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  • Family Excel Protect Family Excel Protect

Family Excel Protect

There is no doubt that your family is your world. They are our inspiration for doing what we do, and they play a key role whenever we make decisions no matter how big or small. Give your family the financial security and protection they need with our comprehensive family insurance package that covers all the big and small details that matter.


THE INSURED

The proposed insured, between the ages 18 and 60 (renewable up to age 65) and/or his/her family members with the following qualifications:

If married,

  • The proposed insured’s legitimate spouse not more than 60 years old.
  • The proposed insured’s legitimate or legally adopted children, between 1 to 21 years old.

If single,

  • The proposed insured’s parents under 65 years old and all of the proposed insured’s unmarried and unemployed brothers and sisters between the ages 1 and 21 who are wholly dependent on the proposed insured for support.

COVERS AND BENEFITS

PSI = Principal Sum Insured Proposed Insured Spouse Each Parent Each Child/Sibling
Accidental Death 100% of PSI 50% of PSI 25% of PSI 10% of PSI
Permanent Total Disability 100% 50% 25% 10%
Medical Expenses¹ 100% 50% 25% 10%
Optional Cover Temporary Disability² 100% 50% 25% 10%
  1. Reimbursement of actual amount paid for the injury up to the limit specified in the schedule.
  2. Weekly benefit equal to the percentage of the PSI for a period not exceeding 52 weeks. Shall not exceed the face amount of the policy.

OCCUPATIONAL CLASS

Class 1:
Non-hazardous office and executive personnel whose duties are desk work or traveling outside the office for official purposes but not engaging in manual work- such as office managers, employees, and lawyers.

Class 2:
Occupations involving limited manual work (not using machinery) such as doctor, dentist, supervising engineers, mechanics, and salesmen.

Class 3:
Skilled or semi-skilled workers engaged in a non-hazardous occupation involving occasional or regular manual work using tools or machinery (woodworking excluded) such as foremen, retail delivery men, and garment factory workers.

For Product Related Inquiries

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