1

In your 20s, you’ll be at the prime

of your life and health, but you still want to be
prepared of unexpected medical expenses.

2
In your 30s, you might be establishing yourself
in your chosen career, and you want to be
at your best health, so you can consistently
provide for your family.

• CONFIDENTIAL
 In your 40s, the dream is to be
financially secure, but with rising costs,
you still need to have enough funds
in case you get sick.

• CONFIDENTIAL
Later on in life, being healthier becomes
more important as you feel excited about
retirement and enjoying time for yourself
and your loved ones.

5
Whatever life stage you’re in, the path you take are driven by the goals you’ve set for yourself
and these goals determine what kind of Goal Maker you are.

Are you a…
• Family Milestone Maker – preparing for
your family’s future

• Health & Wellness Maker – prioritizing your

health

• Savings and Wealth Maker – saving up and

aiming to grow your funds

• Retirement Maker – preparing for a

comfortable retirement

• Enterprise Maker – working to secure your

business and employees

• CONFIDENTIAL
 Whatever goals you’ve
set, achieve them all and
BE A GOAL MAKER!

• CONFIDENTIAL
To take care of you and your loved ones’ health today or in the
future, you need to have a plan that fits you perfectly.

• CONFIDENTIAL
Flexible.
Customize your critical illness
coverage according to your
health needs and your budget.

Lifetime.
Safeguard your health up to
age 100 or reap maturity
benefits for staying healthy.

Extensive.
Feel more secure with
protection from up to 112
critical illnesses and benefits.

• CONFIDENTIAL
 Advanced
Critical Guaranteed Maturity Long Life
Illness Death Benefit Benefit Bonus
Benefit (Dividends)

Waiver of
Payor’s
Premium due
v Benefit* v
to CI

CORE BENEFITS

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• CONFIDENTIAL
 Advanced Critical Illness Cancer 3CI Cancer + 3CI +
Cancer ✓ ✓ ✓ ✓
Heart Attack (Myocardial Infarction) ✓ ✓

ADVANCED CRITICAL
Stroke ✓ ✓
Coronary Artery Bypass Surgery ✓ ✓
Kidney Failure ✓ ✓
Major Organ Transplantation ✓ ✓
Paralysis ✓ ✓

ILLNESS (CI) BENEFIT

Blindness ✓ ✓
Multiple Sclerosis ✓ ✓
Loss of Limbs ✓ ✓
Coma ✓ ✓
Amyotrophic Lateral Sclerosis ✓ ✓
gives you a lump sum benefit if insured is diagnosed with any of the Aplastic Anemia
Chronic Liver Disease
✓
✓
✓
✓
illnesses from your chosen core benefit. Chronic Relapsing Pancreatitis
End Stage Lung Disease
✓
✓
✓
✓
Heart Valve Replacement ✓ ✓
You may choose from: Loss of Hearing
Loss of Speech
✓
✓
✓
✓
1. Cancer Major Burns
Severe Medullary Cystic Disease
✓
✓
✓
✓
2. 3CI (3 illnesses) Muscular Dystrophy
Parkinson's Disease
✓
✓
✓
✓
3. Cancer + (58 illnesses) Poliomyelitis
Progressive Bulbar Palsy
✓
✓
✓
✓
4. 3CI + (60 illnesses) Progressive Muscular Atrophy
Surgery to Aorta
✓
✓
✓
✓
Terminal Illness ✓ ✓
Total and Permanent Disability ✓ ✓
Systemic Lupus Erythematosus (SLE) ✓ ✓
Hemolytic Streptococcal Gangrene ✓ ✓
Occupationally Acquired HIV ✓ ✓
Encephalitis ✓ ✓
Severe Rheumatoid Arthritis ✓ ✓
Benign Brain Tumor ✓ ✓
Alzheimer's Disease ✓ ✓
Apallic Syndrome ✓ ✓
Brain Surgery ✓ ✓
Cardiomyopathy ✓ ✓
Severe Creutzfeldt-Jacob Disease (CJD) ✓ ✓
IMPORTANT NOTES: Crohn's Disease ✓ ✓
Fulminant Hepatitis ✓ ✓
• Upon payment of the ACI Benefit, the face amount, Major Head Trauma ✓ ✓
premium, cash value and dividends due for the ACI Myasthenia Gravis ✓ ✓
Necrotizing Fasciitis ✓ ✓
Benefit will also be reduced to zero. Other Serious Coronary Artery Disease ✓ ✓
Pheochromocytoma ✓ ✓
✓ ✓
• However, if any of the riders remain inforce (2nd Primary Pulmonary Hypertension
Progressive Scleroderma ✓ ✓
Advanced Critical Illness Claim Benefit, Child CI Severe Ulcerative Colitis ✓ ✓
Benefit, and Male/Female Cancer Benefit), then the Loss of Independent Existence ✓ ✓
Progressive Supranuclear Palsy ✓ ✓
policy will remain inforce. Severe Infective Endocarditis ✓ ✓
Elephantiasis ✓ ✓
Amputation due to Complication from Diabetes ✓ ✓
Bacterial Meningitis ✓ ✓
Severe Eisenmenger's Syndrome ✓ ✓
Chronic Adrenal Insufficiency (Addison's Disease) ✓ ✓
Surgery for Idiopathic Scoliosis ✓
11
✓
HIV due to Blood Transfusion ✓ ✓
• CONFIDENTIAL
 HOW IT WORKS
Face Amount: P1,000,000

