Phillife - 12 Yr Lifetime Protection Plan

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Male

Female

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Smoker

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Amount of Coverage: *

₱100K ₱250K ₱500K ₱750K ₱1M ₱1.25M ₱1.5M ₱1.75M ₱2M

Which translates to an amount of ₱100,000 pesos worth of insurance coverage.

Premium Details

Your BMI: N/A

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Riders (Optional):

Accidental Death Benefit

Waiver Of Premium

Medi CASH 1

Medi CASH 2

HDIB 10-65

Premium Details	Yearly	Half-Yearly	Quarterly
Basic Premium	0.00	0.00	0.00
Accidental Death Benefit	0	0	0
Waiver Of Premium	0	0	0
Medi Cash 1	0	0	0
Medi Cash 2	0	0	0
HDIB 10-65	0	0	0
Total	0.00	0.00	0.00

Thank you for your interest in our financial products. Please review the following details before proceeding and a dedicated Financial Advisor will get in touch with you soon.

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Product Name: 12 Yr Life Insurance

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I consent to PhilLife sending emails or making calls for the purpose of processing my application for insurance.

I agree that by clicking the Confirm Details and Submit button below, I confirm that I have read PhilLife’s Important Notice on Financial Consumer Rights and express my agreement to the collection and use by PhilLife of my information.

Important Notice on Financial Consumer Rights

The first version was issued on March 12, 2024
Updated on October 9, 2024

Before making a choice of a financial product or service, we suggest that you first explore what each offer and determine how it may help you achieve your goals. There are financial products and services that are simple and those which are complicated. There are those suited for individuals and those for groups. In any case, your choice of product must match your requirement. We understand that personal research from books, literature, and on-line sources may help. Consulting our Sales Associates, however, may be helpful. They would be able to sit with you, listen, and design for you a financial plan based on our products.

The description of our products and services is found on our website at https://phillife.com.ph. Simple calculation tools for your coverage, premiums, and BMI are available.

Personal information we obtain. Once you choose a product that matches your need and decide to purchase, you will have to fill in our prescribed forms and disclose therein personal information about you and, in certain circumstances, about your loved ones whom you will name as your beneficiaries. The extent of detail that needs to be disclosed would depend on the kind of financial product, amount, and your health and age. Simple products would require minimal personal data about you, while complex products would require disclosure about your health. If the product chosen is an individual product, then you must disclose your personal information only. If the product chosen is a group product, then your employer or organization with whom you are connected or affiliated will disclose your personal information and your employment or affiliation. Such disclosures are necessary for us to evaluate the risks involved in insurance.

Our prescribed application forms. The details of your disclosures are obtained in an application form prescribed by us. All the forms we use are approved by the Insurance Commission. In general, the application from consists of three parts:

Part 1: Personal Circumstances
Part 2: Health Circumstances
Part 3: Declarations and authorizations.

Our application forms are available online and may be viewed at https://phillife.com.ph.

How we process your information. All applications are processed following a cycle that starts with your submission of the said application to our Head Office Online Portal or, in certain cases, to our Sales Associate, who submits it to our Head Office. When the application is received, our Underwriters evaluate it and assess it to see whether the product you chose matches your needs; whether the risks involved are within acceptable limits. If there are items that need further clarification, we will ask for clarification from you or in certain circumstances, some medical evaluation would be required. When your application is approved, a policy contract will be issued to you. The contract contains the particulars of your insurance coverage, the contract provisions, and copies of the application you submitted to us. The particulars contain the data stored in our computer systems.

Communication of results of the processing. The next part of the cycle is the contract delivery. In our website, you may find the product descriptions and the contents of the contract accessible through the QR Code links provided in your Policy. You may reach us by email at [email protected], just in case you have some change in personal circumstances or financial requirements or some other similar significant events. With your consent, we can assign a duly licensed agent with whom you may discuss your financial requirements.

In situations where the application is declined, we communicate the results in confidence.

Policy maintenance. To keep the policy in-force, we will be sending you some reminders when premiums are due, updates about the product you bought, your financial plan, data protection, and related information. We will not send any marketing promotion or materials outside the financial plan designed for you, UNLESS you give us your express consent.

Outsourcing of ancillary services. While the policy is in-force, there may be instances where we may engage the services of third parties, such as banks, IT security, cloud storage, etc. for the processing of benefits proceeds, securing systems, databases, etc. In such situations, we remain responsible for the safety of your personal data.

Claims. At the point of claim for maturity, you as the owner (in case of living benefit) or the beneficiary (in case of death benefit), must get in touch with us for the processing of such maturity. The list of requirements for maturity claims can be found in https://phillife.com.ph.

Retention of data. We retain your information while your insurance is in force and up to five (5) years after your policy's termination.

Compliance. At all times, we observe good governance over our business. All applications are evaluated to determine the kind of risk that we may take. We adopt procedures to ascertain the identity of customers and, where appropriate, observe and apply customer due diligence measures to evaluate our exposure in accepting prospective life insureds or in keeping existing insureds as customers. Hence, in cases where information further than identification is needed, we may require disclosures from the prospective life insured or the insured about sources of income, business relationships, affiliations, and other information needed in deciding on the application for insurance. Therefore, we reserve the right to accept or reject an application or renewals in situations where the prospective life insured or life insured refuse to cooperate with us.

Consumer assistance about the Policy. There may be instances when you would be in need of some assistance. For items pertaining to the policy, please get in touch with our Help Desk which you may reach at [email protected]. Concerns about your data privacy may be raised to our Data Privacy Officer at [email protected]. In cases where difficult questions of law or regulation are involved and you feel that some interventions are needed, you may contact the Office of The Insurance Commissioner.

The Insurance Commission. The Insurance Commission, with offices in Manila, Cebu, and Davao, is the government office in charge of all laws relating to insurance and has supervision over insurance companies. It is always ready to render assistance in settling any controversy between an insurance company and a policy owner relating to insurance matters. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance Commission at 1071 United Nations Avenue, Manila at telephone numbers (02) 8-523-8461 local 103 or local 127 or at on their email address [email protected]. The official website of the Insurance Commission is https://www.insurance.gov.ph/.

Thank you for your interest in our financial products.