Build Estate Plus

Preserving the value of your legacy

icon health

Build Estate Plus

A unit-linked protection plan for your estate planning requirements, designed to protect your legacy with a life insurance benefit your family can use to settle estate taxes if the unexpected happens 

Issue age

18 to 70 years old

Coverage period

Whole life

Buy via

BPI AIA Bancassurance Sales Executive


Policy benefits

Optional add-ons

Get additional insurance coverage with these riders

Receive additional cash support to fund medical expenses for hospitalizations, injuries and disabilities caused by accidents

Reimburse care and treatment costs and receive weekly cash payouts for up to 26 weeks after being totally disabled due to an accident

Should you become permanently disabled, you won’t have to pay your future premiums and top-ups anymore

Receive an annual cash benefit worth your waived premium to replace lost income due to permanent disability

You won’t have to make future premium payments upon diagnosis of any of the covered 56 major critical illnesses, provided that you have not been previously diagnosed with any of the 11 covered early-stage conditions

Insurance lingo

This is a type of life insurance plan where a portion of your payments are placed in investment funds that can grow your money in the long-term

This is the one-time payout we’ll provide your beneficiaries when the unexpected happens. It is also known as a death benefit.

These are the available fund options managed by the life insurance company, where you can allocate a portion of your policy premiums

This is the value of your investment in the fund/s linked to your policies

This is the fee you pay us to keep your insurance policy active. It may be paid monthly, quarterly, semi-annually, or annually.

These are supplementary benefits you can add to your plan that can increase your coverage or address specific needs or concerns

Terms & conditions

Please consult your accountant and lawyer on the potential amount of your estate tax, so we could recommend a life insurance coverage.

In the future, if the Account Value is insufficient to pay for charges, it is possible that additional payments through top-ups will be required to keep the policy in-force.

This is a regular-pay, peso-denominated insurance plan which is unit-linked – allowing clients to participate in the potentially high returns from the financial market, with the convenience of placing additional investments through top-ups on a regular or ad-hoc basis. It can be customized and changed over time depending on client’s changing need, with a comprehensive set of unit-linked riders available to provide additional protection benefits.

You have the option to choose a maximum of 3 funds among the 8 available funds. These underlying funds are managed by BPI-Asset Management and Trust Group (BPI-AMTG) and BPI Investment Management Inc. (BIMI):

1. BPI AIA Peso Bond Fund
2. BPI AIA Odyssey Bond Fund
3. BPI AIA Odyssey Balanced Fund
4. BPI AIA Balanced Fund
5. BPI AIA Philippine High Dividend Equity Fund
6. BPI AIA Peso Equity Index Fund 2
7. BPI AIA Growth Fund
8. BPI AIA Odyssey High Conviction Equity Fund

Note: Investment funds listed above are subject to availability upon product availment.

Purchasing a unit-linked life insurance product has its advantages and trade-offs. Investing in a unit- linked product, you must understand that the product may be subject to investment risks which include, but are not limited to interest rate risk, market/price risk, liquidity risk, credit/default risk, reinvestment risk, foreign exchange risk, and country risk which could affect the value of the policy. The Company is guided by Investment Policies and Guidelines in managing these risks; however, this does not guarantee investment returns nor protection against capital loss. To further understand the nature of said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

Build Estate Plus is a unit-linked 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.

Actual terms and conditions of Build Estate Plus are found in the Policy. In case of conflict, the Policy terms shall prevail.

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.

Upon receiving the policy contract, you may refer to the document for full details on the critical illness definitions, 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 you or your authorized representative received it and we will refund the Account Value plus the Policy Charges that have been deducted.

Get in touch