● ● ●
ADVANCED
DEATH MATURITY
CRITICAL ILLNESS
BENEFIT BENEFIT
BENEFIT

✓
X X
Scenario 1 Claims ACI.
No DB No MB
Receives P1,000,000
✓
X X
Scenario 2 > Dies before age 100
If no ACI claim No MB
Receives P1,000,000
✓
X X
Scenario 3 > > Receive MB
If no ACI claim Survives age 100
Receives P1,000,000

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• CONFIDENTIAL
LONG LIFE BONUS
Annual dividends will be payable for the base and each rider except for the waiver of premium riders.
This may be withdrawn anytime or left to accumulate until maturity.

IMPORTANT NOTES:
• Dividends are calculated based on a projection of the current dividend scale, and has incorporated the
Company's expectation of future interest rates, investment returns, expenses, claims experience and other
factors.

• Your dividends may be different and depends on how well the fund has fared with regard to investment returns,
expenses, claims and other factors.

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• CONFIDENTIAL
WAIVER OF PREMIUM BENEFIT
waives your premiums if you encounter any of the following: When insured is diagnosed with any of the covered early stage critical
illness, 1-year premium is waived. Then, if diagnosed with advanced
critical illness after a year, remaining premiums are waived.
When Insured is diagnosed with any of the covered advanced
critical illnesses, remaining premiums will be waived. Diagnosed with Early Stage CI on year 2
Premiums is waived for 1 year
Pay for 3
years
Remaining premiums are waived

Insured Diagnosed with Advance CI on year 4

Remaining premiums Waived
Insured
Diagnosed with Advance
CI on year 4

When insured is diagnosed with any of the covered early stage

critical illness, 1 year premium is waived.

Diagnosed with Early Stage CI on year 2

Premiums is waived for 1 year

Insured

IMPORTANT NOTES:

• Each premium waived will be the premium according to the mode of payment in effect when early stage or advanced critical illness was diagnosed. 14

• CONFIDENTIAL
PAYOR’S BENEFIT
We will waive all premiums (basic + all riders) upon death or disability of the payor.

Attachment of this rider is mandatory if it satisfies qualifications below:

5-Pay 10-Pay

Insured’s Issue Age 0 – 15 0 – 15

Payor’s Issue Age 18 – 55 18 – 50

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• CONFIDENTIAL
 Early Stage 2nd Advanced
Child Critical
Critical Recovery Critical
Illness
Illness Benefit Illness Claim
Benefit
Benefit Benefit

Male or
Hospital
Female
Income
v Cancer v
Benefit
Benefit

ADD-ON BENEFITS

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• CONFIDENTIAL
EARLY STAGE CRITICAL ILLNESS BENEFIT
advances 25% of your first Advanced Critical Illness Benefit when insured is diagnosed with any of the specified early stage critical illnesses.

Insured is diagnosed with

an Early Stage Critical
Advanced Critical Advanced Critical Illness Benefit
Illness
Illness Benefit goes back to original amount

After 1 year

Manulife pays 25%

IMPORTANT NOTES:
• The list of Early Stage Critical Illness covered is defined by the Advanced Critical Illness Grouping the insured chooses (i.e., Cancer, 3CI, Cancer +,
or 3CI +).

• Face Amount for Advanced Critical Illness, Death Benefit or Maturity Benefit reverts to 100% if there is no advanced critical illness claim made
within 12 months from early stage critical illness claim.

• Early Stage Critical Illness Benefit terminates on the earliest of the following:

• the benefit is paid;

• the payment of the Advanced Critical Illness Benefit regardless of whether the Early Stage Critical Illness Benefit has been paid or not; or,

• upon death of the insured.

