In a world full of maybes, BPI AIA ADDvantage gives you what you can count on — lifelong protection, guaranteed cash payouts, milestone bonuses, and potential dividends designed to support you through every stage of life.
- Overview
- Policy benefits
- Premium Calculator
- Important details
Built for a Life Filled with Confidence
Policy Benefits
Enjoy lifelong protection and dependable income you can grow over time—helping you live life with confidence.
Guaranteed Life Coverage
Receive lifetime protection with coverage higher of 200% of face amount or total premiums paid, less any payouts already received—helping provide your loved ones with continued financial support no matter what.
Guaranteed Cash Payouts
Enjoy guaranteed cash payouts equivalent to 10% of your face amount every other year, starting as early as the end of policy year 5—with the flexibility to withdraw or keep them in the policy to grow over time.
Guaranteed Milestone Bonus
Celebrate a life well-lived with a 25% cash bonus of the face amount when you reach ages 80 and 90.
Guaranteed Maturity Benefit
Receive a lump-sum cash benefit worth 150% of your face amount at age 100, plus all accumulated cash payouts and dividends kept within the policy, if the Insured reaches maturity.
Potential Dividends
Earn non-guaranteed dividends, which you can leave to grow with interest over time.
Additional Key Features
Your plan comes with added features designed to make protection simpler, more accessible, and flexible for your financial journey and evolving needs
Fast and easy application with no medical requirements needed
*Applicable to Single Pay, 2-Pay and 5-Pay terms
Get protected up to age 75, giving you more flexibility to start building long-term financial security even later in life.
Made for Your Evolving Needs and Long-Term Goals
Preparing you to live life with confidence at every stage — especially during your retirement years and beyond.
BPI AIA ADDvantage Premium Calculator
Get a sample computation based on your information
This is a sample quote. Your actual premium will depend on yor personal details and eligibility.
| Product Features and Sample Benefit Amounts Sample amount only. Actual Face Amount will depend on the customer, subject to minimum and maximum limits. |
|
|---|---|
| Plan's Sample Face Amount | ₱ 1,000,000 |
| 200% Life Insurance Coverage in case of Death of the Insured | ₱ 2,000,000 |
Guaranteed Cash Payout every other year starting at the end of:
|
₱ 100,000 |
| Guaranteed Milestone Bonus at Age 80 and 90 | ₱ 250,000 |
Additional Disclaimers:
- Numbers reflected are for illustration purposes only and must not be used as the sole basis of the premium payment for the policy.
- Sample scenarios shown do not include additional option riders. Attachment of riders will have an impact to the total possible premium amount for the policy.
- In the event of any discrepancy, the Sales Illustration generated by the AIA Life Planner will be honored.
- The amounts here can be changed by the company as needed without the need to inform previous viewers of this product page and users of this sample calculator.
- For additional questions about this product, please reach out to an AIA Life Planner.
Sample Timeline of Benefits
See how BPI AIA ADDvantage supports you at every stage
Complete a one-time premium payment to secure 200% life insurance coverage and benefits until age 100.
Start receiving non-guaranteed dividends when available. These can be taken as cash or left with the policy to accumulate interest over time.
Starting at the end of Policy Year 5, receive guaranteed cash payouts equal to 10% of your Face Amount every other year.
Upon reaching age 80, receive a guaranteed milestone bonus equal to 25% of your Face Amount.
Upon reaching age 90, receive another guaranteed milestone bonus equal to 25% of your Face Amount.
If you reach age 100, receive a guaranteed maturity benefit equal to 150% of your Face Amount.
Make your first premium payment to secure 200% life insurance coverage and benefits until age 100.
Start receiving non-guaranteed dividends when available. These can be taken as cash or left with the policy to accumulate interest over time.
After paying annually for 2 years, your plan is fully paid.
Starting at the end of Policy Year 5, receive guaranteed cash payouts equal to 10% of your Face Amount every other year.
Upon reaching age 80, receive a guaranteed milestone bonus equal to 25% of your Face Amount.
Upon reaching age 90, receive another guaranteed milestone bonus equal to 25% of your Face Amount.
If you reach age 100, receive a guaranteed maturity benefit equal to 150% of your Face Amount.
Make your first premium payment to secure 200% life insurance coverage and benefits until age 100.
Start receiving non-guaranteed dividends when available. These can be taken as cash or left with the policy to accumulate interest over time.
After paying either annually/semi-annually/quarterly, or monthly for 5 years, your plan is fully paid.
Starting at the end of Policy Year 8, receive guaranteed cash payouts equal to 10% of your Face Amount every other year.
Upon reaching age 80, receive a guaranteed milestone bonus equal to 25% of your Face Amount.
Upon reaching age 90, receive another guaranteed milestone bonus equal to 25% of your Face Amount.
If you reach age 100, receive a guaranteed maturity benefit equal to 150% of your Face Amount.
Make your first premium payment to secure 200% life insurance coverage and benefits until age 100.
Start receiving non-guaranteed dividends when available. These can be taken as cash or left with the policy to accumulate interest over time.
Starting at the end of Policy Year 8, receive guaranteed cash payouts equal to 10% of your Face Amount every other year.
After paying annually/semi-annually/quarterly, or monthly for 10 years, your plan is fully paid.
Upon reaching age 80, receive a guaranteed milestone bonus equal to 25% of your Face Amount.
Upon reaching age 90, receive another guaranteed milestone bonus equal to 25% of your Face Amount.
If you reach age 100, receive a guaranteed maturity benefit equal to 150% of your Face Amount.
Make your first premium payment to secure 200% life insurance coverage and benefits until age 100.
Start receiving non-guaranteed dividends when available. These can be taken as cash or left with the policy to accumulate interest over time.
Starting at the end of Policy Year 8, receive guaranteed cash payouts equal to 10% of your Face Amount every other year.
After paying annually/semi-annually/quarterly, or monthly for 20 years, your plan is fully paid.
Upon reaching age 80, receive a guaranteed milestone bonus equal to 25% of your Face Amount.
Upon reaching age 90, receive another guaranteed milestone bonus equal to 25% of your Face Amount.
If you reach age 100, receive a guaranteed maturity benefit equal to 150% of your Face Amount.
Optional Riders
Use additional benefits to your advantage for enhanced protection.
Provides a cash benefit in case of Total and Permanent Disability due to bodily injury or disease prior to age 65 of the Insured, equal to 100% of the Basic Face Amount or ₱75,000,000, whichever is lower.
Grants coverage for accident-related conditions prior to age 75 of the Insured. Receive an additional 100% of the PA benefit if the accident is due to Public Transportation or Acts of Nature.
Shields your loved ones from medical expenses with a lump sum amount in case the Insured gets diagnosed with any of the listed Critical Illnesses prior to age 75.
Covers daily hospital expenses through financial support for each day the Insured is hospitalized due to a covered Illness or Injury, based on a Physician's recommendation, for up to 365 days per confinement. No minimum number of days required to claim.
Helps pay for hospital expenses, plus additional outpatient and value-added benefits. No cash surrender value. Coverage may be suspended if premiums are unpaid and will resume once payment is posted.
Important Details
Reminders on your policy's guaranteed and non-guaranteed benefits.
Insurance lingo
This provides you with scheduled cash payouts that varies on your payment terms and continues for as long as your plan is active.
This is the base value of your policy used to calculate all benefits, including death, maturity, and cash payouts.
This begins at the end of the Policy Year 5 and every two years after that where you’ll receive up to 10% of the Face Amount and continues as long as the plan remains active.
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