Bplac Reg7011484847 PDF

Plan Name:
LIFE READY PLUS
Policyowner:
ESTRELLA T DIXON
PH6 B4 L23
CAMELLA PROVENCE L
MALOLOS BULACAN 3000
Life Ready Plus is a regular-pay life insurance plan that gives you
protection and helps build your wealth over time to fund your future needs.
My Plan Summary
Plan Name: LIFE READY PLUS

Policy Number: 7011484847
Currency: PHILIPPINE PESO
Effective Date: FEB 21, 2023
Termination Date: FEB 21, 2093
Payment Mode: QUARTERLY
Premium Payment: PHP 7,483.02
Owner’s Name: MRS ESTRELLA T DIXON

Insured’s Name: MISS JHOANA MAE S TEVES
Insured’s Age: 30
Residence Number:
Business Number:
Mobile Number: 09063729768
Email Address: JMTEVES731@GMAIL.COM
Preferred Mailing Address: PH6 B4 L23

CAMELLA PROVENCE L
MALOLOS BULACAN 3000
Bancassurance Sales Executive’s Name: SARAH JEAN CUACHIN

Contact Number:
BPI Branch: TRINOMA NORTH
My Fund Values
As of the policy’s effective date, your initial payment was invested as follows:
Fund Allocation Net Asset Value Unit

Per Unit Purchased
*Inclusive of applicable charges
My Coverage Details
Description Face Amount Modal Premium Max Years

Payable
LIFE READY PLUS REGULAR PAY PHP 800,000.00 PHP 26,666.60 70

A&H 1-3 AD&D PHP 800,000.00 PHP 1,736.00 42
A&H 4 MR PHP 50,000.00 PHP 661.47 42
A&H 5 WI PHP 2,000.00 PHP 868.00 42
For any questions, concerns, or updates to the information mentioned above, please contact your Bancassurance Sales
Executive or call our Customer Hotline at (02) 8528-5501 or Provincial Toll-Free for PLDT 1-800-8944-5433 or send an
email to BPIAIA.CustomerService@aia.com.
In this Policy the words, “you” and “your” refer to you, the Owner named below, or to any person who may succeed you as Owner of this Policy. The
words “we”, “us”, “our”, and “the Company” refer to us, BPI AIA.
BENEFICIARY
BENEFICIARY DESIGNATION
Your Beneficiary is designated in the attached application, unless you have changed the designation according to the provision below. Unless
you indicate otherwise in the attached application, designated beneficiaries will receive the proceeds in equal shares.
CHANGE OF BENEFICIARY
You alone may change the beneficiary designation in this Policy. You may do this by filing a satisfactory written notice with us. If the notice is
recorded at our Office, the change will take effect on the date you signed the notice. However, the change will not affect any payment we may
have already made before the recording. If the beneficiary designation is irrevocable, you must file along with th e notice your Beneficiary’s
written approval to the change.
DEATH OF BENEFICIARY
Unless you provide differently in the beneficiary designation, the interest of any Beneficiary who dies before the Insured sh all go to you.
SCHEDULE OF BENEFITS AND PREMIUM

Benefit Premiums
Number of
Form No. Description Amount of Coverage Annual Premium Years
Payable
BAC45BP Life Ready Plus Regular Pay PHP 800,000.00 PHP 26,666.60 70
CAC31BP A&H 1-3 AD&D PHP 800,000.00 PHP 1,736.00 42
A&H 4 MR PHP 50,000.00 PHP 661.47 42
A&H 5 WI PHP 2,000.00 PHP 868.00 42
Benefits provided by Supplementary Contracts are subject to the provision of those contracts.
Policy anniversaries, policy Total Initial Premium
years and due dates are Annual Semi-Annual Quarterly Monthly
determined with reference to
the Effective Date. PHP 29,932.07 PHP 14,966.04 PHP 7,483.02 PHP 2,496.33
Endorsement Forms Attached to this Policy
EAC46BP-ENDORSEMENT FOR 5-YEAR COVERAGE PROTECTOR

BPLCCFC-ENDORSEMENT ATTACHING COMMERCIAL FLYING COVERAGE
POLICY DATA SECTION

Insured: JHOANA MAE S TEVES Issue Age: 30 Age Nearest
Owner: ESTRELLA T DIXON Birthday at
Effective Date
FACE AMOUNT - PHP800,000 Policy Number: 7011484847

Effective Date: February 21, 2023
Termination Date: February 21, 2093
DOCUMENTARY STAMPS CORRESPONDING TO THE AMOUNT OF INSURANCE OF THIS POLICY ARE

AFFIXED AND CANCELLED ON THE DUPLICATE COPY OF THE POLICY.
ALL THE AMOUNTS STATED IN THIS POLICY ARE IN PHILIPPINE PESO (PHP) CURRENCY.
BAC45BP Page 3 NON-PARTICIPATING

REV 0 BPI AIA Customer Confidential
August 2016
BPI AIA LIFE ASSURANCE CORPORATION
BPI AIA Customer Confidential



LIFE AND HEALTH INSURANCE
REGULAR APPLICATION FORM
bplac_eapp_reg_BPLAC_07_60 PROD 9.82(2022122618)
Instructions: This application forms part of the policy. Please write in POLICY NUMBER:
CAPITAL LETTERS using BLACK ink. Any erasure invalidates the
application unless signed. Put a check in the appropriate
checkboxes and write “N/A” if the field is not applicable. All fields are
To be filled out by BPI AIA
mandatory unless stated otherwise or not applicable.
PERSONAL INFORMATION PERSONAL INFORMATION

OF THE PROPOSED INSURED OF THE OWNER
To be filled out if Insured is different from the Owner
1A. LAST NAME 2A. LAST NAME
Teves Dixon
FIRST NAME FIRST NAME

Jhoana Mae Estrella
MIDDLE NAME MIDDLE NAME

Seares Teves
B. RELATIONSHIP OF OWNER TO PROPOSED INSURED

Niece - 1
Put “Self” if Proposed Insured is also the Owner
C. SEX Male Female GENDER Female C. SEX Male Female GENDER Female
HONORIFIC Mr. Miss Mrs. Others HONORIFIC Mr. Miss Mrs. Others
Dr. Atty. Engr. Dr. Atty. Engr.
D. OTHER NAME/ALIAS (Last Name, First Name, Middle Name) D. OTHER NAME/ALIAS (Last Name, First Name, Middle Name)
E. CIVIL STATUS F. DATE OF BIRTH E. CIVIL STATUS F. DATE OF BIRTH

Single Married (DD/MM/YYYY) Single Married (DD/MM/YYYY)
Widowed Separated 13 / 09 / 1992 Widowed Separated 23 / 02 / 1963
G. PLACE OF BIRTH (Town/City, Country) G. PLACE OF BIRTH (Town/City, Country)

MANILA MANILA
H. COUNTRY OF CITIZENSHIP H. COUNTRY OF CITIZENSHIP
Philippines Philippines
COUNTRY OF NATIONALITY COUNTRY OF NATIONALITY
Philippines Philippines
I. IDENTIFICATION NUMBERS I. IDENTIFICATION NUMBERS

Please submit a clear copy of one (1) valid ID with photo and signature Please submit a clear copy of one (1) valid ID with photo and signature
then write details below. then write details below.
Type of ID: UMID Type of ID: Philippine Passport
ID Number: 011174505498 ID Number: P0016393C

Country of Tax Country of Tax
Residency: Philippines Philippines
Residency:
J. CONTACT NUMBERS - LOCAL J. CONTACT NUMBERS - LOCAL

Please ensure that the numbers provided below are valid and updated. Please ensure that the numbers provided below are valid and updated.
Notifications about your application status and other updates will be sent Notifications about your application status and other updates will be sent
directly to your personal mobile number. directly to your personal mobile number.
Mobile： 0906-3729768 Mobile： 0906-3729768
Please provide phone numbers in the following format: Please provide phone numbers in the following format:
Area code – phone number. Example: (02) 8528-2000 Area code – phone number. Example: (02) 8528-2000
Home： Home：
Office： Office：
QR-BUND-RWF/Revision 4/August 2021 BPI AIA Customer Confidential Page 1 of 16


CONTACT NUMBER - INTERNATIONAL CONTACT NUMBER - INTERNATIONAL
Please provide either mobile or landline number in the following format: Please provide either mobile or landline number in the following format:
+44XXX-XXX-XXXX (Mobile) or +442-528-2000 (Landline) +44XXX-XXX-XXXX (Mobile) or +442-528-2000 (Landline)
Mobile Landline Mobile Landline
+ +
Please check your preferred contact number: Please check your preferred contact number:
Mobile Phone Home Phone Office Phone Mobile Phone Home Phone Office Phone
K. E-MAIL ADDRESS K. E-MAIL ADDRESS

Please ensure that the email address provided below is valid and Please ensure that the email address provided below is valid and
updated. Your Policy Contract and other correspondences in updated. Your Policy Contract and other correspondences in
electronic format will be sent via your personal email address. electronic format will be sent via your personal email address.
jmteves731@gmail.com jmteves731@gmail.com
SOCIAL MEDIA ID (optional) SOCIAL MEDIA ID (optional)
Please select the social media platform provided above: Please select the social media platform provided above:
Facebook Twitter Instagram Facebook Twitter Instagram
L. PRESENT ADDRESS L. PRESENT ADDRESS

House No./Building/Village, Street, and Barangay House No./Building/Village, Street, and Barangay
Ph6 B4 L23 Ph6 B4 L23
Camella Provence L Camella Provence L

District City/Municipality District City/Municipality
MALOLOS MALOLOS
Province Country Province Country
BULACAN Philippines BULACAN Philippines
M. PERMANENT ADDRESS M. PERMANENT ADDRESS

Same as present address ? Yes No Same as present address ? Yes No
Ph6 B4 L23 Ph6 B4 L23
Camella Provence L Camella Provence L

MALOLOS MALOLOS
BULACAN Philippines BULACAN Philippines
N. BUSINESS ADDRESS N. BUSINESS ADDRESS

Same as present address ? Yes No Same as present address ? Yes No
Ph6 B4 L23 Rm C 3F SE Mansion
Camella Provence L TST Kowloon

MALOLOS
BULACAN Philippines Hong Kong
Please select your preferred mailing address: Please select your preferred mailing address:
Present Permanent Business Present Permanent Business
Address Address Address Address Address Address


O. PRIMARY OCCUPATION O. PRIMARY OCCUPATION
CARETAKER BAKER
Specific Duties Specific Duties
LOCAL All around
SECONDARY OCCUPATION SECONDARY OCCUPATION
Specific Duties Specific Duties
GOVERNMENT EMPLOYEE GOVERNMENT EMPLOYEE

Government Office Government Office
P. NAME OF COMPANY P. NAME OF COMPANY

Private House Bake House Ltd
NATURE OF NATURE OF
BUSINESS WORKPLACE IS WITHIN THE RESIDENCE BUSINESS BAKERY SHOP/FACTORY
Q. ANNUAL INCOME Q. ANNUAL INCOME

No income P960,000 – 1,199,999 No income P960,000 – 1,199,999
Below P100,000 P1,200,000 – 1,799,999 Below P100,000 P1,200,000 – 1,799,999
P100,000 – 239,999 P1,800,000 – 2,999,999 P100,000 – 239,999 P1,800,000 – 2,999,999
P240,000 – 599,999 P3,000,000 – 4,999,999 P240,000 – 599,999 P3,000,000 – 4,999,999
P600,000 – 959,999 P5,000,000 and above P600,000 – 959,999 P5,000,000 and above
R. SOURCE/S OF FUND R. SOURCE/S OF FUND

Check all applicable answers. Check all applicable answers.
Salary Sales Commissions Salary Sales Commissions
Business Allotment from Business Allotment from

Seafarer Seafarer
Professional Fees Professional Fees
Remittance from Remittance from
Savings/Investments Abroad Country: Savings/Investments Abroad Country:
Benefits from Benefits from
maturing BPI AIA maturing BPI AIA
Policy No.: Others Policy No.: Others
S. MOTHER’S MAIDEN NAME S. MOTHER’S MAIDEN NAME

Last Name Last Name
Seares Teves
First Name First Name
Susana Beatriz
Middle Name Middle Name
Jimenez
BENEFICIAL OWNER
Beneficial Owner refers to an individual who ultimately owns or controls the Policy, the Policy Owner, and/or on whose behalf a transaction is being
conducted. A Beneficial Owner can be an individual who finances and/or decides on the material transactions relating to the application/policy.
Do you have a Beneficial Owner ? Yes No If YES, please accomplish Supplementary Form for Beneficial Owner.

CONTINGENT OWNER
A Contingent Owner is an individual who shall take over the policy if the Policy Owner passes away before the Insured individual
does. (optional)
3A. LAST NAME FIRST NAME MIDDLE NAME
B. DATE OF BIRTH (DD/MM/YYYY) C. CONTACT NUMBER (Mobile/Landline) D. RELATIONSHIP TO PROPOSED INSURED
/ /
INSURANCE PRODUCT INFORMATION

4A. INSURANCE PLAN NAME B. PAYMENT PERIOD (no.of years to pay) C. AMOUNT OF COVERAGE
Life Ready Plus Regular-Pay 800,000
D. SUPPLEMENTARY BENEFITS
AMOUNT OF COVERAGE AMOUNT OF COVERAGE

ACCIDENT COVERAGE HOSPITALIZATION
Accident & Health 800,000 Hospital Confinement

Benefit (HCB) - Daily
Hospital Income
Medical Reimbursement 50,000
Long-term
Weekly Income 2,000 Hospitalization (LTH)
Accidental Death Intensive Care Unit

Benefit (ADB) (ICU)
CRITICAL ILLNESS Outpatient Treatment

COVERAGE Benefit (OTB)
Critical Illness (CI)
Surgical Allowance
Early Stage Critical Benefit (SAB)
Illness (ESCI)
Accelerated Critical OTHERS

Illness (ACI)
Medical Benefit (MB)
WAIVER OF PREMIUMS
Term Insurance (TIR)
Waiver of Premium (WP)
Waiver of Premium Plus (WP+) Others
Waiver of Premium for Critical Illness (WPCI)
Payor’s Benefit Death & Disability (PBDD)
PREMIUM PAYMENT DETAILS

5A. CURRENCY B. PREMIUM D. METHOD OF PAYMENT
PHP Single Over-the-Counter Type of Account: Savings Current

Bank and Branch
USD Regular Express Online
BPI - Greenbelt 5
Auto-Credit
C. MODE OF PAYMENT Arrangement Acct. Number/Credit Card No.
Annual Quarterly
Auto-Debit 1579295909
Semi-Annual Monthly Arrangement
Expiry (MM/YYYY)
E. WORKSITE BUSINESS (if applicable)
Account No. Miscellaneous Salary allotment Other
Employee No. Non-salary allotment

POLICY OPTIONS
6A. DIVIDEND OPTION (if applicable)

If participating policy, dividends are to be:
Paid in Cash Used to buy Paid-Up Insurance Used to reduce Premiums Left to accumulate at interest
Note: If no choice is made, Dividends will be left with the Company to accumulate at interest.
B. NON-FORFEITURE OPTION (if applicable)

Please select an option to be applied if premium is unpaid on expiry of grace period:
Extended Term Insurance Reduced Paid-Up Insurance Automatic Premium Loan Cash Surrender Value
NOTE: a. Dividends left with the Company, if any, will form part of the cash surrender value.
b. If no choice is made, the default option in the policy contract will apply.
c. All options are subject to the provisions of the policy contract.
EXTENDED TERM INSURANCE: This Policy may be continued without further premiums as Extended Term Insurance. The amount of the
insurance shall be the Face Amount of this Policy plus any accumulated dividends less any loan. The period of the insurance shall be what the
Cash Surrender Value will buy when applied as a single premium at the then attained age of the Insured.
REDUCED PAID-UP INSURANCE: This Policy may be continued without further premiums at a reduced amount payable at the same time and
under the same conditions as this Policy. The amount of insurance shall be what the Cash Surrender Value will buy when applied as a single
premium at the then attained age of the Insured.
AUTOMATIC PREMIUM LOAN: Any premium due remaining unpaid at the end of the grace period is automatically paid as a Policy Loan.
This loan will be charged interest at the rate approved by the Insurance Commission. All loans and their interest are deducted automatically
from any amount payable by the Company under this Policy. This Policy automatically terminates anytime the loan under this Policy exceeds
the Cash Surrender Value.
CASH SURRENDER VALUE: You may surrender this Policy for its Cash Surrender Value which is the total of the guaranteed cash values and
any accumulated dividends less any loan. Choosing this option will terminate the Policy.
C. BENEFIT PAY-OUT DETAILS

Select the type of benefit pay-out from the two options below:
Pick Up Anywhere (PUA)
Claim at any BPI or BPI Family Savings Bank even if you are not a BPI account holder. Please provide the mobile number where the
Reference Code for claiming will be sent.
Mobile Number:
Credit to Account (CTA)

Get your benefit credited to your BPI or BPI Family Savings bank account. Please provide your bank of choice, account name, and
account number.
Bank: BPI
Acct. Name: Greenbelt 5 Acct. Number: 1579295909
BENEFICIARIES
7A. PRIMARY BENEFICIARIES

