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Products

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.

Bancassurance

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

Bancassurance

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

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

MAC

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

  • A balanced fund invested in high grade bonds
  • Earning based on the rate decalred by the company
  • Maximum fund allocation of 90%

PESO FIXED INCOME FUND

  • Portfolio of high grade bonds and evidence of debt of solvent corporations and government bonds
  • Generate regular interest income and dividends for the fund

PESO EQUITY FUND

  • Diversified porfolio o blue chip and growth stocks listed in the Philippine Stock Exchange
  • Attain long-term capital growth

PESO BOND FUND

  • Diversified portfolio of government securities or bonds and evidences or obligations which are fully guaranteed by the Republic of the Philippines or any of its instrumentalities.

DOLLAR GUARANTEED FUND

  • US Dollar denominated high grade bonds
  • Earnings based on the rate declared by the company
  • Maximum fund allocation of 90%

DOLLAR BOND FUND

  • US Dollar denominated fixed income instruments
  • Generate regular interest income and dividends for the fund

 

FEATURES

 

AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS

  •  Single Pay
  •  Regular Pay

FLEXIBLE FEATURES

Diversified Investment Mix

  • Guaranteed Funds - Fixed interest  rates*
    • Peso Guaranteed Fund
    • Dollar Garanteed Fund
  • Unitized Funds
    • Fixed Income Fund
    • Equity Fund
    • Peso Bond Fund
    • Dollar Bond Fun

Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial

 

LOW MAINTAINING BALANCE

  • P20,000 for Peso Plans
  • $1,000 for Dollar Plans

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

  • Low and Affordable Initial Premium Charge

ISSUE AGES - 1 to 70

 

 

MAP

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

  • A balanced fund invested in high grade bonds
  • Earning based on the rate decalred by the company
  • Maximum fund allocation of 90%

PESO FIXED INCOME FUND

  • Portfolio of high grade bonds and evidence of debt of solvent corporations and government bonds
  • Generate regular interest income and dividends for the fund

PESO EQUITY FUND

  • Diversified porfolio o blue chip and growth stocks listed in the Philippine Stock Exchange
  • Attain long-term capital growth

PESO BOND FUND

  • Diversified portfolio of government securities or bonds and evidences or obligations which are fully guaranteed by the Republic of the Philippines or any of its instrumentalities.

DOLLAR GUARANTEED FUND

  • US Dollar denominated high grade bonds
  • Earnings based on the rate declared by the company
  • Maximum fund allocation of 90%

DOLLAR BOND FUND

  • US Dollar denominated fixed income instruments
  • Generate regular interest income and dividends for the fund

 

FEATURES

 

AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS

  •  Single Pay
  •  Regular Pay

FLEXIBLE FEATURES

Diversified Investment Mix

  • Guaranteed Funds - Fixed interest  rates*
    • Peso Guaranteed Fund
    • Dollar Garanteed Fund
  • Unitized Funds
    • Fixed Income Fund
    • Equity Fund
    • Peso Bond Fund
    • Dollar Bond Fun

Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial

 

LOW MAINTAINING BALANCE

  • P20,000 for Peso Plans
  • $1,000 for Dollar Plans

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

  • Low and Affordable Initial Premium Charge

ISSUE AGES - 1 to 70

 

 

MAP Plus

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

  • A balanced fund invested in high grade bonds
  • Earning based on the rate decalred by the company
  • Maximum fund allocation of 90%

PESO FIXED INCOME FUND

  • Portfolio of high grade bonds and evidence of debt of solvent corporations and government bonds
  • Generate regular interest income and dividends for the fund

PESO EQUITY FUND

  • Diversified porfolio o blue chip and growth stocks listed in the Philippine Stock Exchange
  • Attain long-term capital growth

PESO BOND FUND

  • Diversified portfolio of government securities or bonds and evidences or obligations which are fully guaranteed by the Republic of the Philippines or any of its instrumentalities.

