Hi OP! Thanks for your post.

Please see the guide on insurance, which is available as a flowchart image, an interactive web version, and a pdf with links.

There are a lot of posts about VUL cancellation, so please also see similar posts like these:

1. https://www.reddit.com/r/phinvest/comments/10wrvx6/should_i_continue_hwwwing_onto_my_paidoff_vul/
2. https://www.reddit.com/r/phinvest/comments/voxl09/i_dont_plan_on_having_a_family_should_i_cancel_my/
3. https://www.reddit.com/r/phinvest/comments/11frpqh/our_vul_experience/
4. https://www.reddit.com/r/phinvest/comments/wj8xp7/should_i_cancel_my_vul/
5. https://www.reddit.com/r/phinvest/comments/11350no/are_all_vuls_bad_investments/
6. https://www.reddit.com/r/phinvest/comments/vxl62y/vul_on_first_year_cancel/
7. https://www.reddit.com/r/phinvest/comments/vl6rxs/should_you_cancel_a_vul_after_four_years_of/
8. https://www.reddit.com/r/phinvest/comments/tsau6a/cancel_vul_get_inlife_er_care_allin_100_adults/
9. https://www.reddit.com/r/phinvest/comments/nm04sn/cancel_vul_do_btid/
10. https://www.reddit.com/r/phinvest/comments/vmlq8w/should_i_cancel_my_vul/
11. https://www.reddit.com/r/phinvest/comments/tyxx1x/best_strategy_when_cancelling_vul/
12. https://www.reddit.com/r/phinvest/comments/ejhe8k/how_to_cancel_vul_plan/
13. https://www.reddit.com/r/phinvest/comments/kax09y/after_cancelling_vul/
14. https://www.reddit.com/r/phinvest/comments/vti8tz/im_planning_to_cancel_my_vul_after_25_years_of/
15. https://www.reddit.com/r/phinvest/comments/xgdarc/help_how_do_i_cancel_my_fwd_vul/
16. https://www.reddit.com/r/phinvest/comments/z7fnj1/cancelling_my_vulneed_inputs_on_replacement_life/
17. https://www.reddit.com/r/phinvest/comments/u7unes/help_how_to_cancel_my_vul/
18. https://www.reddit.com/r/phinvest/comments/v5b9dt/cancelling_my_bpi_philam_life_vul/
19. https://www.reddit.com/r/phinvest/comments/o65bke/planning_to_cancel_my_vul_plan_any_tips_to_help/
20. https://www.reddit.com/r/phinvest/comments/qmdu7a/should_i_cancel_my_fully_paid_sunlife_vul/
21. https://www.reddit.com/r/phinvest/comments/koi1e8/should_i_really_cancel_my_vul_and_btid_or_buy/
22. https://www.reddit.com/r/phinvest/comments/htcp3o/should_i_cancel_my_vul_prulife/
23. https://www.reddit.com/r/phinvest/comments/hx4rjf/to_cancel_this_vul_or_not/
24. https://www.reddit.com/r/phinvest/comments/h9zmnx/help_should_i_cancel_my_vul/
25. https://www.reddit.com/r/phinvest/comments/iv0486/vul_is_not_that_bad_but_i_cancelled_my_matured/
26. https://www.reddit.com/r/phinvest/comments/dxrk2d/should_i_cancel_my_vul/
27. https://www.reddit.com/r/phinvest/comments/fnw9x3/should_i_cancel_my_vul_please_help_for_my_sanity/

For insurance recommendations, please see threads like these (scroll to the relevant portion):

Term insurance:

