Intensify!

Intensify! is an endowment at age 85 participating plan with dynamic guaranteed cash payout and insurance schedules.

Intensify! brings you to a higher level of financial security with its combined protection and savings benefits that provides guaranteed cash payouts and dynamic insurance protection amounts at specific periods throughout the duration of the policy plus a lump sum maturity benefit when you reach 85 years old. Intensify! is not your run-on-the-mill endowment plan as it offers unique features.

Dynamic Plan Offerings

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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

Choose the payment scheme that is right to your budget: quarterly, semi-annual or annual.

Guaranteed Cash Payouts

Intensify! makes you enjoy the benefits while you are alive with its guaranteed and increasing cash payouts starting at the end of the 10th year of your policy.

At the end of the 10th year, receive 10% of face amount.
Subsequent guaranteed cash payouts increase by 1% of face amount every 3 years up to the end of the 25th policy year (11% on Yr 13, 12% on Yr 16, 13% on Yr 19, 14% on Yr 22 and 15% on Yr 25)
Level guaranteed cash payouts of 15% of the face amount paid at the end of every year, from the 26th to the 30th policy years.

And there’s more:

a maturity benefit of 110% of the face amount at age 85 for a total payout of 260% of the face amount.

Vigorous Protection

Intensify! provides a more appropriate protection benefit schedule, since the death benefit increases in the first 5 years then decreases whenever you make a cash payout. The insurance coverage is until 85 years old, whichever is shorter.

Starting at 100% of the face amount on the first year, the 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 maturity date.

Builds Guaranteed Cash Values

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
Living benefit 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