Summer Cleaning: The Advantages of Decluttering your Home

A clean home is a serene home. When you are surrounded by mess, it is much harder to feel calm, noticing all of the bundled clothes, unorganized magazines, and dusty shelves. For the most part, it isn’t conducive to do or accomplish anything at all, which is why we were brought up by our parents to value the importance of cleanliness and proper hygiene. Without these two important things, we may never get by in life, struggling to concentrate on our goals and failing to do all of the necessary things as we are distracted by all of the mess that overwhelms us.

This is even more evident during the summer, as the heat index rises due to the lack of circulation within your home. The air passages from outside are either blocked out by unorganized mess or by clear inches of dust, all of which may contribute to irritability and anxiety. With this in mind, it is safe to say that nothing would ever signify a much better home than by decluttering every mess out of existence. Decluttering may just solve that longstanding problem of disorder and mess within your household, not counting the allergies and psychological problems brought about by a gloomy place. Don’t believe us? Here are a few examples of the advantages when it comes to decluttering your home:

1. Decluttering provides a wider space within your home.

Admittedly, clutter tightens your moving space. If your path is often blocked or constricted by disorganized furniture, unhanged clothes, and sprawled out toys then you might as well need to take hold of the broom and start sweeping. This is critical, especially during emergency situations, in which you’d have to move fast in order to either escape out of the house or to avert the whole incident. The perfect example of this would be during a fire, where a messy room may prove to be hazardous, with everything catching on fire and your pathway being blocked off by all of the burning clutter. Things may go from messy to risky, hence, why you should clear out any unnecessary trash, items, and dirt from your home. This is more critical when you’re not the only person at home, as your kids and loved ones may be at risk during such times. Do what you must and clear everything out to create a movable, breathing space indoors.

2. Decluttering helps you relax and relieves stress.

There is a famous decluttering expert that once emphasized the healing effects of cleaning out mess. According to that expert, decluttering “sparks joy,” and indeed, that is the truth. Don’t you find it hard to concentrate when you are being bothered by the awful sight of messy tables and shelves? Aren’t you irritated by the dust and odor coming from your bundled clothes on the floor? All of these may have harmful effects on your physical and psychological makeup, and it may prove unhealthy in the long run. Do something about the mess as early as now, do not wait for others to clean up the mess, especially if you’re the one with the ample time to do just that. With the summer season now on the horizon, your other family members may have ample time to help out in the cleaning. You may even teach them the proper ways of decluttering, based from your own experience. It’s like hitting two birds with one stone, basically, teaching them the importance of cleaning and disciplining them about hygiene and cleanliness. No longer would you have to worry about anyone leaving their mess again for that matter.

3. Decluttering helps you find long-lost items.

This is definitely true. Have you ever found yourself looking for that souvenir you received a few years ago from a workmate? How about trying to find your keys from the pile of unwashed pants in the bedroom? Or how about trying to find your pet cat from beneath the bundles of torn magazines on your living room floor? These valuable things may get buried beneath the bundle of mess if you aren’t cleaning up on a regular basis. The thing is, the more that the mess piles up, the harder would it be for you to find small, important items. Items such as keys, mini-phonebooks, calling cards, and even Swiss army knives may get lost deep within the pile that you wouldn’t even know where to begin looking for them. Avoid having to spend hours rummaging your house for just a single key, clean it all up, organize everything, and get rid of all the bundles of mess that were built up overtime. Keep everything in place and immediately have access to your treasured items.

4. Decluttering helps in making extra cash during the summer.

You’ve read that right. The thing about clutters is that they’d often mix your belongings so much that you’d never realize which item is still useful and which item is no longer being used at all. The latter is usually left untouched within the pile that you wouldn’t even notice its mint condition, in spite of all the recent years of use. Gadgets, apparel shoes, and even jewelries can get lost in the mix. When you buy yourself newer versions of these things, you wouldn’t even bother to have a second look at your pre-loved items, thus, leaving you with a goldmine that you never even realized that you had. Declutter your home, gather all of your pre-loved items which are still in mint condition, then sell them off via a garage sale or a pawnshop. The best thing about this isn’t just the cleanliness and orderliness of your home, but it’s also about the extra cash you’d make once you’re able to sell off your old stuff. Just make sure that the items you’re going to sell or pawn off are still in good working condition, unless you want to be accused of selling off broken items, and that would be illegal.

Now, after you’ve decluttered your home and are ready to make extra cash out of your old belongings, you may be looking for a pawn shop that would provide you with the most secure, reliable, and honest service and highest appraisal possible. No worries, as Cebuana Lhuillier has got your back. With their Pawning Service you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its more than 2,500branches nationwide. Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

The Future of Micro Finance Right on Your Phone

Mobile applications, they make everything faster and more convenient to accomplish. There used to be a time when paying your utility bills meant that you’d have to wait in line between thirty minutes to over an hour. Nowadays, that very same transaction can be accomplished faster with the push of a button. Of course, that’s not the only tasks that would require a huge chunk of time to process, activities such as submitting government paperwork, reserving tickets to an event or movie, and job applications are also known for this type of wait length. And we haven’t even touched on the time of your commute yet, as the time spent in line doesn’t even account for the time that you’d invest on your travel to and from the process venue. In such case, the rise of mobile applications which offers to ease up every tasks has everyone hooked, to the extent that they’d never have to experience waiting for thirty minutes or more amongst hundreds (or sometimes, even thousands) of onlookers.

