A Guide to Traditional Plans of Insular Life Insurance
Life Insurance Educational Guide
Understanding Insular Life Insurance Plans
A Complete Guide to Life Insurance and Traditional Plans
What is Insular Life?
Insular Life, also known as InLife, is one of the oldest and most trusted Filipino-owned life insurance companies in the Philippines.
Founded in 1910, Insular Life provides financial protection solutions that help individuals, families, and businesses prepare for life's uncertainties through life insurance, health protection, savings, retirement, and investment-related products.
The company focuses on helping Filipinos secure their financial future through long-term financial planning and protection.
Many families work hard to build their future, but few are financially prepared when unexpected situations happen. Financial protection plays an important role in preserving stability and protecting long-term goals.
Traditional Insurance Plans Offered by Insular Life
Below are some traditional insurance categories commonly associated with long-term financial protection and planning:
Whole Life Insurance
Lifetime financial protection with guaranteed benefits
Term Insurance
Affordable temporary life protection for a fixed period
Endowment Plans
Protection with guaranteed cash payouts at certain periods
Critical Illness Plans
Financial support in case of major illnesses
Retirement Plans
Long-term preparation for retirement income
Education Plans
Future educational funding for children
Health Protection Plans
Medical and hospitalization related protection
Frequently Asked Questions
Traditional Insurance focuses primarily on guaranteed protection and fixed insurance benefits, while VUL combines insurance protection with investment-linked components.
People get life insurance to help protect their family financially, preserve income, prepare for future expenses, and reduce financial risks caused by unexpected situations.
No. Life insurance may also help young professionals, business owners, OFWs, and individuals who want long-term financial preparation and protection.
Final Thoughts
Life insurance is not only about preparing for uncertainties. It is also about building a stronger financial foundation for yourself and for the people who matter most.
Gerard Jude Orbase
Financial Consultant
Serving Clients Nationwide
Traditional Whole Life + Health Protection
RESILIENCE
A limited pay whole life and health insurance solution that provides accelerated cash payouts and additional health benefits to help you cope with the financial impact of being diagnosed with a life-threatening disease.
Health Protection with Long-Term Financial Security
Explore protection benefits designed to help provide financial support during critical health conditions while maintaining long-term life protection coverage.
Guaranteed lump sum cash upon critical illness diagnosis.
Health coverage options to fit your protection needs and budget.
Additional health benefits*
Late-stage Cancer Benefit
Second Coverage for Cancer, Heart Attack, and Stroke
*For variants cancer Heart Attack, Stroke & Critical Illness Extra
Second Coverage for Cancer, Heart Attack, and Stroke
*For variants cancer Heart Attack, Stroke & Critical Illness Extra
Cash allowance when you are hospitalized due to a covered disease.
Lifetime Financial security with coverage up to age 99.
Good health cash rewards if you stay healthy throughout the policy period.
Limited pay period of 10 years.
Which Protection Priority Best Matches Your Current Goal?
Select the protection area you would like to prioritize for your financial planning journey.
Traditional Term Insurance
IPROTECT
Get life protection on your own terms with iProtect, an affordable and renewable term insurance product that secures the future of your loved ones when you are no longer around.
Paying Period
1, 5, 10 years
Policy Term
1, 5, 10 years
Eligibility
0-70 years old
iProtect
iProtect is an affordable financial solution that can help you jumpstart your path towards a secure future. This term life insurance plan provides the option to be covered annually, for five, or ten years and with your choice to renew the terms for as long as you need.
It's ideal for young adults starting out or those needing mortgage protection, including overseas Filipino workers and aspiring homeowners.
Life Insurance Benefit Equivalent to 200% of Coverage
Automatic Renewability of Policy at the End of its Term
Policy Conversion to an Investment-Linked or Permanent Insurance Product
Affordable Premiums for as Low as Php 21/day*
What Would You Like To Prioritize?
Select the protection goal that best matches your current financial priorities.
Need Help Understanding Your Options?
Every client has different financial goals, responsibilities, and priorities. A proper consultation can help identify the most suitable protection strategy based on your current situation.
Talk to a Financial Consultant
Traditional Savings and Life Insurance
ABUNDANCE
Make your dreams come true with life protection and guaranteed regular cash payouts.
Paying Period
Multiple pay up to 5 or 10 years
Policy Term
Up to 20 years or up to 65 years old
Eligibility
0 - 60 years old for 20 Years policy term 0-45 years old for policy term up to Age 65
Abundance
Abundance is a savings and life insurance solution that helps you set aside funds systematically and get guaranteed regular payouts to make dreams happen while keeping you and your family protected from life’s risks.
