Average Insurance Sales Director Salary in Cebu, Philippines for 2026

In this article, we will look at the average Insurance Sales Director salary for 2026 in Cebu and how that compares to other countries and professions. We'll also look at interesting salary data points like median salary, 25th and 75th percentile salaries, salary amounts based on experience, bonus ranges and more!

The data in this article has been compiled using official government salary data, salary surveys, and other sources such as job postings which contain salary information.

All salary information is in the local currency, which is the Philippine peso. To keep things simple, we are using the PHP currency code instead of the currency symbol ₱.

How Much Does an Insurance Sales Director Make in Cebu?

An Insurance Sales Director working in Cebu will typically earn around 978,900 PHP per year, and this can range from the lowest average salary of about 489,500 PHP to the highest average salary of 1,524,300 PHP.

Average Annual Salary978,900 PHP

Average Monthly Salary81,575 PHP

Average Lowest Salary489,500 PHP

Lowest Monthly Salary40,791 PHP

Average Highest Salary1,524,300 PHP

Highest Monthly Salary127,025 PHP

These are average salaries for an Insurance Sales Director in Cebu and include benefits such as housing and transport. It's also possible for an Insurance Sales Director to earn more or less than the average salaries shown above.

Insurance Sales Director salaries will vary a lot based on your experience, location, skills, and gender. Keep reading below to research more data on each of these areas.

Distribution of Insurance Sales Director Salaries in Cebu

So we've looked at the average salaries an Insurance Sales Director will earn in Cebu. The next interesting data point is the distribution of salaries.

Salary ranges

We already know that an Insurance Sales Director can earn between 489,500 PHP and 1,524,300 PHP on average in Cebu. This is known as the range in statistics.

The difference between the maximum and minimum values is a good indicator of variability in salaries, and can be used by employers to figure out how much they can expect to pay, and for employees to know how much they can earn.

Median salary

The median salary for an Insurance Sales Director in Cebu is 978,900 PHP. This is the middle value in the distribution of salaries.

What this means is that approximately 50% of the population earn less than 978,900 PHP, and 50% of the population earn more than 978,900 PHP.

If you are earning more than the median salary, that's a good indicator that you are being paid well.

If you're not earning more than the median salary, your objective should be to increase your earnings to be at least as high as the median salary (which you can do by asking for a pay rise, looking for a better paying job, etc).

Percentiles

Percentiles are similar to the median salary, but instead of looking at the middle value, they look at the values in the top and bottom half of the distribution.

For the average Insurance Sales Director salary in Cebu, 25% of the population are earning less than 660,500 PHP while 75% of the population earn more than 660,500 PHP.

75% of the population earn less than 1,249,900 PHP, and 25% of the population earn more than 1,249,900 PHP.

Like the median salary, the 25th and 75th percentile salaries can be used to determine which quartile you fall into so that you know whether you are being paid well enough compared to others in your profession and location.

The difference between a median and an average salary

The median and average salary are both indicators you can use to see if you are being paid fairly based on the overall population.

If your salary is higher than the average and the median salary, you are earning well compared to others.
If your salary is lower than the average and the median salary, it could indicate you are not being paid well enough.
If you are somewhere in between then it's tricky to determine if you are being paid well enough and you might need to research more closely.

Insurance Sales Director Salary by Experience Level in Cebu

The most important factor in determining your salary after the specific profession is the number of years experience you have. It stands to reason that more years of experience will result in a higher wage.

We have researched the average Insurance Sales Director salary based on years of experience to give you an idea of how the average changes once you've worked for a certain amount of time.

0 - 2 Years Experience. An Insurance Sales Director in Cebu that has less than two years of experience can expect to earn somewhere in the region of 587,800 PHP.
2 - 5 Years Experience. With two to five years of experience the average Insurance Sales Director salary would increase to 778,900 PHP.
5 - 10 Years Experience. From five to ten years of experience as an Insurance Sales Director, the average salary would be 1,042,000 PHP.
10 - 15 Years Experience. Once you have more than ten years of experience the average salary reaches around 1,235,600 PHP.
15 - 20 Years Experience. An Insurance Sales Director with 15 to 20 years of experience can earn an average of 1,345,400 PHP.
20+ Years Experience. For an Insurance Sales Director with more than 20 years, the expected average salary increases to 1,440,700 PHP.

Average Salary by Experience Chart

0-2 Years	-	587,800 PHP
2-5 Years	+32%	778,900 PHP
5-10 Years	+34%	1,042,000 PHP
10-15 Years	+19%	1,235,600 PHP
15-20 Years	+8%	1,345,400 PHP
20+ Years	+7%	1,440,700 PHP

Insurance Sales Director Salary by Education Level in Cebu

As well as experience in a job, your education plays a big role in how much you can earn. A lot of higher paying positions require a high level of education, but how much can a degree increase your salary?