Primary Beneficiaries are the first in line to receive the death benefits. Check “Irrev” to designate a beneficiary as an Irrevocable Beneficiary,
otherwise, a Beneficiary shall be Primary and Revocable. Assign a percentage share in the benefits for each of the designated beneficiaries.
Sum of percentages should equal 100%. In the absence of specific percentage, all beneficiaries shall have equal shares. If space for
beneficiaries is not sufficient, please accomplish Addendum to Application for Policy to be signed by the Owner. If Minor and Irrevocable,
please submit an Acknowledgement of Understanding for Irrevocable Beneficiary Designation of Minors form.
1. Last Name First Name Middle Name

Teves Jayson Nico Seares
Sex Male Female Gender Male Date of Birth (DD/MM/YYYY) 13 / 09 / 1992
Place of Birth
Honorific Mr. Miss Mrs. Others MANILA
(Town/City, Country)
Dr. Atty. Engr. Country of Citizenship Philippines

BENEFICIARIES
Relationship to Country of Nationality Philippines

Proposed Insured Brother
Residence Address (Same as: Proposed Insured Owner)

House No./Building/Village, Street, and Barangay
Ph6 B4 L23 Camella Provence L
District City/Municipality Province Country

MALOLOS BULACAN Philippines
Mobile Number Email

0906-3729768 jmteves731@gmail.com
Address
Home Number
Occupation CARETAKER
Office Number
Specific Duties LOCAL
Preferred Contact No.: Mobile Home Office
CONTACT NUMBER - INTERNATIONAL Name of Company

Please provide either mobile or landline number in the following format:
+44XXX-XXX-XXXX (Mobile) or +442-528-2000 (Landline) Private house
Mobile Landline Nature of Business
+ GENERAL
Irrev Share 33.34 %

Dixon Estrella Teves
Sex Male Female Gender Female Date of Birth (DD/MM/YYYY) 23 / 02 / 1963
Place of Birth
Dr. Atty. Engr.
Country of Citizenship Philippines
Relationship to Country of Nationality Philippines

Auntie - 1
Proposed Insured


Email
Mobile Number 0906-3729768 jmteves731@gmail.com
Address
Home Number
Occupation BAKER
Office Number
Specific Duties All around

+44XXX-XXX-XXXX (Mobile) or +442-528-2000 (Landline) Bake House Ltd
+ BAKERY SHOP/FACTORY
Irrev Share 33.33 %

BENEFICIARIES
Teves Noel Jimenez
Sex Male Female Gender Male Date of Birth (DD/MM/YYYY) 25 / 12 / 1958
Place of Birth
Dr. Atty. Engr.
Country of Citizenship Philippines
Relationship to Country of Nationality

Father Philippines
Proposed Insured

Mobile Number Email

0906-3729768 jmteves731@gmail.com
Address
Home Number
Occupation RETIREE
Office Number
Specific Duties

+44XXX-XXX-XXXX (Mobile) or +442-528-2000 (Landline)
+ GENERAL
Irrev Share 33.33 %

Sex Male Female Gender Date of Birth (DD/MM/YYYY) / /

Place of Birth
Honorific Mr. Miss Mrs. Others
Dr. Atty. Engr.
Country of Citizenship

Proposed Insured

Mobile Number Email

Address
Home Number
Occupation
Office Number Specific Duties

BENEFICIARIES

+
Irrev Share % / 100%
B. TRUSTEE FOR MINOR BENEFICIARIES

A Trustee is an individual who shall administer the benefits realized from the policy as deemed necessary for the best interest of the
beneficiaries during their minority.
Last Name First Name Middle Name
Relationship of Trustee Contact Number

to Minor Beneficiary (Mobile/Landline)
C. CONTINGENT BENEFICIARIES
A Contingent Beneficiary will only be able to claim if there are no surviving or qualified Primary Beneficiaries.

Place of Birth
Honorific Mr. Miss Mrs. Others (Town/City, Country)
Dr. Atty. Engr.


Proposed Insured

Email
Mobile Number Address
Home Number
Occupation
Office Number
Specific Duties

+
Irrev Share %
%

BENEFICIARIES
Place of Birth
Honorific Mr. Miss Mrs. Others
Dr. Atty. Engr.

Proposed Insured

Mobile Number Email

Address
Home Number
Occupation
Office Number
Specific Duties

+
Irrev Share % / 100%
DECLARATION REGARDING THE PROPOSED INSURED / OWNER
NON-MEDICAL INFORMATION
To be filled out by Payor/Owner if Payor's Benefit or insurance coverage for named Owner is applied for.
PROPOSED
INSURED OWNER DETAILS TO YES ANSWER
(INDICATE QUESTION NO. FOR
EACH DETAIL)
YES NO YES NO
1. Have you been declined, deferred or accepted at

special terms under a life, accident, medical, critical
illness, disability or other health related insurance? If
YES, please provide details.
2. Do you have any pending application for new

insurance or reinstatement with any insurance
company? If YES, name the company/ies.
3. Have you engaged in motor sports, parachuting,

underwater diving, aviation or other extreme sports?
4. Are you or any of your relatives (spouse, partner,

parent, child, spouse or partner of child, siblings,
grand parent, grand child) a former or current
government official (local or foreign) or an individual
entrusted with a prominent public position in an
international organization?


PROPOSED
EACH DETAIL)
YES NO YES NO
5. Are you or any of your relatives (spouse, partner,

parent, child, spouse or partner of child, siblings,
grand parent, grand child) closely associated with a
former or current government official (local or foreign)
or with an individual entrusted with a prominent
public position in an international organization?
6. Have you ever been convicted of any criminal

offence ?
MEDICAL INFORMATION
Applicable to client(s) who did not undergo medical examination. If client has undergone
medical examination, please provide DATE OF MEDICAL EXAMINATION on the space provided / /
and proceed to the next section: (DD/MM/YYYY)
7. Do you plan to attend, or are you currently attending

or have attended in the last 5 years any hospital,
clinic or doctor for laboratory or diagnostic test such
as x-ray, ultrasonogram, blood tests, CT Scan,
biopsy, ECG, urine or other investigations other than
for routine employment purpose?
8. Have you taken habit-forming drugs or narcotics, or

consumed alcohol or smoked cigarettes regularly? If
YES, please specify and indicate amount/portions,
frequency and duration/length of time.
9. Have you had, or been diagnosed, or

treated for:
a. Any nervous or mental disorder including

epilepsy, fits, stroke, paralysis, weakness of
limbs, loss of balance, prolonged headache,
unconsciousness, nervous breakdown,
depression, schizophrenia, developmental delay,
autism, down syndrome or any other
psychological, emotional, brain or nervous
disorders?
b. Any endocrine or metabolic disorder

including diabetes or thyroid disorders?
c. Any eye, ear, nose or throat disorder

including ear or nose discharge or bleeding,
double vision, impaired sight, hearing, or speech
or any other related disorders?
d. Any respiratory disorder including asthma,

persistent cough, coughing with blood,
pneumonia, tuberculosis, chest or breathing
complaints/discomfort or any other lung
disorders?
e. Any heart/circulatory disorder including

chest pain, heart attack, heart murmur, high
blood pressure, stroke, transient ischemic
attack (TIA), aneurysm, irregular pulse,
peripheral vascular disease or any other
disorder of the heart or blood vessels?


PROPOSED
EACH DETAIL)
YES NO YES NO
f. Any gastrointestinal disorder including

jaundice, hepatitis B or any form of hepatitis,
cirrhosis, Crohn’s disease, gastritis, stomach or
duodenal ulcer, ulcerative colitis, blood in stools,
fistula, piles or any other disorder of the
gallbladder, pancreas, liver, stomach or bowel?
g. Any genitourinary disorder including blood,

protein or sugar in urine, kidney stones,
infection or any other disorders of the kidney,
bladder or genital organs?
h. Any muscular or joint disorder including back

pain, slipped disc, gout, arthritis, pain or
deformity or disorders of the muscles, spine,
limbs or joints or severe injury?
i. Any tumors or cancer including skin cancer,

leukemia, cancer in situ, ulcerated moles or
chronic lesions?
j. Any blood related disease including anemia,

bleeding disorder or hemophilia?
10. Have you been tested for or has anyone ever

recommended that you be tested for exposure to
HIV (AIDS)?
11. Have you been treated for or had any indication of

AIDS, HIV infection or any sexually transmitted
disease or disorder of the immune system?
12. Present Height ft cm 5'2"
13. Present Weight lb kg 103.62
14. Was there any weight change of 5 kg (11 lbs) or

more in the last 12 months? If YES, how much and
state the reason.
15. Have any of your natural parents, brothers or sisters

died, been diagnosed with or suffered from cancer,
heart disease, stroke, high blood pressure,
diabetes, polycystic kidney disease (PKD), renal
disease (other than PKD), mental disorder, hepatitis
(or is a hepatitis B carrier), or any hereditary
disease? If YES, please provide details of age(s),
relationship and cause of death or condition(s) in
the space provided. For cancer coverage, please
indicate the specific cancer type and sites including
your family member’s age at the onset of cancer.


PROPOSED
EACH DETAIL)
YES NO YES NO
16. If female:
a. Have you had any unusual bleeding or
abnormality in menstruation, or any
complication during pregnancy or childbirth?
b. Are you pregnant? If YES, indicate how many

months.
DECLARATION ON THE PROPOSED REPLACEMENT OF EXISTING POLICY/IES

As required by Insurance Commission Circular Letter No. 1-2002
PART I. (To be answered by the INSURED/OWNER) YES NO

1. DOES THE PROPOSED INSURED/OWNER HAVE ANY LIFE, ACCIDENT, OR HEALTH INSURANCE
IN FORCE? If YES, give details below.
Insurance Basic Cover/ Accident Rider/ Effective Date

Company Plan Name Face Amount Year of Issue (DD/MM/YYYY)
PROPOSED
INSURED
OWNER
YES NO
2. IS THIS APPLICATION A REPLACEMENT OF ANY EXISTING INSURANCE IN FORCE?
3. WILL PREMIUMS FOR THE INSURANCE APPLIED FOR BE PAID BY A POLICY LOAN/ SURRENDER/
PARTIAL WITHDRAWAL/FULL REDEMPTION FROM ANY POLICY EXISTING/ED IN THE LAST 365
DAYS? If YES to either number 2 or 3 above, please furnish details below.
Amount of Insurance
Insurance Company Plan Name Policy Number being replaced
PROPOSED
INSURED
OWNER
REMINDER FROM THE INSURANCE COMMISSION ON REPLACEMENT OF POLICIES:

IT IS USUALLY DISADVANTAGEOUS TO REPLACE AN EXISTING LIFE INSURANCE POLICY(IES) WITH A NEW ONE. SOME
DISADVANTAGES ARE: A) the life to be insured may not be insurable on standard terms; B) the applicant may have to pay a higher premium in
view of higher age and C) the applicant may lose financial benefits accumulated over the years. Please note that in your own interest, we would
advise that you consult your present insurer before making a final decision. Hear from both sides and make a careful comparison. After this, you
can then be sure that you are making a decision that is in your best interest.
I confirm that I am aware of the disadvantages of replacing my

existing/old policy with a new one and have decided to proceed
with / maintain the new policy and I further certify that I understand
the nature of this change and hereby affix my signature.
SIGNATURE OF OWNER
PART II. (To be answered by the BANCASSURANCE SALES EXECUTIVE/AUTHORIZED INTERMEDIARY) YES NO
1. IS THIS APPLICATION A REPLACEMENT OF ANY EXISTING INSURANCE IN FORCE?
2. WILL PREMIUMS FOR THE INSURANCE APPLIED FOR BE PAID BY A POLICY LOAN/
SURRENDER/PARTIAL WITHDRAWAL/ FULL REDEMPTION FROM ANY POLICY EXISTING/ED
IN THE LAST 365 DAYS? If YES to either question 1 or 2 above, applicant should furnish details on
the space provided above.

OTHER SPECIAL INSTRUCTIONS

To be answered by PROPOSED INSURED/OWNER:
Request to save age
Requested effective date
Others
POLICY CONTRACT AND CORRESPONDENCES DELIVERY
You will receive your policy contract and other correspondences in electronic format via our ePlan customer portal, email, and/or SMS.
If you would like to receive a hard copy of your policy contract, you may submit a request through our contact center, through your
Bancassurance Sales Executive or by emailing us at BPIAIA.CustomerService@aia.com. Kindly note that the cost of printing will be
charged to you accordingly. You may also choose to print it from the ePlan customer portal at your own convenience.
NOTE: You will be receiving a welcome email with details on your ePlan customer portal access.
DECLARATION AND AGREEMENT
1. I/We hereby confirm that all statements and answers contained in this application and in any addendum or amendment attached to it, as well
as those made to the medical examiner in Part II of this application (if applicable) are true and complete and bind all parties in interest under
the policy applied for. I/We hereby acknowledge and warrant that I/we have acquired the consent of all parties pertinent to this transaction to
disclose their information for the proper administration and provision of services requested from this transaction.
2. There shall be no contract of insurance under this application unless and until during the lifetime and good health of the Proposed Insured and
Owner, if also applying for insurance (i) the policy is issued, delivered to, and received by the Proposed Insured or Owner and (ii) the first
premium for the basic life insurance and any supplementary benefits applied for is actually paid. However, if deposit is paid at the time of
signing the application and the conditional binding certificate is detached from this application form, the terms, conditions and limitations
contained in the conditional binding certificate shall apply.
3. No information conveyed to or acquired by any representative of BPI AIA Life Assurance Corporation (the “Company”) shall be binding unless
stated in writing in the application, addendum or amendment.
4. Article 1250 of the New Civil Code (R.A. 386) shall not apply to any payment made or to be made by either party to any contract of insurance
which shall be issued pursuant to this application.
5. DATA PRIVACY NOTICE. The Company values your privacy and abides by the Principles of Transparency, Legitimate Purpose and
Proportionality enshrined in the Philippine Data Privacy Act of 2012.
Accordingly, the Company processes, using any medium, any information pertaining to this application or insurance policy and all submitted
documents, to provide our insurance and investment products and services. The information and documents are also disclosed to the
Company’s affiliations (including but not limited to any of its subsidiaries/affiliates in the Asia Pacific Region), its Brokers, Agents, and their
employees and staff and to accredited/affiliated third parties or independent/non-affiliated third parties, whether local or foreign. The
Company will upload your medical information to a Medical Information Database accessible to life insurance companies for the purpose of
enhancing risk assessment and preventing fraud. Once uploaded, all life insurance companies will only have limited access to the said
medical information in order to protect your right to privacy in accordance with law. A copy of Circular Letter No. 2016-54 may be accessed at
the Insurance Commission’s website at www.insurance.gov.ph.
Your information and documents are retained by the Company (a) from execution until seven (7) years after termination of your policy, for
hard documents in paper form, and (b) from execution until ten (10) years after termination of your policy, for documents in electronic form;
but in no case shorter than may be required by appropriate orders and regulations. Your information will be deleted/destroyed after this
period.
The Company will use such information in the insurance policy and all related documents to conduct automated processing, data analytics,
profiling, historical research (a) to improve the Company’s internal systems and processes, (b) for actuarial assumptions, (c) in internal and
external company reports, and (d) to develop and implement business strategies.
6. DATA PRIVACY CONSENT

I/we agree for the Company to use the information in the insurance policy and all related documents in the design and communication
of the Company’s marketing campaigns and offers in order to improve the quality of service the Company provides, and to receive such
marketing campaigns. I/we agree to share the information in the insurance policy with third parties for marketing campaigns.

