Life can change in an instant. A routine commute, an ordinary day at home, or an unexpected health concern can suddenly bring expenses and challenges that no one planned for.
Being financially prepared can make a difference when these moments happen. The Bangko Sentral ng Pilipinas’ 2025 Consumer Finance and Inclusion Survey found that only 30% of Filipino adults said their current finances or savings would last, while 48% said it would be very difficult to come up with emergency funds.
These numbers highlight why preparedness isn’t just about taking physical precautions. Having financial protection in place can also be part of being ready for the unexpected.
For Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier, being prepared means looking beyond the situations we can predict.
“Being ready means looking beyond what we can anticipate and preparing for what we cannot. Financial protection is an important part of that preparedness, and our goal at Cebuana Lhuillier is to make insurance simpler, more affordable, and more accessible so Filipinos can put that protection in place before they need it.”
This is where ProtectMax, Cebuana Lhuillier’s affordable microinsurance product, comes in.
For just ₱50, Filipinos aged 7 to 70 can get four months of coverage, with no medical examination required. Each person can also have up to five active policies.
Available at 3,500 Cebuana Lhuillier branches nationwide, ProtectMax gives Filipinos another option for adding financial protection to their everyday preparedness.
But what are some of the unexpected “deliks” moments where this kind of protection may matter?
1. When a Regular Commute Takes an Unexpected Turn
A trip to work, school, or home can feel like just another part of the daily routine—until an accident happens.
Road accidents can occur even when people take the usual precautions. In the unfortunate event that a covered accident results in loss of life, ProtectMax provides financial support to loved ones during a difficult time.
2. When a Loved One Suddenly Passes Away
Unexpected loss isn’t always caused by an accident. An illness or another unforeseen circumstance can also result in the passing of a family member, bringing emotional and financial challenges at the same time.
When a policyholder passes away from a covered cause, ProtectMax provides support to the beneficiary, helping ease some of the financial responsibilities that may come with the loss.
3. When a Fire Leaves You with Unexpected Losses
A fire can happen without warning and leave families dealing with damaged or lost belongings while trying to figure out what comes next.
If a fire results in a qualifying loss covered by the policy, ProtectMax provides financial support to the insured policyholder. While financial assistance cannot replace everything that was lost, it can help provide a starting point as the policyholder begins the recovery process.
4. When an Unexpected Threat Becomes a Serious Incident
An ordinary trip home can suddenly become frightening when an unexpected confrontation escalates into an unprovoked assault.
Although these situations are difficult to anticipate, the financial consequences can add another burden to an already distressing experience.
Should an incident involving murder or unprovoked assault fall within the policy’s coverage, ProtectMax can provide support to the policyholder or their loved ones.
5. When an Accident or Illness Disrupts Your Plans
Health emergencies don’t always give you time to prepare.
Whether an accident happens at home or an unexpected illness requires urgent medical attention, additional expenses can quickly put pressure on a household budget.
For situations requiring urgent care that fall within the policy’s coverage, ProtectMax offers financial support that can help ease some of the burden brought by unexpected costs.
Making Financial Protection More Accessible
These situations show how quickly an ordinary day can take an unexpected turn. While no one can predict exactly when a “deliks moment” will happen, putting protection in place ahead of time can be one way to be more prepared.
For Atty. Isagani Acosta, General Manager of Cebuana Lhuillier Insurance Brokers (CLIB), accessibility is an important part of everyday preparedness.
“Our goal is to bring protection closer to Filipino families. With ProtectMax, we remove barriers of cost and access, making insurance a practical choice for everyday preparedness.”
Being prepared isn’t only about knowing what to do once something happens. It’s also about taking steps before you need them.
With ProtectMax, Filipinos have an affordable option to add another layer of financial protection to life’s unexpected moments.
Be More Handa with ProtectMax.
Coverage, benefits, eligibility, claims, terms, conditions, and exclusions are subject to the applicable policy.
