Supplementary Benefits

You may enhance the benefits of your policy with the following:

Accident and Health (A&H)

Accident and Health (A&H)provides additional coverage in case of death, dismemberment or total and permanent disability. You also have an option to add Medical Reimbursement.

Accidental Death Benefit (ADB)

Accidental Death Benefit (ADB)provides an additional amount if death is due to accident.

Waiver of Premium / Waiver of Premium Plus (WP/WP+)

Waiver of Premium / Waiver of Premium Plus (WP/WP+) WP waives premiums in case of total and permanent disability.

WP+ waives premiums in case of total and permanent disability and provides annual disability income equivalent to the waived premium.

Payor’s Benefit Death / Payor’s Benefit Death and Disability (PBD/PBDD)

Payor ’s Benefit Death / Payor’s Benefit Death and Disability (PBD/PBDD)PBD waives the remaining premiums on a juvenile policy in case the payor dies before child reaches age 25 or before the policy matures or before termination, whichever comes first.

PBDD waives the remaining premiums on a juvenile policy in case the payor dies or becomes totally and permanently disabled before child reaches age 25 or before the policy matures or before termination, whichever comes first.

Yield Enhancer Rider (YER)

The Yield Enhancer Rider guarantees the return of all annual premiums paid by the policyowner for 20 years, plus a YER bonus on the 20th policy anniversary if the Insured is then living. If the Insured’s death occurs prior to this date, the beneficiaries will receive all the paid annual premiums, in addition to the insurance policy’s basic life insurance benefit. This rider is attachable to selected products with at least 20 years of premium paying period.

Lifeline (LL)

Lifeline (LL) provides a one-time lump benefit to the insured upon diagnosis of any of the covered critical illnesses.

Hospital Income Benefit (HIB)

Hospital Income Benefit (HIB) provides daily cash benefit upon confinement due to sickness or injury. Benefit is doubled for dread diseases.

Female Cancer Rider (FCR)

Female Cancer Rider (FCR) provides a lump sum amount upon diagnosis of cancer of any of the female organs indicated in the policy contract. You also have an option to avail of the quarterly cash support benefit, daily hospital income benefit if confinement is due to diagnosed cancer and surgical expense benefit.

Mediguard

Mediguard provides daily hospital income and additional benefits (optional) for long term hospitalization, intensive care unit confinement and surgery.