I/we agree for the Company to use such information for profiling to develop, enhance and offer me/us financial services and products
that the Company considers as suitable for my/our insurance and other financial needs.
I/we may at anytime withdraw my/our consent by calling 02 8528-5501, or by emailing the request to dpo@aia.com. Upon receipt of such
withdrawal of consent, the Company will no longer approach me/us for promotions or products that may be suited to my/our insurance
needs. I/We am/are assured that this will not affect the Company's ability to provide quality service in relation to my/our existing policies.
Please visit the Company's website, www.bpi-aia.com.ph for our Privacy Statement, which provides further details on why your personal
data is collected, how it is intended to be used, to whom your personal data may be transferred to, how to access, review and amend your
personal data, and our policies on direct marketing.
7. I/We hereby hold free and harmless and undertake to indemnify the Company for any complaint, suit, damages and the like which any party
may file or claim against the Company in relation to this acknowledgement and warranty.
8. I/We hereby hold the Company and its affiliated companies, local or foreign, free and harmless from any claims, loss, liability and costs
incurred as a result of dissemination of personal information through these facilities.
9. If the plan of insurance is participating and the Owner chose to leave dividends with the Company under Question 6-A, the Owner authorizes
the Company to use such dividends as part of the Cash Surrender Value that the Owner may borrow against under the terms of the Policy or
that may be applied in accordance with the answer to Question 6-B. The Owner may also withdraw such dividends provided the dividends
have not been used to effect Reduced Paid-Up or Extended Term Insurance.
10. Any bonuses, cash dividends or other non-guaranteed benefits projected in any Sales Illustration/s shown to me/us by the Bancassurance
Sales Executive or Authorized Intermediary or the Company prior to or at the same time of the signing of this application form are subject to
change and are not guaranteed by the Bancassurance Sales Executive or Authorized Intermediary or the Company.
11. The Company and its affiliates (“the Group”) are subject to and required to or has agreed to, comply with certain legal, regulatory and/or
other requirements in respect of Anti-Money Laundering (“AML”) and Counter Terrorist Financing (“CTF”), Know your Customer (“KYC”) and/
or as set out pursuant to the US Foreign Account Tax Compliance Act (“FATCA”) as well as other laws and regulations which now or which
may in the future come into effect. As such, I/we provide our express consent that the Company shall have the right to provide such personal
data and information to any governmental authorities, regulatory bodies and/or any other person(s), both local and foreign, in respect of the
Reporting Requirements including the United States Internal Revenue Service. I/We understand that such disclosures may involve the cross
border transfer of personal data outside the jurisdiction and that such disclosures may be with respect to i) the personal data of the Owner,
the Contingent Owner, the Insured, and the Beneficiaries (“the Parties”), or any of them; ii) any information relating to this Policy; and iii) any
information relating to any other policies held by the Parties or any of them. I/We understand that the Company will not be able to sell any
insurance product to me/us and provide any service if I/we refuse to give the said express consent.
12. FOR ACCOUNT HOLDERS WHO HAVE OR MAY HAVE US INDICIA. For the purposes of the below paragraph, a person with U.S. Indicia
refers to a person who: (i) is a U.S. person for U.S. federal income tax purposes; or (ii) as a result of a change in tax status becomes a U.S.
person; or (iii) has indicated through information provided to the Company that the person may be in fact a U.S. person for U.S. federal
income tax purposes (including for example a U.S. address, a U.S. telephone number, a TIN etc). The term “US Indicia” as used below
refers to any one of the three circumstances described in (i) to (iii) above.
I/We acknowledge and agree that in the event I/we have U.S. Indicia and fail or refuse after request to provide such information, consent,
and/or assistance as the Company may from time to time reasonably require to allow it to comply with its contractual, legal and/or regulatory
obligations under the United States Foreign Account Tax Compliance Act, including any required reporting to the Internal Revenue Service of
information relating to me/us or Beneficiaries in connection with this Policy/Policies, the Company reserves the right and shall be entitled to
cancel or terminate this Policy/Policies (subject to Sections 48 and 233(b) of the Insurance Code) and return all premiums paid in
consideration of such termination.
13. I/We hereby declare and agree that, by purchasing this Policy and signing below, I/we represent that I/we are not a “US person” for US
federal income tax purposes and that I/we are not acting for, or on behalf of, a US person. I/We understand that the Company believing this
statement to be true, will rely on it and act on it. In the event this statement is false, the Company reserves the right and shall be entitled to
cancel this Policy (subject to Sections 48 and 233 (b) of the Insurance Code) and return all paid premiums to me/us in consideration of such
termination. If my/our tax status changes and I/we become a US Person, we must notify the Company within 30 days. (This clause

is not applicable to US Citizens or residents who must complete IRS Form W-9). A false statement or misrepresentation of tax status by a US
person could lead to penalties under US law. I/We undertake to advise the Company of any change in circumstances which affects my/our
tax residency status within 30 days of such change.
14. I/We hereby authorize any person, organization, or entity that has any record or knowledge of my/our health to give to the Company any and
all information relative to any hospitalization, consultation, treatment or any other medical advice or examination. This authorization is in
connection with the application for insurance and all claims arising therefrom. A photographic copy of this authorization shall be as valid as
the original.
15. I/We hereby agree and understand that, pursuant to the Credit Information System Act and its implementing rules, all insurance companies
are required to submit and disclose to the Credit Information Corporation and entities authorized under the law basic credit data including
updates/corrections thereof relating to any loan or credit facility obtained from the Company.
16. Unless and until I/we formally withdraw my/our consent, I/we will receive the policy, endorsement, rider, statements of accounts, and other
related documents in electronic form (“electronic documents”) via electronic mail (“e-mail”) in the e-mail address that I/we provided in this
application. Said electronic documents will be delivered via e-mail containing an encrypted electronic document, or an e-mail containing a
link to the Company’s customer portal.
My/our electronic consent to the use of electronic documents is legally binding, and all documents delivered electronically are considered to
be in writing. I/we agree that any electronic document or link, including any attachments therein, sent to the e-mail address provided by me/
us in this application, is deemed to have been received by me/us on the date of receipt indicated in the proof received by the Company that
the electronic document was delivered to me/us, and I/we are considered to have been formally notified of any message, information, right,
obligation, or matter contained therein. I/we may request to obtain a copy of the policy, endorsement, rider, and other related documents in
paper form at a cost as the Company may determine by (i) printing it myself/ourselves from the Company’s customer portal, (ii) calling the
Company’s contact center, (iii) visiting a branch, or (iv) e-mailing my/our request to BPIAIA.CustomerService@aia.com. The Company will
send the requested documents through my/our servicing agent or by courier to the home or business address indicated in my/our account.
I/we accept the responsibility to ensure that my/our e-mail address on record is active and up-to-date. I/We are responsible for accessing and
reading the electronic documents. The Company is not responsible for my/our failure to comply, failure to access, or any technical failure or
other problems with my/our equipment, or any delay in transmission, or any occurrence beyond the Company’s reasonable control. The
Company has the right to refuse an electronic transaction when it reasonably believes there is any unauthorized and/or unusual activity.
17. FOR INDIVIDUAL CLIENT: I/We undertake to advise the Company of any changes in my personal/ Know Your Customer “KYC” information
within 30 days of such change. FOR JURIDICAL CLIENT: I/We undertake to advise the Company of any changes on the Juridical
information/ KYC information or change of ownership control structure, as well as the authority and identification of all persons purporting to
act on behalf of the company within 30 days of such change.
18. I/We agree to be bound by obligations set out in relevant United Nations Security Council Resolutions relating to the prevention and
suppression of financing of weapons of mass destruction, including the freezing and unfreezing actions and prohibitions from conducting
transactions with designated persons and entities.
I/We understand that the Company may prohibit transactions, terminate or consider void this Policy, at any time, effective from its issuance
or otherwise, in the event I/we or any person or entity connected with this Policy, in the opinion of the Company, may have or have exposed
the Company to the risk of being or becoming subject to any sanction, prohibition or restriction under the trade or economic sanctions, laws
or regulations of the European Union, United Kingdom or United States of America, or any other applicable economic or trade sanction laws
or regulations. The same shall apply in the event of our refusal to comply with the Customer Due Diligence (CDD) requirements which the
Company is mandated to perform under the Anti-Money Laundering Act and relevant regulations.
19. I/We acknowledge and agree that if found to be repeatedly abusing certain facilities (e.g. policy loans, assignments etc.) in a manner that
gives rise to suspicion of Money Laundering and Terrorist Financing (ML/TF) the Company reserves the right and shall be entitled to cancel
or terminate this Policy/Policies.
20. The Company reserves the right to terminate and/or change the foregoing. I/we understand that the Company will provide me/us with notice
of any such termination or change.
Signed at QUEZON CITY this 20th day of February , 2023 .

(TOWN/CITY, COUNTRY) (DAY) (MONTH) (YEAR)

KINDLY AFFIX YOUR SIGNATURE/S ON THE THREE SPACES BELOW.
(1) (1)
20/02/2023 14:51:25 20/02/2023 14:51:58
(2) (2)
20/02/2023 14:51:31 20/02/2023 14:52:05
(3) (3)
20/02/2023 14:51:43 20/02/2023 14:52:13
NAME AND SIGNATURE OF THE
SIGNATURE OF SIGNATURE OF OWNER PROPOSED INSURED’S LEGAL GUARDIAN
PROPOSED INSURED (if other than the Proposed Insured) (if other than the Owner)
Witnessed by soliciting BANCASSURANCE SALES EXECUTIVE/AUTHORIZED INTERMEDIARY:

I/We certify that I/We saw the Proposed Insured (and Owner, if applicable) during the application and affix his/her signature onto the application
form. I/We have seen and examined the original Identification Documents (ID) and have compared the same with the copies attached to the
application. I/We hereby confirm that the applicant’s ID number/s is/are accurately represented in the application form and the copies are true
and correct copies of the original ID/s presented. I/We furthermore certify that I/we, to the best of my/our knowledge and belief, have verified the
truthfulness of all information stated herein by the Proposed Insured (and Owner, if applicable).
1) BSE/AUTHORIZED INTERMEDIARY’S NAME BSE/AUTHORIZED INTERMEDIARY’S

(Last Name, First Name, Middle Name) SIGNATURE
CUACHIN, SARAH JEAN
Code 090072451
20/02/2023 14:52:20
2) AUTHORIZED REFERRER’S NAME (Last Name, First Name, Middle Name) MARKET SEGMENT
TORRES, MICHELLE, L@ Private Personal
Referrer Number 001671356 Preferred Worksite
Others
3) REFERRING BANK BRANCH
Trinoma North
Branch Code 800009572
CRM Number 000000000000000000 Self-generated
IMPORTANT NOTICE
The acceptance of any policy issued on this application shall be a ratification of any correction in, or in addition to, this application as
stated on the attached ENDORSEMENT AND CHANGES.
FRAUD WARNING
Section 251 of the Insurance Code, as amended, imposes a fine not exceeding twice that amount claimed and/or imprisonment of two (2) years, or
both, at the discretion of the court, to any person who presents or causes to be presented any fraudulent claim for the payment of a loss under a
contract of insurance, and who fraudulently prepares, makes or subscribes any writing with intent to present or use the same, or to allow it to be
presented in support of any claim.
INSURANCE COMMISSION PUBLIC ASSISTANCE AND MEDIATION DIVISION

The Insurance Commission, with offices in Manila, Cebu and Davao, is the government office incharge of the enforcement of all laws related to
insurance and has supervision over insurance companies and intermediaries. It is ready at all times to assist the general public in matters
pertaining to insurance. For any inquiries or complaints, please contact the Public Assistance and Mediation Division (PAMD) of the Insurance
Commission at 1071 United Nations Avenue, Manila with telephone numbers +632-85238461 to 70 and email address
publicassistance@insurance.gov.ph. The official website of the Insurance Commission is www.insurance.gov.ph

RISK PROFILE QUESTIONNAIRE FORM FOR INDIVIDUALS
15/F BPI-Philam Life Makati, 6811 Ayala Ave., Makati City 1226, Philippines
Email: BPIAIA.CustomerService@aia.com
Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
LIFE ASSURANCE CORPORATION
A SUBSIDIARY OF AIA PHILIPPINES AND AN AFFILIATE OF BPI
bplac_csa_6_30
OBJECTIVE:
This Risk Profile Questionnaire (RPQ) is being conducted to help our Bancassurance Sales Executive (BSE) determine the client’s
understanding of and tolerance for various risks related to purchasing a Variable Life Insurance Plan which invests in various
investment funds to be elected by the client based on the result of this questionnaire.
The Bancassurance Sales Executive shall:
1. Consider the appropriateness and suitability of investment recommendations or actions for each client.
2. Make a recommendation only if he reasonably believes that the recommendation is suitable to the client's financial situation,
investment experience, and investment objectives.
PART I. PERSONAL DATA
Name of the Proposed Client (Last, First, Middle): Dixon, Estrella Teves
Date of Birth: 23-02-1963 Place of Birth:
Contact Number/s: E-mail Address:
Nationality:
Permanent Address (No. of Street, Town/ City, Province, Country, Zip Code):
Profession/Business: Name of Company:
Business Address/Contact Number:
What other type/s of investment do you have?

Life Insurance Corporate Bonds
Pre-need Plan Stocks
Government securities Business
Time Deposit Real Estate
Foreign Currency Bank Deposit Commodities/Futures/Options
Common or Private Trust Funds Others pls. specify ________________________________
Mutual Funds
PART II. GENERAL ASSESSMENT

Now that we know you better, we’d like to find out how much risk you’re willing to take financially. Knowing your risk
appetite would help you choose the financial product that best suits you.
Direction: Mark with an X the box that corresponds to the letter of your choice.
1. How much of your monthly income are you willing to invest given your current financial situation?
Very Small (0 – 10%)

Small (11 – 19%)
Medium (20%)
Large (21 – 30%)
Very Large (31% above)
QR-BMKT-RPQ / REVISION 2 / JULY 2021 BPI AIA CUSTOMER CONFIDENTIAL

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
2. How would your close friends describe your attitude towards investing your funds?
You are not the type to invest.

You can invest a small amount of your funds (1-10%).
You can invest a moderate amount of your funds (11-19%).
You can invest a good amount of your funds (20%).
You can invest a large amount of your funds (21%-30%).
You are an aggressive investor and can invest a generous portion of your funds (31% and above).
3. How would you describe your own attitude towards investing your funds?
I am not the type to invest.

I can invest a small amount of my funds (1-10%).
I can invest a moderate amount of my funds (11-19%).
I can invest a good amount of my funds (20%).
I can invest a large amount of my funds (21%-30%).
4. How much time do you spend learning about money and investment?
I’m not interested.

I’m slightly interested in finance topics but rarely read up on them.
I sometimes read financial articles because I find them interesting.
I often read finance-related materials during my free time.
I’m well-read on financial matters can talk about money or investment with confidence.
5. How experienced do you think you are in investments?
No experience.
Not very experienced but I know the definition of investment.
Average experience. I know the definition and I am familiar with some of the investment products.
Experienced. I know the definition and I’m considering to get some investment products.
Very experienced. I know the definition and I have investment products.
6. If you will invest Php 100,000, which scenario will you prefer?
Best Case You Gain = PHP 10,000 (10%), Worse Case You Lose = PHP 0
Best Case You Gain = PHP 40,000 (40%), Worse Case You Lose = PHP 10,000 (10%)
7. If you have PHP 100,000, how much of it are you willing to invest (even if there’s a chance you might not earn from it)?
I will not invest.

10%
20%
30%
50%
More than 50%

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
8. How far have you gone before in investing your funds?
I have never invested my funds.

I have invested a small portion of my funds.
I have invested a good amount of my funds.
I have invested a large amount of my funds.
I have invested a generous amount of my funds.
9. If you were on a TV game show and you had to choose your next step, which one would you go for?
Take home PHP 50,000 in cash.

Go to the next round with a 50% chance at winning PHP 250,000.
Go to the next round with a 25% chance of winning PHP 500,000.
Go to the next round with a 5% chance of winning PHP 5,000,000.
10. In the world of investment, high earnings often come with high risk. How much of your funds are you willing to invest in assets
with high earning potential but high risk?
None
10%
20%
30%
40%
50%
60%
70%
80%
90%
100%
11. Given your current funds, if an emergency happens, how much would you need to withdraw from your investments?
I would need to withdraw a large amount from my investments since I don’t have much savings and other sources
of funds
I may require a moderate amount since I’m still growing my savings and other sources of funds.
I would only require a small amount since I have sufficient savings and other sources of funds.
I wouldn’t depend on my investments for an emergency since I have more than enough savings plus other
sources of funds.
12. Once you start investing, will you need to take a certain amount from your investment to cover your basic needs?
Yes, I would need a significant amount.

I may need a moderate amount.
I would only need a small amount.
I don’t need to take any amount from this investment.

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
13. When you think about your personal finances, do you think you can reduce your current expenses, or do you do something to
increase your source/s of income?
I cannot adjust my regular expenses nor increase my income.

I would find it difficult to reduce my expenses or increase my income.
I can do some adjustments to reduce my expenses or increase my income.
Yes, I can reduce my expenses or increase my income.
PART III. FINANCIAL GOALS
1. What is your primary source of income?
Employment
Business
Remittance
Rental Income
Investment Income
2. What is your average monthly income? PHP _______
3. How much do you spend on monthly household expenses? PHP _______
4. What are your needs?
Family Protection – Put yourself at ease by protecting those you love

Health Protection – Protect yourself from unforeseen medical costs and focus on getting better
Funds Growth – Make the most out of your hard-earned money and let your dreams come to life
Wealth Transfer – Secure your legacy today and ensure your family’s future

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
PART IV. PROFILE SUMMARY
C. RISK PROFILE QUESTIONNAIRE RESULTS – RISK PROFILE

A. RISK TOLERANCE
(for questions # 1-9 only)
28
Total Risk Score : _________ where,
Answer # of Answers x Points = Total Score per Answer

(a) 0 1 0
(b) 2 2 4
(c) 4 3 12
(d) 3 4 12
(e) 0 5 0
(f) 0 6 0
Total Risk Score 28
(for question # 10 only)
3

0% 0 1 0
10% 0 2 0
20% 1 3 3
30% 0 4 0
40% 0 5 0
50% 0 6 0
60% 0 7 0
70% 0 8 0
80% 0 9 0
90% 0 10 0
100% 0 11 0
Total Risk Score 3
Risk Appetite Balanced

: ____________________________
• Less than 20 points Cautious (1) - You have short-term investment goals, and you don’t want to risk
losing your money. You prioritize protecting your capital money over gaining investment
appreciation. Thus, you avoid high risk investments and choose financial products that
are low risk, stable, and do not fluctuate. In line with this, you are also comfortable
accepting lower investment returns.

