Whole Life Protection
"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.
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Our Whole Life Plans
The 3-in-1 plan that grows with you and your family’s dreams.
As you go through life, you and your family’s needs change. And unforeseen events such as life-threatening health problems, disability and untimely death may happen anytime and threaten your family’s dreams.
Buti na lang may LifeSave Plus, you will have peace of mind that you and your family are protected amidst life’s unexpected twists and turns.
Philam Life’s LifeSave Plus is the 3-in-one product solution that provides life protection, health coverage and savings for every stage of life. It returns all premiums paid after 20 years and still provides continuous coverage even after – like your plan didn’t cost you a thing!
LifeSave Plus provides the following benefits:
Lifetime Protection
LifeSave Plus provides guaranteed lifetime insurance coverage regardless of your age or health condition or if you get disabled and unable to pay future premiums. Your family is financially protected at all times.
Savings for your retirement
After 20 years, you are given back all the payments you have made and you will still enjoying lifetime coverage even after. The cash payment will allow you to finally pursue the dreams you have been setting aside or invest in a Philam Life plan that will earn more for a comfortable retirement.
You can also get additional benefits from dividends and bonuses that boost cash benefits over time.
PLUS health and accident fund for your working years
In your prime working years, you do not have to worry about depleting your life’s savings to finance your recovery and pay for your medical bills if you encounter an accident, get hospitalized, or get diagnosed with a serious illness. You will receive cash to help pay for hospitalization and accident-related costs, and regular cash payouts when you become unable to work because of disability.
Whatever stage of life you find yourself in, you are secure in the knowledge that you can get your family through difficult times with LifeSave Plus.
For you to understand our products better, below is a sample Timeline Illustration of Benefits for LifeSave Plus.
Below are Frequently-Asked-Questions (FAQs) about LifeSave Plus that we have compiled for your reference.
Q: Can I avail of a LifeSave Plus Plan with Life Protection Benefit equal to 5 Million?
A: No, LifeSave Plus is a packaged product and is only available in 6 variants with predetermined benefits:
Q: Can I attach additional Riders to my LifeSave Plus Plan?
A: No, LifeSave Plus is a packaged plan and cannot be attached with additional Riders. LifeSave Plus is composed of our Vanguard 100 with the following Mandatory Riders: Accident & Health, Hospital Income Benefit, Waiver of Premium Plus and Yield Enhancer. Lifeline Riders are optional for LifeSave Plus Accumulator and Optimizer plans.
Q: After 20 years, do I really get back all the premiums I paid for?
A: If your mode of payment is annually, yes, you will get back all the premiums you paid. However, if your mode of payment is semi-annually or quarterly, you will only get back the equivalent total annual premiums paid.
Q: If I become permanently disabled on the 10th year, do I still have to complete my premium payments for the remaining 10 years? What will happen to the premium payments I made during the first 10 years?
A: In case you become permanently disabled on the 10th year, all future premium payments will be waived. The premium payments you have made during the first 10 years will be returned to you at the end of the 20-year prescribed pay period.
Q: I’m already 53 years old and no longer eligible to avail of the Accident & Health Rider, but I really want to get a LifeSave Plus policy. Can I still avail of a plan?
A: Yes, you can still avail of a LifeSave Plus policy. However, your plan will not include the Accident and Health Rider.