Start building a secured future with a ‘wearable investment’.

For more than centuries, precious stones such as diamonds and jewelry have always been associated with ranks and riches due to its rarity, scarcity, and beauty. However, for others, these precious items meant more than just statement pieces or accessories of clothing. To some, gold jewelry can be a form of “wearable investment” that never loses its value but instead, an asset that grows more value over time which can secure even your financial future.

Start investing now with affordable and authentic jewelry pieces with Cebuana Lhuillier, Just Jewels, and Cebuana Lhuillier Jewelry Premium as it stages its much-awaited annual Black Friday Gold Rush Sale from November 11 to 17. Avail 10% off on all items and up to 50% off on selected items in Cebuana Lhuillier’s more than 3,000 branches nationwide. You may also visit Cebuana Lhuillier Jewelry Premium and Just Jewels branches and get up to 10% discount on selected jewelry items.

Shop online and avail up to 10% discount by simply visiting Cebuana Lhuillier Jewelry and Cebuana Lhuillier Jewelry Premium website at www.cebuanalhuillierjewelry.com and www.cebuanalhuillierjewelrypremium.com. You can also check-out items from Cebuana Lhuillier Jewelry Premium via Shopee, Lazada, and Zalora with 10% discount.

“Jewelry are among the best investments anybody could have. It's a smart purchase since it’s a physical and tangible asset that is readily available, especially during emergencies. Apart from that, gold jewelry can also withstand inflation and a superior performer in times of economic instability,” Cebuana Lhuillier president and CEO Jean Henri Lhuillier said.

“We want to encourage everyone to take this opportunity to start investing now and buying gold is one of the many ways they can build a better future. Here in Cebuana Lhuillier, we want our kababayans to have access to affordable and authentic pieces of jewelry. They’re more than just a woman’s best friend, they’re everyone’s best investment,” Lhuillier added.

Take advantage of the nationwide sale and spend your holiday bonuses wisely by securing your future while collecting choice pieces.

To know more about the latest offers and get the best deals for the Black Friday Sale, go to Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium Facebook pages.

World Savings Day | More Pinoys recognize the value of saving money.

More than two years after the spread of the COVID-19 pandemic, Filipinos raring for a restart actually improved their mindset towards saving money, according to a recent survey by the Bangko Sentral ng Pilipinas (BSP).

This is a welcome development, considering that 34% of the population lost their source of income during pandemic years, based on a survey conducted by the United Nations Development Programme. As a result, many have relied entirely in their savings account in order to survive the last two years.

According to the BSP’s Consumer Expectations Survey for the first quarter of 2022, the percentage of household with savings increased marginally at 31.1 percent from 30.2 percent in Q4 of 2021.Majority of the respondents cited the need for emergencies, health and medical expenses, retirement, education, and business capital and investment as reasons to save their money.

A big help in this increase in mindset and enthusiasm is the availability of more options to save money, aside from traditional banking institutions.

Cebuana Lhuillier makes life easier and dreams come true with Micro Savings

One of the most innovative means to save is through Cebuana Lhuillier Micro Savings. Launched in 2019 by Cebuana Lhuillier and its banking arm Cebuana Lhuillier Bank, this product has been in the forefront of bringing easy, accessible, reliable banking to majority of Filipinos, with close to seven million micro savings account holders today.

“Cebuana Lhuillier Micro Savings empowered millions of Filipinos to embark on their very own financial journeys by giving them a reliable, accessible, and efficient way to save their money, which they can easily withdraw during times of need. The quick adaptation of our kababayans to micro savings proved that the healthy mindset towards saving has always been there, as long as they are equipped with the right tools,” says Jean Henri Lhuillier, president and CEO of Cebuana Lhuillier.

Cebuana Lhuillier Micro Savings—which allows customers to open an account in any of over 3,000 Cebuna Lhuillier branches nationwide for as low as only P50—was introduced as a means to address the barriers to saving, including lack of accessibility, high maintaining balance, and the need for numerous documentary requirements to open an account.

With businesses and the rest of the country slowly getting back to normal, Cebuana Lhuillier Micro Savings remained a go-to product for many of our kababayans ready to resume their lives and dreams following two years of uncertainty.

James Tan, 18 years old, a working student from Laguna,
who easily managed to save with Micro Savings to buy his own bike

For James Tan, an 18-year-old working student from Sta. Rosa, Laguna, saving meant enjoying the added mobility, safety, and convenience of having his own bike, a useful tool for his daily commute between work and school.

