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PayLife

Lifetime insurance protection with guaranteed cash value and built-in health benefits.

  • Pay for a few years. Stay protected for life.

  • Guaranteed cash value you can access

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PayLife
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Why Choose This Plan

For as low as Php 1,200 per month, may lifetime protection ka na

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Pay Life lets you complete your payments within a fixed period, while your protection and benefits continue for life. It also builds guaranteed cash value you can access when needed—giving you security both today and in the future.

Key Features & Benefits

What You Get with Pay Life

Lifetime protection after a limited payment period

Grow cash value you can access anytime

Add-ons for Extra Coverage

Enhance your plan with optional benefits that strengthen your protection and adapt to your evolving needs.

Additional financial protection with Accidental Death Benefit (ADB)

Waiver of Premium due to Disability

Flexible Payment Options

Pay on your terms with options designed to match your financial capacity—while securing long-term protection for your future.

2 Pay Life

2 years to pay, for as low as
Php 200 per month

  • Guaranteed cash value accumulation at the end of year 1

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5 Pay Life

5 years to pay, for as low as
Php 200 per month

  • Guaranteed cash value accumulation at the end of year 2

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10 Pay Life

10 years to pay

  • Guaranteed cash value accumulation at the end of year 3

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Invest in protection today, enjoy lifetime coverage without lifelong payments.

Premium Summary

Sample Coverage and Benefit Amounts

This table shows sample coverage on Paylife based on age at enrollment, with protection that continues for life once your plan is fully paid.

Issue AgeCoverageIssue AgeCoverageIssue AgeCoverage
05,40084,85016 3,050
15,77094,76017 2,960
25,720104,700182,880
35,670114,170192,800
45,600124,100202,720
55,540134,020212,650
65,000143,950--
74,920153,140--
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Who Should Get This Plan
Recommended For

Who Should Get This Plan

Young professionals starting their careers

Parents raising and supporting their family as their responsibilities grow

Breadwinners seeking to provide lasting financial security

Individuals preparing for retirement

Life Stages & Needs

How PayLife Protects & Grows With You

Pay Life supports you through life’s milestones—from building financial stability today to providing lasting protection for your family in the years ahead.

  • Family Income Funds — Providing for your family means planning for the unexpected. BenLife’s solutions help keep your family’s financial plans on track.

  • Children’s Education Funds — Your child’s future starts with the plans you make today. BenLife offers solutions that help you prepare for education expenses while building long-term financial security.

How PayLife Protects & Grows With You

Real Stories from Real People

At 28, Paulo signs up for a 
5 Pay Life plan.

At 28, Paulo signs up for a 
5 Pay Life plan.

Paulo chose a coverage that protects him and his family for life, while building cash value he can use in the future.

A few years later, Paulo faces an unexpected medical emergency.

A few years later, Paulo faces an unexpected medical emergency.

His Pay Life plan helps cover part of his expenses through the accumulated cash value, and since the policy is fully paid, he continues to enjoy lifetime protection without worrying about premiums.

Paulo wants to support his child’s future.

Paulo wants to support his child’s future.

He uses the savings component of his plan to help fund education, while the life coverage keeps his family secure no matter what happens.

Compare Plans

Which Plan is Right for You

PayLife

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  • Product Type Overview

    Life Protection

  • Issue Age

    0-70 years old

  • Coverage Period

    From 1st payment to age 100

  • Premium payment term

    2/5 years payable

  • Maturity benefit

    No

  • Accidental Death Benefit

    No

  • Critical illness coverage

    No

Money Value Plus Armor

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  • Product Type Overview

    Protection & Savings

  • Issue Age

    0-70 years old

  • Coverage Period

    From 1st payment to age 100

  • Premium payment term

    2/5 years payable

  • Maturity benefit

    Yes

  • Accidental Death Benefit

    Yes

  • Critical illness coverage

    No
Ben Life