• Should a policy lapse, it may be reinstated if it is still within three (3) years from date of lapsation and before the policy's maturity date
• Application for reinstatement should be submitted personally by the policy owner in any of Insular Life Offices.
• Application for reinstatement will be subject to evaluation before approval by the Company. Additional medical examinations and/ or supporting documents may be required depending on the result of the initial evaluation.

It is important for the designated beneficiary to immediately notify the Company of the death of the insured through the submission of a Death Notice form, to any of its offices nationwide via over-the-counter, postal mail, e-mail, or fax.

The Company reserves the right to require additional documents based on the evaluation of the application form and earlier submitted documents.

The following are the requirements to be submitted together with the specific requirements under each policy servicing transaction:

• Policy transaction form completely accomplished and duly signed by:
  1.1.

  Policy owner
  1.2.

  Irrevocable beneficiary, if any
  1.3.

  Assignee, if policy is assigned
• Only if no documents on file, the following shall be required:
  2.1.

  One (1) valid photo- bearing government-issued ID with signature of the Policy Owner/Beneficiary Assignee, preferably TIN, SSS, GSIS.
  2.2.

  Accomplished Supplementary Form – Regulatory
  2.3.

  Accomplished Beneficiary Information form

  Validation of customer information of policy owner will be done by Customer Care Specialist as part of the authentication process. Any change in contact information should be captured in the Customer Information Update (CIU) in SUKI and printed for review/confirmation/signature of Policy owner.

• If request/transaction is submitted by Third Party/Representative:
  1.1.

  Accomplished Request to Release Check/Policy Documents to Representative/Agent form
  1.2.

  One (1) valid photo-bearing government-issued ID with signature of authorized representative
• If Policy Owner/Beneficiary/Assignee is Corporation/Entity:
  2.1.

  Latest General Information Sheet (GIS)
  2.2.

  Entity Information Form
  2.3.

  Notarized Board Resolution or latest Secretary's Certificate showing the authorized signatories who have been allowed by the Board to transact in behalf of the Corporation, and list of policies and policy transactions
  2.4.

  One (1) valid photo-bearing government-issued ID with signature of each of the authorized signatories and Corporate Secretary
• If Policy owner/Beneficiary is minor:
  3.1.

  The following order of preference shall be observed in the appointment of guardian for a minor, per Section 182 of the Revised Insurance Code:

  3.1.1.

  Guardian, duly appointed by the court

  3.1.2.

  Father

  3.1.3.

  Mother

  3.1.4.

  Any Grandparent

  3.1.5.

  Eldest brother or sister, at least eighteen (18) years of age

  3.1.6.

  Any relative who has actual custody of the minor
  3.2.

  The following documents must be submitted by the designated guardian

  3.2.1.

  If the policy benefit due to the minor owner is less than or equal to P500,000

  3.2.1.1.

  For Parent-Guardian:

  • Notarized Affidavit of Parental Authority
  • PSA/NSO copy of Birth Certificate of minor

  3.2.1.2.

  For Grandparent-guardian/Sibling-guardian:

  • Notarized Affidavit of Substitute Parental Authority
  • Proof of relationship of minor and guardian, such as: PSA/NSO copy of Birth Certificates of Sibling-guardian or PSA/NSO copy of Marriage Certificate/Birth Certificate of both parents to determine grandparent-relationship
  • Proof of death or incapacity of both parents of minor, in the case of Grandparents as guardian, such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity;
  • Proof of death or incapacity of both parents and all grandparents of minor, in the case of Sibling as guardian, such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity
  • Any documents to show that grandparent/sibling is the guardian of minor and minor is under the actual custody of the guardian, such as: School Records/Certification, Barangay Certification, Parish Certification, Doctor's Certification, Certificate from Homeowners Association or Affidavit of Two Disinterested persons and photocopies of ID of Affiants

  3.2.1.3.

  For For Relative-guardian:

  • Notarized Affidavit of Actual Custody
  • Proof of death or incapacity of parents of minor, all grandparent and all siblings (of legal age) such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity
  • Any documents to show that relative is the guardian of the minor, and minor is under the actual custody of the guardian, such as: School Records/Certification, Barangay Certification, Parish Certification, Doctor's Certification, Certification from Homeowners Association or Affidavit of Two Disinterested persons and photocopies of ID of Affiants

  3.2.2.

  If the policy benefit due to the minor owner is more than P500,000

  3.2.2.1.

  For Parent-Guardian:

  • Letters of Guardianship issued by court to include the following:
    a.1.

    Petition for approval of Guardian's bond
    a.2.

    Decision granting the Petition for Approval of Guardian's Bond
    a.3.

    Guardian's Bond duly filed in court with copies of Official Receipt
    a.4.

    Oath of Office of the Guardian

  3.2.2.2.

  For Guardian other than the parent:

  • Letters of Guardianship issued by court to include the following:
    a.1.

    Petition for Guardianship
    a.2.

    Decision granting the Petition Guardianship
    a.3.

    Certificate of Finality of the Decision granting the Petition for Guardianship
    a.4.

    Guardian's Bond duly filed in court with copies of the Official Receipt
• Signature Affirmation Form
• Customer Information Update Form
• Compliance Form
  6.1.

  Data Privacy Statement (DPS) Signed DPS form indicates that PH gives his consent to Insular Life to use his personal information in administering all his service transactions
  6.2.

  Foreign Account Tax Compliance Act (FATCA) To comply with Philippine Government's agreement with the United States of America (U.S.A.), all PH are required to accomplish the FATCA form to identify the U.S. persons or Indicia transacting with us
  6.3.

  Proxy Form In case of your absence during regular or special members' meeting of Insular Life, you may appoint a representative. For this purpose, you may sign a Proxy Form to appoint the Proxy Committee or a specific person as your representative
• One (1) valid photo-bearing government-issued ID with signature – each for the policy owner; and irrevocable beneficiary/ies and assignee, if applicable
• Special Power-of-Attorney If negotiated through a third party, and one (1) photo-bearing government-issued ID with signature of third party
• Corporation as policy owner /irrevocable beneficiary/beneficiary-claimant/assignee, the following are required:
  9.1.

  Notarized Board Resolution/Secretary's Certificate indicating list of policy transactions and policies which the authorized signatories have been allowed by the Board to transact with Insular Life in behalf of the Company;
  9.2.

  One (1) valid photo-bearing government-issued ID with signature of each of the Authorized signatories and corporate secretary;
  9.3.

  Signature Affirmation Form of authorized signatories and of the company's corporate secretary;
  9.4.

  Latest/currently dated SEC registration reflecting the appointment of the corporate secretary; and
  9.5.

  Certificate of indebtedness if the policy is assigned at time of claim for death benefit

Note: All documents issued or executed abroad should be translated in English and authenticated by the Philippine Consular Office located within the area where the documents originated or executed.

The Company reserves the right to require additional documents based on the evaluation of the application form and earlier submitted documents.