Last updated: April 2026
This website is operated by Isa Dumandan (Ma. Isabel Micar Dumandan), a Licensed Insurance Advisor affiliated with FWD Life Insurance Corporation, regulated by the Insurance Commission of the Philippines.
The information contained on this website is provided for general informational purposes only. While we endeavour to keep the information accurate and current, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, or services on this website.
Nothing on this website constitutes or should be construed as an offer, contract, or binding agreement for insurance coverage. All insurance products referenced on this website are underwritten and issued solely by FWD Life Insurance Corporation, subject to the terms and conditions of the applicable policy, underwriting requirements, and approval by FWD Life Insurance Corporation.
Actual coverage, premiums, exclusions, and terms will be set out in the policy document issued by FWD Life Insurance Corporation upon approval of an application. No coverage is in force until a policy has been formally issued.
The content on this website, including any general descriptions of insurance products, planning concepts, or coverage information, does not constitute financial, legal, tax, or investment advice. It is not a substitute for professional advice tailored to your individual circumstances.
Isa Dumandan acts as a Licensed Insurance Advisor in her capacity as an affiliated agent of FWD Life Insurance Corporation. Any specific recommendations made by Isa Dumandan will be based on your individual situation and provided in the context of a direct advisory relationship.
You are encouraged to seek independent professional advice before making any insurance, financial, or estate planning decisions.
Any figures, percentages, or statistics referenced on this website are illustrative in nature and are provided for general context only. They are not derived from actuarial analysis specific to your situation and should not be relied upon as exact projections.
Premium estimates, benefit amounts, and investment projections are hypothetical and will vary based on individual underwriting factors, product selected, and prevailing market conditions at the time of application.
Isa Dumandan is affiliated exclusively with FWD Life Insurance Corporation for the purposes of this website and the advisory services described herein. FWD Life Insurance Corporation is duly licensed and regulated by the Insurance Commission of the Philippines.
Isa Dumandan does not represent any other insurer on this website.
This website may contain links to third-party websites. These links are provided as a convenience and do not constitute an endorsement of the content of those sites. We have no control over the nature, content, and availability of those sites and accept no responsibility for any loss or damage that may arise from your use of them.
We do not guarantee that this website will always be available or that access will be uninterrupted. We may update, modify, or take down content at any time without notice.
If you have any questions about this Disclaimer, please contact:
Isa Dumandan
Licensed Insurance Advisor · Certified Wealth & Estate Planner
Affiliated with FWD Life Insurance Corporation
Email: [email protected]