Grow Your Money and Take Care of Your Health by Obtaining a One-Time Pay Investment With Insurance Plan in the Philippines

Optimal Power is a policy that allows you to maximize your wealth while taking care of your health. This is a one-time pay investment plan with insurance that offers the following benefits:

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Minimum Premium




Ages 0 - 70

Php 100,000

USD 2,000

With Optimal Power, you can live life to the fullest without worrying too much about your health. This one-time pay investment comes with an additional bonus, which provides you with guaranteed insurance coverage. To fully protect you, your insurance coverage is equivalent to at least 125% of your premium.
Optimal Power helps you maximize your wealth by providing you with various investment options. This plan allows you to gain access to a variety of investment opportunities in a wide selection of expertly managed funds. You can also invest more money in your policy anytime you want.
This one-time pay investment plan with insurance is available in Peso and US Dollar denominations. No matter the currency in which you earn your money, you can get Optimal Power and still have the opportunities to invest and obtain comprehensive insurance coverage.
Optimal Power is a one-time pay investment with insurance plan in the Philippines that allows you to select the level of protection that you need from the following options:

The amount of insurance coverage is fixed, equal to your Total Sum Assured, until such time that your Total Fund Value exceeds this amount. Your desired level of protection is achieved while enjoying a higher potential for the accumulation of funds.

  • Skip medical exams! Guaranteed Acceptance available for plans starting at Php 250,000 for Optimum Gold* or USD 5,000 for Optimum Green*, subject to certain conditions and limits.**

The insurance protection is equal to the sum of your Total Sum Assured and your Total Fund Value. You get to enjoy a higher level of protection over time because your level of protection increases as your Total Fund Value increase.

You decide how your money grows as Optimal Power gives you the power to choose from a variety of fund options. These funds are managed by world-class investment managers that combine their experience with the best investment strategies and advanced risk management approach available.

Our financial advisors and agents can also guide you in determining your risk profile and recommend an optimal mix of funds that suits your goals, risk tolerance, return expectations, and liquidity needs.

Get more information about these funds.

You can further enhance your level of protection with an Accidental Death and Dismemberment rider, which insures you in case of accidental death or dismemberment. The cost of this rider is automatically deducted from your Optimal Power policy every month should you decide to add this.
Fund valuations are done daily and are made available on our website. You can monitor the performance of your chosen funds on how the Net Asset Value per Unit (NAVPU) moves.
If you are not completely satisfied with the policy that you purchased, you may return it within 15 days together with a signed written notice requesting cancellation to get the Total Fund Value plus all policy charges. After this period, you may surrender this policy and receive the Total Fund Value.

Optimal Power is a unit-linked insurance product. The term "investment plan" is generally used on this page for marketing purposes only. Also, this is not a deposit product. Earnings are not assured, and principal amount invested is exposed to risks of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase nor invest in it.
* Optimum Gold and Green are variants of Optimal Power with Guaranteed Acceptance Endorsement.
**These are the maximum single pay limit and conditions on the limited cover in the first two years, which will be discussed at the point of sale.