Affordable life insurance plan

FlexiProtect + Care
or Critical Conditions Rider

FlexiProtect + Care or Critical Conditions Rider are a selection

of value-for-money life insurance plans that provide substantial coverage for every peso.
Main benefits
Value-for-money Hospital income benefit or
Affordable premiums Flexible coverage
insurance coverage critical illness protection
Protect your family and loved Option to receive daily hospitalization To ensure that you and Get coverage for five (5)
ones with an affordable life income in case of confinement or additional your family are financially years, renewable up to
and health insurance coverage cash benefit if diagnosed with any of the 57 protected from the age 74.
in case of the unexpected covered major critical conditions. unexpected.

THIS FINANCIAL PRODUCT OF AXA PHILIPPINES AND CHARTER PING AN INSURANCE

CORPORATION IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION AND IS
NOT GUARANTEED BY PSBANK OR METROBANK.
 Choose between FlexiProtect with Care or Critical Conditions rider.

FlexiProtect with Care rider

Get daily hospitalization income benefit
Receive hospitalization allowance of up to ₱2,000/day when you add the Care rider.
Choose a CARE Rider package based on your budget—it will simply
be tucked in your premium payments!

Regular Superior Premier

General admission
(up to 1,000 days) ₱800/day ₱1,200/day ₱2,000/day

Intensive care
₱1,600/day ₱2,400/day ₱4,000/day
(up to 120 days)

FlexiProtect with Critical Conditions rider

Get additional cash benefit if you are diagnosed with any of the 57 covered
life-threatening illnesses when you add the Critical Conditions rider.
IMPORTANT: Pre-existing conditions are excluded, furthermore there is a 60-day waiting period starting on Policy Effective Date for Major Critical Conditions.
The full definitions of critical conditions and exclusions can be found in the policy contract. Should you decide to purchase this plan and find that it is not
suitable for you, you will be provided 15 days upon receipt of policy to cancel the plan with full refund.

*FlexiProtect product without the riders may still be availed with a minimum annual premium of ₱12,000.

34th Floor GT Tower International

6813 Ayala Ave. cor. H.V. Dela Costa St., | Makati City, Philippines 1227 | Hotline: (+632) 85815-AXA

www.axa.com.ph
 FlexiProtect Proposed Insured:
Ms. FEMALE THE RISK ADVISOR
Life (Age 25, Female)

Policy Owner or Payor:

Ms. FEMALE THE RISK ADVISOR
Age 25, Female

Dear FEMALE,

Thank you for your interest in AXA products. FlexiProtect Life is a term insurance product designed to provide protection for your loved ones
against the financial impact of your untimely demise. It is renewable every 5 years, and can be converted to any whole life plan should your
needs change in the future. This product has great flexibility and provides peace of mind at a very reasonable cost.

Life Protection
· Guaranteed death benefit equal to PHP 4,100,000.
· Coverage for 5 years that you may renew until age 74 even without evidence of insurability. The term of any such renewal will be 5
years, or the number of years on the Policy Anniversary on which the Insured is aged 75 nearest birthday, whichever is shorter.
· Option to convert to any permanent life insurance subject to AXA Philippines’ conversion policies at the time of conversion.
· Option to increase your insurance benefit on each policy anniversary at the rate of inflation with no medical or processing
requirements through the Index -linked Increase Endorsement (IIE) so you can be sure that the value of your benefits aligns with
future costs.
Supplemental benefits from riders that provide other forms of protection:
· SECURE gives you an additional benefit of 1,000,000 if death is the result of an accident, or a portion of this amount if the accident
resulted to dismemberment, disablement and/or major burns.
· CRITICAL CONDITIONS RIDER provides additional benefit of PHP 1,000,000 if the insured gets afflicted with any of the 57 identified
critical illnesses*.
· WAIVER OF PREMIUM waives all future premiums if you become totally and permanently disabled, as defined in the policy contract,
before age 60.

Basic Plan and Supplements Face Amount Option: Cover Up to Age* Sum Insured (PHP) Annual Premium (PHP)**
Basic
FlexiProtect P4.1M to P999M 30 4,100,000 P12K Minimum 12,136.00
Supplements
WAIVER OF PREMIUM 30 - 779.00
SECURE P1M to P10M 30 1,000,000 1,940.00
CRITICAL CONDITIONS RIDER P1M to P10M 30 1,000,000 3,830.00
TOTAL INITIAL ANNUAL PREMIUM 18,685.00
*Major CI is Subject to 30 Days
Survivability Clause. SEMI-ANNUAL PREMIUM 9,716.20
QUARTERLY PREMIUM 5,044.95
MONTHLY PREMIUM 1,775.08
* Refers to termination age
** Premiums for the basic plan (FlexiProtect) are renewable every 5 years and will depend on the attained age of the Insured at renewal date. For the
premium term of the supplement/s, if any, please refer to the supplement definition indicated in the "Summary of the Riders Attached to this Proposal".

