A thoughtful, powerful life insurance plan designed for families
who care for children with special needs.
"What will happen to my child if something happens to me?"
Who will continue their therapy, education, and daily care?
This isn't easy to think about... but it's something we can plan for —
thoughtfully and responsibly.
Many families rely on daily income to support their child's unique needs.
Without a plan, everything can stop without warning.
Therapy stops
Progress built over years can suddenly halt.
Education affected
Special programs become uncertain or lost.
Daily care uncertain
Who will provide consistent, loving support?
A calm, no-pressure chat about your family's situation and needs.
I'll find the right plan that fits your budget and goals perfectly.
Your child's future is secure — whatever life brings your way.
Hindi lang para sa future ng anak mo...
kundi para siguradong may sasalo sayo pagtanda mo.
Para sa buong pamilya. Para sa tunay na kapayapaan ng isip.
Your child's therapy, education, and daily needs continue to be funded — even when income stops.
Special education programs and support services stay intact no matter what happens.
Ensure your child has access to caregivers and professionals they trust and rely on daily.
Many plans include a cash value that grows over time — a financial foundation for the future.
Live and love more fully, knowing your child is protected if the unexpected ever happens.
Protect your spouse or partner too — so the whole family is covered, not just one person.
These are starting points — your actual plan will be tailored to your family's unique situation.
Entry Protection
Starting coverage for young families
Complete Coverage
The most popular choice for parents
Premium Coverage
For families who want the full safety net
*Sample plans only. Actual premiums and benefits depend on age, health, and insurer. Contact Rubie for a personalized quote.
Maria T.
Mom of a 7-year-old with autism
"Rubie made the whole process so easy to understand. For the first time, I feel like my son's future is truly secured. She genuinely cares — it's not just a sale."
Ramon & Lisa G.
Parents of two children with special needs
"We were overwhelmed before talking to Rubie. She listened, explained everything clearly, and found us a plan that actually fits our budget. Highly recommended!"
Rubie
Mom • Financial Advisor • Advocate
I'm not just a licensed financial advisor — I'm also a parent of a child with special needs.
I understand the sleepless nights, the endless planning, and the love that drives us to protect our children's future.
My mission is simple: Help families like ours feel secure, prepared, and at peace.
Yes! Your child can absolutely be named as a beneficiary regardless of their diagnosis. We can also structure the plan to work with a trust or guardian arrangement to ensure proper management of funds.
That's completely okay. We have plans starting as low as ₱500/month. The most important thing is to start — you can always upgrade your coverage later as your budget grows.
The plans I recommend are specifically structured with special needs families in mind — including riders for disability, long-term care, and structured payouts that protect government benefits eligibility for your child.
Most applications can be submitted within a week of our first conversation. Coverage can begin as soon as your first premium is paid. I'll guide you through every step.
No pressure. Just a calm, helpful conversation to find what's right for your family.
Message Rubie Now