Cocolife is committed to give you the financial freedom to live your dreams. So whether, it is a new home, college education or enough money to go on vacation, Cocolife is here to make your dreams come true. Our list of products and services are designed to answer your specific needs.
Our bancassurance partnership allows us to offer comprehensive insurance products exclusively designed for UCPB clients.
DIVIDEND EARNINGS FOR LIFE
Get lifetime dividend earnings which you can use to:
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:
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)
| years to pay | age of insured | FACE AMOUNT | |
|---|---|---|---|
| 500,000.00 | 1,000,000.00 | ||
| 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 | |
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
ISSUE AGE
ILLUSTRATIVE RATES
An ideal investment for your professionals and entrepreneurs.
Money Accumulator Classic or MAC gives young professionals access to a variety of fund options at a minimal cost. It is the only available variable life program in the country today that offers an incomparable product advantage. The Guaranteed Fund. This ensures capital growth and protection through its guaranteed interest rate that is higher than ordinary savings products.
PORTFOLIO OF FUNDS
Investors may choose from any of these funds managed by seasoned professional fund managers.
PESO GUARANTEED FUND
PESO FIXED INCOME FUND
PESO EQUITY FUND
PESO BOND FUND
DOLLAR GUARANTEED FUND
DOLLAR BOND FUND
FEATURES
AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS
FLEXIBLE FEATURES
Diversified Investment Mix
Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial
LOW MAINTAINING BALANCE
TWO OPTIONS IN CASE OF UNTIMELY DEMISE:
Option 1- Beneficiaries will receive a lump sum equal to the higher of the Face Amount or the Account Value.
Option 2- Beneficiaries will receive a lump sum equal to the Face Amount plus the Account Value up to the insured's age of 65. Thereafter, the lump sum will be equal to the higher of the Face Amount or the Account Value.
LOYALTY BONUS
WITHDRAWABLE
MINIMAL COSTS
ISSUE AGES - 1 to 70
Cocolife Money Accumulator Preferred or MAP is a breakthrough in variable life products. MAP's unique product advantage, the Guaranteed Fund, provides a fixed interest rate that is higher than ordinary savings and wealth building products. MAP is available in Peso and Dollar denominations.
PORTFOLIO OF FUNDS
Investors may choose from any of these funds managed by seasoned professional fund managers.
PESO GUARANTEED FUND
PESO FIXED INCOME FUND
PESO EQUITY FUND
PESO BOND FUND
DOLLAR GUARANTEED FUND
DOLLAR BOND FUND
FEATURES
AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS
FLEXIBLE FEATURES
Diversified Investment Mix
Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial
LOW MAINTAINING BALANCE
TWO OPTIONS IN CASE OF UNTIMELY DEMISE:
Option 1- Beneficiaries will receive a lump sum equal to the higher of the Face Amount or the Account Value.
Option 2- Beneficiaries will receive a lump sum equal to the Face Amount plus the Account Value up to the insured's age of 65. Thereafter, the lump sum will be equal to the higher of the Face Amount or the Account Value.
LOYALTY BONUS
WITHDRAWABLE
MINIMAL COSTS
ISSUE AGES - 1 to 70
Money Accumulator Preferred Plus is a single-pay variable life investment product with increasing death benefit. Depending on your risk appetite, Cocolife will invest your money in six fund options: Peso Guaranteed Fund, Peso Fixed Income Fund, Peso Equity Fund, Peso Bond Fund, Dollar Guaranteed Fund, and Dollar Bond Fund. MAP Plus is available in Peso and Dollar denominations..
PORTFOLIO OF FUNDS
Investors may choose from any of these funds managed by seasoned professional fund managers.
PESO GUARANTEED FUND
PESO FIXED INCOME FUND
PESO EQUITY FUND
PESO BOND FUND
DOLLAR GUARANTEED FUND
DOLLAR BOND FUND
FEATURES
AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS
FLEXIBLE FEATURES
Diversified Investment Mix
Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial
LOW MAINTAINING BALANCE
TWO OPTIONS IN CASE OF UNTIMELY DEMISE:
Option 1- Beneficiaries will receive a lump sum equal to the higher of the Face Amount or the Account Value.
