BDO Life What If

Transforming What Ifs from Challenges to Opportunities

Life is full of “what if” moments—crossroads and decisions that help us fulfill our dreams and realize what we set out to achieve.

Each “what if” moment presents us with two possibilities, that which is desirable or that which is undesirable. Our subsequent decisions and actions direct the course of our lives moving forward. Therefore, whenever we face a “what if” moment, are we ready and prepared to make the right moves?

One expert who advocates the necessity of financial protection for “what if” moments is Mr. Renato A. Vergel de Dios, President, and CEO of BDO Life Assurance Company, Inc. He explains how we can make “what if” moments work to our advantage with the correct mindset.

“When we are faced with a ‘what if’ moment, we are also confronted with potential benefits and risks. The most reasonable course of action is to make a decision that maximizes the potential benefits and minimizes the potential risks,” he says.  

Mr. Renato A. Vergel de Dios, President, and CEO of BDO Life Assurance Company, Inc

Vergel de Dios points out that the entire country experienced a crucial “what if” moment when the pandemic struck. “On top of dealing with our own survival, we also have to help others. Taking an ‘every-man-for-himself’ attitude is unacceptable. We are all in this together. As they say, ‘we must heal as one,’” he says.

A protection mindset

According to Vergel de Dios, “We expose ourselves to greater risk if we don’t understand a potential threat or choose to ignore it. For example, now that COVID-19 is here, are we going to behave like before? Will we refuse to wear masks, touch our faces with unwashed hands, or gather together in a closed environment? Those who ignore current health protocols neither recognize nor accept the consequences of the threat to themselves and others,” he adds.

This is why Vergel de Dios advocates a way of thinking and living that is proactive as well as protection-oriented. Insurance awareness and belief is about having a mindset that recognizes the risks and uncertainties of life, accepts that such perils could harm us, and compels us to act in order to protect ourselves and our loved ones.

From the ludicrous to the serious

BDO Life What If

Vergel de Dios has probably heard all the possible reasons for people who don’t want to adopt this protection mindset when it comes to insurance. To get them to think otherwise, he sometimes resorts to ludicrous analogies that drive home the real wisdom of his point.

“When you buy car insurance, do you pray to have an accident so you can get your money’s worth? How about fire insurance? When it’s time to renew your coverage, do you ever feel bad your house didn’t burn down? Of course not,” he says.

Insurance as a financial protection instrument, Vergel de Dios says, has an ironic side. “Life insurance is something you need but would rather not use. Sure, there’s a cost to pay for such protection, but would you rather that your family pay a higher price when you fail to maintain adequate insurance coverage.”

Vergel de Dios continues: “You get insurance primarily for financial protection. Some insurance products also provide investment opportunities. To me, the potential investment earning component, while is highly desirable, is a bonus. By this, I mean that you shouldn’t relish the bonus benefit more than the primary benefit. Think of it like a cake. The investment feature is the icing while the protection coverage is the body. You share and enjoy the entire cake. The icing is just the extra satisfaction on top,” he says.

Insurance helps achieve our dreams

Now that we are in a period of crisis, it’s time to re-examine our beliefs and plans. Your specific future goals in mind such as buying a house, having the funds to finance your children’s education, family overseas trips, or retiring securely—that’s your Plan A, your offense strategy. Vergel de Dios asserts that insurance should be part of one’s overall financial preparedness program. It’s your Plan B, your defensive strategy that will ensure that your aspirations can be achieved even if untoward situations should arise.

“If you secure insurance as part of an overall life goal or dream that you want to realize, then you will see it as part of a greater context: that of achieving the life you want for yourself and those you love. Whatever may come next, your ‘what if’ moment moves forward, broadens, and becomes a source of hope instead of anxiety.”

“With insurance, the ‘what if’ worries and consequences of dying too soon become a way to move forward with optimism and security. And even if the risk passes without having to avail of your insurance protection, it doesn’t mean you lost money. Rather, because you remained healthy, safe, and protected, you had the time, energy, and fortitude to fulfill your financial goals,”

Such is the power of a “what if” that is turned from a risk into an opportunity.

