Zhannya S. Singwatt, CPA l Branch Manager - FWD Life Philippines

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Zhannya S. Singwatt, CPA l Branch Manager - FWD Life Philippines

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🛡️ Helping Filipino families get the right life insurance coverage.
💼 Looking to build a career?

Join my growing team of Financial Planners.
📩 DM me — let's talk about protecting your future or starting yours.

24/09/2026

Last night, I attended a retirement planning seminar, and one statement stayed with me long after the session ended:

"𝙎𝙤, 𝙬𝙝𝙤 𝙬𝙞𝙡𝙡 𝙥𝙖𝙮 𝙛𝙤𝙧 𝙮𝙤𝙪𝙧 𝙧𝙚𝙩𝙞𝙧𝙚𝙢𝙚𝙣𝙩?

𝙏𝙝𝙚 𝙨𝙩𝙧𝙤𝙣𝙜𝙚𝙨𝙩 𝙖𝙣𝙨𝙬𝙚𝙧 𝙞𝙨 𝙣𝙤𝙩 𝙨𝙞𝙢𝙥𝙡𝙮 '𝙢𝙮 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣.'"

It hit me hard. 💭

Here in the Philippines, so many of us grew up seeing our parents rely on their kids in their later years. We call it 𝙪𝙩𝙖𝙣𝙜 𝙣𝙖 𝙡𝙤𝙤𝙗, and we do it out of love. But I've also seen how heavy that love can become when a young professional has to choose between building their own family and supporting their parents' daily needs, medicines, and bills.

The seminar reminded me of something I truly believe as a financial planner:

✨ 𝙊𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙜𝙧𝙚𝙖𝙩𝙚𝙨𝙩 𝙜𝙞𝙛𝙩𝙨 𝙬𝙚 𝙘𝙖𝙣 𝙜𝙞𝙫𝙚 𝙩𝙝𝙚 𝙣𝙚𝙭𝙩 𝙜𝙚𝙣𝙚𝙧𝙖𝙩𝙞𝙤𝙣 𝙞𝙨 𝙩𝙝𝙚 𝙛𝙧𝙚𝙚𝙙𝙤𝙢 𝙩𝙤 𝙗𝙪𝙞𝙡𝙙 𝙩𝙝𝙚𝙞𝙧 𝙤𝙬𝙣 𝙡𝙞𝙫𝙚𝙨, 𝙬𝙞𝙩𝙝𝙤𝙪𝙩 𝙝𝙖𝙫𝙞𝙣𝙜 𝙩𝙤 𝙘𝙖𝙧𝙧𝙮 𝙩𝙝𝙚 𝙛𝙞𝙣𝙖𝙣𝙘𝙞𝙖𝙡 𝙧𝙚𝙨𝙥𝙤𝙣𝙨𝙞𝙗𝙞𝙡𝙞𝙩𝙞𝙚𝙨 𝙤𝙛 𝙤𝙪𝙧𝙨.

Our children should visit us because they want to, not because they have to send money.
They should be able to dream, travel, invest, and raise their own families without guilt.

Retirement planning is not selfish. It's one of the most loving things you can do for the people you'll one day leave behind. 🧡

So let me ask you gently:
👉 If you stopped working today, who would pay for your needs?

If the answer makes you pause, let's talk. It's never too early, and it's not too late to start.

📩 Send me a message and let's plan a retirement that gives both you and your children freedom.

07/09/2026

“𝙃𝙞, 𝙈𝙨. 𝙕𝙝𝙖𝙣𝙣𝙮𝙖! 𝘾𝙖𝙣 𝙄 𝙘𝙝𝙚𝙘𝙠 𝙮𝙤𝙪𝙧 𝙥𝙡𝙖𝙣𝙨 𝙬𝙞𝙩𝙝 ₱5𝙈 𝙇𝙞𝙛𝙚 𝙄𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙖𝙣𝙙 ₱1𝙈–₱2𝙈 𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨? 𝙉𝙤 𝙑𝙐𝙇.”

Napaisip talaga ako.

“𝑾𝒐𝒘, 𝒕𝒉𝒊𝒔 𝒄𝒍𝒊𝒆𝒏𝒕 𝒌𝒏𝒐𝒘𝒔 𝒆𝒙𝒂𝒄𝒕𝒍𝒚 𝒘𝒉𝒂𝒕 𝒉𝒆 𝒘𝒂𝒏𝒕𝒔.”

