A free insurance from Philam Plans

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Just arriving home the other day, my son told me to call back Philam Plans. He said they called while I was gone. Puzzled, I dialed the number my son gave me and asked for 'Michelle', the one who called. As they were calling her, I'm still thinking... what could be the reason for this call?

When Michelle was already on the phone, she told me that I have a free insurance with them worth P25,000 and asked me to pick-up my certificate from their office. Skeptics isn't exactly my middle name, but I'm definitely sure that you don't get something for nothing these days. As she was explaining, I butted in, "Okay, what's the catch?" to which she readily replied, "There's no catch sir, somebody referred you and our head office approved the referral that's why you have a free insurance." She then assured me that I should not pay for anything once I pick-up my certificate.

Still skeptic, I went to their office yesterday afternoon to get my certificate. I got my certificate with no-strings attached to it. But I filled up a personal data sheet wherein they asked me to submit my own referrals too. Hmmm.... I'm beginning to get the picture. Once they get people in their office, they might try to sell them some of their products... but since I have already told them before that I am jobless without any penny on me to 'bite their bait', they really didn't exert any effort selling anything to me.

And so I got away with my free insurance worth P25,000 But since it is free, it has so many limitations. But what the heck, you're not expecting anything grand for something you didn't spend a penny on, do you? I always believed in securing the future for my children, that's why once I have enough resources I sure am willing to pay for it. But for now, I would settle for the free-but-limited insurance.