1. https://www.reddit.com/r/phinvest/comments/110jutg/as_this_sub_veers_away_from_vuls_may_i_ask_what/
2. https://www.reddit.com/r/phinvest/comments/vyt1fz/recommended_term_insurance/
3. https://www.reddit.com/r/phinvest/comments/vrxtml/term_insurance_options_with_ci_and_accident/
4. https://www.reddit.com/r/phinvest/comments/vgln4f/recommend_a_term_insurance_for_me/
5. https://www.reddit.com/r/phinvest/comments/awvhdd/term_insurance_options/
6. https://www.reddit.com/r/phinvest/comments/ii9bag/term_insurance_with_health_protection/
7. https://www.reddit.com/r/phinvest/comments/saw819/whole_life_or_term_insurance_products_in_ph/
8. https://www.reddit.com/r/phinvest/comments/wcim2e/best_term_insurance_to_prepare_for_cancer/
9. https://www.reddit.com/r/phinvest/comments/ygol6w/best_life_insurance/

HMO/Health insurance:

1. https://www.reddit.com/r/phinvest/comments/v00s37/hmoinsurance_for_a_family_of_5/
2. https://www.reddit.com/r/phinvest/comments/w1ikxv/early_30s_health_insurance/
3. https://www.reddit.com/r/phinvest/comments/uxyd0m/is_it_practical_for_me_to_get_health_insurance/
4. https://www.reddit.com/r/phinvest/comments/1172ld4/selfemployed_one_of_my_clients_willing_to_pay_for/
5. https://www.reddit.com/r/phinvest/comments/rdvhjq/any_recommended_hmo_provider/
6. https://www.reddit.com/r/phinvest/comments/p993f6/whats_your_medicalhmohospitalization_coverage/
7. https://www.reddit.com/r/phinvest/comments/ovp4l6/hmo_or_medical_insurance_25_f_nonsmoker/
8. https://www.reddit.com/r/phinvest/comments/ol9p83/can_you_guys_recommend_an_hmo_for_me/
9. https://www.reddit.com/r/phinvest/comments/r5n8dy/is_there_such_a_thing_as_hmo_and_insurance_in_one/
10. https://www.reddit.com/r/phinvest/comments/q5gm91/medical_insurance_hmo_for_fianc%C3%A9e_confusion_about/
11. https://www.reddit.com/r/phinvest/comments/o8b8mo/should_i_add_up_on_my_existing_health_insurance/
12. https://www.reddit.com/r/phinvest/comments/p1lpy8/hmoinsurance_with_the_best_coveragecovid_coverage/
13. https://www.reddit.com/r/phinvest/comments/nahjvw/prepaid_hmo_for_freelancersselfemployed/
14. https://www.reddit.com/r/phinvest/comments/ntgd81/hmo_or_health_insurance_reccomendations_for/
15. https://www.reddit.com/r/phinvest/comments/nctbi9/most_costeffective_medical_insurance_hmo_combo/
16. https://www.reddit.com/r/phinvest/comments/w63yvm/health_insurance_for_students/
17. https://www.reddit.com/r/phinvest/comments/wdeqkf/axa_or_pacific_cross_review/
18. https://www.reddit.com/r/phinvest/comments/wx51cb/things_to_consider_before_getting_a_medical/
19. https://www.reddit.com/r/phinvest/comments/x3n1e2/what_are_your_worst_experiences_with_hmoshealth/
20. https://www.reddit.com/r/phinvest/comments/wwbf4r/health_insurance_for_late_20s_stay_at_home/
21. https://www.reddit.com/r/phinvest/comments/xc8m4k/health_insurance_for_students/
22. https://www.reddit.com/r/phinvest/comments/xbdxdf/health_insurance_hmo_for_20year_old_self_employed/
23. https://www.reddit.com/r/phinvest/comments/xd39nj/health_insurance_thinggy_gulong_gulo_ako/
24. https://www.reddit.com/r/phinvest/comments/y89cyk/health_insurance_for_a_parent_would_you_recommend/
25. https://www.reddit.com/r/phinvest/comments/yc29o2/looking_for_a_hmo_company/
26. https://www.reddit.com/r/phinvest/comments/yec4rj/which_hmo_is_the_best/
27. https://www.reddit.com/r/phinvest/comments/ymruj1/at_what_age_is_it_best_to_start_investing_in_a/
28. https://www.reddit.com/r/phinvest/comments/10aoskf/lifecritical_illness_insurance_alongisde_my_hmo/
29. https://www.reddit.com/r/phinvest/comments/10p5c4t/prepaid_health_cardshmo/

