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.
Navigating Beneficiary Designation in Life Insurance: A Guide for Policyholders
A Supreme Court ruling clarifies when beneficiary changes in life insurance take effect, and why insurer internal rules cannot override policy terms.
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.
Independent Contractor or Employee? Control in Insurance Agency Agreements
Philippine Supreme Court clarifies when an insurance agent becomes an employee, applying the four-fold test and control standard.
Independent Contractor or Employee: The Four-Fold Test in Philippine Labor Law
When is an insurance agent an employee, not an independent contractor? The Supreme Court explains the four-fold test and the crucial "control test" in Tongko v. Manulife.