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About us

COCOLIFE, the biggest Filipino-owned stock life insurance company, and the first and only ISO-certified Filipino life insurance company, is a prominent market leader in the industry. COCOLIFE offers a complete array of life insurance, non-life insurance, healthcare, and mutual fund products through its various business units and subsidiaries in the non-life business (UCPB General Insurance), pre-need (Cocoplans) and mutual funds (Cocolife Asset Management Co., Inc.). Cocolife boasts of close to four decades of experience and expertise with more than 1,500 highly-trained agents, account executives, and field managers and a steadily expanding network of fully-computerized area and branch offices nationwide.

Cocolife has successfully carved a strong niche in Group Insurance and is one of the leading Healthcare program providers with the widest network of affiliated physicians, specialists, partner hospitals and clinics. With total assets close to P24 billion and networth of over P8 billion, COCOLIFE is ranked number one in Group Insurance and number six in Traditional Life Insurance among 34 companies. These impressive results are attributed to sound management, prudent investment practices, and efficient cost control.

Elmo A. Nobleza


It's my pleasure to welcome you to the Cocolife website!

Since we started our commercial operations in 1978, our company has evolved to become the biggest Filipino-owned stock life insurance company in the country. Through the years, we have continually expanded and improved our operations and to date, we are one of only a handful of insurance companies offering a complete array of wealth management products and services. In line with our abiding mission to personalize our services, we have also established our presence at the grassroots level, with close to 60 brick and mortar branch offices nationwide.

Realizing the essential role of online connectivity in virtually every aspect of business as well as personal communications today, we have revitalized our company website as our first initiative in building up our presence in cyberspace. In this way, Cocolife will now be able to provide not only the human touch through our traditional channels, but also the immediate access, speed and transparency so demanded in this day and age.

We look forward to your visit so that you will learn more about our company and how we can help you realize a financially secure future for yourself and your loved ones.

Atty. Alfredo C. Tumacder, Jr.


Welcome to the Cocolife website!

We approach our 4th decade of operation with high hopes of an even brighter future. We have refined our strategic directions and crystallized our priorities, having identified opportunities to enhance synergy and integration.

Our anchor has always been our corporate mission, which is to provide the benefits of insurance and related financial products and services to those who need it most. We strive to do this by offering a complete insurance portfolio to broad segments of the Philippine market through multiple distribution channels.

A recent review of our performance showed that growth has been generally upbeat and consistent. The year 2016 in particular, was a banner year. We were again the number one Group Insurance and Micro-insurance provider in the entire industry, and Individual Insurance as well as the Healthcare business lines registered double-digit premium growth rates. As a result, Cocolife’s overall premium surpassed the previous year by 17%, giving it the best performance since the company started operations. Net Income was also a record-high, with ROE at over 20%, which is one of the highest in the industry.

This year, our battle cry is “Cocolife Synergize”, as we raise our company to a higher level of performance by pooling and sharing the resources of our business units together and enhancing each other’s capabilities.

As we move forward, we are confident of delivering even more to our stakeholders. We intend to achieve our objectives and targets and we are singularly positive about the company’s future growth and direction.

Board of Directors


Chairman: Atty. Alfredo C. Tumacder, Jr.

Board Members: Isabelo P. Africa
Emerson B. Aquende
Roberto B. Armada
Felicismo B. Billones
Carolina G. Diangco
Jose Martin Loon
Higinio Macadaeg Jr.
Elmo A. Nobleza
Dr. Rogelio V. Paglomutan
Gabriel L. Villareal


Management Committee

CLOCKWISE FROM CENTER: Elmo A. Nobleza, President, Alfredo A. Tanchoco Jr., Executive Vice President, Head of Finance Operations, Jocelyn C. Fadri, Executive Vice President, Head of Administrative Operations, Ma. Rowena J. Asnan, Assistant Vice President, Head of Marketing Planning, Dario B. Martinez, Region Hed, Visayas and Mindanao, Maricar M. Mangulabnan, Vice President, Head of Group Marketing, Frederico P. Rona, Assistant Vice President, Head of Sales Support Services, Maria Nerissa C. Enriquez, Assistant Vice President, Head of Bancassurance, Joseph Mark Y. Ronquillo, First Vice President, Head of Promo Sales Operations, Teresita Soledad UB. Dela Vega, Senior Vice President, Head of Human Resources and Administrative Services, Fredelito J. Ferrer, Vice President, Head of Information Technology, Franz Joie D. Araque, Senior Vice President, Head of Healthcare.

mission statement and core values

corporate mission & policy

corporate mission

We are a recognized leader in the insurance industry, with the fundamental purpose of providing the benefits of life insurance and other related financial products and services to our fellowmen.