Indeed, mobile applications (or apps, as they are now called) have become the “partners” of the average Filipino in their everyday lives. For the most part, apps are used for communication purposes, enabling their users to message or call their family, friends, or loved ones without having to spend too much on call and text rates. There are also instances in which they may send videos and pictures over apps, letting their “audiences” and followers know of their current or most recent activities. Definitely, this would only be limited to the people who has access to their personal pages, nonetheless, they would be updated in real time. If that isn’t enough, apps are also used as references for on-the-fly information. When we say on-the-fly, we are talking about information in need of sudden validation by the users. If an app user wants to find out the correct spelling of the word, a dictionary app would be most appropriate for the task. If that very same user wants to confirm the soup of the day from a specific restaurant, there is also an app which would indicate that. So overall, apps are like your daily human companions. They help you out in times of need, without breaking a sweat or wasting precious time in determining validated information.

Answering with valid information, is that all an app does?
No, as a matter of fact, most apps out there does more than simply telling you the correct spelling and definition of a word. There are apps that schedule your vacation itinerary, there are apps which calculates your electricity usage, and there are even apps which determines which delicacy has the highest calorie count, enabling you to avoid said food. This is the reason why some people consider mobile apps as daily companions, due to the fact that it does most of the tedious task for them, saving them a lot of time in doing more important things like their regular work and routines. Considering that even the simplest task may require a huge amount of time in analyzing the outcome, you may think that they are vital for an average person’s daily activities, and you may actually be right.

Cebuana Lhuillier’s eCebuana App
With all of that in mind, there is a particular cellphone app which has recently been making the waves due to their easy functionality and accessibility. The amount of things which this app can do definitely amazed a lot of people, going as far as revolutionizing the way that they’ve undergone the usual processes when it came to their financials and payment obligations. We are talking about Cebuana Lhuillier’s newly introduced eCebuana App. Now, you may ask, “What exactly is the eCebuana App? What are the things that I’d be able to accomplish using this app?” Well, look no further than the following info.

What kind of app is it exactly?
Cebuana Lhuillier’s eCebuana App allows Filipinos to access the different features of Cebuana Lhuillier Micro Savings wherever they are and whenever they want to. Cebuana Lhuillier is aware of the average Pinoy’s need to accomplish tasks in a timely and direct manner, hence, why they came up with this amazing solution to connect everyone to one of their vital services in order to help cut time in processing their transactions and to enable them to avoid the hassles of long lines as well. So you’d never have to invest fare money for commute, and neither would you ever need to line up as well just to have your preferred transaction processed.

Okay, it sounds good, but what are its main functionalities?
The Micro Savings service from Cebuana Lhuillier is definitely recognized as one of the establishment’s main services, so much that they came up with the app to avoid the build-up of people within their branches. People who are hoping to pawn off their pre-loved items would still need to bring their said items personally in order to have them appraised, but Micro Savings patrons may just simply handle their transactions using the app, as such transactions can be accomplished, even with no physical appearance. The following are the things you may accomplish in-app:

  1. It allows the app user to check their balance.For those who are hoping to check the total amount of their current savings, they may do so within the app. No longer would you have to go outdoors just to do that.
  2. It allows the app user to perform money transfers.Have a relative in the province who is currently in need of financial assistance? You may transfer whatever amount you’d want to provide from your own account towards their own Micro Savings account. You can also transfer money towards their bank accounts, given that you’ve been given their bank details.
  3. It allows the app user to send money.This is similar to the previous functionality, with the exception that the ones receiving the cash amount doesn’t have their own Micro Savings account. In such case, they may have to visit a Cebuana Lhuillier branch to receive the money. You, on the other hand, do not need to go outside your house in order to accomplish this, as this process can still be done through the app, given that your account has the appropriate amount.
  4. It allows the app user to load prepaid credits to their phones.It does what exactly the description says. You no longer have to stroll towards your local sari-sari stores just to have your cellphone number loaded. You can just reload directly from your Micro Savings account.
  5. It allows the app user to pay their bills by integrating it to their micro savings account.One of the most time-saving things you can do through the app is paying your utility bills. No longer would you need to commute and stand in line for minutes or so. You can do that at the comfort of your home, with the help of the app.

Download the eCebuana App now! Available at the Google Playstore.

Cebuana Lhuillier waives remittance fees for ABS-CBN donations to COVID-19 affected communities

Those who want to contribute to ABS-CBN’s Pantawid ng Pag-ibig efforts can now send their donations through Cebuana Lhuillier, without paying additional costs.

