PhilLife Variable
Life Insurance

Grow your wealth while securing your family’s future with SIBOL, a variable life insurance plan that combines protection and investment in one powerful product.

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VUL

SIBOL – Variable Life Insurance

SIBOL is PhilLife’s variable life insurance plan that allows you to grow your wealth through expertly
managed investments while maintaining life insurance protection.

It’s ideal for long-term goals such as building your retirement fund, funding your children’s education,
and securing your family’s financial future.

Key Features and Benefit

Key Features and Benefit

Your Path to Smarter, Flexible Financial Growth

  • Enjoy both life protection and investment growth under one policy
  • Choose from PhilLife’s professionally managed balanced, equity, or opportunity funds
  • Top up or withdraw funds as needed, and shift between funds to match your goals and risk tolerance
  • Receive regular reports on your fund performance and policy value
  • Get insured without a medical exam (subject to age and limits)
  • Trust your investments with Metrobank Trust Banking Group, one of the Philippines’ most respected financial institutions
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Available Funds

Grow Your Investments Your Way

Invest in professionally managed funds tailored to your goals and risk profile.

  • PhilLife Balanced Fund
    A strategic mix of stocks, bonds, and money market securities for steady growth and income.
  • PhilLife Equity Fund
    Invest in top Philippine companies listed in the PSE Index for long-term capital appreciation.
  • PhilLife Opportunity Fund
    Gain access to a diversified portfolio of listed and non-listed companies with strong growth potential.
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How It Works

Four Simple Steps to Start Your SIBOL Investment Journey

  1. Choose your fund
    Select from the balanced, equity, or opportunity fund, each designed to match your goals and risk appetite.
  2. Set your premium and payment schedule
    Decide how much you want to invest and how often you’d like to make payments.
  3. Track your progress
    Stay informed with regular updates on your fund’s performance and policy growth.
  4. Grow and protect your future
    Enjoy life insurance protection while your investments work to build long-term wealth for you and your family.

Variable Life Product

Weekly NAVpu

Net Asset Value Per Unit (NAVPU) of PhilLife Financial’s Investment Funds on the Variable Life Product

PhilLife Balanced Fund

0.844

Date Updated

June 17, 2025

Previous Rate : June 10, 2025

0.844

PhilLife Equity Fund

0.798

Date Updated

June 17, 2025

Previous Rate : June 10, 2025

0.796

PhilLife Balanced Fund

0.844

Date Updated

June 17, 2025

Previous Rate : June 10, 2025

0.845

*These investment funds are specific to variable life insurance contracts and are not considered mutual funds. Variable life insurance products are regulated by the Insurance Commission.

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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.

Plan Your Financial Legacy

Frequently Asked Questions

Learn how PhilLife SIBOL can help you grow your investments while keeping your family protected. Below are answers to common questions about our Variable Life Insurance plan.

Unlike traditional insurance, SIBOL combines investment and protection in one plan. Your premiums are partly used for life coverage and partly invested in funds that can grow over time.

You can choose from three expertly managed funds to match your goals and risk appetite:

  • Balanced Fund: Mix of stocks and bonds for moderate growth
  • Equity Fund: Focused on high-growth Philippine stocks
  • Opportunity Fund: High-risk, high-potential return on investments in diverse industries

Each fund’s value is based on its Net Asset Value (NAV), which reflects the market performance of its underlying assets. Fund prices (NAVPU) are updated regularly and published for transparency.

PhilLife’s SIBOL funds are managed by Metrobank Trust Banking Group, one of the country’s most reputable financial institutions, known for expert portfolio management.

Like all investments, SIBOL involves potential risks, including market fluctuations, interest rate changes, and inflation risk. However, your policy continues to provide life insurance protection throughout the investment period.

Yes. Fees include premium, policy, fund management, and insurance costs, as well as surrender charges within the first five years. All costs are disclosed in your policy for complete transparency.

Yes. You may top up your investment at any time or make partial withdrawals based on fund performance, subject to applicable charges and policy terms.

Guaranteed Insurability allows you to obtain insurance coverage without a medical exam, provided you meet PhilLife’s age and underwriting limits.

You can start by consulting a PhilLife Financial Advisor who will help assess your goals, risk tolerance, and preferred fund type. You may also visit any PhilLife office for assistance.

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.