PLAN FEATURES

  • An anti-inflationary plan that guarantees a Memorial Service Package chosen by you during your lifetime.
  • GUARANTEED MEMORIAL SERVICE!
  • GET YOUR MONEY BACK (FOR MONEY BACK PLANS)
    • The contract price will be returned to you in the amount equivalent to 20% of the contract price payable each year beginning at the end of the 16th year until the end of the 20th while you are living. 
  • VERY LOW INSTALLMENTS!
    • Very affordable installment rates in monthly, quarterly, semi-annual and annual modes of payment.
  • TRANSFERABILITY
    • You may transfer the plan to another living person. 
  • ASSIGNABILITY
    • You may assign the plan to any deceased person, provided that the balance, if any, is paid before the service is rendered. However, any insurance coverage provided to the transferor shall automatically terminate.
  • UNRENDERED SERVICES
    • Your beneficiary may receive cash value according to a schedule if memorial service is not performed or your heirs, successors or assigns may opt to retain the plan for the memorial services only.
  • VIEWING PERIOD
    • Four (4) day viewing in our accredited mortuary chapels (if viewing rooms are available and not occupied) or in your home. Three (3) days for cremation.

 VALUE ADDED BENEFITS

For insurable persons, additional benefit is subject to approval of insurance claim.

1. CASH BENEFIT

The planholder's beneficiaries shall receive 100% of the Contract Price if the planholder, who is within the insurable ages of 18 to 60 years at the time of purchase of the plan, dies during the paying period or within five years (5) after the full payment of the plan and the planholder has not reached the age of 65 upon death.


2. UNPAID BALANCE DEEMED PAID    

The unpaid balance is considered paid if the planholder, who is within the insurable ages of 18 to 60 years at the time of purchase of the plan, passes away anytime within the paying period and if the planholder has not reached the age of 65 upon death.


3. WAIVER OF INSTALLMENT

The planholder, who is within the insurable ages of 18 to 60 years at the time of purchase of the plan, is exempted from paying the installment balance in the event of an uninterrupted disability of at least six (6) months during the paying period and if the planholder has not reached the age of 60 upon disability.

4. ACCIDENTAL DEATH AND DISMEMBERMENT

The planholder's beneficiaries shall receive a cash benefit equivalent to the Contract Price for accidental loss of life, loss of both hands, both feet, sight of both eyes or a combination thereof, if the planholder, who is within the insurable ages of 18-55 years old at the time of purchase of the plan, dies due to accident during the paying period and the planholder has not reached the age of 60 upon death.