The micro financial services company has waived remittance fees for Pantawidng Pag-ibig donations to communities most affected by an enhanced community quarantine implemented in Luzon.

“Cebuana Lhuillier has always been there for Filipinos in whatever challenges they face. Together with ABS-CBN, we hope to show everyone that we can see this through by working together as a nation,” said Jean Henri Lhuillier, Cebuana Lhuillier president and CEO.

ABS-CBN’s Pantawid ng Pag-ibig campaign enjoins individuals and companies to donate funds to ABS-CBN Foundation towards buying the essential needs of Filipinos whose main source of livelihood has been affected by the month-long quarantine.

The Lopez Group jump-started the campaign by donating P100 million to the cause. Cash donations can be sent through the nearest Cebuana Lhuillier branches.

Cebuana Lhuillier waives remittance fees for ABS-CBN donations toCOVID-19 affected communities

Those who want to contribute to ABS-CBN’s Pantawid ng Pag-ibig efforts can now send their donations through Cebuana Lhuillier, without paying additional costs.

Cebuana Lhuillier waives remittance fees for ABS-CBN donations toCOVID-19 affected communities

The microfinancial services company has waived remittance fees for PantawidngPag-ibig donations to communities most affected by an enhanced community quarantine implemented in Luzon.“Cebuana Lhuillier has always been there for Filipinos in whatever challenges they face. Together with ABS-CBN, we hope to show everyone that we can see this through by working together as a nation,” said Jean Henri Lhuillier, Cebuana Lhuillier president and CEO.

ABS-CBN’s Pantawid ng Pag-ibig campaign enjoins individuals and companies to donate funds to ABS-CBN Foundation towards buying the essential needs of Filipinos whose main source of livelihood has been affected by the month-long quarantine.The Lopez Group jump started the campaign by donating P100 million to the cause. Cash donations can be sent through the nearest Cebuana Lhuillier branches.

Sharing is Caring

 

Love has many forms, the same way that love may be expressed in various ways. The Valentine’s season is the perfect opportunity for us to express that love, whichever way we may choose. For the most part, everyone has already planned and sorted out their own ways in showing their love towards the people that matter to them. That certain thing is easy to do, especially if they happen to be in the same house as their loved ones. But how about the OFWs who live abroad? How would they be able to show that they care? How can they reciprocate the love that their family has been showing them throughout the routine overseas calls and Social Media chats? The answer is very simple, and has been a staple activity of OFWs for many decades. Simply put, through the noble act of sending money from abroad.

Money remittance has stood the test of time, ever since the very first influx of Filipino workers abroad. People tend to forget that OFWs have a definite reason as to why they would endure long periods of time being away from their families, and that isn’t even for their own personal gain. No, it is all because of their loved ones, the very family that they hold dear in their heart. They’re the reason, they’re the priority, and they’re the catalyst.

Why do OFWs prefer to work abroad?
Everyone has their own reason as to why they would prefer to work abroad. The thing is, it isn’t even a matter of having a deeply-rooted plan with regard to working in a faraway place.. If given the choice, our beloved OFWs would have chosen to work here in the Philippines, just so they may see their loved ones every day. However, major factors such as job shortages, the dwindling economy, the low pay, and even the hefty travel commute would usually get in the way of a good lifestyle and livelihood, hence, they would have to make one of the hardest decisions of all, in one way or the other, and that is to leave their family here in the country in order to provide for them sufficiently.

How many OFWs are there as of late?
Data gathered from the 2018 Survey on Overseas Filipino showed that there were at least 2.3 million Filipinos abroad. The Overseas Contract Workers, those of which who has an existing work contract comprised 96.2% of the total number of OFWs during the period of April 2018 to September 2018. To be more specific, Saudi Arabia was the leading country where our OFWs flock to, with 24.3%. Other popular destinations were United Arab Emirates (15.7 %), Hong Kong (6.3 %), Kuwait (5.7 %), Taiwan (5.5 %), and Qatar (5.2 %). Take note that these were data gathered from 2018. The numbers may have changed up until the time of writing of this article (year 2020), but the government is working non-stop, in order to gather and compute for that updated data. It’s either the numbers going up, or some of the percentages going down, only for other countries to come into equation as the new destination for modern OFWs. In such case, even small percentages in comparison are still worth thousands, if not, hundreds of Filipinos who are giving it their all in order to provide for their families.

With OFWs being far away from their families, how do they express their care even without their presence?
This is best done by the very purpose that motivated them to go abroad, and that is to provide for their loved ones back at home. We Filipinos regard our OFWs highly, and that is for a very good reason. The sacrifice that they do on a daily basis is an epitome of their unwavering motivation to give their families a good life. In the modern era, countless Filipinos are stationed abroad, giving it their all, with no regard for their own safety and well-being, most of the time. Even in countries which are on the verge of war, you may have seen news reports of Filipinos not wanting to come home, as it may lower their chances of ever going back once everything settles and reforms are made. They’d prefer to be in the heat of the action, going as far as sacrificing their own well-being, just to ensure that their kids would are provided for back at home to pursue their education.

