Benefits you can count on

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    Guaranteed 11% annual payouts

    Starting end of year 3 until maturity designed to support your lifestyle needs and milestones​

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    Guaranteed full premium return at maturity

    Giving you confidence that your wealth is preserved

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    Life insurance coverage

    Beneficiaries will receive 220% of the annual premium as life insurance coverage when the life insured dies within 10-year policy term except if death is due to non-accidental causes. ​If non-accidental death happens within the first two (2) years, beneficiaries will receive death benefit equal to total premiums paid. ​

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    Guaranteed insurability offer

    Get the policy without the hassle of medical exam

Life insurance protection may vary based on the cause of death within the first two (2) years from policy issuance. Payout is based on the annual premium while maturity benefit is based on the total annual premium. These are payable only if the insured is alive and the policy is in force at each policy anniversary and at maturity. Outstanding policy loans will be deducted from any benefits payable. ​

Product terms and conditions apply.​

Learn more about the product


  1. Death Benefit – your beneficiaries will receive 220% of the annual premium as life insurance coverage when the life insured dies within 10-year policy term except if death is due to non-accidental causes.  ​If non-accidental death happens within the first two (2) years from policy issuance date or last reinstatement date, beneficiaries will receive death benefit equal to total premiums paid.

  2. Maturity Benefit – you will receive 100% of the total annual premium paid if you ( the life insured) is alive and the policy remains in-force at the end of the 10-year coverage period. Outstanding policy loans and interest, if any, will be deducted. ​

  3. Guaranteed Annual Payouts – you will get guaranteed payout equal to 11% of the annual premium and payable every policy anniversary until policy maturity starting from the end of year 3, as long as the life insured is alive. This may be reduced by any outstanding policy loans and accrued interest.

  4. ​Guaranteed Insurability Offer– you will enjoy a straightforward and hassle-free application, making it easier to secure coverage quickly without the hassle of medical exam.

Product Features

Payment term ​
2-pay term​

Payment frequency​
Annual, semi-annual, quarterly, and monthly​

Duration of coverage​
10 years​

Age requirement​
Insured: 0 (7 days) to 70 years old​
Policy owner: at least 18 years old​

Minimum sum assured:​
PHP 250,000