Lazada Philippines
How Do I Choose the Right Insurance Company to Buy From

Insurance companies are in place to protect ones property, family and to help with out-of-pocket costs for health care. Therefore, it is important to choose a company that can and will fulfill their obligation to their policy holder. The type of insurance chosen may vary depending on the life situation. For instance, if you are single your needs are much different than someone just starting a family. A young family just starting out may want insurance that will cover college tuition for their infant. Someone with an established family may want an insurance policy that will guarantee their adult children and spouse is taken care of in case of an emergency. A retiree or empty nester may have different needs and requirements. No matter what stage of life, there are several things to look for when choosing the right insurance company.

Insurance companies range in size from the large multimillion dollar companies that have been around for a long time, to the midsize and smaller companies that may be building their reputation. Whether you are considering a large, medium or small insurance company, it is important to check if they have a history of meeting their obligations. All insurance companies are required by law to maintain large reserves that guarantee they can meet the obligations of their customers. This is called actuarial reserves and is required to offset assets to pay off any future liabilities. Every state sets a minimum amount that the insurance companies must have in their reserves. Make sure that the company is insured and that it meets the state’s standards.

Decide if you want to work with an independent or captive agent. The independent agent has the ability to work with several different insurance companies and generally have their own home office. The captive agent works solely for one company. Whether you choose to work with an independent or captive agent, it is important to have a good working relationship.

When making your decision on which company will fulfill your needs, compare benefits. Make a list of your needs and find out if the insurance company can meet those requirements. Check what the costs will be and if they comfortably fit into your budget. Check the cost of the deductible, what the out of pocket limit will be and what will be your co-pay. Find out how much the insurance company will cover in case of an accident and if it fits your needs.

Another factor to consider when choosing the best insurance company is to check the company’s rating. There are several private companies that do financial analysis on insurance companies that you can check online or at your local library. Make certain the company’s rating meet your standards. Not all insurance companies use the same rating system so it is important to keep that in mind when checking ratings.

Lastly, find out if any complaints have been lodged against the company. Any complaints that have been filed against them can be found at the National Association of Insurance Commissioner’s database.



Unbeatable price, just for you:

    10000mAh Powerbank with Battery Sensor (Yellow) 10000mAh Powerbank with Battery Sensor (Yellow) - picture 2
    • (No rating)
    • Unbranded
    10000mAh Powerbank with Battery Sensor (Yellow)
    Original price: ₱3,000

    ₱950
      Karrimor Indie 30 Backpack (Black) Karrimor Indie 30 Backpack (Black) - picture 2
      • (No rating)
      • Karrimor
      Karrimor Indie 30 Backpack (Black)
      Original price: ₱4,600

      ₱3,220
        Super Bass Zipper In-Ear Earphones (Black) Super Bass Zipper In-Ear Earphones (Black) - picture 2
        • Unbranded
        Super Bass Zipper In-Ear Earphones (Black)
        Original price: ₱699

        ₱180
          Bosch GSA 1100 E Sabre Saw (Blue/ Black) Bosch GSA 1100 E Sabre Saw (Blue/ Black) - picture 2
          • Bosch
          Bosch GSA 1100 E Sabre Saw (Blue/ Black)
          Original price: ₱10,000

          ₱7,150
            Fender Capo (Blue) Fender Capo (Blue) - picture 2
            • (No rating)
            • Fender
            Fender Capo (Blue)
            Original price: ₱450

            ₱399
              Butterfly 3 Star 40+ Plastic Table Tennis Ball Butterfly 3 Star 40+ Plastic Table Tennis Ball - picture 2
              • Butterfly
              Butterfly 3 Star 40+ Plastic Table Tennis Ball
              Original price: ₱750

              ₱480
                Vistro 1007 Waterproof Mulfunctioning Folding Travel Bag (Blue) Vistro 1007 Waterproof Mulfunctioning Folding Travel Bag (Blue) - picture 2
                • (No rating)
                • Vistro
                Vistro 1007 Waterproof Mulfunctioning Folding Travel Bag (Blue)
                Original price: ₱1,099

                ₱449
                  Brett Baseball 3-Way Umpire Indicator Brett Baseball 3-Way Umpire Indicator - picture 2
                  • (No rating)
                  • Brett
                  Brett Baseball 3-Way Umpire Indicator
                  Original price: ₱650

                  ₱380
                    Lenovo ThinkPad T61 Laptop Battery Lenovo ThinkPad T61 Laptop Battery - picture 2
                    • (No rating)
                    • Lenovo
                    Lenovo ThinkPad T61 Laptop Battery
                    Original price: ₱3,000

                    ₱3,000
                      Bragg Apple Cider Vinegar 946ml Bragg Apple Cider Vinegar 946ml - picture 2
                      • (No rating)
                      • Bragg
                      Bragg Apple Cider Vinegar 946ml
                      Original price: ₱1,000

