1.1.Duly Accomplished "Policy Loan Agreement" form (2 copies)
1.2.Basic Policy Servicing Requirements - click item number 34.
2.1.Duly Accomplished "Dividend Withdrawal" form
2.2.Basic Policy Servicing Requirements - click item number 34.
4.1.Policy Contract;
4.2.Duly Accomplished "Regular-Pay Wealth Series Application for Increase/Decrease in Sum Insured"
4.3.Basic Policy Servicing Requirements - click item number 34.
5.1.Policy Contract;
5.2.Duly Accomplished "Wealth Series Application for Rider Addition/Cancellation/Amendment"
5.3.Basic Policy Servicing Requirements - click item number 34.
6.1.Duly Accomplished "Wealth Series Application for Top-Up"
6.2.Basic Policy Servicing Requirements - click item number 34.
7.1.Duly Accomplished "Wealth Series Fund Switch and Premium Redirection"
7.2.Basic Policy Servicing Requirements - click item number 34.
8.1.Duly Accomplished "Wealth Series Fund Switch and Premium Redirection"
8.2.Basic Policy Servicing Requirements - click item number 34.
9.1.Duly Accomplished "Wealth Series Application for Fund Withdrawal"
9.2.Basic Policy Servicing Requirements - click item number 34.
10.1.Policy Contract;
10.2.Duly Accomplished "Wealth Series Application for Fund Withdrawal"
10.3.Basic Policy Servicing Requirements - click item number 34.
11.1.Letter of request to be signed by Policy owner; or
11.2.Duly Accomplished "Customer Information Update Form"
11.3.Email us through your i-EAGLE mailbox or through customercare@insular.com.ph or services@insular.com.ph
12.1.Duly Accomplished "Request for the Issuance of a Replacement of Lost/Damaged Insurance Policy"
12.2.Re-issue Fee currently at P700; and
12.3.Basic Policy Servicing Requirements - click item number 34.
13.1.Duly Accomplished "Application for Reinstatement or Policy Change form" including non-medical questionnaire at the back of the form;
13.2.Payment of all unpaid premiums plus overdue interest and old loan interest, (if any)
13.3.Basic Policy Servicing Requirements - click item number 34.
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.
14.1.Policy Contract
14.2.Duly Accomplished "Request for Policy Change" form
14.3.Proof of Relationship of Insured and beneficiary such as:
14.3.1.Birth Certificate of the child/children-beneficiary
14.3.2.Marriage Certificate of spouse-beneficiary; or
14.3.3.Other documents to establish relationship
14.4.Death Certificate of any deceased-irrevocable beneficiary; and
14.5.Basic Policy Servicing Requirements - click item number 34.
15.1.Policy Contract
15.2.Duly Accomplished "Request for Policy Change" form
15.3.Basic Policy Servicing Requirements - click item number 34.
15.4.Any of the following documents, as may be applicable:
15.4.1.On account of marriage
a.Marriage Certificate
15.4.2.On account of legal change
a.Court Decision on Annulment/ Separation
b.Court Decision stating new name
15.4.3.On account of misspelled/ erroneous name
a.Birth Certificate
b.Affidavit of two (2) disinterested persons attesting to the correct name
16.1.Policy Contract
16.2.Duly Accomplished "Request for Policy Change" form
16.3.Birth Certificate; and
16.4.Basic Policy Servicing Requirements - click item number 34.
17.1.Below are the dividend options which may be available:
17.1.1.Cash Dividend
a.Duly Accomplished "Request for Policy Change Form"
b.Basic Policy Servicing Requirements - click item number 34.
17.1.2.Used to Reduced Premium
a.Duly Accomplished "Request for Policy Change Form"
b.Basic Policy Servicing Requirements - click item number 34.
17.1.3.Left with the Company to earn interest
a.Duly Accomplished "Request for Policy Change Form"; and
b.Basic Policy Servicing Requirements - click item number 34.
