Licensed / regulated
Insurance work sits inside a regulated category, not a casual online recommendation.
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The Insurance Fit Check · Free
Don't guess at life insurance.
Know your fit in 2 minutes.
A free 12-question diagnostic for Filipino professionals. See which of four protection pathways fits your life stage — before you compare a single plan.
Free. 12 questions, ~2 minutes. No product pitch — Josh recommends a plan only if it fits.
Sample Only
Your Insurance Fit Report
Fit direction + gap data before any product conversation.
Fit Direction
Income Protection First
Estimated Protection Gap
₱•,•••,••• range
Emergency Fund Readiness
Below 3-month target
Credentials · Recognitions · Access
Backed by licensed, recognized, and platform-supported financial advisory work.
Grouped so every proof signal is easy to verify.
Recognized performance
Recognition that supports Josh's advisory track record and consistency.
2026 MDRT QualifierTop 3 FA 2024Elite Club of PlannersRole Model of the Year
Ecosystem / access
Platform and ecosystem access that can support the advisory process when relevant.
Logos and recognitions are shown by category: regulation, recognition, and ecosystem access. This avoids treating every logo as the same kind of proof.
Wealth Architect
Josh Gripo
FWD Life Insurance (PH)
Industry Recognition
2026 MDRT Qualifier
Team Recognition
Role Model of the Year
Why Most Plans Miss the Mark
The first question most people ask
is the wrong question.
“Most people ask, 'Which insurance plan should I buy?' Better question: 'What am I actually protecting?'”
Without that answer, every proposal can sound reasonable.
01You may buy too little.
02You may buy too much.
03You may choose a plan your budget cannot sustain.
04You may ignore coverage you already have.
05You may choose the wrong plan type.
06You may compare proposals without knowing the real problem.
The product is not the plan.
The gap determines the plan.
We check what your family depends on first. Then we check what already protects it. Only then do we talk about plans.
What You Get For Free
You are not just taking a quiz.
You discover your fit direction.
Answer 12 questions and get a personalized Insurance Fit Report — showing which of four pathways fits your situation and what to review before you compare any plan.
2-Minute Insurance Fit Check
Answer simple questions about your income responsibilities, dependents, current coverage, and budget.
Your Insurance Fit Report
See which of the four fit pathways matches your situation — and what to review before comparing plans.
Emergency Fund Readiness Check
Know whether your savings can absorb a short-term income disruption.
Current Coverage Status
Review whether your existing protection may need a closer look.
Recommended Review Focus
Know what Josh should review first: life protection, illness funding, debt protection, budget fit, or policy review.
Free Private Review If Qualified
If your answers are a fit, Josh walks through your snapshot and explains options only if they make sense.
Sample Snapshot
See the kind of snapshot you'll receive.
The result is designed to make the invisible visible: what may be missing, what may already be covered, and what needs Josh's attention first. Sensitive numbers are hidden in this sample.
Know your fit direction before you compare a single plan.
Sample Only
Your Insurance Fit Report
Fit direction + gap data before any product conversation.
Estimated Protection Gap Range
₱•••,••• to ₱•,•••,•••
Emergency Fund Readiness
Below target
Current Coverage Status
Has coverage, unclear fit
Recommended Review Focus
Life protection, illness funding, budget fit
Preliminary and educational. Not a final insurance recommendation. Suitability and underwriting determine final coverage.
The Process
What happens before any plan conversation.
Family first, coverage second.
01
Take the 2-minute diagnostic
What are you actually protecting?
Answer a short set of questions on dependents, obligations, current coverage, income, and budget.
02
Receive your Insurance Fit Report
Where are the gaps?
Preliminary measurement of where the gaps in your current architecture sit.
03
Book a private consultation
Does any of this fit my life?
If your numbers fit, Josh walks the snapshot with you — no pitch, no pressure.
04
Decide what makes sense
What's the call?
If a plan fits, Josh explains why. If it does not, he will not recommend one.
Simple and Clear
Clarity before any plan.
The Fit Check is free. If a plan makes sense after your review, Josh will explain your options clearly. No pressure. No obligation.
Client Video Proof
Real words from real clients
will carry the proof.
Add testimonial videos here once the files are ready. The section is built for real playback, not simulated quote cards.
Protection gap clarity
Video coming soon
No-pressure guidance
Video coming soon
Plan fit and confidence
Video coming soon
Get My Insurance Fit Report →
Free. Private. Two minutes.
The Fit
Designed for people who want clarity
before they buy a plan.
Best For
- ✓Filipino professionals planning their first protection layer
- ✓Parents and breadwinners with real income responsibilities
- ✓OFWs and OFW families building from a distance
- ✓Married couples and new parents
- ✓People supporting children, aging parents, or both
- ✓Households with at least ₱40K/month combined income
- ✓Anyone considering insurance in the next 30–90 days
- ✓Anyone unsure whether existing coverage is enough
Not the Right Fit
- —No stable income to architect around
- —Only looking for the cheapest plan
- —Only collecting random product comparisons
- —Unwilling to share real numbers
- —No intent to act if a real gap exists
- —No family or income responsibility to protect
The diagnostic is built around people with real financial responsibilities. If that isn't you right now, it may be later.
Limited Private Reviews
Personal review means limited slots,
for a real reason.
Because each snapshot review is done personally, Josh only opens a limited number of private review slots each month. When slots fill, the next opening moves to the following month.
Slot availability
7/10 filled
3 slots remaining this month
Insurance is easier to plan while you are healthy, earning, and insurable.
The best time to find the gap is before your family needs the money.
10 sessions opened per month. Most are booked within the first week.
Ready when you are
Know what to protect —
before you compare a single plan.
12 questions. 2 minutes. Free Insurance Fit Report. Book a private review only if your numbers fit.
Start My Insurance Fit Check
Rooting for your family's future, Josh.