                      ₱657
                        Karrimor Indie 20 Backpack (Ruby) Karrimor Indie 20 Backpack (Ruby) - picture 2
                        • (No rating)
                        • Karrimor
                        Karrimor Indie 20 Backpack (Ruby)
                        Original price: ₱3,500

                        ₱2,450
                          Remanufactured Canon PG-810 Ink Cartridge (Black) with Remanufactured Canon CL-811 Ink Cartridge (Tri-Color) Remanufactured Canon PG-810 Ink Cartridge (Black) with Remanufactured Canon CL-811 Ink Cartridge (Tri-Color) - picture 2
                          • IQ Durable
                          Remanufactured Canon PG-810 Ink Cartridge (Black) with Remanufactured Canon CL-811 Ink Cartridge (Tri-Color)
                          Original price: ₱870

                          ₱870
                            Foldable Bag Pack (Pink) Foldable Bag Pack (Pink) - picture 2
                            • Unbranded
                            Foldable Bag Pack (Pink)
                            Original price: ₱500

                            ₱249
                              WOW Equation Unisex Red Leather Strap Watch WOW Equation Unisex Red Leather Strap Watch - picture 2
                              • Unbranded
                              WOW Equation Unisex Red Leather Strap Watch
                              Original price: ₱700

                              ₱269
                                Pampers Baby Dry Diaper Small 58s Pampers Baby Dry Diaper Small 58s - picture 2
                                • Pampers
                                Pampers Baby Dry Diaper Small 58s
                                Original price: ₱447

                                ₱447
                                  LSC Pendant Lamp (Brown) LSC Pendant Lamp (Brown) - picture 2
                                  • (No rating)
                                  • Unbranded
                                  LSC Pendant Lamp (Brown)
                                  Original price: ₱32,228

                                  ₱32,228
                                    Baby Kingdom Baby Wipes 20's Milk Scent Moisturizes and Protects Pack of 5 Baby Kingdom Baby Wipes 20's Milk Scent Moisturizes and Protects Pack of 5 - picture 2
                                    • Baby Kingdom
                                    Baby Kingdom Baby Wipes 20's Milk Scent Moisturizes and Protects Pack of 5
                                    Original price: ₱299

                                    ₱185
                                      Stainless 4 Layer Chocolate Fountain Stainless 4 Layer Chocolate Fountain - picture 2
                                      • Unbranded
                                      Stainless 4 Layer Chocolate Fountain
                                      Original price: ₱2,899

                                      ₱1,399
                                        Acer Extensa 5635/AS09C31 Laptop Battery Acer Extensa 5635/AS09C31 Laptop Battery - picture 2
                                        • (No rating)
                                        • Acer
                                        Acer Extensa 5635/AS09C31 Laptop Battery
                                        Original price: ₱3,000

                                        ₱3,000
                                          SOMHO S311 Portable Bluetooth Speaker (Gray) SOMHO S311 Portable Bluetooth Speaker (Gray) - picture 2
                                          • Unbranded
                                          SOMHO S311 Portable Bluetooth Speaker (Gray)
                                          Original price: ₱5,588

                                          ₱1,388
                                            Pop Art Professional Make-up Bag Case Bonita (Zebra Stripes) Pop Art Professional Make-up Bag Case Bonita (Zebra Stripes) - picture 2
                                            • Pop Art Beauty
                                            Pop Art Professional Make-up Bag Case Bonita (Zebra Stripes)
                                            Original price: ₱3,200

                                            ₱1,999
                                              Lenovo Y300 Laptop Battery Lenovo Y300 Laptop Battery - picture 2
                                              • (No rating)
                                              • Lenovo
                                              Lenovo Y300 Laptop Battery
                                              Original price: ₱3,000

                                              ₱1,250
                                                Toywatch Unisex White Resin Strap Watch FLO1WH Toywatch Unisex White Resin Strap Watch FLO1WH - picture 2
                                                • (No rating)
                                                • Toywatch
                                                Toywatch Unisex White Resin Strap Watch FLO1WH
                                                Original price: ₱12,000

                                                ₱12,000
                                                  Geneva Jaden Stainless Steel Watch (Silver) Geneva Jaden Stainless Steel Watch (Silver) - picture 2
                                                  • (No rating)
                                                  • GENEVA
                                                  Geneva Jaden Stainless Steel Watch (Silver)
                                                  Original price: ₱1,500

                                                  ₱429
                                                    Pizza Floater (Yellow) Pizza Floater (Yellow) - picture 2
                                                    • (No rating)
                                                    • Unbranded
                                                    Pizza Floater (Yellow)
                                                    Original price: ₱15,000

                                                    ₱15,000
                                                      Pizza Floater (Yellow) Pizza Floater (Yellow) - picture 2
                                                      • (No rating)
                                                      • Unbranded
                                                      Pizza Floater (Yellow)
                                                      Original price: ₱15,000

                                                      ₱15,000
                                                        Karrimor Indie 20 Backpack (Black) Karrimor Indie 20 Backpack (Black) - picture 2
                                                        • (No rating)
                                                        • Karrimor
                                                        Karrimor Indie 20 Backpack (Black)
                                                        Original price: ₱3,500

