Intensify! is a savings and insurance plan with cash payouts that allows you to financially secure your future. This policy also provides you with dynamic insurance protection amounts at specific periods throughout the duration of your plan.
Intensify!
Secure Your Future Through an Insurance Plan With Cash Payouts
Dynamic Cash Returns
With Intensify!, you will receive guaranteed cash payouts from the end of the 10th year of your policy up to the end of your 30th policy year. You will also obtain a maturity benefit equivalent to 110% of your policy’s face amount once you reach 85 years old.
Enhanced Insurance Coverage
Enjoy superior insurance coverage when you get our insurance plan with guaranteed cash payouts. Intensify! provides you with dynamic insurance benefits, which start at 100% of your policy’s face amount for the first 5 years. Your death benefit then increases up to 220% of your policy amount up to your 10th policy year.
Dynamic Plan Offerings
Choose the payment scheme that fits your financial capabilities: quarterly, semi-annual, or annual.
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| Plan Types | Minimum Face Amount | Issue Age |
| 4-Pay | Php 150,000 | 7 days old to age 54 |
| 6-Pay | Php 150,000 | |
| 8-Pay | Php 200,000 | |
| 10-Pay | Php 200,000 |
Guaranteed Cash Payouts
Intensify! allows you to enjoy the benefits of your policy while you are alive. This is possible with the plan’s guaranteed and increasing cash payouts starting at the end of your 10th policy year.
- At the end of the 10th year of your policy, you can receive 10% of your plan’s face amount.
- Your subsequent guaranteed cash payouts increase by 1% of your plan’s face amount every 3 years up to the end of your 25th policy year (11% on year 13, 12% on year 16, 13% on year 19, 14% on year 22 and 15% on year 25).
- Your guaranteed cash payouts will level at 15% of the face amount paid at the end of every year, from the 26th to the 30th policy year.
And there’s more:
- Receive a maturity benefit of 110% of your plan’s face amount at age 85 for a total payout of 260% of the face amount.
Vigorous Protection
Aside from being an insurance plan with cash payouts, Intensify! provides you with an appropriate protection benefit schedule. The death benefit of your policy increases in the first 5 years but decreases whenever you make a cash payout.
- Starting at 100% of the face amount on the first year, your plan’s death benefit increases by 30% annually for the first 5 years, up to 220%, and stays at 220% up to the 10th year
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| If death occurs on: | Death Benefit |
| Policy Year 1 | 100% of Policy Amount |
| Policy Year 2 | 130% of Policy Amount |
| Policy Year 3 | 160% of Policy Amount |
| Policy Year 4 | 190% of Policy Amount |
| Policy Years 5-10 | 220% of Policy Amount |
- When cash payouts start to come in, the death benefit decreases by 10% up to the 30th year of the policy leveling off at 110% until the maturity date.
Builds Guaranteed Cash Values
Intensify! generates cash values throughout the life of the policy which offers the opportunity to access cash accumulations within the policy either through policy loans or surrender of the policy.
More Earnings Thru Dividends
A sizeable amount of non-guaranteed dividends can come your way that can accumulate to more than 100% of face amount to help you get more out of your investment.
Increase the intensity thru these riders:
- Accidental Death Benefit
- Accidental Death and Dismemberment
- Special Accident Rider
- Waiver of premium
- Payor’s Benefit Rider (for minor insured up to age 20)
- Flexi-fund rider
Sample Illustration for 4-pay Intensify!
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| Total Annualized Premium: | Php 1.488 Million |
| Total Anticipated Endowments: | Php 1.500 Million |
| Maturity Benefit: | Php 1.100 Million |
| Anticipated Endowments + Maturity Benefit = Php 2.600 Million | |
| Percentage of cash payouts over premiums: 74.73% | |
| PLUS: Accumulated Dividends of Php 1,787,299* | |
You can also enjoy the same guaranteed benefits under the following alternative payment options:
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| 6-Pay: | Php 253,000 annual |
| 8-Pay: | Php 101,850 semi-annual |
| 10-Pay: | Php 43,450 quarterly |
Sample Illustration for 10-pay Intensify!
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| Total Annualized Premium: | Php 732,375 |
| Total Anticipated Endowments: | Php 750,000 |
| Maturity Benefit: | Php 550,000 |
| Anticipated Endowments + Maturity Benefit = Php 1.300 Million | |
| Percentage of cash payouts over premiums: 77.50% | |
| PLUS: Accumulated Dividends of Php 1,627,829* | |
You can also enjoy the same guaranteed benefits under the following alternative payment options:
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| 4-Pay: | Php 163,750.00 annual |
| 6-Pay: | Php 58,668.75 semi-annual |
| 8-Pay: | Php 23,512.50 quarterly |
* Non-guaranteed, accumulated at 5% p.a. and no withdrawals were made
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