Non-Life Insurance: Traditional No More

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?

The Best Gift For The Holidays

“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.


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.


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.


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