Our basic policies protect you against life's uncertainties such as death, old age, and disability. We offer you riders that supplement your policy and give you additional benefits at minimal cost.

Health

• Hospitalization Rider (HR)
  In case of injury or sickness, a Hospitalization Rider in your policy will take care of you. We will replace a substantial portion of your income up to a maximum of P1 million during those hard times. And if your illness turns out to be a dread disease, your benefit will double.
  
  
• Hospitalization Plus Rider (HPR)
  Hospitalization Plus Rider is an enhancement of the Hospitalization Rider through an added feature in the form of a cash bonus. A cash bonus of P1,000 per unit will be given every 5 years from the rider's effectivity date provided there was no hospitalization claim within the last 5 years.
  
  
• Dread Disease Rider (New)
  The Dread Disease Rider (DDR) will pay the rider sum insured in case the Insured is diagnosed with any of the seven covered dread diseases and survive the disease for 30-days (deferment period) after the diagnosis or occurrence.
  
  

  Disability

  • Waiver of Premium Benefit Rider (WPD)
    Get relief from worrying about your premium payments when disability comes. The Waiver of Premium Benefit Rider will waive your policy premiums for the duration of your disability in case you become totally and permanently disabled due to an injury or accident.
    
    
  • Disability Cash Rider (DCR)
    Here's a great help during challenging times! When you get sick or had an accident and you can't go to work, the Disability Cash Rider will take care of you. DCR will protect you against the loss of income due to total and permanent disability caused by accident or sickness.
  
  

  Accident

  • Accidental Death Benefit (ADB)
    Free yourself from the worry of not leaving enough funds for your family in the future with ADB. This rider provides for an additional sum equivalent to the face amount of your basic policy in case of your untimely demise due to accident.
    
    
  • Special Accident Rider (SAR)
    Expand the benefits of your basic policy even more with the Special Accident Rider or SAR. Insure yourself not only from accidents but from disability as well with this rider.
    
    
  • Special Accident Rider with Disability Indemnity (SARDI)
    SARDI offers you additional coverage for accidental death and disability. This rider provides you with disability income and waiver of premiums based on a schedule of the extent of disability. With a SARDI attached to your policy, you will never have to be troubled about a thing when tough times come.
  
  

  Payor's Riders

  • Payor's Rider (PR)
    Worried about having to leave your child with his/her policy liabilities such as premium payments? You need not worry at all if you attach Payor's Rider of PR to your child's policy. PR will waive all the premiums due from your child's policy should something unexpected happen to you.
    
    
  • Waiver of Premium Benefit Rider Supplementary to Payor's Rider (WPD-PR)
    Enhance the benefits of your child's basic policy by attaching WPD-PR to his policy. Like the PR, this rider protects your child by waiving all his /her policy premium dues in case of the policy payor's disability.
    
    
  • Special Term Adjustable Rider (STAR)
    
    
  • Waiver of Premium Benefit Rider Supplementary to STAR(STAR-WPD)
    
  
  

  Term Riders

  • Special Term Adjustable Rider (STAR)
    STAR increases your insurance coverage up to four times at a very affordable rate. Renewable every five years and convertible within 15 years, you can attach STAR to any basic policy on permanent plans with at least P100,000.00 face amount.
    
    
  • Waiver of Premium Benefit Rider Supplementary to STAR (STAR-WPD)
    To avail of premium waiver on STAR in case of total and permanent disability, attach a STAR-WPD rider on your policy. STAR-WPD waives all your premiums due to your STAR Rider in case of total and permanent disability.