Life & VUL Protection
A Variable Universal Life (VUL) plan gives your family a guaranteed death benefit while building an investment fund you can grow, withdraw, or borrow against — all in one policy.
- Tax-free death benefit
- Investment fund that grows over time
- Critical illness & accident riders
- Flexible top-ups and withdrawals
3,200+
Life policies placed
₱1.6B
Total sum assured placed
5 providers
Compared for you
100%
Claims assisted
Starting from
₱1,500
/month indicative
Coverage up to
₱10,000,000
Eligible: 18–65 years old (renewable to 100)
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: Term Protection — ₱800/month · ₱9,200/year
Get a quote for Term Protection* Indicative premiums for a 35-year-old non-smoker in good health. Final premium depends on age, health history, coverage amount and chosen fund.
Included & excluded — no surprises
Death benefit (any cause)
Tax-free lump sum to beneficiaries
Investment fund (VUL only)
PSEi, bond & balanced funds
Critical illness lump sum
30+ conditions as a rider
Accidental death benefit
Additional payout on accident
Hospital income rider
Daily cash while confined
Disability waiver
Premiums waived on total disability
Suicide (first 2 years)
Pre-existing undisclosed conditions
Acts of war
How the process works
Free needs analysis
We calculate your income replacement ratio, outstanding debts, and savings gap to find the right coverage amount — not just a number.
Compare 5 providers
We run the exact same coverage across Sun Life, Pru Life UK, AXA, Manulife and FWD and show you a side-by-side comparison with 10-year projections.
Medical questionnaire
Answer a simple health questionnaire. Most standard cases are approved without a medical exam. Complex histories are handled discreetly.
e-Sign & activate
Sign digitally from your phone. Policy starts within 3–5 business days. We send you your policy schedule and set up the annual review.
FUL compares VUL plans across Sun Life, Pru Life UK, AXA, Manulife and FWD — the five largest VUL providers in the Philippines. We model your actual numbers before you sign and explain every fee transparently.
Why choose this plan?
Family income protection
A lump sum that replaces years of income so your family keeps its lifestyle.
Wealth building
Funds invested across PSEi-linked, bond and balanced funds, reviewed quarterly.
Living benefits
Add critical-illness and hospital income riders that pay you while you're alive.
We compare plans from these insurers for you
Documents you'll need
- Valid government ID
- Birth certificate (for dependents)
- Accomplished health declaration form
Frequently asked questions
What clients say
Mark Anthony Goc-ong
Mandaue City
“Maria Elena explained VUL without the usual sales pressure. She compared term vs VUL honestly and helped me pick what fit my budget. Very professional!”
via Google · Maria Elena Restauro
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Ready to get covered?
Free 30-minute consultation with a licensed FUL advisor — online or at our Cebu IT Park office. No obligation.