We all know that sticking to what’s traditional is safe. It actually is. It is because you follow certain rules and you stick to how the game is played. It delivers safe results and of course, you won’t have others raising their eyebrows on you. You’ll just be like everyone else. One among many. But hey, you’re in the safe zone.

But what if you bend the rules just a little bit? Let’s say for non-life insurance. This type of industry has always been deemed as old-school, uptight, laborious and tedious. Why? Because it always by the book. You need your insurance? Scour all the necessary documents then try to claim. If they do not see any loopholes, you’re lucky that you’ll get what’s yours right away.

It also goes for non-life insurance products. Some may be able to tweak their own but only up to a certain extent because the traditional companies are always afraid to have losses.

Sad to say, no matter how big the organization is, you may lose the quality of your brand if you stick to the old mentality of non-life insurance. It’s time to shake things up a little.

What if we tell you that there is a non-life insurance company that is ready to take it up a notch? Put it like this: this company would want you to file your claim and they will be more than excited to give it to you? Yes. That company wants you to claim.

Also, no more gazzillion requirements. No more falling in line, red tape, numerous phone calls for rants and follow-ups. Just show your proof and that’s it. You get your claim. Simple.

Sounds crazy, right? You might be thinking “Who in the right frame of mind would want to do that? Good luck!” The answer is we do. We are AA Guaranty Assurance Co., Inc. or AAGA and we DARE TO BE DIFFERENT.

With that, we will leave you with a few words:

Something is about to go down.


Last 24th of October, AA Guaranty Assurance Co., Inc. (AAGA) has officially partnered with Maria Health, an online HMO provider whose advocacy is to cater affordable and quality healthcare for the under-served.  

Through this partnership, AAGA will be launching its Personal Accident Insurance with Pantawid Kabuhayan Package. A product that provides a livelihood package for the insured in case of accidental death and dismemberment. We also have our Kasama Sa Bahay Care which is a product that is aimed to cover Kasambahays against accidental death and dismemberment, permanent disability, death and daily hospital benefits. This product is created in line with the advocacy of AAGA and Maria Health to encourage in sharing the benefits of protection to our dear Kasambahays at an affordable price against accidental death and dismemberment, permanent disability, death and daily hospital benefits.

Because we at AA Guaranty believe that protection should not be complicated and must be within reach, why not partner with someone who can make these things happen with just a click of a button?

(L-R Standing: AAGA Vice President for Operations Mr. Alvin Dela Cruz, AAGA Business and Product Development Specialist Mr. Kevin Kyle Cadavis, AAGA Assistant Vice-President for Business Development Mr. Maurice S. Librea, Maria Health Head for Strategic Partnership and Solutions Ms. Tanushka Melwani, Maria Health Legal Counsel Atty. Paolo E. Abarquez,Maria Health Chief Information Officer Mr. Jarvi Celeres)

(L-R Sitting: Reliance Surety & Insurance Co., Inc. Chairman Mr. Andrew Dee Co, AAGA President and PIRA Chairperson Ms. Rebecca B. Dela Cruz & Maria Health CEO Vincent Lau)

Last November 12, 2018, AA Guaranty Assurance Co., Inc. has officially partnered with KEFA/SplitEx as its Digital Intermediary to ensure that AAGA’s innovative and on-demand non-life insurance products and services can easily reach the people who deserve the best protection. Protection made just right for them.

SplitEx is a Swedish based company and is operating in the Philippines through its local partner, KEFA Technologies Incorporated.

SplitEx has established strong connections with LGU’s which can help tailor non-life insurance products to that particular town.

For us, we are more than willing to work with a group who shares the same advocacy as ours: to understand and serve the underserved. Most importantly, a company who DARES TO BE DIFFERENT.

Know more about KEFA/SplitEx, you may visit their website by clicking on the link below:


L-R: Reliance Surety & Insurance President Mr. Andrew Dee Co, SplitEx CEO/Head for Asia Pacific Ms. Nicole Ann Ruebenfeldt & AA Guaranty Assurance President Ms. Rebecca B. Dela Cruz

Last October 20, 2018, AA Guaranty Assurance Co., Inc. has forged another fruitful partnership. This time, with Silver Ace Franchising & Business Development.

Through this partnership, AA’s Personal Accident Insurance with Pantawid Kabuhayan Package will be in full swing for all of you.

Our Pantawid Kabuhayan Package provides livelihood assistance to our assured or its beneficiaries with a food cart franchise from our partner, Silver Ace Franchising & Business Development.

Silver Ace’s advocacy is to provide affordable food cart concepts to people who would want to start their own businesses. Their food cart products are all high quality and are shipped from the best suppliers from across the country.

Since our Personal Accident Insurance can be created for all of you by demand, having a Pantawid Kabuhyan Package will be the perfect way to protect yourself and your loved ones.

L-R: Shane Topacio Lorryman, Silver Ace Franchising & Business Development CEO Ms. Becky Topacio, AA Guaranty Assurance President Ms. Rebecca B. Dela Cruz & Reliance Surety & Insurance President Mr. Andrew Dee Co.

