Novel & Cerita Insurance Code Of The Philippines

Vier had her worst time when her father died. And as the oldest, she obliged herself to be the main provider of the family and to do this, she chose to end her relationship with Cloud, the man she wholeheartedly loved.  She accepted an offer to work abroad but a week before leaving the Philippines, she found out that she was pregnant and she's too sure that Cloud wouldn't let her leave so she just kept about it by herself for the sake of her dream and for her family.   But Cloud knew about it. Out of desperation, she just said that the child was gone. She saw and felt his madness that night.   Cloud thought that their child could bring Vier back to him but the baby was gone as Vier had told him. He felt death from that moment. He tried to survive from that nightmare Vier had created, but it seems like destiny won't allow him.

After ten years of silence, a call from the Philippines disrupts Katharina Esmeralda Grimaldi’s carefully constructed life. Once treated as a burden by her family, she fled their chains to carve out her destiny in Europe. Now a Duchess of Monaco and a powerhouse in the business world, Katharina has no intention of letting her past taint her success. But when the request comes for her to return, curiosity drives her to face the place she once called home. What could possibly demand her presence after a decade of independence? As she steps back into a world she vowed to leave behind, Katharina finds herself entangled in a shocking twist—a forced marriage to Rome Benjamin Azcárraga, the cold, enigmatic CEO of Asia’s largest shipping empire. Power collides with passion, and the stakes are higher than ever as Katharina navigates a dangerous game of love, revenge, and ambition. Will the Duchess who conquered Europe bow to her past, or will she rise even stronger?

Diego Reyes grew up in hardship, stretching his body in different types of jobs. At the age of twenty-five, Diego only graduated from high school, but that didn't stop him because he was gifted. Asher Sandoval, a brilliant lawyer. Grow up with gold and silver in the mouth. During his visit to the Philippines, Asher never thought he would see Diego...his missing twin brother. But their good meeting will end when Asher dies right in front of Diego. What will Diego do? How can it justify the brother's death? Diego will make a big decision that will change his life. Diego will use the persona of Asher Sandoval. He will do everything to give justice to Asher. But, Diego did not expect that his twin brother had a wife. But what surprised him more was that Bunny Smith was his wife. The famous model he had been fantasizing about for a long time. Oh God!

For the sake of her parents’ political ambition, Kiara Cervantes agreed to marry billionaire businessman Eliseo De Alba under a contract marriage. Habang hinihintay ni Eliseo ang babaeng tunay niyang mahal, magiging asawa muna niya si Kiara kapalit ng pagtulong nito sa campaign ng kanyang mga magulang. Akala ni Kiara ay natutunan na siyang mahalin ni Eliseo—until he handed her divorce papers. “I found the woman I want to marry. Sign this divorce and be gone.” Heartbroken, Kiara left without telling him she was pregnant. Years later, she returns to the Philippines as a world-famous model with their son by her side, unaware that Eliseo orchestrated everything just to bring her back into his life. But Eliseo never expected one thing—the little boy who would slowly become the bridge to winning Kiara’s heart again.

Pansamantalang umuwi si Ethan sa Mindanao kung saan siya lumaki upang takasan ang masalimuot niyang buhay pag-ibig sa Maynila. Tuluyan siyang nakipaghiwalay sa long time fiancée niyang si Klarissa nang mahuli niyang may kaniig ang nobya niya sa mismong bahay nito. Nasa beach resort siya habang nagpapalipas ng kaniyang sama ng loob at payapain sana ang kaniyang isipan. Subalit ang inakala niyang makakalimot siya sa pighating nararamdaman ay hindi pa pala. Mas lalong naging magulo ang buhay at isipan niya nang makilala niya si Rose na receptionist supervisor ng kaniyang private resort. Hindi lang iyon dahil sa una at pangalawang pagkukrus ng landas nila ay naging miserable na. Mas lalong kalunos-lunos ang pagtatagpo nila nang malaman niyang si Rose ang anak ng dati niyang foreman na nagtangka sa pera niya at namatay tatlong buwan na ang nakararaan. Ngayon, kailangan din niyang harapin ang dalaga sa kadahilanang kinukuha nito ang karapatan sa insurance money ng yumao nitong ama. Subalit ayaw niyang ipagkaloob ito sa dalaga ng ganoon na lamang at isa lamang ang naisip niya. He offered her to be his woman, his bedmate and shared his savage and lonely nights.

