With his pride and joy, from left, Geo and Angela Mallillin-Galisim; Mallillin and wife Rose, Francis and Cara Mallillin and son Ali and Juan Miguel.
Insurance is more of a payment in benefits. The increase in capital assures there is enough capacity from insurance companies to pay the insured. The more capital you have, the better resources you have, the better services you give, Mallillin says.