Consider The Advantages of Abundance:
Guaranteed Regular Cash Payouts
Equivalent to 10% of sum insured given every 2 years starting from end of 7th* year or 11th** policy year until maturity
*For 5-pay; **For 10-pay
*For 5-pay; **For 10-pay
Guaranteed Lump Sum Cash at Maturity
Equivalent to 100% of sum insured
Coverage of either 20 years or up to 65 years old
Life Insurance Benefit
Equivalent to 200% of sum insured in case of insured’s death
Terminal Illness Benefit*
Equivalent to 200% of sum insured once diagnosed of an end-stage disease
*Benefit claim advances the life insurance benefit and terminates the plan
*Benefit claim advances the life insurance benefit and terminates the plan
Only 5 or 10 years to pay
What Financial Goal Would You Like To Prioritize?
Select the goal that best matches your current financial priorities.
Need Help Understanding Your Options?
Every client has different financial priorities, goals, and responsibilities. A proper consultation can help identify the most suitable strategy based on your current situation.
Talk to a Financial Consultant
Traditional Retirement and Life Insurance
RETIRE ASSURE
Enjoy a happy and dignified retirement with a plan that provides guaranteed monthly payouts.
Paying Period
Regular pay or limited pay for only 2, 5 or 10 years
Policy Term
Until age 100
Eligibility
18 to 60 years old
RETIRE ASSURE
Enjoy a happy and dignified retirement with a plan that provides guaranteed monthly payouts.
Guaranteed Monthly Income To Fund Your Retirement Years
Level monthly cash payouts that will not decrease once your payout period starts until you reach age 100.
Potential For Your Monthly Income To Grow Further
Cash dividends that have the potential to increase over your payout period to keep up with your lifestyle.
Easy Application
No medical check-ups required, applying is hassle-free.
Life Insurance Protection
Beneficiaries receive the higher of 110% of your premiums paid less payouts or the guaranteed cash value if you pass away.
Flexible And Convenient Payment And Payouts
Pay annual, semi-annual, quarterly or monthly premiums and when you retire choose a peso bank account where you will receive your monthly payouts and dividends.
What Retirement Goal Would You Like To Prioritize?
Select the retirement goal that best matches your current financial priorities and future plans.
Need Help Planning Your Retirement?
Every client has different retirement goals, income expectations, and financial priorities. A proper consultation can help identify a retirement strategy suitable for your future plans.
Talk to a Financial Consultant
See How Retire Assure Works For You
The illustrations below show sample retirement scenarios based on different retirement ages, contribution periods, and projected retirement payouts. These examples are designed to help clients visualize how Retire Assure may support long-term retirement income planning.
Retire Assure 2
Additional retirement illustration scenario
Understanding This Illustration
This sample illustration demonstrates how retirement payouts and cumulative income may continue growing over time while maintaining long-term life insurance protection.
The chart also helps visualize how retirement income strategies may continue supporting financial needs throughout retirement years.
Key Takeaway
Retire Assure is designed to help create a structured retirement income strategy while preserving long-term financial protection.
Retire Assure 60
Sample retirement scenario starting retirement payouts at age 60
Understanding This Illustration
This sample illustration shows how a client may receive monthly retirement payouts beginning at age 60 after consistently paying premiums during the accumulation period.
The projected monthly retirement income may gradually increase over time through guaranteed payouts and potential cash dividends.
Key Takeaway
The longer the retirement payout period continues, the higher the potential cumulative retirement income may become.
Retire Assure 65
Sample retirement scenario starting retirement payouts at age 65
Understanding This Illustration
This example demonstrates how extending the retirement starting age may potentially increase projected monthly retirement payouts over time.
The illustration also highlights how cumulative monthly income may continue growing throughout retirement years while maintaining life insurance protection benefits.
Key Takeaway
Planning retirement income earlier may help provide greater flexibility and financial preparation for future retirement needs.
RIDERS
Additional Benefits
Add more benefits to your plan to protect you from more unexpected events.
Disability Benefits
Disability hampers the ability to earn an income, affecting your capability to pay for insurance premiums. Choose this disability rider to address your Protection and Savings needs.
If the Insured becomes totally and permanently disabled prior to expiry date of the rider, payment of regular premiums on the policy will be waived, including premiums of any benefit riders, which will fall due during the continuance of the disability or until the expiration of the term of this rider, whichever is earlier.