BDO Life has financial advisers ready to help you turn the “what ifs” in your life into a way to make your goals and dreams a reality: whether it’s buying a house, getting an education, protecting your health, or providing a secure and worry-free future for your loved ones. It’s so easy. You can get in touch with them at You can also reach BDO Life Financial Advisers right at a BDO branch near you. Ask about BDO Life now at your BDO branch.

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  1. merrynell serrano says:

    Kaya maganda talaga pag my savings ..

    1. korek! kahit paunti-unti para may huhugutin pag kailangan na. 🙂

  2. Michelle Anne Tumulak (Miyo Sheen) says:

    Oo nga Mamu no more what if just go with the flow and think positive always 🤩💜ganda ng bagong commercial ng BDO

    1. diba, magi-isip ka talaga about your future or ng family mo. 🙂

      1. alisonjanemercado says:

        True po kelangan po talaga natin mag ipon para may madukot na pera pag kenakelangan☺️

  3. sosingerica says:

    Yes mamu sa buhay po tlaga natin di maiiwasan na may mga “what ifs” po tayo. Lalo na po if we’re making a decisions or plan in our life. And just like what you’ve said mamu hindi natin malalaman Kung di po natin susubukan.😊 And BDO life insurance answers all our “what ifs” in life. Maganda po tlaga pag secured and protektado tayo and our loved ones. Especially this time of pandemic. 😊


      1. Lyka Mitra says:

        Marami po talaga tayong what if’s sa buhay kaya dapat po meron tayong katuwang para sa future natin at isa si BDO sa tutulong sa atin para mapaghandaan iyon..

  4. Leslie Santos says:

    the best po tlaga gawin ngaun monmy ang mag save khit pa unti unti lalo para sa future ni baby ..

    1. yes, laging para sa kinabukasan ng family. or kung meron ka mang goals na gustong maabot sa future. at least ready ka

  5. Maytots contawe says:

    Super talagang kaylanKay magkaroon Ng Saving mamu Kasi sa pananahon ngaun need na natin ispin Yung about future Ng family Kasi pag Wala Kang ipon Wala Kang mahuhugot Kung Kaylangan mo na like etong pan demic biglaang dumating saatin .

    1. korek. nakakatakot lalo na ngaon. hindi talaga tayo sure kung ano mangyare sa future natin

  6. Shawna leigh Vilela says:

    Yes iba talaga ang BDO Insurance , talagang secured ka saknila. Marami tayong “what if’s” sa buhay na kaya nilang masagot. Kaya kung kaya may what if ka sa buhay take action and you will know the answers. But you go for legit and trusted partner

    1. mas maganda na kasi yung meron kang pang-emergency o ipon kahit pakonti konti

  7. Isay says:

    Next goal ko talaga mag ka insurance.. thanks for this!

    1. oo importante yan. kahit yung maliliit lang muna.. 🙂

  8. jennifer sarno cruz says:

    yes to securing our future

  9. What if’s are just questions that can we make possible if we done something about it. kaya dapat we have a plan for our future with our family yung asawa ko po meron din syang life insurance mamu..

  10. Thirdy Halili says:

    Kaya its its ao important to have an insurance, ako dahil bata pa ako 25 yrs old part of my goals is to have health insurance and savings of course. We may never know what will happen so we should always feel secure kapag may mga unfortunate events. I’m glad that BDO is stepping up and also putting up insurance services they always find ways talaga for their customers.

