PROTECTION


  1. INCOME
    1. TERM
    2. PERMANENT
  2. HEALTH

    INCOME (TERM)


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    ANNUAL RENEWABLE TERM (ART)

    ISSUE AGES: 20-60 (age last birthday)
    PREMIUM PAYING PERIOD: 1 year
    PERIOD OF COVERAGE: 1 year
    PROCEEDS PAYABLE: Upon death within the insurable year
    FEATURES:
    • Yearly renewable term insurance
    • Renewable up to age 60
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    5-YEAR RENEWABLE TERM (5-YRT)

    ISSUE AGES: 10-55 (age nearest birthday)
    PREMIUM PAYING PERIOD: 5 years
    PERIOD OF COVERAGE: 5 years
    PROCEEDS PAYABLE: Upon death within the insurable year
    FEATURES:
    • 5-year renewable term insurance
    • Renewable until age 55
    • Convertible to a permanent plan before attained age 60
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    10-YEAR RENEWABLE TERM (10-YRT)

    ISSUE AGES: 10-60 (age nearest birthday)
    PREMIUM PAYING PERIOD: 10 years
    PERIOD OF COVERAGE: 10 years
    PROCEEDS PAYABLE: Upon death within the insurable year
    FEATURES:
    • 10-year renewable term insurance
    • Renewable up to age 60
    • Convertible to a permanent plan before attained age 60
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    FAMILY PROTECTOR PLAN PLUS (FPPP)

    ISSUE AGES:
    • Principal Insured:18-60
    • Spouse or Parents:18-60
    • Children or Siblings:1-19
    PREMIUM PAYING PERIOD: 1 year (Annual mode)
    PERIOD OF COVERAGE: 1 year
    PROCEEDS PAYABLE:
    • Accidental Death
      1. Principal = 100% FA
      2. Spouse/Parents = 50% FA
      3. Children/Siblings = 10% FA
    • Medical Reimbursement: Principal & Spouse/Parents only for 10% or Php20,000 whichever is lower
    • Burial Benefits = 25%
    FEATURES:
    • Yearly renewable
    • Personal accident
    • Medical reimbursement (accident)
    • Burial benefits (natural or accidental, except suicide within the first 2 years of the policy), 25% of the basic coverage of each member.
    • Sold on a per unit basis, at P20,000 basic coverage per unit. Principal Insured may purchase FPPP from a minimum of 5 units (P100,000) basic coverage to a maximum of 10 units (P200,000).
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    HOSPITAL INCOME PLAN PLUS (HIPP)

    ISSUE AGES: 5-59 (age last birthday and in good health)
    PREMIUM PAYING PERIOD: 1 year
    PERIOD OF COVERAGE: 1 year
    PROCEEDS PAYABLE:
    • Cash benefits in the form of hospital daily income multiplied by the number of days of confinement to a maximum of 31 days per confinement
    • Cash allowance for Annual Physical Examination (APE) = 40% of daily income benefits
    FEATURES: Non-participating yearly renewable hospital income plan

    *Successive periods of hospital confinement shall be considered as one period of confinement, unless separated by more than 30 days, or the subsequent confinement is due to causes entirely unrelated to the causes of the previous confinement
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    INCOME (PERMANENT)


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    NEW GOLDEN LIFE WEALTH PROTECTOR

    ISSUE AGES: 0-80 (age last birthday)
    PREMIUM PAYING PERIOD: Whole life or up to age 100
    PERIOD OF COVERAGE: Up to age 100
    PROCEEDS PAYABLE: Upon death or at age 100
    FEATURES: Non-participating whole life plan
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    FLEXILIFE WEALTH PROTECTOR 1-10 (FWP)

    ISSUE AGES: 0-75 (age last birthday)
    PREMIUM PAYING PERIOD: Choice of paying period from 1 year to 10 years
    PERIOD OF COVERAGE: Up to age 100
    PROCEEDS PAYABLE: Upon death or at age 100
    FEATURES:
    • Non-participating limited pay life
    • Choice of paying period from 1 year to 10 years
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    ESTATE PROTECTOR PLAN (EPP)

    ISSUE AGES: 0-75 (age last birthday)
    PREMIUM PAYING PERIOD:
    • Whole life or up to age 100
    • May be reduced to 10 using accumulated dividends
    PERIOD OF COVERAGE: Up to age 100
    PROCEEDS PAYABLE: Upon death or at age 100
    FEATURES: Participating plan, earns “non-guaranteed annual dividends�
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    HEALTH


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    FORTUNE ADVANTAGE PLAN (FAP)