It may seem impractical and senseless at first glance, but remember, these sacrifices are done for their loved ones to have a good life. No amount of money or sense of self-preservation may compare to the happiness that they’d incur once they see their families enjoying a full and bountiful future.

If being an OFW is the perfect job to convey that care, through the wonderful world of money remittance. What is it like being an OFW?
Unfortunately, being an OFW doesn’t protect you from the possibility of employment abuse. It was once said that employment conditions abroad are relevant to the individual worker and their families, as well as for the sending country and its economic growth and well-being. Poor working conditions for Filipinos hired abroad include long hours, low wages, and just a few chances to visit their family. With that being said, it’s not all fun and games for our beloved Overseas Filipino Workers. We’ve mentioned on multiple occasions how being an OFW has its risks as well, that they put their bodies on the line just for a fair wage. There may even be injustices to their regular pay grade, so even if they wanted to, their remittances are limited according to the pay that they’ve received. Of course, we’ve got lots and lots of regulations put in place in order to protect the OFWs from abuse, however, not all of them are being implemented, let alone being checked or updated to fit the context of the modern OFWs.

Giving credit where credit is due
We Filipinos always value our families. If that’s the case, then even the Overseas Filipino Workers themselves know that the surefire way of showing their appreciation would be sending back money to those who’ve shown unwavering support for them during their woes and triumphs. It just so happens that Valentine’s Day is a day that amplifies that deed, as everyone is more than aware of the kindness and concern they’ve received from others, and that they are more than willing to show them back. A round of applause and a standing ovation for the OFWs who are consistent in doing this, with no months skipped, thus, continuing to help their loved ones out with the expenses while also providing more cash within the economy’s circulation.

However, that is made possible only by a trustworthy remittance center that has stood by OFWs for more than 30 years, and nothing indicates a more trusted name than Cebuana Lhuiller. With Cebuana Lhuillier’s Pera Padala Service, you are ensured an easy, quick, and safe way to send and receive money. With 2,500 branches nationwide, 6,500 established domestic partners, and 1.5 million physical and virtual touchpoints their money transfer service is made available to clients within and outside the Philippines. All transactions are done in real time, which enables clients to claim the money as soon as the sender completes the sending process in the branch. So for our beloved OFW patrons, feel free to visit any of our international partners – we assure a fast, easy and secure transaction.

For a complete list of our international partners, you may visit our website at https://www.cebuanalhuillier.com/pera-padala/

Winning to the Max!

 

Insurance – everyone needs them, yet, not everyone is aware of that fact yet. People know the word, but do not have any idea about what insurance is and the advantages of owning one. The thing is, people always tend to get too complacent in life, not knowing that unexpected occurrences may happen from time to time. In such case, those people who were prepared would definitely get a huge cushion when life hits them hard. With that being said, investing on something important would ensure that the future of your family would not go to waste. It is always better to be prepared than sorry, and Cebuana Lhuillier is here to help you accomplish just that with ProtectMAX, with a little extra Grand Prize on the side.

What is ProtectMAX?
Cebuana Lhuiller’s ProtectMAX is a microinsurance product designed for individuals aged 7 to 70 years old with Death Benefit, Accident or Sickness Emergency Cash Assistance, Accidental Dismemberment and/or Disablement, Murder and Unprovoked Assault and Residential Fire Reconstruction cash assistance. For as low as P50, each certificate is valid for four (4) months from the date of issuance and can be availed up to a maximum of 5 certificates per insured.

For a better understanding of what ProtectMAX is, just think of it as a more affordable alternative to those other insurances and micro insurances that you may have been hearing of before. Of course, they always come at a high cost, the thing is, ProtectMAX is the opposite of that, albeit the high-quality service and assurance they offer towards their customers/clients. You are better off investing in this particular Microinsurance than if your main priority is attaining an insurance that’s affordable and worth your hard-earned money. You may ask, “Well, that sounds great! But is my family qualified for this?” The definite answer is yes! The following are qualified beneficiaries for ProtectMAX:

Okay, such micro insurances usually allow me to have a beneficiary. Is my family qualified to be some of them?
No worries, they absolutely are. The qualified beneficiaries are your legal spouse, your kids who are of legal age (18 years old), your parents (which includes your mother and father), and your siblings (should be of legal age as well, married or single would still count).

As you can see, the list of beneficiaries aren’t really very limited, and it is understandable, as Cebuana Lhuillier is very much aware for the average Filipino’s need for a good insurance that would cover them in times of need.

What are the Premiums?
You just need to pay P50. That’s it, no tricks or gimmicks. For as low as P50, you may avail this amazing Microinsurance.