    1. tama ka jan, Thirdy! Insurance is one way of protecting our selves or our family. 🙂

      1. Anne says:

        Tama ka mamu

      2. Amelia lacson says:

        Ang galing talaga ng BDO super convinient na.yung insurance malakinh tulong yun lalo pat my 3 kids ako na pagtatapusin sa pag aaral..super helpful talaga nito mamu..goodjob👍

      3. Antoniette Sanchez David says:

        Wow ang ganda naman ng campaign ng bdo dahil sa kanya lahat ng what if ko masasagot mukhang need ko na talaga mag open account sa bdo paganda ng paganda ang hadhikain nila para sa pamilya

  11. Han fua says:

    Na touch ako sa commercial bg BDO talagang we find ways , dapat may savings and insurance secure mo future ng kids mo di kasi natin alam ang mga mangyayari mabuti na yung handa tayo mamu

  12. Rosebel S. De Vera says:

    Pangarap nmin tong mag asawa para sa 2 anak nmin ang insurance.. Pero dhil nag ka pandemic na delay pa Lalo pero nag iipon kmii pa ontii ontii para po incase na emergency may ma dudukot..

  13. Rosebel S. De Vera says:

    Pangarap nmin tong mag asawa para sa 2 anak nmin ang insurance.. Pero dhil nag ka pandemic na delay pa Lalo pero nag iipon kmii pa ontii ontii para po incase na emergency may ma dudukot

  14. rosebel de vera says:

    goal nmin to mag asawa para sa 2 anak nmin.. kaya sna soon magawa nmin kaagad.. pero ngaun nag iipun muna kmi pea kht paano my madudkot in case ng emergency//..

  15. rosettedeleon says:

    Nowadays Mamu very important to have savings or insurance. Kaya nga after pandemic mag oopen talaga ako ng account sa BDO for savings purposes para na rin sa future ng mga anak ko.

  16. Mommyjeks says:

    Ang maganda kase sa bdo pede ka magipon para sa future ng baby mo hanggang colloge pede mo siya ipunan, mawwithdraw lang niya ung pera kapag 18 yrs old na siya. Tapos ang kinaganda din makakapag tabi ka talaga ng savings niyo, at nadadagdagan pa buwan buwan. Malaking tulong talaga kapag bdo kase pag wala ka cash mag groceries ka pedeng card nalang ang gamitin. Kaya bdo talaga we find ways daming magaganda sa bdo. Kaya dati bdo din kami. Kaso nag close acc na dahol naubusan kami budget nung pandemic.

  17. Dhel Manog says:

    True momsh ,dapat i-go lang ng i-go natin yang mga what if na yan.Maganda talaga na may savings tayo para sa future .Buti nalang nandyan ang BDO to secure our future ❤️

  18. anaroselucero says:

    sa pandemic na to marami ako natutunan,na ang buhay natin ay walang kasiguruhan, kaya naman napakahalaga pala na dapat lagi tayo handa para hindi tayo nag aalala,para walang puwang ang mga “what ifs” sa buhay natin..we must invest talaga para sa future natin sa insurance company na totoong may care,ang BDO..para we can live life to its fullest.

  19. MA D EL says:

    BDo plays a imppimpor role in our life.Kailangan mayroon talaga tayong insurance para sigurado talaga tayo sa future natin.

  20. MA D EL says:

    BDO plays an important part in our lives.Very important talaga na meron tayong insurance or savings para secure Ang future natin

  21. alisonjanemercado says:

    True po kelangan po natin mag ipon talaga para may madukot na pera pag kinakailangan☺️😍

  22. alisonjanemercado says:

    True po kaya maganda po talaga na may savings para pag needed ay meron tayong pera☺️

  23. Karen Marie Flores says:

    Maganda po talaga ang may insurance para sa protected n ang ating sarili at mga mhal sa buhay

  24. Tina Jove Torres says:

    Ito yung commercial na mapapaisip ka ng bongga, ang gnda ng mesaage. Yung tipong, oO nga ano? Kaya ang what if ko ngayon is, what if magsimula na rin akong ngayon and wag nang antayin pa ng mga darating na araw kung kaya namn ngayon..

  25. Bessie Ramos says:

    No more what ifs sa bdo life because we protected . Maganda tlaga may insurance lalo ngaun panahon para sure at secure ang pamilya

  26. Jeng Manalo says:

    BDO really find ways big help talaga ang insurance sa atin lalo na sa mga panahong tulad nitong pandemic maasahan talaga.Great investment for the future

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