• A Whole life 12 years to pay plan that provides lifetime protection.
  • With increasing cash values starting on the 2nd policy year that can be used for emergency purposes. You can avail of policy loan up to 86% of the earned cash values.
  • With built-in TERMINAL ILLNESS BENEFIT that advances 50% of the insurance coverage or a maximum of Php2,000,000 if the Insured is diagnosed with terminal or dreaded disease. This benefit covers the Insured up to age 65.

PRODUCT FEATURES

It is best to attach any of the following riders that provide additional benefits for a minimal additional premium:

  • WAIVER OF PREMIUM DUE TO PERMANENT DISABILITY UP TO AGE 60 - This rider provides for waiver of total unpaid premiums if the Insured becomes totally and permanently disabled. Attach this rider if you?re between18 to 55 years old.
  • ACCIDENTAL DEATH BENEFIT UP TO AGE 65 - This rider will provide the beneficiary 200% of the insurance coverage if the Insured's death is due to an accident. This benefit will be given if death occurs within180 days from date of accident. Attach this rider if you're between10 to 64 years old.
  • HDIB 10-65 -One unit of this Hospitalization Daily Income Benefit rider provides the following benefits:
    • you will receive Php450 per day of confinement for a maximum period of 365 days.
    • if any surgical operation named in the Schedule of Surgical Operations is performed on you, you will receive as much as Php10,000.00

      You can enjoy these benefits every year until you reach age 65 by conveniently paying for only 10 years. Attach this rider if you're between 20 to 55 years old you can avail as much as 4 units of this rider.

  • Medi C.A.S.H. -One unit of this Hospitalization rider provides the following benefits:
    • You will receive 500 or 1,000 per day of confinement,  maximum of 45 days per illness, to a total of 180 days per year.
    • If you're confined due to a Dreaded Disease and/or in an ICU, you will receive 1,000 or 2,000 per day to a maximum of 15 days per confinement to a total of 60 days per year.
    • If any surgical operations is performed on you, you will receive Php5,000 or Php10,000.

      Attach this rider if you're between 20 to 55 years old & have a hospitalization coverage during paying period or up to age 55, whichever comes first.

  • PAYOR'S CLAUSE -This rider will waive all premiums due on the policy upon death or disability of the payor in order to provide continuous coverage on the life of the child. This rider is only in conjunction with an insurance on the life of the child aged 17 and below.

    The coverage of this rider shall automatically be terminated when the child reaches age 21. This rider can be attached if the payor is aged 18 to 62 for Payor's Clause and 18 to 57 for Payor's Clause with waiver of premium due to disability.
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