As Filipinos prepare for the holidays, Palawan Group of Companies is giving the season of giving a practical twist through Palawan ProtekTODO, its affordable microinsurance product designed to make financial protection accessible to all.
In a country where malasakit (compassion) defines family life, ProtekTODO provides a way for Filipinos to show care that lasts beyond the Christmas season.
Developed by Palawan Pawnshop–Palawan Express Pera Padala, the product offers low-cost insurance policies covering health, accidents, fire, dengue, travel, and even pets — all starting at just ₱20.
With ProtekTODO, Palawan hopes to turn financial protection from a luxury into an everyday essential.
Lisa Castro-Sabado, Chief Business Development Officer at Palawan Group
“ProtekTODO represents more than just affordable insurance — it’s a step toward a future where every Filipino has access to protection that fits their lifestyle and budget,” said Lisa Castro-Sabado, Chief Business Development Officer at Palawan Group.
She adds, “We are making financial security not a privilege, but a norm for every family, in every community — patingi-tingi ang presyo pero todo ang benepisyo(affordable but full of benefits).”
Insurance in sachet form
Just as Filipinos buy daily necessities in sachets, ProtekTODO offers insurance in small, manageable amounts that are easy to purchase, easy to understand, and easy to benefit from.
Policies are available through over 3,300 Palawan Pawnshop branches, the PalawanPay app, and major e-commerce platforms Shopee and Lazada, giving users convenient options to secure protection anytime, anywhere.
Turning protection into a gift of care
This Christmas, Palawan is positioning ProtekTODO as a meaningful gift idea — one that goes beyond material presents. Packaged in festive designs, the insurance policies can be given as standalone gifts, tucked in envelopes, or added to Christmas baskets, serving as a symbol of love and protection.
“Gift-giving in the Philippines is an expression of thoughtfulness and connection,” said Bernard Kaibigan, Chief Marketing Officer of the Palawan Group. “With ProtekTODO, we’re helping families protect what’s most important while keeping the true spirit of Christmas alive. It’s about turning care into something personal, meaningful, and memorable.”
A Kantar Philippines Holiday Study (2021) found that 83% of Filipinos prefer value-for-money gifts, such as food and household items — gifts that are both useful and heartfelt. Palawan builds on this insight by introducing insurance as a new kind of practical present: one that offers peace of mind and long-term security.
Bringing financial inclusion closer to home
ProtekTODO is part of Palawan’s wider effort to promote financial inclusion among underserved Filipinos. By offering microinsurance alongside its core services — pawning, remittance, and digital finance through PalawanPay — the company is reinforcing its commitment to bringing accessible financial solutions to every community.
The initiative also aligns with the Bangko Sentral ng Pilipinas’ (BSP) push for greater financial inclusion and resilience among low- to middle-income families.
“Even small steps toward financial protection can make a big difference,” Castro-Sabado added. “Our goal is to help every Filipino start that journey — whether through a branch visit or a few taps on their phone.”
A gift that lasts beyond the holidays
As Filipino homes light up with parols and celebrations, Palawan ProtekTODO reminds the public that the best gifts are those that protect the people we love.
Affordable, practical, and deeply personal, ProtekTODO transforms the concept of care into something tangible — a small investment that provides peace of mind long after the Christmas lights fade.
Filipinos can get ProtekTODO Insurance at any Palawan Pawnshop or Palawan Express Pera Padala branch nationwide.