We are committed to quality. We shall imbue quality in our products and services, and quality in our relationships with our clients, employees and sales associates.

Our strength is our people. We are dedicated to bringing out the best among our employees and sales associates by providing job security, competitive compensation, and opportunities for professional growth and personal development.

We have a social responsibility to improve quality of life and shall always espouse positive Filipino values.

quality policy

COCOLIFE provides life insurance and other financial services.

We delight our customers through our efficient operation and excellent service.

We want to be known as a stable, reliable, and quality-driven company.

In order to achieve these, we shall strive for sustainable growth and profitability, fulfill our obligations to policyholders, seek customer feedback, continually improve our operations and uphold the highest standards of ethics and responsibility in honoring our corporate commitments.

data privacy

Your information is important to UNITED COCONUT PLANTERS LIFE ASSURANCE CORPORATION (“Cocolife”, for brevity) its subsidiaries, affiliates and related parties (collectively referred as “Cocolife”, “we”, “us” or “our”). We believe in the responsible use of information we collect about individuals.


We handle your Personal Data in accordance with Republic Act No. 10173, known as the “Data Privacy Act of 2012” (DPA) and its Implementing Rules and Regulations issued by the National Privacy Commission (NPC).


Cocolife recognizes the importance of your rights as a Data Subject under the DPA:

1. Right to be informed

2. Right to object

3. Right to access

4. Right to correct

5. Right to rectification, erasure or blocking

6. Right to damages

7. Right to data portability


This privacy statement provides information on how we collect, use, manage and secure your personal information necessary to serve you better. Any information you provide to us indicates your express consent to the content of our Privacy Policy.



Personal Information, under the DPA, refers to any information whether recorded in a material form or not, from which the identity of an individual is apparent or can be reasonably and directly ascertained by the entity holding the information, or when put together with other information would directly and certainly identify an individual.

Vital to our service is the collection of your personal information which may include, but not limited to, the following:

1. Your name, nationality, civil status, gender, age, birthdate, unique identifiers, email address, mailing address, phone numbers, visual recordings and other information as part of our dealings with you.

2. Your resume’, reflecting your educational background and employment history when you seek employment with us.

3. Your credit card information when you avail our products and services.

4. Your company information, performance, work history and capital when you partner with us.

5. Information you submitted when you contact our sales or customer relations agents for update of your information; in relation to your inquiries or requests; when you participate in our survey, discount, event information and prize promotion; when you refer a person to verify the information you provided to us; when you visit and connect to our websites and social media pages.


When you provide an information other than yours, you certify that you obtained their consent to disclose and process those information of your parents, spouse, children, dependent or about another person.



Cocolife uses the personal information you submit to us, fairly and lawfully, only to:

1. Arrange the products and services we offer that you availed from us.

2. Communicate our latest products, services, promos and events that will enhance your client experience.

3. Respond immediately to your needs, requests, queries and complaints.

4. Comply with the law and all legal orders and processes.

5. Perform the necessary processes in conducting due diligence and documentation.

6. Any other purpose relating to any of the above.


We may share your personal information only to the extent that is reasonable and necessary, to:

1. Our employees and officers handling your orders and requests.

2. Our subsidiaries, affiliates, partners, joint venture and other related parties for related purpose provided in this policy.

3. Banks, Insurers and Professional advisers performing due diligence checks.

4. Any third-party service providers performing financial, administrative, technical and other ancillary services.

5. Government institution and other competent authorities which by law, rules or regulations requires us to disclose.

6. Person or entity that we contractually entered with, that ensures the confidentiality standard we implement and adhere to the DPA.

