Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Unwarranted Benefits Local Officials Liability FOR Illegal Insurance Agreements IN Pagsanjan
Supreme Court clarifies liability under Section 3(e) for mayors and councilors in illegal insurance contracts without public bidding.
Reinsurance and Attachment Bonds: Upholding Surety Validity Beyond Retention Limits
Supreme Court clarifies that attachment bonds exceeding a surety's retention limit remain valid when the excess is reinsured, explaining reinsurance contracts.
Duty of Disclosure in Insurance Contracts: Insurers Must Prove Concealment
Philippine Supreme Court clarifies that insurers bear the burden of proving concealment or misrepresentation by convincing evidence before rescinding policies.
Securities Deposit Immunity Protecting Policyholders Interests IN Insurance Contracts
Learn how the Supreme Court protects policyholders' interests through the securities deposit immunity rule in insurance contracts.
Breach of Insurance Contract: The Impact of Unapproved Property Relocation
When insured property moves without insurer consent, coverage may cease. Learn from Malayan Insurance v. PAP Co. on relocation risks.
Supreme Court Ruling on Health Care Agreements and Documentary Stamp Tax: What It Means
The Supreme Court ruled that HMO health care agreements are not insurance contracts subject to documentary stamp tax under the National Internal Revenue Code.
Healthcare Agreements vs Insurance: Understanding Documentary Stamp Tax
Philippine Supreme Court rules health maintenance organization agreements are insurance contracts subject to documentary stamp tax under the Tax Code.
Agent Liability in Insurance Contracts: The Pandiman Philippines Ruling
A Supreme Court ruling clarifies when an insurance agent can be held liable for claims, and who bears responsibility for overseas workers' death benefits.
Health Care Agreements vs Insurance Contracts: The Incontestability Clause Explained
The Supreme Court ruled that health care agreements are insurance contracts, so the incontestability clause applies to HMOs.
Life Insurance Contracts: When Does an Application Become a Binding Agreement
Philippine Supreme Court explains when a life insurance application becomes a binding contract, using Perez v. BF Lifeman as guide.