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  • Dollar Protect Plus

    Life Protection

    Coverage Period

    Whole life

    Issue Age

    0 – 65 YEARS OLD

    You can buy this via

    BPI-PHILAM APPOINTED REPRESENTATIVE


    What is Dollar Protect Plus?

    Dollar Protect Plus is a regular-pay U.S. dollar- denominated savings and life insurance plan that allows you to invest in global funds while protecting you from unexpected setbacks.

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    Features & Benefits

    • Premium Bands
      Premium Bands

      Get more out of your investment with cost-efficient coverage for higher premium payments.

    • Long-term Cash Accumulation
      Long-term Cash Accumulation

      Get more for your dollar and build more for your future. Gain higher returns with access to global funds.

    • One-Time Bonus
      One-Time Bonus

      Enjoy a loyalty bonus at the end of the policy’s 15th year.

       

    • Attachable Riders
      Attachable Riders

      Get more protection by adding more benefits to your plan based on your needs.

    • Available Top-ups
      Available Top-ups

      Increase your account value and its benefits with additional premiums that can be added anytime.

    Why Choose Dollar Protect Plus?

    With Dollar Protect Plus, you can leverage on the continuous growth of the US dollar, invest in an untapped market with potentially higher returns and enjoy the benefits of life insurance in an affordable protection solution from BPI-Philam.



    THE FINE PRINT

    the terms and conditions at a glance

    The minimum premium required may increase depending on the occupational and medical ratings of the proposed Insured. Optional benefits will require separate premium.

    Dollar Protect Plus is designed to provide you and your family with security and peace of mind through a U.S. dollar-denominated protection. Your premiums are scheduled to be paid according to the premium payment option – either for 10 years or while your policy is active. Paying according to the policy’s premium term will allow you to achieve optimal benefits and match long-term financial goals.


    DETAILED TERMS AND CONDITIONS

    DETAILED TERMS AND CONDITIONS
    - COLLAPSE + EXPAND

    IMPORTANT NOTES

    This product is a U.S. dollar-denominated insurance plan which is unit-linked and allows clients to participate in the potentially high returns from the financial market, with the convenience of placing additional investments through top-ups on a regular or ad-hoc basis. It can be customized and changed over time depending on client’s changing need, with a comprehensive set of unit-linked riders available to provide additional protection benefits.

    You may choose a maximum of 3 funds among the 3 available funds -

    • BPI-Philam Global Bond Fund
    • BPI-Philam World Equity Fund
    • BPI-Philam U.S. Equity Fund

    These underlying investment funds are being managed by BPI Asset Management and Trust Corporation (BPI-ATMC).

    Purchasing a unit-linked life insurance product has its advantages and trade-offs. Investing in a unit- linked product, you must understand that the product may be subject to investment risks which include, but are not limited to interest rate risk, market/price risk, liquidity risk, credit/default risk, reinvestment risk, foreign exchange risk, and country risk which could affect the value of the policy. The Company is guided by Investment Policies and Guidelines in managing these risks; however, this does not guarantee investment returns nor protection against capital loss. To further understand the nature of the said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

    Dollar Protect Plus is a unit-linked insurance plan. This is not a deposit product. Earnings are not assured, and principal amount invested is exposed to risk of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase or invest in it.

    Actual terms and conditions of Dollar Protect Plus are found in the Policy. In case of conflict, the Policy terms shall prevail.

    THE FINANCIAL PRODUCTS OF BPI-PHILAM LIFE ASSURANCE CORPORATION ARE NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION (PDIC) AND ARE NOT GUARANTEED BY THE BANK OF THE PHILIPPINE ISLANDS (BPI) AND ITS SUBSIDIARIES.

    REMINDER ON PRE-EXISTING CONDITIONS AND FREE-LOOK PERIOD

    • Upon receiving the policy contract, you may refer to the document for full details on the critical illness/terminal illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI-Philam within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

      Upon receiving the policy contract, you may refer to the document for full details on the critical illness/terminal illness definitions, exclusions including the pre-existing conditions, and other limitations. If you decide that this plan is not suitable to your needs after reading the policy contract, simply return the document to BPI-Philam within fifteen (15) days from the date you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

    CONTACT BPI-PHILAM

    (632) 8 5285501

     

    1-800-188-89100 (Toll Free)

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

    CONTACT BPI-PHILAM

    (632)  5285501

     

    1-800-188-89100 (Toll Free)

     

    15th Floor BPI-Philam Life Makati
    Ayala Avenue, Makati City 1226

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    PHILAMLIFE.COM

     

    BPI.COM.PH

     

    AIA.COM

      

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