What does your family’s future look like? Whether it’s your child graduating with honors, your dream business taking off, or walking down the aisle with your soulmate, one thing is certain: securing your family’s future begins with smart financial planning, starting with an emergency fund.

Having an emergency fund in place provides peace of mind, knowing that your loved ones are financially protected during unexpected events, like sickness or emergencies. This foundational security gives your family the confidence to take the next step toward their dreams.

But financial protection doesn’t stop at savings. Combining your emergency fund with life insurance is crucial for safeguarding your loved ones from financial strain during difficult times. By having both, you ensure your family relies less on the emergency fund and more on comprehensive protection.

With BDO, you can add an extra layer of security for your family’s financial future. When you open a BDO Smart Checking, ATM Savings, Passbook Savings, or Peso Checking account, you receive free life insurance coverage of up to P3 million. Simply maintain the required minimum initial deposit for up to six months, and you’re covered. Plus, there are no medical exams required, making it fast and easy to get started.

As you build your family’s emergency fund, here are some important tips to consider:

• Size matters: The larger the family, the larger the emergency fund. A general recommendation is three to six months’ worth of living expenses. For bigger families, consider increasing that amount to 12 months.
• Start early: The earlier you plan, the better. Ideally, discuss your emergency fund with your partner before starting a family.
• Separate fund: It’s helpful to have a dedicated emergency fund for the family, separate from your personal emergency savings. This helps manage household expenses and handle more significant financial needs.
• Accessibility and security: Your emergency fund should be easy to access, without long processes like liquidating assets. With a trusted bank like BDO, your money is secure and protected.

When taking steps to secure your family’s future, choosing the right bank is crucial. BDO’s commitment to financial care makes them the ideal partner in your journey toward a worry-free future.

Take advantage of this limited-time offer until May 15, 2025. Visit your nearest BDO branch or go to www.bdo.com.ph to start today.