Being without life insurance can be risky. The death or catastrophic illness of a breadwinner can jeopardize a family's future and children's education. Sun Life Financial -- Philippines (SLFP) noted that market penetration rates for life insurance in the Philippines declined steadily from 18.3% in 2003 to 12.13% in 2006, reflecting the low appreciation Filipinos accorded to life insurance and financial planning. The company realized that although its products and services remained relevant, it had to find a way to make Filipinos recognize their insurance and financial planning needs, and understand how SLFP could help. The solution, developed in 2008, was an online educational communication tool called the Financial Explorer's Quiz (FEQ). The FEQ required five basic pieces of information from a user: age, gender, smoking habits, gross monthly expenses and the ages of his or her children. With this information, hitting the "calculate" button would compute the user's retirement, education and life insurance/income replacement needs in Philippine pesos.