Product highlights

High protection coverage

No surrender charges

Product details

Payment term

Whole life (payable for the entire life span until age 100)

Coverage period

Up to age 100

Issue age

0 (7 days) to 70 years old

Limits

Premium starts at PhP 15,000 or USD 580

Maturity benefit

Sum assured plus fund value

Death benefit

In the event of death of the life insured, the sum of the following is payable:

a. sum assured;
b. value of units in the policy; and
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

Core benefits
  • Death benefit which is equal to the sum assured plus the fund value
  • Accelerated Total and Permanent Disability - a cash benefit deducted from the base plan and paid in advance in case of sickness or injury that may make the insured unable to work or never be able to work again, or require constant assistance even in basic activities such as moving, bathing, and feeding
  • Accidental Death and Disablement - an additional cash benefit in case the insured meets an accident that resulted to death or disability

Protection against accident, death, and disability:

  • Future Safe - a benefit that provides a guaranteed five percent (5%) increase in base plan coverage compounded every policy anniversary starting immediately on the rider effectivity date. The benefit amount will continue to increase until it reaches the maximum benefit amount of fifty percent (50%) of the base plan coverage.
  • Personal Accident - a comprehensive accident rider that gives cash benefit in the event the insured suffers injuries, disability or death due to accidents
  • Payor Term– additional cash benefit if the payor dies
  • Payor Waiver– a benefit that waives those insured aged 25 and below from paying the premium of the policy if the payor dies or becomes totally and permanently disabled
  • Waiver of Premium on Total and Permanent Disability– a benefit that waives the insured from paying succeeding premiums if he/she suffers from sickness or injury that may make him/her unable to work again, or require constant assistance even in basic activities such as moving, bathing, and feeding

Protection against critical illness:

  • Life Care Benefit – a cash benefit deducted from the base plan and paid in advance in case the insured is diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered
  • Life Care Plus – a cash benefit paid to the insured who has been diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered
  • Life Care Advance Plus – a cash benefit of 25% of the rider benefit amount paid in advance if the insured is diagnosed with any of the 10 identified early stage critical illnesses. This can be availed up to four (4) times if it is for different early stage conditions.
  • Multiple Life Care Plus – a cash benefit given if the insured is diagnosed with or has undergone surgery due to any of the 36 listed critical illnesses. This can be availed up to three (3) times, provided the illnesses fall in separate categories defined by this rider.
  • Life Care Waiver – a benefit that waives the insured from paying succeeding premiums if he/she has been diagnosed with a critical illness or has undergone surgery due to critical illness

Protection against hospital expenses:

  • Hospital Income – cash benefit for each day of hospital confinement due to injury or illness. May be upgraded by adding other riders such as: Intensive Care Unit Benefit, Long-Term Hospitalization Benefit, and Surgical Expense Reimbursement

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