Page 1 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:18 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

· Below is the FlexiProtect basic premiums renewal schedule as of date, for your reference.

Duration Annual Premium

1-5 12,136.00
6 - 10 12,833.00
11 - 15 13,571.00
16 - 20 14,719.00
21 - 25 16,892.00
26 - 30 21,402.00
31 - 35 32,759.00
36 - 40 50,922.00
41 - 45 75,645.00

This proposal is only an illustration of the key features of your policy and does not form part of the contract. For complete terms,
conditions and limitations of the plan, please refer to your policy.

Again, thank you for your interest in AXA products. If you have questions, please call me at the number specified below, or call AXA Philippines
Customer Care Hotline at Tel. No. (02)85815-292 or (02)83231-292.

REYES, ALJES OPENA

20601
41625
639197402466

General Disclaimer

All information and opinions provided are of a general nature and for information purposes only. The information and any opinions herein are based upon
sources believed to be reliable, and AXA Philippines, its officers and directors make no representations or warranty, expressed or implied, with respect to the
correctness, completeness of the information and opinions in this document. Please carefully read the policy and endorsements and consider the risks, charges
and expenses before buying the policy. You should seek independent professional advice from your financial, tax, accounting or legal consultant before buying
the policy.

THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION
(PDIC) AND IS NOT GUARANTEED BY METROBANK OR PS BANK

Page 2 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:18 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

Attached Supplements
Summary of the Riders Attached to this Proposal
1. SECURE is an additional coverage for Accidents on top of the life insurance benefit. If the insured, because of an accident, dies or
gets disabled and/or dismembered in ways describing below, a percentage of the amount insured by SECURE will be given based on
the following:

TYPE OF INJURY % of SECURE

Sum Insured

· Permanent loss of:

- Life 100%
- Two or more limbs 100%
- Sight of both eyes 100%
- Sight of one eye and one limb 100%
- Hearing of both ears 75%
- Hearing of one ear 15%
- Speech 50%
- Sight of one eye 50%
- One limb 50%
- All joints of four fingers and thumb of right hand 40%
- All joints of four fingers and thumb of left hand 35%
- All joints of four fingers of right hand 35%
- All joints of four fingers of left hand 30%
- Two joints of right thumb 25%
- One joint of right thumb 15%
- Two joints of left thumb 20%
- One joint of left thumb 10%
- Three joints of one finger of right hand 10%
- Two joints of one finger of right hand 7.5%
- One joint of one finger of right hand 5%
- Three joints of one finger of left hand 7.5%
- Two joints of one finger of left hand 5%
- One joint of one finger of left hand 2%
- All joints of all toes of one foot 15%
- All joints of big toe 5%
- One joint of big toe 3%

· Fractured leg or patella 10%

· Shortening of leg by at least 5 cms. 7.5%
· Major burns as percent of total body surface
- Head
- 2% but less than 4% 25%
- 4% but less than 6% 50%
- 6% but less than 8% 75%
- 8% or more 100%
-Body
- 10% but less than 12.5% 25%
- 12.5% but less than 15% 50%
- 15% but less than 20% 75%
- 20% or more 100%

SECURE Premiums are payable up to termination age and are renewable annually. The premium rate will depend on the
attained age of the Insured at renewal date.

Page 3 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:18 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

We will not pay You any benefit under this Supplement if Your Death, Dismemberment or Loss of Use shall result, directly or indirectly,
wholly or partly, from any of the following causes:

(1) self-inflicted injury, suicide or any attempt thereat; or

(2) disease or infection (except infection which occurs through an accidental cut or wound), including infection with any Human
Immunodeficiency Virus (HIV) and/or any HIV-related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations,
derivations or variations thereof; or
(3) strike, riot, civil commotion, Acts of Terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation; or
(4) murder, provoked assault or participation in any brawl; or
(5) any violation or attempted violation of the law or resistance to arrest; or
(6) while the Insured is affected by alcohol or unprescribed drug; or
(7) bodily or mental infirmity, hernia, ptomaines or infection other than infection occurring at the same time with or because of an
accidental cut or wound, disease or sickness of any kind; or
(8) poison, gas or fumes voluntarily or involuntarily taken, atomic explosion, nuclear fission, or radioactive gas; or
(9) while entering, operating, servicing, or ascending from or with any aerial or marine device or conveyance except while traveling as a
passenger in an aircraft or marine transportation operated by a commercial passenger airline or shipping line on a scheduled air or sea
service over an established passenger route; or
(10) service in the military, naval or air force in time of declared or undeclared war or while under the orders for warlike operations or
restoration of public order; or
(11) while undergoing medical or surgical treatment except as a result of accidental injury; or
(12) when occasioned by or happening through pregnancy or childbirth; or
(13) while engaged in hunting, racing of any kind, martial arts, scuba diving, hang-gliding, yachting beyond five (5) kilometer of coast-line,
bungee-jumping, parachuting, sky-diving, mountaineering, and other forms of extreme sports; or
(14) nuclear, biological or chemical (NBC) contamination; or
(15) Pre-Existing Conditions as defined in this Supplement.

“Pre-existing condition” means a condition (1) for which the Insured received medical advice, consultation or treatment, or (2) whose signs
or symptoms are evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or
treatment for it, prior to the Effective date of this Supplement or date of effectivity of its last reinstatement, if any. “Condition” means any
type of Bodily Injury as defined in this Supplement.

Page 4 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:18 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

Attached Supplements
(Continued)
2. CRITICAL CONDITIONS RIDER allows you to protect yourself from the unexpected cost of critical illness. This rider automatically
renews every year with premium rates based on your attained age at the date of renewal.

If the Insured is diagnosed of having any of the following critical illnesses before age 71, AXA will pay the rider Sum Insured. This
advanced benefit will not in any way diminish your basic life insurance coverage.

CRITICAL CONDITIONS RIDER Premiums are payable up to termination age and are renewable annually. The premium rate will
depend on the attained age of the Insured at renewal date. Below is a sample premium schedule for your reference:

Age Nearest Annual Premium Age Nearest Annual Premium

Birthday Birthday
25 3,830.00 50 15,710.00
26 4,060.00 55 19,900.00
27 4,290.00 60 28,500.00
28 4,510.00 65 45,560.00
29 4,740.00 70 75,900.00
30 4,970.00
31 5,200.00
32 5,420.00
33 5,650.00
34 5,880.00

CRITICAL CONDITIONS COVERED

Group 1 Cancer Group 4 Critical Conditions related to the Group 7 Critical Conditions related to
1. Cancer nervous system immunology and rheumatology
19. Amyotrophic Lateral Sclerosis 44. Severe Rheumatoid Arthritis
Group 2 Critical Conditions related to organ 20. Apallic Syndrome 45. Systemic Lupus Erythematosus (S.L.E.)
failure 21. Bacterial Meningitis with Lupus Nephritis
2. Chronic Adrenal Insufficiency (Addison's 22. Benign Brain Tumor 46. Systemic Scleroderma
Disease) 23. Blindness
3. Chronic and Irreversible Kidney Failure 24. Brain Damage^ Group 8 Critical Conditions related to
4. Chronic Liver Disease 25. Encephalitis neurological degeneration
5. Coma 26. Motor Neuron Disease 47. Alzheimer’s Disease
6. End Stage Lung Disease 27. Multiple Sclerosis 48. Parkinson’s Disease
7. Loss of Independent Existence# 28. Muscular Dystrophy 49. Severe Creutzfeld-Jacob Disease (CJD)
8. Major Organ Transplantation 29. Paralysis
9. Medullary Cystic Disease 30. Poliomyelitis Group 9 Critical Conditions related to the
31. Progressive Bulbar Palsy musculoskeletal system
Group 3 Critical Conditions related to heart 32. Progressive Supranuclear Palsy^ 50. Amputation of Both Feet due to
and blood vessels 33. Spinal Muscular Atrophy Complication from Diabetes
10. Cardiomyopathy 34. Stroke 51. Major Burns
11. Coronary Artery Disease Requiring Surgery 35. Tuberculosis Meningitis 52. Necrotizing Fasciitis
12. Dissecting Aortic Aneurysm 53. Severance of Limbs
13. Eisenmenger’s Syndrome Group 5 Critical Conditions related to blood
14. Heart Attack 36. AIDS / HIV due to Blood Transfusion Group 10 Other Critical Conditions
15. Heart Valve Surgery 37. Aplastic Anemia 54. Deafness (loss of hearing)
16. Primary Pulmonary Arterial Hypertension 38. Occupationally Acquired AIDS / HIV 55. Elephantiasis
17. Severe Infective Endocarditis 39. Dengue Hemorrhagic Fever (Grades III 56. Loss of Speech
18. Surgery to Aorta and IV) 57. Terminal Illness

Group 6 Critical Conditions related to the

digestive system
40. Chronic Relapsing Pancreatitis
41. Fulminant Hepatitis
42. Severe Crohn’s Disease
43. Severe Ulcerative Colitis
#To be eligible to receive a benefit under this Critical Condition, the Insured must be between age 15 and age 75 at the time of first diagnosis.
^To be eligible to receive a benefit under this Critical Condition, the Insured must be above age 5 at the time of first diagnosis.