GUIECO CLAN SERIES #3 Kenshane Guieco, an International School teacher and a secret agent from the Guieco Clan, finds herself facing karma for having once played dirty to achieve her desires. Unbeknownst to everyone, years ago in New York City, she was betrayed by her ex-boyfriend, who got involved with her best friend. In response, she sought revenge by using the most attractive guy from her college, Faller Coleman. She successfully executed her plan and, subsequently, returned to the Philippines to put it all behind her. However, fate, with its mischievous twists, reunited her with Faller Coleman, this time as colleagues and co-agents. It was in this new context that she began to fall deeply in love with him. She understood that she might never be forgiven, and Faller might never want her again due to her past college mistake. Yet, she continued to pursue him. How far is she willing to go to win back his heart? Will she persevere in her feelings, or will she give up?

Zaeia is an innocent girl who has only ever dreamed of a happy ending love story ascertained her fiance is having an affair with her sister before their wedding day. She was heartbroken, desiring to die because she realized her fairytale love story was nothing more than a charade. Her ex-boyfriend Duke from college spotted her drowning herself in a nightclub. He helped Zaeia, but Zaeia was drunk and didn't realize what she was doing. She passionately kissed him. That night, they had a romance. Zaeia's awareness of what they had done led her to travel to the United States. But later, found out she was expecting twins. After three years, she decided to return to the Philippines, only to find out that Duke was already married. Then, Adonis, her ex-fiance, pursues her again after his separation from Zaeia's sister. How will Zaeia handle such a situation? Will she give her fairytale love story a second chance? Or a complete family for her kids?

Juana Escarzega, a savvy businesswoman, returns to her family's hacienda in the Philippines, stirring whispers of memories, sa paniniwalang ito ang magiging pahinga niya sa mga problemang tiniis niya sa Canada. Amidst the embrace of the cold sea breeze, she’s back to confront the memories she left behind. Especially her forgotten relationship with Izo Eloje Frentones Jr. In the centre of Samar's social whirlwind, old flames flicker, and family ties tighten. Nang magkaharap ang dalawa, tila bumalik ang mga ala-ala at humapdi ang mga sugat na matagal nilang ikinubli. Drawn back by Izo's magnetic pull, Juana faces their shared past, grappling with passion and pain. With the circling rumours and lurking secrets, they must decide. Isugal ang lahat, o baguhin ang tadhana. Against the stunning coastline, they confront their feelings and the harsh world's realities. Can they overcome obstacles and find forgiveness, or will they discover a different kind of love's liberation?

       Adalina Alvarez - she's a filipino-spanish model from Spain. Adalina is a self-centered brat, she thinks highly of herself and can easily get everything she wants with just a flick of her fingers. Until her parents sent her to the Philippines for some reason.        In an instant, Adalina's life changed. Napilitan siyang mamasukan bilang personal maid ng isang kilalang business tycoon. Huli na nang malaman niyang si Liam Decker ang lalaking pagsisilbihan niya. Kilala ni Adalina ang lalaki, alam niyang sasamantalahin nito ang sitwasyon niya upang gantihan siya sa kasalanang ginawa niya noon dito.        And now, Adalina has to live with and tolerate Liam's grumpy version. But she suddenly finds herself slowly falling in love with him...        But a fact pulls Adalina back to the reality that she and Liam are not meant for each other, dahil mayroon ng nagmamay-ari sa puso ng binata at hindi siya ang babaeng 'yon.

"The First Lady of this country is a total fraud. And unfortunately, I am that fraud." Karenina’s life changed overnight when her family forced her into the ultimate deception: step into the shoes of her identical twin sister, walk into the presidential palace, and play the role of the nation’s First Lady. Her husband? The newly elected, powerful, and ruthless President of the Philippines—Lisandro Altagracia. It was supposed to be a flawless mission. Magpanggap, protektahan ang pamilya, at huwag magpapadala sa laro ng kapangyarihan. Ngunit paano mo babalikan at pakikisamahan ang isang asawang kailanman ay hindi naman naging sa 'yo? As the spotlight burns brighter, the national lie begins to crumble. Lisandro is starting to notice the subtle changes in his "wife," closing in on her real identity chapter by chapter. But the real danger isn't getting caught... it's the fact that Karenina is slowly falling for the very man she is destined to deceive. Can she survive the palace walls when the President decides to claim his counterfeit wife—body and soul?