In our research we have compared the salaries of employees in the same job and career level with different levels of education to see how much more you can earn at each education level.

The salary you can earn based on your education is very specific to both your location and the career path you choose.

In our research, we looked at the average salary for an Insurance Sales Director in Cebu based on the education level of the employees in order to find out whether a better education level would increase your salary.

Bachelor's Degree. An Insurance Sales Director in Cebu with a bachelor's degree education can earn an average salary of 840,800 PHP.
Master's Degree. An Insurance Sales Director in Cebu with a master's degree education can earn an average salary of 1,320,500 PHP.

Average Salary by Education Chart

Bachelor's Degree	-	840,800 PHP
Master's Degree	+58%	1,320,500 PHP

How Much is a Master's Degree or MBA Program?

The approximate cost of a master's degree or post-graduate program like an MBA in Philippines is around 223,000 to 669,000 PHP and takes two years to complete.

As you can see above, there are financial benefits from reaching master's degree level, but don't expect to see much of a salary increase until you have completed the degree.

It's common for people to pursue an MBA or other post-graduate program in order to switch to a a job that pays more. On average, you can expect to earn around 10% more when switching to a new company.

Whether you decide to pursue a master's degree depends on many factors. If you are able to afford it, the numbers suggest that the return on investment is worth it and you could recover the costs in a few years from the salary increase you would receive.

Insurance Sales Director Salary Compared by Gender

In the modern age, we know that there should never be a pay gap between men and women. Unfortunately, in many professions, there is still a significant difference between the salaries earned by men when compared to the salary of women in the same job.

In Cebu, a male insurance sales director will earn an average of 874,300 PHP, while a female insurance sales director will earn around 759,300 PHP.

This means that a male insurance sales director earns approximately 15% more than a female insurance sales director for performing the same job.

Average Salary by Gender Chart in Cebu

Male	-	874,300 PHP
Female	-15%	759,300 PHP

Insurance Sales Director Average Pay Raise in Cebu

In many countries, an annual pay raise is often given to employees to reward their service with a salary increase.

From our research, we can see that the average pay raise for an Insurance Sales Director in Cebu is around 12% every 20 months.

The national average pay raise across all professions and industries in Philippines is around 8% every 18 months.

In this case, we can see that the number of months between the average pay raise is higher than the typical 12 months.

To make the data more meaningful, we can calculate what the approximate annual pay raise would be using a simple formula:

Annual Increase = ( Increase Rate ÷ Months ) × 12

So for this example, it would be:

Annual Increase = ( 12 ÷ 20 ) × 12  = 7%

What this means is that an Insurance Sales Director in Cebu can expect to receive an average pay raise of around 7% every 12 months.

Annual Pay Raise by Industry in Cebu for 2026

In the chart below, you can see the average annual pay raise percentages for each of the major industries in Philippines.

You will see that companies in bigger and more lucrative industries tend to have the higher annual pay raises.

Banking	-	9%
Energy	-	9%
Information Technology	-	9%
Healthcare	-	9%
Travel	-	9%
Construction	-	9%
Education	-	9%

Insurance Sales Director Bonus and Incentive Rates in Cebu

Another part of your overall compensation in a job is how much bonus you receive. Some job roles will be more likely to pay a bonus than others and also more likely to have higher bonus rates.

Generally speaking, jobs that are more involved with direct revenue generation will receive higher bonuses based on the performance towards revenue goals.

An Insurance Sales Director is a high bonus based job, with 84% of employees reporting at least one bonus in the last 12 months.

16% reported that they had not received any bonuses in the previous 12 months.

For the employees that did receive a bonus in the previous 12 months, the reported bonuses ranged from 5% to 9%.

Received Bonus	-	84%
No Bonus	-	16%

What are the Types of Bonus?

There are a number of difference types of bonus you can receive in a job. Including:

Individual performance bonus - This is a bonus that is awarded to an individual employee for general performance in the job. It's the most common type of bonus.
Company performance bonus - This is a bonus that is awarded to a company employees to share profit with the staff.
Goal based bonus - This is a bonus that is awarded to an individual employee (or a team) for achieving specific goals, objectives, or milestones.
Holiday bonus - This type of bonus is usually paid around the holidays, often the end of the year, and is a token of appreciation for the hard work throughout the year.

Government vs Private Sector Salaries

Another commonly asked question is whether you get paid a higher salary working in the public (government) sector or the private sector.

Public sector employees in Philippines earn approximately 12% more than private sector employees in the same role.

