Here are some guidelines to provide clarification on the implementation of our Extended Grace Period in relation to the implementation of Bayanihan to Recover as One Act (RA 11494).


1. How will the Bayanihan to Recover as One Act impact you?

This law will grant you an extended grace period (EGP) of 60 days instead of the usual 31 days.

2. Is the EGP applicable to all?

The EGP is applicable to all inforce policies with premium dues date falling within September 11 to December 31, 2020.

3. Will you be billed while the EGP is implemented?

The EGP is a means to protect your policy from lapsation in case you are unable to pay your premiums on time. Billing will continue as scheduled but you have the discretion to delay your paymnet to utilize the extended grace period.

  • If you are on Automatic Debit Arrangement (ADA) or Auto-charge to Credit Card Arrangement (ACA), you may request to temporarily opt out this arrangement by calling our customer hotline at 8818 4357 or email [email protected]. Request has to be done at least 3 days before your due date.
  • Please note that the premium due that you missed will still be billed on your next billing cycle.
4. Policy loans are not within the scope of the Bayanihan Act 2 so it will continue to incur interest at the prevailing rate.