Very specific. Very intentional.

And I got even more excited to meet him because we share the same mindset:

𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐬𝐡𝐨𝐮𝐥𝐝 𝐚𝐥𝐰𝐚𝐲𝐬 𝐜𝐨𝐦𝐞 𝐟𝐢𝐫𝐬𝐭.

So I prepared a 4-combo plan that would fit exactly what he was looking for.

Pero habang nag-uusap kami, doon ko nalaman ang mas importanteng reason behind his request.

He is a 𝐧𝐞𝐰 𝐟𝐚𝐭𝐡𝐞𝐫.

13 months pa lang ang baby niya.

And he is the 𝐛𝐫𝐞𝐚𝐝𝐰𝐢𝐧𝐧𝐞𝐫 𝐨𝐟 𝐭𝐡𝐞 𝐟𝐚𝐦𝐢𝐥𝐲.

Biglang nagkaroon ng ibang meaning ang ₱5M Life Insurance at ₱1M–₱2M Critical Illness coverage.

Hindi lang pala siya nagpa-plano para sa sarili niya.

𝐍𝐚𝐠𝐩𝐚-𝐩𝐥𝐚𝐧𝐨 𝐬𝐢𝐲𝐚 𝐩𝐚𝐫𝐚 𝐬𝐚 𝐩𝐚𝐦𝐢𝐥𝐲𝐚 𝐧𝐢𝐲𝐚.

Kasi kapag ikaw ang breadwinner, alam mong hindi puwedeng basta mawala ang income mo.

May bahay na kailangang bayaran.
May bills.
May pagkain.
May education ng anak.
May mga pangarap na gusto mong matupad para sa pamilya.

And what if one day, something unexpected happens?

What if you pass away too soon?

Or worse, what if you survive but a critical illness prevents you from working for months or even years?

𝗦𝗶𝗻𝗼 𝗮𝗻𝗴 𝘀𝗮𝘀𝗮𝗹𝗼?

That's why he wanted Life Insurance.

Not because he was expecting the worst.

𝐁𝐮𝐭 𝐛𝐞𝐜𝐚𝐮𝐬𝐞 𝐡𝐞 𝐰𝐚𝐧𝐭𝐞𝐝 𝐭𝐨 𝐦𝐚𝐤𝐞 𝐬𝐮𝐫𝐞 𝐡𝐢𝐬 𝐟𝐚𝐦𝐢𝐥𝐲 𝐰𝐨𝐮𝐥𝐝 𝐬𝐭𝐢𝐥𝐥 𝐡𝐚𝐯𝐞 𝐚 𝐟𝐮𝐭𝐮𝐫𝐞, 𝐞𝐯𝐞𝐧 𝐢𝐟 𝐭𝐡𝐞 𝐰𝐨𝐫𝐬𝐭 𝐡𝐚𝐩𝐩𝐞𝐧𝐬.

And that's something I deeply respect.

Because being a father isn't just about providing for your child today.

𝗜𝘁'𝘀 𝗮𝗹𝘀𝗼 𝗮𝗯𝗼𝘂𝘁 𝗺𝗮𝗸𝗶𝗻𝗴 𝘀𝘂𝗿𝗲 𝘆𝗼𝘂𝗿 𝗰𝗵𝗶𝗹𝗱 𝗶𝘀 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗲𝗱 𝘁𝗼𝗺𝗼𝗿𝗿𝗼𝘄.

Hindi natin kontrolado kung ano ang mangyayari.

Pero may choice tayo kung 𝗵𝗮𝗻𝗱𝗮 𝗯𝗮 𝘁𝗮𝘆𝗼 𝗸𝗮𝗽𝗮𝗴 𝗱𝘂𝗺𝗮𝘁𝗶𝗻𝗴 𝗮𝗻𝗴 𝗵𝗶𝗻𝗱𝗶 𝗻𝗮𝘁𝗶𝗻 𝗶𝗻𝗮𝗮𝘀𝗮𝗵𝗮𝗻.

For every Filipino breadwinner reading this:

𝗛𝗶𝗻𝗱𝗶 𝘀𝗲𝗹𝗳𝗶𝘀𝗵 𝗮𝗻𝗴 𝗽𝗮𝗴𝗽𝗿𝗼𝘁𝗲𝗸𝘁𝗮 𝘀𝗮 𝘀𝗮𝗿𝗶𝗹𝗶 𝗺𝗼.