Public Sector	-	563,300 PHP
Private Sector	-12%	504,300 PHP

Salaries for Jobs Similar to an Insurance Sales Director

In the table below, we have salary information for jobs that are similar to an Insurance Sales Director in Cebu.

Job Title	Category	Salary
Actuarial Analyst	Insurance	689,900 PHP
Actuarial Assistant	Insurance	471,700 PHP
Actuarial Specialist	Insurance	513,300 PHP
Actuary	Insurance	672,600 PHP
Adjustment Insurance Clerk	Insurance	195,200 PHP
Assistant Broker	Insurance	330,700 PHP
Assistant Claims Manager	Insurance	559,000 PHP
Associate Insurance Representative	Insurance	283,400 PHP
Auditing Insurance Manager	Insurance	767,000 PHP
Broker	Insurance	504,300 PHP
Claim Advocacy Professional	Insurance	531,700 PHP
Claims Adjuster	Insurance	187,500 PHP
Claims Analyst	Insurance	279,400 PHP
Claims Examiner	Insurance	272,800 PHP
Claims Manager	Insurance	713,900 PHP
Claims Processor	Insurance	201,100 PHP
Claims Representative	Insurance	228,500 PHP
Claims Resolution Specialist	Insurance	555,800 PHP
Claims Supervisor	Insurance	524,400 PHP
Complaints Specialist	Insurance	504,400 PHP
Compliance Examiner	Insurance	476,600 PHP
Compliance Officer	Insurance	412,000 PHP
Compliance Reviewer	Insurance	504,500 PHP
Consultant	Insurance	501,400 PHP
Eligibility Interviewer	Insurance	582,700 PHP
Eligibility Specialist	Insurance	516,100 PHP
Insurance Account Manager	Insurance	619,000 PHP
Insurance Accounts Executive	Insurance	565,100 PHP
Insurance Adjuster	Insurance	492,400 PHP
Insurance Agent	Insurance	314,500 PHP
Insurance Analyst	Insurance	539,800 PHP
Insurance Appraiser	Insurance	539,700 PHP
Insurance Claims Clerk	Insurance	196,800 PHP
Insurance Examiner	Insurance	466,900 PHP
Insurance Investigator	Insurance	516,100 PHP
Insurance Manager	Insurance	890,700 PHP
Insurance Operations Manager	Insurance	938,700 PHP
Insurance Policy Processing Clerk	Insurance	197,600 PHP
Insurance Pricing Assistant	Insurance	428,400 PHP
Insurance Program Manager	Insurance	653,200 PHP
Insurance Project Manager	Insurance	641,900 PHP
Insurance Quality Assurance Agent	Insurance	437,300 PHP
Insurance Sales Agent	Insurance	308,900 PHP
Insurance Sales Manager	Insurance	653,200 PHP
Insurance Sales Representative	Insurance	261,300 PHP
Insurance Team Leader	Insurance	578,500 PHP
Insurance Underwriter	Insurance	394,300 PHP
Loss Control Specialist	Insurance	510,200 PHP
Loss Prevention Investigator	Insurance	533,000 PHP
Loss Prevention Manager	Insurance	727,400 PHP
Loss Prevention Specialist	Insurance	572,200 PHP
Marine Underwriter	Insurance	392,300 PHP
Medical Auditor	Insurance	524,700 PHP
Monitoring and Performance Officer	Insurance	378,800 PHP
Payment Services Specialist	Insurance	514,800 PHP
Policy Change Director	Insurance	836,800 PHP
Policy Change Supervisor	Insurance	559,000 PHP
Policy Change Technician	Insurance	243,000 PHP
Risk Analyst	Insurance	588,500 PHP
Risk Management Director	Insurance	987,200 PHP
Risk Management Supervisor	Insurance	683,800 PHP
Risk Manager	Insurance	991,000 PHP
Risk Modeling Manager	Insurance	965,000 PHP
Title Insurance Typist	Insurance	454,900 PHP
Training Manager	Insurance	574,200 PHP

Salary Comparison by City

If you want to compare salaries with different cities in Philippines, you can use the links below to explore the data for each specific city we have researched.

City	Average Salary
Antipolo	966,100 PHP
Cagayan de Oro	849,200 PHP
Dasmarinas	799,300 PHP
Davao	976,300 PHP
Kalookan	938,100 PHP
Las Pinas	823,900 PHP
Makati	858,100 PHP
Manila	1,006,300 PHP
Paranaque	890,700 PHP
Pasig	913,400 PHP
Quezon City	1,065,400 PHP
Taguig	915,100 PHP
Valenzuela	882,400 PHP

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