Education
Save today. Give your children a brighter tomorrow.Build a fund for their college education and the opportunities that come with it.
Big dreams take time.
Education, a better home, travel, business and retirement can take years of work and disciplined saving. The risk is that the person funding the dream may not be there for the entire journey.
Dream Home
Save little by little. Build the home you’ve always dreamed of.Your dream home begins with the discipline to save for it today.
Travel
Save today. See the world tomorrow.Turn your dream destinations into unforgettable adventures—one peso at a time.
Business
Save for the dream. Build the business.Your future enterprise can start with the money you patiently set aside today.
Retirement
Save today. Enjoy tomorrow.Build the financial freedom to enjoy a happy, healthy, and prosperous retirement.
Protect the dream while you build it.
The term-insurance component protects the family during the 18-year coverage period. The Premium Deposit Fund provides a separate mechanism for accumulating money toward the goal.
MOST18 helps you do both.
ProtectionLife insurance
Substantial life insurance protection at relatively low term-insurance cost, subject to underwriting and policy terms.
GrowthPremium Deposit Fund
The PDF can grow through compounded interest. Projected values depend on actual rates, deposits, withdrawals and insurance costs.
SafetyPositive-value design
The PDF is designed not to go negative, with an interest-rate floor tied to savings-account rates at leading local banks, subject to policy terms.
FlexibilityUse the PDF
The PDF can help pay future premiums and can also be withdrawn for planned goals, subject to policy terms and applicable limits.
Sample illustration: age 30
This example shows the protection benefits for a 30-year-old.
| Fixed annual premium | ₱7,188/year for 18 years |
|---|---|
| Life insurance coverage | ₱1,000,000 |
| Additional accidental death | ₱1,000,000 |
| Critical illness additional benefit | ₱300,000 |
| Terminal illness accelerated benefit | ₱500,000 |
This is a sample illustration, not a universal quotation. Actual eligibility and premiums are subject to underwriting and official proposal terms.
The Premium Deposit Fund is a separate job.
MOST18 is easier to understand when the insurance and PDF are not blended into one vague “investment” story.
Fund the goal
Contributions beyond the insurance premium can be allocated to the PDF. This allows a planned annual contribution to do two jobs: pay the protection cost and build the goal fund.
Compound over time
Interest is compounded. Actual rates and future values can vary and are not guaranteed projections.
Use it with care
Withdrawals can fund goals such as education, but withdrawals reduce what remains to compound. The detailed proposal also warns that enough PDF should remain to cover future premiums where the PDF is being used for that purpose.
Important: Withdrawal limits and possible fees depend on the applicable policy and proposal. Review the contract before making withdrawals.
Additional protection features
Accidental Death Benefit
Provides an additional cash benefit if death is due to a covered accident, subject to policy terms.
Payor Death & Disability
If the insured is a minor and the payor dies or becomes totally and permanently disabled, the remaining balance is waived, subject to policy terms.
Critical & Terminal Illness
Critical illness provides an additional 30% of the basic death benefit. Terminal illness accelerates 50% of the death benefit up to ₱500,000, subject to policy terms.
A more detailed planning example
An age-39 example with planned education withdrawals shows how the contribution schedule, withdrawals and assumed rate affect the remaining PDF balance.
Protection first
The detailed example uses ₱1,000,000 basic life coverage with additional benefits and an annual insurance cost inside the total planned contribution.
Goal withdrawals matter
Education withdrawals in the illustration run across multiple years. Every withdrawal changes the later PDF balance.
Rate assumptions matter
The proposal shows how very different PDF rates can produce very different future balances. Projections should therefore be shown as scenarios, not promises.
Frequently asked questions
Is MOST18 insurance or an investment?
It is an unbundled term life insurance product with a Premium Deposit Fund. Treat the insurance protection and PDF accumulation as separate components.
How long is the life-insurance coverage?
The coverage period is 18 years, subject to policy terms.
Can I use the PDF for education or another goal?
Yes. The planning concept includes education, home, business, travel and retirement goals. Withdrawals reduce the amount left to compound.
Are PDF projections guaranteed?
No. Future values depend on actual rates, contributions, withdrawals and applicable policy costs.
Want the two-page overview?
Download the “Big Dreams Take Time” short brochure.
What are you trying to build—and protect?
Start with the goal, target date, family protection need and contribution budget.