    ISSUE AGES: 18 - 59 (age last birthday)
    PREMIUM PAYING PERIOD: 1 Year
    PERIOD OF COVERAGE: 1 Year
    PROCEEDS PAYABLE:
    • In the event that the Insured is diagnosed with cancer.
    • Waiting Period: Benefit shall only be payable if the Cancer first manifests itself on or after the 90th day following
      (a) the Effective Date of the policy or
      (b) the date of the last reinstatement of the policy.
    • Survival Period: Benefit shall only be payable in respect of any Cancer which results in the death of the Insured after 30 days from the date of diagnosis.
    FEATURES:
    • gender-based annually renewable term plan
    • provides comprehensive financial benefits when an Insured is diagnosed with cancer.
    • Renewable up to age 69; may no longer be renewed once a claim has been paid on this Policy
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    FORTUNE CRITICAL ILLNESS PLAN

    ISSUE AGES: 18 - 59 (age last birthday)
    PREMIUM PAYING PERIOD: 1 Year
    PERIOD OF COVERAGE: 1 Year
    PROCEEDS PAYABLE:
    • In the event that the Insured is diagnosed by a qualified physician to have contracted a Critical Illness or has undergone a surgery which is included in the list of covered critical illnesses
    • Waiting Period: Benefit shall only be payable if any covered critical illness is diagnosed or surgery is performed on or after 90th day following
      (a) the Effective Date of the policy or
      (b) the date of the last reinstatement of the policy.
    • Survival Period: Benefit shall only be payable in respect of any covered critical illness diagnosed or surgery performed which resulted in the death of the Insured after 30 days from the date of diagnosis or surgery
    FEATURES:
    • Annual renewable term plan
    • provides comprehensive financial benefits when an Insured is diagnosed by a qualified physician to have contracted a Critical Illness or has undergone a surgery which is included in the list of covered critical illnesses
    • Renewable up to age 64; may no longer be renewed once a claim has been paid on this Policy
    VARIANTS:

    Note: Click the label of each variant to see the covered illnesses.

    VARIANT 1 - covers a total of thirty-four (34) illnesses
    • Cancer
    • Myocardial Infarction / Heart Attack
    • Stroke
    • Coronary Artery Surgery / Coronary Bypass Surgery
    • Renal Failure / Kidney Failure / End Stage Renal Disease
    • Major Organ Transplant / Major Organ Transplantation
    • Paralysis
    • Blindness / Loss of Sight
    • Heart Valve Replacement
    • Surgery of Aorta / Aorta
    • Multiple Sclerosis
    • Alzheimer's Disease Before Age 65
    • Amyotrophic Lateral Sclerosis
    • Apallic Syndrome
    • Aplastic Anaemia
    • Bacterial Meningitis
    • Benign Brain Tumor
    • Cardiomyopathy
    • Chronic Liver Disease / End Stage Liver Disease
    • Chronic Lung Disease / End Stage Lung Disease
    • Coma
    • Deafness / Loss of Hearing
    • Encephalitis
    • Fulminant Viral Hepatitis / Acute Liver Failure
    • Loss of Limbs
    • Loss of Speech
    • Major Burns
    • Major Head Trauma
    • Motor Neurone Disease
    • Muscular Dystrophy
    • Parkinson's Disease Before Age 65
    • Poliomyelitis
    • Pulmonary Arterial Hypertension
    • Progressive Systemic Scleroderma
    VARIANT 2 - covers a total of fifteen (15) illnesses.
    • Cancer
    • Myocardial Infarction / Heart Attack
    • Stroke
    • Coronary Artery Surgery / Coronary Bypass Surgery
    • Renal Failure / Kidney Failure / End Stage Renal Disease
    • Major Organ Transplant / Major Organ Transplantation
    • Multiple Sclerosis
    • Alzheimer's Disease Before Age 65
    • Benign Brain Tumor
    • Chronic Liver Disease / End Stage Liver Disease
    • Encephalitis
    • Major Burns
    • Major Head Trauma
    • Muscular Dystrophy
    • Parkinson's Disease Before Age 65
    VARIANT 3 - covers a total of seven (7) illnesses, including Cancer.
    • Cancer
    • Myocardial Infarction / Heart Attack
    • Stroke
    • Coronary Artery Surgery / Coronary Bypass Surgery
    • Renal Failure / Kidney Failure / End Stage Renal Disease
    • Major Organ Transplant / Major Organ Transplantation
    • Chronic Liver Disease / End Stage Liver Disease
    VARIANT 4 - covers a total of seven (7) illnesses, excluding Cancer.
    • Stroke
    • Coronary Artery Surgery / Coronary Bypass Surgery
    • Renal Failure / Kidney Failure / End Stage Renal Disease
    • Alzheimer's Disease Before Age 65
    • Aplastic Anaemia
    • Benign Brain Tumor
    • Chronic Liver Disease / End Stage Liver Disease
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