Mary Ann Ung - Licensed Financial Advisor

𝐆𝐚𝐬𝐭𝐨𝐬 𝐥𝐚𝐧𝐠 ’𝐲𝐚𝐧… 𝐔𝐧𝐭𝐢𝐥 𝐈𝐭 𝐒𝐚𝐯𝐞𝐝 𝐌𝐲 𝐅𝐚𝐭𝐡𝐞𝐫

**𝙇𝙊𝙉𝙂 𝙋𝙊𝙎𝙏 𝘼𝙃𝙀𝘼𝘿**

𝙂𝙖𝙨𝙩𝙤𝙨 𝙡𝙖𝙣𝙜 ’𝙮𝙖𝙣.

He said it casually—almost dismissively, as if it were something we could always put off. I remember nodding when my father said it back in 2021: “I don’t believe in insurance. Gastos lang ’yan.” At the time, it felt like just another objection. Another conversation I’d eventually revisit. I never imagined those words would echo back to me years later—𝗹𝗼𝘂𝗱𝗲𝗿, 𝗵𝗲𝗮𝘃𝗶𝗲𝗿, 𝗮𝗻𝗱 𝗽𝗮𝗶𝗻𝗳𝘂𝗹𝗹𝘆 𝗶𝗿𝗼𝗻𝗶𝗰.

This morning, as I was scrolling through my phone, a photo surfaced from my memories—a document dated December 19. 𝘈 𝘴𝘪𝘯𝘨𝘭𝘦 𝘱𝘪𝘦𝘤𝘦 𝘰𝘧 𝘱𝘢𝘱𝘦𝘳 𝘵𝘩𝘢𝘵 𝘤𝘢𝘳𝘳𝘪𝘦𝘥 𝘮𝘰𝘳𝘦 𝘸𝘦𝘪𝘨𝘩𝘵 𝘵𝘩𝘢𝘯 𝘢𝘯𝘺 𝘢𝘸𝘢𝘳𝘥, 𝘢𝘯𝘺 𝘵𝘪𝘵𝘭𝘦, 𝘢𝘯𝘺 𝘮𝘪𝘭𝘦𝘴𝘵𝘰𝘯𝘦 𝘐’𝘷𝘦 𝘦𝘷𝘦𝘳 𝘢𝘤𝘩𝘪𝘦𝘷𝘦𝘥.

In 2021, my father was busy living his life. An academic leader. A man with deadlines, meetings, responsibilities. Always in motion. Every time I tried to talk to him about health protection, he’d smile and say, “𝘽𝙪𝙨𝙮 𝙖𝙠𝙤, 𝙣𝙖𝙠. 𝙉𝙚𝙭𝙩 𝙩𝙞𝙢𝙚 𝙣𝙖 𝙡𝙖𝙣𝙜. 𝙊𝙧 𝙨𝙖 𝙬𝙚𝙚𝙠𝙚𝙣𝙙 𝙥𝙖𝙜 𝙛𝙧𝙚𝙚 𝙖𝙠𝙤.” Weekend would come. Then another meeting. Another commitment. Another next time. I learned early on that postponement often sounds harmless—until life decides it won’t wait anymore.

When we finally sat down and I explained everything, he listened patiently. Then he laughed softly. “𝘏𝘦𝘢𝘭𝘵𝘩𝘺 𝘯𝘢𝘮𝘢𝘯 𝘢𝘬𝘰. 𝘏𝘪𝘯𝘥𝘪 𝘬𝘰 𝘬𝘢𝘪𝘭𝘢𝘯𝘨𝘢𝘯 ’𝘺𝘢𝘯.” He wasn’t arrogant. He was hopeful. Like most parents are. I kept trying—not because I wanted a sale, but because somewhere deep inside me, a quiet fear lived: 𝙒𝙝𝙖𝙩 𝙞𝙛 𝙨𝙤𝙢𝙚𝙩𝙝𝙞𝙣𝙜 𝙝𝙖𝙥𝙥𝙚𝙣𝙨… 𝙖𝙣𝙙 𝙄 𝙙𝙞𝙙𝙣’𝙩 𝙩𝙧𝙮 𝙝𝙖𝙧𝙙 𝙚𝙣𝙤𝙪𝙜𝙝? By December 2021, he finally agreed. I remember feeling relieved, but not triumphant. Just… at peace.

June 2024 came quietly. My father had just returned from a long vacation in the US after retiring. He looked lighter, happier, rested in a way I hadn’t seen in years. But in the background, there was a cough. Intermittent. Nothing alarming at first—we both assumed it was his asthma acting up, just like mine since childhood. The cough would disappear once he took his asthma medications, so we thought nothing of it. Weeks passed. One month. Then another. We told ourselves it was nothing. We always do—until it isn’t.

