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SUBJECT: The Concept of Open Policy vs Valued Policy I. This memorandum addresses the fundamental distinction in Philippine insurance law between an “open policy” and a […]

SUBJECT: The Principle of Subrogation in Insurance I. Introduction The principle of subrogation is a fundamental doctrine in insurance law, serving as a cornerstone of indemnity […]

SUBJECT: Double Insurance vs Over-Insurance I. Statement of Issues This memorandum examines the distinction between double insurance and over-insurance under Philippine insurance law, the legal consequences […]

SUBJECT: The Concept of Incontestability Clause I. Introduction The incontestability clause is a fundamental and mandatory provision in Philippine insurance law designed to promote stability and […]

SUBJECT: Concealment and Misrepresentation in Insurance I. This memorandum addresses the legal principles, consequences, and practical remedies concerning concealment and misrepresentation under Philippine insurance law, primarily […]

SUBJECT: The Doctrine of Utmost Good Faith (Uberrimae Fidei) I. Introduction and Nature of the Doctrine. The Doctrine of Utmost Good Faith (Uberrimae Fidei) is a […]

SUBJECT: Insurable Interest in Life vs Property I. Introduction and Issue Presented This memorandum examines the critical distinction between insurable interest in life insurance and insurable […]