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
• 21 to 25 points Mildly Cautious (2) - You have investment horizon that usually lasts from 3 to 5 years.
You are willing to accept small degree of volatility and minor negative fluctuations in
your investments. You avoid high risk investments and prefer stable financial products.
With this, you expect to receive stable and minimal investment return as well.
• 26 to 37 points Balanced (3) - You have investment horizon that’s longer than 5 years. You are willing
to allocate your money to both conservative and aggressive financial products. You can
usually accept moderate investment risk and market volatility in exchange for possible
investment returns.
Mildly Adventurous (4) - You have the investment horizon that’s longer than 10 years.
• 38 to 44 points You accept higher market risk and volatility and at the same time, value high and long-
term investment gains. You can endure large, temporary losses when it comes to your
investment in favor of long-term and high returns. You are knowledgeable and have
prior investment experience. You have substantial income and savings and are willing
to wait longer to reach your investment goals.
Adventurous (5) - You have investment horizon that’s more than 10 or 15 years. Your
• More than 45 points main goal is to gain the highest investment returns. With this, you are willing to accept
extreme market volatility and are open to the risk of losing your money in exchange for
long-term and high investment gains. You are knowledgeable and have prior investment
experience. You also have substantial income and savings and are willing to wait longer
to reach your investment goal.
B. RISK CAPACITY (for questions # 11-13 only)
6

(a) 0 1 0
(b) 3 2 6
(c) 0 3 0
(d) 0 4 0
(e) 0 5 0
Total Risk Score 6
Risk Capacity Moderate

: ____________________________
• Equals to 3 points Low or (1)

• 3 to 4 points Low to Moderate or (2)
• 5 to 8 points Moderate or (3)
• 9 to 10 points Moderate to High or (4)
• 10 to 12 points High or (5)
C. RISK PROFILE (lower between the two)
Risk Profile Balanced

: ____________________________

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
Client Acknowledgement BPI AIA Personnel Acknowledgement

I certify that the responses indicated on this document have We have explained to you in detail and
been made directly by me and represent the best information discussed with you the (1) results of the
about myself. I understand that it shall be used as a guide Risk Profile Questionnaire, (2) basis of
for the Bancassurance Sales Executive (BSE) to present our recommendation, and (3) terms and
and recommend an underlying investment fund/s for my conditions of the recommended investment
Variable Life Insurance Plan suitable for me in light of my fund/s.
investment needs, experience, objective and risk tolerance.
I am aware that the variable life insurance product as well
as the underlying fund/s where it will be invested does not Conducted by :
provide guarantee against losses.
I hereby also agree with the investment profile indicated SARAH JEAN CUACHIN
above and the recommendation of the Bancassurance Sales Bancassurance Sales Executive's Name
Executive (BSE) on the investment fund/s. I have read and
understood the general features of the investment fund/s with
risk classification corresponding to my risk profile, and have
made an informed decision to invest / purchase / place my
Variable Life Insurance Plan premiums net of charges or
consider future investments in these products.
20/02/2023 14:45:49
This is also to confirm that I shall be formally notifying the

Bancassurance Sales Executive should there be any change Bancassurance Sales Executive’s Signature
in my risk profile.
20/02/2023
Dixon, Estrella Teves Date
Client's Name Special Instruction:
20/02/2023 14:46:02
Client's Signature
20/02/2023
Date
Notice to clients who elected underlying funds with lower risks: At any time, clients may independently choose in
any one or more of the investment fund/s (maximum of three funds only) falling within or below one’s stated personal
investment risk profile through FUND SWITCHING. All such investments made shall be understood as duly implemented
out of the client’s personal investment preference and/or direction. Any claim, suit, action, loss, damage or expense,
including loss of possible profit, shall be understood to be the result of the client’s decision to switch to fund/s with lower
risks.
Reminder: This Risk Profile Questionnaire (RPQ) shall be subject to review every three (3) years or earlier should
there be any change in your personal / financial circumstance or preferences prior to 3 years.

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Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
INVESTMENT POLICY STATEMENT

This Investment Policy Statement summarizes your risk tolerance, investment objective and investment horizon based
on the information you directly provided us in our assessment session/s.
Risk Profile : Balanced

Investment Objective :
Investment Horizon :
The following summarizes our investment strategy based on the results of your assessment session:
Fund Underlying Fund Mix

Fund Allocation (Bond, Equity, etc)
Total
Other Remarks/Restrictions:
Whenever applicable, stated mixes/percentages of the underlying fund/s refer to the long-term strategic investment
plan for your Variable Life Insurance Product. The portfolio allocation of the underlying fund/s is based on the Fund
Manager’s current assessment of over-all market conditions. Said asset allocation may change from time to time
depending on the prevailing and anticipated market conditions. More importantly, for full discretion accounts, actual
investment exposure in the different investment funds/products stated are dynamically adjusted depending on the
Fund Manager’s analysis of prevailing market trends. Fund performance review shall be provided at least on a
monthly basis if not on a quarterly basis available through our website, www.bpi-aia.com.ph.
ACKNOWLEDGEMENT
I have carefully read and understood this Investment Policy Statement which corresponds to my preferred investment
fund/s to be the underlying investment vehicle for my variable life insurance product. I understand that since the fund
performance may vary, the values of my units are not guaranteed and will depend on the actual investment performance
at a given period and that the value of my policy could be less than the capital I invested. I agree with the investment
profile and the recommendation of the Bancassurance Sales Executive on the investment fund/s suitable for my needs,
objectives, experience and risk tolerance. I have made an informed decision to choose such fund/s after having read and
understood its general features.
Sign__01
Dixon, Estrella Teves 20/02/2023
Client's Name Client's Signature Date Signed

We have explained to you in detail and discussed with you the results of the Risk Profile Questionnairea, the basis of our
recommendation, and the terms and conditions of the investment outlet you have chosen.
Conducted by: Special Instruction:
SARAH JEAN CUACHIN

Bancassurance Sales Bancassurance Sales
Executive's Name Executive’s Signature

Page 8 of 12
Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
RISK DISCLOSURE STATEMENT
Prior to purchasing a variable life insurance plan, BPI AIA Life Assurance Corporation is hereby informing
you of the nature of the underlying Investment Funds and the risks involved in investing therein. As
investments generally carry different degrees of risk, it is necessary that before you make any investment,
you should have:
1. fully understood the nature of the investment in any of the Investment Funds and the extent of your
exposure to risks
2. read this Risk Disclosure Statement completely; and
3. independently determined that the investment in any of the Investment Funds is appropriate for you
Enumerated and defined below are the various risks you are normally exposed in investing depending on
the type of underlying assets of the portfolio. Investment Funds do not provide guaranteed returns and are
not covered by the Philippine Deposit Insurance Corporation (PDIC).
Specifically for Investment Funds, there are risks involved in investing because the value of your investment
is based on the Net Asset Value per Unit (NAVPU) of the Fund which uses a marked-to-market valuation
and therefore may fluctuate daily. The NAVPU is computed by dividing the Net Asset Value (NAV) of the
Fund by the number of outstanding units. The NAV is derived from the summation of the market value of
the underlying securities of the Fund plus accrued interest income less liabilities and qualified expenses.
INVESTMENT IN THE INVESTMENT FUNDS DOES NOT PROVIDE GUARANTEED RETURNS EVEN
IF INVESTED IN GOVERNMENT SECURITIES AND HIGH-GRADE PRIME INVESTMENT OUTLETS.
YOUR PRINCIPAL AND EARNINGS FROM INVESTMENT IN THE FUND CAN BE LOST IN WHOLE OR
IN PART.
Your investment in any of the funds exposes you to the various types of risks enumerated and
defined hereunder. THIS LIST IS NOT EXHAUSTIVE:
Interest Rate Risk - This is the possibility for an investor to experience losses due to changes in interest
rates. The purchase and sale of a debt instrument may result in profit or loss because the value of a debt
instrument changes inversely with prevailing interest rates.
Market/Price Risk - This is the possibility for an investor to experience losses due to changes in market
prices of securities. It is the exposure to the uncertain market value of a portfolio due to price fluctuations.
The value of investments fluctuates over a given period because of general market conditions, economic
changes, or other events that impact large portions of the market such as political events, natural calamities,
etc. As a result, for Investment Funds, the Net Asset Value per Unit (NAVPU) may increase to make profit
or decrease to incur loss.
Liquidity Risk - This is the possibility for an investor to experience losses due to the inability to sell or
convert assets into cash immediately or in instances where conversion to cash is possible but at a loss.
These may be caused by different reasons such as trading in securities with small or few outstanding
issues, absence of buyers, limited buy/sell activity or underdeveloped capital market.
Credit Risk/Default Risk - This is the possibility for an investor to experience losses due to a borrower’s
failure to pay principal and/or interest in a timely manner on instruments such as bonds, loans, or other
forms of security which the borrower issued. This inability of the borrower to make good on its financial
obligations may have resulted from adverse changes in its financial condition, thus, lowering credit quality
of the security, and consequently lowering the price (market/price risk) which contributes to the difficulty in
selling such security. It also includes risk of a counterparty (a party the Fund Manager trades with) defaulting
on a contract to deliver its obligation either in cash or securities.
Reinvestment Risk - This is the risk associated with the possibility of having lower returns or earnings
when maturing funds or the interest earnings of funds are reinvested.

Page 9 of 12
Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
Investors who withdraw/ redeem and realize their gains run the risk of reinvesting their funds in an
alternative investment outlet with lower yields. In case of a foreign-currency denominated Investment Fund
or portfolio or a peso-denominated Investment Fund or portfolio allowed to invest in securities denominated
in currencies other than its base currency, the Fund/Portfolio is also exposed to the following risks:
Foreign Exchange Risk - This is the possibility for an investor to experience losses due to fluctuations in
foreign exchange rates. The exchange rates depend upon a variety of global and local factors, e.g. interest
rates, economic performance, and political developments.
It is the risk of the Fund/Portfolio to currency fluctuations when the value of investments in securities
denominated in currencies other than the base currency of the Fund/Portfolio depreciates. Conversely, it is
the risk of the Fund/Portfolio to lose value when the base currency of the Fund/Portfolio appreciates. For
Investment Funds, the net asset value per unit (NAVPU) of a peso-denominated Fund invested in foreign
currency-denominated securities may decrease to incur loss when the peso appreciates.
Country Risk - This is the possibility for an investor to experience losses arising from investments
in securities issued by/in foreign countries due to the political, economic and social structures of such
countries. There are risks in foreign investments due to the possible internal and external conflicts, currency
devaluations, foreign ownership limitations and tax increases of the foreign country involved which are
difficult to predict but must be taken into account in making such investments.
Index Tracking Risk - Investors are exposed to the risk of not being able to achieve a level of return that
matches the index being tracked by the Fund due primarily to operating and fund management expenses.
Related Party Risk - Investors are exposed to actual or potential conflicts of interest in the handling of
related party transactions by the Trustee, specifically, time deposit placements with the Trustee’s own bank
and/ or its subsidiary, purchase of debt and equity securities issued by related parties, as well as the
execution of trade transactions with related counterparties.
Likewise, brokerage commissions and other fees may be higher in foreign securities. Government
supervision and regulation of foreign stock exchanges, currency markets, trading systems and brokers may
be less than those in the Philippines. The procedures and rules governing foreign transactions and custody
of securities may also involve delays in payment, delivery or recovery of investments.
I HAVE COMPLETELY READ AND FULLY UNDERSTOOD THIS RISK DISCLOSURE

STATEMENT AND THE SAME WAS CLEARLY EXPLAINED TO ME BY A BPI AIA
BANCASSURANCE SALES EXECUTIVE BEFORE I AFFIXED MY SIGNATURES HEREIN. I
HEREBY VOLUNTARILY AND WILLINGLY AGREE TO COMPLY WITH ANY AND ALL LAWS,
REGULATIONS, TERMS AND CONDITIONS GOVERNING MY INVESTMENT IN SUCH FUND/
S AS AN UNDERLYING INVESTMENT VEHICLE FOR MY VARIABLE LIFE INSURANCE PLAN.
Dixon, Estrella Teves 20/02/2023

20/02/2023 14:46:32
Client's Name Client's Signature Date

We acknowledge that we have (1) advised the client to read this Risk Disclosure Statement, (2) encouraged the client to
ask questions on matters contained in this Risk Disclosure Statement, and (3) fully explained the same to the client.
Conducted by: Special Instruction:
SARAH JEAN CUACHIN

20/02/2023 14:46:11
Bancassurance Sales Bancassurance Sales

Executive's Name Executive’s Signature

Page 10 of 12
Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
BPI AIA LIFE VARIABLE LIFE INSURANCE PRODUCTS INVESTMENT FUNDS
The following list of investment funds are available to BPI AIA Variable Life Insurance Plans. The list of available
funds varies per variable life insurance product and subject to availability upon product availment. The Fund Fact
Sheet (FFS) and monthly performance report of these funds as the underlying investment vehicle of your Variable Life
Insurance Plan and other fund information including Net Asset Value per Unit (NAVPU) can be viewed in our
company website, www.bpi-aia.com.ph.
PESO INVESTMENT FUNDS:
• The BPI AIA Peso Bond Fund invests primarily in the ALFM Peso Bond Fund, Inc. (ALFM Peso), an
investment company duly registered with the Securities and Exchange Commission (SEC). The ALFM Peso
Bond Fund provides moderately conservative investors with a steady stream of income by investing in a
diversified portfolio of high-grade, peso-denominated fixed income instruments.
• The BPI AIA Growth Fund invests primarily in the ALFM Growth Fund, Inc. (ALFM Growth), an investment
company duly registered with the Securities and Exchange Commission (SEC). The ALFM Growth Fund
provides aggressive investors with investment returns from a diversified portfolio of equities and fixed
income instruments.
• The BPI AIA Equity Index Fund 2 invests primarily in the BPI Philippine Equity Index Fund, a Unit
Investment Trust Fund (UITF) established under the authority of the Bangko Sentral ng Pilipinas (BSP). The
BPI Philippine Equity Index Fund provides aggressive investors with investment returns that track the
performance of the Philippine Stock Exchange Composite Index (PSEi) by substantially investing in stocks
comprising the PSEi and in the same weights as in the index.
• The BPI AIA Balanced Fund invests primarily in the BPI Balanced Fund, a Unit Investment Trust Fund
(UITF) established under the authority of the Bangko Sentral ng Pilipinas (BSP). The BPI Balanced Fund
provides aggressive investors with long-term capital growth by investing in a diversified portfolio of equity
and fixed income securities. The Fund aims to provide excess return over the composite benchmark, 50%
Philippine Stock Exchange Index (PSEi) and 50% return of the 91-day Philippine Treasury Bill.
• The BPI AIA Philippine High Dividend Equity Fund invests primarily in the BPI Philippine High Dividend
Equity Fund, a Unit Investment Trust Fund (UITF) established under the authority of the Bangko Sentral ng
Pilipinas (BSP). The BPI Philippine High Dividend Equity Fund provides aggressive investors with total
return through a combination of current income and long-term capital appreciation by investing in listed
companies that have high dividend yields or have established a history of dividend payouts. The Fund aims
to provide returns in excess of the return of the Philippine Stock Exchange index (PSEi).
• The BPI AIA Equity Value Fund invests primarily in the BPI Equity Value Fund, a Unit Investment Trust
Fund (UITF) established under the authority of the Bangko Sentral ng Pilipinas (BSP). The BPI Equity
Value Fund provides aggressive investors long term capital growth by investing in equity securities
issued by Philippine domiciled companies which have a value style bias. The Fund aims to provide
returns in excess of the return of the Philippine Stock Exchange Index.
• The BPI AIA Active Allocation Fund is a segregated investment account which provides aggressive
investors with long-term capital and income growth by investing in a diversified portfolio of fixed income and
equity securities. This fund may be invested up to 70% in local equities or up to 70% domestic fixed income
depending on prevailing market conditions.
• The BPI AIA Growth Fund 2 is a segregated investment account which provides aggressive investors with
long-term capital appreciation from a diversified portfolio of equities and fixed income instruments. This fund
shall invest at least 90% of its net assets in equity securities under normal market conditions and aims to
outperform its composite benchmark 90% Philippine Stock Exchange Index (PSEi) and 10% return of the 91day
Philippine Treasury Bill.
• The BPI AIA US Equity Fund – Peso Class is a fund The Fund aims to track the total investment return of
the S&P 500 Index, before fees and expenses. Pursuant to existing BSP rules and regulations, this Fund is
mandated to invest at least 90% of its assets in the Target Fund.
DOLLAR INVESTMENT FUNDS:

Page 11 of 12
Hotline No. (02) 8528-5501 ▪ TIN 000-318-213-000
• The BPI AIA U.S. Dollar Bond Fund 2 invests primarily in a segregated investment fund. The fund is
classified as a medium to long-term bond fund for moderately aggressive investors where the fund’s
objective is to achieve a balance of income and capital growth by investing in a diversified portfolio of
fixed income instruments issued by foreign and local entities, such as but not limited to, US dollar-
denominated government securities, corporate notes and bonds, and fixed income funds. This fund will
be managed by Bank of the Philippine Islands through its Asset Management and Trust Corporation
(AMTC).
• The BPI AIA Odyssey Philippine Dollar Bond Fund invests primarily in the Odyssey Philippine Dollar
Bond Fund, a Unit Investment Trust Fund (UITF) established under the authority of the Bangko Sentral ng
Pilipinas (BSP). The fund is classified as a long-term bond fund for aggressive investors where the fund's
objective is to achieve capital appreciation and income growth in U.S. dollar terms by investing in a
diversified portfolio of U.S. dollar-denominated fixed income instruments issued by the Philippine
government, corporations, and financial institutions. It aims to outperform its benchmark which is the JP
Morgan Chase Asia Total Return Philippines Index. This fund will be managed by Bank of the Philippine
Islands through its Asset Management and Trust Corporation (AMTC).
• The BPI AIA Global Equity Fund invests primarily in the BPI Global Equity Fund-of-Funds, a Unit
Investment Trust Fund (UITF) established under the authority of the Bangko Sentral ng Pilipinas (BSP). The
objective of the fund is to achieve long-term capital growth by investing in a diversified portfolio of global
equity collective investment schemes which is suited for aggressive investors. It aims to provide excess
return over the Morgan Stanley Capital International (MSCI) World USD Index. This fund will be managed
by Bank of the Philippine Islands through its Asset Management and Trust Corporation (AMTC).
• The BPI AIA Odyssey Asia Pacific High Dividend Equity Fund invests primarily in the Odyssey Asia
Pacific High Dividend Equity Fund, a Unit Investment Trust Fund (UITF) established under the authority of the
Bangko Sentral ng Pilipinas (BSP). The objective of the fund is to pursue long-term capital appreciation by
investing in a diversified portfolio of attractively priced stocks with high dividend yields in the Asia Pacific
region which is suited for aggressive investors. The fund aims to outperform its benchmark which is the
Morgan Stanley Capital International (MSCI) AC Asia Pacific ex-Japan Total Return Index. This fund will be
managed by Bank of the Philippine Islands through its Asset Management and Trust Corporation (AMTC).
• The BPI AIA Global Bond Fund invests primarily in the iShares Global Aggregate Bond Fund, an
Exchange Traded Fund (ETF) domiciled in Ireland suited for moderately aggressive investors. The objective of
the fund is to provide investors with total return, taking into account both capital and income returns by
investing in a diversified portfolio of global investment-grade fixed income instruments such government,
government-related, corporate and securitized bonds. The fund aims to track the performance of its benchmark
which is the Bloomberg Barclays Global Aggregate Bond Index. This fund will be managed by Bank of the
Philippine Islands through its Asset Management and Trust Corporation (AMTC).
• The BPI AIA US Equity Fund invests primarily in the iShares Core S&P 500 Fund, an Exchange Traded
Fund (ETF) domiciled in Ireland. The fund is suited for aggressive investors which aims to achieve a return on
investment through a combination of long-term capital growth and income by investing in a portfolio of large,
established United States based multinational companies. The fund aims to track the performance of its
benchmark which is the Standard & Poor's 500 Index (S&P 500). This fund will be managed by Bank of the
Philippine Islands through its Asset Management and Trust Corporation (AMTC).
• The BPI AIA World Equity Fund invests primarily in the iShares Core MSCI World, an Exchange Traded
Fund (ETF) domiciled in Ireland suited for aggressive investors. The fund aims to achieve a return on
investment, through a combination of capital growth and income by investing in a wide range of global
companies in developed countries. The fund aims to track the performance of its benchmark which is the
MSCI World Index. This fund will be managed by Bank of the Philippine Islands through its Asset Management
and Trust Corporation (AMTC).

Page 12 of 12
BPI AIA Life Assurance Corporation
(formerly BPI PHILAM Life Assurance Corporation)
15 th Floor BPI Philam Life Makati,
6811 Ayala Avenue,
Makati City, Philippines 1226
Hotline: (02) 8528-5501
Email: BPIAIA_CustomerService@aia.com
Life Ready Plus

Policy Owner: Estrella Teves Dixon Age: 60 Sex: Female
Insured: Jhoana Mae Seares Teves Age: 30 Sex: Female
Need: Protect
Risk Profile: Balanced
Dear Ms. Estrella Teves Dixon,
Thank you for choosing Life Ready Plus , is a regular pay, peso denominated, variable life insurance product that
addresses your Protect need. The plan is payable for as long as the Policy is in-force. With Life Ready Plus, you'll
enjoy the following benefits:
Life Insurance Coverage
Secure your family’s future with a1 life insurance coverage. In case of death, your loved ones will receive a cash
benefit equal to PHP 800,000.00 .
.
Comprehensive Coverage through Additional Benefits

Enjoy additional coverage by adding optional riders such as Accident & Health (A&H) Rider.
Get additional Credit on your Account Value

A One Time Bonus equivalent to 50% of the Basic Premium will be given at the end of the 15 th policy year as a
reward for keeping your policy with the company.
Build Wealth Over Time to Fund your future needs
Build your Account Value which accumulates over time depending on the performance of your chosen investment
funds. You can boost your savings through additional premium payments called Top Ups for as low as Php 1,000.
Important Disclosure
AS WITH ANY INVESTMENT, RISKS ASSOCIATED WITH THIS PRODUCT ARE SOLELY
BORNE BY YOU, THE POLICY OWNER. YOU SHOULD UNDERSTAND THE RISKS
INVOLVED AND DECIDE ON THE TYPE OF INVESTMENT THAT IS ALIGNED WITH YOUR
RISK APPETITE.
Definitions
For definitions of terms such as Policy Owner, Insured, Special Top-Up Premium, Basic Premium, and
Account Value, you may refer to the Glossary on Page 11.
Reference Notes
1
A portion of your payment or your Basic Premium is invested in your chosen fund/s. The worth of the
invested portion of your Policy is called the Account Value. The Account Value and would depend on the
performance of the fund/s linked to your Policy. Your life insurance benefit or the death benefit is equal
to highest of the (a) Face Amount plus 125% of all Top-ups less 125% of all partial withdrawal, (b)
Account Value, or the (c) Minimum Guaranteed Death Benefit. The Face Amount of your Policy is PHP
800,000.00. You may refer to the Glossary for the definition of Minimum Guaranteed Death Benefit.
DATE PREPARED: 02/20/2023 LIFE : 0.0/STD A&H: CLASS 1
VALID UNTIL : 05/20/2023 BSE: SARAH JEAN CUACHIN BRANCH: BANCASSURANCE IN-BRANCH REL BPL iPoS 9.82 - 12/26/2022
QR-BMKT-VUL/ REVISION 3/ NOVEMBER 2022 BPI AIA CUSTOMER CONFIDENTIAL
Page 1 of 13
Your Premiums and Payment Options
BENEFIT AMOUNTS AND PREMIUMS
Life Ready Plus is payable for as long as the Policy is in-force. The table below shows the benefit amounts and the
corresponding premiums or the amount you would need to pay your Policy.
Benefit Benefit Amount Coverage Period Annual Premium (PHP)
Basic Life Insurance
Coverage (Face Amount) PHP 800,000.00 Up to age 100 or upon claim 26,666.68
Accident and Health (A&H) PHP 800,000 Up to age 72 1,736.00

with Medical Reimbursement
(MR) PHP 50,000 Up to age 72 661.47
with Weekly Income PHP 2,000 Up to age 72 868.00

Total Premium 29,932.15
TOTAL 29,932.15
Reminder about your Annual Premiums

The Company reserves the right to change the Annual Premiums above subject to prior approval from the
Insurance Commission. You will be notified of any change in your premium rate forty-five (45) days before the
anniversary date when such a change will become effective
PAYMENT OPTIONS AND PREMIUMS

You can pay your plan annually, semi-annually, quarterly, or monthly. Here are the premiums for these payment modes:
Premium Component Annual Semi-Annual Quarterly Monthly
Basic Premium 26,666.68 13,333.34 6,666.67 2,224.00
Rider Premium 3,265.47 1,632.74 816.37 272.34
Special Top Up Premium - - - -
Regular Top Up Premium - - - -
TOTAL PREMIUM 29,932.15 14,966.08 7,483.04 2,496.34
Important Disclosures
▪ 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 definitions and
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 AIA within fifteen
(15) days from the date when you or your authorized representative received it and we will refund to you the
sum of (1) the Account Value, (2) any Policy Charges that have been deducted against the Account Value,
and (3) total premiums paid for Medical Benefit, Daily Hospital Confinement Benefit and Waiver of Premium
rider, if any, less any benefits paid by BPI AIA.
▪ In the future, if the Account Value becomes insufficient to pay for the appropriate policy charges, it is
possible that you may be required to pay additional premiums (i.e. Top-Ups) even if fully paid, to make sure
that the coverage continues.
▪ 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 it.
▪ The financial products of BPI AIA Life Assurance Corporation are not insured by the
Philippine Deposit Insurance Corporation (PDIC) and are not guaranteed by Bank of
the Philippine Islands (BPI) and its subsidiaries.
Page 2 of 13
Investment Funds Linked to Your Plan
Life Ready Plus is an investment-linked life insurance plan. This means that a portion of your premium or payment is
invested in funds. Below are the funds linked to your Policy and the level of risk associated to them. You could also learn
about your investment risk tolerance by discussing it with your BSE..
INVESTMENT RISK TOLERANCE
What is risk tolerance?
Risk tolerance is a measure of how much loss you are willing to endure within your investment. It looks at how much
market risk—stock volatility, stock market swings, economic or political events, regulatory, or interest rate changes—you
can tolerate, considering that all these factors might cause your investment to fluctuate.
What should be considered when determining the risk tolerance of a person?
A person’s age, investment goals, income, investment knowledge, and comfort level all play into determining a person’s
risk tolerance.
What is your tolerance?

According to the result of your Financial Needs Analysis, your risk tolerance is Balanced
FUND OPTIONS
Fund Options and Objectives Fund Risk Profile Premium Allocation7

BPI-Philam Peso Bond Fund
Aims to provide a steady stream of income by investing in a diversified

portfolio of Philippine Peso denominated high-grade fixed income
instruments, such as, but not limited to, government securities, corporate
Balance 100%
notes and bonds, and fixed income funds. The Fund aims to outperform
its composite benchmark, 75% of the 91-day Philippine Treasury Bill– net
of tax and 25% of the BPI Philippine Government 1-5 Year Index.
Total Fund Allocation 100%

Investment funds listed above are subject to availability upon product availment. You may allocate your investment to a maximum of three (3) funds per Policy from the funds
listed above. Fund switching and change in fund allocation are subject to minimum requirements and corresponding charges. See Notes on the Illustration of Benefits page
for details. The Company reserves the right to change the number of maximum investment fund allocation per Policy.
DEFAULT FUND OPTION

You have chosen BPI-Philam Peso Bond Fund as your default fund for Ad Hoc Top-Up premiums or additional
premiums to the Policy which can be purchased any time after the Policy has been issued. This is to increase the living
benefits and life insurance coverage of the policy. We will allocate the full Ad Hoc Top-Up premium to your default fund
if (1) you do not request for a different fund allocation of Ad Hoc Top-Up premium payment, and if (2) based on your
most recent payment received, excess in the premium due will be recorded as Ad Hoc Top-up fund allocation even if the
premium fails to meet the PHP 1,000 minimum investment requirement in any of the funds.
Page 3 of 13
HISTORICAL FUND PERFORMANCE
The table below shows how the funds linked to Life Ready Plus have performed in the past years. Here’s the historical
fund performance as of June 30, 2022
BPI-Philam Peso Bond Fund
(Inception Date: October 25,

2011)
2011 3.32%
2012 5.83%
2013 4.51%
2014 1.81%
2015 1.23%
End of 2016 2.07%
Year
Return 2017 2.26%
2018 1.73%
2019 4.08%
2020 3.71%
2021 0.50%
YTD March 2022 -0.12%
Return Since Inception
(Annualized) 36.01%
Average Annual
Return for the Last 3 2.50%
Years
Graphical
Performance
Since the Funds
were Created
Notes on Historical Fund Performance

1. Returns are from Inception Date and not from full year returns.
2. The Investment Funds mentioned in this document are specific to Variable Life Insurance products and are
not considered mutual funds.
3. The values above are based on past performance of Investment Funds of variable life
insurance products and are net of Fund Management Charges (FMC). They are not
forecasts and are not a guarantee of future fund performance.
4. The values on Average Monthly Investment Return for the last 36 months are for Investment Funds with at
least thirty-six (36) calendar-months experience and are based on their average annual investment return for
the last 36 months.
5. The values on Average Monthly Investment Return since inception of the Fund are for Investment Funds
with less than thirty-six (36) calendar-months experience and are based on their average monthly investment
return since fund inception.
6. The Unit Price of an Investment Fund on a Valuation Date is determined by dividing the net asset value of
the Investment Fund on the Valuation Date by the aggregate number of outstanding Units of the Investment
Fund on the Valuation Date. Currently, Valuation is done daily.
7. The Unit Prices of the Investment Funds are published weekly on major newspapers. You may also visit our
website at www.bpi-aia.com.ph for the daily Unit Prices.
Certified true and correct:
Lee C. Longa
Chief Investment Officer
Date of Certification: 23/06/2022
Page 4 of 13
HOW THE INVESTMENT COMPONENT WORKS
The illustration below shows where your payments or premiums are allocated.
1 Premium Payment Basic Premium and/ or Top-Up Premium
Premium charge/s are deducted minus premium charge/s

2 from premium
Net of premium charge/s, units will be bought on the

chosen investment fund/s based on prevailing Net
Asset Value per Unit (NAVPU) or “Unit Prices”
The remaining premium is allocated
3 to chosen investment funds
These units bought will be put into an account which
will be your “Account Value”
Every Policy monthsary, the following Policy charges will

be automatically deducted on your Account Value through
4 Policy charges are deducted
to sustain the policy
unit cancellations:
1. Insurance Charges
2. Administrative Charges
3. Premium Holiday Charge (if any)
Notes
1. Only your Basic Premiums and Top-Up Premium/s, if any, goes through this process of buying of units. Your
Rider Premiums does not participate on buying of units process.
2. If in case there are unpaid premiums (Basic and Rider Premiums) after the grace period of 31 days from due
date, your scheduled Premium Holiday Charge (if any) plus your Rider Premiums due (if any), together with
your monthly Policy Charges, will be deducted from your Account Value. If your Account Value is no longer
enough to cover for the appropriate deductions, your policy will automatically terminate, and all its benefits
will end.
3. In the future, if the Account Value become insufficient to pay for the appropriate
Policy charges, it is possible that you may be required to pay additional premiums
(i.e. Top-Ups) even if fully paid, to make sure that the coverage continues.
WHAT ARE THE FACTORS THAT AFFECT OR REDUCE THE INVESTMENT COMPONENT OF YOUR POLICY?
1. NOT PAYING YOUR PREMIUMS ON TIME – If you fail to pay your premiums when they fall due, your Policy
will go on automatic Premium Holiday status and a corresponding premium holiday charge (if any) will be applied
by automatically deducting the appropriate charge on your Policy’s Account Value.
2. POLICY CHARGES - These are monthly charges automatically being deducted on your Policy’s Account
Value as long as the Policy is in-force regardless if your Policy is still premium-paying or fully paid.
3. MAKING PARTIAL WITHDRAWALS – Partial withdrawals reduce your Policy’s Account Value. Leaving just
enough Account Value to stay within your Policy’s maintaining balance may not be enough to sustain your
insurance coverage up to the end of the benefit.
4. EXTREME MARKET VOLATILITY OR POOR FUND PERFORMANCE – Extreme negative market volatility
affects the unit price to drop or to trend lower. When the unit price is low, more units will be deducted from your
Policy’s Account Value to cover the Policy Charges due to the lower unit price. If this continues for a prolonged
period of time, it may deplete your Policy’s Account Value. In such case, you may be required to pay additional
premium such as Top-Ups to keep your policy in-force.
If your Account Value is no longer enough to cover for the appropriate Policy Charges, your
policy and all its benefits will automatically terminate.
Page 5 of 13
ILLUSTRATION OF BENEFITS – LIVING BENEFITS – BPI-PHILAM PESO BOND FUND
The table below shows the projected living benefits or the amounts you can withdraw from your policy at 0%, 4%, and
10% fund growth assumption and at 2.18%, as indicated on the HISTORICAL FUND PERFORMANCE page.
Premium Projected Accumulated

