Multiple Option Super Term (MOST) by IMG and Philam Life

After understanding the basics of life insurances, its different types and knowing how to compute your protection needs , it is important to translate all this knowledge through execution and application. And as International Marketing Group (IMG) is a believer of the BTID strategy, we have partnered with one of the largest life insurance company in the Philippines: Philam Life with its powerful product - "Multiple Option Super Term" (MOST).
must have protection at its best - life insurance
must have protection at its best - life insurance
Recommended Reads:
1. Understanding the basics of life insurance
2. What Type Of Life Insurance Do You Need?
3. How Much Life Insurance Protection Do You Need?
4. What Is Buy Term Insurance And Invest The Difference (BTID) Strategy?
IMG and Philam Life in partnership
Philam Life is the largest life insurance company in the Philippines and the market leader for over than 60 years. Philam is a member of the AIA Group Limited, the largest independent publicly listed pan-Asian life insurance group in the world. With such powerful partnership with the biggest financial broker in the Philippines, Philam Life through IMG is now offering Filipinos the most affordable yet fully beneficial term insurance called Multiple Option Super Term. 

The insurance benefits included in the plan:

1. Yearly Renewable Term (YRT) Life Insurance
Provides triple A protection: Anytime, Anywhere and Any cause of death except suicide and pre-existing conditions for the first two years. 

2. Accidental Death, Dismemberment and Disablement Benefit (ADDD)
pays a benefit over and above the YRT  for death or dismemberment due to accident: Philam Life will double the amount of coverage if the member dies due to accident, or will pay a percentage of the amount of coverage in case of dismemberment or disablement. 

Includes but not limited to:
- Loss of Life due to accident: 100%
Accidental Dismemberment or loss of use of limbs:
- both hands: 100%
- both feet: 100%
- one hand: 50%
- arm between elbow and wrist: 60%
- leg at or above knee: 70%
- loss of sight on both eyes: 100%
- loss of hearing: 100%
(for complete list, see your friendly IMG financial adviser/broker)

3. Terminal Illness Benefit (TIB)
advances 50% of the YRT, up to a maximum of php500,000 if the insured member is medically diagnosed as having a life expectancy of 12 months or less. If after the 12 months the member dies: the beneficiary will receive the balance. If the member survives after the 12 months, the remaining balance of the TIB will be paid to the insured.

4. Optional: Critical Illness Benefit (CIB)
pays a pre-determined amount if the member is diagnosed with cancer. The benefit is payable if the cancer is diagnosed for the first time and:
- cancer has metastasized and was initially diagnosed after 180 days following the effective date of the cancer CIB rider; or,
- member has been covered under the policy for at least two consecutive years.
a living benefit paid over and above YRT.

Members may be required to undergo additional medical requirements which will be evaluated before their coverage is approved. 

The premium for a 1 million coverage ranges from:
2,000 - 3,000+: (ages 19-30)
3,000 - 4,000+: (ages 30-40)
4,000 - 9,000+: (ages 40-50)
9,000 - 16,000+: (ages 50-60)
16,000 - 34,000+: (ages 60-69)

Now looking at the premium, even a taxi or jeepney driver can afford such low premium. The premium for life insurance is even cheaper than the premium of a comprehensive car insurance. With this in mind, is it very irresponsible of us knowing that there is such affordable life insurance and not getting one. Financial education without application is useless. 

To ask for a quotation, email us at: and or message us in our social media accounts.

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