Term Life
"Sana laging may mag-aalaga sa’yo.”
Being prepared is one of the best defenses you can have to guard against uncertainties in life. It's only natural that you want safety and security for you and your family.
Our Protection plans offer excellent protection for you and your family against the possibility of financial loss caused by life-threatening emergencies. We specifically designed them to meet your unique financial needs and situation.
Contact a Philam Life Financial Planner
Contact us at (02) 528-2000 or
email us at philamlife@aia.com.
Read Philam Life's "Buti na lang" Testimonials
No stars. No celebrities or media personalities. Just ordinary people with extraordinary stories.
We safeguard your nearest and dearest.
Your family is your greatest treasure so you do your utmost to ensure their happiness and well-being. With Philam Life's Guardian, an affordable life insurance plan, you can now give more than just basic protection for you and your family.
Guaranteed Life Insurance Protection
- You can get guaranteed life insurance protection equal to the face amount of your policy.
- You can increase your protection coverage by adding accident, disability, and hospitalization benefits.
Flexible Protection Plan
- You can choose to be covered for 1 year, 5 years, 10 years, 20 years, or until you turn 65.
- You can select from different payment schedules. You can opt to pay one-time or regularly, or you can choose to pay for 5 years, 10 years or 20 years depending on your budget.
- You can also attach accident, disability and hospitalization benefits to further enhance your protection coverage.
Renewable and Convertible Protection Plan
- You can easily renew your coverage after the life of your policy.
- You can convert your plan to another type of life insurance coverage within a certain period of time, without the need to present proof of insurability.
With Guardian, now you can provide yourself and your family guaranteed life protection at a price you can afford.
We enhance your protection and security with our add-on benefits.
For a better insurance protection coverage, you may opt to add these benefits to your basic Guardian 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.
Hospital Income Benefit (HIB)
Hospital Income Benefit (HIB) provides daily cash benefit upon confinement due to sickness or injury. This benefit will be doubled to help finance the consequent medical expenses for dreaded diseases. HIB is attachable to products with at least 20 years of premium paying period.
Accidental Death Benefit (ADB)
If the cause of death is due to accident, Accidental Death Benefit (ADB) provides your family an additional amount on top of the deceased's basic plan.
Mediguard
Mediguard provides daily hospital income and additional benefits (optional) for long term hospitalization, intensive care unit confinement, and surgery.
Lifeline (LL)
Lifeline (LL) provides a one-time lump sum benefit upon diagnosis of any of the covered critical illnesses.
For you to understand our products better, below is a sample Timeline Illustration of Benefits for Guardian.
Below are common Frequently-Asked-Questions (FAQs) about Guardian that we have compiled for your reference.
Q: What happens if the insured is still alive at the end of the coverage period?
A: A benefit is only payable if the insured dies during the specified coverage period. No benefit is payable if the insured survives the end of the said term.
Q: Can I convert my plan to a whole life insurance coverage with the same coverage as my original plan (Guardian), but less than the minimum coverage amount allowed for that chosen life insurance plan I want to convert to?
A: Yes, this may be approved as an exception period.
Q: If I opt to renew my plan will I still be paying the same premium amount?
A: For renewed plans, calculation of premiums is based on the insured’s attained age at the current anniversary date of the policy.