Lifestage	Financial Needs	Product Solution	Financial Tip
Single You have the “in” stuff in your hands! You talk big and dream big. Generally without financial obligations, you keep your to yourself or spend it on the latest items in fashion. This leaves the impression that you live for the “NOW” more than for the future.	-    Access to funds in the mid-term something that will compel you to save regularly today;must not be easily withdrawn once you see the letters S, A, L, E.  -    Active lifestyle protection                  you’ll need cash benefits should the unforeseen happen as a result of your active lifestyle	I-Sure Available in 5 or 10 pay programs, this plan  gives insurance protection and cash allowances starting on the 6th year and every two years thereafter, for life! I-Shield An accident insurance product that also provides benefits for hospitalization and surgery due to accident.	Review your expenditures and reduce or take out unnecessary spending. The main idea is to enjoy life even after you have retired, so make sure you have the healthy body and financial resources to do so. Remember that savings is not equal to income less expenses. Rather, you should pay yourself first by taking out your savings from your income and just spending what is left.
Married Congratulations! This is an exciting stage of your life. Expenses may increase to maintain your home, but the additional income from your spouse can augment your resources. You now plan to save as you prepare to build a family.	-    Income Protection. With your standard of living dependent on dual income, you and your partner will need something to replace a portion of the income that may be lost as a result of one’s demise.	I-Assure Also in 5- or 10-pay programs, this limited pay plan provides lifetime insurance coverage.	Among many financial vehicles, they say that life protection should be first in the list. Life protection provides temporary financial relief should income be lost due to the breadwinner’s demise. Review your insurance coverage periodically, as it often needs adjustment due to lifestyle change and inflation.
Parents The birth of a child is one of life’s greatest joys! You plan on raising your child well and giving him the best that life can offer. Your skills in money management will be truly put to the test.	-    Education School expenses in the country’s best schools can be prohibitive. It is wise to save for it as early as you can!       -    Health Care You need to build up your savings for the hospitalization and treatment of a family member’s illness	I-Excel A 5- or 10-pay college education insurance program that gives increasing education benefits starting on the school year after the 16th birthday of the child.   I-Valuemax -It is a 5-pay savings plan that gives hospitalization income, dread disease coverage and living cash benefits from the 8th to 15th year.	Filipinos still believe that a good quality of education is the best gift parents could give to their children.  But with tuition fee increasing at an average of 12% per annum, it is best to look for a dependable company which will ease the burden of shouldering the cost of education.  Health protection also becomes critical at this stage. With young dependents, consider setting aside a portion for health care savings so that needs of other family members are not sacrificed.
Empty Nesters Life begins at 40! For many people, this lifestage is a key turning point. Now that your children are out of the house and on their own, they are off your "payroll," and it’s time to refocus on yourself and your spouse.	-    Completion of Retirement Funding With a few income earning years,  it is best to complete your retirement fund                  -    Investment Because you want to fully enjoy life, you need an investment tool that will supplement your retirement funds.	I-Value - A 5-year to pay, 15- year to mature product which provides living cash benefits from the 8th  to the 15th year  which you can use for future expenses.            Wealth Builder - An investment linked product where a single premium can be invested in various fund types depending on one’s growth objective and time horizon.	This lifestage is the time to re-examine your budget and concentrate on your savings for retirement. Know your potential benefits from your employer and SSS or GSIS. Also consider ending your remaining debts and loans. Inject inflation and the onset of medical expenses when you project your retirement expenses.
Retired Retirement can be a major life change especially for those who have worked all their lives. Relax. Retirement should not be feared but enjoyed. It affords you time to travel, join altruistic ventures and be more involved in community work.	-    Wealth Management You don’t want a big part of your estate gone due to taxes. Consider saving for it now to avoid the erosion of your assets’ value. Make sure your heirs are provided with funds needed for transfer, real estate and all other taxes.	I-Assure Available in 5- or 10- pay programs, this limited pay plan provides lifetime insurance coverage whose benefits can be used by your beneficiaries to settle taxes related to estate.	Transfer of real estate properties incurs significant tax expense which depends on the current and fair market value of your asset. By getting a life insurance plan, you pass on your estate to your heirs as intact as possible because the benefits of the plan will take care of tax funding and estate creation.