Then October arrived. One night, he couldn’t breathe properly. We rushed him to the hospital. The CT scan showed both lungs filled with fluid—𝘱𝘭𝘦𝘶𝘳𝘢𝘭 𝘦𝘧𝘧𝘶𝘴𝘪𝘰𝘯. The doctors drained it and sent samples for biopsy, just to be sure. After that, he felt better. We convinced ourselves it was behind us. We were wrong.

Three weeks later—still recovering from the chaos left by typhoon Kristine—my father came home holding an envelope from the Lung Center of the Philippines. He didn’t say much. He didn’t have to. He handed it to me. “𝘐𝘬𝘢𝘸 𝘯𝘢 𝘮𝘢𝘨𝘣𝘢𝘴𝘢, 𝘯𝘢𝘬.” My hands trembled as I opened it. The room felt suddenly smaller. 𝗠𝗲𝘁𝗮𝘀𝘁𝗮𝘁𝗶𝗰 𝗮𝗱𝗲𝗻𝗼𝗰𝗮𝗿𝗰𝗶𝗻𝗼𝗺𝗮 𝗼𝗳 𝘁𝗵𝗲 𝗹𝘂𝗻𝗴..

As a nurse with a background in oncology, I knew the language. I knew the staging. I knew the implications. But none of that mattered in that moment. Because knowing something clinically and carrying it emotionally are two very different things. I chose my words carefully. I told him we’d see an oncologist. That we’d take it step by step. I didn’t tell him what Stage IV meant—not yet. I wasn’t ready. And maybe neither was he.

We traveled to Manila the next day. I watched my Dad sit across from the oncologist—listening, nodding, absorbing a reality he never imagined for himself. I stayed composed. But inside, I was breaking. Still, I made sure he never saw that. 𝘉𝘦𝘤𝘢𝘶𝘴𝘦 𝘴𝘰𝘮𝘦𝘵𝘪𝘮𝘦𝘴, 𝘴𝘵𝘳𝘦𝘯𝘨𝘵𝘩 𝘪𝘴 𝘴𝘪𝘮𝘱𝘭𝘺 𝘴𝘵𝘢𝘺𝘪𝘯𝘨 𝘱𝘳𝘦𝘴𝘦𝘯𝘵.

When all his series of tests and diagnostic work-ups were done, I shifted roles again—

𝗦𝗼𝗻. 𝗡𝘂𝗿𝘀𝗲. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗮𝗱𝘃𝗶𝘀𝗼𝗿.

I gathered documents. Filled out forms. Followed up relentlessly. Weeks passed. Nakakapagod. But I never complained. This was my father.

Then came the message.

CLAIM APPROVED.

I stared at my phone longer than I needed to—not because I couldn’t read it, but because I couldn’t believe it.

In five years as a financial advisor—after all the rankings, recognitions, and milestones—𝗺𝘆 𝗳𝗶𝗿𝘀𝘁 𝗺𝗮𝗷𝗼𝗿 𝗰𝗿𝗶𝘁𝗶𝗰𝗮𝗹 𝗶𝗹𝗹𝗻𝗲𝘀𝘀 𝗰𝗹𝗮𝗶𝗺 𝘄𝗮𝘀 𝗺𝘆 𝗼𝘄𝗻 𝗳𝗮𝘁𝗵𝗲𝗿’𝘀. I don’t think anything will ever compare to that moment. When I handed him the check, he smiled. Not because of the money—but because someone had taken care of him. Because I had.

I think about that line often now. “𝘎𝘢𝘴𝘵𝘰𝘴 𝘭𝘢𝘯𝘨 ’𝘺𝘢𝘯.” It turns out, it wasn’t. It was time. It was dignity. It was the ability to focus on healing instead of worrying.

Insurance didn’t change my Dad’s diagnosis. But it changed how we lived through it. And sometimes, that makes all the difference.

This is why I do what I do. Not because I know the statistics. Not because I’ve seen cancer in hospital rooms. But because I’ve seen it at home. Because love, when translated into preparation, becomes protection.

And on December 19, that protection showed up for my family 💛

You spend more on worry than on protection.​

Sleepless nights, constant stress, and endless what-ifs, worry takes more than you think.​

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While others spend freely on things that fade, you chose to secure what truly matters: your family’s peace of mind.

Being insured isn’t just about money. It’s about responsibility, love, and foresight. You’re not just planning for yourself. You’re protecting your future and the people you care about.

Tuloy mo lang yan. Someday, you’ll thank yourself for this decision.
Protect your future today. Start with a plan that truly fits your goals.

Disasters and emergencies are unpredictable - that's why it's important to be prepared! 🫡

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