We kept telling everyone that we want to be the premier InsureTech company.

But what exactly does one mean by being “InsureTech”? Is it all digital and technology-driven? Is it like those one-click away products that you can buy from the internet?

The answer is: yes, it is. But to be honest, being “InsureTech” is actually more than that. It is being a company that bridges the gap within an industry. Just like in non-life insurance. This industry has always been recognized as a traditional type of business ran by traditionalists.

There’s always car insurance, property insurance, travel insurance and even marine insurance. But all products sold in the same old way. Boxed and has nothing new to offer.

What other companies fail to realize is that there are some things that are worth creating products for. Like for instance, delayed flights. Sure there are other that offer the same but no one gives out automatic claims disbursements for as early as two hours.

There’s also our Traffic Delay insurance wherein you can get compensated when you get late to your destination. Because we know that living in the metro is equal to dealing with traffic at all times.

Another innovation that we made is the Personal Accident Insurance w/ Pantawid Kabuhayan Package wherein apart from the Personal Accident Insurance, the assured will also be entitled to a food cart franchise as a livelihood package. This will be in case of accidental death or dismemberment.

Sounds different but yeah, it works. Mind you, we are the only company that offers such service and we are the only one that creates non-life insurance products that are on-demand, tailored for what you needs.

Also, being “InsureTech” means establishing meaningful digital partnerships which will allow our products to be available in any digital platform. Imagine availing insurance with just one click using any gadget you may wish. Gone are the long lines, human interventions and countless phone calls just to get what is rightfully yours.

Just use your mobile or any gadget and you’ll be able to avail your protection anywhere as you may please.

Now if that doesn’t change the way the game is played then I do not know what is.

“It’s the most wonderful time of the year..”

Traffic everywhere, crowded malls and bazaars left to right. Yes, it’s Christmas time once again.

Sure traveling and shopping can be a hassle during December with all the rush and of course, no one is to blame.

But what we tend to forget are the positive things around us during this lovely period. Since it is the season of giving, always remember that there are presents waiting for you to be unwrapped.

Not to mention the bonuses you’ll be getting which you can use to pay of bills and buy presents for your friends and loved ones.

Something to look forward to are the numerous gatherings. Also, the holidays can be used as an excuse to miss-out on diets. So go ahead, get that big slice of ham and go for that extra rice! Binging on food during Christmas is one of the best things, you know?

Another thing to look at during the yuletide season are the relatives that will be visiting to celebrate this special occasion with you.

Now that brings me to the most important thing that you can look at during Christmas time. That is to be with your family and to know that they are protected.

So don’t lose your cool when get stuck in the Christmas rush and face your fear of dancing at your company’s Christmas party because there are a lot of good things that you can look forward to!

Always remember, the best gift you can receive is right at home: the people you care about.

There has always been a stigma about the non-life insurance industry. It is often regarded as stiff, uptight and always by-the-book.

Imagine an industry filled with veterans and moguls who are not willing to bend the rules even just for a little bit. Now don’t get it wrong because it is actually good for business to stick with what works. After all, they have already established a name by sticking to that unwritten law.

But you know, it is not actually a mandated thing to follow the so-called “rules” of the non-life insurance industry. By complying with the rules and regulations set by the Insurance Commission, whoever said that tweaking how the game is played will affect your company? Because when it comes to providing services, whoever said that a non-life insurance company is not allowed to tailor products for a specific market with a customized pricing for each of them. Doesn’t sound like a normal way of doing business, right? But it works because that’s how you start CHANGE.

By doing so, it just makes everything fresh and new again. But to tell you honestly, there is one company that is willing to shake things up a little and rock the core of the non-life insurance world.

Who is that company? That’s AA Guaranty Assurance Co., Inc. We tend to be distinct by being the only company that has embraced digitalization and innovation by becoming the premier InsureTech non-life insurance company in the country. Basically, what we are all about is to cover the gap in the ever-so traditional industry that is non-life insurance. Something that has never been done by any other company before.

Through this, you can avail of our products and services through online platforms with a price that’s just right for everyone.

You see, this industry does not have to be afraid to utilize the online platform as a means to reach to what the ones who needs protection the most.

Of course you can’t talk about insurance without talking about claims. Well, here’s the game changer: we won’t ask you for a lot of requirements unlike other companies. Why? Because we want you to claim simply because your insurance is yours.

We won’t mind of the risks that our products or company might face because that’s part of INNOVATION. That’s how we do things in AA.

Now, is going against the flow really a bad thing? We guess not. We can do things differently without compromising our client experience in the process. Why? Because we #DareToBeDifferent

Now tell me, is that something that’s different and refreshing in terms availing protection for everyone?

It’s April and the weather is like an inferno. It’s difficult to walk outside without breaking a single sweat because obviously, summer is here.
Sure this season is really hard on our bodies, mood and electric bills. Not to mention that some would rather spend time in cooler places like malls just to avoid the heat.
With that said, it is essential to always have a handkerchief, small towel for your back and of course, a bottle of water to keep yourself hydrated.
Now, allow AA Guaranty Assurance to give you tips on how to keep cool during the summer season!