• Once ESCI is claimed, premiums for ESCI and Waiver of Premium due to ESCI will stop. 17
 Cancer 3CI Cancer + 3CI +
Early Stage Critical Illness
(5) (13) (36) (44) Early Stage Critical Illness Benefit
Biliary Tract Reconstruction Surgery P P P P
Carcinoma-in-situ P P P P Scenario 1
Early Stage Malignancy P P P P
Early Thyroid Cancer P P P P
Cerebral shunt insertion P P P P • Diagnosed with Heart Attack
Angioplasty and Stenting for Carotid Arteries P P
Carotid Artery Surgery P P ✓ Receive 75% of FA for Advanced Stage CI Benefit
Endovascular Treatment of Peripheral Arterial Disease P P ✓ Future premiums are waived
Less Severe Heart Attack P P
Pericardiectomy P P
Cardiac Pacemaker Implantation P P JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Cerebral Aneurysm or Arteriovenous Malformation Requiring Surgery P P
1 2 3 4 5 6 7 8 9 10 11 12
Endovascular Treatment of Cerebral Aneurysm P P
Adrenalectomy for Adrenal Adenoma P P
Chronic Lung Disease P P Diagnosed with Less Severe Heart
Cochlear Implant Surgery P P •
Diabetic Retinopathy P P
Attack
Endovascular Treatments of Aortic Disease or Aortic Aneurysm P P ✓ Receive 25% of FA for Early Stage CI Benefit
Facial Burns due to Accident P P
✓ 1 Year premium is waived
Facial Reconstructive Surgery for Injury due to Accident P P
Hepatitis with Cirrhosis P P
Less Invasive Treatments of Heart Valve Disease P P
Less Severe Bacterial Meningitis P P
Less Severe Burns to Body due to Accident P P
Less Severe Coma P P Scenario 2
Less Severe Encephalitis P P
Less Severe Kidney Disease P P
Less Severe Systemic Lupus Erythematosus P P • Diagnosed with Heart Attack
Liver Surgery P P
Receive 100% of FA for Advanced Stage
Loss of Hearing in One Ear P P ✓
Loss of One Limb P P
CI
Loss of Sight in One Eye P P ✓ Future premiums are waived
Major Organ Transplantation (on Waiting List) P P
Miliary Tuberculosis P P
Moderately Severe Paralysis P P JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
Myelitis P P 1 2 3 4 5 6 7 8 9 10 11 12
Osteoporosis with Fracture P P
Skin Transplantation P P
Surgery for Subdural Hematoma P P Diagnosed with Less Severe Heart
Surgical Removal of One Kidney P P •
Attack
Surgical Removal of One Lung P P
Angioplasty and Other Invasive Treatments for Coronary Artery Disease P P ✓ Receive 25% of FA for Early Stage CI Benefit
Insertion of a vena-cava filter P P ✓ 1 Year premium is waived
Surgical Removal of Pituitary Tumor P P

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• CONFIDENTIAL
RECOVERY BENEFIT
receive 2% of your face amount every month for 24 months when insured is diagnosed with any of the covered advanced critical illness.

Insured is
diagnosed with
Advanced CI

Monthly payment
for 24 months

IMPORTANT NOTES:

• The Recovery Benefit will be payable in 24 months.

• The number of payout months will only be reduced if insured dies before the end
of the 24th payout or the insured requested for the commuted lump sum
benefit. Undistributed payout will be added to your death benefit.

• Recovery Benefit will terminate after the 24th payout has been paid or upon
Death of the Insured.

• Termination of Recovery Benefit will not terminate the entire policy if there are
still unclaimed add-on benefits.

• No Recovery Benefit will be paid for the diagnosis of the 2nd ACI (under 2nd
Advanced Critical Illness Claim Benefit)

• Early Stage CI claim will not affect the Recovery Benefit amount.

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• CONFIDENTIAL
RECOVERY BENEFIT
Scenario 1

• Receive 2% of FA for 24 months •

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

• Diagnosed with an Advanced Stage Critical Illness

Scenario 2

• Receive 2% of FA • Insured dies. Receive remaining recovery benefit payout in lump sum

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24

• Diagnosed with an Advanced Stage Critical Illness

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• CONFIDENTIAL
2nd ADVANCED CRITICAL ILLNESS CLAIM BENEFIT
pays you an additional benefit equal to 100% of your Face Amount if you are diagnosed with Cancer, Heart Attack, or Stroke after your
first advanced critical illness claim.

Insured is diagnosed with Insured survived and recovered Insured is diagnosed with Cancer, Heart Attack
advanced CI or Stroke

Manulife pays remaining CI Manulife pays another benefit equal to the original
Benefit Advanced CI Benefit Amount

IMPORTANT NOTES:
• 2nd Advanced Critical Illness Claim Benefit terminates on the earliest of the following:

• the benefit is paid; or,

• upon death of the insured.

• Death Benefit and Maturity Benefit will not be restored under the 2nd Advanced Critical Illness Claim Benefit.

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• CONFIDENTIAL
2nd ADVANCED CRITICAL ILLNESS CLAIM BENEFIT
WAITING IMPORTANT NOTES:
SCENARIO 1ST CLAIM 2ND CLAIM
PERIOD • A new cancer type or an existing that progresses will be
covered as long as it occurs 3 years after the first
diagnosis. This benefit will still be given after 3 years of
1 Cancer Cancer 3 years
first diagnosis even if you have not yet recovered from the
first cancer.
Heart
2 Cancer Attack or 1 year • If the second claim is due to Heart Attack or Stroke, and
Stroke the first claim was due to Cancer, the diagnosis of the
Heart Attack or Stroke must be at least 1 year from the
Cancer,
Any CI Cancer claim.
Heart
3 except 1 year
Attack, or • If the second claim is due to Heart Attack or Stroke, and
Cancer
Stroke the first claim was also due to the same illness, the
second claim must be proven to be separate and new and
the diagnosis must be at least 1 year from the first claim.

• If the second claim is due to Cancer, Heart Attack or

Stroke, and the first claim was due to any illness except
Cancer, the diagnosis of the 2nd illness must be at least 1
year from the first claim.

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• CONFIDENTIAL
CHILD CRITICAL ILLNESS BENEFIT
we will pay an additional benefit equal to 25% of your Face Amount when insured is diagnosed with
any of the specified Child Critical Illnesses.

