Last updated: April 2026
By accessing or using this website (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this Site. These Terms apply to all visitors, users, and anyone who accesses or uses the Site.
This Site 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.
This Site is intended to provide general information about insurance advisory services offered by Isa Dumandan and to facilitate initial contact between prospective clients and Isa Dumandan in her capacity as a Licensed Insurance Advisor.
Nothing on this Site constitutes a contract of insurance, a binding offer, or a guarantee of coverage. All insurance products discussed are subject to the terms, conditions, and underwriting approval of FWD Life Insurance Corporation.
The information provided on this Site is for general informational and educational purposes only. It does not constitute financial, legal, tax, or investment advice, and should not be relied upon as such.
Isa Dumandan acts as a Licensed Insurance Advisor affiliated with FWD Life Insurance Corporation. Any specific insurance recommendations will be made in the context of a direct advisory relationship and will be based on your individual circumstances.
You are encouraged to seek independent professional advice before making decisions about insurance, financial planning, or wealth management.
While we make reasonable efforts to ensure the information on this Site is accurate and up to date, we make no warranties or representations of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, or services contained on the Site.
Insurance product features, premium rates, and coverage terms are subject to change and should be confirmed directly with FWD Life Insurance Corporation or through a formal product illustration at the time of application.
The Free Coverage Check form on this Site is designed to collect preliminary information to help Isa Dumandan prepare for an initial advisory conversation. Submitting the form does not:
Information submitted through the form will be handled in accordance with our Privacy Policy.
All content on this Site — including text, graphics, logos, images, and page layouts — is the property of Isa Dumandan or her licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without prior written permission.
This Site may contain links to third-party websites, including FWD Life Insurance Corporation's official platforms. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
To the fullest extent permitted by applicable law, Isa Dumandan shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this Site or any content thereon.
This limitation applies whether the claim is based on warranty, contract, tort (including negligence), or any other legal theory.
Isa Dumandan is a licensed insurance agent affiliated with FWD Life Insurance Corporation, duly regulated by the Insurance Commission of the Philippines. All life insurance products referenced on this Site are underwritten by FWD Life Insurance Corporation.
Isa Dumandan does not represent any other insurer on this Site.
These Terms of Use are governed by and construed in accordance with the laws of the Republic of the Philippines. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of the Philippines.
We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to this page with a revised "Last updated" date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.
For questions regarding these Terms of Use, please contact:
Isa Dumandan
Licensed Insurance Advisor · Certified Wealth & Estate Planner
Affiliated with FWD Life Insurance Corporation
Email: [email protected]