17.1.4.Used to Buy Paid-Up Additional Insurance
a.Duly Accomplished "Application for Reinstatement or Policy Change Form"
b.Basic Policy Servicing Requirements - click item number 34; and
c.Full Medical Examination with Micro-urinalysis done by any Insular Life’s authorized medical examiner
18.1.1.Insurance Contract;
18.1.2.Duly accomplished and notarized "Request for Policy Change Form"
18.1.3.Duly accomplished and notarized "Deed of Relative Assignment Form"
18.1.4.Proof of indebtedness (e.g. promissory note); and
18.1.5.Basic Policy Servicing Requirements - click item number 34.
19.1.1.Insurance Contract;
19.1.2.Duly accomplished and notarized "Request for Policy Change Form"
19.1.3.Certification from assignee cancelling the assignment or Release of Assignment letter; and
19.1.4.Basic Policy Servicing Requirements - click item number 34.
20.1.1.Insurance Contract;
20.1.2.Duly accomplished and notarized "Request for Policy Change Form"
20.1.3.Duly accomplished and notarized "Life Insurance Trust Agreement form"
20.1.4.Basic Policy Servicing Requirements - click item number 34.
21.1.1.Insurance Contract;
21.1.2.Duly accomplished and notarized "Request for Policy Change Form"
21.1.3.Basic Policy Servicing Requirements - click item number 34.
22.1.1.Insurance Contract;
22.1.2.Duly accomplished and notarized "Request for Policy Change Form"
22.1.3.Duly accomplished and notarized "Deed of Assignment Transfer of Ownership"; and
22.1.4.Basic Policy Servicing Requirements - click item number 34.
23.1.1.Insurance Contract;
23.1.2.Duly accomplished and notarized "Request for Policy Change Form"
23.1.3.Certified true copy of Death Certificate issued by the NSO/PSA or by the LCR; and
23.1.4.Basic Policy Servicing Requirements - click item number 34.
24.1.1.Insurance Contract;
24.1.2.Duly accomplished and notarized "Request for Policy Change Form"
24.1.3.Basic Policy Servicing Requirements - click item number 34.
25.1.1.Insurance Contract;
25.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
25.1.3.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);
25.1.4.Premium deposit for current premium due date;
25.1.5.Payment of amendment fee; and
25.1.6.Basic Policy Servicing Requirements - click item number 34.
26.1.1.Insurance Contract;
26.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
26.1.3.Duly accomplished "Wealth Series Application for Rider Addition/Cancellation/Amendment form"
26.1.4.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);
26.1.5.Income Tax Return (Annual Income must be at least Php125,000) for the following riders:
Hospitalization Rider
Hospitalization Plus Rider
Dread Disease Rider
26.1.6. Premium deposit for current premium due date;
26.1.7.Payment of amendment fee; and
26.1.8.Basic Policy Servicing Requirements - click item number 34.
27.1.1.Insurance Contract;
27.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
27.1.3.Premium deposit for current premium due date;
27.1.4.Duly accomplished New Insurance Application to include the following:
Acknowledgement of Variability
Illustration of Benefits
Sales Illustration
Proposal
27.1.5.Basic Policy Servicing Requirements - click item number 34.
28.1.1.Insurance Contract;
28.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
28.1.3.Duly accomplished “Application for Removal of Extra Rating” form (for occupational extra only);
28.1.4.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);
28.1.5.Premium deposit for current premium due date; and
28.1.6.Basic Policy Servicing Requirements - click item number 34.
29.1.1.Insurance Contract;
29.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
29.1.3.Premium deposit for current premium due date;
29.1.4.Payment of Amendment Fee; and
29.1.5.Basic Policy Servicing Requirements - click item number 34.
30.1.1.Insurance Contract;
30.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
30.1.3.Premium deposit for current premium due date;
30.1.4.Payment of Amendment Fee; and
30.1.5.Basic Policy Servicing Requirements - click item number 34.
31.1.1.Insurance Contract;
31.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
31.1.3.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);
31.1.4.Premium deposit for current premium due date;
31.1.5.Duly accomplished New Insurance Application to include the following:
Acknowledgement of Variability
Illustration of Benefits
Sales Illustration
Proposal
31.1.6.Payment of Amendment Fee; and
31.1.7.Basic Policy Servicing Requirements - click item number 34.
