How long do you expect to live?
take the longevity test

Bancassurance

Our bancassurance partnership allows us to offer comprehensive insurance products exclusively designed for UCPB clients.

what do you want to insure?

select a product to get a quote

Income Protection

We do not know what lies ahead.

Anything can happen…whether we are just starting our career, raising our own family, sending our kids to school or even when entering into our retirement. Should something happen to us, what happens to our loved ones?
Bright Stages, a non-participating whole life insurance policy is an affordable lifetime insurance designed to provide you with financial protection for every stage of your life.

 

AFFORDABLE PREMIUMS
This is insurance that fits your budget. It provides you all the benefits you need without spending a fortune.

 

SHORT PAYMENT SCHEME
With Bright Stages you can enjoy insurance coverage for life with premiums payable in 5, 7 or 10 years. Premiums can be paid annually, semi-annually or quarterly.

 

LIFETIME INSURANCE
Whether you’re single, with a family, or a retiree, Bright Stages assures you that your loved ones will be taken care of should anything untoward happen.

 

POLICY ENHANCEMENT OPTIONS
You can choose to enhance your Bright Stages policy by adding the following benefits:

  • Accidental Death and Dismemberment Rider
  • Waiver of Premium Upon Disability
  • Payor’s Benefit Rider
  • Terminal Illness Living Benefit Rider

 

TABLE OF PRE-COMPUTED PREMIUMS

FACE AMOUNT 1,000,000.00
issue age5-pay7-pay10-pay
10 34,440.00 25,710.00 19,320.00
15 37,690.00 28,410.00 21,760.00
20 42,793.92 32,383.16 24,930.43
25 48,003.13 36,326.24 28,005.65
30 54,720.57 40,364.08 31,971.75
35 63,112.02 46,755.43 36,979.64
40 73,472.38 55,573.70 43,257.85
45 86,320.01 65,333.70 51,042.02
50 102,265.45 77,861.13 61,612.92
55 124,543.43 95,899.86 77,611.52

 

FACE AMOUNT 2,000,000.00
issue age5-pay7-pay10-pay
10 68,480.00 51,020.00 38,240.00
15 74,980.00 56,420.00 43,120.00
20 85,181.44 64,358.60 49,450.82
25 95,599.54 72,244.32 55,600.66
30 109,034.21 80,319.73 63,532.41
35 125,816.80 93,101.98 73,547.48
40 146,536.91 110,737.64 86,102.54
45 172,229.89 130,255.20 101,667.89
50 204,115.06 155,302.58 122,798.64
55 248,654.38 191,359.56 154,768.64

NOTES:
1. Premiums are inclusive of Accidental Death and Dismemberment (AD&D) and Waiver of Premium of Disability (WPD) coverages.
2. Years to pay           Issue Age
      5, 7                  10 to 70 years old
      10                    10 to 65 years old

interested?

Income Protection Plus

DIVIDEND EARNINGS FOR LIFE

Get lifetime dividend earnings which you can use to:

  • Pay premium dues
  • Buy additional coverage without increasing payment
  • Take out as cash
  • Leave with Cocolife to accumulate and earn interest

LIFETIME INSURANCE PROTECTION

You and your family are protected for life. Enjoy the feeling of peace knowing that you are financially secure from life’s uncertainties.

EMERGENCY FUND

Bright Moments is the answer for your financial emergencies. You can use the cash values earned from the policy.

POLICY ENHANCEMENT OPTIONS

If you want more benefits, enhance your Bright Moments with the following:

  • Accidental Death and Dismemberment
  • Waiver of Premium Due to Disability
  • Payor’s Benefit Rider
  • Terminal Illness Living Benefit Rider (Free)

CONVENIENT PAYMENT OPTIONS

Choose the option that fits your budget.

You can pay in 5, 7, and 10-pay options in quarterly, semi-annual and annual payment modes. Mastercard and Visa credit cards are accepted.

PLUS PREMIUM DISCOUNTS ARE AVAILABLE FOR HIGHER FACE AMOUNTS.

Issue Age: 1 to 65 (5 & 7 years to pay)
                    1 to 60 (10 years to pay)

 

TABLE OF PRE-COMPUTED PREMIUMS

years to payage of insuredFACE AMOUNT
500,000.001,000,000.00
5 PAY 20 27,320.24 50,088.80
25 29,980.35 55,791.82
35 38,774.34 74,402.75
45 54,617.73 107,338.66
55 81,549.51 161,109.61
7 PAY 20 21,160.67 38,804.75
25 23,407.98 43,581.28
35 29,976.02 57,243.20
45 41,869.22 82,233.90
55 63,933.24 126,248.89
10 PAY 20 16,657.88 30,588.98
25 18,412.07 34,308.97
35 23,755.71 45,730.39
45 33,287.60 65,326.72
55 52,613.84 103,853.12

interested?

Education

What do you want to be when you grow up?