Option 2- Beneficiaries will receive a lump sum equal to the Face Amount plus the Account Value up to the insured's age of 65. Thereafter, the lump sum will be equal to the higher of the Face Amount or the Account Value.
LOYALTY BONUS
WITHDRAWABLE
MINIMAL COSTS
ISSUE AGES - 1 to 70
Grow is a risk- free, high yielding investment that optimizes your wealth in times of market fluctuations. This product absolutely guarantees that your capital is secure and will earn high investment gains regardless of economic conditions.
Fund Allocation
Your money will be placed in two types of funds:
90% in Medium Term Guaranteed Fund, which seeks to provide regular interest income, through a diversified portfolio of high-grade bonds and/or evidences of debt. Provides fixed-rate earnings as quoted by the Company, and guaranteed for three (3) years.
10% in income and Growth Fund, a unitized variable fund that seeks to maximize interest income.
Illustration: 40 Years old, Maturity Date: End of 3rd Policy Year
A 3-year term with a guaranteed return of 10.6% over 3 years or an average net annual return of 3.5%
NOTE: Guaranteed Maturity Values above are applicable only to standard risks and subject to conditions of the Guaranteed Maturity Value Endorsement.
Zenith is a single-pay variable life that allows you to reach the zenith of investment returns; so you and your family can live your dreams.
HOW CAN YOU TURN YOUR MONEY INTO WEALTH?
Advantages of Cocolife Zenith
It provides an opportunity for faster accumulation of fund value because it has no premium charge. Your life insurance coverage equals to at least 125% of investment principal.
A loyalty bonus will be credited to your fund at the end of the 10th policy year and every 5 years thereafter.
When the policy is in-force, you may apply to switch units of one investment fund allocated to the policy to another investment fund.
Funds maybe partially or fully withdrawn anytime*
* Note: Withdrawals made in the first 5 years are subject to withdrawal charges.
Fund Options
Depending on your risk appetite, here are the fund options you can choose from:
Issue Age: 1-70 years old
Minimum Face Amount: Php 500,000.00
Minimum Single Premium: Php 400,000.00
30 YEARS OLD
Single Premium: Php 1,000,000.00
Face Amount: Php 1,250,000.00
Fund Mix:
Peso Guaranteed Fund: 90%
Peso Fixed Income Fund: 5%
Peso Equity Fund: 5%
40 YEARS OLD
Single Premium: Php 5,000,000.00
Face Amount: Php 6,250,000.00
Fund Mix:
Peso Guaranteed Fund: 90%
Peso Fixed Income Fund: 5%
Peso Equity Fund: 5%
* Illustrative fund values are based on the interest rate assumptions specified above. Applicable withdrawal charges will be deducted from the fund value.
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:
| FACE AMOUNT 1,000,000.00 | |||
|---|---|---|---|
| issue age | 5-pay | 7-pay | 10-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 age | 5-pay | 7-pay | 10-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
The Annual Renewable Term plan renews every year at attained age premiums until attained age 70. It can be converted to a permanent plan until attained age 70 without evidence of insurability.
The 10-Year Renewable Convertible Term Plan renews every 10 years at attained age premium until attained age 60. It can be converted to a permanent plan until attained age 70 without evidence of insurability.
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.
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:
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:
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:
| ISSUE AGE | 300,000.00 | 500,000.00 | 1,000,000.00 |
|---|---|---|---|
| 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 |
| ISSUE AGE | 300,000.00 | 500,000.00 | 1,000,000.00 |
|---|---|---|---|
| 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 |
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Cocolife is the leader in Group Insurance, a ranking provided by no less than the Insurance Commission of the Philippines. Companies and organizations can rely on Cocolife to provide them with an insurance package that answers the needs of their employees, members or debtors.
GROUP YEARLY RENEWABLE TERM INSURANCE
GROUP CREDIT (GCLI) / MORTGAGE REDEMPTION INSURANCE (MRI) / GROUP TERM INSURANCE
GYRT DOLLAR PLAN
COCOLIFE Healthcare was established in 1997 to complete Cocolife's array of risk protection services. As the demands of the market evolved, a card-based service was introduced in 1999 in addition to its reimbursement type of health insurance.
We are the first healthcare program provider certified by ISO 9001:2008 and regulated by the Insurance Commission.