Notes:
1. The rates shown, if any, are those currently in effect. The rates applicable upon renewal of this Rider will be those in effect at
the date of renewal
2. For a detailed description including exclusions and other provisions, please refer to the rider contract.
Page 5 of 9 of Proposal No. 41625-202106160542-6-02
Printed on: 7/13/2021 02:43:19 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

Critical Conditions Rider covers a total of 57 critical conditions. Here is a quick reference for the 16 most common critical conditions.

TOP 16 COVERED CRITICAL CONDITIONS

CONDITION WHAT IS COVERED
1. Cancer Cancer, beginning stage 1* to stage 4, which meets
the following criteria:
• A malignant tumor
• Confirmed by biopsy report
• Certified by an appropriate specialist
Types of Cancer include: Leukemia, Malignant
Lymphoma, Hodgkin’s Disease, Malignant bone
marrow disorders, Metastatic cancers
*except for certain stage 1 cancer classifications in
specified organs
2. Stroke Evidence of irreversible death of brain cells due to a
blocked artery or ruptured blood vessel.
3. Heart Attack Occurrence of death of a portion of the heart muscle
as a result of inadequate blood supply to the
relevant area.
4. Coronary Artery Bypass An open heart surgery should have already been
Graft Surgery (CABG) done to correct the narrowing or blockage of one or
more coronary arteries with bypass grafts.
5. Heart Valve Surgery An open heart valve surgery should have already
been done to replace or repair one (1) or more heart
valves, as a consequence of defects.
6. Major Organ Recommendation from a specialist to undergo
Transplantation transplant for any of the following organs:
• heart, lung, liver, kidney, pancreas, or human
bone marrow
7. Chronic and The following symptoms must be present:
Irreversible Kidney Failure • Both kidneys are characterized with
irreversible failure to function
• Has already started regular renal dialysis
• Is either awaiting or has already undergone
kidney transplant
8. Alzheimer’s Disease Evident deterioration or loss of cognitive and/or
intellectual capacity, due to irreversible failure of
brain function.
Note: The critical condition must occur 60 days after the policy’s effective date for the benefit to be payable. Benefits relating to Critical Conditions
are payable according to the definitions set out in the Rider contract.
WHAT IS NOT COVERED
• Tumors defined as benign, or pre-
malignant
• Non-invasive cancers in situ (pre-
cancer or Stage 0 cancer)
• Certain Stage 1 cancer classifications
in the contract for the following organs:
ovary, prostate, urinary bladder, and
thyroid
• Any skin cancer other than malignant
melanoma
• Chronic Lymphocytic Leukemia less
than Rai Stage 3.
• Transient Ischaemic Attacks (TIA) or
temporary stroke-like signs and
symptoms
• Brain damage due to an accident or
injury, infection, vasculitis
(inflammation of blood vessels),
inflammatory disease or migraine
• Disorders of the blood vessels
affecting the eye including infarction of
the optic nerve or retina
• Ischemic disorders of the vestibular
system
• Silent stroke with no symptoms
• Any chest pain (i.e. angina) without
evidence of death or injury of the heart
muscle
• All other procedures which do not
require open chest surgery and actual
placement of bypass graft
• All repairs conducted through intra-
arterial catheter procedures
• Other transplants for organs not
mentioned in the list
• At least one kidney is still functioning
and regular dialysis is not required.
• Dementia relating to alcohol, drug
abuse or AIDS

Page 6 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:19 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker

TOP 16 COVERED CRITICAL CONDITIONS (continuation)

CONDITION WHAT IS COVERED WHAT IS NOT COVERED
9. Parkinson’s Disease Definitive signs of progressive and permanent • Drug induced, accidental, or toxic
neurological impairment, evidenced by permanent causes of Parkinson’s Disease
inability to perform at least three (3) out of six (6)
Activities of Daily Living (ADLs)1, in spite of being on
optimal medication.
10. Bacterial Meningitis Evidence of inflammation of the brain membranes or • Viral Meningitis
spinal cord, resulting in significant and permanent
neurological deficit.
11. Benign Brain Tumor Presence of a life threatening, non-cancerous tumor • Cysts, granulomas (inflammations),
in the brain. If it cannot be removed through surgery, malformations in, or of, the arteries or
the tumor should cause significant and permanent veins of the brain, hematomas
neurological deficit persisting for at least 6 (collection of blood outside the blood
consecutive months. vessels) and tumors in the pituitary
gland or spinal cord
12. Paralysis Inability of two (2) or more limbs to function totally • Paralysis in 1 limb
and permanently due to injury or disease of the
spinal cord or brain.

