Kris Tan is one of those advisors. Combining empathy and expertise, Kris empowers her clients to navigate their insurance -- choppy waters, new mobile apps and all – with confidence and grace.

Madaling magbenta ng insurance," Kris explains, "but our job isn’t complete until our clients have claimed. Standing by them through thick and thin, ensuring they get their benefits—we uphold that promise for life. Dito, ang usapan totoong buhay. Makikita mo masaya sila. Makikita mo na ‘yung pangarap nila for their family, natutupad.”

A full-time mom who joined FWD shortly before the pandemic, Kris's passion to help others blossomed from a desire to secure her own family's future. For her – and for us – insurance is about more than numbers. In a few short years, Kris has become a trusted financial ally, helping her clients find the best plans for them at every stage of life. 

An assurance of trust and commitment

One of Kris's most cherished clients is a 60-year-old caterer and proud lola, whose successful food business was hit hard by the pandemic. Down but not out, Kris’ client reached out to her.

“Nung pandemic, tumawag siya sa akin. Sabi niya, ‘Kris, this is already my last money, ‘no. My last money. Ano ba ‘yung advice na tingin mo dapat gawin natin sa pera ko?’ Immediately —nagbigay ako ng advice. ‘If you trust me this time, here’s what we’ll do…’” Kris recalled.

Kris advised her client to invest her last funds in FWD All Set Higher investment-linked insurance. It was the right call. Lola’s funds grew by an impressive 53%, and there was every reason to keep the investment.

But after just seven months, her client’s husband was hospitalized. She called Kris for help to withdraw part of her funds.

“FWD’s plan is really designed to grow your money over time,” Kris says. “But kung kailangan mo talaga, there’s still liquidity. In her case, mabilis lang. In-expect ko seven to ten days. Pero nung nag-fill up kami ng withdrawal form, three days pumasok na sa bank account niya ‘yung proceeds,” said Kris.

The client’s trust was rewarded. Her “last money” had earned enough to pay both the hospital bill and some business loans. When their kids treated the family to a trip to Japan, lola and her husband brought their own pocket money for anything they needed.

Now, Kris’ client regularly sets up meetups between Kris and her loved ones, urging them “Makinig ka kay Kris. Ngayong kumikita ka na, habang bata ka, simulan mo.”

She even encourages Kris to share her story. “Kris, baka gusto mo ikwento kung paano mo ako tinulungan. Ako, I trust you. Para makuha mo rin ‘yung tiwala nila sa’yo, ikwento mo lang paano natin siya ginawa. Baka makatulong din sa kanila.”

Promises made

Kris’ story is just one of many where FWD financial advisors transform lives. That’s because for us, the promise of insurance goes beyond peace of mind. It’s having a partner you trust, who’s here anytime to help turn small moments into big reasons to celebrate living no matter what.

With many clients in their retirement years, Kris is often described as an "angel"— a testament to her dedication to their financial success. 

“Dapat (kapag) magretire ka, tuloy-tuloy. Na nae-enjoy natin ‘yung gusto natin. And we have the power to decide to live based on our own terms,” Kris declared with great conviction.

Promises kept

Kris shares her clients’ vision of a comfortable, secure retirement. "Financial planning," she explains, "is about being prepared for life's uncertainties. How ready are we financially for situations like a pandemic?’ Dapat dito, we celebrate peace of mind na nae-enjoy natin kahit may mga possible na kinakatakutan tayo. Alam mong meron kang tao, meron kang bagay, meron kang perang masasandalan. So we could enjoy life, enjoy the moments na naka-focus lang tayo sa family natin,” elaborated Kris.

For Kris, "Celebrating Life" with FWD isn't just about earning. It’s about working together with clients, and the fulfillment of seeing families grow in security and financial freedom.

“So ‘yun, yung tingin ko na with FWD, it’s just not trusting our financial advice… It’s being at peace with the person you choose to collaborate with, to help you with the financial solutions na kailangan mo, not just today. For tomorrow and for forever. Hopefully, may forever dito,” she says warmly with a smile. 

Our cards say “Advisor”, but financial advice is just the start. For Kris and all of FWD, the win is each client’s trust. With our company a newer name than others, we work harder to keep that trust and prove our commitment. We’re here for life, yours and ours. Trust us on that.

Exploring insurance plans from FWD is a smart step towards securing your financial future. With a range of options tailored to meet diverse needs, FWD offers insurance coverage that can protect you and your loved ones from unexpected financial burdens. Whether you're looking for health, life, or investment opportunities, FWD's plans are designed to provide peace of mind and financial stability. By taking control of your financial freedom now, you can ensure that you're prepared for whatever life throws your way. Take the first step. You'll thank yourself later for making this wise decision.

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