✅ Life insurance coverage
Cocolife Agapay provides life insurance coverage that secures your loved ones' future in case of your untimely passing.

✅ Affordable premiums
Start your investment journey with minimal and manageable initial premiums tailored to your budget.

✅ Critical illness coverage
Receive a lump-sum cash payout upon diagnosis of any of 36 covered critical illnesses, including heart attack, stroke, and cancer. This helps cover medical and treatment expenses during hospitalization and recovery.

✅ Hospitalization income benefit
Get daily cash assistance for each day of hospital confinement due to illness, critical disease, or injury. This helps with hospital bills and everyday expenses while you’re unable to work.

✅ Waiver of premium
Stay covered even if you're unable to work due to disability. Your premiums will be waived, so your protection continues.

✅ Aftercare fund
Agapay allows you to invest and grow your fund while it covers you with life and health insurance protection. You may use your plan's account value as an optional savings fund for your medical aftercare or other long-term ambitions.

✅ Loyalty bonus
Enjoy loyalty bonuses at the end of the 10th policy year and every five years thereafter, adding extra value to your long-term plan. 

A smart investment-linked life and health insurance plan designed to protect your future in more ways than one.

With built-in life, health, and savings benefits, Cocolife Agapay lets you grow your wealth while staying protected through life’s uncertainties.

What is Cocolife Agapay?

Who can get Cocolife Agapay?

Filipinos aged 5 to 60 for Agapay Basic and 5 to 55 for Agapay Preferred are eligible to apply.

How much is the coverage?

You can choose between ₱750,000 and ₱1,000,000 coverage for both life and critical illness benefits.

What is the hospitalization income benefit?

With Agapay Preferred, you get ₱1,000 daily cash assistance from the first day of hospital confinement, provided your stay lasts at least three days. This benefit is payable for up to 365 continuous days of confinement. Additionally, you receive an extra daily cash benefit for ICU stays, covering up to 120 continuous days per confinement.

How do I pay for the plan?

You can choose to pay monthly, quarterly, semi-annually, or annually.

What happens if I become disabled and can’t work?

Under Agapay Preferred, your premiums will be waived if you become disabled and unable to work, so your coverage continues without interruption.

What is the payor’s benefit?

If the insured is a child (age 5–17), this benefit waives all future premiums if the parent or guardian (the payor) dies or becomes disabled—so the child stays protected.

Is there a savings or investment component?

Yes! Agapay is an investment-linked insurance plan, which means part of your premium goes into an investment fund of your choice to help you save for long-term goals like retirement, aftercare, or education.