Our FAMILY has to live....

...when we die.

Gaano mo ka-mahal ang pamilya mo?

INTRODUCING

MOST 18 3.0

Multiple Option Super Term 18 3.0 of Manila Bankers Life is the most affordable 18-year term life insurance product with PDF or Premium Deposit Fund (investment). M.O.S.T. 18 allows a family to have MAXIMUM LIFE INSURANCE COVERAGE at the cheapest cost.

HOW AFFORDABLE

is M.O.S.T. 18?

For a 30-year old, the annual premium would only be P7,188 for a P1 million coverage.
Yes, that's right. You only have to pay P7,188 per year (not per month, not per quarter) and you’re already insured for P1 million.

IT HAS AN

Optional investment component called PDF.

What makes MBLife MOST 18 unique is that you can choose to pay more than your annual premium. And the excess cash that you pay will be invested to the PDF or Premium Deposit Fund to fund any of your financial goals (College Education, Retirement, Travel, etc.).

PDF IS LIKE A MUTUAL FUND

It can earn more than a savings account, and it is very liquid. You can put more money there anytime you want. And you can also withdraw your money from it any time you need it....with ZERO CHARGES!

For example, if you paid P15,000 instead of P7,188 for a particular year, then the excess P7,812 will be invested to your PDF.

The following year, because you have P7,812 in your PDF, you may or may not pay your premium since the premium may be deducted from your PDF.

Here's a video explanation on How M.O.S.T. 18 3.0 Works

What is MOST18?

MOST18 or Multiple Option Super Term 18 is a term life insurance with PDF (Premium Deposit Fund). It allows maximum coverage at a minimal cost. For exactly the same amount of protection, MOST 18 requires you to pay a very low premium cost compared to other life insurance products which will require you to pay higher amount of premium.

Here are the features and benefits of Most18 term life insurance with PDF.

Affordable Insurance. Potential 50%* lower than most life insurance like endowment, whole life. It allows you to have higher face amount.
Higher Fund Value. PDF allows higher growth of funds with guaranteed rate of return.
Premium Flexibility. Settle your contributions based on a schedule that fits your lifestyle.
Withdrawal (No Loan Charge) advantage. You can withdraw your savings anytime without any penalty; and still have the protection/coverage.
Level Coverage risk. Your savings is always added to your protection/coverage.
Issue ages are from 5 to 60 years old. Insure yourself and your whole family.
Addresses various financial needs. Serves various future needs such as retirement, education, travel, savings.
Convertible to permanent insurance. You have the option to convert your insurance to permanent plans prior to age 65.
Renewable at the expiry date. You may renew your insurance for a period of 18years before you reach age 60.
Low chance of lapsation. Premiums may be settled from your investment earnings.
Fund advantage. You already have savings on the 1st year, which you can withdraw in case of emergency
Alternative investment flexibility. Free to decide where to invest the difference in buying term life

LIST OF

FEATURES AND BENEFITS

Term Insurance

Provides you the maximum coverage for 18 years with the lowest cost

Higher Fund Value

PDF allows higher growth of return. It has a ZERO-Negative feature. Even if the stock market drops in a particular year, the PDF will still give you a positive return for the year.

Accidental Death Benefit Rider (ADB)

If the insured dies due to a covered accident, the beneficiary will receive double (x 2) of the basic death benefit.

e.g. 2M x 2 = 4M

Payor's Death & Disability Benefit Rider (PDDB)

If the insured is a minor (below 18yo) and the payor passes away or becomes totally and permanently disabled, the remaining balance will be waived.

Terminal Illness Rider (Ti)

If insured is diagnosed to have an illness and life expectancy of 12 months or less, he/she will receive 50% up to a maximum of 500K from the death benefit. The remaining benefit will be given to the beneficiary upon death of the insured.

Critical Illness Rider (CI)

Provides additional 30% of the basic death benefit to the insured in the event that he/she is diagnosed with any of the 30 covered critical illnesses.

e.g. 2M x 30% = 600K CI benefit

Total and Permanent Disability Rider*

If the insured suffers from a disability caused by a bodily injury or qualified illness that continues uninterruptedly for at least 6 months, he/she will receive an amount equivalent to the basic death benefit.

*applicable to MOST GRP