28/09/2025
We are part of a bigger whole, serving an important role in helping secure people's future-so think first before you click or share...
Para kay Sir Benjie Pascual (na obvious dummy account) and those who think the same way.
You are not the first one to say that, by the way, “Benjie Pascual”. Many people criticize life insurance because a portion of what they pay goes to commissions for agents. But here’s the thing, almost everything we buy costs far more than its actual production. Try watching the show Shark Tank and take note of the “how much does it cost to make and how much are you selling it for” question.
Take a cup of coffee from a café for example. The beans, water, and milk might only cost a few pesos—but you don’t just pay for the ingredients. You’re also paying for the barista’s time, the rent of the store, the electricity, the marketing, the brand, and the convenience of having it served to you.
The same goes for clothes, shoes, gadgets, or even streaming services. The physical cost of making them is only a fraction of the price. What you really pay for is the distribution, service, expertise, and the assurance that the product or service reaches you when you need it.
Life insurance is no different. Yes, part of your premium goes to agent commissions—but that commission represents:
• The time and effort of an agent to educate you on something complex and life-changing.
• The service and support throughout the years (claims assistance, policy updates, reviews).
• The cost of keeping the system running—from underwriting to fund management to claims processing.
Everything has a cost beyond its raw materials. Without it, products and services wouldn’t exist in the form we enjoy today.
So instead of seeing commissions as wasted money, we should see them as part of the value chain that allows insurance to protect families reliably.
Salamat, Sir “Benjie Pascual”, at may naisip na naman akong pang-post. God bless!
