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• 07:54, 7 January 2026 Admin talk contribs created page Insurance for Beginners (Created page with "As of 2026, the Philippine insurance market has shifted significantly toward digitalization, with a penetration rate reaching approximately 1.89% of the population. While traditional agents remain a primary channel, digital platforms (GCash, Maya) and bancassurance (insurance sold through banks) have democratized access. For the average citizen, insurance serves as a risk management tool to protect against financial loss due to death, illness, accident, or property dama...")