32.1.1.Insurance Contract;
32.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"
32.1.3.Premium deposit for current premium due date;
32.1.4.Payment of Amendment Fee; and
32.1.5.Basic Policy Servicing Requirements - click item number 34.
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.
Documents marked with (*) can either be a certified true copy issued by the Local Civil Registrar, with signature and seal, or printed in security paper issued by the Philippine Statistics Authority (PSA), formerly known as the National Statistics Office (NSO). 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.
33.1.Death Certificate* of insured or any deceased beneficiary
33.1.1.The following are the Standard Claim Requirements to be submitted:
33.1.2.Birth Certificate* of insured or owner;
33.1.3.Claimant’s Statement Form (to be provided by Insular Life) – This has to be accomplished by each beneficiary who is eighteen years old or above, or by the Legal/Judicial guardian of minor beneficiaries (Please refer to the additional claim requirements below for minor beneficiaries);
33.1.4.One (1) valid government issued ID with picture and signature of each Beneficiary and Legal/Judicial guardian of minor beneficiary, if any; and
33.1.5.Policy contract/s
33.2.The following are the Additional Claim Requirements (as applicable):
33.2.1.For contestable claim - (death occurred within two (2) years from date of policy issue or last reinstatement): Notarized Attending Physician’s Statement Form (to be provided by Insular Life) – This has to be accomplished by every physician who has attended to the insured during or before last illness or has certified the death of the said insured.
a.For all plans including I-Shield for claim due to natural cause – Attending Physician’s Statement
b.For I-Shield plan for claim due to accidental cause – I-Shield Physician’s Statement Form III
c.For GIO-issued policies, APS is no longer required
33.2.2.For spouse-beneficiary:
a.Marriage Contract* of insured and spouse-beneficiary
33.2.3.For minor-beneficiary:
Share in the death proceeds is P500,000.00 and below:
a.Notarized Affidavit of Parental Authority Form be provided by Insular Life); and
b.NSO copy of Birth Certificate* of minor, as proof of parenthood
a.Notarized Affidavit of Substitute Parental Authority
b.Proof of relationship of minor and guardian, such as: Birth Certificates* of minor beneficiary & Sibling-guardian, or Marriage Certificate*/Birth Certificate* of Parents to determine grandparent-guardian;
c.Proof of death or incapacity of both parents of minor, in the case of Grandparents as guardian, such as: Death Certificate*, Court Order or similar documents to show incapacity;
d.Proof of death or incapacity of both parents and all grandparents of minor, in the case of Sibling as guardian, such as Death Certificate*, Court Order or similar documents to show incapacity; and
e.Any documents to show 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, Certification from Homeowners Association, or Affidavit of Two Disinterested persons and photocopies of ID of Affiants
a.Notarized Affidavit of Actual Custody Form (to be provided by Insular Life);
b.Proof of death or incapacity of parents of minor, such as: Death Certificate*, Court Order or similar documents to show incapacity*; and
c.Any of the following documents to show minor is in the actual custody of the relative-guardian: School Records/Certification, Barangay Certification, Certification from Homeowners Association, or Affidavit of Two Disinterested persons and photocopies of ID of Affiants
Share in the death proceeds is more than P500,000.00:
a.Petition for Approval of Guardian’s Bond;
b.Decision granting the Petition for Approval of Guardian’s Bond;
c.Guardian’s Bond duly filed in court with copies of Official Receipt;
d.Letters of Guardianship issued by the Court; and
e.Oath of Office of the Guardian
a.Petition for Guardianship;
b.Decision granting the Petition for Guardianship;
c.Certificate of Finality of the Decision granting the Petition for Guardianship;
d.Guardian’s Bond duly filed in court with copies of Official Receipt;
e.Letters of Guardianship issued by the Court; and
f.Oath of Office of the Guardian
If minor is represented by a Trustee under a Trust Agreement:
a.Trusteeship bond, together with Finality of Court Decision; and
b.One (1) valid government issued ID with picture and signature of trustee
a.SEC Registration, Articles of Incorporation, By-Laws;