Those classified as Diplegia (paralysis affecting like

parts on both sides of the body, such as both arms
or both legs), Hemiplegia (paralysis of one side of
the body), and Quadriplegia (paralysis of all four
limbs) are included.
13. Loss of Independent Permanent inability to perform at least three (3) • Independent capability to perform 4 or
Existence Activities of Daily Living (ADLs)1, as certified by a more ADLs
medical specialist and/or AXA’s medical director.

*Only Insured aged between 15 and 75 on first

diagnosis is eligible to receive a benefit under this
illness
14. Severe Rheumatoid Evidence of extensive joint deformity of two (2) or • Only one joint area is affected and the
Arthritis more of the following joint areas: hands, wrists, Insured can still perform 3 or more
elbows, knees, hips, ankle, cervical spine or feet; ADLs.
and inability to perform at least 2 Activities of Daily
Living (ADLs)1.

The condition must be present for at least six (6)

months.
15. Severance of Limbs Total and irrecoverable loss of two (2) or more limbs • Loss of either one (1) hand or one (1)
due to illness or accident only. This includes the foot only.
loss of use of both hands or both feet or the use of
one (1) hand and one (1) foot.
16. Dengue Hemorrhagic Dengue Grades III and IV • Dengue Hemorrhagic Fever I and II
Fever
*Only Insured aged 21 and below on first diagnosis
is eligible to receive a benefit under this illness.
1 Activities of Daily Living are as follows: (1) Washing - wash in the bath or shower (including getting into and out of the bath or shower) or wash
satisfactorily by other means; (2) Dressing - put on, take off, secure, and unfasten all garments and, as appropriate, any braces, artificial limbs, or
other surgical appliances; (3) Transferring - move from a bed to an upright chair or wheelchair or vice versa; (4) Mobility - move indoors from room
to room on level surfaces; (5) Toileting - use lavatory or otherwise manage bowel and bladder functions so as to maintain a satisfactory level of
personal hygiene; and (6) Feeding - feed oneself once food has been prepared and made available.

Note: The critical condition must occur 60 days after the policy’s effective date for the corresponding benefit to be payable. Benefits relating to all
Critical Conditions are payable according to the definitions set out in the Rider contract. Pre-existing condition* as defined is permanently excluded.

*Pre-existing condition means a condition (a) for which the Insured received medical advice, consultation or treatment, or (b) whose signs or
symptoms are evident, or should have been evident to the Insured, even if the Insured did not seek medical advice, consultation or treatment for it
prior to the Effective Date or the date of last reinstatement, if any. “Condition” means any type of illness, specific injury, disease, or infirmity
including all underlying or related conditions and any manifestation thereof, whether in one or more than one body system.

Cooling-off Period: You may return or cancel the rider contract within 15 days from the date you receive the contract. You will receive a full refund of
your Premium. No refund can be made when you have already made a claim on your rider.

Page 7 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:19 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
FlexiProtect Philippine Peso
for: Ms. FEMALE THE RISK ADVISOR, Female, 25, Non-smoker
3. WAIVER OF PREMIUM waives premium payments in the event you are suddenly unable to work and pay for the premiums because
of a disability. In effect, with a Waiver of Premium supplement, your policy will be allowed to continue as if premiums are regularly
and continuously paid.

The premium term of the supplement for waiver of premium is the same as the premium term of the plan to which the supplement
for waiver of premium is attached.
NOTES:
1. The rates shown, if any, are those currently in effect. The rates applicable upon renewal of the Supplement will be those in effect at the date of
renewal.
2. For a detailed description of the Supplements, including exclusions and other provisions, please refer to the policy contract.

Page 8 of 9 of Proposal No. 41625-202106160542-6-02

Printed on: 7/13/2021 02:43:19 PM Created on: 06/16/2021 Expiry Date: 08/15/2021
Version Number: 6.2.0 Date for Next Insurance Age: 10/31/2021
Plan Code: TR05/ Rider Code: WP, AP, CCYRT
 Reference Number: 41625-202106160542-6-02

FINANCIAL UNDERSTANDING SUMMARY

Dear FEMALE,

Thank you for providing us with relevant information with regards to your financial needs.