End of Attained Annual& Total Charges Full Withdrawal Value
Allocated
Policy Age Top-Up (at 4% Fund
to the
Year Premium/s Performance) 0% 4% 10% 2.18%
Fund
1 31 29,932 14,966 (18,238) 0 0 0 0
2 32 29,932 29,932 (3,939) 3,807 3,952 4,170 3,886
3 33 29,932 29,932 (4,786) 12,766 13,494 14,631 13,160
4 34 29,932 29,932 (5,643) 31,169 33,586 37,474 32,470
5 35 29,932 29,932 (6,524) 51,188 56,243 64,636 53,894
6 36 29,932 29,932 (7,415) 82,757 92,736 109,847 88,067
7 37 29,932 29,932 (8,306) 113,129 129,300 157,955 121,681
8 38 29,932 29,932 (9,211) 147,848 172,372 217,290 160,737
9 39 29,932 29,932 (10,208) 186,701 222,070 289,057 205,175
10 40 29,932 29,932 (11,206) 218,060 264,652 355,926 242,243
11 41 29,932 29,932 (9,250) 253,531 314,034 436,670 284,735
12 42 29,932 29,932 (9,972) 277,213 350,537 504,372 314,787
13 43 29,932 29,932 (10,688) 300,599 388,150 578,343 345,172
14 44 29,932 29,932 (11,405) 323,697 426,928 659,220 375,907
15 45 29,932 29,932 (12,120) 359,847 480,264 761,046 420,344
16 46 29,932 29,932 (8,010) 386,075 527,183 867,641 456,514
17 47 29,932 29,932 (8,224) 412,435 576,254 984,944 493,674
18 48 29,932 29,932 (8,559) 438,709 627,461 1,113,981 531,682
19 49 29,932 29,932 (8,851) 464,890 680,956 1,255,928 570,585
20 50 29,932 29,932 (9,069) 491,016 736,930 1,412,075 610,466
25 55 29,932 29,932 (11,487) 622,942 1,055,905 2,460,818 828,047
30 60 29,932 29,932 (15,306) 759,619 1,444,400 4,150,134 1,074,501
35 65 29,932 29,932 (19,953) 902,591 1,917,161 6,871,286 1,349,051
40 70 29,932 29,932 (25,609) 1,045,926 2,492,467 11,254,522 1,654,900
45 75 26,667 26,667 (31,221) 1,183,064 3,185,978 18,307,795 1,989,229
50 80 26,667 26,667 (39,469) 1,316,060 4,025,076 29,663,093 2,357,178
70 100 26,667 26,667 (94,676) 1,847,687 9,640,956 201,325,284 4,299,040
Notes on Illustration of Living Benefits

1. The projected benefits above are based on the projected performance of the funds
linked to your policy and are for illustration purposes only. Because fund performance
is not guaranteed, the projected benefits are also not guaranteed. The actual returns
may differ and there may be periods that funds generate losses due to market volatility.
Higher allocation to riskier assets can result in greater volatility in the projected
benefits.
2. A portion of your payment or your Basic Premium is invested in your chosen fund/s. The worth of the invested
portion of your policy is called the Account Value. The living benefit or the amount that you can withdraw from
your policy is equal to the Account Value and would depend on the performance of the fund/s linked to your
policy.
3. The Total Charges are consisting of applicable Premium Charges, Insurance Charges (Basic and Riders),
Administrative Charges, and Fund Management Charges. Insurance Charges are based on Fund Growth
Assumption of 4.00%. For further details regarding charges, please see Notes on the Illustration of Your
Benefits.
4. The Accumulated Full Withdrawal Value illustrated are the projected invested value or Account Value net of
Premium Charges, Insurance Charges, Administrative Charges, Fund Management Charges, and Surrender
Charges. If the Account Value becomes insufficient to pay for the applicable Policy Charges, the plan will
automatically terminate, and all benefits will end. To avoid policy termination and to continue enjoying your
policy benefits, you must pay your premiums regularly. You could also add Top-Up premiums so that the
policy would remain active.
5. The 4% and 10 % Fund Growth Assumptions are those prescribed by the Insurance Commission. The 0% Fund
Growth Assumption is a simulated performance and is presented for Illustration purposes only. The Total Based
on Historical Performance shows the sum of the individual account values based on the historical performance
of each chosen fund. The Fund Growth Assumptions are net of Fund Management Charge.
The illustrated benefits above assume all Premiums (Basic, Rider, Regular Top-Up, and Special Top-Up
6. premiums, if any) are paid in full when due for the duration of the policy. There is no unpaid premium (Premium
Holiday), no withdrawals, and the current scale of charges remain unchanged.
For complete details, please refer to the “Notes on the Illustration of Your Benefits” on page 8.
Page 6 of 13
ILLUSTRATION OF BENEFITS – DEATH BENEFIT
Your life insurance benefit or Death Benefit may also depend on the performance of fund/s linked to your policy. The table
below shows the projected death benefits at 0%, 4%, and 10% fund growth assumption and the total average investment
return experienced by your chosen fund/s.
Death Benefits
End of Attained Annual& Top-Up
Policy Total Based on
Age Premium/s 0% 4% 10% Historical
Year
Performance
1 31 29,932 800,000 800,000 800,000 800,000
2 32 29,932 800,000 800,000 800,000 800,000
3 33 29,932 800,000 800,000 800,000 800,000
4 34 29,932 800,000 800,000 800,000 800,000
5 35 29,932 800,000 800,000 800,000 800,000
6 36 29,932 800,000 800,000 800,000 800,000
7 37 29,932 800,000 800,000 800,000 800,000
8 38 29,932 800,000 800,000 800,000 800,000
9 39 29,932 800,000 800,000 800,000 800,000
10 40 29,932 800,000 800,000 800,000 800,000
11 41 29,932 800,000 800,000 800,000 800,000
12 42 29,932 800,000 800,000 800,000 800,000
13 43 29,932 800,000 800,000 800,000 800,000
14 44 29,932 800,000 800,000 800,000 800,000
15 45 29,932 800,000 800,000 800,000 800,000
16 46 29,932 800,000 800,000 867,641 800,000
17 47 29,932 800,000 800,000 984,944 800,000
18 48 29,932 800,000 800,000 1,113,981 800,000
19 49 29,932 800,000 800,000 1,255,928 800,000
20 50 29,932 800,000 800,000 1,412,075 800,000
25 55 29,932 800,000 1,055,905 2,460,818 828,047
30 60 29,932 800,000 1,444,400 4,150,134 1,074,501
35 65 29,932 902,591 1,917,161 6,871,286 1,349,051
40 70 29,932 1,045,926 2,492,467 11,254,522 1,654,900
45 75 26,667 1,183,064 3,185,978 18,307,795 1,989,229
50 80 26,667 1,316,060 4,025,076 29,663,093 2,357,178
70 100 26,667 1,847,687 9,640,956 201,325,284 4,299,040
Notes on Illustration of Death Benefits

1. The projected benefits above are based on the projected performance of the funds
linked to your policy and are for illustration purposes only. Because fund performance
is not guaranteed, the projected benefits are also not guaranteed. The actual returns
may differ and there may be periods that funds generate losses due to market volatility.
Higher allocation to riskier assets can result in greater volatility in the projected
benefits.
2. Your life insurance benefit or the death benefit is equal to highest of the (a) Face Amount Amount plus 125%
of all Top-ups less 125% of all partial withdrawals, (b) Account Value, or the (c) Minimum Guaranteed Death
Benefit. The Face Amount of your policy is PHP 800,000.00.
3. The 4% and 10% Fund Growth Assumptions are those prescribed by the Insurance Commission. The 0% Fund
Growth Assumption is a simulated performance and is presented for Illustration purposes only. The Total Based
on Historical Performance shows the sum of the individual account values based on the historical performance
of each chosen fund. The Fund Growth Assumptions are net of Fund Management Charge.
4. The illustrated benefits above assume all Premiums (Basic, Rider, Regular Top-Up, and Special Top-Up
premiums, if any) are paid in full when due for the duration of the policy. There is no unpaid premium (Premium
Holiday), no withdrawals, and the current scale of charges remain unchanged.
For complete details, please refer to the “Notes on the Illustration of Your Benefits” on page 8.
Page 7 of 13
Notes on the Illustration of Your Benefits
1. All payments and benefits shown are in Philippine Pesos. Payments are acceptable in Philippine Pesos only.
2. THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT ARE BORNE SOLELY
BY THE POLICYHOLDER.
3. The Death Benefit is the highest of the following:
(a) Face Amount plus 125% of all Top-ups less 125% of each partial withdrawal (if any),
(b) Account Value, or
(c) Minimum Guaranteed Death Benefit.
The Minimum Guaranteed Death Benefit is equal to 500% of the Basic Annual Premium plus 125% of each
subsequent Top-Up Premium (if any) less 125% of each partial withdrawal (if any).
4. Here are the notes on Policy charges:
a. Premium Charge - Basic Premiums will be subject to a Premium Charge as stated in the schedule below.
These charges are applied to cover for the operating expenses incurred for the policy and will be deducted
prior to the purchase of units in your chosen funds.
Policy Year Premium Charge as % of Basic Premium
1 50%
2 onwards 0%
All Top-Up Premiums will be subject to 3% Premium Charge.
b. Insurance Charge - The cost of providing the insurance coverage associated with the plan. This will
depend on the coverage amount, attained age, gender, and risk classification of the Insured and is
deducted monthly in the form of units from the Account Value.
c. Administrative Charge - The cost of maintenance of the policy. This is equivalent to a percentage of your
Account Value based on the schedule below and is deducted monthly in the form of units from the Account
Value.
Administrative Charge as % of
Policy Year
Account Value
1 to 10 2%
11 to 15 1%
16 onwards 0%
d. Premium Holiday Charge - In case premiums are not paid within the Grace Period of 31 days from the
due date, a Premium Holiday Charge will be deducted from your Account Value based on the schedule
below. All Rider Premiums due, if any, shall also be deducted from your Account Value.
Policy Year Premium Holiday Charge as % of Basic Premium
1 90%
2 75%
3 60%
4 50%
5 40%
6 30%
7 20%
8 15%
9 10%
10 5%
11 onwards 0%
5. Withdrawals will be subject to Surrender Charges equivalent to a percentage of the withdrawn amount based
on the schedule below. Withdrawals made against Units created by Top-Up Premiums will not be subject to Surrender
Charges. The minimum amount per withdrawal is PHP 1,000 while the maintaining balance after withdrawal is PHP
1,000 per fund.
PY 11
Policy Year (PY) PY 1 PY 2 PY 3 PY 4 PY 5 PY 6 PY 7 PY 8 PY 9 PY 10 onwards
% of the withdrawn
100% 90% 80% 65% 55% 40% 30% 20% 10% 5% 0%
amount
6. The Fund Management Charge (FMC) covers the investment expenses and other liabilities in managing the
assets in the investment fund. This is deducted from the Net Asset Value of the investment fund as shown below:
Fund Fund Manager FMC
BPI-Philam Peso Bond Fund BPI Asset Management & Trust Corporation 1.0% per annum
Page 8 of 13
7. If the Account Value becomes insufficient to pay for the applicable Policy Charges, the plan will automatically
be terminated, and all benefits will end. To avoid policy termination and to continue enjoying your policy
benefits, you must pay your premiums regularly. You could also add Top-Up premiums so that the policy
would remain active.
8. Here are the options to manage your funds based on your objective and risk tolerance:
a. Fund Switch - The minimum amount that can be switched is PHP 1,000 per fund and the maintaining
balance after fund switching is PHP 1,000 per fund. Fund switching shall be free of charge.
b. Fund Allocation - You may change your fund allocation subject to a minimum allocation of PHP 1,000
per fund. Change in fund allocation requests shall be free of charge.
9. The Company reserves the right to change any of the minimum amounts set in this sales illustration. All of the
charges may change subject to prior approval of the Insurance Commission. Should the charges change, you
will be given a sufficient notice period.
10. This illustration is only valid if distributed within the Philippines.
Page 9 of 13
Additional Information on Your Plan’s Benefits
LIST OF COVERED CRITICAL ILLNESS AND PROCEDURE
The list of critical conditions and procedures covered by your Critical Illness Rider includes the 56 critical illness or
procedures listed below.
For the Waiver of Premium for Critical Illness rider, covered critical conditions are the 56 critical illness or procedures
listed below.
Covered Illnesses or Procedures

1. Alzheimer's Disease 29. Major Burns
2. Amyotrophic Lateral Sclerosis 30. Major Head Traum
3. Apallic Syndrome 31. Medullary Cystic Disease
4. Aplastic Anemia 32. Motor Neuron Disease
5. Bacterial Meningitis 33. Multiple Sclerosis
6. Benign Brain Tumor 34. Muscular Dystrophy
7. Cancer 35. Myasthenia Gravis
8. Cardiomyopathy 36. Necrotizing Fasciitis
9. Chronic Adrenal Insufficiency (Addison’s 37. Paralysis
Disease) 38. Parkinson's Disease
10. Chronic Recurrent Pancreatitis 39. Poliomyelitis
11. Coma 40. Primary Pulmonary Arterial Hypertension
12. Coronary Artery Bypass Surgery 41. Progressive Bulbar Palsy
13. Dissecting Aortic Aneurysm 42. Progressive Muscular Atrophy
14. Eisenmenger’s Syndrome 43. Progressive Supranuclear Palsy
15. Elephantiasis 44. Progressive/Systemic Scleroderma
16. Encephalitis 45. Resection of the whole small intestine
17. End Stage Lung Disease (duodenum, jejunum and ilium)
18. Fulminant Viral Hepatitis 46. Severe Creutzfeldt-Jakob Disease
19. Heart Attack 47. Severe Crohn’s Disease
20. Heart Valve Replacement 48. Severe Infective Endocarditis
21. HIV due to Blood Transfusion and 49. Severe Rheumatoid Arthritis
Occupationally Acquired HIV 50. Severe Ulcerative Colitis
22. Kidney Failure 51. Stroke
23. Liver Cirrhosis 52. Surgery to Aorta
24. Loss of Hearing 53. Systemic Lupus Erythematosus (SLE) with
25. Loss of Independent Existence Lupus Nephritis
26. Loss of Limbs 54. Terminal Illness
27. Loss of Sight 55. Total and Permanent Disability
28. Loss of Speech 56. Vital Organ Transplant
Notes on the List of Covered Illnesses and Procedures

