For OFW families
Your wealth’s power to multiply, intensify and diversify
Diversify is a regular-pay, whole life policy that has its value directly linked to the performance of the underlying fund.
It brings together the opportunities of investing in expertly managed funds and the security of having insurance protection of at least 5 times of your basic annual regular premium while having maximum flexibility in determining its features
Specify your currency
- US Dollar
Choose how much to invest (Single Premium)
|Policy||Ages 0-40||Ages above 40|
|Peso||Php 15,000||Php 20,000|
|US Dollar||$ 400||$ 500|
Make those Add-ons
Add investments anytime to your Diversify Policy while it is in force through a Top-up Premium, the minimum amount is Php 20,000 for a Peso policy or $ 400 for a US Dollar policy. This increases you Total Sum Assured by 125% of the top-up amount.
Decide when to cash in
Withdraw any amount from your fund anytime. For partial withdrawals, your Diversify Policy remains in force as long as your fund value is enough to pay your monthly charges. You have 4 free withdrawals per policy year.
The minimum withdrawal amount is Php 10,000/USD 200 and the minimum maintaining balance in each fund after withdrawal must be at least Php 10,000/USD 200.
Opt for your level of protection
Option 1 – Level Death Benefit
Optimize your investment potential by allocating a bigger portion of your fund to the purchase of investment units. The death benefit is the fund value or the sum assured, whichever is higher.
Option 2 – Increasing Death Benefit
Optimize your insurance protection while keeping your investment opportunities. The death benefit is the sum of the fund value and your total sum assured.
Pick your choice of investment
- Peso Fixed Income Fund
- Philippine Equity Fund
- Managed Fund
- Dollar Fixed Income Fund
Switch and reshape your portfolio
Reallocate your funds to another type or combination as long as:
- The amount switched is not lower than Php 10,000 for a Peso policy.
- The amount in any of the funds after switching will not be lower than Php 10,000 for a Peso policy.
You are allowed 2 free switches within a policy year.
Option for Premium Direction
You get the flexibility of changing proportions of how your premiums are invested depending on market conditions and your investment appetite.
Option to Increase/Decrease in Premium
You may increase/decrease your premium at any due date of the policy.
Go for a loyalty bonus
Receive a loyalty bonus amounting to 2% of the average of your monthly balances after 5 years. Such is recalculated and added to your fund every 5 years.