M.O.S.T. 18 Image
M.O.S.T. 18 Logo

M.O.S.T. 18 (Multiple Option Super Term)

M.O.S.T. is a term life insurance with PDF (Premium Deposit Fund) that provides coverage for 18 years. It allows maximum coverage at a minimal cost. For exactly the same amount of protection, M.O.S.T. is the most affordable type of life insurance.

The PDF may be used for retirement, pension, education and other future expenses.

Also commonly known as: Buy Term, Invest the Difference (BTID)

Term Insurance with Maximum Coverage at Lowest Cost
Premium Deposit Fund (PDF) that Earns Interest Yearly
18 Years of Protection
Renewable and Convertible Policy
Learn More About The
Product's Features And Benefits

Lowest cost, but gives maximum coverage. Term insurance provides pure life protection so you get the highest possible coverage for every peso of premium paid.

The Premium Deposit Fund earns interest every year and may be used for retirement, pension, education and other future expenses.

Protection for 18 years, giving you long-term peace of mind for yourself and your loved ones.

The policy may be renewed at the end of 18 years and before reaching the age of 60.

The policy may be converted to a whole life insurance before reaching the age of 65.

Choose the payment term that fits your budget and lifestyle.

Provides a cash benefit in addition to the policy's basic death benefit if the insured dies due to a covered accident (two times the basic death benefit).

If the insured is a minor (below 18 years old) and the payor passes away or becomes totally and permanently disabled, the remaining balance of the policy will be waived.

The insured may apply for a claim if diagnosed with an illness and a life expectancy of 12 months or less.

  • The insured will receive 50% up to a maximum of Php 500,000 from the death benefit.
  • The remaining benefit will be given upon death of the insured.

Provides an additional 30% of the basic Death Benefit to the insured in the event that the insured is diagnosed with a critical illness.

Policy Details

  • Mode of Payment: Annual, Semi-Annual, Quarterly
  • Grace Period: 31 calendar days from due date
  • Reinstatement Period: Two (2) years from due date
  • Contestability Period: 2 years

Note: Standard underwriting and claims guidelines will apply.