One (1) COC
Premium Benefits Coverage
Php 50 Accidental Death Php 25,000
Accidental Dismemberment and/or Disablement Php 20,000
Murder and Unprovoked Assult Php 5,000
Fire/Lightning Cash Assistance Php 5,000
Death Benefit (due to Sickness/Old age) Php 5,000
Accident or Sickness Emergency Cash Assistance Php 1,000

Of course, that’s not the only available premium. For just the price of P250, you may acquire a higher coverage:

Five (5) COC
Premium Benefits Coverage
Php 250 Accidental Death Php 125,000
Accidental Dismemberment and/or Disablement Php 100,000
Murder and Unprovoked Assult Php 25,000
Fire/Lightning Cash Assistance Php 25,000
Death Benefit (due to Sickness/Old age) Php 25,000
Accident or Sickness Emergency Cash Assistance Php 1,000 per
incident maximum
of 5 incidents

Regardless of the premium that you’d avail, you’re sure to find value for your money and security for the future of your family. But even that would just be the tip of the iceberg, as the claiming process itself isn’t even difficult, unlike other establishments who are offering their insurance services. For Cebuana Lhuillier’s ProtectMax, the process would entail the following:

The Claiming Process:

1) In the event of a claim, the claimant shall submit the complete claim at any Cebuana Lhuillier branch nationwide.

2) Cebuana Lhuillier Branch Personnel shall review the completeness of all claim documents and submit to Cebuana Lhuillier Insurance Solutions (CLIS) (depending on the type of claim) for claims evaluation and approval; the review shall be done in accordance with the guidelines of Pioneer Insurance and Surety Corporation (PISC).

3) CLIS will submit final advice, within 48 hours to the BP and claimant the status of the claim.

a. If a claim is approved, CLIS Head Office will pay the claimant in advance thru Pera Padala.

b.If the claim is Denied, CLIS Head Office shall send letter of denial to the claimant.

For the requirements, be sure to transact with authorized Cebuana Lhuillier personnel for more information.

That’s great and all, but do they have any current Promos that goes along with the micro insurance?
Yes, as a matter of fact, they do. From February 1, 2020 to April 30, 2020, you’d be able to participate in their “Bagong Taon, Bagong Motorsiklo E-Raffle Promo.” For every purchase of four (4) ProtectMAX micro insurance in a single transaction, a client would be given one (1) e-raffle entry. That e-raffle entry is for the chance to win one (1) Motorcycle on their grand draw! They will be giving away a total of eight (8) motorcycles, one per region, hence, eight lucky names will be drawn on May 4, 2020. The deadline of entries is on April 30, 2020, 11:59 P.M, so be sure to visit your nearest Cebuana Lhuillier as soon as possible.

Promo Terms and Conditions:
a) How many times may I participate in this promo?
-Only once, as you’d only be eligible to avail a total of four (4) ProtectMax per name.

b) How many e-raffle entries can I get after availing four (4) ProtectMax?
-You are only entitled to one (1) e-raffle entry.

c) How would I know if I won the e-raffle draw?
-Authorized Cebuana Lhuillier personnel will be sending the lucky winners a notification letter towards their address, which is why it is highly advised for the clients to update their complete address from time to time.

d) How will the winners acquire their grand raffle prize?
-All winners are advised to visit their nearest branch and present the notification letter which was sent to them, along with a valid ID (complete with their photo). From there, they would need to fill out an Acknowledgement Receipt and provide a testimonial towards the branch manager regarding the win.

With that being said, you may very well be on your way to availing this wonderful insurance offered by Cebuana Lhuillier. You may visit your nearest branch to know more about ProtectMax and the “Bagong Taon, Bagong Motorsiklo E-Raffle Promo.” Remember to transact only with our authorized personnel. All transactions are safely done within the safety of our establishments.

Cebuana Lhuillier insurance arm transforms into brokerage, ensures accessibility for Filipinos

Cebuana Lhuillier, the country’s largest microfinancial services provider, has introduced a new insurance brokerage company—Cebuana Lhuillier Insurance Brokers, Inc. (CLIB)—that aims to help provide Filipinos with better access to more inclusive and affordable insurance products and services.

2018 data from the Insurance Commission reveals that almost 40 million or only 37% of the country’s 105 million total population are covered by insurance. Further highlighting how getting insurance can be a challenge, owing to most Filipinos’ ineligibility for insurance, the inaccessibility of products, and high cost of premiums.

With CLIB, which transforms the 20-year-old Cebuana Lhuillier Insurance Solutions into a future-ready insurance broker, providing even more Filipinos with access to insurance that is affordable and designed for their everyday life. Moreover, Cebuana Lhuillier will offer an array of life and non-life insurance product made possible by their partnerships with an unlimited number of insurance providers and accessible through their state of the art digital platforms. The transformation into a brokerage company further highlights Cebuana Lhuillier’s capability to help Filipinos overcome the challenges in availing insurance.