7. Any person that fall within matters of public concern, in order to carry out functions of public authority only to the extent of collection and further processing consistent with a constitutionally or statutorily mandated function pertaining to law enforcement, taxation and other regulatory function.




Cocolife preserves your personal information:

1. To the extent necessary in keeping track of your records

2. To the extent agreed upon by the parties to a contract.

3. For statistical, research and other purpose specifically authorized by law.


To maintain the integrity and confidentiality of your personal information, we have implemented measures to secure and protect it from theft, loss, penetration or breach. We put in place organizational, physical and technical security measures necessary to protect your personal information:

1. Use of secured servers, firewalls, encryptions and other latest security tools.

2. Limited access to personal information to those duly authorized processors. All transfers are made after complying with the established confidentiality policy and practices in place.

3. Maintaining a secured server operating environment by performing regular security patch update and server hardening.



A cookie is a small piece of file which originates from a website. It is transferred to the user’s hard drive to record the user’s browsing activity. These are designed to remember pieces of information when users enter certain websites. Essentially, cookies will help you in browsing our site easier by, among other things, saving your name, addresses, passwords and other references.

Most web browsers are set to automatically accept cookies, but you have the option to refuse all cookies or indicate when a cookie is being sent. However, if you choose not to accept cookies, you may experience some delay in browsing our website, it will not function properly or may be considerably slower.



Cocolife may periodically update or amend this policy in order to adhere to new and existing laws affecting the DPA, including any change or improvement we establish to secure your personal information.



For any comment, question or complaint regarding this Privacy Policy, you may contact our Data Protection Officer at:


Postal Address: 8/F COCOLIFE Building, Ayala Avenue, Makati City


Telephone Number: 812-9015 local 108


Email Address: 


corporate values


We pledge to honor our commitments to our customers and to persevere in continually improving our products and services to provide for their needs. We have earned the trust and confidence of the insuring public and we shall at all times, conduct ourselves worthy of such trust.


We are passionately committed to operational excellence, leading in the markets we serve, and being known as a great company and a great place to work in. We are determined to be the best, putting our hearts and mind at doing what matters most.


We blend the strength of each individual's skills and knowledge, and hold ourselves mutually accountable to ultimately achieving our common goals. We work together effectively and selflessly, treating each other with dignity, mutual regard, kindness and courtesy at all times.


We shall uphold uprightness and moral wholeness in all our transactions and interactions. We are honest and truthful and we do things right. We take pride in our work and always act with professionalism.


We are intensely focused on creating the most positive experience for our clients, always seeking to understand their feelings and perspective with unbiased consideration and regard for their needs. We shall serve them with heart, warmth, caring, and reassurance.


Ultra Security Services Inc.

Started operations in 1988 (Ultra Security), 1997 (All Nation), 1999 (New Ultra) - Three companies under one management. Engage in premises security, armored car escort security, and security survey and inspection.


COCOLIFE and COCOLIFE HealthCare are greatly honored for all these recognitions. These show our dedication to be our best in all aspects of our business. These awards are a testament to the quality of our products and services.

list of awards
28th Global Excellence Awards (2015)
33rd Seal of Excellence Awards (2014)
27th Global Excellence Global Awards (2014)
34th Annual Consumers Choice Award: Best Health Maintenance Organization (Cocolife Healthcare)
34th Annual Consumers Choice Award: Best Life Insurance Company (Cocolife)
13th Annual Global Excellence Awards: Hall of Fame Most Outstanding Life Insurance Company (2011)
30th Annual Consumers Quality Awards: Most Outstanding Life Insurance Company
19th Annual Asia Pacific Excellence Awards: Most Outstanding Life Insurance Company
30th Annual Year-Ender & People's Choice Awards (2010)
18th Annual Asia-Pacific Excellence Awards (2010)
26th Annual Consumers Choice Awards (2010)
25th Annual Consumers Choice Awards (2009)
27th Annual People's Choice Awards (2009)
28th Annual Consumers Quality Awards (2009)
19th Annual National Consumers Awards
10th Annual Global Excellence Awards
17th Annual National Consumers Awards
16th Annual National Consumers Awards
Philippine Business Achievers Awards
Philippine Marketing Excellence Awards (National Awards)
23rd Annual National Consumers Quality Awards (2005)
12th Asia-Pacific Excellence Awards (2005)
2005 Global Excellence Awards
20th National Consumers Excellence Awards

