In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

— SERVICES & SOLUTIONS

Microinsurance

Avail Now (opens a new window)

Comprehensive and cost-efficient coverage with 8 protection benefits

In 2021, the Lockton Kaagapay Program (LKP) was developed to address the most basic but oftentimes overlooked protection needs of Filipinos. For only Php 120 per year, LKP provides comprehensive coverage product with 8 benefits.

Inclusion

  • Accidental death

  • Ambulance benefit

  • Accidental disablement and dismemberment

  • Accident and sickness cash assistance

  • Fire/lightning cash assistance

  • Motorcycling benefit

  • Natural death

  • Unprovoked murder and assault

Meet our Microinsurance Team

Placeholder image

Nino Sauler

Senior Vice President
Nino.Sauler@lockton.com
+63 917 545 1463

Placeholder image

Hanica Bayaborda See

Vice President, Client Services & Relationship Management
Hanica.Bayaborda@lockton.com

Placeholder image

Brian C. Fontanilla

Senior Manager, Deputy Head, Client Services
Brian.Fontanilla@lockton.com
+63 288 110 388

Placeholder image

Hye-Won "Eunice" Park

Vice President, Korean Accounts
Eunice.Park@lockton.com

General Inquiries

Get in touch

info.philippines@Lockton.com

News and Insights

The Philippines’ renewable energy expansion is gaining momentum, fueled by ambitious government targets and increasing investor confidence. Yet as policies tighten and timelines accelerate, the clean energy sector faces a new kind of challenge—political risk. This article examines how shifting regulations, administrative changes, and project cancellations can affect investor confidence and project continuity, and explores how political risk insurance and proactive risk management can help protect renewable energy investments and ensure long-term stability in the country’s energy transition.The Vulnerability of Renewable Energy to Political Risk

The Vulnerability of Renewable Energy to Political Risk

article
The Philippines is moving full speed toward renewable energy, spurred by government commitments, investor optimism, and the pressing need for energy diversification. The country is fast-tracking its clean energy transition with more than 1,435 renewable energy ...
The Vulnerability of Renewable Energy to Political Risk

The scope of renewable energy in business sustainability

The article examines how the Philippines’ target of achieving 40% renewable energy by 2030 is reshaping corporate decision-making, as businesses move to integrate clean energy solutions to stay competitive, manage risks, and ensure long-term operational resilience.The article examines how the Philippines’ target of achieving 40% renewable energy by 2030 is reshaping corporate decision-making, as businesses move to integrate clean energy solutions to stay competitive, manage risks, and ensure long-term operational resilience.

The Great Generational Divide in the Workplace

The Philippine workplace is now home to multiple generations, from those who grew up during martial law to Gen Z digital natives, creating both opportunities and challenges. Post-pandemic shifts in values, work styles, and expectations have magnified generational differences in communication, technology use, mental health perspectives, and definitions of professionalism. Cultural norms rooted in hierarchy often clash with younger employees’ calls for collaboration, flexibility, and openness about wellbeing. To bridge these divides, organizations must design inclusive policies, flexible benefits, tailored learning programs, and communication strategies that resonate across age groups. With thoughtful leadership, generational diversity can be transformed from a source of friction into a driver of resilience, innovation, and progress.The Philippine workplace is now home to multiple generations, from those who grew up during martial law to Gen Z digital natives, creating both opportunities and challenges. Post-pandemic shifts in values, work styles, and expectations have magnified generational differences in communication, technology use, mental health perspectives, and definitions of professionalism. Cultural norms rooted in hierarchy often clash with younger employees’ calls for collaboration, flexibility, and openness about wellbeing. To bridge these divides, organizations must design inclusive policies, flexible benefits, tailored learning programs, and communication strategies that resonate across age groups. With thoughtful leadership, generational diversity can be transformed from a source of friction into a driver of resilience, innovation, and progress.

Supporting employee mental health amidst natural calamities

The 2024 World Risk Index ranks the Philippines as the most disaster-prone nation, with over 432 areas declaring a state of calamity due to extreme weather events. Beyond physical damage, disasters have significant mental health impacts, with survivors facing higher risks of PTSD, anxiety, and depression, which in turn affect workplace productivity and morale. The article underscores the importance of integrating mental health support into disaster preparedness, citing DOLE’s mandate for workplace mental health policies. It recommends immediate post-disaster interventions like emergency communication, Employee Assistance Programs (EAPs), Psychological First Aid (PFA), and flexible work arrangements. Long-term resilience, the article argues, requires ongoing support systems, manager training, stigma reduction, and insurance safeguards to protect employees’ well-being and organizational stability.The 2024 World Risk Index ranks the Philippines as the most disaster-prone nation, with over 432 areas declaring a state of calamity due to extreme weather events. Beyond physical damage, disasters have significant mental health impacts, with survivors facing higher risks of PTSD, anxiety, and depression, which in turn affect workplace productivity and morale. The article underscores the importance of integrating mental health support into disaster preparedness, citing DOLE’s mandate for workplace mental health policies. It recommends immediate post-disaster interventions like emergency communication, Employee Assistance Programs (EAPs), Psychological First Aid (PFA), and flexible work arrangements. Long-term resilience, the article argues, requires ongoing support systems, manager training, stigma reduction, and insurance safeguards to protect employees’ well-being and organizational stability.
Read more news and insights

Sign up to our Newsletter

Stay informed about emerging risks and how to address them with our latest thought leadership content.

Register now
688x551xctaimage