CHILD CRITICAL ILLNESS

• Type 1 Diabetes Mellitus

• Kawasaki Disease
Insured is diagnosed with any of the Receive 25% • Rheumatic Fever with Valvular Involvement
listed illness of Face Amount

• Still’s Disease

• Severe Asthma

IMPORTANT NOTES: • Dengue Hemorrhagic Fever

• Maximum FA of P1,000,000 • Autism
• Child Critical Illness Benefit terminates on the earliest of the
following: • Wilson’s Disease
• the benefit is paid;
• upon reaching age 18 of the insured; or,
• upon death of the insured.
• When Child CI is claimed, Child CI premium will be deducted
from future total premiums.
• Child CI will not trigger waiver of premium as listed child
illnesses are not part of the ACI and ESCI list.

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• CONFIDENTIAL
MALE OR FEMALE CANCER BENEFIT
we will pay an additional benefit equal to 25% of your Face Amount when insured is diagnosed with any of the specified Gender Specific
Critical Illnesses.

Insured is diagnosed with any of the listed illness Receive 25%

of Face Amount

MALE CANCER FEMALE CANCER

• Testicles • Breast

• Prostate • Cervix Uteri

• Penis • Uterus

• Breast • Ovary

• Fallopian Tube or Vagina

IMPORTANT NOTES:
• Maximum FA of P1,000,000
• Cancer Benefit terminates on the earliest of the following:
• the benefit is paid; or,
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• upon death of the insured.
HOSPITAL INCOME BENEFIT
We will provide allowance for each day of hospital confinement to help pay for medical expenses and doctor’s fees for a maximum of 1000 days
for one period of confinement on any one injury or sickness.

Daily Hospital Income (DHI) Double Benefit for Dread Triple Benefit for Intensive Care
Disease

Insured will receive an amount for benefit is doubled if confinement benefit is tripled if confined in the
each day of the hospital confinement is due to a dread disease (heart ICU
for max 1000 days attack, stroke, cancer, etc)

IMPORTANT NOTES:
• Issue Age should be from 15 – 55 years old.
• Minimum FA is Php 300 per day and maximum FA is lower of
0.2% FA or 10,000 per day.

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• CONFIDENTIAL
HealthFlex provides you a
more comprehensive plan
with customized coverages
and benefits that matter to
you.

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SAMPLE PREMIUMS
Age 20, 300K FA BASE PLAN ONLY (HealthFlex Cancer) WITH ALL BENEFITS (HIB 1K)

Male Female Male Female

5P 32,029 31,288 42,832.64 44,764.78

10P 16,438 16,111 22,056.06 22,879.30

P-60 9,547 9,472 10,981.82 11,339.53

Age 30, 300K FA

BASE PLAN ONLY (HealthFlex Cancer) WITH ALL BENEFITS (HIB 1K)

Male Female Male Female

5P 37,177 36,406 52,955.73 56,243.07

10P 18,574 18,253 26,513.12 27,988.03

P-60 10,372 10,315 12,760.28 13,527.65

Age 40, 300K FA BASE PLAN ONLY (HealthFlex Cancer) WITH ALL BENEFITS (HIB 1K)

Male Female Male Female

5P 43,612 42,355 66,656.64 70,440.26

10P 21,622 21,133 32,584.36 34,481.50

P-60 13,597 13,414 18,234.72 19,575.55

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• CONFIDENTIAL
SAMPLE PREMIUMS – FEMALE WITH FA OF 300K
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 27,712 14,635 9,751 28,582 14,905 9,802 28,990 15,058 9,775 29,569 15,208 9,823
0
Bundled 29,578 15,823 10,105 31,198 16,420 10,254 34,007 17,633 10,554 40,263 20,243 11,355
Base 28,945 15,109 9,469 29,818 15,391 9,523 30,130 15,487 9,499 30,748 15,691 9,550
10
Bundled 30,816 16,007 9,926 32,769 16,760 10,130 36,381 18,294 10,568 45,259 22,089 11,775
Base 31,288 16,111 9,472 32,137 16,414 9,538 32,299 16,453 9,511 32,941 16,681 9,580
20
Bundled 32,344 16,561 9,637 34,665 17,495 9,939 42,460 22,835 11,693 54,547 27,974 13,588
Base 36,406 18,253 10,315 36,748 18,415 10,381 36,409 18,301 10,357 36,868 18,514 10,450
30
Bundled 37,913 18,907 10,599 40,353 19,977 11,061 51,933 27,346 13,888 68,617 34,635 17,154
Base 42,355 21,133 13,414 42,967 21,436 13,594 42,448 21,268 13,546 43,216 21,646 13,774
40
Bundled 44,384 22,026 13,946 47,926 23,616 14,886 65,500 33,358 19,450 88,695 43,819 25,953
Base 51,277 25,558 52,441 26,155 51,556 25,879 52,906 26,572
50
Bundled 53,952 26,761 59,150 29,189 82,313 39,611 114,603 54,856
Base 64,498 32,512 66,670 33,853 64,795 33,268 67,174 34,744
60
Bundled 67,896 34,125 75,451 38,026 88,833 44,687 134,583 68,603
Base 96,046 45,757 99,649 48,595 96,541 48,247 100,318 51,547
70
Bundled 99,832 47,751 110,801 54,439 127,382 64,610 191,889 107,280

Bundled includes the pre-selected benefits.

