"Sana balang-araw, malampasan mo ako."

Every parent dreams of a bright future for his child – to get the best education, to exceed what they themselves achieved, and to have a secure future. What better way to make this dream come true than to start with the right plan?

Let our Education plans help you turn these dreams into reality while giving you one thing less to worry about – financing your child’s studies.

Contact a Philam Life Financial Advisor

Contact us at (02) 528-2000 or
email us at

His bright future begins with the right plan.

When it comes to your child’s college education, only the best will do. Help give him the bright future he deserves with Philam Life’s Bright Future Invest.

College Education Fund with High Earning Potential
  • You can start building your child’s education fund for as low as P20,000 a year.
  • You can grow your money through Philam Life’s investment funds. These funds offer high earning potential to help you send your child to his dream university.

Flexible Investment Features
  • You can select the Philam Life investment fund/s that will suit your unique financial needs.
  • You can choose how long you want to pay. You have the option to pay for 3 years, 5 years, 10 years or until your child is 17 years old.
  • You can add to your child’s education fund whenever you have extra cash.

Guaranteed Life Protection
  • You can have peace of mind that your family is financially protected in case of unforeseen events.
  • You can increase your protection by adding medical benefits and a no-payment feature in case of unforeseen events.

With Bright Future Invest, you can now grow your money and send your child to his/ her dream university.

We enhance your protection and security with our add-on benefits.

You can secure your child’s bright future even more by adding these benefits to your basic Bright Future Invest plan:

Accident and Health (A&H)

In case of death, dismemberment or total and permanent disability, Accident and Health (A&H) Benefit provides you with additional protection coverage. You also have an option to add Medical Reimbursement and Weekly Income benefits on top of your plan.

Waiver of Premium / Waiver of Premium Plus (WP/WP+)

In case you become totally and permanently disabled, you and your family will not have to worry about paying for your premiums when you have a Waiver of Premium (WP) Benefit. You can have more peace of mind by availing our Waiver of Premium Plus (WP+) Benefit. Not only will your premium payments be waived, you and your family will also receive an annual disability income equivalent to the waived premium.


Mediguard provides daily hospital income and additional benefits (optional) for long term hospitalization, intensive care unit confinement, and surgery.

For you to understand our products better, below is a sample Timeline Illustration of Benefits for Bright Future Invest.

Illustration of Benefits - Our Education Plans

Below are Frequently-Asked-Questions (FAQs) about Bright Future Invest that we have compiled for your reference.

Q: What is Bright Future Invest ?
A: Bright Future Invest is a unit-linked product that offers high potential returns to fund your child's college education and guaranteed insurance protection.

Q: What is the difference between Bright Future Invest and Bright Future Plus?
A: Bright Future Plus offers guaranteed education benefits while Bright Future Invest offers non-guaranteed yet potentially higher education benefits so you can keep up with rising costs of education.

Q: What riders are attachable to the plan?
A: A&H is a conditionally required rider. Other riders include: WP/WP+ and Mediguard. It is recommended to always attach WP to ensure that the plan will still be in-force by the time the child is in college in case of disability. 

Q: Is it mandatory for me to withdraw from my Account Value when my child is already 17 years old?
A: No. You have the flexibility when you want to withdraw from your Account Value in either lump sum or installment..