Group Life Insurance

Backed by innovative financial solutions, PhilLife’s Group Life Insurance empowers institutions and organizations to provide comprehensive benefits for their most valuable asset — their people.

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Group Benefits Insurance Plans

Employee Benefit Packages

Pre-Computed Insurance Plans

  • Small Group Coverage Plan (21-30 employees)
  • Extra Small Group Coverage Plan (10-20 employees)
  • Industry Specific Plan (e.g. Hotels, Manufacturing, BPOs)
  • Group Critical Illness Plan – Top 45
  • Employee Accident and Dengue Coverage
  • Security Guard Coverage Plan

Customized Investment / Retirement
Plus Life Insurance Plans

  • Defined Contribution
  • Defined Benefit

Customized Insurance Plans

  • Based on Uniform Coverage
  • Based on Monthly Basic Salary
  • Based on Position / Rank
Pre Computed Insurance Plans

Pre-Computed Packages

Students’ Insurance Plans

  • Life, Accident & Medical Reimbursement Coverage
  • Accident & Accidental Medical Reimbursement Coverage
  • Accidental and Dengue Coverage

Cooperatives and Associations Insurance Plans

  • Life, Accident & Accidental Medical Reimbursement
  • Accidental and Dengue Coverage

Credit Life Plans

  • Level (Initial Loan Amount) Coverage
  • Decreasing (Outstanding Balance) Coverage
Pre Computed Packages

Policy Supplemental Benefits

  1. Group Accidental Death Benefit Rider
  2. Group Accidental Death and Disability Rider
  3. Group Accidental Death and Disability Rider Plus
  4. Group Special Accidental Death and Disability Rider
  5. Total and Permanent Disability Benefit
  6. Group Terminal Illness Rider
  7. Group Hospital Daily Income Benefit Rider
  8. Group Accidental Medical Expense Reimbursement Rider
  9. Group Dengue Rider
  10. Group Burial Benefit Rider
Policy Supplemental Benefits

Group Critical Illness Plan

Top 5 and Top 45

A group yearly renewable term plan that provides cash benefits if the insured is
diagnosed with any of the 45 covered critical illnesses, including the top 5 major ones:

  1. Cancer
  2. Heart Attack
  3. Stroke
  4. Kidney Failure
  5. Coronary Artery Bypass Surgery
  6. Alzheimer’s Disease
  7. Amyotrophic Lateral Sclerosis (ALS)
  8. Apallic Syndrome
  9. Aplastic Anemia
  10. Bacterial Meningitis
  11. Benign Brain Tumor
  12. Cardiomyopathy
  13. Chronic Adrenal Insufficiency (Addison’s Disease)
  14. Chronic Recurrent Pancreatitis
  15. Coma
  1. Dissecting Aortic Aneurysm
  2. Eisenmenger’s Syndrome
  3. Elephantiasis
  4. Encephalitis
  5. End-Stage Lung Disease
  6. Fulminant Viral Hepatitis
  7. Heart Valve Replacement
  8. HIV due to Blood Transfusion
  9. Occupationally-Acquired HIV
  10. Liver Cirrhosis
  11. Loss of Hearing
  12. Loss of Independent Existence
  13. Loss of Limbs
  14. Loss of Sight
  15. Loss of Speech
  16. Major Burns
  1. Major Head Trauma
  2. Medullary Cystic Disease
  3. Motor Neuron Disease
  4. Multiple Sclerosis
  5. Muscular Dystrophy
  6. Myasthenia Gravis (MG)
  7. Necrotizing Fasciitis (NF)
  8. Paralysis
  9. Parkinson’s Disease
  10. Poliomyelitis
  11. Primary Pulmonary Arterial Hypertension
  12. Progressive Bulbar Palsy
  13. Progressive Muscular Atrophy
  14. Terminal Illness
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Why Choose PhilLife?

The Premier Standard in Financial Solutions

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Over 65 Years of Service

Building trust and security for generations of Filipino families through decades of financial expertise.

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Digital Convenience

Access and manage your PhilLife plans anytime, anywhere through our secure online platform.

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Affordable, Flexible Plans

Choose from flexible insurance, savings, and protection plans tailored to your personal goals.

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Frequently Asked Questions

Learn more about PhilLife’s Group Life Insurance and how it helps organizations of all sizes protect their members. Explore these FAQs for more information on coverage, benefits, and application steps.

PhilLife’s Group Life Insurance Plans are available to companies, organizations, cooperatives, schools, and associations that want to provide life and health protection for their members or employees.

A minimum of 10 members is typically required to qualify for a group insurance plan. However, PhilLife also offers extra small and small group coverage plans for organizations with fewer members.

Depending on the selected package, benefits may include life insurance, accidental death and disability, medical reimbursement, critical illness, hospital income, and dengue coverage, among others.

Policyholders can enhance their coverage with riders such as accidental death and disability, total and permanent disability, hospital daily income, dengue rider, terminal illness, and burial benefit rider.

The Group Critical Illness Plan provides financial assistance if a member is diagnosed with any of the 45 covered critical illnesses, including cancer, heart attack, stroke, kidney failure, and coronary artery bypass surgery.

Yes. Coverage can be tailored based on uniform coverage, monthly basic salary, or employee rank or position, ensuring equitable and relevant benefits for each group.

Premiums are determined based on several factors, including group size, average age, benefit structure, and coverage amount. PhilLife also offers pre-computed packages for faster setup and approval.

  • Pre-Computed Plans are ready-made packages ideal for small to medium-sized groups that want quick, standardized coverage.
  • Customized Plans offer flexibility in designing coverage tailored to the organization’s unique requirements and budget.

Dependents may be included, subject to company policy and PhilLife’s underwriting guidelines. Employers may also choose to extend certain benefits to family members.

Interested organizations can coordinate with a PhilLife representative to discuss requirements, submit a list of members, and determine the appropriate package. Once approved, coverage takes effect upon payment of the initial premium.

Let’s Build a Secure Future Together

Stay up to date with PhilLife’s latest insurance plans, investment ideas, and exclusive offers. Whether you’re protecting your family’s future or growing your business, we’re here to guide you through every stage of your financial journey.