1. Please refer to the Policy contract for full details on the critical illness definitions, exclusions, and limitations.
Page 10 of 13
Glossary
Account Value - The value of your investment in the fund/s linked to your policies
Ad Hoc Top-Up Premium - Optional additional premium or investment to the policy which can be purchased any time after the
policy has been issued.
Administrative Charges - The cost of maintenance of the Policy. This is deducted monthly from the Account Value.
Basic Premium - Premium used to pay for the plan’s basic benefits such as the living and death benefits.
Bond - Refers to securities in which an investor lends money to the Bond Issuer. In return, the Bond Issuer, typically, for a
defined period of time, pay coupons (interest) against the principal at a variable or fixed interest rate and repays the principal on
or prior to a specified maturity date.
Cash Surrender Value - The sum of money an insurance company pays to a policy owner in the event that his/her policy or a
certain benefit is voluntarily terminated before its maturity.
Face Amount - Refers to the amount of life insurance coverage
Fixed Income Instruments - Are debt instruments that pay a fixed amount of interest—in the form of coupon payments. Bonds
are the most common form of fixed-income securities.
Free Look Period - 15-day period from when you received your Policy, during which you may return / cancel your Policy after
you have reviewed and determined that it is not suitable to your financial and protection needs.
Full Withdrawal Value - Total amount available to the Policy Owner upon surrender / full withdrawal of the Policy. It is equal to
the Account Value less any applicable Surrender Charges.
Fund Management Charge- The Fund Manager’s fee for managing the portfolio through buying / selling and allocating assets
within the Fund. Fund Management Charge will be deducted upon valuation of the Unit Price.
Fund Switch - An option to move your units from one fund to another, within one plan. You can transfer units fully or partially
between available fund options, subject to minimum amounts imposed by the Company from time to time.
Inception Date - The first day when the fund is launched or traded
In-force - A policy that is paid and with active policy coverage benefits
Insurance Charges - Is the cost of providing the insurance coverage and rider coverage, if any, associated with the plan. This
will depend on the attained age, gender and risk classification of the Insured and is deducted monthly from the Account Value.
Investment Funds - The available fund options managed by the life insurance company where you can allocated the invested
portion of your policy premiums
Investment Risks - Probability or likelihood of occurrence of losses relative to the expected return on any particular investment
Life Insurance - A protection against the loss of income that would result if the insured passed away. The named beneficiary
receives the proceeds and is thereby safeguarded from the financial impact of the death of the Insured
Market Risks - The possibility of an investor experiencing losses due to factor such as stock volatility, stock market swings,
economic or political events, regulatory, and interest rate changes that affect the overall performance.
Minimum Guaranteed Death Benefit - The amount of guaranteed death benefit that is payable under your Policy, regardless of
the performance of the Investment Funds, as long as the necessary Policy Charges are paid and the Policy is In-Force.
Policy - Written document that contains terms and agreement between BPI AIA Life and the Policy Owner
Policy Charges - The current charges applicable to this Policy as set out in the Notes on Illustration of Benefits.
Policy Insured - The person whose life is covered under a life insurance policy
Policy Owner - A person or business that owns the insurance policy
Pre-existing Condition - Is a medical condition that started before the insured's plan went into effect.
Premium Charge - The charge to cover for administrative expenses related to the Policy and which will be deducted from the
Basic Premiums and Top-Up Premiums before allocation to the chosen Investment Funds.
Premium Holiday - When you take a break from paying your premiums for a certain period of time (for as long as the Policy has
sufficient Account Value to keep it in force) but with a plan of continuing your premium payments later on. Premium Holiday
charges may be imposed by the Company and deducted from your Account Value during this period.
Premium Holiday Charge - The charge deducted from your Account Value when your premiums are not paid within the grace
period of 31 days from the due date.
Regular Top-Up Premium - Optional additional premium or investment on your Policy that is paid together with the Basic Premium.
Rider - A supplementary benefit you can add to your plan that can increase your coverage or address specific needs or concerns
Page 11 of 13
Rider Premium - Premium used to pay for the supplementary benefits or rider coverage.
Risk Profile - It is an evaluation of an individual's willingness and ability to take risks. A risk profile is important for determining a
proper investment asset allocation for a portfolio
Sales Illustration - Refers to this document that shows how a life insurance policy works
Special Top-up Premium - Mandatory premium or investment to the policy that is regularly paid together with the Basic Premium.
This is to prevent the Account Value from depleting during initial years of the policy as a result of the client’s substandard
underwriting rating.
Unit - Refers to notional units of equal value into which the Investment Fund shall be divided. Creation of Units arises from payment
of premium, while Units are redeemed to pay for Policy Charges and in the event of cash withdrawal.
Unit Price - Refers to a price of a single share in a fund. Each share is representative of a unit of ownership in the fund's basket
of securities. The Unit Price posted is already net of Fund Management Charge.
Valuation Date - Refers to a point in time in which an asset is officially appraised and priced
Variable Life Insurance - Insurance products with investment features, wherein a portion of insurance premiums are invested
into a designated investment fund/s.
Volatility - Measures the risk of an investment. It indicates pricing behavior and helps estimate fluctuations that may happen in
a short period of time.
Page 12 of 13
Name of Policy
: Estrella Teves Dixon Application No. :
Owner
BSE’s Name : SARAH JEAN CUACHIN BSE’s Code No. : 090072451
DECLARATIONS AND ACKNOWLEDGMENTS
DECLARATIONS
CB__01
I confirm that:
I have carefully read and understood all the disclosures and information contained in this Sales Illustration.
The Bancassurance Sales Executive (BSE) has satisfactorily explained the principal features of this policy, the non-
guaranteed components, all applicable charges, and the manner in which the variable benefits will reflect the investment
experience of the separate investment fund(s).
I understand that I have to pay my scheduled premiums as illustrated in order to realize the value and gains of my policy.
I acknowledge that this Sales Illustration is valid only if submitted to the Company within three (3) months from the date
it was prepared and that any alteration may deem this invalid.
This Sales Illustration will form part of the insurance contract once the policy is issued. In case of conflict between this
Sales Illustration and the issued policy, the latter shall prevail.
ACKNOWLEDGMENT OF VARIABILITY
CB__02
I acknowledge that:
I have applied for a variable life insurance plan with BPI AIA Life Assurance Corporation, and have reviewed and fully
understood the illustration(s) that shows how a variable life insurance plan performs using the Company’s assumptions
and based on the Insurance Commission’s guidelines on interest rates.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on
the actual performance at that given period and that the value of my policy could be less than the capital invested. The
unit values of my variable life insurance plan are periodically published.
I understand that payment period is not guaranteed. In the future, if the Account Value becomes insufficient to pay for
charges, it is possible that additional premiums (i.e. top-ups) may be required to continuously enjoy the benefits of this
plan.
I understand that the underlying investment funds for this product are managed by BPI Asset Management and Trust
Corporation (BPI AMTC). As such, the investment risks under this policy are to be borne solely by me, as the Policy
Owner. I have evaluated the level of risks of the underlying fund(s) and have selected fund(s) based on my judgment
and financial needs.
Sign__01
20/02/2023 14:50:49
Estrella Teves Dixon February 20, 2023

Policy Owner’s Name Policy Owner’s Signature Date
BANCASSURANCE SALES EXECUTIVE’S ATTESTATION
I attest that:
These declarations and acknowledgments are made with my knowledge as their Bancassurance Sales Executive (BSE).
This Sales Illustration has been presented to the Policy Owner unaltered. The Policy Owner has been told the principal
features of this policy, the non-guaranteed components, all applicable charges, and the manner in which the variable
benefits will reflect the investment experience of the separate investment fund(s); and no statements have been made
that are inconsistent with this Sales Illustration.
Sign__02
SARAH JEAN CUACHIN 20/02/2023 14:50:26
February 20, 2023

BSE Name Signature Date
BANCASSURANCE IN-BRANCH 090072451

Branch BSE Code
Page 13 of 13
Bplac_PHS_LRP_main_09_60 PROD 9.82(2022122618)
BPI AIA Life Assurance Corporation

(formerly BPI PHILAM Life Assurance Corporation)
15 th Floor BPI Philam Life Makati,
6811 Ayala Avenue,
Makati City, Philippines 1226
Hotline: (02) 8528-5501
Life Ready Plus Product Highlights

Policy Owner: Estrella T Dixon Age: 60 Sex: Female
Insured: Jhoana Mae Seares Teves Age: 30 Sex: Female
Need: Protect
Risk Profile: Balanced
This Product Highlights document is an important document.
• It highlights the key features and risks of the Variable Life Insurance product and the segregated Investment Fund/s.
• It is important to read this Product Highlight Sheet and Sales Illustration before deciding whether to purchase the
Variable Life Insurance product.
• You should not purchase in the Variable Life Insurance product if there is anything unclear about it or if you are not
comfortable with the accompanying risks of the segregated Investment Fund/s.
This product is being offered by BPI AIA Life Assurance Corporation.
BPI AIA Life Assurance Corporation (BPI AIA) is a strategic alliance between two leading companies in the country: AIA
Philippines Life and General Insurance Company, Inc. (AIA Philippines) and Bank of the Philippine Islands (BPI). AIA
Philippines is the premier life insurance company in the Philippines and the market leader for over 70 years. BPI is a
leading universal bank in the country with over 160 years of experience in the local banking industry and an extensive
branch network of more than 1,000 branches and 3,000 ATMs.
BPI AIA’s professional and expertly trained Bancassurance Sales Executives are assigned in BPI and BPI Family Savings
Bank branches nationwide to render financial advisory services that address customers' financial and protection needs.
With the combined expertise and resources of these two trusted companies, BPI AIA policyholders are assured that their
insurance is backed by financial strength and stability.
Pursuant to the provision of the R.A. No, 10607 (the Insurance Code, as amended), BPI AIA is under the supervision and
regulation of the Insurance Commission (IC). All insurance policies, including any supplementary benefits/riders, clause,
warranty or endorsement, shall be approved by the IC before being offered to the public.
WHAT IS LIFE READY PLUS?
Life Ready Plus is a regular pay, peso denominated, variable life insurance plan that provides life protection coverage
over the Insured’s life and at the same time allows the policyholder to invest and have the option to allocate premium
payments to a maximum of three (3) funds among the available funds. These underlying funds are managed by BPI-Asset
Management and Trust Corporation (BPI AMTC) where premiums will be invested:
Life Ready Plus a regular pay 1, peso-denominated variable life insurance plan that provides life protection coverage
and allows you to have a well-formed savings plan for what matters. It also provides coverage against medical expenses
through the Medical Benefit Rider and Daily Hospital Income Rider. In case of total and permanent disability, the Waiver
of Premium Rider also waives succeeding premium payments for Basic and Special Top-Up Premiums, if any. Life
Ready Plus also has living benefits, called the Account Value, where a portion of your premiums buys units on your
chosen Investment Fund/s. The Account Value can be partially or fully withdrawn anytime. Once the Account Value is fully
withdrawn, the Policy will terminate, and all its benefits will end.
QR-BMKT-PHS / REVISION 3 / NOV 2022 BPI AIA CUSTOMER CONFIDENTIAL

Page 1 of 12
The death and living benefits of this product depend on the performance of the chosen Investment Fund/s linked to your
Policy. Only your payments on Basic Premiums and Top-Up Premiums, if any, (net of Premium Charges) are invested in
your chosen Investment Fund/s that earn you an Account Value.
Life Ready Plus is payable for as long as the Policy is in-force. In the future, if the Account Value becomes insufficient
to pay for the appropriate policy charges, it is possible that you may be required to pay additional premiums (Top-Ups)
even if fully paid, to make sure that the coverage continues.
Please refer to the Sales Illustration for details on the product features and benefits, as well as information on
your chosen Investment Fund/s.
NOTWITHSTANDING THE INVESTMENT ASPECT FORMING AN INTEGRAL PART THEREOF,

THIS VARIABLE LIFE INSURANCE POLICY REMAINS ESSENTIALLY TO BE AN INSURANCE
PRODUCT. THIS IS AN INSURANCE POLICY PROVIDING PROTECTION ON LONG TERM
BASIS. THE INVESTMENT COMPONENT CAN SUPPORT SUSTAINABILITY OF LONG TERM
PROTECTION. HOWEVER, IF THE ACCOUNT VALUE IS NO LONGER ENOUGH TO COVER FOR
THE APPROPRIATE DEDUCTIONS, THIS POLICY WILL AUTOMATICALLY TERMINATE AND ALL
ITS BENEFITS WILL END.
What are the types of premiums associated with my policy?
Basic Premium Used to pay for the Basic Plan’s benefits.

Rider Premium/s Used to pay for the supplementary benefits (called “riders”) attached to your Basic Plan.
Rider premiums are billed and paid on the same frequency as the Basic Plan, until the
end of premium-paying period of the rider/s.
Special Top-Up Mandatory premiums for substandard cases. Special Top-Up premiums are billed and
Premium paid on the same frequency with the Basic Premium.
Regular Top-Up Additional investments on your policy that will be billed regularly as long as your policy
Premium is in-force. Regular Top-Up premiums are not mandatory, and you can always opt out
anytime.
Ad Hoc Top-Up Optional additional investments on your policy that can be made anytime.
Premium
POLICY FEATURES AND CHARGES

1. Policy Charges
a. Premium Charge – This shall be applied upfront when the Basic Premium and Top-Up Premium
payments are made. It is deducted before allocation of the balance to the underlying Investment Fund.
Premium Charge as % of Basic

Policy Year Premium
1 50%
2 onwards 0%
Premium charge for the Top-Up Premium (Ad Hoc, Regular, and Special) is 3% of the Top-Up Premium.
b. Insurance Charge – This is the cost of providing the insurance coverage associated with the plan. It
depends on the coverage amount, attained age, gender and risk classification of the Insured and is
deducted upon receipt of the First Total Premium, and monthly thereafter on the same day of the calendar
month as the Effective Date by redeeming Units allocated to this Policy equal in value to the said charge.
Units to be deducted shall be based on the proportion of Units that each fund bears to the total number of
Units under the policy.
c. Administrative Charge – This is the cost of maintenance of the policy. This is equivalent to a percentage
of your Account Value based on the schedule below and is deducted monthly in the form of units from the
Account Value.

Page 2 of 12
Administrative Charge as % of
Policy Year Account Value
1 to 10 2%
11 to 15 1%
16 onwards 0%
d. Premium Holiday Charge – This is the charge that will be imposed if premiums due are not paid within
31 days from the premium due date (“Grace Period”). Premium Holiday Charges follow the schedule
below and will be deducted from your Account Value:
1 90%
2 75%
3 60%
4 50%
5 40%
6 30%
7 20%
8 15%
9 10%
10 5%
11 onwards 0%
e. Fund Management Charge – This is the charge that covers the investment expenses and other costs
in managing the assets in the Investment Fund. It is imposed on and deducted from the Investment Fund
and is built into the Unit Price (Net Asset Value) at each Fund Valuation as stipulated.
Fund Fund Manager FMC
BPI-Philam Peso Bond Fund BPI Asset Management & Trust Corporation 1.0% p.a.
2. Top-Ups
These are additional premiums paid on top of your basic premium that is used to purchase additional units on your
chosen Investment Fund/s and provides you with additional coverage.
The minimum amount that you can Top-Up is PHP 1,000, and the minimum maintaining balance after Top-Up is
PHP 1,000 per fund.
Top-Ups are subject to 3% Premium Charge of the Top-Up amount. This charge will be deducted before buying of
units on your chosen Investment Funds.
3. Partial or Full Withdrawal
Withdrawals are funded by selling units from your chosen Investment Fund/s where your policy is linked. You can
withdraw anytime from your policy’s Account Value but will be subject to withdrawal charges based on the schedule
below:
PY 11
Policy Year (PY) PY 1 PY 2 PY 3 PY 4 PY 5 PY 6 PY 7 PY 8 PY 9 PY 10 onwards
% of the withdrawn
100% 90% 80% 65% 55% 40% 30% 20% 10% 5% 0%
amount
For each partial withdrawal transaction made, your Life Insurance Coverage or Face Amount is reduced by 125%
of the withdrawn amount. Also, partial withdrawal/s reduce the Account Value of your chosen Investment Fund/s.
As a result of your partial withdrawal/s, if incase your Account Value is no longer enough to pay for the relevant
policy charges as they come due, your policy will automatically terminate, and all its benefits will end.
The minimum amount that you can withdraw is PHP 1,000, and the minimum maintaining balance after withdrawal
is PHP 1,000 per fund.
Withdrawal Charges are only applicable on units created from Basic Premiums. Withdrawals on units created from
Top-Ups are not subject to withdrawal charge. Partial or Full Withdrawals may undermine or diminish your ability
to maintain your protection in the long term.
NOTE: Surrendering the policy may be more disadvantageous than beneficial to the policyholder, as
the policyholder not only incur surrender charges but lose potential investment earnings and, more
importantly, the benefits of having life insurance protection.

Page 3 of 12
4. Fund Switching
You can manage your investments to take advantage of market swings through Fund Switching. This allows you
to switch units from one Fund to another through written notice to the Company.
The minimum amount that you can switch is PHP 1,000, and the minimum maintaining balance after fund switching
is PHP 1,000 per fund. No charge shall be imposed on all fund switch requests.
Should you wish to switch your funds, please get advice from an investment professional. It is imperative
that in switching funds you get advice from a qualified investment professional.
5. Premium Holiday
You can suspend premium payments and still continue your policy’s coverage provided that your Account Value
is sufficient to pay for the Premium Holiday Charges, Insurance Charges, Administrative Charges and Rider
Premiums, if any, as they come due.
If premiums due are not paid within the Grace Period of 31 days from premium due date, a Premium Holiday
Charge will be imposed, following the schedule below:
1 90%
2 75%
3 60%
4 50%
5 40%
6 30%
7 20%
8 15%
9 10%
10 5%
11 onwards 0%
The Premium Holiday Charge is deducted a day after the Grace Period by redeeming Units allocated to this policy
equal in value to the said charge.
The Company will tag the Policy status to be in Premium Holiday if your Account Value is enough to pay for the
relevant Policy Charges and Rider Premium/s, and the Insured will still be eligible to the benefits of the policy while
on premium holiday status.
If your Account Value is no longer enough to pay for the relevant Policy Charges and Rider Premium/s,
your policy will automatically lapse, and all its benefits will end.
6. No Lapse Guarantee / Coverage Protector

This feature will ensure that you will enjoy continuous coverage for the first two (2) policy years of your plan
even if the Account Value becomes insufficient to pay for all applicable Policy Charges due to performance of the
underlying Investment Fund(s) provided that:
1. All Basic Premiums, Rider Premiums and Special Top-Up premiums are paid when they fall due;
2. No Premium Holidays; and
3. There are no partial withdrawals.
We will accrue all outstanding Policy Charges at no interest which will be made payable by canceling appropriate
units once units are credited to your policy or will be deducted from a benefit once a benefit becomes payable on
your policy.
7. Reinstatement
Your policy will lapse if your Account Value becomes insufficient to cover the relevant Policy Charges. If this
happens, you can have it reinstated so that you can continue to enjoy your policy coverage and benefits.
Reinstatement is subject to the following conditions:
• Your policy has not been surrendered for its Account Value;
• You submit a written application and evidence of insurability satisfactory to BPI AIA; and
• You pay all amounts necessary to revive this Policy or the Supplementary Contract.
Any reinstated Policy or Supplementary Contract will only cover loss or insured events that occur after the date of
approval of the reinstatement, subject to the Incontestability provision of your Policy.
Reinstatement is allowed at any time within three (3) years from your policy’s lapsation date.

Page 4 of 12
FREE-LOOK PROVISION
Upon receiving the Policy Contract, you may refer to the document for full details on the definitions, exclusions including
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 AIA within fifteen (15) days from the date you or your authorized
representative received it and we will refund to you the sum of (1) the Account Value, (2) any Policy Charges that have
been deducted, and (3) total premiums paid for Medical Benefit, Daily Hospital Income Benefit and Waiver of Premium, if
any less any benefits paid by BPI AIA.
Is it possible to terminate my policy and will this incur charges?