Based on your current financial situation, which includes, among others, your personal
monthly gross income of 30,000.00, and after taking into consideration your objectives, risk
profile and priorities, you have selected FlexiProtect 5 Life (RP) for your Income Protection
need.

The details of your insurance coverage and your insurance premium are summarized in your
FlexiProtect 5 Life (RP) sales illustration.

REYES, ALJES OPENA

20601
41625
639197402466

This document is not intended to be a part of your sales illustration of your application form. This is a
summary of the financial needs that you have provided during assessment by your distributor.
 FlexiProtect + Critical Conditions Rider Rate Sheet
Affordable life insurance plan with critical illness protection.

FlexiProtect (1 Million Sum Insured) + Critical Conditions YRT FlexiProtect (1.5 Million Sum Insured) + Critical Conditions YRT FlexiProtect (2 Million Sum Insured) + Critical Conditions YRT
(1 Million Sum Insured) (1.5 Million Sum Insured) (2 Million Sum Insured)
CRITICAL CONDITIONS RIDER
Quarterly Annual Quarterly Annual Quarterly Annual

Age Male Female Male Female Age Male Female Male Female Age Male Female Male Female
25 ₱2,033.10 ₱1,833.30 ₱7,530.00 ₱6,790.00 25 ₱3,049.65 ₱2,749.95 ₱11,295.00 ₱10,185.00 25 ₱4,066.20 ₱3,666.60 ₱15,060.00 ₱13,580.00
26 ₱2,081.70 ₱1,906.20 ₱7,710.00 ₱7,060.00 26 ₱3,122.55 ₱2,859.30 ₱11,565.00 ₱10,590.00 26 ₱4,163.40 ₱3,812.40 ₱15,420.00 ₱14,120.00
27 ₱2,130.30 ₱1,973.70 ₱7,890.00 ₱7,310.00 27 ₱3,195.45 ₱2,960.55 ₱11,835.00 ₱10,965.00 27 ₱4,260.60 ₱3,947.40 ₱15,780.00 ₱14,620.00
28 ₱2,181.60 ₱2,043.90 ₱8,080.00 ₱7,570.00 28 ₱3,272.40 ₱3,065.85 ₱12,120.00 ₱11,355.00 28 ₱4,363.20 ₱4,087.80 ₱16,160.00 ₱15,140.00
29 ₱2,230.20 ₱2,116.80 ₱8,260.00 ₱7,840.00 29 ₱3,345.30 ₱3,175.20 ₱12,390.00 ₱11,760.00 29 ₱4,460.40 ₱4,233.60 ₱16,520.00 ₱15,680.00
30 ₱2,284.20 ₱2,187.00 ₱8,460.00 ₱8,100.00 30 ₱3,426.30 ₱3,280.50 ₱12,690.00 ₱12,150.00 30 ₱4,568.40 ₱4,374.00 ₱16,920.00 ₱16,200.00
31 ₱2,338.20 ₱2,259.90 ₱8,660.00 ₱8,370.00 31 ₱3,507.30 ₱3,389.85 ₱12,990.00 ₱12,555.00 31 ₱4,676.40 ₱4,519.80 ₱17,320.00 ₱16,740.00
32 ₱2,389.50 ₱2,324.70 ₱8,850.00 ₱8,610.00 32 ₱3,584.25 ₱3,487.05 ₱13,275.00 ₱12,915.00 32 ₱4,779.00 ₱4,649.40 ₱17,700.00 ₱17,220.00
33 ₱2,440.80 ₱2,397.60 ₱9,040.00 ₱8,880.00 33 ₱3,661.20 ₱3,596.40 ₱13,560.00 ₱13,320.00 33 ₱4,881.60 ₱4,795.20 ₱18,080.00 ₱17,760.00
