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85 seconds to midnight: Why PH insurance industry can no longer afford to be a bystander
WHEN the Bulletin of the Atomic Scientists moved the Doomsday Clock to 85 seconds to midnight on Jan. 27, 2026 — the closest it has ever been to global catastrophe — it was not merely updating a symbol. It was issuing an indictment. An indictment of failed leadership, collapsing cooperation, unmanaged technological risk and a global system increasingly unable to absorb shocks. For many, this warning will again feel abstract — another grim headline in an already anxious world.
Feb 124 min read


Closer to midnight? What 2026 Doomsday Clock should mean for PH insurance industry
By Michael F. Rellosa On January 27, 2026 , the world will again pause for an unusual ritual: the unveiling of the Doomsday Clock —a symbolic measure of how close humanity is to self-destruction. The Bulletin of the Atomic Scientists’ Science and Security Board , joined this year by Nobel Peace Prize laureate Maria Ressa , will announce the new setting and explain why the world is—or is not—moving closer to midnight. The question being asked is simple and unsettling: Will we
Jan 154 min read


Markus Lacanilao and the opportunity for collaborative, sustainable reform at LTO
THE appointment of Markus Lacanilao as the new chief of the Land Transportation Office (LTO) in October 2025 has been met with cautious optimism from many quarters. The LTO, an institution essential to the daily movement of millions of Filipinos, has long faced challenges relating to operational bottlenecks, legacy systems and public trust. Lacanilao’s entry into the agency brings with it not just new leadership but an opportunity to recalibrate priorities and strengthen long
Dec 18, 20254 min read


Opening a new frontier: Why PH nonlife insurance industry should embrace agriculture
THE invitation to the private nonlife insurance industry to join what has been a historically government-dominated terrain of agricultural risk is not just timely — it is essential. In the Philippines, the agricultural insurance sector has long been shouldered by the Philippine Crop Insurance Corp. (PCIC). But the government’s recent move to open the field to private insurers signals a paradigm shift — one that offers industry, farmers and the nation alike a meaningful chance
Nov 21, 20254 min read


Reclaiming our relevance: A call for renewal in the Philippine insurance industry
by Michael F. Rellosa As disruption reshapes the world of insurance, the Philippine Insurers and Reinsurers Association (PIRA) must evolve into a catalyst for innovation, collaboration and national resilience. OUR industry stands at a crossroads. The Philippine insurance sector, once viewed as stable and traditional, now faces a wave of disruption that tests its very foundations. Economic uncertainty, political scrutiny, climate risk, digital transformation and shifting custo
Oct 24, 20253 min read


Navigating an uncertain world: The insurance industry’s advice
By Michael F. Rellosa As I write, Typhoon Ragasa, the strongest typhoon anywhere in the world in 2025 thus far, made its power felt, with...
Sep 25, 20254 min read


Unlocking resilience: The future of agriculture insurance in PH
By Michael F. Rellosa Imagine being a farmer in the Philippines, your livelihood tied directly to the land, your family’s future...
Aug 28, 20253 min read


Our fading shield: Why a dimmer planet spells danger for every Filipino
By Michael F. Rellosa Weeks of rain drove me indoors and gave me time to read and watch. I came across an article on the scientific...
Jul 31, 20253 min read
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