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Palawan Group of Companies Introduces ProtekTODO

Addressing the urgent need for accessible health services, Palawan Group introduces ProtekTODO Critical Illness, a straightforward and affordable insurance product offering a 100% cash payout upon diagnosis, regardless of the illness’s stage.

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The Palawan Group of Companies is taking a significant step to empower Filipinos with accessible health protection with the launch of Palawan ProtekTODO Critical Illness, a timely and transformative insurance product offering essential coverage against the Philippines’ three leading causes of death: heart attack, stroke, and cancer.

Addressing the urgent need for accessible health services, Palawan Group introduces ProtekTODO Critical Illness, a straightforward and affordable insurance product offering a 100% cash payout upon diagnosis, regardless of the illness’s stage.

Policyholders can choose from two plan options: the Basic Plan with ₱50,000 coverage for as low as ₱550 per year, or the Plus Plan offering ₱100,000 coverage starting at ₱1,100 annually. Open to Filipinos aged 18 to 60, the policy provides one full year of protection, giving families crucial financial support and peace of mind when they need it most. The product provides policyholders with financial assistance for certain medical expenses and treatments, helping ease the burden of financial stress.

Karlo M. Castro, President and CEO of the Palawan Group of Companies, proudly introduced the new offering, saying, “This milestone product embodies everything we stand for—trust, innovation, and protection for every Filipino. As we mark 40 years of dedicated service, we reflect on the millions of lives we’ve touched through accessible financial solutions. More importantly, we look forward with a renewed commitment to our mission: to help build a healthier, more resilient future for the communities we serve.”

For as low as ₱550 per year, Filipinos can access essential financial protection against some of the country’s most common and financially draining critical illnesses. This affordable yet meaningful coverage is thoughtfully designed for hardworking individuals, families, and breadwinners– those who face the daily challenge of protecting their health without putting their financial stability at risk.

This new offering, with Oona Insurance Corporation as the underwriting partner, comes at a critical time. According to the 2024 Causes of Death report by the Philippine Statistics Authority, ischemic heart disease, a type of cardiovascular disease, remains the leading cause of death in the country, accounting for over 19.4% of total fatalities. Neoplasms, the second leading cause, are abnormal tissue growths that may be benign (non-cancerous) or malignant (cancerous), with the latter commonly known as cancer. Cerebrovascular diseases, including stroke, affect blood flow in the brain and can cause serious complications, ranking third among the top causes of death. With rising medical costs and long recovery periods, the need for accessible health protection has never been greater.

In celebration of its 40th anniversary, Palawan Group continues to empower Filipino communities by offering “mura, mabilis, at walang kuskos balungos” (affordable, fast, and hassle-free) service. The launch of this new product marks a significant milestone in Palawan Group’s evolution–from a provider of traditional financial services to a champion of accessible protection. As the company grows, it remains a trusted partner for millions of Filipinos, helping them not only safeguard their finances but also prepare for life’s uncertainties.

Be financially ready with reliable protection that won’t break the bank. Get ProtekTODO Critical Illness today at any Palawan Pawnshop—Palawan Express Pera Padala branch, via the PalawanPay App, or through the official Palawan ProtekTODO stores on Lazada and Shopee.

Product Showcase

Sip the magic of Christmas with Seattle’s Best S’mores Ghirardelli Collection

Each drink captures the comforting spirit of Christmas with rich chocolate indulgence and a touch of sweetness that feels like a cozy holiday hug.

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There’s something about S’mores that brings people together—melting chocolate, toasted marshmallows, and moments that feel like home. This holiday season, Seattle’s Best Coffee and Ghirardelli are turning that warmth into a cup with the S’mores Collection Made with Ghirardelli. Each drink captures the comforting spirit of Christmas with rich chocolate indulgence and a touch of sweetness that feels like a cozy holiday hug.

Starting November 2025, chocolate lovers can indulge in this limited-edition collection in Seattle’s Best Coffee stores nationwide and via GrabFood and FoodPanda.

What Makes the S’mores Collection Special?

  • A Taste of Comfort – Inspired by the familiar joy of S’mores, each drink blends marshmallow sweetness, velvety chocolate, and bold coffee warmth for that fireside feeling—no campfire needed.
  • Premium Collaboration – Made with Ghirardelli’s signature chocolate and Seattle’s Best bold espresso, delivering a smooth, indulgent coffee experience that feels festive and luxurious.
  • Crafted for Every Craving – From hot to iced to blended, there’s a S’mores drink for every holiday mood, perfect for sharing cozy moments or treating yourself to something special.

Find Your Perfect Holiday Match

Whether you’re sipping by the tree, catching up with friends, or gifting yourself a well-deserved break, there’s a S’mores Collection drink for every kind of Christmas craving.

  • Hot S’mores Ghirardelli – Cozy up with this comforting blend of Ghirardelli chocolate powder, rich espresso, and creamy marshmallow meringue, topped with a dark chocolate drizzle and crushed graham cracker. It’s Christmas warmth in a cup.
  • Iced S’mores Ghirardelli – A refreshing yet indulgent twist that combines bold espresso, Ghirardelli chocolate, and half & half over ice, finished with marshmallow meringue and a graham cracker crunch.
  • S’mores Javakula – A frozen holiday treat that blends Ghirardelli chocolate, marshmallow meringue, dark chocolate sauce, and graham cracker bits, perfect for cooling down while staying in the holiday spirit.

Make Your Holidays Sweeter

The Seattle’s Best Coffee x Ghirardelli S’mores Collection is available for a limited ti

me in all Seattle’s Best Coffee stores nationwide and via GrabFood and FoodPanda.

Indulge in the rich, chocolatey comfort of the holidays—warm, bold, and oh-so-delightful with every sip of Seattle’s Best Coffee’s S’mores Collection.