We continuously expand our reach and to date we have a network consisting of over 40,000 healthcare providers (hospitals, clinics, physicians, and dentists) across the country. We are the healthcare provider of choice of over 1,000 corporations that trust our brand of service delivery.
Our efforts to deliver the best healthcare program have not been left unnoticed. Various consumer groups and award giving bodies acknowledged COCOLIFE Healthcare as the Most Outstanding Healthcare Program Provider, and among them are Consumers Union of the Philippines, Global Excellence Awards, Asia Pacific Excellence Awards, and the Parangal ng Bayan Foundation.
These achievements and recognitions are an inspiration to the men and women behind COCOLIFE Healthcare. We shall continue to uphold and improve our commitment to provide innovative, flexible, and superior quality healthcare service for our members and partners because COCOLIFE Healthcare cares for you and those you care for.
Cocolife understands that we all live different lives and we all have different needs. That is why Cocolife designed a whole slew of individual products that help us achieve our goals, our dreams
FAMILY PROTECTION
Anything can happen...whether you are just starting your career, raising your own family, sending your kids to school or even when entering into your retirement. Should something happen to you, what happens to your loved ones?
This will surely take a toll not just on their emotional, and physical well- being, but also on their finances. Surely, the least you can do is prepare for their financial security so they can feel your love and care even if you’re no longer around.
A special financial plan that lets you enjoy more than 200% life insurance protection plus guaranteed cash bonuses.
This product is exclusively available for Mall Clients.
PREPARE FOR YOUR CHILD’S COLLEGE EDUCATION NOW!
What do you want to be when you grow up?
This is one question most parents ask their kid. Whatever the answer, parents will do anything within their power to ensure that their child’s dream is fulfilled.
Cocolife, the biggest Filipino-owned stock life insurance company, helps you fulfill this dream with FLEXI 10, a disciplined savings and investment program designed to give your child the brightest future he deserves.
YOU DREAM, WE MAKE IT REAL
A lavish destination wedding, a brand-new SUV or a fully-furnished house in an exclusive village. If this is your dream, Cocolife, the biggest Filipino-owned stock life insurance company can help you make it real.
You can start building funds for major purchases like the equity for your dream house, or the start-up capital for your very own business.
RETIREMENT
Anything can happen...whether you are just starting your career, raising your own family, sending your kids to school or even when entering into your retirement. Should something happen to you, what happens to your loved ones?
This will surely take a toll not just on their emotional, and physical well- being, but also on their finances. Surely, the least you can do is prepare for their financial security so they can feel your love and care even if you’re no longer around.
Health is wealth. This is the best gift we can ever have, as a healthy body allows us to enjoy everything that life has to offer. With good health we can fulfill our life goals and live a full life.
Let us take good care of our health. Eat the right foods, have enough sleep, get some exercise. And just to be very sure that we are well protected, let us start investing for our health.
Cocolife has several investment funds that offer high investment returns which you can allocate funds for future medical needs. Take good care of your health now and let Cocolife take care of you during emergencies.
COCOLIFE ASSET MANAGEMENT COMPANY, INC. (CAMCI)
CAMCI FUND MANAGERS
FUND PERFORMANCE
FUNDS
The Filipino migrant workers are truly deserving of the title "Ang Bagong Bayani". They have fueled the nation's economy, providing the government the much needed revenues. As a way of giving back, the government passed RA 8042, the Compulsory Insurance Coverage for Agency-Hired Migrant Workers. Cocolife is privileged to be one of the accredited insurers. We are proud of this opportunity to provide our migrant workers with insurance protection. Cocolife is committed to give priority to the needs of our new heroes as we are big on caring for our migrant workers.
Teachers of the Department of Education and Culture comprise one of the largest block of clients covered through the salary or payroll system. As with the EPDI market, the salary loan option was also made available as attachment to the insurance plan.
COCOLIFE SEAFARER'S SECURITY PROGRAM FEATURES:
LOANS PACKAGE:
GROUP YEARLY RENEWABLE TERM PLAN FOR MICROINSURANCE
GROUP CREDIT LIFE INSURANCE PLAN FOR MICROINSURANCE
HOSPICASH PLAN FOR MICROINSURANCE
Freedom to Live Your Life!
