I notice a lot of posts concerning insurance and medical service and even some other industries and the main concern is bad service. I may have a perspective on that. Before we were married my wife worked for one of the major life insurance companies based in Cebu. In the six months or so that se "worked" for them she was never given a salary, she was given expense money and told to accumulate points for a future salary(commission). She is the one who solely brought the company to Dumaguete. She set up the office, hired staff, and trained new insurance agents. Even the "secretary" that was brought in had a salary while my wife did not. I can't blame her for finally quiting. I would have after the first week. Apparently it is this promise of income that keeps many Philippino staff in place but that is a fragile existance for sure. No wonder graft and indifferance predominate in the work force. Maybe others have similar experiences to share. All I can say is that is a sad way to do business. May the buyer beware!