Secure Your Family’s Future with St. Peter Life Plan
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St. Peter Life Plan, Inc. is a Pre-Need DeathCare Company that offers affordable life plans (memorial plans) to all segments of society. Established in 1970, it has maintained its leadership and excelled in its role as DeathCare Experts in the DeathCare Services Industry through the continuous development of its wide range of memorial plan products and services attuned to the changing needs of Philippine society.
St. Anne, St. Bernadette, St. Claire, St. James and St. Jude are plans payable for 5 years only while St. Gregory and St. George are payable in 5 years and 7 years only.
St. Peter Cremation Service can only be rendered by the ko following St Peter Chapels: BACOLOD ● BALIUAG ● CEBU ● DAVAO ● ILOILO ● MALOLOS ● MEYCAUAYAN ● QUEZON CITY ● STA MARIA BULACAN
Note: 10% discount will be given for Spot Cash Payment
Benefits & Features
CREDIT LIFE COVERAGE
If the planholder dies while still paying the plan and the plan is active, any remaining unpaid amount will be considered fully paid, according to the rules in the master policy between St. Peter and the insurance company.
Kung ang planholder ay mamatay habang nagbabayad pa at aktibo pa ang plano, ang natitirang balanse ay ituturing na bayad na, alinsunod sa mga patakaran sa master policy sa pagitan ng St. Peter at ng kompanya ng seguro.
CASH ASSISTANCE
If the planholder dies while still paying the plan and the plan is active, the beneficiary will receive cash assistance equal to the contract price minus the processing fee, following the rules and limits in the master policy between St. Peter and the insurance company.
Kung ang planholder ay mamatay habang nagbabayad pa at aktibo pa ang plano, ang beneficiary ay makakatanggap ng cash assistance na katumbas ng contract price bawas ang processing fee, ayon sa mga patakaran at limitasyon sa master policy sa pagitan ng St. Peter at ng kompanya ng seguro.
ACCIDENTAL DEATH AND DISMEMBERMENT
If the planholder dies or suffers accidental injury while still paying the plan and the plan is active, and if the planholder was between 18–55 years old when buying the plan, they will be covered for accidental loss of life, limbs, or sight caused by a sudden external accident.
The loss must happen within 180 days of the accident. Proof of the injury must be submitted within 90 days. Compensation will be as follows:
- Loss of life: Full contract price
- Loss of both hands, both feet, both eyes, or combinations of hand/foot and eye: Full contract price
- Loss of one hand, one foot, or one eye: Half of the contract price
These benefits are still subject to the standard exceptions and automatic discontinuation rules in the master policy between St. Peter and the insurance company.
Kung ang planholder ay mamatay o magkaroon ng aksidenteng pinsala habang nagbabayad pa at aktibo ang plano, at ang planholder ay nasa edad 18–55 sa pagbili ng plano, siya ay sakop para sa aksidenteng pagkawala ng buhay, mga kamay o paa, o paningin na dulot ng biglaang aksidente.
Ang pagkawala ay dapat mangyari sa loob ng 180 araw mula sa aksidente. Ang katibayan ng pinsala ay dapat isumite sa loob ng 90 araw. Ang kabayaran ay:
- Pagkawala ng buhay: Buong contract price
- Pagkawala ng parehong kamay, parehong paa, parehong mata, o kombinasyon ng kamay/pa at mata: Buong contract price
- Pagkawala ng isang kamay, isang paa, o isang mata: Kalahati ng contract price
Ang mga benepisyo ay sumasailalim pa rin sa mga karaniwang eksepsyon at awtomatikong pagtigil na nakasaad sa master policy sa pagitan ng St. Peter at ng kompanya ng seguro.
WAIVER OF INSTALLMENT
The planholder does not have to pay installments if they become disabled and the disability continues without interruption for at least six (6) months.
Ang planholder ay hindi na kailangang magbayad ng installment kung siya ay magiging disabled at ang disability ay tuloy-tuloy na tatagal ng hindi bababa sa anim (6) na buwan.
EXTENDED CASH ASSISTANCE BENEFIT
If the planholder dies within five (5) years after fully paying the plan, or before reaching age 65—whichever comes first—the beneficiary will receive cash assistance equal to the contract price minus the processing fee.
For spot cash purchases, the extended cash assistance will last for ten (10) years from the plan’s start date or until the planholder turns 65, whichever comes first.
Kung ang planholder ay mamatay sa loob ng limang (5) taon matapos mabayaran nang buo ang plano, o bago umabot sa 65 taong gulang—alin man ang mauna—ang beneficiary ay makakatanggap ng cash assistance na katumbas ng contract price bawas ang processing fee.