“Gusto ko kasi magka-bike kasi sapamasahe pa lang, malaki na matitipid ko papunta sa school at sa trabaho. So, yung paunti-unti kong pag-iipon sa Cebuana, ginamit ko yun para mabili yung pangarap kong bike. Hindi na ako nata-trapik o nale-late sa trabaho ngayon,” he shares.

(“I want to own a bike because I can save so much on fares commuting to school and work. So that’s why I saved with Cebuana enough to buy my own bike. Now I don’t get stuck in traffic and come to work late.”)

As a working student helping to support his family, James decided to continue his savings after buying the bike to also help augment the expenses from home.

Royce Jason Velez, a 36-year old construction worker
who saves using Cebuana Lhuillier Micro Savings account
to provide a better future for his family

The need to provide a better future for their family is also why Royce Jayson Velez, a 36-year-old construction worker, decided to open a Micro Savings account. Earning an average of P400 per day, Royce and his wife needed to be creative in order to stretch his salary to last until the next payday. His micro savings carried the family during difficult times, and are now being allocated for the schooling of his children.

“Sabi ko sa sarili ko, ipagpapatuloy ko ang ipon ko para magamit ng mga anak ko sa pag-aaral at balang araw, magkaroon sila ng magandang trabaho,”Velez shares.

(“I said to myself that I would continue saving so that I can send my children to school for them have good jobs in the future.”)

A former kasambahay, Carie Labro, 38-years old,
was able to put up her own sari-sari store
using Cebuana Lhuillier Micro Savings

For Carie Labro, a 38-year-old former housekeeper, her micro savings paved the way for her micro entrepreneurship. When her kids started asking for more time to spend with her, Carie decided to take a leap of faith and resign from her post as a housekeeper so she could be more present for her growing kids.

With the PHP10,000 she initially saved in her Micro Savings account, Labro opened a small store which she now maintains as her main source of income. Like Velez, she has vigilantly kept up with her micro savings. She now saves part of her earnings in her account as an emergency fund for her and her kids.

Taking advantage of the renewed interest in saving, Cebuana Lhuillier Bank continues to push for accessibility and convenience for their breakthrough product. The two-time Asian Banking & Finance Award winner for Rural Bank of the Year has adapted an innovative approach by adapting more tech features for micro savings.

“The success of Cebuana Lhuillier Micro Savings encouraged us to further push the envelope in bringing convenience, accessibility, reliability, and efficient banking to our clients. The change in how people access financial services nowadays served as our push towards digitalization,” said Cebuana Lhuillier Bank President Dennis Valdes.

Aside from Cebuana Lhuillier branches, micro savings accountholders can also withdraw cash anytime, anywhere in over 21,000+ BancNet ATMs nationwide, purchase online thru UnionPay merchants worldwide, enjoy 24/7 unlimited banking access with the eCebuana app, and make cashless payments in over 350,000 UnionPay and BancNet accredited stores nationwide.

It’s raining affordable jewelry with Cebuana Lhuillier’s “Rainy Day Gold Rush Sale”!

Buying and collecting gold jewelry go beyond aesthetics nowadays. With the value of gold continuously on an upswing and even expected to outweighs inflation risks (source), now is the best time to buy jewelry. It’s an investment that you can use for your personal enjoyment, as well as a dependable source of cash in times of emergency.

Cebuana Lhuillier is giving its loyal clients and general public another taste of its widely-anticipated jewelry sales with the announcement of its “Rainy Day Gold Rush Sale,” set to take place from July 13 to 19.

The country’s most trusted micro financial services company is offering discounts of 10% off plus up to 50% off for selected jewelry available in more than 3,000 branches nationwide. Meanwhile, clients can enjoy discounts up to 25% off when they purchase in any of Cebuana Lhuillier Jewelry Premium (CLJP) and Just Jewel branches nationwide.

Jean Henri Lhuillier, Cebuana Lhuillier president & CEO, has always encouraged the public to take advantage of gold sales in order to build a sizable investment that can serve as back-up during times of emergency. “Unlike high-end gadgets, gold jewelry will never lose its value over time. Instead, it will serve as a good source of emergency fund during times of need. Buying jewelry will always serve as a wise purchase,” he adds.