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• CONFIDENTIAL
SAMPLE PREMIUMS – MALE WITH FA OF 300K
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 28,366 14,965 9,829 29,020 15,142 9,838 29,731 15,400 9,853 30,115 15,505 9,868
0
Bundled 30,361 16,233 10,250 32,014 16,843 10,389 35,197 18,198 10,747 42,271 21,221 11,659
Base 29,554 15,382 9,547 30,289 15,601 9,568 31,036 15,895 9,610 31,516 16,039 9,634
10
Bundled 31,344 16,152 10,137 33,561 17,014 10,361 37,581 18,739 10,865 47,824 23,145 12,264
Base 32,029 16,438 9,547 32,812 16,717 9,601 33,661 17,065 9,688 34,198 17,263 9,748
20
Bundled 32,615 16,685 9,637 35,451 17,841 10,011 43,837 23,457 11,866 57,881 29,465 14,105
Base 37,177 18,574 10,372 37,558 18,781 10,489 38,251 19,138 10,660 38,776 19,411 10,810
30
Bundled 38,007 18,927 10,523 41,340 20,404 11,182 53,695 28,123 14,133 73,398 36,778 18,070
Base 43,612 21,622 13,597 44,449 22,105 13,960 45,487 22,648 14,308 46,450 23,194 14,716
40
Bundled 44,815 22,141 13,895 49,901 24,485 15,342 68,748 34,774 20,194 96,940 47,646 28,437
Base 53,755 26,704 55,231 27,670 56,743 28,537 58,300 29,563
50
Bundled 55,571 27,505 63,280 31,308 88,942 42,983 129,572 63,074
Base 68,539 34,861 70,885 36,820 72,331 38,203 74,755 40,324
60
Bundled 71,240 36,134 83,454 43,108 100,568 52,171 161,120 87,801
Base 102,628 50,632 106,858 54,871 109,048 59,032 114,550 64,588
70
Bundled 106,153 52,546 126,235 65,953 148,168 81,869 243,280 159,275

Bundled includes the pre-selected benefits.

29

• CONFIDENTIAL
SAMPLE PREMIUMS – FEMALE WITH FA OF 500K
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 45,920 24,125 15,985 47,370 24,575 16,070 48,050 24,830 16,025 49,015 25,080 16,105
0
Bundled 49,025 26,094 16,575 51,725 27,090 16,823 56,407 29,112 17,323 66,833 33,461 18,658
Base 47,975 24,915 15,515 49,430 25,385 15,605 49,950 25,545 15,565 50,980 25,885 15,650
10
Bundled 51,087 26,402 16,277 54,342 27,657 16,617 60,363 30,213 17,347 75,159 36,538 19,358
Base 51,880 26,585 15,520 53,295 27,090 15,630 53,565 27,155 15,585 54,635 27,535 15,700
20
Bundled 53,639 27,334 15,795 57,508 28,891 16,297 70,500 37,792 19,221 90,645 46,356 22,379
Base 60,410 30,155 16,925 60,980 30,425 17,035 60,415 30,235 16,995 61,180 30,590 17,150
30
Bundled 62,922 31,245 17,398 66,988 33,028 18,168 86,288 45,309 22,879 114,094 57,458 28,322
Base 70,325 34,955 22,090 71,345 35,460 22,390 70,480 35,180 22,310 71,760 35,810 22,690
40
Bundled 73,707 36,443 22,976 79,609 39,092 24,542 108,899 55,330 32,148 147,558 72,765 42,986
Base 85,195 42,330 87,135 43,325 85,660 42,865 87,910 44,020
50
Bundled 89,654 44,336 98,316 48,380 136,919 65,750 190,737 91,157
Base 107,230 53,920 110,850 56,155 107,725 55,180 111,690 57,640
60
Bundled 112,893 56,608 125,483 63,107 147,785 74,208 224,034 114,066
Base 159,810 75,995 165,815 80,725 160,635 80,145 166,930 85,645
70
Bundled 166,119 79,318 184,397 90,460 212,030 107,410 319,541 178,525

Bundled includes the pre-selected benefits.

30

• CONFIDENTIAL
SAMPLE PREMIUMS – MALE WITH FA OF 500K
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 47,010 24,675 16,115 48,100 24,970 16,130 49,285 25,400 16,155 49,925 25,575 16,180
0
Bundled 50,329 26,779 16,817 53,085 27,795 17,048 58,390 30,054 17,646 70,179 35,091 19,165
Base 48,990 25,370 15,645 50,215 25,735 15,680 51,460 26,225 15,750 52,260 26,465 15,790
10
Bundled 51,968 26,643 16,628 55,663 28,080 17,002 62,364 30,955 17,841 79,435 38,299 20,173
Base 53,115 27,130 15,645 54,420 27,595 15,735 55,835 28,175 15,880 56,730 28,505 15,980
20
Bundled 54,092 27,542 15,795 58,818 29,469 16,417 72,795 38,828 19,510 96,202 48,841 23,242
Base 61,695 30,690 17,020 62,330 31,035 17,215 63,485 31,630 17,500 64,360 32,085 17,750
30
Bundled 63,079 31,279 17,271 68,633 33,740 18,369 89,225 46,605 23,287 122,062 61,029 29,850
Base 72,420 35,770 22,395 73,815 36,575 23,000 75,545 37,480 23,580 77,150 38,390 24,260
40
Bundled 74,425 36,635 22,891 82,901 40,541 25,301 114,313 57,690 33,389 161,300 79,142 47,126
Base 89,325 44,240 91,785 45,850 94,305 47,295 96,900 49,005
50
Bundled 92,352 45,575 105,199 51,912 147,969 71,370 215,684 104,854
Base 113,965 57,835 117,875 61,100 120,285 63,405 124,325 66,940
60
Bundled 118,467 59,957 138,819 71,574 167,342 86,680 268,259 146,058
Base 170,780 84,120 177,830 91,185 181,480 98,120 190,650 107,380
70
Bundled 176,655 87,310 210,111 109,638 246,669 136,169 405,180 265,166

Bundled includes the pre-selected benefits.

