Skip to main content
  • Search
  • Home
  • Our Products
    • Protection
    • Health
    • Savings
    • Wellness Series
    • Insurance with investment
    • BPI AIA Direct
    • Partnership Insurance
    • Corporate Solutions
  • Key Moments
    • Building My Wealth
    • Getting Married
    • Becoming A Parent
    • Working Abroad
    • Planning For Retirement
    • Running A Business
  • About Us
    • Our People
    • Media Center
    • Corporate Governance
    • Our Commitments
    • Events & Promotions
    • Careers
    • Our Customer Charter
    • Our Internet Security Arrangement
  • Claims & Support
    • Contact Us
    • Contact Info Update
    • BPI AIA Funds
    • Payment Facilities
    • Benefit Payout Enrolment
    • Frequently Asked Questions
    • Claims Guide
    • Forms Library
    • Bill of Rights of Policyholders
  • Total Health Solution
    • Live Better
    • Get Better
    • Protect Better
    • My AIA PH
  • My BPI AIA
    • Bancassurance Portal
    • My AIA
    • REQUEST My AIA ACCESS
    • Bancassurance 101
BPI AIA
BPI AIA BPI AIA
  • Our Products

    Our Products

    Find a life insurance plan according to your needs

    SEE MORE

    For Individuals

    For Corporations

    • Protection

      Put yourself at ease by protecting those you love

    • Health

      Protect yourself from unforeseen medical costs and focus on getting better

    • Savings

      Make saving for the future within your reach

    • Wellness Series

      Protection solutions that reward your healthy choices

    • Insurance with investment

      Make the most out of your hard-earned money

    • BPI AIA Direct

      Affordable protection products readily available

    • Partnership Insurance

      Affordable insurance to protect yourself and your family

    • Corporate Solutions

      Protect your company's best assets

  • Key Moments

    Key Moments

    Where are you in life's key stages?

    VIEW ALL KEY MOMENTS
    • Building My Wealth

      Setting yourself up for success

    • Getting Married

      Embark on a beautiful journey as husband and wife

    • Becoming A Parent

      Preparing your child's future

    • Working Abroad

      Setting aside in order to come home for good

    • Planning For Retirement

      Having time to do things that you have always wanted to do

    • Running A Business

      Take care of your most important asset

  • About Us

    About Us

    BPI AIA is a partnership of financial icons

    Know more
    • Our People

      The foundation of our success

    • Media Center

      News and information about BPI AIA

    • Corporate Governance

      ASEAN Corporate Governance Scorecards

    • Our Commitments

      Partnerships and community initiatives

    • Events & Promotions

      Here’s what’s happening in BPI AIA

    • Careers

      Explore opportunities to bring real ambition to life

    • Our Customer Charter

      This is our commitment to you.

    • Our Internet Security Arrangement

      Safeguarding your data.

  • Claims & Support

    Claims & Support

    We strive to provide the best service for our customers

    Contact BPI AIA
    • Contact Us

      Cannot find the answer in our FAQ section? Contact us now

    • Contact Info Update

      Easily update your contact information with us to receive timely updates on your policy.

    • BPI AIA Funds

      BPI AIA and Ayala Life Funds Information

    • Payment Facilities

      We make it easy to pay your premium. Choose the best payment option for you.

    • Benefit Payout Enrolment

      Receive your benefits via our convenient payout options.

    • Frequently Asked Questions

      Have a question? You may find the answer here

    • Claims Guide

    • Forms Library

      A selection of forms you can download, fill in and send back to us

    • Bill of Rights of Policyholders

      The Bill of Rights details an insurer's obligations to consumers to better protect policyholders.

  • Total Health Solution

    Total Health Solution

    • Live Better

      Enjoy a healthier, better, longer life with AIA Vitality.

    • Get Better

      Be on the road to full recovery with access to health care services.

    • Protect Better

      Be better protected against life's uncertainties so you can live worry-free.

    • My AIA PH

      Welcome to My AIA! It's your new all-in-one customer portal for your policy, health and wellness needs. Login and try it today!

  • My BPI AIA

    My BPI AIA

    Access your BPI AIA accounts

    • CUSTOMER

      My AIA

      View the status of your policy & claim requests, monitor your policy’s account values, and keep tabs of your payments & benefits history.

