Plans
Pick the right cover
Term life and variable life options. ₱2M baseline cover from ₱1,200/month for healthy 30-year-olds. Riders for critical illness, accidents, and waiver of premium.
Critical illness lump-sum payouts (cancer, stroke, heart attack). Covers gaps in your company HMO — international hospitals, second opinions, recovery support.
Variable life plans designed to pay out at college entry age. Average payout: ₱2-4M for an 18-year horizon. Premiums fixed from day 1.
PERA (Personal Equity & Retirement Account) contributions are tax-deductible. I'll help you structure between PERA, VUL, and your SSS/GSIS pension.
Quick calculator
How much cover do you need?
Rule of thumb: 10× your annual income for life cover, ₱1M minimum for critical illness, ₱2M/child for college fund.