31

• CONFIDENTIAL
SAMPLE PREMIUMS – FEMALE WITH FA OF 1M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 51,130 24,480 12,950 51,510 24,640 12,980 52,030 25,050 13,080 52,520 25,260 13,140
0
Bundled 56,555 27,511 14,130 59,377 28,729 14,477 67,880 32,666 15,663 87,256 41,059 18,228
Base 59,670 28,080 13,630 60,420 28,400 13,730 60,650 28,580 13,820 61,530 28,970 13,940
10
Bundled 65,195 30,223 15,154 69,495 32,083 15,741 80,709 37,049 17,368 109,091 49,395 21,336
Base 72,010 33,510 15,640 73,190 34,060 15,830 73,190 34,100 15,890 74,610 34,720 16,110
20
Bundled 75,529 35,009 16,190 81,605 37,654 17,144 107,045 55,364 23,137 146,606 72,346 29,436
Base 89,840 41,500 20,210 91,740 42,370 20,580 91,350 42,300 20,630 93,500 43,280 21,060
30
Bundled 94,863 43,679 21,157 103,724 47,552 22,813 143,060 72,422 32,357 199,278 96,979 43,354
Base 115,530 53,540 32,390 118,350 54,890 33,210 117,240 54,580 33,200 120,450 56,120 34,150
40
Bundled 122,294 56,516 34,162 134,820 62,110 37,460 194,008 94,824 52,812 271,964 129,966 74,667
Base 151,180 70,780 155,940 73,150 153,460 72,450 158,730 75,080
50
Bundled 160,097 74,792 178,202 83,174 255,862 118,119 364,252 169,236
Base 201,700 96,790 210,040 101,790 204,050 99,980 212,970 105,390
60
Bundled 213,027 102,166 239,176 115,564 284,030 137,893 437,496 218,068
Base 304,120 140,270 316,930 150,070 305,130 148,880 319,970 160,210
70
Bundled 316,739 146,915 353,823 169,288 407,562 203,101 624,807 345,594

Bundled includes the pre-selected benefits.

32

• CONFIDENTIAL
SAMPLE PREMIUMS – MALE WITH FA OF 1M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 54,400 26,060 13,390 54,610 26,180 13,410 56,450 27,040 13,700 56,860 27,230 13,740
0
Bundled 60,274 29,378 14,794 63,771 30,919 15,240 73,831 35,431 16,666 96,521 45,339 19,692
Base 62,630 29,370 14,000 63,440 29,740 14,120 65,470 30,700 14,450 66,450 31,130 14,600
10
Bundled 67,904 31,100 15,965 73,618 33,596 16,755 86,543 39,322 18,618 120,051 53,956 23,346
Base 75,200 34,920 16,020 76,740 35,640 16,300 79,410 36,880 16,780 81,090 37,640 17,090
20
Bundled 77,155 35,744 16,320 85,530 39,383 17,649 113,312 58,173 24,021 160,013 78,298 31,583
Base 93,360 43,000 20,600 96,030 44,280 21,250 99,370 45,900 22,010 102,150 47,240 22,720
30
Bundled 96,128 44,178 21,103 108,619 49,675 23,532 150,823 75,830 33,556 217,519 105,100 46,872

Base 120,910 55,710 33,350 125,050 57,890 34,950 129,510 60,120 36,420 133,760 62,380 38,110
40
Bundled 124,920 57,440 34,343 143,171 65,781 39,503 206,998 100,501 55,992 301,980 143,819 83,764
Base 161,100 75,340 167,360 79,130 173,460 82,500 179,710 86,390
50
Bundled 167,154 78,010 194,104 91,169 280,716 130,580 417,160 197,967

Base 217,200 105,580 226,430 112,850 232,360 118,090 241,640 125,880

60
Bundled 226,203 109,825 268,126 133,554 326,348 164,471 529,303 283,814

Base 327,820 157,220 342,690 171,760 350,490 185,880 369,420 204,870

70
Bundled 339,570 163,600 406,577 207,999 480,382 261,484 797,585 519,499

Bundled includes the pre-selected benefits.

