"Sana matupad ko ang mga pangarap ko para sa pamilya ko."
We understand how important it is to save up and plan ahead for your dreams such as setting up your own business, going on that grand vacation to Europe, starting up a family of your own, or just enjoying your well-earned golden years.
The earlier you start with financial planning, the more time you will have to build and grow your savings. That’s why we offer various saving plans to help you achieve your financial goals and live the dream you’ve always desired!
Contact a Philam Life Financial Advisor
Contact us at (02) 528-2000 or
email us at firstname.lastname@example.org.
Read Philam Life's "Buti na lang" Testimonials
Our Savings Plans
Huwag hayaang hanggang drawing na lang ang mga pangarap mo.
Whatever your dream is, let us help you take it out of the drawing board and put it into reality with Philam Life’s Build and Protect, an affordable savings and life insurance plan-in-one.
Now, you can easily save up for your child’s education, buy your dream house, go on that dream vacation, or start up your dream business with affordable premiums and short payment schemes.
At dahil may kasama pang life insurance, ikaw at ang pamilya mo ay laging protektado.
Affordable and Convenient Savings Plan
- You will get a lump sum cash benefit equal to 200% of your policy’s face amount at the end of the 15th year.
- You can also get an additional maturity bonus dividend equal to 20% of your policy’s face amount at the end of the 15th year, plus additional dividend earnings at the end of the year of your last premium payment.*
- You can easily build your savings for as low as P2,660 per month.**
Easy Payment Options
- You can choose to pay for 10 years, 5 years or even one-time payment depending on your budget.
Essential and Practical Life Protection Plan
- You can get life protection for 15 years equal to 200% of your policy’s face amount.
- You can enjoy additional protection up to a maximum of P300,000 provided no loan was made against the policy’s cash value in the last 12 months.***
With Build and Protect, pwede mo nang totohanin ang mga pangarap mo!
* Maturity bonus and dividends are not guaranteed.
** 30-year old male, 5-year payment period
*** Minimum of 40% of the policy’s cash value up to a maximum of P300,000 per policy or P900,000 per insured
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 Build and Protect plan:
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.
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.
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.
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 Build and Protect.
Below are common Frequently-Asked-Questions (FAQs) about Build and Protect that we have compiled for your reference.
Q: How does it work for me?
A: Build and Protect is a two-in-one plan as you get guaranteed cash benefit equal to 200% of your policy face amount after 15 years. You also get the essential insurance protection equal to 200% of the face amount for 15 years.
Q: Who can avail of Build and Protect?
A: Anyone between 0 to 70 years old. If proposed insured is below 17, a payor/owner other than the proposed insured is required.
Q: Can I possibly enhance the features of Build and Protect for me?
A: Yes, by simply availing of any of the supplementary riders, you can increase your protection. Click on our attachable benefits tab for more information and see how you can get a more comprehensive coverage.
Q: What is the minimum face amount?
A: Minimum face amount for Build and Protect is P100,000.
Q: How long do I have to pay for premiums? Where can I pay?
A: Choose among One-Pay, 5 years, or 10 years to pay. Payment is convenient – pay in cash, check or credit card at over 5,000 trusted and reliable outlets nationwide. Click on our Payment Facilities for a complete listing of our accredited payment channels.