The demise of a Bread winner results in the loss of an income-source to sustain a family’s quality of life. Life insurance guarantees the payment of cash funds to loved ones for family income continuity

Spot Cash (Ipon Yaman)

-Two(2) Pay Life

Family Fund Builder

(Brochure)

This plan is a limited pay life plan (2 years to pay) but can be paid thru Spot Cash that gives our policy holder a discount on their premium payment.A “one-time” payment that would make the policy fully paid.

It provides the following:
– lifetime insurance protection
– guaranteed cash value accumulation that may be availed of thru policy loan for any cash needs.
– share in the company’s divisible surplus and earns dividends that can be withdrawn by the policy holder or can be left with the company to accumulate interest. However, dividends are not guaranteed.

Member’s Eligibility
– 1 to 70 years old (age as of the nearest birthday)
— 56 and above are required to undergo the medical exam

Juvenile Insured
– Minor member who is covered by the plan
– 0 to 17 years old
– Payor should be 18-60 years old

Minimum amount of coverage:
– P50,000.00

Maximum amount of coverage:
– Depending on the financial Underwriting

Riders that can be attached
– Accidental Death Benefit(ADB)

Spot Cash (Lipat Yaman)

Money Value Plus (MVP 2/7)
Children’s Fund Builder

Money Value Plus Plans provide lump sum maturity benefit payments at the end of the 7th year, and lifetime protection from issue date. Premiums can be paid thru Spot Cash that gives our policy holder a discount on their premium payment. A “one-time” payment that would make the policy fully paid.

1. Entry age is 30 days up to 70 years old short payment period, and level amount of lifetime insurance protection from issue date.

2. Guaranteed Maturity Values equivalent to the amount of insurance will be paid to the policy owner if the insured survives the end of the maturity period chosen.

3. After maturity, guaranteed cash values will continue to accumulate during insured’s lifetime.

A free Cash Benefit will be given on the 6th month as additional feature.
1. P1,000.00 for face amounts of less than P500,000.00
2. P5,000.00for face amounts of P500,000.00 and up

Member’s Eligibility
-0 to 70 years old(age as of the nearest birthday)
-56 and above are required to undergo the medical exam

Juvenile Insured
-Minor member who is covered by the plan
-0 to 17 years old
-Payor should be 18-60 years old

Minimum amount of coverage:
-P50,000.00

Maximum amount of coverage:
-Depending on the financial Underwriting

MVP Plans Package Riders
-Waiver of Premium due to Disability (WPD)
-Accidental Death Benefit (ADB)
-Pure Endowment Rider(PER)
-Contingency Fund(CF)

Limited Pay Whole Life Plans

-Two (2) Pay Life,Participating
-Five (5) Pay Life,Participating
-Ten (10) Pay Life, Non-Participating

Limited pay life plans provide lifetime insurance protection,and the shortest paying period of only 2,5 or 10 years..After 2, 5 or 10 years, the policy becomes fully paid-up and life insurance coverage continues for life.

Guaranteed cash values accumulate during the insured’s lifetime.These may be availed of thru a policy loan for any cash needs. The amount of coverage,net of any policy loan, plus accumulated dividends will be paid to the insured’s designated beneficiaries in case the insured dies by natural or accidental causes. The 2/5 Pay plans share in the company’s divisible surplus income and are credited with annual dividends after the 1st or 2nd year,which may be left with the company to accumulate. Dividends are not guaranteed.

Member’s Eligibility
– 1 to 70 years old(age as of the nearest birthday)
– 56 and above are required to undergo the medical exam

Juvenile Insured
– Minor member who is covered by the plan
– 0 to 17 years old
– Payor should be 18-60 years old

Minimum amount of coverage:
– P50,000.00

Maximum amount of coverage:
– Depending on the financial Underwriting

Riders that can be attached
– Waiver of Premium due to Disability(WPD)
– Accidental Death Benefit(ADB)
– Special Accident Rider(SAR)
– Special Accident Rider with Disability Indemnity(SARDI)
– Payor’s Clause(PC)