Because when you protect your income,
𝘆𝗼𝘂 𝗮𝗿𝗲 𝗮𝗹𝘀𝗼 𝗽𝗿𝗼𝘁𝗲𝗰𝘁𝗶𝗻𝗴 𝘁𝗵𝗲 𝗽𝗲𝗼𝗽𝗹𝗲 𝘄𝗵𝗼 𝗱𝗲𝗽𝗲𝗻𝗱 𝗼𝗻 𝘆𝗼𝘂.

And sometimes, the best gift you can give your family isn't something you can put under the Christmas tree.

𝗜𝘁'𝘀 𝘁𝗵𝗲 𝗮𝘀𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘁𝗵𝗮𝘁 𝘁𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗼𝗸𝗮𝘆, 𝗲𝘃𝗲𝗻 𝘄𝗵𝗲𝗻 𝘆𝗼𝘂'𝗿𝗲 𝗻𝗼 𝗹𝗼𝗻𝗴𝗲𝗿 𝘁𝗵𝗲𝗿𝗲 𝘁𝗼 𝗽𝗿𝗼𝘃𝗶𝗱𝗲. 😇

𝐏𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧 𝐟𝐢𝐫𝐬𝐭. 𝐅𝐚𝐦𝐢𝐥𝐲 𝐚𝐥𝐰𝐚𝐲𝐬.

03/09/2026

“𝙄 𝙬𝙖𝙣𝙩 𝙩𝙤 𝙡𝙚𝙖𝙫𝙚 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙛𝙤𝙧 𝙢𝙮 𝙘𝙝𝙞𝙡𝙙𝙧𝙚𝙣 𝙤𝙣𝙘𝙚 𝙄’𝙢 𝙜𝙤𝙣𝙚.”

Sometimes, the most powerful reason to get life insurance isn’t for us. It’s for the people we love and the life we want them to continue living, even when we’re no longer there.

At 55, this businesswoman chose to secure ₱10,000,000 in life insurance.

Not because she’s expecting something to happen.

But because she wants to make sure that whatever happens, her children will always have something from her.

A business can be passed on.
Properties can be inherited.
But the greatest legacy is knowing you prepared for the people you love. 🧡

Thank you for trusting us with your legacy.

₱10,000,000 today. A lasting promise for tomorrow.

30/08/2026

𝙋𝙖𝙖𝙣𝙤 𝙞𝙨𝙪𝙧𝙧𝙚𝙣𝙙𝙚𝙧 𝙮𝙪𝙣𝙜 𝙥𝙤𝙡𝙞𝙘𝙮 𝙠𝙤?

Earlier this week, I received a message from my orphan client, "𝙋𝙖𝙖𝙣𝙤 𝙞𝙨𝙪𝙧𝙧𝙚𝙣𝙙𝙚𝙧 𝙮𝙪𝙣𝙜 𝙥𝙤𝙡𝙞𝙘𝙮 𝙠𝙤?".

Hindi kami magkakilala personally. The account was automatically transferred to me dahil nag-resign yung agent nya.

But for me, once maging client kita, I will make sure na ma-continue mo ang plan because I know that someday, you and your family will benefit from this contact.

Minsan kasi, kapag matagal na nating binabayaran ang policy, ang nakikita lang natin is, “𝙈𝙖𝙜𝙠𝙖𝙣𝙤 𝙣𝙖 𝙗𝙖 𝙖𝙣𝙜 𝙣𝙖𝙞𝙡𝙖𝙗𝙖𝙨 𝙠𝙤?”

But we sometimes forget to ask:

“𝘼𝙣𝙤 𝙣𝙖𝙢𝙖𝙣 𝙖𝙣𝙜 𝙥𝙧𝙤𝙩𝙚𝙘𝙩𝙞𝙤𝙣 𝙣𝙖 𝙢𝙚𝙧𝙤𝙣 𝙖𝙠𝙤 𝙝𝙖𝙗𝙖𝙣𝙜 𝙗𝙞𝙣𝙖𝙗𝙖𝙮𝙖𝙧𝙖𝙣 𝙠𝙤 𝙞𝙩𝙤?”

