Education & Savings Plan
A guaranteed education fund that pays out when your child reaches college — with a built-in payor waiver so contributions continue even if something happens to you. The only truly foolproof college savings strategy.
- Guaranteed education fund
- Premium waiver on the payor
- Flexible payout schedule
- Inflation-aware target funding
800+
Education plans managed
₱480M
Funds under management
3 providers
Illustrated & compared
100%
Payout success rate (matured plans)
Starting from
₱2,000
/month indicative
Coverage up to
₱3,000,000
Eligible: Child: 0–14 years old at application
Free advice · No obligation · IC-licensed advisors
Choose the right level of cover
FUL will compare across all our insurer partners to find the best price for the plan you choose.
Selected: Starter Fund — ₱1,500/month · ₱18,000/year
Get a quote for Starter Fund* Indicative monthly contribution for a target fund of ₱1M with a 10-year-old child. Starting at birth reduces monthly payments by approximately 45%. Final premium depends on child age, target fund, and chosen provider.
Included & excluded — no surprises
Guaranteed education fund at target date
Released at college entry (year 17–18)
Payor premium waiver (death)
Fund continues if payor passes
Payor waiver on total disability
Life insurance on the payor
Death benefit to beneficiaries
Loyalty bonus at maturity
Select plans
Cash value / surrender value
If you need to stop payments
Critical illness waiver on payor
Elite Scholar only
Early withdrawal penalty-free
Surrender charges apply in first 5 years
Investment returns guaranteed
Only the fund target is guaranteed
How the process works
Share your child's age & target fund
We calculate the monthly contribution needed for your target fund based on your child's current age, a realistic tuition inflation rate (8%), and your chosen providers.
Compare Sun Life, Manulife & Insular Life
Three side-by-side illustrations showing exact payout dates, amounts, and what happens if you miss payments or need to stop.
Apply with your child's birth certificate
Upload a valid ID and your child's birth certificate. No medical exam. Policy issued within 5 business days.
Set & forget — we review annually
Automatic contributions via GCash recurring or bank debit. We review your plan every year and flag any milestone changes (new sibling, income change, etc.).
We compare education plans from Sun Life, Manulife and Insular Life — the three insurers with the longest track record of education plan payouts in the Philippines. We model the exact payout dates and amounts before you sign.
Why choose this plan?
Tuition, guaranteed
A target fund released at the years your child enters college.
Payor protection
If the paying parent passes or is disabled, the plan keeps funding itself.
Disciplined saving
Automatic contributions build the fund without you having to think about it.
We compare plans from these insurers for you
Documents you'll need
- Valid government ID (payor)
- Child's PSA birth certificate
- Accomplished application form
Frequently asked questions
What clients say
Dr. Reyes Family
Talisay City
“Started an education plan for our daughter. The payor waiver gave us real peace of mind. Maria Elena was patient with all our questions. Very satisfied!”
via Google · Maria Elena Restauro
Explore other plans
All productsLife & VUL Protection
One plan that protects your family and grows your money.
From ₱1,500/month
Health & HMO Cover
Walk into any top hospital in Cebu without worrying about the bill.
From ₱950/month
Car & Motorcycle Insurance
CTPL is the law — comprehensive is peace of mind.
From ₱480/month
Loan & Mortgage Protection
Don't let a loan become a burden to the people you love.
From ₱650/month
Ready to get covered?
Free 30-minute consultation with a licensed FUL advisor — online or at our Cebu IT Park office. No obligation.