You've Delivered the Bad News a Hundred Times. Who Delivers It to Your Family?
Income protection and wealth-building plans designed for physicians — from ₱8,000/month. One 20-minute assessment, scheduled around your clinic hours. Data first, decision later. No pharma-rep energy, I promise.
You Know the Statistics Better Than Anyone. You're Just Not Applying Them to Yourself.
Every week, you watch families absorb a diagnosis. Statistically, physicians are among the most underinsured professionals in the country. The reasons are always the same:
You started late
Med school, residency, boards, fellowship — you began earning seriously in your 30s while your college batchmates had a ten-year head start. Your wealth-building window is compressed, which makes protecting it more urgent, not less.
Your income is your hands, your mind, and your license
Private practice has no employer benefits, no paid leave, no pension. If you can't do rounds, hold clinic, or operate — because of illness, injury, or worse — professional fees stop that same week. The overhead doesn't.
You're too busy saving other people's families to sit down for your own
The classic physician's paradox: you'd never let a patient postpone a screening the way you've postponed this. You don't need convincing that mortality and morbidity are real — you need a plan that respects the evidence, and your calendar.
Four Interventions. One Plan.
Framed the way you'd want a colleague to present it — outcomes first.
Income replacement — the definitive kind. If the worst happens, your family receives enough to replace years of professional fees. Mortgage, tuition sa exclusive schools, household staff, aging parents — the life your practice built continues without liquidating any of it.
Critical illness coverage — because you know the survival curves. A lump-sum benefit on diagnosis funds your treatment and replaces clinic income during recovery, so you heal on your own timeline, not your cash flow's.
Compressed-timeline wealth building. Part of every payment is invested to convert peak-practice income into permanent assets — retirement, or the fund that lets you cut clinic days at 55 instead of 70.
Estate liquidity. For physicians with significant assets, insurance proceeds provide immediate liquidity for your heirs — cash available when it's needed most, while estates settle. Specifics depend on your situation; we'll map it in the assessment, and I'll tell you plainly when a question belongs to your lawyer or accountant instead of me.
Dosed to Your Practice Stage
Exact figures depend on your age, specialty, and goals. The assessment produces your actual numbers — no ranges, no "it depends," walang bola.
Resident / Early Practice
Maximum protection at your lowest-ever rates. The smartest money a young physician spends: lock in insurability now, while your APE is still spotless.
- Maximum protection
- Lowest-ever premium rates
- Lock in insurability
Established Practice
Most chosen.
- Full income replacement
- Critical illness coverage scaled to physician income
- An accelerated investment fund
Senior Practice / Estate
Maximum wealth transfer, estate liquidity, and legacy structuring for physicians in peak earning years.
- Maximum wealth transfer
- Estate liquidity
- Legacy structuring
Hi, I'm Roselle — Financial Advisor to Families and Physicians
I'm a licensed financial advisor with Pru Life UK, one of the country's most established life insurers, and I've been helping young families plan for over 5 years. I've learned to work the way you prefer: evidence first, recommendations second, and zero pressure ever. I schedule around clinic hours, I come prepared so 20 minutes means 20 minutes, and I'll never make you sit through a flipchart presentation you didn't ask for.
Three Steps. Twenty Minutes. Your Schedule.
- 1
Book the assessment.
Early morning pre-rounds, lunch break, post-clinic, or Sunday — video call or in person, whatever your week allows. Tell me your specialty and situation beforehand so we skip the small talk.
- 2
Review your numbers.
Income replacement need, critical illness exposure, investment projection on your actual timeline — presented like a chart review, not a sales pitch.
- 3
Decide like you'd want your patients to.
Informed, unhurried, with all questions answered. Take the computation, discuss it with your spouse, sleep on it. Follow-up is on your terms.
Questions You Might Be Asking
Primum Non Nocere — Including to Your Own Family's Finances.
You've spent your career managing everyone else's risk. Twenty minutes puts the same rigor on your own chart.