Para sa spot cash purchase, ang extended cash assistance ay tatagal ng sampung (10) taon mula sa petsa ng bisa ng plano o hanggang sa umabot ang planholder sa 65 taong gulang, alin man ang mauna.
UNRENDERED SERVICE
If any of the situations in Article VI happen and St. Peter cannot provide the memorial services, St. Peter will return to the planholder’s beneficiaries, heirs, or successors an amount based on the Table of Termination Values in Article XIV. After that, St. Peter will have no further financial obligations, and the plan will be automatically cancelled.
However, the planholder’s beneficiaries, heirs, or successors can choose to keep the plan and still receive the memorial services in the future.
Kung mangyari ang alinman sa mga sitwasyon sa Article VI at hindi maibigay ng St. Peter ang memorial services, ibabalik ng St. Peter sa mga beneficiary, legal na tagapagmana, o tagapagpalit ng planholder ang halaga batay sa Table of Termination Values sa Article XIV. Pagkatapos nito, wala nang anumang obligasyong pinansyal ang St. Peter at ang plano ay awtomatikong makakansela.
Gayunpaman, maaari pa ring piliin ng beneficiary, tagapagmana, o tagapagpalit ng planholder na panatilihin ang plano at maaring matanggap ang memorial services sa hinaharap.
ASSIGNMENT / TRANSFER
A. Assignment to a Deceased Person
The privileges and benefits of the memorial services can be assigned to a deceased third person, under these conditions:
- The plan must be up-to-date. A lapsed plan cannot be assigned.
- The assignment must be in writing, signed by the planholder, in standard company form, delivered to St. Peter or its authorized representative, and the assignment fee must be paid.
- Any insurance coverage for the planholder will automatically end.
- The plan cannot be assigned within 30 days from the plan’s start or reinstatement date.
B. Transfer to a Living Person
The planholder may transfer the plan to another living person, subject to these rules:
- The transfer must be in writing and approved by the transferee, who must qualify as a new planholder (insurance eligibility).
- The transfer must be delivered to St. Peter for approval. A new contract will be issued to the new planholder.
- Transfer can only occur 30 days after the plan’s start or last reinstatement, and the plan must be current.
- Any insurance coverage of the transferor will automatically end.
- A plan that has lapsed for more than one (1) year is automatically cancelled and cannot be transferred or assigned.
- St. Peter is not responsible for any transfer not recorded and approved at its head office or authorized branches. The transfer is effective only upon St. Peter’s approval, payment of the transfer fee, and issuance of a new contract to the new planholder.
A. Pag-assign sa Yumao
Ang mga pribilehiyo at benepisyo ng memorial services ay maaaring i-assign sa yumao na ikatlong tao, sa mga sumusunod na kondisyon:
- Dapat up-to-date ang plano. Ang lapsed na plano ay hindi maaring i-assign.
- Ang assignment ay dapat nakasulat, pirmado ng planholder, gamit ang standard company form, at ipasa sa St. Peter o awtorisadong kinatawan nito, at dapat bayaran ang assignment fee.
- Ang anumang insurance coverage ng planholder ay awtomatikong matatapos.
- Ang plano ay hindi maaring i-assign sa loob ng 30 araw mula sa petsa ng bisa o reinstatement ng plano.
B. Pag-transfer sa Buhay na Tao
Maaaring i-transfer ng planholder ang kanyang plano sa ibang buhay na tao, sa mga sumusunod:
- Dapat nakasulat ang transfer at aprubahan ng transferee, na kailangang pumasa sa kwalipikasyon bilang bagong planholder (insurability).
- Ang transfer ay dapat ipasa sa St. Peter para sa approval. Magbibigay ng bagong kontrata sa bagong planholder.
- Maaaring gawin ang transfer lamang 30 araw pagkatapos ng petsa ng bisa o huling reinstatement, at dapat up-to-date ang plano.
- Ang anumang insurance coverage ng transferor ay awtomatikong matatapos.
- Ang plano na lapsed ng mahigit sa isang (1) taon ay awtomatikong kinansela at hindi na maaring i-transfer o i-assign.
- Ang St. Peter ay hindi responsable sa anumang transfer na hindi naitala at naaprubahan sa head office o authorized branch. Epektibo lamang ang transfer kapag naaprubahan ng St. Peter, nabayaran ang transfer fee, at naibigay ang bagong kontrata sa bagong planholder.
Frequently Asked Questions
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How Online Purchase Works
2. Select Spot Cash or Installment term, then Add to Cart.
3. Sign In / Register your eStore account.
4. Complete payment and get instant confirmation.
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