Contrary to the usual, pawnshops are also good source of jewelry. Buyers are assured on the quality and authenticity of the items purchased, especially since all the items offered have been thoroughly appraised.

Discounts can also be enjoyed in any of CLJP’s online presence: through the official website of Cebuanalhuillierjewelry.com and any e-commerce platforms such as Shopee, Lazada, and Zalora, where all items available at a 10% discount.

For more information, go to www.cebuanalhuillier.com or visit https://www.facebook.com/cebuanalhuillierpawnshop.

Cebuana Lhuillier empowers clients the full online experience with the launch of ultimate micro financial app, Cebuana Xpress.

Cebuana Lhuillier, the leading micro financial services provider in the Philippines, launched Cebuana Xpress (CebX), a digital app set to revolutionize the local micro financial services industry in the country. CebX aims to provide the full Cebuana Lhuillier experience to its clients in one single platform, making pawning and money transfer transactions easier and more convenient.

The app allows clients to do pawning transactions online, wherever they may be. This includes services like New Pawn, Pawn Renewal, and Pawn Redemption. Ka-Cebuanas may also check real-time and accurate appraisals and use the app’s nationwide delivery service for pawn redemption transactions.

The app’s full money transfer service capabilities allow clients to send and receive money, pay bills, load eWallets and Globe and Smart sim cards, as well as do cash-in and cash-out transactions.

“We continue to revolutionize the micro financial services industry with Cebuana Xpress, our ultimate micro financial app, offering our clients with the utmost and convenient pawning experience. This digital platform was especially developed to respond to the changing needs of our clients who call for a streamlined, more convenient, and more accessible way to access our pawning services,” Cebuana Lhuillier President & CEO Jean Henri Lhuillier said.

“CebX remains part of our financial inclusion mission. We do this by providing Ka-Cebuanas with digital channels and solutions that only responds to their changing needs and lifestyles, but also puts focus on the importance of accessibility and convenience as essential tools in empowering a nation of financially-included Filipinos,” Mr. Lhuillier added.

To get the most of the app’s features, CebX users may be verified using their existing pawn ticket number and 24k card number. First-time users can be verified by registering via eKYC (electronic Know Your Customer). Verified app users will be eligible to a free one-month insurance coverage and earn 24k loyalty points when pawning using the app.

To celebrate the launch of the app, Cebuana Lhuillier is waiving all service fees for pawn renewal and domestic money remittance transactions made via CebX app. Sending money from one CebX account to another will also be free of charge.

“Cebuana Xpress is part of Cebuana Lhuillier’s transition as a fintech power player. By making use of the technology available and by introducing apps like CebX, we ensure that we keep up with the times and provide innovative financial solutions to everyone, anytime and anywhere they need it,” Senior Vice President, Chief Information Officer, and Head of Product Management Group, Ergie Ong concluded.

With more and more Filipinos relying on digital platforms for their everyday needs, CebX serves as Cebuana Lhuillier’s response in raising the bar in the microfinancial services industry. Truly, anytime and anywhere, Cebuana Lhuillier is there.

CebX is available for download on Google Play and App Store. For more information, visit www.cebuanaexpress.com.

Protect Lives and Livelihood with These Easy Fire Prevention Tips and with Cebuana Lhuillier ProtectMax.

In the first two months of 2022 alone, the Bureau of Fire Protection (BFP) announced that fire incidents have already increased by almost 13% compared to the same period last year. In addition, back in 2020, data from BFP also showed that open flame due to torch, unattended cooking, and electrical connections are the main causes of fire accidents.

Like other threats and risks of loss in any unfortunate events such as natural calamities, impacts due to fire and negligence mishaps, thousands of lives and millions up to billions worth of properties are being lost every year, and the need for a financial tool arises to make financial impacts less severe.

“Damage caused by fire is insurmountable. It affects the lives and livelihood of many Filipinos, regardless of their economic status in life. Unfortunately, our kababayans in the marginalized sector can experience bigger risk and more profound impact. Backed by our commitment for financial inclusion, we also want common Filipinos to be able to afford protection and security as a part of their financial plan. It is crucial that they have access to basic security requirements to cushion the blow of disasters that may happen,” Cebuana Lhuillier CEO and President, Jean Henri Lhuillier said. 

