Additional Benefits

Add more benefits to your plan to protect you from more unexpected events

Disability Benefits

Disability hampers the ability to earn an income, affecting their capability to pay for insurance premiums. Choose from two disability riders available:
Waiver of Premium Benefit

Frees the insured from the obligation of paying for the premiums of the policy and the attached riders in case of total and permanent disability due to sickness or injury.

Available for the following products:

Disability Cash Rider

Waives future premiums and provides a monthly disability income that can be used to supplement daily expenses that may be incurred in case the insured is totally and permanently disabled due to sickness or accident.

Accident Benefits

No matter how careful we are, accidents can hit anyone. Protect yourself from the debilitating impact of accidents by attaching accident riders to your insurance policy:
Special Accident Rider

Pays additional benefit covering not only death but also certain specified injuries which the insured may suffer as a result of an accident. Broken bones, impairment, loss of use, etc are some of the types of injuries someone may sustain from an accident.

Available for the following products:

Health Benefits

Health is wealth. Truly, when someone's health deteriorates, the expenses that come with the treatment, management or even the provision of temporary relief could be financially burdensome.
Dread Disease Rider

Provides a lump sum amount when the insured is diagnosed with any of the covered dread diseases. This frees the insured from worrying about the medical and treatment costs associated with his condition, thereby allowing him to focus on his recovery.

Available for the following products:

Hospitalization Rider

Provides daily hospitalization allowance if the insured is hospitalized as a result of injury or sickness. The amount can be used to partially pay for room and board upon confinement.

Available for the following products:

Hospitalization Plus Rider

An enhancement of the Hospitalization Rider through a cash bonus to be given every five (5) years provided there was no hospitalization claim for the prior five-year period. This benefit is meant to reward the policyholder for keeping himself in tip-top shape. The funds can be used for regular check-ups or for health-related expenses meant to ensure continued good health.

Available for the following products:

Daily Hospitalization Allowance Rider

Cash benefit up to a maximum of P5,000 per day for illness and injuries.

Hospitalization and Surgical Benefit Rider

Cash benefit up to a maximum of P5,000 per day for illness and injuries for a maximum of 150 days per policy year until age 70.

Payor's Benefits

These riders are suited for policy owners who bought policies with minors as insureds. An insurance policy to fund a child's education is a popular sample. These riders free the policy owner from having to pay insurance premiums when accidents or health-related impairments occur.
Payor's Rider

Frees the policy owner from the obligation of paying all future premiums of the policy if he dies within the paying period. Benefits of the policy are kept intact and will be provided to the insured as scheduled.

Available for the following products:

Waiver of Premium Supplementary to Payor's Rider (PR-WPD)

Frees the policy owner from the obligation of paying all future premiums not only upon death, but even upon being totally and permanently disabled. This rider waives all premiums due during the continuance of the disability or until the expiration of the term of the Payor\'s Rider whichever is earlier.

Available for the following products:

Term Benefits

When your coverage needs are temporary or when you have decided to get a term insurance instead of a whole life insurance policy, you can boost your benefits with any of the riders below:
Special Term Adjustable Rider

Adds an amount to the policy's death benefit at a fraction of the cost. This rider is ideal if you need to temporarily boost your coverage due to foreseen added risks such as an overseas post or a temporary work assignment exposing you to added risk. It can also serve the purpose of increasing your insurance coverage while you still don't have the budget to purchase a whole life policy with a higher benefit.

Available for the following products:

Waiver of Premium Supplementary to Special Term Adjustable Rider (STAR-WPD)

Frees the owner from the obligation of paying for all future premiums due to total and permanent disability arising from bodily injury or illnesses.

Available for the following products:

Available for the following products:

She Cares Benefits

Benefits up to P2.5 million to secure your health and empower you in your goals as a Filipina.
Breast Cancer Rider

Lump sum cash subject payable on the 31st day from diagnosis or occurrence of breast cancer.

Available for the following products:

Female-specific Cancers Rider

Lump sum cash subject payable on the 31st day from diagnosis or occurrence of either breast cancer, ovarian cancer uterine cancer or cervical cancer.

Available for the following products:

All Cancers Rider

Lump sum cash subject payable on the 31st day from diagnosis or occurrence of any covered cancer.

Available for the following products:

Cancer, Heart Attack, Stroke Rider

Lump sum cash subject payable on the 31st day from diagnosis or occurrence of either cancer, heart attack or stroke.

Available for the following products:

Future Incidence Diabetes Endorsement

Additional 10% of the benefit of the cancer, heart attack or stroke rider, if you are diagnosed with the occurrence of insulin treatment for Type 2 diabetes mellitus, subject to a maximum of 1M.

Available for the following products:

Diabetes Specific Critical Illness Rider

Lump sum cash subject payable on the 31st day from diagnosis or occurrence of coronary artery bypass, heart attack, stroke, irreversible blindness, kidney failure/end-stage renal disease, medically required amputation of a limb, at or above the wrist or ankle joint, arising as complications to diabetes.

Available for the following products:

INSULAR LIFE uses third-party services to monitor and analyze web traffic data for us. These services use temporary cookies during user sessions which are automatically deleted after session termination. Data generated is not shared with any other party. For more info, please see our Privacy Policy