Policy Servicing Requirements

All submitted documents shall be verified and evaluated by our office personnel. Documents coming from abroad  should be translated in English and notarized/ authenticated by the Philippine Consular Office.

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

11. Change Of Address

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

13. Reinstatement

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 for Over-the-Counter Transactions – click item number 37.


Note

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. Change Of Beneficiary

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 for Over-the-Counter Transactions – click item number 37.


Note: Marriage Certificate or Birth Certificate 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).
15. Change Of Name And Civil Status

15.1.Policy Contract

15.2.Duly Accomplished "Request for Policy Change" form

15.3.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

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


Note: Marriage Certificate or Birth Certificate 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).
16. Correction Of Birthdate

16.1.Policy Contract

16.2.Duly Accomplished "Request for Policy Change" form

16.3.Birth Certificate; and

16.4.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.


Note: Birth Certificate 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).
17. Change In Dividend Option

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 for Over-the-Counter Transactions – click item number 37.

17.1.2.Used to Reduced Premium

a.Duly Accomplished "Request for Policy Change Form"

b.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

17.1.3.Left with the Company to earn interest

a.Duly Accomplished "Request for Policy Change Form"; and

b.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

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 37; and

c.Full Medical Examination with Micro-urinalysis done by any Insular Life’s authorized medical examiner

19. Cancellation Of Policy Assignment

19.1.1.Insurance Contract;

19.1.2.Duly accomplished "​Instruction for Cancellation of Assignment​" form;

19.1.3.Certification of full payment of loan issued by the Assignee; and

19.1.4.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

22. Transfer Of Ownership To Insured (During The Lifetime Of Insured/Owner)

22.1.1.Insurance Contract;

22.1.2.Duly accomplished "Instruction for Transfer of Ownership" form;

22.1.3.Proof of relationship between Insured and new Policy Owner;

22.1.4.Justification letter of insurable interest, if relationship is other than parent or spouse; and

22.1.5.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

23. Transfer Of Ownership To Insured (On Account Of Death Of The Original Owner)

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 for Over-the-Counter Transactions – click item number 37.

24. Appointment of Contingent Owner

24.1.1.Insurance Contract;

24.1.2.Duly accomplished "Request for Policy Change Form"

24.1.3.Duly accomplished "Customer Information Update Form" of the Contingent Owner

24.1.4.Proof of Relationship between Insured, Policy Owner and Contingent Owner;

24.1.5.Justification letter of insurable interest, if relationship is other than parent or spouse; and

24.1.6.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

26. Transfer of Ownership to Contingent Owner (On account of death of the original Owner)

26.1.1.Death Certificate of the original Policy Owner;

26.1.2.Duly accomplished "Notice of Death of Policy Owner with Contingent Owner" form;

26.1.3.Proof of Relationship between Insured, Policy Owner and Contingent Owner; and

26.1.4.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

28. Increase In Sum Insured For Non-Variable Unit Link Policies (Change Can Be Applied For Within Six (6) Months From The Date Of Policy Issuance)

28.1.1.Insurance Contract;

28.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"

28.1.3.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);

28.1.4.Premium deposit for current premium due date;

28.1.5.Payment of amendment fee; and

28.1.6.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

29. Addition Of Riders For Non-Variable Unit Link Policies – Whole Life Premium-Paying Policies Only (Change That Can Be Effected On The Policy’S Anniversary Date)

29.1.1.Insurance Contract;

29.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"

29.1.3.Duly accomplished "Wealth Series Application for Rider Addition/Cancellation/Amendment form"

29.1.4.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);

29.1.5.Income Tax Return (Annual Income must be at least Php128,000) for the following riders:

Hospitalization Rider

Hospitalization Plus Rider

Dread Disease Rider

29.1.6. Premium deposit for current premium due date;

29.1.7.Payment of amendment fee; and

29.1.8.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

30. Conversion Of A Term Plan Or A Special Term Adjustable Rider (Star) To A Permanent Plan

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.Duly accomplished New Insurance Application to include the following:

Acknowledgement of Variability

Illustration of Benefits

Sales Illustration

Proposal

30.1.5.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

31. Removal/Reduction Of Extra Rating (Occupational/Medical) For Non-Variable Unit Link Policies

31.1.1.Insurance Contract;

31.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"

31.1.3.Duly accomplished “Application for Removal of Extra Rating” form (for occupational extra only);

31.1.4.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);

31.1.5.Premium deposit for current premium due date; and

31.1.6.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

32. Cancellation Of Riders For Non-Variable Unit Link Policies

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 for Over-the-Counter Transactions – click item number 37.

