You’re paying a lot for your insurance plans—often six figures a year—but for what exactly?

Too many high-performing Filipino professionals are overpaying for underpowered coverage: a thick stack of policies with high fees, unnecessary riders, and vague benefits. Premiums add up fast, while the actual protection can be thin, redundant, or misaligned with your life today.

In Episode 2 of the Optimization Deep Dives series, we add the defense layer: insurance—so your plan is protected without bloated premiums quietly stealing from bigger goals.

This episode walks you through the same insurance audit we use with clients to make cost finally match coverage—with a simple, executive-level process that replaces confusion with clarity.

In this episode, you’ll learn:

• Why insurance “policy clutter” happens to high earners over time
• Beacon’s lens: Minimum Effective Coverage (pay only for protection that moves the outcome)
• The 3 rules that keep your setup honest:
  1. Separate protection from investing
  2. Judge by coverage per peso (Benefit-to-Premium Ratio)
  3. Plan first, product last
• The 5-step Insurance Audit you can run in one focused session:
  Gather → Map → Check → Decide → Estimate & Reallocate
• How to label policies Green / Amber / Red (Keep / Upgrade / Drop)—plus the safety rule before any exit

Watch the video version on YouTube ➡️ https://youtu.be/-g-n1wE9WB4

► FREE PDF — The Insider’s Insurance Audit Playbook: A one-hour checklist to help you audit what to keep, upgrade, or drop—without losing protection—and free up cash you can redirect to your priorities ➡️ https://beaconwealth.ph/free-guide-insurance-audit-playbook/

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Chat with us on Messenger — you can start the conversation by messaging or commenting “BFM” ➡️ https://m.me/beaconwealthph

Book a Discovery Call with a Beacon coach ➡️ https://beaconwealth.ph/schedule

Subscribe on YouTube: https://www.youtube.com/@beaconwealthph
— or listen to the Beacon podcast on major podcast platforms (search Beacon Wealth PH).