Available for the following products:
- Bancassurance-Abundance
- Abundance
- iProtect
- Bancassurance-Resilience
- Resilience
- Wealth Assure Plus
Accident Benefits
No matter how careful we are, accidents can hit anyone. Protect yourself from the debilitating impact of accidents by attaching accident riders to your insurance policy.
The rider provides additional benefit in case of accidental death equal to the rider Sum Insured.
Available for the following products:
- iProtect
- Bancassurance-Resilience
- Resilience
- Solid Fund Builder
- Wealth Assure Plus
Need Help Understanding Your Options?
Every client has different priorities, responsibilities, and financial goals. A proper consultation can help identify the most suitable protection strategy based on your current situation.
Talk to a Financial Consultant
The rider pays additional benefit covering not only death but also certain specified injuries which the insured may suffer because of an accident. Broken bones, impairment, loss of use, etc. are some of the types of injuries someone may sustain from an accident.
Available for this product:
- Solid Fund Builder
Health Benefits
Health is wealth. Truly, when someone's health deteriorates, the expenses that come with the treatment, management or even the provision of temporary relief could be financially burdensome.
The rider provides additional benefit equivalent to the rider Sum Insured to be paid upon the occurrence of the first contracted covered critical illnesses. There will be an accelerated benefit equal to 10% of the rider Sum Insured on Angioplasty and other invasive treatments for coronary artery disease.
Available for the following products:
- iProtect
- Wealth Assure Plus
Provides a lumpsum amount when the insured is diagnosed with any of the covered dread diseases. This frees the insured from worrying about the medical and treatment costs associated with his condition, thereby allowing him to focus on his recovery.
Provides daily hospitalization allowance if the insured is hospitalized as a result of injury or sickness.
This rider provides lump sum cash benefit subject to a maximum of Php 2.5M sum insured, payable on the 31st day from diagnosis of any covered dread diseases arising from complications of diabetes:
- Coronary Artery Bypass Graft
- Heart Surgery with Full Sternotomy
- Heart Surgery with Partial Sternotomy
- Heart Surgery, Thoracotomy
- Heart Attack
- Kidney Failure
- Loss of Limbs
- Profound Vision Loss
- Stroke
Available for this product:
- Wealth Assure Plus
This rider is attachable to the Critical Illness Rider (CIR), that provides supplemental lump sum cash benefit by advancing 10% of CIR Sum Insured, if the insured is diagnosed with the occurrence of insulin treatment for Type 2 Diabetes Mellitus, subject to a maximum amount of 1M.
Available for this product:
- Wealth Assure Plus
This rider provides daily cash benefit of as much as P15,000 per day on a hospital confinement due to sickness or injury for a maximum of 150 days per policy year.
Available for the following products:
- iProtect
- Wealth Assure Plus
Payor's Benefits
This rider is suited for policy owners who bought policies with minors as insureds. An insurance policy to fund a child's education is a popular sample.
This rider frees the policyowner from the obligation of paying all future premiums of the policy if he dies within the paying period. Benefits of the policy are kept intact and will be provided to the insured as scheduled.
Available for the following products:
- Bancassurance-Abundance
- Abundance
- Bancassurance-Resilience
- Resilience
- Wealth Assure Plus
The rider shall waive the payment of remaining total regular premiums on the policy including premiums of any benefit riders within specified number of years/until specified age from issue date of the rider if the payor becomes totally and permanently disabled prior to the expiry date of the rider.
Available for the following products:
- Bancassurance-Resilience
- Wealth Assure Plus
Frees the policyowner from the obligation of paying all future premiums upon being totally and permanently disabled. This rider waives all premiums due during the continuance of the disability or until the expiration of the term of the Payor's Rider whichever is earlier.
Available for the following products:
- Bancassurance-Abundance
- Abundance
- Resilience
Term Benefits
When your coverage needs are temporary or when you have decided to get a term insurance instead of a whole life insurance policy, you can boost your benefits with the rider below.
The rider provides additional death benefit equivalent to the rider Sum Insured. It is automatically renewable and with convertibility option.
Available for this product:
- Wealth Assure Plus
Need Help Understanding Your Options?
Every client has different priorities, responsibilities, and financial goals. A proper consultation can help identify the most suitable protection strategy based on your current situation.
Talk to a Financial Consultant
Traditional Insurance Proposal Assessment
Let's Build Your Personalized Financial Proposal
Answer the questions below so we can understand your financial priorities and recommend a suitable traditional insurance solution based on your goals, budget, and protection needs.
Basic Information
What Is Your Main Financial Goal?
