Last updated September 5, 2026
These terms cover your use of this website, including the Coverage Reality Check and any consultation you book through it. By using the site you accept them. If you do not, please do not use it.
This website is operated by Mark Pacardo, an insurance advisor licensed with the Insurance Commission of the Philippines and a Branch Manager independently affiliated with FWD Life Insurance Corporation (not an FWD employee). Contact: [email protected].
The Coverage Reality Check is informational only. It is not insurance advice, financial advice, or a professional assessment of any policy you hold.
It's a short set of questions about how you feel about your coverage. Your result is calculated from those answers alone. Nobody reads your actual policy document to produce it, because the quiz never asks for one.
That means your result can only ever be as accurate as the answers you give, and it can be wrong about your real situation. It does not recommend any specific product, does not value or rank your existing policies, and is not a substitute for a consultation with a licensed advisor who has actually seen your documents.
Nothing on this site creates an advisor and client relationship on its own. That begins only when you and Mark agree to work together.
Please give accurate details when you complete the quiz or book a call, your results and any later conversation depend on it.
Several insurers are named and their marks shown to indicate that a review is not limited to any one company. Those names and logos belong to their respective owners and their appearance does not mean endorsement or affiliation, except FWD Life Insurance Corporation, the one company whose products Mark offers. His review of other insurers' policies is independent of that relationship.
The text, design, and images here belong to Mark Pacardo or are used with permission, for your personal use only, not for republishing or commercial use. Links to other websites are for convenience; their content isn't our responsibility.
This site is provided as is, with no guarantee it's always available or error free. To the fullest extent Philippine law allows, no liability is accepted for decisions made based on the Coverage Reality Check alone, except where the law doesn't allow that limit, such as fraud or negligence causing injury.
What is collected and how it is handled is set out in the Privacy Policy, which forms part of these terms.
These terms may be updated. The current version always appears on this page with its date at the top, and continuing to use the site after a change means you accept the updated version.
These terms are governed by the laws of the Republic of the Philippines.
Email [email protected].