The information on this website and all related communications — including the Coverage Check form, Coverage Snapshot, and Conversation Call — is provided by Ma. Isabel Micar Dumandan (Isa Dumandan) in her capacity as a Licensed Insurance Advisor and Certified Wealth & Estate Planner.
All content is intended for general information and educational purposes only. It does not constitute a formal insurance offer, contract, or binding recommendation of any kind.
By using this website, you acknowledge that you have read, understood, and agree to this Disclaimer — as well as the Privacy Policy and Terms & Conditions available on this site.
Nothing on this website — including the Coverage Snapshot, any email, SMS, or content shared during a Conversation Call — should be construed as:
Isa is a licensed insurance advisor and certified wealth and estate planner — not a lawyer, accountant, or registered investment advisor. For legal, tax, or investment matters, please consult the appropriate licensed professional.
Isa is licensed and authorized to sell insurance products under the following companies, all regulated by the Insurance Commission of the Philippines:
Insurance recommendations are based solely on the information you provide. Approval of any insurance application is subject to each insurer's underwriting guidelines and is not guaranteed by Isa or this website. All premiums discussed are estimates only — final premiums are determined by the issuing insurer.
Always read your official policy documents carefully. The policy contract issued by the insurer — not any communication on this website — is the binding and authoritative document for all coverage matters.
Any examples, case studies, or illustrative scenarios referenced on this website or during a Conversation Call are for educational purposes only. They do not guarantee similar outcomes for any individual.
Insurance and wealth planning outcomes vary depending on personal circumstances, health status, market conditions, and the specific terms of the policy issued. Past examples are not a guarantee of future results.
Isa makes every effort to ensure the information on this website is accurate and up to date. However, insurance products, premiums, regulations, and market conditions change. No warranty is given — express or implied — regarding the completeness, accuracy, or timeliness of any content on this site.
Product details, benefits, and premiums shown on this site should always be verified against the official documentation from the relevant insurer before making any decision.
To the fullest extent permitted by Philippine law, Isa Dumandan shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from:
Isa acts as a licensed intermediary. Ultimate liability for policy terms, claims, and coverage decisions rests with the issuing insurer.
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