As the country observes the annual Fire Prevention Month, here are some tips from the BFP to make sure that your house is safe from fire:

1. Unplug appliances when they are not in use

Unplugging items when not in use not only reduces your electricity consumption but also cuts down the chances of a fire. Excessive electricity flowing through appliances like TV sets, computers, and a lot more – or a possibility of power surge can be a source of conflagration. Make sure to always unplug your appliances when leaving the house.

2. Never leave flames or heated appliances unattended

Always be cautious of any excessive flames that you may use like lighting candles or cooking. Always keep an eye and one step ahead if anything goes wrong. Much better if you can install fire alarms or have fire extinguishers ready, nearby.

3. Keep flammable items away from things that can be a source of fire

Proper storage of different items and supplies can prevent a fire incident. Ensuring that flammable items are stored in the right place and are far away from a source of heat, can save you from a possible accident.

4. Declutter

Too many things cluttered in an area can give fire plenty of space to spread faster. By decluttering certain areas in your home, you’ll be able to minimize the risk of spreading fire, minimize your loss, and save your home in the event of a fire.

5. Check your electrical wirings regularly

Pay close attention to any visible faulty wirings. This can damage your appliances that can eventually lead to a fire incident.

Always remember that prevention is always better than cure. Knowing these fire prevention tips could save you and others from a devastating event.

“This Fire Prevention Month, it is important to raise awareness about fire safety and prevention. Apart from being ready when a fire incident happens, it is also important that common Filipinos have a safety net in case it happened. This is our main mission for our microinsurance product, ProtectMax. This product offers comprehensive coverage at a more reasonable cost,” First Vice President and Group Head of Cebuana Lhuillier Insurance Brokers Inc., Jonathan Batangan mentioned.

To lessen the risk brought by fire and other natural calamities, Cebuana Lhuiller offers ProtectMAX, an affordable microinsurance product designed for individuals aged 7 to 70 years old with Death Benefit, Accident or Sickness Emergency Cash Assistance, Accidental Dismemberment and/or Disablement, Murder, and Unprovoked Assault and Residential Fire Reconstruction cash assistance.

For as low as P50, get a total coverage value of up to P61,000.00. Each certificate is valid for four (4) months from the date of issuance and can be availed up to a maximum of 5 certificates per insured in a year.

To know more about Cebuana Lhuillier ProtectMAX, visit the nearest Cebuana Lhuillier branch or just log on to www.cebuanalhuillier.com. Avail ProtectMAX now in almost 3,000 branches of Cebuana Lhuillier, nationwide.

Let Love Sparkle with Cebuana Lhuillier Jewelry’s Special Valentine Sale!

Valentine’s Day is considered to be one of the most romantic days of the year. It is an extra special time to express your love and affection to your special someone! 

For many of us, giving gifts during the Valentine’s season is one of many ways to show how special someone is in our lives. The season of hearts can be nerve-racking for someone who really spends time thinking about a perfect gift for the perfect someone. Others might want to give a more unique present or would opt to do away with the usual heart-shaped chocolates and flowers.

If you are looking for ways on how to express your feelings for someone dear or you want to gift it for yourself as a way of loving and spoiling yourself, choose jewelry. It is something one can use and wear everyday and treasure for many years. They are considered to be powerful allies to win hearts, celebrate important events, or reward achievements.

“Jewelry is one of the most unique and special presents one can buy, regardless of age and sex. You can gift it to your special someone, to your friend or even to your parents. It’s that kind of a gift that captures the essence of making someone feel important, precious, and valued.”, CEO and President Jean Henri Lhuillier said.

Aside from these jewelry pieces being the perfect gifts for the season of love, this can also be a good investment throughout the years. Compared with the other presents you can give this February 14, jewelry can be meaningful and also practical.

This Valentine’s Day up to February 19, Cebuana Lhuillier, Cebuana Lhuillier Premium, and Just Jewels are holding a six-day Valentine’s Gold Rush Sale nationwide. Shop in over 2,500 Cebuana Lhuillier branches nationwide and avail discounts on all items. You can also shop online through Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium Facebook pages.

Get 10% off on all on all items and up to 50% off on selected jewelry items nationwide. Visit Cebuana Lhuillier, Just Jewels, or Cebuana Lhuillier Jewelry Premium branches nationwide or shop online via Cebuana FB Live Selling or cebuanalhuillierjewelry.com.

