FAQs

• Employer-Employee Groups
• Professional Associations
• Cooperatives
• Labor Unions

Group Yearly Renewable Term (GYRT) Life Insurance
Provides life insurance protection Anytime, Anywhere and for Any cause of death.

Accidental Death & Dismemberment (AD&D) benefit
Provides an additional benefit on top of the life insurance benefit, if the insured dies or is dismembered due to an accident.

Total & Permanent Disability Income Benefit (TPDIB)
Advances the GYRT benefit thru a monthly income in case of total and permanent disability.

Hospital Income Benefit (HIB)
Provides a fixed daily benefit to supplement income lost for each day of hospital confinement due to illness or accident up to 365 days in a year.

Terminal Illness Benefit (TIB)
Advances 50% on the GYRT benefit up to a maximum amount if the individual is found to be terminally ill.

Critical Illness Benefit
Pays a benefit if the member is diagnosed to have contracted a critical illness or undergone a covered surgery.

• Banks: Universal Banks, Commercial Banks, Development Banks, Thrift Banks, Rural Banks
• Lending Institutions: Savings and Loan Associations
• Credit Cooperatives, Unions and Associations
• Companies offering employee loans
• Pre-Need Companies
• Schools
• Appliance Centers offering installment schemes
• Manpower agencies offering placement loans
• Other types of Creditor-Debtor groups: Real Estate Companies, Credit Card Companies

For the lender

• Protection and the assurance of loan repayments
• Income opportunities through the receipt of service fees
• You can extend these benefits to your clients:
  • Easy and simple enrollment
  • Collateral-free loans
  • Reasonable premiums for high insurance coverages
  • No worry of property repossessions

For the borrower

• Peace of mind that debt will be paid and not shouldered by his family

Credit Life Yearly Renewable Term (CLYRT) Insurance
Provides Life Insurance protection Anytime, Anywhere and for Any cause of death.

Accidental Death & Dismemberment (AD&D) Benefit
Provides an additional benefit on top of the Life Insurance benefit, if the insured dies or is dismembered due to an accident.

Total & Permanent Disability Income Benefit (TPDIB)
Advances the Life Insurance benefit thru a monthly income in case of total and permanent disability.

Joint Life Rider
Allows shared protection for two co-borrowers.

Critical Illness Benefit
Pays a benefit if the member is diagnosed to have contracted a critical illness or undergone a covered surgery.

Protect your employees with these comprehensive benefits:

• Accidental Death
• Accidental Dismemberment and Loss of Use
• Accidental Permanent Total Disability
• Flying Coverage
• Renewal Bonus

Enhance your protection with the following supplementary benefits:

• Accident Medical Reimbursement (AMR) Benefit
• Hospital Income Benefit (HIB
• Accident Weekly Income (AWI) Benefit
• Special Compassionate Benefit (SCB)