Insurance is one of the few things people pay for hoping they will never need to use it. Its value stays invisible, quietly present, never felt – until the moment it isn’t.

For Ella Orate, a single mother and FWD Set for Health policyholder, that moment came. She is currently on the road to becoming cancer-free. Her story is now on film – and FWD is sharing it this Women’s Month, because it belongs to every Filipino who has ever wondered whether their insurance would actually be there.

For the women who carry everything

Single mothers occupy a particular place in the Filipino family – provider and protector at once, with little to no margin for the unexpected. When a serious illness strikes, it is never only their crisis. It reaches everyone who depends on them.

This Women’s Month, as the Philippines honors Filipino women under the theme “Lead Like the Babaylans, Filipinas!”, Ella’s story is a quiet, powerful reminder: that taking care of yourself is how you take care of everyone else.

The benefit you hope you never have to see

What a claim makes possible is rarely talked about in insurance. The policy is sold. The premium is paid. And then life goes on, and the protection works in the background, invisible and untested.

What Ella’s claim made possible was the freedom to focus entirely on getting better — without having to carry the financial weight of a crisis on top of the personal one. “At FWD, our purpose goes beyond insurance. It is about being there for Filipinos in the moments that matter most. That is what protection is for.” shares Gavin Lai, FWD Chief Marketing and Digital Commerce Officer. You can watch Ella’s story here: https://www.facebook.com/share/v/14b4SqmSLT4/ 

About Set for Health

FWD Set for Health is a critical illness insurance plan designed to provide financial protection when health matters most. It offers coverage for major critical illnesses, allowing customers to claim up to three times for unrelated conditions. Upon diagnosis of a major critical illness or total and permanent disability, future premiums are waived, giving policyholders the financial freedom to focus on recovery when it matters most. The plan also provides additional coverage for minor critical illnesses and returns 100% of premiums paid if no major claim is made by age 75 — offering protection with longterm value. You can learn more about Set for Health here: Set for Health Critical Illness Insurance | FWD Life PH