To know more about Cebuana Lhuillier’s Valentine’s Day Gold Rush Sale, go to the nearest Cebuana Lhuillier near you or just log on to Cebuana Lhuillier’s official Facebook page at www.facebook.com/cebuanalhuillierpawnshop or cebuanalhuillierjewelry.com.

Surviving the Pandemic with Cebuana Lhuillier Micro Savings.

The uncertainties that came with the global health pandemic led to financial stress that altered the lifestyle of many Filipinos. For close to two years since the global COVID-19 pandemic started, many lost their jobs and had to make do with what little savings they have stashed away.

A study titled, “State of Banking and Financial Wellness” commissioned by US-based research firm Forrester, indicated that more than half of Filipinos identified building their savings as one of their top concerns when it comes to personal finance.

The desire to have money safely stashed when rainy days come, is one that is shared by every Filipino—regardless of stature in life or the money they earn. When COVID-19 hit, majority of Filipinos were left without a stable means of livelihood as the strict lockdown badly affected the economy, leading to a significant number of business closures and an uncertain future for those engaged in the gig economy.

Photo credit: Olya Kobruseva on Pexels.

Stemming from its desire to push for financial inclusion for every Filipino, Cebuana Lhuillier Bank partnered with Cebuana Lhuillier, one of the country’s leading micro financial service providers, to introduce Cebuana Lhuillier Micro Savings in 2019. Cebuana Lhuillier Micro Savings provided Filipinos with an accessible and convenient means to save their hard-earned money by addressing the common barriers in saving, including lack of accessibility, the need for numerous documentary requirements, and the high cost of a starting and maintaining a balance.

“Our main priority is to be a one-stop shop for the micro financial needs of our kababayans. With our commitment of financial inclusion and mobility for everyone, Cebuana Lhuillier Micro Savings account is one of the great products we have created to empower many of our kababayans to save, regardless of their status in life,” Cebuana Lhuillier President and CEO Jean Henri Lhuillier said.

The promise of having money saved in times of need was what inspired Cebuana Lhuillier Micro Savings account holders Pillilia Pardo and Maria Luisa Luna to open a savings account and work hard to build a comfortable fund that they can rely on when needed.

Pillilia, a 79-year-old sari-sari store owner in Las Pinas, makes sure to deposit a fraction of her daily earnings into her micro savings account. With her store located right beside the Cebuana Lhuillier Casimiro branch, she has become a daily fixture for the branch personnel who assists her on her everyday transactions.

Pililia Pardo, a 79-year old sari-sari store owner from Las Pinas
and a loyal micro savings account holder, dreams of imparting
the value of savings to her children.

“Napakahalaga ng savings, kasi pag dumating ang pagkakataon na ikaw ay magigipit, kailangan mo ng pera. Kung mayroon kang ipon, anytime puwede ka makapag-withdraw,” shares the septuagenarian. When the pandemic hit, Pillilia used her micro savings account to augment her day-to-day expenses, which included medicines, food, utilities, and rent. When the lockdowns affected her store’s earnings, she was comforted by the fact that she did not have to resort to borrowing money in order to get by. “Hindi ka magsisisi kung nakapag-ipon ka…anytime nangailangan, nandiyan ang ipon ko. Mayroon akong magagamit,” she adds.

For Maria Luisa, it was her savings that literally saved her family in the midst of the strict Manila lockdowns. She earns her keep by collecting recyclables which she then sells in a junkyard. For over two years, even before the lockdown began, she would make sure that a portion of her earnings goes to her Cebuana Lhuillier micro savings account, which she intends to use during emergencies.

Maria Luisa Luna, a 64-year old garbage collector from Manila,
relied on her micro savings account when the pandemic badly hit her family.

“Hindi na kami makapangalakal nung naghigpit sa lockdown. Yung kinakain namin, halos galing na lang sa ayuda ng gobyerno pero hindi naman sapat yun. Nagkasakit pa ang anak ko. Hindi ko naman matiis na hindi maipagamot. Doon ko na naisip na gamitin yung ipon ko sa Cebuana Lhuillier Micro Savings. Tuwing may kailangan sa bahay, gaya nang pangkain at pang-renta, withdraw ako. Tapos pagpapagamot sa anak, withdraw ulit,” Maria Luisa shares. She admits that the protracted quarantine period had drained her savings, but now that everything is slowly going back to normal, she has also resumed building her emergency nest egg, visiting the Cebuana Lhuillier branch nearest her after a day of collecting recyclables and items to sell.