Retirement Planning
Health Protection
Estate Planning
Family Protection
Savings and Wealth Building
Business Protection
Preferred Traditional Plan
Resilience
iProtect
Abundance
Retire Assure
Estimated Monthly Budget
₱1,000 - ₱3,000
₱3,000 - ₱5,000
₱5,000 - ₱10,000
₱10,000+
Family and Financial Situation
Proposal Assessment Summary
© 2026 May | Gerard Jude Orbase | Financial Consultant
Life Insurance Education
Why Do You Need a Life Insurance Plan?
In times of need, life insurance provides a crucial safety net, safeguarding your family's protection. Embrace peace of mind, knowing the benefits of life insurance secure your loved ones' financial future.
How Life Insurance Helps Protect Your Financial Future
Replace Lost Income
Get enough coverage to support your loved ones. A life insurance plus savings plan offers you and your loved ones with a financial safety net. You don’t have to worry about where your family will get their finances should you suddenly pass away or suddenly lose your income due to a disability or sickness, especially if they rely solely on you.
Pay Off Your Debt
Spare your loved ones from financial trouble by investing in family insurance that will cover all lingering financial responsibilities in the event of a death. This way, they won’t have to be responsible for paying your unsettled debts. Secure their future and provide them with peace of mind during challenging times.
Business Planning
Secure your hard work with life protection insurance. It will cover your business obligations so you can maximize your earnings. If you are in a partnership with another party, make sure both of you have coverage. Having insurance coverage minimizes the financial impact when an essential associate of the business passes away.
STRENGTHENING YOUR FINANCIAL SHIELD
The Power of Life Insurance Protection Plans with Investment Components
No matter how much you plan and prepare in life, there are things you just can’t control. Getting diagnosed with a critical illness and work-related injuries can occur and drain your savings. While no one wants to experience these, they can’t always be avoided, despite how well you plan.
Life insurance has long been used to shield individuals and their families from the financial impact of illness, accidents, and death. But there’s a way for you to make this shield even stronger for you – through a life insurance protection plan with built-in investment component.
Wherever you are at life right now: whether you’ve just landed your first job, looking for your forever home, thinking about growing your own family, or perhaps attending to your family as the sole breadwinner, it’s best to be prepared.
Growing your funds in a savings account is not enough to achieve your long-term goals. The key to unlocking your dreams lies in life insurance plus savings. This can provide you with the opportunity to maximize the potential growth of your hard-earned money.
Secure your loved ones’ futures with family insurance from InLife today.
Customized Protection For Different Financial Needs
As a life insurance company dedicated to better the lives of Filipino families, InLife aims to give you highly customized plans that are designed for different goals, lifestyles, and even budgets.
We also give you the flexibility to add riders to your plan. Your chosen rider can even offer additional protection. Riders enables you to pay your premiums in the event you become disabled or even provide a lump sum benefit if you get diagnosed with a critical illness.
We work to offer personalized life insurance with investment plans that address your different financial needs at every stage of your life.
Our qualified financial advisors can help set up a custom-made plan for your insurance and investment needs. Knowing that you are protected from unforeseen life events will give you peace of mind.
Don’t wait for the unexpected to happen before getting started on your insurance. Stay ahead and be protected during those rainy days. Get started on your insurance plan and contact our family life insurance company today.
ESTATE PLANNING
Let Life Insurance Help Preserve Your Assets With Estate Planning
Estate planning is all about protecting your life’s assets so they can be successfully passed down to your loved ones.
Sadly, taxes and name transfers can eat away at the value of your estate. Preserve the value of your assets and transfer them easily to your loved ones when the time comes.
Start on your estate planning by securing a life insurance plan today.
Immediate Access to a Fund
In the event of your death, your estate may not be easily accessible to your loved ones. This may take many months or even years, leaving them without a steady income to cover various expenses.
Protects You from Tax Burden
By getting Life insurance, you are ensuring your loved ones have enough money to cover the estate tax upon your demise so the transfer of titles is smoother.
Protects Your Children
Life insurance will help ensure your child or children are taken cared for financially, even when you are no longer around.
What Financial Protection Goal Would You Like To Prioritize?
Select the financial goal that best matches your current priorities and future plans.
Need Help Choosing The Right Protection Plan?
Every individual and family has different financial goals, responsibilities, and priorities. A proper consultation can help identify a suitable insurance and financial protection strategy based on your current situation.
Talk to a Financial Consultant
Gerard Jude Orbase
Financial Consultant
Message me for your plan
Serving Clients Nationwide
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