“Today marks a new and exciting chapter in the history of Cebuana Lhuillier as we continue to champion financial inclusion—no longer just an agent, but a broker—providing Filipinos, regardless of their socioeconomic class, access to insurance products that fit their needs, financial capabilities and at the comforts of their own home,” said Jean Henri Lhuillier, Cebuana Lhuillier president and CEO.

Cebuana Lhuillier is also expected to offer its newest portfolio of personal, health, property, group, loan, and business and liability insurance products through CLIB. These include CL Personal Accident Basic, CL Travel Prime, CL Pamilya Max, CL Health Dengue and Leptospirosis, CL Fire, Typhoon, Flood, EQ Care, CL Drive Lite, CL Tourista Protect, CL Hotel Guest Care, CL Passenger Care, CL Employee Care Plus, CL MicroBiz Protek, CL AgriCare, and Cyber Insurance.

CLIB aims to bring prospective insurance providers and buyers together through different touch points, including the eCebuana mobile app and ProtectNow, a digital one-stop insurance shop which allows clients to compare the lowest prices of insurance offerings and monitor their insurance policies and claims in real-time.

The insurance broker will also bring its partner products, along with Cebuana Lhuillier’s flagship Protect Max, to some of the country’s biggest online stores, including Lazada and Shopee.

On ground, CLIB will offer products in more than 2,500 Cebuana Lhuillier branches nationwide as well as through their 6,500 domestic partner outlets, giving their insurance partners a unique advantage of establishing their presence in most urban and rural communities, which is still considered a largely untapped insurance market.

During the launch event, dubbed “Move into the Future”, Lhuillier, together with Cebuana Lhuillier Insurance Solutions first vice president and group head, Jonathan Batangan, paid tribute to several insurance companies who have been their trusted partners through 20 years.

Representing some of the industry’s most prominent insurance companies were Pioneer Insurance group head and CEO David Coyukiat, Prudential Guarantee chairman and CEO Robert Coyiuto, Malayan Insurance Company president and CEO Paolo Abaya, Federal Phoenix Group Insurance president and CEO Generosa Pia de Rosa, Western Guaranty Corporation EVP and general manager Claire Chua, Standard Insurance Company Inc. chairman Patricia Chilip, AXA Philippines president and CEO Rahul Hora, and Philippine American Life and General Insurance Company president and CEO Kelvin Ang.

50M Filipinos insured by 2022

Despite threats to public health posed by the coronavirus disease, renamed covid-19, the government is optimistic of closing 2022 with 50 million insured Filipinos.

In an interview, Juan Paolo P. Roxas, Microinsurance Head at Insurance Commission (IC), said insuring 50 million Filipinos in two years is the fighting target of the government.

“It’s the mandate of the government — to ensure 50 million Filipinos by 2022. That’s achievable. The industry is very optimistic in reaching out, particularly to the grassroots,” Roxas told reporters.

“Our goal is to work with everybody. We are now moving to tap the untapped market this year,” he added.

Roxas said the coronavirus outbreak may not hurt the insurance industry given that “human health is just one of the aspects of the business.”

He said developments such as the virus outbreak and the recent eruption of the Taal Volcano last January would make Filipinos more aware of the importance of getting insurance cover.

He said threats to public health should also challenge the insurance industry to come up with new products that would address new and emerging needs.

In a separate interview, Cebuana Lhuillier president and chief executive officer Jean Henri Lhuillier said the covid-19 outbreak is both a challenge and an opportunity for the insurance businesses.

Jonathan Batangan, first vice president and group head of Cebuana Lhuillier’s new venture Insurance Brokers Inc., said they will tap insurance partners to create new products that will provide coverage against epidemic outbreaks like covid-19.

The IC has yet to release full-year data on the industry’s performance in 2019. But as of the third quarter that year, some 40 million Filipinos have already been insured.

“We are optimistic and quite confident that by the year 2022, if things are steady just the way they are, we can hit the target. That means we have to onboard five million Filipinos a year,” Roxas stressed.

As of end-September, premium income soared 32.67 percent to P224.97 billion in three years — that’s a 2.768 percent increase from P218.91 billion in the same period in 2018.

Before this, premium income totaled P181.51 billion and P169.56 billion in the third quarter of 2017 and 2016, respectively.

Data showed life-sector premiums accounted for the bulk of 2019 premiums at P172.05 billion as of end-September while the nonlife sector contributed P44.02 billion in net premium written.

In 2016, the IC released microinsurance frameworks for agriculture, the health, and pre-need products to make the Philippines a microinsurance model in the region.

The Right Gift for the Right One

 

Valentine’s Day is always the perfect opportunity for us to give our loved ones the perfect gift. In such case, giving them something valuable and shiny may be the go-to idea. It’s been a norm to give jewelry on Valentine’s Day, after all. Husbands and boyfriends would often do that in order to please the woman of their lives. Giving them a gift that would last a lifetime definitely brings a very positive vibe to a lasting relationship. And not to be mistaken for materialistic importance, it’s all in the effort of coming up with something that would make an impact. You may have heard of other guys giving their loved one a ring, a necklace, a bracelet, etc. And admittedly, they do not come cheap. The amount of money you may be able to spend on Valentine’s Day is understandably limited, as there are far better things that you should be investing your money in, and shiny gifts shouldn’t be your top priority, especially if it’s going to be given in a seasonal event. No, you should set aside amounts for your future needs and investments, separating your seasonal expenses (Christmas gifts, Valentine’s Day gifts, etc.) from your vital funds.

