Preparing for the Unknown: A Checklist of Things to Settle for the Unforeseeable Future

“What are you afraid of?” – More often than not, people would answer this with the phrase, “I’m afraid of the unknown.” Indeed, everyone fears the future, the unforeseeable tomorrow that lies beyond what one can see. There are people who would spend money on fortune tellers, asking them for guidance on how they may best face the upcoming days of their lives. While it may seem ridiculous, even humorous at times, you can’t really blame them for doing something as trivial. Sure, we can all get by with our daily routines, doing what we usually do on a daily basis, working on the things that we are all too familiar with, and you know what they say about that, familiarity brings comfort and complacency. That, however, is where the problem arises. You see, nothing in life is ever consistent. You may have experienced a bright, sunny day today, but tomorrow may bring a whole lot of rain showers. The same goes for your daily routines, as things do not always go according to plan. Just when you thought today would seem as peaceful and serene as yesterday, something happens that shakes you out of your complacency, thus, rendering you shocked and confused. This is what everyone’s afraid of, this is the unknown that we all dread and hate.

In such case, you may ask, “Is there any way to deal with this? Is there anything that we can do in order to survive the unexpected things in our lives?” Well, there is one thing that we can do, and that is to prepare. No one can ever predict what tomorrow may bring, but preparations would give us that well-needed cushion in order to strengthen us and lessen the impact of any form of incident or emergency that may come our way.

1. First of all, settle all your dues.

May it be a utility bill, a loan, a luxury subscription, a government tax, or even an unpaid debt from years ago, as soon as you have the cash, settle them all, leaving no pending balance behind. The thing about unpaid dues is that, they’ll never go away without any equivalent action from you, and that action only requires you to do one thing – to pay. If you were to leave any debt unsettled and an emergency situation happens, your dues may add up, thus, leaving you with little to no amount of savings. Be wise and settle everything as early as possible. Be responsible enough to initiate all of your payments without waiting for any sort of warning or penalty. Remember that prevention will always be better than cure, and no financial cure may be able to remedy a huge pile up of debt just because you failed to settle all your dues on time.

2. Gather all your paperwork.

We all have our very own personal documents at home. You probably have them neatly stacked within an air-tight suitcase above your cabinet or just below your bed. Nonetheless, they are an immediate requirement for almost any process that may involve the government, ranging from your birth certificate, your tax registrations, and even your diploma. Now, as motherly as it may sound, you need to gather all of these documents (if you haven’t still) and keep them all well-organized within a single suitcase or container. Double check that you’re not missing anything. Be sure that the container is strong enough to withstand any moisture so that none of your documents would get wet, in the case of flash floods and other calamities that may involve heavy rain. Simple as they may be, these documents represent a certain part of you, which will help the government validate information about you in the long run, and losing even one of them may leave a dent in your records, making the process a lot longer to finish. This is true, especially if you’re applying for a passport or a driver’s license. This problem is even more amplified when you’re going for a benefit or a loan. Policies are much stricter when you’re particularly asking for money, since the government or the lending company doesn’t want to suffer scams.

3. Get a comprehensive insurance.

Emergencies, calamities, accidents, you name it! People are afraid of these, not only because they cause major harm and destruction towards the welfare of people and their hard-earned properties, but also due to the fact that they cause a huge amount of expense, even after the whole ordeal is done. A flash flood may wash away half of your home, a car accident may break a couple of your bones, and a sudden jolt of lightning may cause a short circuit fire, all of these are occurrences which may cost you a huge amount of money, and you definitely want to avoid paying for everything. A comprehensive insurance may very well save you a lot of money, due to the fact that they have various forms of coverages that can pay for most of the charge caused by these unfortunate incidents. If you happen to be rich then good for you, you can obviously pay for any property damage or body injury that may come your way, but if you only happen to make ends meet every month, then an insurance would be your best friend and well-trusted companion in facing the unforeseeable future.

With all of these in mind, it may be no surprise that you’re weighing your options, analyzing which establishment would be best for availing a well-trusted microinsurance premium and coverage. Look no further than with Cebuana Lhuiller’s Microinsurance Offerings, these are affordable insurance products which help Filipinos avail of financial services and privileges that higher-income earners have easy access to.Armed with innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position, Cebuana Lhuillier offers only the best for its clients. Feel free to visit your nearest branch for more information.

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)