And that's where I believe our role as Financial Wealth Planners comes in.

Hindi naman goal na pilitin ang client na ituloy ang isang plan na hindi na niya kailangan.

𝘖𝘶𝘳 𝘫𝘰𝘣 𝘪𝘴 𝘵𝘰 𝘩𝘦𝘭𝘱 𝘵𝘩𝘦𝘮 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘵𝘩𝘦𝘺 𝘩𝘢𝘷𝘦, 𝘸𝘩𝘢𝘵 𝘵𝘩𝘦𝘺 𝘮𝘪𝘨𝘩𝘵 𝘨𝘪𝘷𝘦 𝘶𝘱, 𝘢𝘯𝘥 𝘸𝘩𝘢𝘵 𝘰𝘵𝘩𝘦𝘳 𝘰𝘱𝘵𝘪𝘰𝘯𝘴 𝘵𝘩𝘦𝘺 𝘮𝘢𝘺 𝘩𝘢𝘷𝘦.

28/08/2026

𝙌𝙪𝙞𝙘𝙠 𝙦𝙪𝙚𝙨𝙩𝙞𝙤𝙣: 𝙄𝙛 𝙮𝙤𝙪 𝙬𝙚𝙧𝙚 𝙙𝙞𝙖𝙜𝙣𝙤𝙨𝙚𝙙 𝙬𝙞𝙩𝙝 𝙖 𝙘𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙞𝙡𝙡𝙣𝙚𝙨𝙨 𝙩𝙤𝙢𝙤𝙧𝙧𝙤𝙬, 𝙝𝙤𝙬 𝙢𝙪𝙘𝙝 𝙬𝙤𝙪𝙡𝙙 𝙮𝙤𝙪 𝙣𝙚𝙚𝙙?

₱100,000?
₱500,000?
₱1,000,000?

And more importantly...𝙙𝙤 𝙮𝙤𝙪 𝙖𝙡𝙧𝙚𝙖𝙙𝙮 𝙝𝙖𝙫𝙚 𝙩𝙝𝙖𝙩 𝙖𝙢𝙤𝙪𝙣𝙩 𝙨𝙚𝙩 𝙖𝙨𝙞𝙙𝙚?

A critical illness doesn't only affect your health. It can also affect your income, savings and the plans you've worked so hard.

With 𝙁𝙒𝘿 𝙎𝙚𝙩 𝙛𝙤𝙧 𝙃𝙚𝙖𝙡𝙩𝙝, you can get up to ₱1,000,000 𝘾𝙧𝙞𝙩𝙞𝙘𝙖𝙡 𝙄𝙡𝙡𝙣𝙚𝙨𝙨 𝘽𝙚𝙣𝙚𝙛𝙞𝙩, depending on the plan.

𝙇𝙚𝙩'𝙨 𝙛𝙞𝙣𝙙 𝙤𝙪𝙩 𝙮𝙤𝙪𝙧 𝙣𝙪𝙢𝙗𝙚𝙧.

𝙈𝙚𝙨𝙨𝙖𝙜𝙚 𝙢𝙚 "𝙃𝙀𝘼𝙇𝙏𝙃" and I'll help you explore more options.

19/08/2026

𝘼 𝙨𝙩𝙧𝙖𝙣𝙜𝙚𝙧 𝙩𝙪𝙧𝙣𝙚𝙙 𝙞𝙣𝙩𝙤 𝙖 𝙘𝙡𝙞𝙚𝙣𝙩. 🧡

May nag-message lang sa page ko, asking about critical illness insurance.

That same day, nag-Zoom kami and had a quick exploratory meeting. Instead of sending her a proposal right away, we talked about how the plan actually works, including the 3x Critical Illness benefit, death benefit, and return of premium if wala kang major critical illness claim.

After 3 days, nag-message siya ulit and said she decided to pursue the plan. 🥹🧡

And this is why I really believe in having an exploratory meeting first.

Hindi lahat ng client kailangan agad bentahan. Sometimes, they just need someone to explain things clearly and help them understand if the plan really makes sense for them.

No pressure. No hard selling.

Just a good conversation. 🧡

18/08/2026

“𝙋𝙖𝙖𝙣𝙤 𝙨𝙞𝙡𝙖 𝙥𝙖𝙜 𝙬𝙖𝙡𝙖 𝙣𝙖 𝙖𝙠𝙤?”