33

• CONFIDENTIAL
SAMPLE PREMIUMS – FEMALE WITH FA OF 3M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 152,590 72,640 38,050 153,730 73,120 38,140 155,290 74,350 38,440 156,760 74,980 38,620
0
Bundled 168,848 81,701 41,590 177,316 85,356 42,631 202,825 97,167 46,189 260,953 122,347 53,883
Base 178,210 83,440 40,090 180,460 84,400 40,390 181,150 84,940 40,660 183,790 86,110 41,020
10
Bundled 194,769 89,840 44,663 95,419 46,423 241,311 110,317 51,304 326,456 147,355 63,207
207,668
Base 215,230 99,730 46,120 218,770 101,380 46,690 218,770 101,500 46,870 223,030 103,360 47,530
20
Bundled 225,786 104,226 47,769 244,014 112,162 50,632 320,336 165,292 68,610 439,017 216,236 87,506
Base 268,720 123,700 59,830 274,420 126,310 60,940 273,250 126,100 61,090 279,700 129,040 62,380
30
Bundled 283,790 130,238 62,670 310,373 141,854 67,637 428,380 216,465 96,270 597,033 290,136 129,259
Base 345,790 159,820 96,370 354,250 163,870 98,830 350,920 162,940 98,800 360,550 167,560 101,650
40
Bundled 366,081 168,747 101,686 403,657 185,528 111,577 581,221 283,669 157,631 815,088 389,094 223,194
Base 452,740 211,540 467,020 218,650 459,580 216,550 475,390 224,440
50
Bundled 479,492 223,575 533,802 248,717 766,779 353,551 1,091,950 506,902
Base 604,300 289,570 629,320 304,570 611,350 299,140 638,110 315,370
60
Bundled 638,280 305,697 716,718 345,881 851,280 412,867 1,311,677 653,391
Base 911,560 420,010 949,990 449,410 914,590 445,840 959,110 479,830
70
Bundled 949,416 439,945 1,060,653 507,046 1,221,868 608,483 1,873,600 1,035,955

Bundled includes the pre-selected benefits.

34

• CONFIDENTIAL
SAMPLE PREMIUMS – MALE WITH FA OF 3M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 162,400 77,380 39,370 163,030 77,740 39,430 168,550 80,320 40,300 169,780 80,890 40,420
0
Bundled 180,005 87,303 43,581 190,496 91,925 44,919 220,678 105,463 49,197 288,748 135,186 58,274
Base 187,090 87,310 41,200 189,520 88,420 41,560 195,610 91,300 42,550 198,550 92,590 43,000
10
Bundled 202,896 92,470 47,095 220,038 99,958 49,464 258,814 117,136 55,054 359,337 161,038 69,238
Base 224,800 103,960 47,260 229,420 106,120 48,100 237,430 109,840 49,540 242,470 112,120 50,470
20
Bundled 230,664 106,433 48,160 255,789 117,349 52,145 339,136 173,720 71,261 479,238 234,094 93,949
Base 279,280 128,200 61,000 287,290 132,040 62,950 297,310 136,900 65,230 305,650 140,920 67,360
30
Bundled 287,585 131,735 62,508 325,055 148,225 69,794 451,668 226,690 99,865 651,756 314,500 139,812
Base 361,930 166,330 99,250 374,350 172,870 104,050 387,730 179,560 108,460 400,480 186,340 113,530
40
Bundled 373,961 171,521 102,229 428,711 196,540 117,705 620,191 300,702 167,174 905,137 430,655 250,485
Base 482,500 225,220 501,280 236,590 519,580 246,700 538,330 258,370
50
Bundled 500,663 233,229 581,509 272,703 841,343 390,934 1,250,673 593,091
Base 650,800 315,940 678,490 337,750 696,280 353,470 724,120 376,840
60
Bundled 677,810 328,674 803,562 399,840 978,230 492,597 1,587,086 850,611
Base 982,660 470,860 1,027,270 514,480 1,050,670 556,840 1,107,460 613,810
70
Bundled 1,017,910 490,000 1,218,888 623,147 1,440,314 783,614 2,391,895 1,557,622

Bundled includes the pre-selected benefits.

35

• CONFIDENTIAL
SAMPLE PREMIUMS – FEMALE WITH FA OF 5M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 254,050 120,800 63,150 255,950 121,600 63,300 258,550 123,650 63,800 261,000 124,700 64,100
0
Bundled 276,704 133,796 67,870 290,816 139,887 69,605 333,327 159,568 75,516 430,207 201,534 88,339
Base 296,750 138,800 66,550 300,500 140,400 67,050 301,650 141,300 67,500 306,050 143,250 68,100
10
Bundled 319,969 148,385 72,648 341,468 157,684 75,579 397,535 182,510 83,689 539,442 244,241 103,526
Base 358,450 165,950 76,600 364,350 168,700 77,550 364,350 168,900 77,850 371,450 172,000 78,950
20
Bundled 372,525 171,945 78,798 402,904 185,170 83,569 530,103 273,716 113,525 727,903 358,623 145,016
Base 447,600 205,900 99,450 457,100 210,250 101,300 455,150 209,900 101,550 465,900 214,800 103,700
30
Bundled 467,693 214,617 103,237 511,991 233,974 111,509 708,661 358,315 159,214 989,745 481,098 214,191
Base 576,050 266,100 160,350 590,150 272,850 164,450 584,600 271,300 164,400 600,650 279,000 169,150
40
Bundled 603,104 278,003 167,438 665,708 305,956 183,901 961,629 469,508 260,630 1,351,396 645,205 369,885
Base 754,300 352,300 778,100 364,150 765,700 360,650 792,050 373,800
50
Bundled 789,969 368,346 880,422 410,205 1,268,664 584,882 1,810,588 840,441

Base 1,006,900 482,350 1,048,600 507,350 1,018,650 498,300 1,063,250 525,350

60
Bundled 1,052,207 503,853 1,182,700 570,627 1,406,880 682,177 2,174,056 1,082,892

Base 1,519,000 699,750 1,583,050 748,750 1,524,050 742,800 1,598,250 799,450

70
Bundled 1,569,475 726,330 1,754,190 837,466 2,022,638 1,006,213 3,108,314 1,717,994

Bundled includes the pre-selected benefits.

