Every month you delay buying fire insurance, you are gambling with everything you’ve worked for. Compared to the catastrophic cost of losing your entire restaurant, getting insured early is a small price to pay for survival. Consider this letter we received from a restaurant owner in Cebu seeking guidance on how to recover and protect their operation moving forward: A Letter from the Field Dear Aetos, I hope this finds you well. I own a five-storey restaurant in Cebu, and I need guidance before purchasing...

A friend recently approached me about a surety bond offer from a third-party provider. The deal looked straightforward: pay 1% of a ₱65 million obligation to secure the bond needed for a contract. The contact appeared professional and the terms tempting. When he insisted on an official written contract and direct confirmation from a licensed insurer, the provider hesitated, delayed, and then became unreachable.   This is a classic pattern in surety-related fraud. Businesses that need bonds for government contracts, construction projects, or regulatory compliance often...

For millions of commuters and enthusiasts across the country, two wheels represent unmatched freedom, practical mobility, and an economical way to navigate congested city streets and sprawling highways. Whether used for daily commutes, weekend leisure rides, or essential delivery runs, a motorcycle is often both a prized investment and a primary livelihood tool. Yet, despite how vulnerable motorcyclists are on the road, many riders settle solely for Compulsory Third-Party Liability (CTPL) insurance—the bare minimum required for vehicle registration. While CTPL addresses basic bodily injury liabilities...