Secure the Future: Why Filipinos Must Talk About Inheritance Today

 In many Filipino households, love is expressed through quiet sacrifice:  years of hard work, remittances sent from abroad, businesses sustained across generations, and a home built brick by brick. These are more than financial assets; they are symbols of dedication and legacy.

But what happens when the one holding the reins is no longer around?   

That’s the hard truth behind estate planning. It’s not about wealth for wealth’s sake. It’s the key to ensure that everything you worked for continues to benefit future generations, without confusion, conflict, or unnecessary loss. To put it more simply, it’s a way to protect the people you love long after you’re gone.               

Estate Planning Is Not Just for the Wealthy

While often seen as a topic reserved for the ultra-wealthy, estate planning should be a conversation for every Filipino. If you own a home, run a small business, or simply want to secure your children’s future, you already have that inheritance worth protecting and passing on.

Planning ahead ensures that your assets, no matter the size, are transferred smoothly to your heirs. It prevents delays in accessing funds, avoids unnecessary taxes, and keeps family relationships intact. More importantly, it gives you peace of mind knowing that your loved ones won’t be burdened by legal complications or financial uncertainty when you’re no longer there.

A Powerful Tool for Estate Planning   
One of the most overlooked yet effective tools in estate planning is insurance. It provides immediate financial support to your beneficiaries, helping them cover expenses like estate taxes, legal fees, or even replacing lost income.            

One insurance product that can offer these benefits is Asset Master from AXA Philippines, a single-pay insurance and investment plan designed to support both wealth preservation and smooth inheritance. It provides life insurance coverage of at least 125% of your one-time premium payment or equivalent to your account value, whichever is higher, giving your heirs a financial cushion during a time of transition. It can also be topped up as your wealth grows, ensuring your protection keeps pace with your lifestyle.  

In simple terms, this kind of plan allows you to pass on your legacy — not your liabilities.

The True Value of Planning Ahead

Inheritance isn’t just about what you leave behind. It’s also about how you leave it. Beyond money or property, it’s also important to ensure passing on your values and vision with care. 

Filipino cultural values like utang na loob (debt of gratitude), bayanihan (community spirit), and pamana(inheritance) are rooted in love and a deep desire to care for the next generation. With the right guidance from financial advisors to well-structured insurance products, these values can be translated into practical plans that protect and empower.

Start Your Legacy Today        
Estate planning isn’t about expecting the worst—it’s about being prepared. Whether your goal is to safeguard your property, protect your family business, or simply ensure your children have financial stability, now is the time to act. 

With expert advisors and flexible solutions like Asset Master, you can take control of your legacy with clarity and confidence.       

Because when it comes to your family’s future, don’t leave it to chance. Know you can protect what matters with love, with intention, and with a plan.   

Learn more about how AXA Philippines can help secure your legacy here.

Emma by AXA PH: Designed to make every Filipino’s health and financial journey convenient and that much easier to achieve

In life, support comes in different forms. It may be from our loved ones, from things that bring us comfort, and even from tools that make our lives easier. One such tool is Emma by AXA PH, an app by leading insurance provider AXA Philippines. Emma aims to be your dedicated partner in digital health and financial wellness.

“Emma by AXA PH was designed to make every Filipino’s health and financial journey convenient and that much easier to achieve. It provides instant access to various health and financial products and services all in one app, always ready whenever they may be needed,” said Rahul Hora, AXA Philippines President and CEO.

The award-winning app, which has won Mobile App of the Year at the Insurance Asia Awards 2021, has features that help policyholders conveniently update their plans to match their life goals and needs. Tasks like paying their premiums, topping-up their investment, viewing and changing their beneficiary, changing their payment method, filing of claims, and plan reinstatement, can all be done via Emma.

Aside from empowering AXA customers to do their AXA transactions on the app safely and conveniently, the Emma by AXA PH app also offers access to its AXA Rescue Line feature. Rescue Line allows users, both AXA customers and non-customers alike, access to 24/7 emergency assistance, including police, fire, ambulance and roadside assistance. The app also allows the user to quickly contact their loved ones in case of emergencies, letting them list up to three emergency contacts on the app.

Moreover, AXA customers can easily accomplish other essential transactions on the app, such as accessing their ePolicy, avail medical teleconsultation, and access their Global Health Access or Health Care Access eCard.

Downloading the app is free, with a quick and simple registration process. But the app doesn’t only serve to benefit individual users, but the community as well. Just recently, AXA partnered with Communities Organized for Resource Allocation (CORA) for the “Adopt a Mangrove Seedling” promo wherein for the first 2,000 app registrations, AXA Philippines, through AXA Hearts in Action, lets customers adopt a mangrove to help the environment. Watch out for more initiatives like this when you download the Emma by AXA PH app.

Emma by AXA PH can be downloaded on the Google Play or App Store. It can also be accessed via web. For more information, visit  https://www.axa.com.ph/emma.