Life insurance Annual Premium Equivalent (APE) sales for the first semester of 2023 grew just under 10% as the industry remains well-positioned to top its annual pre-pandemic sales levels for the first time. APE is the annual total value of all single and recurring premium policies. Known for its heavy reliance on face-to-face transactions in marketing its products, the life insurance sector was seen to be among the most impac ted during the pandemic years. However, under the prevailing economic climate, Filipino families are increasingly seen to prioritize insurance to safeguard themselv es and their loved ones against unforeseen events. Moreover, they also look for ways to ensure they are secure financially through whatever means. There are five critical assets a person should consider to achieve financial security: • Emergency Funds: Emergency funds are savings for unanticipated expenses like medical incidents and house repairs. This fund would prevent someone from relyi