34 ₱2,494.80 ₱2,470.50 ₱9,240.00 ₱9,150.00 34 ₱3,742.20 ₱3,705.75 ₱13,860.00 ₱13,725.00 34 ₱4,989.60 ₱4,941.00 ₱18,480.00 ₱18,300.00
35 ₱2,548.80 ₱2,543.40 ₱9,440.00 ₱9,420.00 35 ₱3,823.20 ₱3,815.10 ₱14,160.00 ₱14,130.00 35 ₱5,097.60 ₱5,086.80 ₱18,880.00 ₱18,840.00
36 ₱2,600.10 ₱2,619.00 ₱9,630.00 ₱9,700.00 36 ₱3,900.15 ₱3,928.50 ₱14,445.00 ₱14,550.00 36 ₱5,200.20 ₱5,238.00 ₱19,260.00 ₱19,400.00
37 ₱2,654.10 ₱2,694.60 ₱9,830.00 ₱9,980.00 37 ₱3,981.15 ₱4,041.90 ₱14,745.00 ₱14,970.00 37 ₱5,308.20 ₱5,389.20 ₱19,660.00 ₱19,960.00
38 ₱2,713.50 ₱2,770.20 ₱10,050.00 ₱10,260.00 38 ₱4,070.25 ₱4,155.30 ₱15,075.00 ₱15,390.00 38 ₱5,427.00 ₱5,540.40 ₱20,100.00 ₱20,520.00
39 ₱2,772.90 ₱2,845.80 ₱10,270.00 ₱10,540.00 39 ₱4,159.35 ₱4,268.70 ₱15,405.00 ₱15,810.00 39 ₱5,545.80 ₱5,691.60 ₱20,540.00 ₱21,080.00
40 ₱2,837.70 ₱2,924.10 ₱10,510.00 ₱10,830.00 40 ₱4,256.55 ₱4,386.15 ₱15,765.00 ₱16,245.00 40 ₱5,675.40 ₱5,848.20 ₱21,020.00 ₱21,660.00
41 ₱2,907.90 ₱3,007.80 ₱10,770.00 ₱11,140.00 41 ₱4,361.85 ₱4,511.70 ₱16,155.00 ₱16,710.00 41 ₱5,815.80 ₱6,015.60 ₱21,540.00 ₱22,280.00
42 ₱3,134.70 ₱3,196.80 ₱11,610.00 ₱11,840.00 42 ₱4,702.05 ₱4,795.20 ₱17,415.00 ₱17,760.00 42 ₱6,269.40 ₱6,393.60 ₱23,220.00 ₱23,680.00
43 ₱3,420.90 ₱3,483.00 ₱12,670.00 ₱12,900.00 43 ₱5,131.35 ₱5,224.50 ₱19,005.00 ₱19,350.00 43 ₱6,841.80 ₱6,966.00 ₱25,340.00 ₱25,800.00
44 ₱3,747.60 ₱3,761.10 ₱13,880.00 ₱13,930.00 44 ₱5,621.40 ₱5,641.65 ₱20,820.00 ₱20,895.00 44 ₱7,495.20 ₱7,522.20 ₱27,760.00 ₱27,860.00
45 ₱4,109.40 ₱4,066.20 ₱15,220.00 ₱15,060.00 45 ₱6,164.10 ₱6,099.30 ₱22,830.00 ₱22,590.00 45 ₱8,218.80 ₱8,132.40 ₱30,440.00 ₱30,120.00
46 ₱4,479.30 ₱4,409.10 ₱16,590.00 ₱16,330.00 46 ₱6,718.95 ₱6,613.65 ₱24,885.00 ₱24,495.00 46 ₱8,958.60 ₱8,818.20 ₱33,180.00 ₱32,660.00
47 ₱4,895.10 ₱4,779.00 ₱18,130.00 ₱17,700.00 47 ₱7,342.65 ₱7,168.50 ₱27,195.00 ₱26,550.00 47 ₱9,790.20 ₱9,558.00 ₱36,260.00 ₱35,400.00
48 ₱5,373.00 ₱5,038.20 ₱19,900.00 ₱18,660.00 48 ₱8,059.50 ₱7,557.30 ₱29,850.00 ₱27,990.00 48 ₱10,746.00 ₱10,076.40 ₱39,800.00 ₱37,320.00
49 ₱5,907.60 ₱5,319.00 ₱21,880.00 ₱19,700.00 49 ₱8,861.40 ₱7,978.50 ₱32,820.00 ₱29,550.00 49 ₱11,815.20 ₱10,638.00 ₱43,760.00 ₱39,400.00
50 ₱6,498.90 ₱5,651.10 ₱24,070.00 ₱20,930.00 50 ₱9,748.35 ₱8,476.65 ₱36,105.00 ₱31,395.00 50 ₱12,997.80 ₱11,302.20 ₱48,140.00 ₱41,860.00
51 ₱7,176.60 ₱6,042.60 ₱26,580.00 ₱22,380.00 51 ₱10,764.90 ₱9,063.90 ₱39,870.00 ₱33,570.00 51 ₱14,353.20 ₱12,085.20 ₱53,160.00 ₱44,760.00
52 ₱7,921.80 ₱6,390.90 ₱29,340.00 ₱23,670.00 52 ₱11,882.70 ₱9,586.35 ₱44,010.00 ₱35,505.00 52 ₱15,843.60 ₱12,781.80 ₱58,680.00 ₱47,340.00