b.Board Resolution and/or Secretary’s Certificate for the authorized officer of the company to receive the benefit in behalf of the Corporation; and
c.One (1) valid government issued ID or company ID, with picture and signature of the Corporate Secretary and the authorized officer of the company
33.2.4.For married daughter-beneficiary – who was still single during designation as beneficiary and is now using her married name, submit one (1) government-issued ID with picture and signature bearing her married name together with any of the following:
a.Marriage Contract*;
b.Birth Certificate*, and
c.One (1) government-issued ID with picture and signature bearing maiden name
33.2.5.For beneficiaries other than spouse, children, parents or siblings ,combination of any two of the following to establish relationship with insured:
a.Birth Certificate*;
b.Baptismal Certificate; and
c.Notarized Affidavit of Two Disinterested Persons stating relationship of beneficiary and insured, together with one (1) valid government issued ID with picture and signature of each affiant
33.2.6.For mentally incapacitated beneficiary:
a.Neurologic Evaluation Form from Attending Physician Form (to be provided by Insular Life); Note: Additional documents may be required based on Claims evaluation)
33.2.7.For beneficiary whose name indicated in the submitted ID does not match with the name written in the Insurance Application form:
a.Birth Certificate*/Baptismal Certificate; and
b.Notarized Affidavit of Two Disinterested Persons, supported by one (1) valid government-issued ID with picture and signature of each affiant
33.2.8.For authorized representative of a beneficiary:
a.Notarized Special Power of Attorney signed by the beneficiary (form to be provided by Insular Life); and
b.One (1) valid government issued ID with picture and signature of the authorized representative
33.3.The following are the Checklists of Claim Requirement for Special Conditions:
33.3.1.For violent/accidental death (e.g., accident, murder, homicide or suicide):
a.Certified True Copy of the Police/Barangay/NBI (and other agencies) Investigation Report;
b.Certified True Copy of the Autopsy Report;
c.Certified True Copy/ies of Sworn Statement of witnesses;
d.Certified True Copy of the Criminal Complaint or Information filed in court;
e.Certified True Copy of Hospital Records (Admitting History and Discharge Summary or its equivalent), if death happened in the hospital;
f.Newspaper Clippings;
g.Driver’s license of insured if accident occurred while insured was driving a vehicle
33.3.2.For assigned policy:
If policy is assigned to an individual:
a.Notarized Certificate of Indebtedness from Assignee, to validate existence and amount of Indebtedness with conformity of the beneficiaries; or Release Letter from Assignee if obligation has been fully settled; and
b.One (1) valid government issued ID with picture and signature of Assignee
If policy is assigned to a Corporation:
a.Certificate of Indebtedness or Statement of Account (to validate existence and amount of indebtedness), or Release Letter from Assignee, if obligation has been fully settled;
b.SEC Registration, Articles of Incorporation, By-laws, to establish the identity of the corporation;
c.Notarized Board Resolution and Secretary’s Certificate: to authorize an officer to receive benefits and sign in behalf of the corporation; and
d.One (1) valid government issued ID with picture and signature of Corporate Secretary and authorized Officer
For Corporate beneficiary under Keyman Insurance:
a.SEC Registration, Articles of Incorporation, By-Laws to establish the existence, identity and purpose of the corporation;
b.Board Resolution and Secretary’s Certificate to authorize an officer of the Company to receive benefits and sign in behalf of the Corporation; and
c.One (1) valid government issued ID with picture and signature of Corporate Secretary and authorized Officer
33.3.3.For death occurring outside the country – 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. These documents include all basic documents listed under standard and other requirements including the following, as may be applicable:
a.Embalmer’s or Coroner’s Certificate;
b.Certificate of Cremation;
c.Burial Permit, if remains was transported and buried in the Philippines;
d.Airway Bill;
e.Bureau of Quarantine Certificate;
f.Marine Protest Report;
g.Ship’s passenger manifest;
h.Pictures;
i.Obituary;