With that being said, it’s possible that you may still be thinking about what to give your loved ones. Jewelry is an obvious choice, but as we’ve said, it may not always be practical, budget wise. “Then what may I give her instead?” you may ask. Well, we have a couple of tips that may resound better with your budget in the long run. These ideas, when done correctly would definitely put a smile on your loved one’s face. Aside from that, your wallet will be kept safe, without any need of ever breaking out any huge amount in order to impress your loved one. Of course, results may still vary, depending on your loved one’s preferences and lifestyle, but isn’t love all about taking risks? Shouldn’t you be more motivated in knowing that impressing her takes a bit of a challenge? That’s what true love is, after all.

1. A simple dinner.

The value of a particular gift isn’t always about the longevity of the items itself; it’s all about the experience that comes with receiving that very gift. The thing about the word “gift” is that it often comes off as a much generalized concept. A gift may be in the form of an item, a gift may come in the form of a song, a gift may come in the form of a memory, and it may also come in the form of an experience. This very first tip actually takes advantage of that very last form. You see, there is a saying that goes, “The best way to a man’s heart is through his stomach.” In such case, wouldn’t the same thing apply to women as well? If you opt to prepare a romantic dinner for your loved one or significant other, wouldn’t they value that more, due to the fact that you’ve visibly put as much effort as winning her heart before the start of your relationship? Great things always come in small packages, and even a simple romantic dinner would melt even the coldest heart of a woman. This is further amplified if you happen to cook for her, no hired waiters, no cooks, just invite her over at your home and cook her favorite delicacy. May it be local or foreign food, learn it, master it, and impress her with your skills. Trust us, she’s bound to remember it for a lifetime.

2. Going to the movies/cinema.

This tip would work to your advantage due to one simple fact, movie producers and studios would often time their movie releases during seasonal events. Haven’t you noticed, during December, there are a ton of Holiday themed movies? Some of them are even signed up for the country’s film festival within the same month. The same thing would usually happen during Valentine’s season. There are a ton of romantic comedies and tearjerkers being shown in the theaters to capitalize on the season, and the movie producers are very much aware of their possible profits. This isn’t a one way window of advantage for them though, as even the movie goers (including you and your loved one) are given multiple movies to choose from. Multiple movies would mean countless choices to enjoy during Valentine’s Day. The combinations of love story and other genres (just to pass them off as a legitimate Valentine’s Day release) somehow even gives you the chance to watch multiple movies with your partner. Take note, however, that seasonal movie releases would also garner a huge crowd in the theaters, so if you’re going to treat your loved one to the movies, be sure to reach the venue early, to avoid the long lines when buying tickets.

3. Going out of town for a short vacation.

Now, “Hold on!” you might say. “Aren’t vacations expensive? I thought these tips are supposed to help me treat and impress my loved one without breaking the bank?” Well, you are absolutely right. The first two tips are open alternatives to treating your special someone to a unique, yet, affordable Valentine’s Day experience. However, this third tip is all about the allowance. When we say allowance, we are referring to an extra amount that you are willing to shell out, without affecting your savings in the process. If you happen to have a huge amount that is leftover from your Christmas bonus, and you’ve managed to set aside an amount for your savings account already, then by all means, think outside the box and plan an out of town vacation with your loved one. Vacations do not necessarily have to be expensive, as remember, this is the Valentine’s season. Just like the movies, airline and travel companies are aware of the huge influx of lovers hoping to spend quality time together, so they’d plan out a couple of affordable packages for “two-person” travels. Take advantage of these “promos” and spend an unforgettable vacation with the woman that you love.

Now, these are just a couple of suggestions on how to spend your Valentine’s Day with a loved one, an appropriate gift of unforgettable experience for your significant other, if you may. The thing is, you may still find yourself scraping at the very last amount of savings in your account, hoping that it may fit your budget for this season of love. Don’t let that get in the way of your plans to impress her. There are always alternatives to receiving extra cash without having to borrow from a friend or a family member. Why not try pawning off some of your pre-loved items at home?

