Whole Life

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 Advisor

Contact us at (02) 528-2000 or
email us at philamlife@aia.com.

Our Whole Life Plans

We cover you at every step in life.

You want protection for yourself and your loved ones as well as the freedom to choose the benefits which you need and will also suit your budget. With the versatility of Philam Life’s Vanguard 100, you can enjoy a lifetime protection plan with benefits that are tailor-fit to your lifestyle, as well as all your special needs.

Customizable Coverage
  • You have the option to choose the amount of your coverage based on your needs. You can avail of a more comprehensive coverage by attaching any of the following benefits:
    • Accident and Health Rider Plus
    • Accident Death Benefit
    • Disability Waiver of Premium
    • Disability Waiver of Premium Plus
    • Payor’s Benefit Death
    • Payor’s Benefit Death & Disability
    • Mediguard
    • 20 Hospital Income Benefit
    • 20 Lifeline
    • Lifeline 65
    • Guardian Riders

Affordable Life Protection
  • You get affordable protection with a minimum face amount of P150,000.
  • You don’t need to worry about future premium increases with its guaranteed fixed premium payments.
  • You can enjoy the convenience of paying for only a short period of time.

Guaranteed Life and Health Protection
  • You and your family will have peace of mind knowing that you are protected until age 100.
  • You can increase your protection with accident and health coverage until age 72.

With Vanguard 100, you can now enjoy a lifetime protection plan that truly understands your unique financial needs.

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 Vanguard 100 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.

Payor’s Benefit Death and Disability (PBDD)
Payor’s Benefit Death/ Payor’s Benefit Death and Disability (PBD/PBDD) waives the remaining premiums on a juvenile policy in case the payor dies or becomes totally and permanently disabled before the child reaches age 25 or before the policy’s maturity or termination, whichever comes first.

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.

Lifeline (LL)
Lifeline (LL) provides a one-time lump sum benefit upon diagnosis of any of the covered critical illnesses.

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

Guardian Rider
Guardian provides additional guaranteed insurance coverage for a specified time period. You may choose to be covered for 1 year, 5 years, 10 years or until you turn 65. You may also renew this plan as it expires. Please click here to learn more about the product.

For you to understand our products better, below is a sample Timeline Illustration of Benefits for Vanguard 100.


Below are common Frequently-Asked-Questions (FAQs) about Vanguard 100 that we have compiled for your reference.

Q: What happens if the insured is alive on the policy anniversary nearest age 100?
A: The policy will mature as an endowment (savings plan) wherein the proceeds will be payable to the insured as a living benefit.

Q: Are annual dividends guaranteed?
A: No, dividends are not guaranteed. Dividends are part of the Company’s earnings that are returned to participating policy owners if the Company has performed better than anticipated in terms of managing risks, operating expenses and interest rates.

Q: What happens to my dividends if I do not withdraw them?
A: Declared or generated dividends that are not withdrawn and left with the company will accumulate interest at the prevailing rates, and may increase or decrease depending on market conditions.