Made It Through Mum

Labor Day is more than just a well-deserved break—it is a time to honor the hard work that shapes our nation, and a perfect opportunity to look ahead. It marks a shift from the daily grind to focusing on long-term financial security and peace of mind. Whether you are an individual professional planning for a comfortable retirement or a business leader aiming to protect your greatest asset—your people—understanding how to build a solid retirement plan is essential. The Reality: Are We Ready for Retirement? Recent findings from the Retirement Index reveal a significant gap: most professionals feel unprepared for their post-work years. While everyone dreams of retiring comfortably, many lack a clear path to get there. Retirement should not mean financial uncertainty—it should be your golden era: a time to enjoy the rewards of decades of hard work without having to compromise your lifestyle. To make this a reality, proactive planning is key. Traditionally, a secure retirement rests on thre...

Narito ang 4 tips para matulungan kang maghanda. Marami tayong pagsubok na hinarap nung nagsimula ang COVID-19 pandemic. Aminin nating napangunahan tayo ng takot dahil sa bagong virus at kung paano natin mapoprotektahan ang ating pamilya. Ganun kahalaga ang pamilya para sa ating mga Pinoy. Araw-araw pumapasok na sa isip natin: “Paano kung magkasakit ang anak ko o ang mga mahal ko sa buhay?” Sa sobrang pag-aalala natin sa kanila, minsan napapabayaan na rin natin ang sarili natin. Kaya naman araw-araw nating pinagdarasal na sana’y walang magkasakit sa ating pamilya dahil mas mahal ang magkasakit ngayon, lalo na kung wala tayong naitatagong pera para dito.  Nung nagkaroon naman ng surge o pagsipa muli ang mga COVID-19 cases at bumalik ang mahigpit na lockdown sa Metro Manila, bumalik nanaman ang takot. At dahil sa sunod-sunod na krisis, minsan ‘di na natin malaman kung paano tayo makakaahon mula dito.  Pero hindi ‘to dahilan para mawalan tayo ng pag-asa. Bilang isang magulang...

Author Lohel A. Martinez with his youngest daughter Hazel M. Garcia who is also working in the insurance industry The 5th Edition of the Philippine Insurance Code Annotated by underwriting consultant Lohel A. Martirez is now available!  The work is based on the Philippine Insurance Code (Presidential Decree No. 612) which was extensively amended by Republic Act no. 10607--- and includes universally accepted insurance principles in Life & Non-Life, leading decided cases, and good customs of the industry. Carefully selected reference materials from various sources both here and abroad were studied and explained, in a manner and style understood on first reading. Martirez has served the insurance industry for more than five decades in various capacities both in the home offices and the field, as Executive Vice President/ Chief Operating Officer and other  previous managerial positions. He was also Annotator of the Supreme Court Reports Annotated (SCRA); Co...