Since its launch, Cebuana Lhuillier Micro Savings has enabled more than 5.5M account holders to have a semblance of peace of mind in times of great need and emergencies. As a cash agent, Cebuana Lhuillier provided account holders with a reliable and highly accessible venue to deposit and withdraw their money in any of its 2,500 branches nationwide, anytime and anywhere.

In 2020, Cebuana Lhuillier Micro Savings was made even more accessible and convenient with the introduction of its new digital features.

“We’ve always believed that Cebuana Lhuillier Micro Savings should be able to evolve according to the changing needs of its users. By going digital, Cebuana Lhuillier Micro Savings is providing greater IPON POWER to its account holders, by providing them convenience and mobility in maximizing the use of their savings through digital channels,” Cebuana Lhuillier bank President, Dennis Valdes added.

May IPON POWER ka na with Cebuana Lhuillier Micro Savings!

Cebuana Lhuillier Micro Savings boasts of greater IPON POWER through the following features: withdraw cash in over 21,000+ BancNet ATMs nationwide anytime and anywhere; purchase online thru UnionPay merchants worldwide; 24/7 unlimited banking access with eCebuana app; and do cashless payments in over 350,000 UnionPay and BancNet accredited stores nationwide.

With more and more Filipinos slowly realizing the value of saving, Cebuana Lhuillier Micro Savings is gearing towards further improving its features to better provide its account holders with a dependable ally they can continuously rely on.

Protect Your Homes with Cebuana Lhuillier's Protect Max!

Cebuana Lhuillier Insurance arm strengthens Fire Prevention call, mounts webinar with BFP 

The damage of getting your house razed by fire is insurmountable; fires at home can break out anytime and anywhere and can damage livelihood, household appliances and more. In 2018, the Bureau of Fire Protection (BFP) recorded a total of 14,316 incidents of fire from January until December.

This is why every March is Fire Prevention Month in the Philippines, and BFP’s campaign for this month is safety consciousness among our people every day of the year as a positive preventive approach to a problem that can be solved by more caution, vigilance, sobriety, exercise of common sense and respect for the law. It is a campaign that focuses on exercising vigilance at home and keeping oneself knowledgeable on the best way to protect your home and family from destruction brought about by fire.

March is Fire Prevention Month.
(Mask, 2015)

“Cebuana Lhuillier has always committed to be of help to the Filipinos at all times, and our call for Fire Prevention is a reflection of that, our insurance products that aims to keep our clients protected at all times is a complementary effort to our advocacy for this month.” said Jean Henri Lhuillier, President and CEO of Cebuana Lhuillier.

PJ Lhuillier’s insurance arm, the Cebuana Lhuillier Insurance Brokers, Inc (CLIB), has also expressed its support for BFP’s campaign through the years. It has been a staunch advocate of having Filipinos insured, posting almost a 35% contribution to the total number of insured Filipinos through microinsurance.

CLIB has also worked together closely with the Insurance Commission in promoting microinsurance in the country; they have settled over more than 5,300 million claims worth over Php 500 million, and  they have serviced over 16,500 claimants. Cebuana Lhuillier Insurance Brokers’, Inc. is also the first and only ISO-certified insurance broker in the Philippines.

Panalo sa Protect Max Promo!

Also launched this month in conjunction with the celebration of the Fire Prevention Month is a promo dubbed “Panalo ka sa ProtectMax” where clients of the ProtectMax product of CLIB get a chance to win Php 25,000. The promo is open to all clients who will purchase 5 ProtectMax COCs; these 5 COCs are equal to e-raffle entry. For the promo, 20 lucky raffle winners will be selected and will win Php 25,000.

“This Fire Prevention month, it is very important to drumbeat awareness on fire safety and prevention, and the importance of being protected. CLIB believes that an information and education drive is very important to ensure that everyone is well-informed against conflagration.” said Cebuana Lhuillier Insurance Brokers’ Inc., Jonathan Batangan.

For clients who are interested to keep themselves protected without having to go to Cebuana Lhuillier’s more than 2,500 branches, they may purchase Home Insurance via the ProtectNow app or website. Just log on to protectnow.com to see CLIB’s full range of products online. They’ve also mounted the #SunogFreeWorryFree: ProtectMax Kontra Sunog webinar which aims to highlight the importance of being ready for untoward situations especially fire, and the importance of having protection whenever there are threats of conflagration.