This is one question most parents ask their kids. Whatever the answer is, parents will do everything within their power to make sure their child's dream is fulfilled. Cocolife, the biggest Filipino-owned stock life insurance company, helps you fulfill this dream with Cocolife BRIGHT MINDS, the college education plan loaded with benefits.

COLLEGE BENEFIT AVAILMENT OPTIONS

Cocolife BRIGHT MINDS is the first college education plan to provide two benefit availment options:

Semester Package
This option provides semestral cash benefits equivalent to 10% of the Face Amount at attained age 18 of your child.

Trimester Package
Tailor-made for the trimester system set-up. A trimester cash benefit equivalent to 7% of the Face Amount will be provided at attained age 18 of your child.

Whatever option you choose, your child will enjoy the following benefits:

INCREASING COLLEGE EDUCATION BENEFITS
Cushion the impact of rising cost of education. Cocolife BRIGHT MINDS college benefits automatically increase by 15% yearly.

GRADUATION STARTER FUND
Reward your child with seed money to jumpstart his future. Twenty percent (20%) of the Face Amount will be given at attained age 22 of your child.

LIFE INSURANCE UP TO AGE 25
Protect your child from the time of Cocolife BRIGHT MINDS enrollment until age 25.

FULL GUARANTEE
Cocolife shall waive all future premiums of your Cocolife BRIGHT MINDS policy in the event of the payor's untimely demise or total and permanent disability before age 60.

ELEMENTARY AND HIGH SCHOOL CONTINGENCY FUND
Secure your child's pre-college education. In the event of the payor's untimely demise or total or permanent disability, Cocolife BRIGHT MINDS will provide 10% of the Face Amount for every elementary and high school year before the chosen college benefit enrollment option commences.

FLEXIBLE PAYMENT TERMS
Cocolife BRIGHT MINDS can be paid in 5 and 10-Pay options.

POLICY ENHANCEMENT OPTIONS

  • Payor's Term Insurance
  • Accidental Death and Dismemberment (for Payor

ISSUE AGE

  • 10-Pay Option: 0 to 8 years old
  • 5-Pay Option: 0 to 10 years old

 

ILLUSTRATIVE RATES

interested?

Retirement

For the majority of us, getting older means diminished incomes. While we are still at the peak of our careers, we need to prepare for the time when we will eventually slow down. Cocolife Bright Advantage is a disciplined savings program that helps you save and grow your money for the future. This will give you enough capital to start your own business, go on that dream vacation or just retire comfortably.

 

LUMP SUM CASH BENEFIT

Choose the year you want to get the cash…your maturity year.* On that year, you will receive your cash benefits in one lump sum, equivalent to 100% of the face amount.

*Available maturity options are the following:

  • 5-Pay: 10, 15, 20 years & Endowment at Age 60
  • 10-Pay: 15, 20 years & Endowment at Age 60

 

MORE ADVANTAGES FROM BRIGHT ADVANTAGE

LIFE INSURANCE PROTECTION
Stay financially secure from the start of your Bright Advantage policy up to maturity.

EMERGENCY FUND
Solve your financial emergencies easily from the cash values earned from your policy.

POLICY ENHANCEMENT OPTIONS
Enhance your Bright Advantage Policy by adding the following benefits:

  • Accidental Death and Dismemberment
  • Waiver of Premium Due to Disability
  • Payor’s Benefit Rider
  • Terminal Illness Living Benefit Rider (free)

CONVENIENT PAYMENT OPTIONS
You can avail of Bright Advantage via two easy payment options…5-Pay or 10-Pay. Payments can be made annually, semi-annually, or quarterly. Payments can also be made using your Mastercard or Visa credit cards

ISSUE AGE:

  • 10, 15, 20 Years to Mature: 10 to 60 years old
  • 5-Pay Endowment at Age 60: 10 to 50 years old
  • 10-Pay Endowment at Age 60: 10 to 47 years old

 

Years To Pay: 5
Payment Mode: Annual
15 years to mature

FACE AMOUNT

ISSUE AGE300,000.00500,000.001,000,000.00
10 43,114.00 71,590.00 142,780.00
20 43,273.00 71,855.00 143,310.00
30 43,441.00 72,135.00 143,870.00
40 44,053.00 73,155.00 145,910.00
50 45,700.00 75,900.00 151,400.00
55 47,332.00 78,620.00 156,840.00

 

Years To Pay: 5
Payment Mode: Annual
20 years to mature

FACE AMOUNT

ISSUE AGE300,000.00500,000.001,000,000.00
10 34,246.00 56,810.00 113,220.00
20 34,459.00 57,165.00 113,930.00
30 34,765.00 57,675.00 114,950.00
40 35,788.00 59,380.00 118,360.00
50 38,440.00 63,800.00 127,200.00
55 40,984.00 68,040.00 135,680.00

interested?
TOP

Freedom to Live Your Life!

CONTACT US NOW