j.Affidavit from two (2) disinterested parties providing information on the death of insured; and
k.Other documents as applicable
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:
1.Policy transaction form completely accomplished and duly signed by:
1.1.Policy owner with consent of irrevocable beneficiary, if any
1.2. Assignee, if policy is assigned
1.3.Designated guardian, if policy owner is a minor
The following order of preference shall be observed in the appointment of guardian for a minor, per Section 182 of the Revised Insurance Code:
1.3.1.Guardian, duly appointed by the court
1.3.2.Father
1.3.3.Mother
1.3.4.Any Grandparent
1.3.5.Eldest brother or sister, at least eighteen (18) years of age
1.3.6.Any relative who has actual custody of the minor
If the policy benefit due to the minor owner is less than or equal to P500,000,the following additional documents must be submitted by the designated guardian:
a.Notarized Affidavit of Parental Authority (form to be provided by Insular Life); and
b.NSO copy of Birth Certificate * of minor, as proof of parenthood
a.Notarized Affidavit of Substitute Parental Authority;
b.Proof of relationship of minor and guardian, such as: Birth Certificates*of minor beneficiary & Sibling-guardian, or Marriage Certificate*/ Birth Certificate* of Parents to determine grandparent-guardian;
c.Proof of death or incapacity of both parents of minor, in the case of Grandparents as guardian, such as: Death Certificate*, Court Order or similar documents to show incapacity;
d.Proof of death or incapacity of both parents and all grandparents of minor, in the case of Sibling as guardian, such as: Death Certificate*, Court Order or similar documents to show incapacity; and
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
a.Notarized Affidavit of Actual Custody (form to be provided by Insular Life);
b.Proof of death or incapacity of parents of minor, such as: Death Certificate*, Court Order or similar documents to show incapacity; and
c.Any of the following documents to show minor is in the actual custody of the relative-guardian, such as: School Records/Certification, Barangay Certification, Certification from Homeowners Association or Affidavit of Two Disinterested persons and photocopies of ID of Affiants
If the policy benefit due to the minor owner is more than P500,000,the following additional documents must be submitted by the designated guardian:
a.Petition for approval of Guardian’s Bond;
b.Decision granting the Petition for Approval of Guardian’s Bond;
c.Guardian’s Bond duly filed in court with copies of Official Receipt;
d.Letters of Guardianship issued by the Court; and
e.Oath of Office of the Guardian
a.Petition for Guardianship;
b.Decision granting the Petition for Guardianship;
c.Certificate of Finality of the Decision granting the Petition for Guardianship;
d.Guardian’s Bond duly filed in court with copies of the Official Receipt;
e.Letters of Guardianship issued by the Court; and
f.Oath of Office of Guardian
Documents marked with (*) can either be a certified true copy issued by the Local Civil Registrar, with signature and seal, or printed in security paper issued by the Philippine Statistics Authority (PSA), formerly known as the National Statistics Office (NSO).
3.Customer Information Update form
4.Beneficiary Information form
5.Compliance Form
5.1.Data Privacy Statement. Signed DPS form indicates that PH gives his consent to Insular Life to use his personal information in administering all his service transactions
5.2.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
5.3.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
6.One (1) valid photo-bearing government-issued ID with signature – each for the policy owner; and irrevocable beneficiary/ies and assignee, if applicable
7.Special Power-of-Attorney, if negotiated through a third party, and one (1) photo-bearing government-issued ID with signature of third party
8.Corporation as policy owner /irrevocable beneficiary/beneficiary-claimant/assignee, the following are required:
8.1.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;
8.2.One (1) valid photo-bearing government-issued ID with signature of each of the Authorized signatories and corporate secretary;
8.3.Signature Affirmation Form of authorized signatories and of the company’s corporate secretary;
8.4.Latest/currently dated SEC registration reflecting the appointment of the corporate secretary; and
8.5.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.