                                                        ₱2,450
                                                          Tieline Flat Pocket Square with Board Insert (Purple) Tieline Flat Pocket Square with Board Insert (Purple) - picture 2
                                                          • (No rating)
                                                          • Tieline
                                                          Tieline Flat Pocket Square with Board Insert (Purple)
                                                          Original price: ₱295

                                                          ₱295
                                                            Beat Stress II Adult Coloring Book (White) Beat Stress II Adult Coloring Book (White) - picture 2
                                                            • (No rating)
                                                            • Unbranded
                                                            Beat Stress II Adult Coloring Book (White)
                                                            Original price: ₱250

                                                            ₱175
                                                              Bling Bling Alphabet Necklace Letter H (Silver) Bling Bling Alphabet Necklace Letter H (Silver) - picture 2
                                                              • (No rating)
                                                              • Unbranded
                                                              Bling Bling Alphabet Necklace Letter H (Silver)
                                                              Original price: ₱448

                                                              ₱199
                                                                Crystal Amber Contact Lens (Brown) Crystal Amber Contact Lens (Brown) - picture 2
                                                                • Crystal
                                                                Crystal Amber Contact Lens (Brown)
                                                                Original price: ₱650

                                                                ₱550
                                                                  Hot Shapers Women's Shapewear Pants (Black) Hot Shapers Women's Shapewear Pants (Black) - picture 2
                                                                  • Unbranded
                                                                  Hot Shapers Women's Shapewear Pants (Black)
                                                                  Original price: ₱799

                                                                  ₱349
                                                                    Zipper-type In-Ear Earphone(Violet) Zipper-type In-Ear Earphone(Violet) - picture 2
                                                                    • (No rating)
                                                                    • Unbranded
                                                                    Zipper-type In-Ear Earphone(Violet)
                                                                    Original price: ₱500

                                                                    ₱199
                                                                      Polar Pro Promic Microphone Kit for GoPro Polar Pro Promic Microphone Kit for GoPro - picture 2
                                                                      • (No rating)
                                                                      • Polar Pro
                                                                      Polar Pro Promic Microphone Kit for GoPro
                                                                      Original price: ₱5,500

                                                                      ₱2,750
                                                                        LSC G95 E27 100-250V 4W 2700K Bulb (Warm White) LSC G95 E27 100-250V 4W 2700K Bulb (Warm White) - picture 2
                                                                        • (No rating)
                                                                        • Unbranded
                                                                        LSC G95 E27 100-250V 4W 2700K Bulb (Warm White)
                                                                        Original price: ₱2,288

                                                                        ₱2,288
                                                                          Toywatch Unisex White Resin Strap Watch FLO1WH Toywatch Unisex White Resin Strap Watch FLO1WH - picture 2
                                                                          • (No rating)
                                                                          • Toywatch
                                                                          Toywatch Unisex White Resin Strap Watch FLO1WH
                                                                          Original price: ₱12,000

                                                                          ₱12,000
                                                                            HP Laptop Keyboard for Compaq Mini 210/210-1000/588115-001 HP Laptop Keyboard for Compaq Mini 210/210-1000/588115-001 - picture 2
                                                                            • (No rating)
                                                                            • HP
                                                                            HP Laptop Keyboard for Compaq Mini 210/210-1000/588115-001
                                                                            Original price: ₱1,150

                                                                            ₱1,150
                                                                              Pineapple Floater (Yellow) Pineapple Floater (Yellow) - picture 2
                                                                              • (No rating)
                                                                              • Unbranded
                                                                              Pineapple Floater (Yellow)
                                                                              Original price: ₱15,000

                                                                              ₱15,000
                                                                                HP Mini-Note 2133 Laptop Battery HP Mini-Note 2133 Laptop Battery - picture 2
                                                                                • (No rating)
                                                                                • HP
                                                                                HP Mini-Note 2133 Laptop Battery
                                                                                Original price: ₱3,500

                                                                                ₱3,500
                                                                                  SteelSeries H8 Gaming Mousepad (Black) SteelSeries H8 Gaming Mousepad (Black) - picture 2
                                                                                  • (No rating)
                                                                                  • SteelSeries
                                                                                  SteelSeries H8 Gaming Mousepad (Black)
                                                                                  Original price: ₱450

                                                                                  ₱227

                                                                                  Discovering the deals you want, at the moment you need them.

                                                                                  Find the latest active discount vouchers and codes
                                                                                  Save up to half price on everything from fashion and beauty products, to kid's toys and technology with our exclusive voucher codes.

                                                                                  Get big discount and compare products, read product reviews before buying. Shopping made very easy at your finger tip. Get the latest womens fashion online at pinoyeshop.com. With 100s of new styles every day from dresses, onesies, heels, & coats, shop womens clothing now!

                                                                                  Mission & Vision: The thrill of finding an amazing deal is something everyone should experience.