ESP, YRT and TEB (MAnulife)


Employee Security Program (ESP)
 A yearly renewable employee benefits program designed to cover the employees' life insurance, disability, dismemberment and hospital income needs of groups with more than 10 employees/members
Employee Assistance for Small scale Enterprise (EASE)
 A yearly renewable employee benefits program designed to cover the employees' life insurance, disability, dismemberment and hospital income needs of groups with only 5 - 10 employees/members.
 Corporate Plan Right
 A limited pay savings program designed for groups wanting pension privileges at a cost effective rate
 Student Personal Accident
 A cost effective accident insurance and dismemberment program designed to cover students of an educational institution
 Credit Life
 Group credit life protection offered to customers of financial institutions




YRT and ReACT5 are term insurance plans which provide fixed term protection coverage for one (1) year and five (5) years, respectively.  These plans are very flexible due to the renewability and convertibility features.

FirstProtect is an affordable insurance product loaded with additional benefits. It guarantees the insured life and accident protection for 10 years. At the end of the
10-year period, the insured is entitiled to a maturity benefit . The product is packaged with Accidental Death Benefit and Payor's Benefit (PB) or Total Disabitlity Waiver (TDW).

FirstProtect Plus is a 10-year insurance product with maturity benefit. It offers maximum protection at an affordable price. It's also loaded with benefits to guarantee the insured with complete life and accident protection benefits.

Adam and Eve are gender-specific participating whole life products that accumulate cash values and earn dividends with coverage up to age 85. These are comprehensive plans with the following core benefits: guaranteed life insurance protection; guaranteed major disease benefits; guaranteed accident coverage, and guaranteed premium waiver protection features.
CriticalCare is a critical illness insurance that provides a lump sum benefit payment in the event that the insured person is diagnosed to have a critical illness condition. It is a comprehensive medical protection policy with the following core features: Guaranteed accelerated critical illness benefit; Guaranteed invasive surgical treatment benefit; Guaranteed gender-specific illness benefit; Guaranteed 50% return of premium living benefit, and Guaranteed life insurance protection.
HealthPlus is a lifetime comprehensive health insurance product that helps defray your hospitalization-related expenses such as room & board, medications, lab tests, surgical and other expenses related to hospital confinement.
Affluence Builder is a regular pay variable life insurance product that offers you the opportunity to earn market yield rates on a range of investment fund options, while providing ample insurance protection.
Affluence is a single pay variable life product with several investment options to match the investment requirements of the policyholder.  It allows policy owners the flexibility to invest in any one or combination of separate investment funds through a single premium and later, opt to switch investments partially or entirely from one fund to another.
Affluence Max Gold  is a single pay variable life product that is designed to give you the best possible returns on both your investment and built-in insurance protection coverage. It has zero entry free that optimize the potential earnings of your investment.
For Education and / or Retirement 
Smart Minds is a peso participating anticipated endowment plan designed for children's education needs through a comprehensive Total Education Benefit (TEB) package. It also has protection benefits and contingent fund in case of the Payor's death or disability.
Freedom is a participating endowment product that provides a variety of guaranteed cash benefits over a 20-year period or up to the age of 65. These are made possible through the guaranteed cash payout and guaranteed maturity benefit design features of the product. 
Plan Right is a participating savings plan that pays a guaranteed maturity value on the maturity date regardless of whether the planholder is living or not. It is designed to allow flexibility in meeting the planholder's varied savings purposes.

jsbraza/iligan

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