DOLLAR GUARANTEED FUND

  • US Dollar denominated high grade bonds
  • Earnings based on the rate declared by the company
  • Maximum fund allocation of 90%

DOLLAR BOND FUND

  • US Dollar denominated fixed income instruments
  • Generate regular interest income and dividends for the fund

 

FEATURES

 

AVAILABLE IN PESO AND US DOLLAR DENOMINATIONS

  •  Single Pay
  •  Regular Pay

FLEXIBLE FEATURES

Diversified Investment Mix

  • Guaranteed Funds - Fixed interest  rates*
    • Peso Guaranteed Fund
    • Dollar Garanteed Fund
  • Unitized Funds
    • Fixed Income Fund
    • Equity Fund
    • Peso Bond Fund
    • Dollar Bond Fun

Increasing Living and Insurance Benefits via top-ups
Switch funds for free twice a year
Fund Withdrawal - Full or Partial

 

LOW MAINTAINING BALANCE

  • P20,000 for Peso Plans
  • $1,000 for Dollar Plans

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

  • Low and Affordable Initial Premium Charge

ISSUE AGES - 1 to 70

 

 

Grow

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.

 

Realize your wealth potential with Cocolife GROW!

  • Minimum Single Premium: P500,000.00
  • Issue Ages: 1 to 70 years old
  • Maturity Period: 3 years

 

Illustration: 40 Years old, Maturity Date: End of 3rd Policy Year

Illustration: 40 Years old, Maturity Date: End of 3rd Policy Year - See more at: /grow.html#sthash.dJkY8kk9.dpuf

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

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?

  • One way is to find the right investment.
  • One that will give you high returns.
  • One investment vehicle that promises to do this is Cocolife Zenith. This 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. Take a look at these features and see how Cocolife Zenith can help build your wealth.

 

Advantages of Cocolife Zenith

  • Insurance and Investment Plan With Zero Premium Charge

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.

  • Loyalty Bonus

A loyalty bonus will be credited to your fund at the end of the 10th policy year and every 5 years thereafter.

  • Fund Switching Facility

When the policy is in-force, you may apply to switch units of one investment fund allocated to the policy to another investment fund.

  • Partial/Full withdrawal

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:

  • Peso Guaranteed Fund
    • A balanced fund invested in high grade bonds and debt instruments
    • Earning based on the rate declared by the company
    • Guaranteed to earn at an annual interest rate not lower than 3%
  • Peso Fixed Income Fund
    • Portfolio of high grade bonds and evidence of debt of solvent corporations and government bonds
    •  Generate regular interest income and dividends to the fund
  • Peso Equity Fund
    • Diversified portfolio of blue chip and growth stocks listed in the Philippine Stock Exchange
    • Attain long-term capital growth
  • Peso Bond Fund
    • Diversified portfolio of government securities or bonds and evidences of indebtedness or obligations which are fully guaranteed by the Republic of the Philippines or any of its instrumentalities.


Issue Age: 1-70 years old
Minimum Face Amount: Php 500,000.00
Minimum Single Premium: Php 400,000.00

 

Zenith Illustrative Fund Values

 

30 YEARS OLD

Zenith Illustrative Fund Values: 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

Zenith Illustrative Fund Values: 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.

 

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

Annual Renewable Term

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.

10-Year Renewable Convertible Term

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.

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

Zenith Dollar

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Group Insurance

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 Insurance

GROUP YEARLY RENEWABLE TERM INSURANCE

  • Pays the beneficiaries the amount of insurance in case of death
  • GYRT provides flexible coverage options based on: fixed amount, salary, rank or tenure
  • Insurance coverage 24 x 7, on & off the job

GROUP CREDIT (GCLI) / MORTGAGE REDEMPTION INSURANCE (MRI) / GROUP TERM INSURANCE

  • Pays creditor the outstanding loan balance in case of insured-debtor's death
  • Flexible coverage option
    • Outstanding loan balance at death
    • Outstanding loan balance every loan anniversary
    • Initial loan amount

GYRT DOLLAR PLAN

  • Pays the beneficiaries the amount of insurance in case of death
  • GYRT provides flexible coverage options based on: fixed amount, salary, rank or tenure
  • Insurance coverage 24 x 7, on & off the job

Healthcare

Healthcare

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.