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Manulife brings personalized gut health insights to PH

Manulife customers in the Philippines will now be able to access a personalized gut health screening designed specifically for Asian populations.

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Manulife is introducing a new health initiative in the Philippines that offers personalized gut microbiome screening through its collaboration with AMILI, Southeast Asia’s first microbiome insights company.

In the Philippines, this partnership is especially timely. According to the 2025 Asia Care Survey, 82% of Filipinos cite rising healthcare costs as their top concern, and many feel uncertain about their ability to maintain physical and financial well-being in the future. The screening provided by AMILI helps address these anxieties by offering science-backed, preventive care that supports better health outcomes and reduces long-term medical risks.

“At Manulife Philippines, we are focused on delivering innovative solutions that support the evolving health needs of Filipinos,” said Rahul Hora, President and Chief Executive Officer, Manulife Philippines. “This collaboration with AMILI allows us to offer a unique health experience that goes beyond traditional insurance, empowering our customers to take a proactive approach to their health.”

Manulife customers in the Philippines will now be able to access a personalized gut health screening designed specifically for Asian populations. The service includes tailored nutrition recommendations and teleconsultation to help interpret results. This empowers customers to better understand their health and take preventive steps to improve immunity, brain function, heart health and overall longevity. The service also provides a meaningful way to address rising health concerns in the Philippines by showing how Manulife delivers on its promise to support longer, healthier lives—through early detection, personalized care, and preventive action that can help reduce long-term healthcare costs for individuals and the system

“Our goal is to be a true partner in our customers’ health journey—not just by helping them prepare financially, but also by giving them access to tools, services, and support for prevention, care, and overall well-being,” said Grace Mallabo, Chief Health and Product Officer, Manulife Philippines. “By integrating personalized health insights into our offerings, we are helping Filipinos make informed decisions and improve their quality of life.”

AMILI’s screening leverages the region’s largest multi-ethnic gut microbiome database, delivering insights that support digestive health, immunity, mental well-being, and chronic disease prevention.

“We’re proud to support Manulife’s customers in the Philippines with actionable, science-backed health insights,” said Dr. Jeremy Lim, Chief Executive Officer and Co-founder, AMILI. “This partnership is a step forward in making predictive, preventive care more accessible across Southeast Asia.”

This initiative in the Philippines is an expansion of the First-in-Asia Gut Microbiome Screening collaboration between Manulife and AMILI, launched in 2024 in Singapore. It is part of Manulife’s broader strategy to support health and longevity through value-added offerings across Asia, helping customers take control of their health in meaningful ways.

Details on the collaboration between Manulife Philippines and AMILI can be accessed at https://www.manulife.com.ph/services/manulife-move.html.

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AIA Philippines CEO named Executive Champion of the Year in Asia

The award recognizes leaders who go above and beyond in championing insurance advisers, equipping them to thrive in an evolving distribution landscape while shaping the insurance industry through innovation, growth, and purpose.

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Melita Teo, Chief Executive Officer of AIA Philippines, formerly Philam Life and the local arm of multinational insurer AIA Group, has been honored as Executive Champion of the Year at the 10th Asia Trusted Life Agents & Advisers Awards held in Singapore. The award recognizes leaders who go above and beyond in championing insurance advisers, equipping them to thrive in an evolving distribution landscape while shaping the insurance industry through innovation, growth, and purpose.

“This recognition is not mine alone, as it reflects the dedication, resilience, and passion of One AIA,” Teo said. “Across our entire business, every team member plays a vital role in earning the trust of Filipino families, and that is something I value deeply. Every success we achieve at AIA comes from their heart, dedication, and the lasting relationships they build in the communities they serve, all in living by our Purpose to empower more people to live Healthier, Longer, Better Lives.”

Since stepping into leadership in 2024, Teo has boldly transformed AIA Philippines’ distribution strategy, driving sustained growth, elevating BPI AIA to the forefront of bancassurance, and strengthening the brand’s resonance with Filipino customers.

Teo has also spearheaded digital transformation initiatives, including upgraded sales and recruitment platforms, AI-assisted training programs, and affordable digital insurance products like BPI AIA PamilyaProtect and InstaProtect. These tools and solutions have given AIA Life Planners and Bank Sales Executives the tools to streamline workflow and enhance productivity.

Beyond business performance, Teo has championed programs with social impact. The AIA Healthiest Schools initiative, launched in 2024, has already reached more than 7,200 students and educators across five regions, while the company reinforced its ESG commitments through AIA Net Zero. Under her watch, AIA Philippines was also certified as a Great Place to Work® and Best Place to Work, and recently honored at the 2025 HR Asia Awards for Best Companies to Work for in Asia; Diversity, Equity & Inclusion; Sustainable Workplace; and Tech Empowerment.

Her leadership has also helped the company earn external recognition at the 2025 Insurance Asia Awards for its cutting-edge digital innovations, customer-first solutions, and strong employee engagement—highlighting AIA’s continued commitment to empowering employees and agents while deepening its service to Filipino families and communities.

Looking ahead, Teo remains committed to empowering AIA Philippines with innovative tools, comprehensive training, and purpose-driven programs, as they continue to deliver long-term value to Filipinos. “We will keep investing in technology, training and development, and wellness initiatives so our Life Planners can thrive. Together, we can make a meaningful difference in the lives of more Filipinos and to those who matter to them most,” she added.

Now in its 10th year, the Asia Trusted Life Agents & Advisers Awards continues to spotlight leaders who go above and beyond in serving their communities. With this recognition, Teo and AIA Philippines reaffirm their commitment to strengthening its agency force and helping more Filipinos live Healthier, Longer, Better Lives.

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