Cebuana Lhuillier has always been the leading establishment when it comes to pawning. Their Pawning Service ensures that you can never go short in any amount, as they accept an array of items, from jewelry to gadgets, as collaterals. They also lead the pawning industry by offering safety and the highest appraisal rate in the industry in its 2,500branches nationwide. So visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Lots of Love with Lots of Savings

 

We all want to show our loved ones how much they mean to us. In one way or another, we go out of our way in order to express our love, even in the most random way possible. This is further amplified during Valentine’s Day, because not only is it the most appropriate time to gift them with chocolates and flowers without seeming too pompous, but it would also show them that you are always there to make them feel that they are valued, regardless of the day or season. In such case, you may have been trying to come up with an appropriate gift that they would appreciate. Chances are, you are willing to spend a huge amount in order to impress your loved one. However, it is understandable that things may still seem a bit too tight at the moment, after all, the love month doesn’t really entail any form of bonus. No, all the bonuses have been given during the holidays, and you might have already spent them by now. In such case, your best bet would be finding alternatives to show your love and care towards your loved one. There are many affordable options for you to try out, but just in case you’re still clueless as to what these alternatives are, here are a couple of suggestions:

1) A tumbler.

It may not look much, but a simple drinking tumbler would be greatly appreciated by your loved one. Gifts do not always need to be full of hearts in order for you to show your care. Chocolates may give off that strong first impression, but that’s just exactly what it is, a first strong impression. Once the chocolates are eaten up, there may be nothing left to indulge on. A tumbler, on the other hand, would go the extra mile, in the sense that it isn’t meant for one-time use. They can be used after a workout, they can be used during lunch break at work, and they can even be used for a peaceful afternoon sip during the weekends. In this way, the recipient will always be reminded of your love and care whenever they do their tasks and work towards a better life. Now, if your goal is to really show that love during Valentine’s Day, the good news is, there are customizable tumblers out there which can be fitted with any image, thus, you may insert an image of your unforgettable date or a few fancy heart shapes. Most tumblers will only cost you a few hundred pesos. There are some tumblers sold in the market today which doesn’t even break the P400 to P500 mark.

2) A key chain.

If a drinking tumbler isn’t really your preferred type of Valentine’s Day gift, then perhaps you may give your loved one something more compact. Everyone always keeps their keys in the safest place possible, not wanting to lose it, unless they want to be locked out of their homes. Keys are a vital item that anyone may keep in their bags, in a drawer, or even in their wallets (though that would not really be advisable). More often than not, people forget where they put their keys, and that’s just normal, especially for people who have a lot on their mind. Luckily, key chains would make things easier by standing out from a plain background, so that their owners may see them immediately. Some key chains are even decorated with so much color, just so they would be recognizable at first glance. Key chains are a good gift for your loved ones, especially if they have the tendency to forget where they keep their most-valued items. The thing about key chains is that they are both affordable and customizable. You may gift one which has a picture of your loved one or their favorite cartoon character. It also comes in a very affordable price, so be sure to get one for your special someone this Valentine’s.

3) A greeting card.

This may be one of the most obvious choices when thinking of a Valentine’s Day gift. Often times, people underestimate the cheerful implications of a greeting. The thing is, what people need right now is to know that they are not forgotten. There are times in which we forget to greet our loved ones due to our busy schedules, always running against time, trying to catch the bus or jeep to work, not even hinting a smile or a warm “good morning!” This Valentine’s Day would be a great opportunity for you to express that they are loved, that you notice them,and that you are aware that they’re always there for you. A greeting card may seem too simple, but it’s not that you’re giving your loved ones a piece of thickened paper with fancy colors and fonts, it’s you giving them a reminder that you care. Greeting cards may be bought in your local bookstores or school supply shops. If you’re really saving up and are on a tight budget, then you may simply make your own Valentine’s Day greeting card. The more effort you’d put in your creation, the more that you’d be able to show how much they mean to you.

4) Take them out on a simple dinner.

Most gifts do not come in ornamental forms. Most of the time, it’s the hang outs and the dining experiences that counts. Why not take your loved ones on a dinner date? When we say dinner, we do not mean those expensive restaurants you’d usually see on Social Media advertisements. No, if your budget is limited, you don’t have to take them there. You may simply opt for a more affordable option, such as your local diners and fast food chains. After that, you may walk about and enjoy the romantic moonlight. Valentine’s Day gifts are like Christmas presents, it’s the thought that counts, not the form or price of the item. Your loved one will always keep your company, kindness, and care at heart, and making moments will be at the top of their head when looking back towards those precious memories, not on those expensive gifts.

Now that you’ve managed to know about these affordable Valentine’s Day gift options, you may very well be on your way to acquiring a significant amount of savings. The more you save, the more that you’d have in your bank for other events and expenses. With that in mind, you may be looking for a banking option that can manage all of your savings in a very secure manner. Well, we have a very trusted recommendation for you. Look no further than Cebuana Lhuillier’s Micro Savings product. At its core, it aims to provide easier banking access to Filipinos. The product is almost the same with any regular savings account in the Philippines, but doesn’t require a maintaining balance. Filipino citizens as young as 7 years old are also qualified to open an account, which can be considered as a “kids savings” or “junior savings” account. In a way, it is very much optimized to serve the average Filipino in general, as it is very accessible. So what are you waiting for? Show your savings some love this Valentine’s Day. Feel free to visit the nearest Cebuana Lhuillier now!

 

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)