Protect | Save | Invest

Protect your family from sudden, unexpected expenses brought about by critical illness or death while saving for retirement or a college fund at the same time.

VUL insurance in the Philippines has become a go-to product for those seeking a combined approach to life protection and investment. Its appeal lies in the potential for market-driven gains and the convenience of having both coverage and investment under one policy. Still, it’s essential to understand the associated fees, market risks, and long-term commitment required. A clear financial plan, a good grasp of your risk tolerance, and guidance from a trusted financial advisor can help you determine if VUL aligns with your unique goals and circumstances.

What is VUL Insurance?

A Variable Unit-Linked (VUL) policy is a life insurance product that combines:

  • Insurance Coverage: A death benefit that your beneficiaries receive if you pass away. Optional riders may also be included such as critical illness benefit, hospital income, accidental death & disablement, and more.

  • Investment Component: Part of your premium is allocated to various investment funds (e.g., bonds, equities, balanced funds) which can potentially grow over time.

Key Features of VUL Policies

Flexible Premium Payments

  • Depending on the product, you can opt for regular-pay (monthly, quarterly, annually) or single-pay (one-time large premium).

  • You can often top-up your policy with extra amounts (excess premium) to boost the investment portion.

Choice of Funds

  • VUL policies typically offer fund options with varying risk levels—equity funds for higher growth potential, bond funds for stability, or balanced funds for a mix of both.

  • Policyholders can often switch or rebalance funds (subject to certain conditions), giving them flexibility to adapt to market changes.

Potential for Higher Returns

  • Since the investment component is tied to market performance, there’s an opportunity to earn more than you would through a traditional savings account or standard endowment product.

  • However, returns are not guaranteed, and market fluctuations can affect the value of your investment.

Insurance Benefits

  • Apart from the investment growth, you retain a death benefit that pays out to beneficiaries, which can be higher than the policy fund value depending on the terms.

Take the first step towards securing your family's future.

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