Should total and permanent disability or a covered critical illness occur, enjoy peace of mind that your policy will continue.

Gain extra protection with an additional 100% PA benefit for death or dismemberment due to an accident, accidents caused by public transportation, or natural events whichever occurs first, and before reaching age 75.

Receive added coverage if you experience a total and permanent disability due to bodily injury or illness before age 65.

Benefit from a lump sum cash payout if diagnosed with any of the 10 specified critical illnesses before age 75.

Boost your coverage with comprehensive in-patient hospitalization, select out-patient services, and extra medical support to ease financial burdens during health crises.

Secure extra cash benefits for up to 365 days of hospitalization - so you can focus on recovery without financial worry.

Ensure that if the policy's payor faces untimely death or total and permanent disability (especially when the insured is a minor), all premiums are waived. This is mandatory if the insured is a minor.

In cases where the payor is different from the insured, enjoy extra coverage for the payor in the event of untimely death.

The Payments made for your life insurance policy.

The amount that will be the basis of your benefits – insurance coverage, death benefit multiplier, and maturity benefit.

Additional protection coverage you can attach to your plan to address your specific needs. Payments for these Riders are separate from the premiums for your base plan.

A life insurance policy that combines protection with an investment component that allows policy holders to invest a portion of their premiums in a variety of sub-accounts and grow their finances.

A feature that allows customization of the death benefit based on the policy owner’s goals and priorities. You can choose from high, medium, or low Death Benefit Multiples, depending on whether you prefer greater protection coverage or higher investment allocation.

5-Pay: PHP 50,000/year
Pay-to-age 65: PHP 25,000/year

Customize your plan by focusing on comprehensive protection or high savings based on your budget and priority.​

How it works:

Customer Budget is PHP 25,000.

If you want more protection (higher death benefit), you can choose a higher death benefit multiplier.

PHP 25,000 x 50 = PHP 1,250,000 Death Benefit which your beneficiary will receive in case of unexpected death.

If you want to focus more on savings growth, you can choose a lower death benefit multiplier so you can allocate more towards your investment.

PHP 25,000 x 10 = PHP 250,000 Death Benefit.

(Subject to terms and conditions)

Loyalty Bonus: Pay your premiums on time and get 2.5% - 3% additional bonuses added to your account value.

Premium Extension Bonus: Choose to pay more premiums than planned and get an extra 2% of your premiums added to your account value.

No Lapse Guarantee: Your policy will be intact in the first 5 years even if the account value becomes zero.

(Subject to terms and conditions)

Get a lump sum cash benefit upon diagnosis of covered critical illnesses:

• Cancer
• Coma
• End Stage Lung Disease
• Heart Attack
• HIV due to Blood Transfusion and Occupationally Acquired HIV
• Kidney Failure
• Liver Cirrhosis
• Stroke
• Terminal Illness
• Vital Organ Transplant

This rider is a supplementary benefit that covers up to 90% of your medical expenses during hospitalization (after PhilHealth deduction) so you only have to pay for the remaining 10%. Moreover, this enhanced rider covers:

• Pre and Post Hospitalization Care (Consultations, Diagnostic Tests, and Medicines)
• Emergency Outpatient (Trauma and Non-Trauma)
• Annual Physical Exam
• Dental Care
• 24/7 Teleconsultation
• Mental Health Counselling
• Health Habits and Diet Counselling

(Subject to terms and conditions)

Perfect for young professionals starting to build their careers and setting goals for a financially secure future for themselves and their loved ones. BPI AIA Prosper offers an affordable way to begin the journey toward long-term savings growth.

Perfect for millennial parents who aim to secure their children's future with financial stability. These parents, starting their families, seek both protection and savings in one plan, ensuring they leave their loved ones a secure future and peace of mind in case the unexpected happens.

BPI AIA Prosper allocates part of your premiums to help grow your policy's account value through the help of BPI Wealth.

Participating Funds:

• BPI-Philam Peso Bond Fund
• BPI-Philam Equity Index Fund 3

The contents of this page are for illustration purposes only. Actual terms and conditions are found in the Policy Contract. In case of conflict, the terms of the policy shall prevail.

Upon receiving the Policy Contract, you may refer to it for the full details on critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract you decide that this plan is not suitable for your needs, simply return it to BPI AIA within 15 days from the date you or your authorized representative received it, and we will refund total premiums you have paid.