Individual Insurance

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

Individual Insurance

Protection


FLEXI 10

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.

 

Future Savings Platinum

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.

Education

FLEXI 10

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.

 

 

Investment / Savings

FLEXI 10

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.

Pension / Retirement

FLEXI 10

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.

 

Medical

Zenith Med

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.

Mutual Funds

Mutual Funds

COCOLIFE ASSET MANAGEMENT COMPANY, INC. (CAMCI)

Cocolife Asset Management Company, Inc. (CAMCI) is a wholly owned subsidiary of Cocolife. It started operations in 2004 and is licensed to operate as an investment adviser and principal distributor of United Fund, Inc., Cocolife Fixed Income Fund, Inc. and Cocolife Dollar Fund Builder, Inc.

CAMCI FUND MANAGERS

The company has some of the best financial minds in the investment industry. CAMCI fund managers are known for their investing strategy, professionalism and wide experience in the business.

FUND PERFORMANCE

CAMCI funds have received recognition and awards both from international and local award giving bodies such as Thomson Reuters Lipper Fund and Philippine Investment Funds Association (PIFA) for their superior returns.

FUNDS

  • United Fund Inc.UFI is a growth-oriented mutual fund, which seeks to maximize income and maintain liquidity of investments, with focus on medium to long-term capital appreciation through substantial investment in blue chips and growth stocks listed in Philippine Stock Exchange.
  • Cocolife Fixed Income Fund, Inc.CFIFI is an income-oriented mutual fund, which seeks to generate regular and steady interest income, consistent with its policy to preserve capital and to maintain liquidity of its investments through a diversified portfolio of corporate bonds, government securities, and other fixed income institutions.
  • Cocolife Dollar Fund Builder, Inc.CDFBI is a growth and income-oriented mutual fund, which aims to provide investors with long-term capital appreciation. The fund seeks to generate long-term total returns from interest income and capital growth by investing in a diversified portfolio of US dollar-denominated fixed income and equity investments.

Migrant Workers


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.

DepEd Loans


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.

Seafarer's Protection Program


COCOLIFE SEAFARER'S SECURITY PROGRAM FEATURES:


  • An effective and systematic way of saving for future needs
  • Comprehensive insurance protection even when you're off-duty or while you're on vacation
  • Minimal premium outlay that can ensure financial security for your loved ones
  • Plus, financial assistance via an accessible loan facility with flexible payment mode and affordable interest rates

LOANS PACKAGE:


  • Loanable Amount
    • P20,000.00 up to P30,000.00 depending on Seafaferer's Basic Pay
  • Individual Qualifications
    • 21 to 65 years old
    • With at least 1-time completed contract
    • Medical report of not more than 4 months
    • With minimum basic pay of P7,000.00 per month
  • Individual Requirements
    • Duly filled-out Application Form
    • Photocopy of Contract with POEA stamped
    • Photocopy of Overseas Employment Certificate
    • Service Record
    • Certificate of Departure
    • Allotment Slip
    • Photocopy of Passport
    • Photocopy of Seaman's Book

Microinsurance


GROUP YEARLY RENEWABLE TERM PLAN FOR MICROINSURANCE


  • A plan that provides life insurance coverage and optional supplemental benefits to the low-income sector [or disadvantaged sector]
  • Pays benefits of up to 500 times the daily minimum wage rate in case of death, disability or injury
  • Involves simpler application and claim documentation requirements

GROUP CREDIT LIFE INSURANCE PLAN FOR MICROINSURANCE


  • A plan that provides the low-income sector [or disadvantaged sector] with credit life insurance coverage of up to 500 times the daily minimum wage rate
  • Death or disability benefit is primarily used for payment of outstanding loan; any excess benefit will be paid to the beneficiaries
  • Involves simpler application and claim documentation requirements

HOSPICASH PLAN FOR MICROINSURANCE


  • A fixed income benefit hospitalization plan for the low-income sector [or disadvantaged sector]
  • Pays daily cash benefit, supplementary cash benefit, transportation allowance and companion allowance upon the insured's hospital confinement
  • Yearly renewable coverage up to age 100

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