Our FAMILY has to Live...
....when we die.
DO YOU LOVE YOUR FAMILY?
Show Your LOVE by PROTECTING Yourself with Adequate Life Insurance in case You Die Too Soon.
INTRODUCING M.O.S.T. 18
- M.O.S.T. 18 is an 18-term life insurance product with PDF or Premium Deposit Fund.
- M.O.S.T. stands for Multiple Option Super Term, and it’s a life insurance product that covers you for 18 years, thus the name M.O.S.T. 18.
- It’s a product by Manila Bankers Life Insurance Corporation, and launched in partnership with IMG to provide Filipino families with an affordable term life insurance with a Zero-risk savings and investment component.
- M.O.S.T. 18 allows a family to have MAXIMUM LIFE INSURANCE COVERAGE at a MINIMAL COST.
How Affordable is M.O.S.T. 18 (For Philippine based)?
For a 30-year old, the annual premium would only be P5,710 for a P1 million coverage.
Yes, that's right. You only have to pay P5,710 per year (not per month, not per quarter) and you’re already insured for P1 million.
It has an optional investment component called PDF.
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 P8,710 instead of P5,710 for a particular year, then the excess P3,000 will be invested to your PDF.
The following year, because you have P3,000 in your PDF, you can choose to just pay P2,710 to pay for the annual premium of your life insurance.
But let’s say that the market was good during the year, and the P3,000 in your PDF earned and became P3,710 in value. Then you’ll only need to pay P2,000 for next year’s annual premium.
List of Features and Benefits
Affordable
It’s a term life insurance, the most affordable type of life insurance.
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.
Premium Flexibility
Settle your contributions on a schedule that fits your lifestyle.
Withdrawal Advantage
Withdraw anytime without penalty.
Level Coverage Risk
Your savings is always added to your coverage (death benefit).
Emergency Fund Advantage
You already have savings in the first year.
Alternative Investment Flexibility
You are free to decide where to invest the difference.
Early Maturity
Maturity after 5/10/15/18 years.
Issue Age is 5 yo to 60 yo
Insure yourself and your whole family.
Address Various Financial Needs
The PDF can be used to fund your Retirement, Pension, Kid's Education, Travel, etc.
Convertible to Permanent Insurance
You have an option to a permanent policy.
Low Chance of Lapsation
Premiums may be settled from your PDF / investment earnings.
How Affordable is M.O.S.T. 18? See table below.