36

• CONFIDENTIAL
SAMPLE PREMIUMS – MALE WITH FA OF 5M
HealthFlex Cancer HealthFlex 3CI HealthFlex Cancer+ HealthFlex 3CI+
Age
5P 10P P60 5P 10P P60 5P 10P P60 5P 10P P60
Base 270,400 128,700 65,350 271,450 129,300 65,450 280,650 133,600 66,900 282,700 134,550 67,100
0
Bundled 294,913 142,906 70,964 312,398 150,609 73,193 362,694 173,167 80,299 476,144 222,704 95,426
Base 311,550 145,250 68,400 315,600 147,100 69,000 325,750 151,900 70,650 330,650 154,050 71,400
10
Bundled 333,823 153,232 76,260 362,392 165,711 80,203 427,014 194,340 89,488 594,552 267,510 113,124
Base 374,400 173,000 78,500 382,100 176,600 79,900 395,450 182,800 82,300 403,850 186,600 83,850
20
Bundled 382,218 176,298 79,700 424,094 194,491 86,340 563,001 288,439 118,194 796,504 389,062 156,005
Base 465,200 213,400 101,400 478,550 219,800 104,650 495,250 227,900 108,450 509,150 234,600 112,000
30
Bundled 476,273 218,113 103,410 538,720 245,594 115,545 749,733 376,362 165,654 1,083,209 522,708 232,223
Base 602,950 276,950 165,150 623,650 287,850 173,150 645,950 299,000 180,500 667,200 310,300 188,950
40
Bundled 618,992 283,871 169,122 710,216 325,550 194,882 1,029,337 499,141 277,307 1,504,226 715,709 416,126
Base 803,900 375,100 835,200 394,050 865,700 410,900 896,950 430,350
50
Bundled 828,117 385,779 962,776 451,495 1,395,792 648,503 2,077,933 985,362
Base 1,084,400 526,300 1,130,550 562,650 1,160,200 588,850 1,206,600 627,800
60
Bundled 1,120,413 543,278 1,329,606 661,540 1,620,575 815,946 2,634,985 1,412,289
Base 1,637,500 784,500 1,711,850 857,200 1,750,850 927,800 1,845,500 1,022,750
70
Bundled 1,684,500 810,020 2,018,171 1,030,635 2,386,680 1,297,169 3,971,400 2,585,606

Bundled includes the pre-selected benefits.

37

• CONFIDENTIAL
38
HealthFlex 3CI + (Top 3 + Elderly and Other Critical Illnesses) Bundle

Mike is an established Director of Operations for a successful retail company who dotes on his only grandson. At age 50 and about to retire, he wants to
gift his 5-year old grandson a health plan that will shield him and his family from unexpected medical expenses. He opted for the HealthFlex 3CI + plan for
10 years with 3,000,000 coverage.

1 3 5

Diagnosed with Type 1 Diabetes Diagnosed with Prostate

• • Diagnosed with Diabetic Retinopathy •
Mellitus Cancer
Receive P750,000 Child CI Receive P750,000 Male
✓ ✓ Receive P750,000 Early Stage CI Benefit ✓
Benefit Cancer Benefit
No waiver of Receive P3,000,000 from 2nd
✓ ✓
premium CI Benefit
✓ Policy terminates

5 6 7 8 9 10 11 12 13 14 20 25 30 35 40 45 50 55 60 65 70 75 80 85 90 95 100
Pay period
• Amputation due to Complication from Diabetes
Advanced CI rebooted to 100%. Receives
• Buys HealthFlex 3C1+ • Mike passed away at 55 ✓
P3,000,000 benefit
Remaining premiums are Receive P60,000 every month for 24 months
✓ ✓
waived Recovery Benefit.

2 4

39

• CONFIDENTIAL
HealthFlex Cancer Bundle

This is Trisha, a 25-year-old sales associate who loves to go on weekend hikes and is a passionate runner. Despite enjoying an active and healthy lifestyle,
she worries that she can still get sick at any time. With a budget in mind, she was happy to sign up on a HealthFlex Cancer plan with a P300,000
coverage.

1 3

Diagnosed with Breast Cancer

• Hospitalized due to Dengue •
(ASCI).
✓ Receive P300 daily HIB allowance (max of 1000 days) ✓ Receive P300,000 benefit
Receive additional P75,000
✓
Female Cancer Benefit.
✓ Policy terminates.

25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 50 60 70 80 90 100
Pay period

• Buys HealthFlex Cancer 5 Pay. • Hospitalized due to stomach ulcer

✓ Receive P300 daily HIB allowance benefit (max of 1000 days)

40

• CONFIDENTIAL
• CONFIDENTIAL
42