Whole Life insurance:

1. https://www.reddit.com/r/phinvest/comments/w54dyz/whole_life_insurance_recommendations/
2. https://www.reddit.com/r/phinvest/comments/x2w22n/term_health_insurance_or_whole_life/
3. https://www.reddit.com/r/phinvest/comments/wotn0o/joint_health_carewhole_life_insurance_for_married/
4. https://www.reddit.com/r/phinvest/comments/vruenp/vul_to_whole_life_insurance/
5. https://www.reddit.com/r/phinvest/comments/rudata/term_vs_whole_life_dilemma/
6. https://www.reddit.com/r/phinvest/comments/mpn52b/cheaper_whole_life_20_payinsurance/
7. https://www.reddit.com/r/phinvest/comments/jh623i/best_whole_life_insurance_that_includes_ci_and/
8. https://www.reddit.com/r/phinvest/comments/gv4yqv/thoughts_on_whole_life_critical_illness_insurance/
9. https://www.reddit.com/r/phinvest/comments/i1kr0b/whole_life_insurance/
10. https://www.reddit.com/r/phinvest/comments/hp775s/getting_term_vs_whole_life_insurance/

HMO for old people:

1. https://www.reddit.com/r/phinvest/comments/ynkj3w/what_is_the_best_hmohealth_insurance_for_65_year/
2. https://www.reddit.com/r/phinvest/comments/vzq79i/how_to_save_up_for_senior_parents_future_hospital/
3. https://www.reddit.com/r/phinvest/comments/ui4fcc/hmo_for_senior_citizens_over_65/
4. https://www.reddit.com/r/phinvest/comments/nftde8/hmo_for_senior_citizen/
5. https://www.reddit.com/r/phinvest/comments/neifc1/best_health_care_insurancehmo_for_senior_citizen/
6. https://www.reddit.com/r/phinvest/comments/imwvm5/insurance_and_hmo_for_senior_parents/
7. https://www.reddit.com/r/phinvest/comments/ejhvit/hmo_for_almost_senior_parents/
8. https://www.reddit.com/r/phinvest/comments/d31odo/hmo_for_60_yo_and_above/
9. https://www.reddit.com/r/phinvest/comments/10k7l4y/best_health_insurance_in_the_ph/

Insurance for old people:

1. https://www.reddit.com/r/phinvest/comments/11fqxej/health_insurance_provider_in_the_philippines/
2. https://www.reddit.com/r/phinvest/comments/nxz6lu/health_insurance_for_senior_citizens/
3. https://www.reddit.com/r/phinvest/comments/ovuxsn/how_do_filipinos_buy_health_insurance_for/
4. https://www.reddit.com/r/phinvest/comments/ln8esp/health_insurance_for_seniors/
5. https://www.reddit.com/r/phinvest/comments/ltfuv9/life_insurance_for_seniors/
6. https://www.reddit.com/r/phinvest/comments/o2b3ew/insurance_for_m57_f62/
7. https://www.reddit.com/r/phinvest/comments/jhj2ed/health_insurance_for_my_parents/
8. https://www.reddit.com/r/phinvest/comments/ie9i9f/insurance_for_60_old_parents/
9. https://www.reddit.com/r/phinvest/comments/wvlkkf/best_health_insurance_for_almost_senior_parents/
10. https://www.reddit.com/r/phinvest/comments/wn7lw7/alternative_to_getting_health_insurance_for/
11. https://www.reddit.com/r/phinvest/comments/wwkheq/are_there_health_insurances_for_seniors/
12. https://www.reddit.com/r/phinvest/comments/yuahzy/what_insurance_to_get_for_my_parents/
13. https://www.reddit.com/r/phinvest/comments/10dsvw1/i_love_my_parents_but_i_know_someday_they_will_be/

Insurance for OFWs:

1. https://www.reddit.com/r/phinvest/comments/zo1nzr/ofw_insurance/
2. https://www.reddit.com/r/phinvest/comments/vvswt0/insurance_for_ofw/