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Protect Your Family's Future with Cocolife Future Savings Platinum.

Have you ever thought what could happen to your family when you die? Not exactly a good thing to think about, but I'm sure this crosses your mind every once in awhile.

If you’re the sole breadwinner, your family is dependent on you even after you're gone. They may be forced to cut back on even the basics, like food, clothing, transportation, and housing.

Whether it's for replacing lost income, paying for your child's education, saving up for your dream travel, putting up your own business or making sure your spouse get the much-needed financial security, Cocolife Future Savings Platinum can help safeguard your family’s future.

Commitment in Creating Solutions With You
Cocolife remains committed in creating solutions for each and every financials need of our fellow Filipinos. With Cocolife Future Savings Platinum, we aim to provide our clients with optimum insurance protection freeing your loved ones from financial woes in the event of a sudden loss. It ensures that they can enjoy the same lifestyle they had with you. The living benefits/cash bonuses provides you with extra funds so that you can enjoy a more fulfilling life, fund your dream travel, start a business, prepare for education expenses, establish emergency medical funds.

It’s for you and your family’s Financial Freedom, Security and Protection. It’s FSP.
FSP for you and your family.
Exclusively available for Mall Clients
Cocolife Future Savings Platinum is exclusively available for mall clients, with minimum coverage of P 100,000.00 payable for 10 years. It rewards client as much as 200% of life insurance coverage upon maturity should the insured survives age 100.

With Cocolife Future Savings Platinum, clients will also enjoy scheduled cash bonuses:
- 10% of the coverage at the end of the 10th, 11th, 12th, 13th, and 14th policy years
- 50% of the coverage at the end of the 15th policy year
- 10% of the coverage starting at the end of the 20th policy year and every 5 years thereafter up to maximum age 99.

Policyholders may also attach the following riders to enhance their coverage:

A. Accidental Death and Dismemberment Rider
The Accidental Death and Dismemberment is a comprehensive rider providing a wide range of benefits from death to injuries caused by accidents. Accidental coverage is provided until age 65, or until termination of the policy to which the rider is attached, whichever comes first.

B. Waiver of Premium Upon Disability
This rider will pay the future premiums of the policy in the event that the insured sustains total and permanent disability. The rider doesn’t reduce or otherwise affect the amount payable in any settlement of the policy or any dividend or any non-forfeiture or loan values under the policy.

C. Payor’s Benefit Rider
1. Payor’s Benefit Rider Due to Death of the Payor
This rider waives the future premiums due until the Child Insured attains age 25, if the Payor dies before the policy anniversary nearest his 60th birthday.

2. Payor’s Benefit Rider Due to Death and Disability of the Payor 
This rider waives the future premiums due until the Child Insured attains age 25, if the Payor, before the policy anniversary nearest his 60th birthday, dies or becomes totally disabled and has been continuously so disabled for at least six months.

Issue Age of Child Insured : 1 to 17 years old
Coverage Period : until the end of the payment period of the basic plan,or until Payor attains age 60,or until Child Insured attains age 25, whichever is soonest

D. Terminal Illness Living Benefit Rider
This rider provides emergency medical funds by advancing as much as 50% of the death benefit in case the insured contracts a terminal illness, but not exceeding Php 500,000 per insured.

Issue Age of Insured : 1 to 55 years old
Payment Terms : no premium payments required
Coverage Period : until Insured attains age 65 or two years prior to the maturity date of the plan, whichever is sooner
Future Savings Sample Computation.
A. Terms of Payment
Premiums for this plan are payable for 10 years with the following Modal Factors:

Annual 1.0000
Semi-Annual 0.5300
Quarterly 0.2750
Monthly 0.0975*

* Monthly mode is available only for credit card auto-charge arrangements

B. Issue Ages
Issue ages are based on the Insured’s age nearest birthday. Premiums are available for ages 1 to 55

C. Underwriting Selection
All applicants shall be underwritten on an individual basis. The existing non-medical and medical limits shall apply depending on the age nearest birthday and the amounts of each life covered under the policy.

Note that the Death Benefit, or 200% of the Face Amount, shall be used as the underwriting basis for this plan.

D. Substandard Issues
Substandard ratings shall be assessed on each life, as the case may be. Substandard Extra Premium Rate is expressed as per 1000 of the basic plan’s face amount and as computed as follows: 

Substandard Extra Premium = Substandard Premium Rate ´ (Basic Plan’s Face Amount) ÷ 1000

Among the Top 50 Most Saleable Products in Life Insurance*
Cocolife Future Savings Platinum ranked third among the traditional plan in the life insurance industry, and among the top 50 most saleable life products in the Philippines.