53 ₱8,853.30 ₱6,731.10 ₱32,790.00 ₱24,930.00 53 ₱13,279.95 ₱10,096.65 ₱49,185.00 ₱37,395.00 53 ₱17,706.60 ₱13,462.20 ₱65,580.00 ₱49,860.00
54 ₱9,868.50 ₱7,111.80 ₱36,550.00 ₱26,340.00 54 ₱14,802.75 ₱10,667.70 ₱54,825.00 ₱39,510.00 54 ₱19,737.00 ₱14,223.60 ₱73,100.00 ₱52,680.00
55 ₱10,940.40 ₱7,530.30 ₱40,520.00 ₱27,890.00 55 ₱16,410.60 ₱11,295.45 ₱60,780.00 ₱41,835.00 55 ₱21,880.80 ₱15,060.60 ₱81,040.00 ₱55,780.00
56 ₱12,198.60 ₱7,932.60 ₱45,180.00 ₱29,380.00 56 ₱18,297.90 ₱11,898.90 ₱67,770.00 ₱44,070.00 56 ₱24,397.20 ₱15,865.20 ₱90,360.00 ₱58,760.00
57 ₱13,513.50 ₱8,507.70 ₱50,050.00 ₱31,510.00 57 ₱20,270.25 ₱12,761.55 ₱75,075.00 ₱47,265.00 57 ₱27,027.00 ₱17,015.40 ₱100,100.00 ₱63,020.00
58 ₱14,863.50 ₱9,228.60 ₱55,050.00 ₱34,180.00 58 ₱22,295.25 ₱13,842.90 ₱82,575.00 ₱51,270.00 58 ₱29,727.00 ₱18,457.20 ₱110,100.00 ₱68,360.00
59 ₱16,308.00 ₱10,103.40 ₱60,400.00 ₱37,420.00 59 ₱24,462.00 ₱15,155.10 ₱90,600.00 ₱56,130.00 59 ₱32,616.00 ₱20,206.80 ₱120,800.00 ₱74,840.00
60 ₱17,833.50 ₱11,048.40 ₱66,050.00 ₱40,920.00 60 ₱26,750.25 ₱16,572.60 ₱99,075.00 ₱61,380.00 60 ₱35,667.00 ₱22,096.80 ₱132,100.00 ₱81,840.00
61 ₱19,488.60 ₱12,112.20 ₱72,180.00 ₱44,860.00 61 ₱29,232.90 ₱18,168.30 ₱108,270.00 ₱67,290.00 61 ₱38,977.20 ₱24,224.40 ₱144,360.00 ₱89,720.00
62 ₱21,211.20 ₱13,189.50 ₱78,560.00 ₱48,850.00 62 ₱31,816.80 ₱19,784.25 ₱117,840.00 ₱73,275.00 62 ₱42,422.40 ₱26,379.00 ₱157,120.00 ₱97,700.00
63 ₱22,655.70 ₱14,301.90 ₱83,910.00 ₱52,970.00 63 ₱33,983.55 ₱21,452.85 ₱125,865.00 ₱79,455.00 63 ₱45,311.40 ₱28,603.80 ₱167,820.00 ₱105,940.00
64 ₱24,372.90 ₱15,773.40 ₱90,270.00 ₱58,420.00 64 ₱36,559.35 ₱23,660.10 ₱135,405.00 ₱87,630.00 64 ₱48,745.80 ₱31,546.80 ₱180,540.00 ₱116,840.00
65 ₱26,238.60 ₱17,282.70 ₱97,180.00 ₱64,010.00 65 ₱39,357.90 ₱25,924.05 ₱145,770.00 ₱96,015.00 65 ₱52,477.20 ₱34,565.40 ₱194,360.00 ₱128,020.00

Notes:
• Premiums indicated are FlexiProtect + Critical Conditions at corresponding issue age. Premiums for FlexiProtect are renewable • For semi-annual premiums, multiply the annual premium by .52.
every 5 years and will depend on the attained age of the Insured at renewal date. Premiums for Critical Conditions rider are • Final premium may vary due to rounding off.
renewable annually and will depend on the attained age. • Kindly refer to the sales illustration for the schedule of renewal premiums
• The premiums above are for Standard Risk only.