗮𝗻𝗴 𝗸𝗲𝗹𝗮𝗻 𝗸𝗮 𝗺𝗮𝗴 𝘄𝗼𝘄𝗼𝗿...
16/05/2026

I always ask my clients with kid/s:

“𝗜𝗹𝗮𝗻𝗴 𝘁𝗮𝗼𝗻 𝗸𝗮 𝗻𝗮 𝗸𝗮𝗽𝗮𝗴 𝘁𝗶𝗺𝗲 𝗻𝗮 𝗺𝗮𝗴-𝗰𝗼𝗹𝗹𝗲𝗴𝗲 𝗮𝗻𝗴 𝗮𝗻𝗮𝗸 𝗺𝗼?”

"𝗛𝗮𝗻𝗴𝗴𝗮𝗻𝗴 𝗸𝗲𝗹𝗮𝗻 𝗸𝗮 𝗺𝗮𝗴 𝘄𝗼𝘄𝗼𝗿𝗸?"

Because quality education doesn’t happen by accident.
It needs to be planned.

𝘼𝙣𝙙 𝙞𝙛 𝙩𝙝𝙚 𝙜𝙤𝙖𝙡 𝙞𝙨 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙
𝙩𝙝𝙚 𝙥𝙡𝙖𝙣 𝙨𝙝𝙤𝙪𝙡𝙙 𝙖𝙡𝙨𝙤 𝙗𝙚 𝙜𝙪𝙖𝙧𝙖𝙣𝙩𝙚𝙚𝙙.

With the rising cost of tuition every year, starting early makes a big difference.

Start building your child’s Education Fund today so when the time comes, you won’t worry where the money will come from- you’ll already be prepared.

📩 Message me to start your child’s Education Plan today.

06/05/2026

Imagine telling your 1yo
kid na "Anak, pinaghandaan na namin ni papa mo yung future mo, pagdating mo ng 7yo may marereceive kang ₱100k every year, HABANG BUHAY.

Most parents think education planning is expensive…But what if starting early changes everything? 👀This might surprise y...
29/04/2026

Most parents think education planning is expensive…

But what if starting early changes everything? 👀

This might surprise you.

Message me for more details 📩

27/04/2026

A doctor left
13M+ Pesos para sa family from 3 Pru Life Insurance Plans.

See details in the comment section.

Why Choose PRUMillion Protect?✨1. 2-Year Pay PlanPay for only 2 years, but enjoy long-term insurance coverage and fund g...
23/04/2026

Why Choose PRUMillion Protect?

✨1. 2-Year Pay Plan
Pay for only 2 years, but enjoy long-term insurance coverage and fund growth potential.

👨‍👩‍👧 2. Legacy for Your Loved Ones
Provides a strong life insurance coverage to protect your family’s future.

💰 3. Source of Funds for Emergency
Builds a fund value that can serve as your financial backup when needed.

♿ 4. Ready Fund in Case of Disability
Helps provide financial support if you experience disability.

🛡️ 5. Additional Protection for Accidents
Includes extra benefits for accidental death or disablement.

🎁 6. Extra Rewards for Staying On
Get additional rewards/bonuses for maintaining your policy long-term.

📈 7. Long-Term Gains Potential
A short-pay plan designed to help you grow wealth over time through projected fund values.

PRUMillion Protect = Short-pay plan + Long-term protection + Wealth-building opportunity.

Message me for more details!

Imagine your child receiving ₱100,000 every year guaranteed pay out starting sa 6th year ng plan mo until age 100. Liter...
22/04/2026

Imagine your child receiving ₱100,000 every year guaranteed pay out starting sa 6th year ng plan mo until age 100. Literally lifetime income!🙌🏻

Bukod pa yung accumulating guaranteed cash values plus dividends.👍🏻

With Pru Lifetime Income, you’ll enjoy:
✅ 5% Lifetime Annual Payouts
✅ Up to 4% Annual Dividends
✅ Pay for only 5 or 10 years
✅ 200% Life Coverage for your loved ones

Message me for free quotation 📨

Address

Unit 123-124, Avida Cityflex Towers
Bgc
1634

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