Para sa OFW, business owner, breadwinner, at parent na may mga taong umaasa sa’yo.

Hindi natin alam kung kailan tayo mawawala.
Pero habang kaya pa nating maghanda, 𝙥𝙬𝙚𝙙𝙚 𝙣𝙖𝙩𝙞𝙣𝙜 𝙨𝙞𝙜𝙪𝙧𝙖𝙙𝙪𝙝𝙞𝙣 𝙣𝙖 𝙢𝙖𝙮 𝙢𝙖𝙞𝙞𝙬𝙖𝙣 𝙥𝙖𝙧𝙖 𝙨𝙖 𝙠𝙖𝙣𝙞𝙡𝙖. ❤️

🛡️ Protect their future. Prepare your legacy.

📩 Message me for a FREE personalized proposal.

Zhannya Singwatt, CPA
Financial Wealth Branch Manager | One Zenith
📞 0917-174-4944

07/08/2026

𝙋𝙧𝙤𝙤𝙛 𝙨𝙥𝙚𝙖𝙠𝙨 𝙡𝙤𝙪𝙙𝙚𝙧 𝙩𝙝𝙖𝙣 𝙥𝙧𝙤𝙢𝙞𝙨𝙚𝙨. 📈

One of our 𝙁𝙒𝘿 𝙁𝙖𝙨𝙩 𝙇𝙖𝙣𝙚 𝙘𝙡𝙞𝙚𝙣𝙩𝙨 is now enjoying:

💰 Current Fund Value: ₱938,085.33
🛡️ Life Insurance Coverage: ₱5,000,000
💵 Eligible for quarterly payouts based on the policy’s terms and fund performance.

This is why many affluent Filipinos are choosing solutions that combine wealth accumulation, income potential, and life protection in one plan.

Unlike a traditional bank deposit, your money has the potential to grow while ensuring your loved ones are financially protected.

Every client’s results will be different depending on their investment amount, entry timing, fund performance, and policy terms. But this is an actual example of how FWD Fast Lane works.

Curious if this strategy fits your financial goals?

📩 Send me a message for a personalized illustration based on your age and investment budget.

31/07/2026

𝒀𝒐𝒖 𝒏𝒆𝒗𝒆𝒓 𝒆𝒙𝒑𝒆𝒄𝒕 𝒂 𝒄𝒓𝒊𝒕𝒊𝒄𝒂𝒍 𝒊𝒍𝒍𝒏𝒆𝒔𝒔 𝒖𝒏𝒕𝒊𝒍 𝒊𝒕 𝒉𝒂𝒑𝒑𝒆𝒏𝒔.

The good news? You can prepare for it today.

With 𝐅𝐖𝐃 𝐒𝐞𝐭 𝐟𝐨𝐫 𝐇𝐞𝐚𝐥𝐭𝐡, you can get up to ₱1,000,000 𝐂𝐫𝐢𝐭𝐢𝐜𝐚𝐥 𝐈𝐥𝐥𝐧𝐞𝐬𝐬 𝐁𝐞𝐧𝐞𝐟𝐢𝐭 to help protect your savings when life takes an unexpected turn.

If you’ve been thinking about getting health protection but aren’t sure where to start, let’s talk. 😊

👉 𝐂𝐥𝐢𝐜𝐤 𝐭𝐡𝐞 𝐥𝐢𝐧𝐤 https://zhannyasingwatt.com/whats-your-number-106279 𝐭𝐨 𝐛𝐨𝐨𝐤 𝐲𝐨𝐮𝐫 𝐅𝐑𝐄𝐄 𝐞𝐱𝐩𝐥𝐨𝐫𝐚𝐭𝐨𝐫𝐲 𝐦𝐞𝐞𝐭𝐢𝐧𝐠.

We’ll discuss your needs, answer your questions, and see if this plan is the right fit for you. No pressure, no obligation.

29/07/2026

Sa panahon ngayon, hindi natin alam kung ano ang pwedeng mangyari.

If you’re an OFW bound for the Middle East and nasa Pilipinas ka pa, this might be the best time to secure your life and health insurance before your next flight.

Message me if you want to explore your options. ✈️🧡

Address

11th Floor One Nexus, One Ayala, South Tower
Makati
1226

Website

https://zhannyasingwatt.com/whats-your-number-106279#survey

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