A SIMPLE SMART WAY TO GET COVERED
DO YOU KNOW WHAT INSURANCE IS ALL ABOUT?
There are many types of inusrance coverage. We are here to assist you understand what you need from what you don’t need. No hard selling – just simple ways of explaining how we can get you covered and prepare for those rainy days at the minimum cost to you.
A few things we’re great at
To start our conversation, we need to know what expenses you are afraid of and what you already have in preparation for any of life’s unforseen mishaps. Using what you already have, we would tell you frankly what you would need further to get your bases covered. This is what we want you to do – transfer your risk on us and we would gladly take it in…
Non-Life
Property Insurance against fire, lightning, malicious damage, robbery and theft, broad water damage, flood, business interuption. Car insurance – comprehensive and basic third party liability, Business Insuraces.
Life Insurance
Coverage for your senior years or in preparation for any life changing event – loss of income, disability, etc.
Health Insurance
Good healthcare is hard to come by if you dont have the means. We would help you navigate through this and provide you the means to get the best possible healthcare coverage you can get in the market – even cosmetic procedures – we can get it for you.
Insurance Packages
We can bundle packages to cover all aspects of your risk. Our well trained risk advisors would give you a simple list of things you need to keep and the things you still need to cover.
History of Insurance
How The Quest for Discovery created the need…
The insurance industry all began in London in the years of global conquest and exploration. With the new properties and the new merchandise colonies from the Far-East, a group of men in Lloyds London banded together and started “underwriting” risk on galleons sailing to the colonies of the New World.
Stock Market and Tulips
Similarly around that time, the Stock Market was born – in the Netherlands to trade Tulips.
Mid 20th Century Expansion
The insurance industry saw rapid expansion after the second world war
Insurance in the Philippines
Insurance has always played a part in nation building. In fact, companies such as Insular Life help rebuild the country after world war II.
9-11 and Today
The need for more complex comprehensive coverage came about the events of the September 11, 2001 and the modern day Stock Market Crisis of 2009 deepened the need for Insurance Coverages.
Risk Transfer Insurance Agency
Why do you need an Agent?
There are so many insurace products in the market and for more complex and wide coverages that need more insurance underwriters to cover risks, Insurance Brokers opened shop so that you only have to deal with one entity. It is their job to determine what you need from the market and negotiate your risks. Often, Insurance Brokers have the capacity to compensate you inadvance prior to insurance companies “indemnifying” or paying your claims. Agents are the alternative to brokers for simpler more personalized coverages.
Insurance Companies
These are the guys that trade your risk with the guys back in Lloyds.
Insurance Brokers
Your dealer of complex and big insurance needs – they cater mainly to companies and massive infrastructure projects and public buildings.
Agencies
They are your neighborhood dealer of coverages of your risks. Easier and less complex services are their mantra and for you to shop and walk away worry-free from risk.
Rose Personal Touch
RTIA’s main Insurance Advisor, Rose Marie Santos, has 40 years of Insurance Industry expertise. She will sit down and listen to your needs and would find you the best pacakges available in the market to eliminate your worries.
Client Testimonials
Don’t take our word for it – here’s what our clients say:
Rose Santos gave our company new insights on how to secure the best insurance coverages suited to our business.
Ferry Romero
Alphatec Chemical Corperation
From 2010 to the present, Rose Santos was our insurance consultant for all our insurance requirements. We are very satisfied with our current insurance program. One thing we commend her is the proper way she handles our insurance claims.
Marvin Ian Gumbao
Agrinanas Development Company
Rose Santos has been my insurance consultant dating back 1986 (as employee of Smith Kline) and after I retired. I am very satisfied with her handling my personal insura
Carol Velillia
Former Accounting Manager of Smith Kline Philippines
Increase your savings – ask us how!
Our Team
Rose Marie is the main underwriter. Zeny puts things together. They both came full circle – they both at one point worked together in the late 1970’s and now they are teaming up gain to share and help you out.
Rose Marie Santos
Proprietor
Zenaida Del Castillo
Accounting