  1. Drink lots of water
    This has been said countless times before but you know, keeping yourself hydrated all the time is really important. However, water is not your only option to keep cool but it is the most accessible for most of us.
  2. Wear appropriate clothing
    Now is not the time to flaunt your jackets and sweaters. Always wear something that’s comfortable and clothes that doesn’t cover much of your skin. That way, you’ll be able to feel at least a slight breeze and also, not look ridiculously overdressed during the hot summer season.
  3. Exercise comfortably
    It would be recommended to get a gym membership and stay away from exercising in the heat. But if that’s not doable for you, do an alternative type of exercise such as swimming and various water sports that gets the job done.
  4. Know your cooling points
    If you are trapped in a hot area and can’t find a cool spot, best to get an ice pack or cold towel and apply to your cooling points. These are your wrists, forehead, neck and joint areas. By knowing your cooling points, you’ll be able to cool yourself off faster and more effectively.

And that my friends are some ways on how to cool your body down during the scorching heat. Don’t forget to always have yourself protected at all times and of course, if protection is what you need, you can always count on a non-life insurance company that can create products made for you. Get your insurance from the best. Get it from AA Guaranty Assurance Co., Inc.!

We already mentioned in our previous blog that having a Compulsory Third Party Liability (CTPL) is mandated by the Land Transportation Office (LTO) since the purpose of this insurance is to protect the public to the inevitable dangers brought by vehicles.

But what exactly is a CTPL? This type of insurance will pay the necessary amount which that is within the limits of the insurance policy. This is to relieve the insured vehicle owner from any liability and to assure the third-party victim that there will be financial assistance.

In other words, if you were a victim of a CTPL insured vehicle, you and your loved ones can claim compensation based on a CTPL policy under these conditions:

  • You are a third party to the owner of the insured car
  • The car that is insured caused you to sustain an injury or resulted in death
  • The injury you sustained requires hospitalization and/or may result in disability or death

We would also like to give you a few tips on how to file a CTPL insurance policy:

  1. Read the fine print. Of course, there is a standard generic CTPL policy. However, it is still important to read and to be familiar with the fine print of the said policy. All insurance policies may not contain the same fine print regarding limitations so better check every detail.
  2. Always keep calm during times of panic. God forbid that you met an accident with your vehicle. It’s a scary thought, right? The first thing you must do is the necessary first aid to the injured individual and call the authorities for proper assistance, medical attention and investigation.
  3. Always be honest and consider an amicable settlement
  4. Give the right information to the other party. You will have to exchange information regarding the names, address and contact details of the other party and witnesses; the name of the registered owner of the other motor vehicle, his address and his contact number; the name of the of the registered owner of the other motor vehicle, his/her address and his contact number and lastly, the details of the CTPL policy of the other vehicle.
  5. Take pictures of the car, scene of the accident and where it all took place. Always document everything that occurred at the scene of the accident and the extent of damage to the vehicles and property. Do not forget to show the plate numbers of the vehicles to easily identify the respective vehicles. If you have a dashcam installed in your car, it is better to preserve the video evidence for your reference.

Lastly, when filing a claim, wouldn’t it be great to get what is rightfully yours in such a short time?

So when availing a CTPL, why not get yours from the best? Get it from AA Guaranty Assurance Co., Inc.!

Visit AA CTPL to know more!

Because here in AA, #IkawAngBida

Aminin na natin. Kahit na ikaw ay may hanap buhay at mga ari-arian, ang tanging mahalaga ay IKAW at ang iyong proteksyon. Alam naman nating lahat na wala nang mas mahalaga pa sa iyong buhay at ng inyong mga mahal sa buhay.

Siguro, iisipin ng iba na ang regular na pag dalaw sa Doktor at pag gawa ng mga paraan kontra-sakit ang dapat gawin ng bawat-isa sa araw-araw na hamon ng buhay.

Para magkaroon ng kasiguraduhan sa buhay, dapat ay meron kang proteksyon upang makapamuhay ka ng walang pag-aalala.

Lalo na rin kung ikaw mismo ang nagtataguyod ng inyong pamilya at sa iyo sila naka salalay, syempre ang tanging hangarin mo lamang ay makapag bigay ng magandang buhay para sa kanila kahit pa minsan ay may mga peligro sa trabaho.

Pero paano kapag may nangyari sa iyo? Handa ka na ba?

Hindi naman sa pananakot pero hindi ba mas maganda kung may “resbak” ka kung sakaling may hamon na humarap sayo?

Kaya andito ang AA. Para sa mga inyong kaylangan, para sa inyong proteksyon at tagumpay, andito ang AA, ang iyong kaibigan.

Dahil sa AA, #ikAwAngbida!

AA is actively supporting the Philippine Government in the recently implemented Enhanced Community Quarantine and Social Distancing Measures.

In this regard, our office will be temporarily closed starting March 17, 2020 until further notice.

For claims submission, you may still call us through the following hotlines:


We are here to answer any questions you may have about our products. Reach out to us and we’ll respond to you as soon as we can.