    • BSE

      Bancassurance Portal

    • Bancassurance 101

      BPI AIA is the number one bancassurance company in the Philippines. Find an affordable life insurance product in 800+ BPI branches nationwide.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 5pm, Mon - Fri

    • Leave Us a Message

Planning For Retirement
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • 4 Ways to Retire with Health and Wealth

    22 April 2021


    4 Ways To Retire with Health and Wealth Banner

    Retirement can seem like a reward after decades of hard work. For many, it means freedom from the daily grind, but it also means that you lose access to your usual sources of income. This can be a scary thought, especially when you think of the increased need for healthcare as you grow older.

    This double-edged sword that comes with retirement should not stop you from looking forward to this stage in your life. Here are some handy tips that can help you enjoy your retirement with both your health and wealth intact.

    1 Protect your wellness by ensuring your income through low-risk investments. Build a retirement fund that also takes your wellness into consideration. Wellness does not mean the absence of disease. It is achieved when both the mind and body are balanced and well-functioning. Preparation is an effective strategy in ensuring that your retirement is not riddled with anxiety.

    It is never too soon to prepare for retirement. In fact, the earlier you start, the more chances for you to grow a nest egg. In building a portfolio specifically for retirement, go for low-risk options, such as treasury, government, or corporate bonds. If investing in the stock market, opt for preferred or blue-chip stocks.

    Low-risk investments usually mean that your returns are more conservative, but these give the benefit of financial stability in the future.

    2 Diversify your portfolio to gain funds for health and wellness pursuits. While low-risk investments are great for your peace of mind, they do not always produce the highest financial yields. If you want to live comfortably, then you should be more active in trying to get bigger returns from your investments.

    Set aside a certain amount for more aggressive sources of income. For example, you can set up a business. You can also choose to buy real estate so you can have assets later on in life. These riskier financial moves should be done early so that you are already able to establish your expertise once retirement occurs.

    Rising costs of living make it difficult to live on passive income alone. Even with the cushions provided by benefits, you need to be proactive in getting income when you retire so you can enjoy this next phase of life.

    3 Ensure that you have cash so you can adequately respond to your needs. Do not forget the importance of liquidity in preparing for your retirement. Having cash in the bank that you can easily access is vital in case of emergencies. Knowing that there is money for your immediate needs is a great way to ease your worries.

    Build up your cash by having a separate account for your emergency fund in a savings account. You can get the money quickly without worrying about fluctuations in the market. You can also set up a time deposit account for money that you plan to use a few years down the line.

    4 Make sure that you are debt-free. Debt is sink or swim. If you miss a payment, the interest can snowball into something that can derail your finances in the long-term. There are occasions when debt is necessary, such as a mortgage for a house or a car. But be prudent in your choices when it comes to debt.

    The ideal situation in retirement is to enter it without any financial obligations. You can opt for shorter payment terms or top-off payments when you can to prioritize wiping away debt.

    Being debt-free will allow you the freedom to choose the kind of lifestyle you want to live. You won't have to chase a certain amount each month because your entire income is yours to spend as you wish.

    It is equally important to avoid debt when you retire. Medical emergencies or accidents can be a significant expense in the future. Although no one wants them to happen, it is a reality that the later years of life require more healthcare.

    Prepare for these situations by investing in health coverage early on. Plans such as Critical Care 100 and MedLife Protect Plus provide benefits such as in-patient hospitalization costs and life insurance. Availing of these early can ensure that you get access to medical attention when needed, without draining your finances.

    To find out more about how to plan the retirement you want, submit this inquiry form so we can tell you about the many products that can protect you and your loved ones' future.

    Live Longer, Healthier, and Better

    Invest in both your health and wealth with BPI AIA Wellness Series

    AIA Vitality

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
    Newsletter

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

      

    Explore BPI AIA

    Our Products

    Key Moments

    About BPI AIA

    Who we are

    Our People

    Media Center

    Careers

    GO TO

    AIA Philippines

     

    BPI

     

    AIA.COM

    Learn more about AIA Group

    EXPLORE BPI AIA

    Our Products

    Key Moments

     

     

    ABOUT BPI AIA

    Who we are

    Our People

    Media Center

    Careers


    Copyright 2016. AIA Group and its subsidiaries. All rights reserved.
    Terms of Use | Privacy Statement | Cookie Policy

    This website uses cookies for the purpose of enhancing your user experience. You can find more information on the types of cookies we collect, what we use these for, and how to manage your cookie settings in our Cookie Policy and Privacy Statement.