33. Reduction Of Coverage Under Star

33.1.1.Insurance Contract;

33.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"

33.1.3.Premium deposit for current premium due date;

33.1.4.Payment of Amendment Fee; and

33.1.5.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.

34. Change Of Plan (For As Long As The Policy Has Not Earned Any Dividends Or Cash Value)

34.1.1.Insurance Contract;

34.1.2.Duly accomplished "Application for Reinstatement or Policy Change form"

34.1.3.Compliance with underwriting requirements (e.g. Full Medical Examination, Microscopic Urinalysis Financial Statement, etc.);

34.1.4.Premium deposit for current premium due date;

34.1.5.Duly accomplished New Insurance Application to include the following:

Acknowledgement of Variability

Illustration of Benefits

Sales Illustration

Proposal

34.1.6.Payment of Amendment Fee; and

34.1.7.Basic Policy Servicing Requirements for Over-the-Counter Transactions – click item number 37.


Note: Your servicing agent will provide the related forms for the new insurance policy.
36. Death Claim

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.

Note:

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.

36.1.Death Certificate* of insured or any deceased beneficiary

36.1.1.The following are the Standard Claim Requirements to be submitted:

36.1.2.Birth Certificate* of insured or owner;

36.1.3.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);

36.1.4.One (1) valid government issued ID with picture and signature of each Beneficiary and Legal/Judicial guardian of minor beneficiary, if any; and

36.1.5.Policy contract/s

36.2.The following are the Additional Claim Requirements (as applicable):

36.2.1.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

36.2.2.For spouse-beneficiary:

a.Marriage Contract* of insured and spouse-beneficiary

36.2.3.For minor-beneficiary:

Share in the death proceeds is P500,000.00 and below:

  • For Parent-guardian:

    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

  • For Grandparent-guardian/Sibling-guardian:

    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

  • For Relative-guardian:

    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:

  • For Parent-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

  • For Guardian other than the parent:

    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:

  • For Individual Trustee:

    a.Trusteeship bond, together with Finality of Court Decision; and

    b.One (1) valid government issued ID with picture and signature of trustee

  • For Corporate 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

36.2.4.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

36.2.5.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

36.2.6.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)

36.2.7.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

36.2.8.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

36.3.The following are the Checklists of Claim Requirement for Special Conditions:

36.3.1.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

36.3.2.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

36.3.3.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.

37. Basic Policy Servicing Requirements for Over-the-Counter Transactions

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

1.2. Irrevocable beneficiary, if any

1.3.Assignee, if policy is assigned

2.Only if no documents on file, the following shall be required:

2.1.One (1) valid photo-bearing government-issued ID with signature of each of the policy owner and irrevocable beneficiary/ies and assignee if applicable

2.2.Accomplished Data Privacy Statement (DPS) & Foreign Account Tax Compliance Act (FATCA) form

2.3.Accomplished Proxy form

2.4.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.


Additional Requirements for Non-Standard transactions:

1.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

2.If Policy Owner/Beneficiary/Assignee is Corporation/Entity:

2.1.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

2.2.Latest/currently dated SEC registration reflecting the appointment of the Corporate Secretary

2.3.One (1) valid photo-bearing government-issued ID with signature of each of the authorized signatories and Corporate Secretary

3.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:

a.Notarized Affidavit of Parental Authority

b.PSA/NSO copy of Birth Certificate of minor

3.2.1.2.For Grandparent-guardian/Sibling-guardian:

a.Notarized Affidavit of Substitute Parental Authority

b.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

c.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;

d.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

e.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 Grandparent-guardian/Sibling-guardian:

a.Notarized Affidavit of Actual Custody

b.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

c.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:

a.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:

a.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

4.Signature Affirmation Form

5.Customer Information Update Form

6.Beneficiary Information Form

7.Compliance Form

7.1.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

7.2.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

7.3.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

8.One (1) valid photo-bearing government-issued ID with signature – each for the policy owner; and irrevocable beneficiary/ies and assignee, if applicable

9.Special Power-of-Attorney If negotiated through a third party, and one (1) photo-bearing government-issued ID with signature of third party

10.Corporation as policy owner /irrevocable beneficiary/beneficiary-claimant/assignee, the following are required:

10.1.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;

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

10.3.Signature Affirmation Form of authorized signatories and of the company’s corporate secretary;

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

10.5.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.

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