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Franz Herbich healt insurance Philippines

About Me

My name is Franz and I am half German and half Filipino , i have been living in the Philippines for the past 9 years. But I was born and raised in Munich Germany. I  speak English, Cebuano and of course,  German .  which helps a lot in managing official matters and client communication.

“It pays to plan ahead. It wasn't raining when Noah built the ark.”

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