Dollar Protect Plus

Building your wealth and dream future

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Dollar Protect Plus

A regular-pay savings and life insurance plan that allows you to invest in U.S. dollar-denominated funds so you can protect your future and the life you built for you and your family 

Issue age

0 to 65 years old

Coverage period

Whole life

Buy via

BPI AIA Bancassurance Sales Executive


Policy benefits

The million dollar question

Insurance lingo

An amount of money paid all at once to the policy owner, insured, or beneficiary/ies, depending on the policy’s terms and conditions. Examples are death benefit, and maturity 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

It is a written document that contains terms and agreement between BPI AIA Life and the policy owner

It is a health rewards program that gives you exclusive gifts and discounts from partner brands when you meet your fitness goals

Terms & conditions

  • The minimum premium required may increase depending on the occupational and medical ratings of the proposed Insured. Optional benefits will require separate premium.
  • Dollar Protect Plus is designed to provide you and your family with security and peace of mind through a U.S. dollar-denominated protection. Your premiums are scheduled to be paid according to the premium payment option—either for 10 years or while your policy is active. Paying according to the policy’s premium term will allow you to achieve optimal benefits and match long-term financial goals.

This product is a U.S. dollar-denominated insurance plan which is unit-linked and allows 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 may choose a maximum of 3 funds among the 3 available funds -

  • BPI AIA Global Bond Fund
  • BPI AIA World Equity Fund
  • BPI AIA U.S. Equity Fund

These underlying investment funds are being managed by BPI Asset Management and Trust Corporation (BPI-ATMC).

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 the said risks, a risk disclosure statement is provided in the Client Suitability Assessment Form.

Dollar Protect 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 Dollar Protect 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/terminal 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.

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