Corporate Social Responsibilities






sales network

Click the branch name to see the location on the map.
address / emailtelephonefax


  • Giving BIGGER Smiles through COCOLIFE Foundation’s Medical Mission

    December 27, 2018

    Giving BIGGER Smiles through COCOLIFE Foundation’s Medical Mission

    Cocolife is not only the biggest Filipino-owned stock life insurance company in the country, it also has the biggest heart in strengthening communities’ well-being and making the world a better place.


    Dedicated in making lives better, Cocolife Foundation, in partnership with UCPB-CIIF foundation conducted a medical mission in Kaysakat Elementary School, Boso-boso, Antipolo City led by Santi Varona, President of Cocolife Foundation together with Cocolife executives SVP Franz Araque, Medical Director Dr. Mitchie So, AVP Rowena Asnan, SM Mark Arbis, Manager Win Endozo and Cocolife Foundation’s Kaya Galang, the outreach activity was attended by employee volunteers from Cocolife.


    The student recipients flashed even bigger smiles as they received basic medical evaluation and complete hygiene kits. Cocolife Foundation will also launch the second phase of medical mission in 2019 with more comprehensive medical consultations and examinations.


    Aside from medical mission, feeding, and sanitation program, Cocolife Foundation also plans to execute three more advocacies which include: livelihood and entrepreneurship programs for indigent communities, preservation of the ecology, and scholarships programs that pertain to education for the underprivileged. The Foundation intends to have long-term, sustainable, outreach initiatives in Kaysakat Elementary School.


    With this, Cocolife has indeed formally committed itself to a higher purpose; to be the catalyst of hope and a member of greater society that creates bigger solutions for those who need it most.





  • Cocolife managed funds bags awards from 12th PIFA Awards Night

    January 22, 2019

    Cocolife managed funds bags awards from 12th PIFA Awards Night

    Cocolife Asset Management Company, Inc. (CAMCI) continues to uphold its vision of ‘Leading the Way’, committed to create solutions for every financial aspirations as it bagged anew numerous awards from the Philippine Investment Funds Association (PIFA) during its 12th Annual Awards Night held last December 10, 2018 at the Tower Club Makati.


    The three mutual funds managed by CAMCI – United Fund, Inc. (UFI), Cocolife Fixed Income Fund, Inc. (CFIFI), and Cocolife Dollar Fund Builder, Inc. (C$FB) won individual recognitions for their 2017 performances in terms of one-year, three-year and five-year returns.


    UFI won 1st place for the 1-year return category of the Peso-denominated equity funds, outperforming 14 other competitors. It also placed 2nd for the 3-year return in the same category. Likewise, CFIFI notably topped the rankings of Peso-denominated bond fund as it garnered 1st place in all the 1-year, 3-year and 5-year returns, surpassing 10 other competing funds in the industry. C$FB, meanwhile, bagged 2nd place for the 5-year return category, poising excellence in the Dollar-denominated balanced funds.


    Every year, PIFA convenes an annual awards night to gather members of the mutual funds industry, celebrating and acknowledging the funds’ exceptional performance for its investors. This tradition, which started over 10 years ago, continues to support PIFA's commitment of serving the investing public.

  • 2019: A Cautiously Optimistic Year (A sit down interview with Mr. Andy L. Tan)

    February 05, 2019

    2019: A Cautiously Optimistic Year (A sit down interview with Mr. Andy L. Tan)

    Mr. Andy L. Tan, an Investment Manager and the First Vice President – Head of Investment Management at Cocolife, the biggest Filipino-owned stock life insurance company in the country has something to say about this year’s economy and Cocolife’s fund performance.


    A Turbulent Year


    2018 has been a surprisingly challenging and volatile year for global indices, in fact, the worst since 2008 during the financial crisis. Key themes that blanketed market movements last year were the less synchronized global economic growth, intensified further by the worsened US-China trade dispute; EU conflicts including the Brexit impasse and Italy’s populism; rising global oil supply, also pressured by geopolitics; and the Federal Reserve’s policy normalization push, among others.