* Most Saleable Products for Individual Line (Actuarial Department)
Make your money grow. :)
Cocolife, the biggest Filipino-owned stock life insurance company, and the first ISO-certified Filipino life insurance company, offers a complete range of insurance and financial services. It has subsidiaries in the non-life business (UCPB General Insurance), pre-need (Cocoplans), mutual funds (Cocolife Asset Management Co., Inc.) and Security services (Ultra Security Services).

Cocolife boasts of close to four decades of experience and expertise with more than 1,500 highly-trained agents and 253 field managers, a steadily expanding network of fully computerized area and branch offices numbering 64 nationwide.

Aside from providing the most competitive life, non-life and pre-need products in the Individual Market, COCOLIFE has successfully carved a strong niche in Group Insurance and pioneered the EPDI program (Employee Payroll Deduction Insurance) for corporate accounts. It is also an accredited provider of life insurance to migrant workers. Currently, Cocolife is ranked number one in Group Life and Accident & Health, number six in Traditional Life Insurance and one of the country’s leading providers of healthcare services.

Cocolife is a prominent market leader in the industry, ranking number 5 in terms of Net Worth, number 10 in Total Premium Income, out of 34 insurance companies in the Philippines. To date, total assets are close to P25 billion, with Premium Income over P7 billion, and a Networth of over P9 billion. These impressive results are attributed to sound management, prudent investment practices, and efficient cost control.

To learn more about the Cocolife Future Savings Platinum, please contact:
(02) 812-9015 local 114 or local 594
(02) 864-0968

Globe (+63917) 844-7704
Smart (+63998) 843-4588
Sun (+63932) 844-1731
Text: Globe (+63917) 556-2058

20 replies:

hal bloss said...

this is such great advice! I need all the help I can get because I am sooooooo bad at financial stuff!

Nancy Horn - The Mama Maven said...

We have a will, but I don't think we have much life insurance. We better get on the ball.

Melinda said...

Especially because my husband is our main provider, we’ve put a high priority on having a good amount of life insurance on him, and some for me too, because we have kids who would need to be taken care of until they’re grown. I’m going to take a look at our policies and make some comparisons. Thanks for the recommendation!

Lucile Coo said...

That is really great thing to have for your family.

Sian ryan said...

thank you, i definitely need to be wiser about investing for the future!!

Noelle Lynne said...

This was a very interesting read, something I have not read much about before.

Elizabeth O said...

This is a really informative post, I am sure it is going to help so many people get on track with their finances and take on board your suggestions.

Jocelyn @ Hip Mama's Place said...

Insurance is one of the things that you should definitely consider the moment you find a stable job with a good income. There's nothing better than being prepared for the future.

Unknown said...

Thank you for the post, I think this is something everyone has to consider even if finances aren't the most interesting thing to do, you made it easy for me.

Twinspirational said...

What a great list of financial advice. Investing in our future is so important.

Unknown said...

It is so important to be prepared for future events that may be out of our control. Thanks for sharing this great advice and information.

Jenn said...

Interesting, I've been thinking of investing in life insurance not just for me but for my future family. Thanks for sharing!

SveetesKapes said...

This is really good information to have handy. My husband and I were recently talking about insurance, maybe we should look into Cocolife.

Unknown said...

I lost my dad when I was 15 years old. He was very young at the time and didn't have any life insurance. So I understand how important it is to be prepared when you have children.

Tola said...

This is a topic we never think of or really plan for, but I appreciate you sharing this and it has definitely made me realize I gotta be ahead of things and start planning better

Anonymous said...

This is one of the very few posts i've seen giving positive comments abt FSP. If you search it on google, it will all be bout scams. Thank you for making this blog, i am now sure i made d right decision to avail this kind of plan at a young age. Can i ask you, when did you avail this?

Unknown said...

This is the information i wish I had whie growing up. Financial freedom is so important an being prepared for life financially is also imortant

Unknown said...

I got one like this for myself but i realized VUL earns more interest. Im only waiting til i could get at least some of my money and invest it on something else.

Anonymous said...

when will you get the money you've invested? i just signed from this and as i read many negative comments about this plan i'm scared to get nothing 🥺🥺

Unknown said...

should a member on this future saving will receive the total living benefit on its second year onwards while alive?