Yes, you may cancel or terminate your policy. Note that this product is suited for your long-term protection needs.
Surrendering your policy may be more disadvantageous than beneficial to you, as you lose potential investment earnings
and the benefit of having life insurance protection.
a. If you decide to cancel the policy within fifteen (15) days after you or your authorized representative received the
policy, you will refund to you the sum of (1) the Account Value, (2) any Policy Charges that have been deducted,
and (3) total premiums paid for Medical Benefit, Daily Hospital Income Benefit and Waiver of Premium, if any.
b. If beyond fifteen (15) days, corresponding surrender charges may be applied, depending on the policy year when
the surrender transaction occurs (refer to Surrender Charge table).
Your policy may also terminate in the event that the Account Value is no longer sufficient to cover for the applicable policy
charges. In this case, you may reinstate your policy within three (3) years from date of termination for as long as your policy
has not been surrendered for its Account Value, a written application and evidence of insurability have been submitted, and
all necessary charges to revive the policy are fully paid. Any reinstated Policy or Supplementary Contract will only cover
loss or insured events that occur after the date of approval of the reinstatement, subject to the Incontestability provision of
your Policy.
INFORMATION ON FUNDS LINKED TO YOUR POLICY
Life Ready Plus is a Variable Life Insurance product, which means that a portion of your premiums are allocated to
your chosen Investment Fund/s. You can find information about the funds linked to your policy below.
BPI-PHILAM PESO BOND FUND
Fund Launch Date October 25, 2011

Fund Objective Aims to provide a steady stream of income by investing in a diversified portfolio
of Philippine Peso denominated high-grade fixed income instruments, such as, but
not limited to, government securities, corporate notes and bonds, and fixed income
funds. The Fund aims to outperform its composite benchmark, 75% of the 91-day
Philippine Treasury Bill– net of tax and 25% of the BPI Philippine Government 1-5
Year Index.
Fund Benchmark • 75% 91-day Tbill;
• 25% BPI Govt Bond Index 1-5 years
Target Market Balanced Risk Profile
Main Underlying Asset Bonds
Fund Manager BPI Investment Management Inc.
Fund Performance 0.50% since inception as of end March 2022
2.40% 5-year annualized return as of end March 2022

Page 5 of 12
Important Notes
• The Investment Fund/s mentioned in this document are specific to Variable Life Insurance products
and are not considered mutual funds.
• The historical returns shown are strictly the performance of the Investment Fund/s, and not the returns
earned on the actual premiums paid for this policy.
• Past performance of the fund is not an indication of its future performance.
• This is an insurance policy providing protection on long term basis. The investment component
can support sustainability of long term protection. However, if the account value is no longer
enough to cover for the appropriate deductions, this policy will automatically terminate and all
its benefit will end.
How often will my Investment Funds be assessed or valued?

The Unit Price of an Investment Fund on a Valuation Date is determined by dividing the net asset value of the Investment
Fund on the Valuation Date by the aggregate number of outstanding Units of the Investment Fund on the Valuation Date.
The performance of the Investment Funds associated with this insurance product is valued daily.
The Unit Prices of the Investment Fund/s are published weekly on major newspapers. You may also visit our website at
www.bpi-aia.com.ph for the daily Unit Prices.

Page 6 of 12
WHAT ARE THE FACTORS THAT AFFECT OR REDUCE THE INVESTMENT COMPONENT OF YOUR
POLICY?
1. NOT PAYING YOUR PREMIUMS ON TIME – If you fail to pay your premiums when they fall due, your Policy
will go on automatic Premium Holiday status and a corresponding premium holiday charge (if any) will be applied
by automatically deducting the appropriate charge on your Policy’s Account Value.
2. POLICY CHARGES – These are monthly charges automatically being deducted on your Policy’s Account Value
as long as the policy is in-force regardless if your Policy is still premium-paying or fully paid.
3. MAKING PARTIAL WITHDRAWALS – Partial withdrawals reduce your Policy’s Account Value. Leaving just
enough Account Value to stay within your Policy’s maintaining balance may not be enough to sustain your insurance
coverage up to the end of the benefit.
4. EXTREME MARKET VOLATILITY OR POOR FUND PERFORMANCE – Extreme negative market volatility
affects the unit price to drop or to trend lower. When the unit price is low, more units will be deducted from your
Policy’s Account Value to cover the Policy Charges due to the lower unit price. If this continues for a prolonged
period of time, it may deplete your Policy’s Account Value. In such case, you may be required to pay additional
premium such as Top-Ups to keep your policy in-force.
If your Account Value is no longer enough to cover for the appropriate Policy Charges, your
policy and all its benefits will automatically terminate.
WHAT ARE THE KEY RISKS OF THIS PRODUCT?
Life Ready Plus is an insurance Policy with an inseparable investment component which allows you to invest in certain
Fund/s of your choice. Like all other financial products, Variable Life Insurance policies have their advantages and trade-
offs.
As an investment-linked insurance product, this product is subject to certain risks, which are described below. These risk
factors could affect the account value of your Policy and may cause you to lose some or all of your account value.
General Risk The value of the Variable Life Insurance Policy may be affected by the uncertainties and risks
associated with investing. Past performance is not necessarily a guide to future performance
and the decision to invest should be regarded as a medium- to long-term investment decision.
Interest Rate Risk Bonds and other fixed-income securities are interest rate-sensitive. This means that their values
and, consequently, the value of the investment, will fluctuate as interest rates fluctuate. An
increase in interest rates will, generally, reduce the value of fixed-income securities.
Credit Risk Bonds and other fixed-income securities and bank deposits are subject to credit risks, such
as a deterioration in the credit quality of the issuers, a default by issuers and banks and a
general widening of credit spreads. This means that the value of the fixed-income securities will
fluctuate. A deterioration in the credit quality of the issuers, a default by issuers or an increase
in credit risk premiums will, generally, reduce value.
Equity Risk The value of equity securities will fluctuate depending on the general trends of the stock
markets, prevailing interest rates as well as the financial and operating performance of the
issuers of the equity securities themselves. The economic environment of the countries and the
performance of the industries will have an impact on the value of the equity securities.
Market Risk The value of the investment may be affected by uncertainties such as international political
developments, changes in government policies, taxation, restrictions on foreign investment and
currency repatriation, currency fluctuations and other developments in the laws and regulations
of countries in which investments may be made. The legal infrastructure, and, accounting,
auditing and reporting standards in certain countries or securities markets do not

Page 7 of 12
provide the same degree of investor protection or information to you as would major countries
or securities markets. This, in turn, will have an impact on value.
Counterparty Risk There is a risk of a counterparty defaulting as there may be no secure method of delivery against
payment. It may be necessary to make payment on a purchase or delivery on a sale before
receipt of the securities or, as the sale may be, sale proceeds.
Regulatory Risk You should be aware that some industries, in certain countries, may be subject to greater
government regulation than many other industries. Changes in government policies and
the need for regulatory approval may have a material adverse effect on these industries.
Industries or companies may also be subject to the risks of developing technology and
communications, competitive pressures and other factors, and, are dependent on consumer and
business acceptance, as new technologies evolve. Investing in these industries may subject the
investment to abrupt changes in value.
Political Risk The value of investments in countries with less-stable political and economic environments may
be subjected to greater volatility than those in developed countries.
Investment Risk There can be no guarantee against loss nor any assurance that the objective of the investment
will be attained. The value of the investment and the income from them can fall as well as rise
and you may not realize the same amount that you invested. Investing may only be suitable for
you if you can accept the associated uncertainties and risks and are prepared to take a medium-
to long-term view of your investment.
Currency / Changes in the exchange rate may or may not have an impact on the value of the investment.
Exchange Risk The investment may be denominated in several or different currencies and, hence, be subjected
to fluctuations in currency exchange rates and, in certain cases, exchange control regulations
Liquidity Risk An investment may be less-liquid and may affect the ability to acquire or dispose at the value or
price and time that is desired
Taxation Risk You should note that the proceeds from the investment in some markets or the receipt of
any dividends or some other income may be or may become subject to tax, levies, duties or
other fees or changes imposed by the authorities in that market, including taxation levied by
withholding at source.
BPI AIA is guided by the investment policies approved by the IC, including the IC-issued “Revised Guidelines on Variable
Life Insurance Contracts”. The supervision and regulation by the IC, however, does not guarantee the investment returns
nor protection of the investment-linked Policy against capital loss.
WHAT ARE THE RISKS IF YOU CHOOSE AN INVESTMENT FUND/S THAT IS NOT SUITABLE TO YOUR RISK
APPETITE OR RISK PROFILE?
By choosing an Investment Fund/s with higher risk than your risk appetite or risk profile, you understand that you are
waiving the results of your client suitability assessment and you are taking more risks in exchange for possible higher
returns directly attributed to or incidental to the underlying Investment Fund/s that you have chosen. You expressly agree
to assume such higher risks and exclusively bear the consequence of your conscious decision to invest in fund/s and/
or products with higher risk. You also understand that AIA Philippines takes no responsibility for the performance of your
chosen higher risk Investment Fund/s and hold AIA Philippines free and harmless from any and all liabilities, claims,
opportunity cost, and causes of action of whatever kind or nature, that may affect me as a result thereof.
DISCLOSURE OF CONFLICT OF INTEREST

The Fund manager makes investment decisions for the Funds based on the circumstances of each Fund and
independently of decisions made for other funds. There are times when the Manager may take the same investments for a
Fund and one or more other funds. This may create a conflict of interest if there is only a limited amount of the investment
available, or if the investment is purchased at different times or at different prices for different funds. If this happens, the
Manager will attempt to allocate the investment fairly between the Fund and other funds. Factors the Manager considers' in
allocations include the size and timing of previous allocations, whether the security meets the objectives of the respective
portfolios, the relative portfolio size and the rate of growth of the portfolios.

Page 8 of 12
PRE-TERMINATION OR SURRENDER OF THE VARIABLE LIFE INSURANCE POLICY AND THE
CHARGES THEREOF
The Variable Life Insurance Policy can be surrendered at the discretion of the policyholder which will result to the
termination of the said Variable Life Insurance Policy. Please be notified, however, that corresponding surrender charges
may be applied, depending on the policy year when the surrender transaction occurs. The Variable Life Insurance
Policy may also terminate in the event that the available Account Values are no longer sufficient to cover for the
applicable policy charges. The policyholder may reinstate the same within 3 years, provided that the Policy's
Account Values have not been fully withdrawn, the reinstatement documents have been submitted, and the necessary
charges are fully paid, including such other requirements as may be provided in the insurance policy.
NOTE: Surrendering the Policy may be more disadvantageous than beneficial to the policyholder, as the
policyholder not only incur surrender charges but lose potential investment earnings and, more importantly, the
benefits of having life insurance protection.

Page 9 of 12
OTHER INFORMATION YOU NEED TO KNOW
Life Ready Plus is a Variable Life 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.
THE FINANCIAL PRODUCTS OF BPI AIA LIFE ASSURANCE CORPORATION ARE NOT
INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION AND ARE NOT
GUARANTEED BY THE BANK OF THE PHILIPPINE ISLANDS AND ITS SUBSIDIARIES.
Should you have any query or concern, you can reach us or get updates through the following
channels:
1. Bancassurance Sales Executive (BSE) situated in your nearby BPI branch.

2. Hotline (02) 8528-5501 (Metro Manila) or 1-800-8944-5433 (Domestic Toll-Free)
3. Our webpage at www.bpi-aia.com.ph
4. Our e-mail at BPI-AIA CustomerService@aia.com

Page 10 of 12
ACKNOWLEDGMENT
I certify that the product information above has been discussed to me by the Bancassurance Sales
Executive and I as a client have read and understood the concept of the product being sold to me
including the policy fees and charges as well as the investment risk inherent to it. I further certify that I
have made an independent investment decision that this product suits my financial objectives, needs
and experience.
20/02/2023 14:49:42
Estrella Dixon
CLIENT’S SIGNATURE
Conducted by:
20/02/2023 14:49:20
SARAH JEAN CUACHIN

BANCASSURANCE SALES EXECUTIVE
QUEZON CITY
02/20/2023
PLACE AND DATE OF SIGNING
Special Instruction:

Page 11 of 12
Connecting with BPI AIA is Easy!
Chat with Bessie, for your policy-related concerns and other

questions. Simply go to https://m.me/BessieofBPIAIA.
Log-on to your MyAIA account for your 24/7 access to your

ePolicy, eOfficial Receipt, and more.
You can also pay for your premium via these payment channels:
https://www.bpi-philam.com/en/help-support/payment-
facilities.html
Send an email at BPIAIA.CustomerService@aia.com for your

inquiries and feedback.
Call our customer hotlines at (02) 8528-5501 or

1-800-8944-5433 for PLDT Domestic Toll-Free Calls.
Talk to a Bancassurance Sales Executive at any BPI or

BPI Family Savings Bank branch.
Drop by our Vibe Customer Service Center at

GF BPI-Philam Makati, 6811 Ayala Ave., 1226 Makati City.

Page 12 of 12

Bplac Reg7011484847 PDF

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Bplac Reg7011484847 PDF

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Plan Name:

LIFE READY PLUS

Plan Name: LIFE READY PLUS

Owner’s Name: MRS ESTRELLA T DIXON

Preferred Mailing Address: PH6 B4 L23

Bancassurance Sales Executive’s Name: SARAH JEAN CUACHIN

Fund Allocation Net Asset Value Unit

*Inclusive of applicable charges

Description Face Amount Modal Premium Max Years

LIFE READY PLUS REGULAR PAY PHP 800,000.00 PHP 26,666.60 70

SCHEDULE OF BENEFITS AND PREMIUM

Endorsement Forms Attached to this Policy

EAC46BP-ENDORSEMENT FOR 5-YEAR COVERAGE PROTECTOR

POLICY DATA SECTION

FACE AMOUNT - PHP800,000 Policy Number: 7011484847

DOCUMENTARY STAMPS CORRESPONDING TO THE AMOUNT OF INSURANCE OF THIS POLICY ARE

BAC45BP Page 3 NON-PARTICIPATING

BPI AIA Customer Confidential

BPI AIA Customer Confidential

BPI AIA Customer Confidential

bplac_eapp_reg_BPLAC_07_60 PROD 9.82(2022122618)

PERSONAL INFORMATION PERSONAL INFORMATION

1A. LAST NAME 2A. LAST NAME

FIRST NAME FIRST NAME

MIDDLE NAME MIDDLE NAME

B. RELATIONSHIP OF OWNER TO PROPOSED INSURED

Dr. Atty. Engr. Dr. Atty. Engr.

E. CIVIL STATUS F. DATE OF BIRTH E. CIVIL STATUS F. DATE OF BIRTH

Widowed Separated 13 / 09 / 1992 Widowed Separated 23 / 02 / 1963

G. PLACE OF BIRTH (Town/City, Country) G. PLACE OF BIRTH (Town/City, Country)

H. COUNTRY OF CITIZENSHIP H. COUNTRY OF CITIZENSHIP

COUNTRY OF NATIONALITY COUNTRY OF NATIONALITY

I. IDENTIFICATION NUMBERS I. IDENTIFICATION NUMBERS

Type of ID: UMID Type of ID: Philippine Passport

ID Number: 011174505498 ID Number: P0016393C

J. CONTACT NUMBERS - LOCAL J. CONTACT NUMBERS - LOCAL

Mobile： 0906-3729768 Mobile： 0906-3729768

QR-BUND-RWF/Revision 4/August 2021 BPI AIA Customer Confidential Page 1 of 16

PERSONAL INFORMATION PERSONAL INFORMATION

K. E-MAIL ADDRESS K. E-MAIL ADDRESS

L. PRESENT ADDRESS L. PRESENT ADDRESS

Camella Provence L Camella Provence L

M. PERMANENT ADDRESS M. PERMANENT ADDRESS

Ph6 B4 L23 Ph6 B4 L23

Camella Provence L Camella Provence L

District City/Municipality District City/Municipality

N. BUSINESS ADDRESS N. BUSINESS ADDRESS

Ph6 B4 L23 Rm C 3F SE Mansion

Camella Provence L TST Kowloon

District City/Municipality District City/Municipality

QR-BUND-RWF/Revision 4/August 2021 BPI AIA Customer Confidential Page 2 of 16

PERSONAL INFORMATION PERSONAL INFORMATION

SECONDARY OCCUPATION SECONDARY OCCUPATION

Specific Duties Specific Duties

GOVERNMENT EMPLOYEE GOVERNMENT EMPLOYEE

P. NAME OF COMPANY P. NAME OF COMPANY

Q. ANNUAL INCOME Q. ANNUAL INCOME

Below P100,000 P1,200,000 – 1,799,999 Below P100,000 P1,200,000 – 1,799,999

P100,000 – 239,999 P1,800,000 – 2,999,999 P100,000 – 239,999 P1,800,000 – 2,999,999

P240,000 – 599,999 P3,000,000 – 4,999,999 P240,000 – 599,999 P3,000,000 – 4,999,999

R. SOURCE/S OF FUND R. SOURCE/S OF FUND

Business Allotment from Business Allotment from

S. MOTHER’S MAIDEN NAME S. MOTHER’S MAIDEN NAME