    At home, macro pressures – specifically that of aggressive interest rate hike due to overshooting inflation, widening current account deficit and peso weakness – prompted a cautious stand among local and foreign investors. The resiliency of the Philippine economy was indeed tested in 2018, but the Economic Managers and the Bangko Sentral ng Pilipinas (BSP) did an adequate job of keeping both growth and inflation expectations in check.


    On This Year’s Fund Forecast


                Mr. Tan mentioned that they see 2019 as a cautiously optimistic year for capital markets. Locally, sentiments appear to be bullish in the midst of improved macro backdrop instigated by easing inflation pressures and stabilizing peso movement alongside moderating headwinds.


                This year is steered with high hopes of a feasible 7-8% gross domestic product (GDP) growth backed by the recurring demand from the Build Build Build (BBB) infrastructure program, reflecting resilience despite the looming global economic slowdown. This year’s key focus also include the passage of the remaining tax packages, May election results and the BSP policy moves.


                Moving forward, volatility is still expected as uncertainties that emanated from 2018 drags into the new fiscal year. Overseas, there are certainly clouds on the horizon as prospects for global growth remains on the downside, along with economic deceleration projections in developed markets (DMs) including the US, China and the European bloc. Further causing disruptions is the Sino-American trade stand-off, which remains unclear but is fairly improving with talks underway.


    Long-term, we are positive on Philippine equities given the country’s sustainable economic growth and corporate earnings expansion. Mr. Tan also mentioned that the fixed income market is expected to recover this year as we expect the local inflation print to return within the BSP’s 2-4% target range. Likewise, policy tightening pressures externally have been showing signs of moderation, particularly the slower pace of rate hike from the world’s largest economies.  We expect a dovish policy path from the Federal Reserve, with prospects of two rate hikes this 2019. As for the BSP, corresponding tightening is also anticipated, with possible one to two more tweaking moves, as tighter monetary policy is necessary to keep inflation expectations anchored to the their target range.


    Best Options for Clients


                Mutual funds are mostly catered for people who don’t have the expertise, the time to manage or invest their own funds. Mr. Tan said that by investing in mutual funds, the clients can maximize the expertise of the fund managers wherein these experts will make the investment decision for its clients with due diligence. Moreover, clients are also able to maximize their profit or earnings given the power of pooling the funds together even with a small capital. He also mentioned that clients can invest on funds for as low as P5, 000 and can get the same return as someone who invested with a high amount.  


                “It’s very hard to catch the swings and we all know that the basic principle in investing is buy lows and highs, this means that we should invest when the prices are low and sell when at its peak.” He said. In addition, the best suggestion for investors is to do cost averaging, setting aside a fix amount that they can invest on a regular basis because the cost will average out overtime.


                Aside from investing in mutual funds, it is also advisable to purchase a Variable Life. Variable life is a combination of life insurance and investment where it provides lifelong coverage as well as fund value account. Policies like Variable life have higher upside potential than other permanent life insurance policies as you can choose how the premium is invested from a variety of options. However, it is important to be cautious as variable life insurance policies often come with higher fees than other cash value life insurance policies.


                In conclusion, those who have a variable life insurance policy will typically be required to take a more active role in the investment portion of the policy. Therefore, it is a good idea to know and understand how investing in stocks, mutual funds, and other investment vehicles works before moving forward with the policy purchase. On the other hand, financial advisors should also take active role in ensuring the financial goals of the client are met.


    A mindset to achieve financial goals


    “We should always be on the lookout for opportunities.”


    He also mentioned that it is always a sure win if someone invests in a bull market, while investing in a volatile market is a challenge. Essentially, a volatile market is a difficult market to trade but there are windows of opportunity, if this market corrects, it is a chance for investors to come in. The key to it is to be open and continuously look for those opportunities.


We're big on dreams

We're big wealth

We're big on goals

And we're big on health


We're big on life


We're big on life

We're big on claims

And service too

We're big on happiness

We're big on you


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Freedom to Live Your Life!