Cash Life Insurance is a financial product designed to provide both life coverage and a cash accumulation component. For high-income Filipino business owners and professionals, it serves as a strategic tool to grow and protect wealth simultaneously. The policy offers guaranteed income payouts, which can be utilized for further investments or as a financial cushion during economic downturns, ensuring long-term financial stability.

This plan is ideal for high-income earners and business owners who prioritize long-term wealth preservation alongside asset growth. It caters to individuals seeking a reliable safety net that safeguards accumulated wealth while providing liquidity for ongoing investment opportunities.

Unlike traditional investments that may be subject to market volatility, Cash Life Insurance offers guaranteed payouts and a stable cash value accumulation. This ensures a predictable financial outcome, making it a prudent choice for those looking to balance risk and return in their financial portfolio.

Cash Life Insurance can play a crucial role in business succession planning by providing the necessary funds to facilitate a smooth transition. The policy’s payouts can be used to buy out shares, settle debts, or ensure the continuity of business operations, thereby protecting the legacy of Filipino entrepreneurs.

Yes, the plan is flexible. You can increase the face amount above Php 1 million, depending on your financial situation and ability to pay higher premiums. This customization allows you to tailor the policy to align with your specific income and financial goals.

In the 5-year pay plan, payouts begin at the end of the 7th policy year. These payouts are automatic every other year, providing you with a reliable cash flow without the need for active management.

Yes, the guaranteed payouts offer flexibility and can be used for any purpose, including medical emergencies. This provides a financial safety net that complements traditional health insurance plans, which may have restrictions on certain treatments.

If you choose to reinvest the payouts, they accumulate with interest (though the rate isn’t guaranteed), enhancing the overall value of your policy over time. This strategy allows your money to grow further without additional effort.

While premium amounts are fixed, if you’ve paid at least one year’s worth of premiums, you can utilize non-forfeiture options such as cash surrender value, reduced paid-up insurance, or a premium loan. These options enable you to maintain some level of coverage even if your financial situation changes.

Cash Life Insurance offers greater flexibility, allowing you to access your cash value or take out a policy loan without penalties. In contrast, time deposits and similar products often impose restrictions or penalties for early withdrawal, making Cash Life Insurance a more liquid option for your financial needs.

As long as you maintain the policy until maturity, the guaranteed payouts and maturity benefits ensure that you receive more than your total premiums paid. However, surrendering the policy early may result in receiving a cash surrender value that is less than the total premiums paid.

If you’ve paid at least one year’s worth of premiums, you qualify for non-forfeiture benefits, which allow you to retain some coverage even if you stop making payments. Options include cash surrender value, reduced paid-up insurance, or a premium loan. Stopping payments before completing a year may result in the loss of these benefits.

After paying at least one year’s premium, you have access to several options:

• Cash Surrender Value: Surrender the policy and receive a portion of the premiums paid.

• Reduced Paid-Up Insurance: Convert the policy to a smaller, fully-paid plan with no further premiums required.

• Premium Loan: Borrow against the cash value to cover missed payments and keep the coverage active.

We accept Mastercard, Visa, and other major credit cards for your convenience. These options are tailored for clients who demonstrate strong financial stability and a commitment to maintaining their wealth management strategies without interruption.