Chrystil R. Baytos

d Magandang araw Mr. Amor, This refers to your email dated September 10, 2014. You will be pleased to know that we received your payment made through BPI and BDO. The payments were applied to your quarterly premium due dated September 15, 2014 and annual premium due dated September 3, 2014. Hence, your next quarterly premium of PhP 7,350.00 for policy number A001727213 will be due on December 15, 2014 and your next annual premium of PhP 1,413.61 for policy number 0002252567 will be due on September 3, 2015. Meanwhile, in line with our objective of providing you with a convenient facility to access your policy information on-line, we would like to encourage you to enroll your policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. i-EAGLE Customer Portal is our online facility which you may use to directly communicate with us and avail of information regarding your insurance policies. The following are the features of the facility: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. • VIEW your Fund Values and History of Unit Prices (for Investment plans). • VIEW and PRINT your latest Statement of Account (for Investment plans). • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. We hope we were able to address your concern. Should you have other concerns, please feel free to let us know. Maraming salamat. Very truly yours, ******************** Magandang araw Ms. Otadoy, Thank you for your response to our email as we were able to update your personal information with us. You will be pleased to know that your policy under policy number A002213459 has an available loanable amount of PhP233,700.00. Meanwhile, in line with our objective of providing you with a convenient facility to access your policy information on-line, we would like to encourage you to enroll your policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. i-EAGLE Customer Portal is our online facility which you may use to directly communicate with us and avail of information regarding your insurance policies. The following are the features of the facility: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. • VIEW your Fund Values and History of Unit Prices (for Investment plans). • VIEW and PRINT your latest Statement of Account (for Investment plans). • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. We hope we were able to address your concern. Should you have other concerns, please feel free to let us know. Maraming salamat. Very truly yours, ******* Magandang araw Mr. Maribao, We would like to apologize for our delayed response on your email. Our records show that your policy was issued under the Insular Diamond Life plan for PhP 650,000.00 effective February 23, 2001. Basically, this plan provides insurance protection for life and continuous payment of premium up to age 99. If you feel that your insurance policy is no longer consequential to your financial needs, you may shorten your premium-paying period by converting your insurance policy to a Non-Forfeiture Option (NFO). Under the NFO, premiums shall no longer be paid starting on the effective date of conversion and you will have an insurance coverage under the same plan as specified below. Based on our computation, you may avail of the Fully Paid-Up (FPU) Option effective February 23, 2015 at the earliest. Under this option, premiums shall no longer be paid starting on the said date and your insurance coverage of PhP 650,000.00 shall be maintained up to February 23, 2075 with an excess payment of PhP12,834.78. Payment of maturity or death proceeds will be done at the same time and under the same condition stated in the policy. Please note that all riders attached to this policy shall be cancelled upon conversion to any of the two non-forfeiture options. Should you opt to convert your policy, below are the needed requirements:   1.    Original Policy Contract 2.    Duly accomplished Request for Policy Change form (see attached) signed by: a.    Applicant-Owner b.    Irrevocable Beneficiary, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. c.     Assignee, if assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3.    Duly signed Signature Affirmation Form (see attached) 4.    Duly accomplished Customer Information Update (CIU) form (see attached) 5.    One (1) valid photo-bearing government issued ID, with signature, of the following: a.    Applicant-Owner b.    Irrevocable beneficiary/ies, if any.   If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney (see attached) must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above:   1.    Duly notarized Special Power of Attorney also authenticated by the Philippine Consular Office. 2.    One (1) valid photo-bearing government issued ID (with signature) of the authorized representative. *Forms are attached. The application of dividends as payment to your future premiums is possible under the Automatic Payment of Premium (APP) provision. The APP provides that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. If you wish to use the dividends to pay for your future premiums, please note that you will still receive billing notices and billing reminders since premiums are still payable on your insurance policy. You may disregard such notices if you find your dividends sufficient to pay your premiums. In the event that the accumulated dividends of your policy becomes insufficient to cover your subsequent premiums, you will need to continue paying your premiums. Hence, we suggest that you regularly monitor your accumulated dividends and dividend earnings. As of this date, your policy has no outstanding loan and has accumulated dividends of PhP24,787.56. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 6%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. Likewise, withdrawal of dividends and application as payment for loan, if any, shall greatly affect its application for premium payments. Incidentally, we encourage you to optimize the use of your i-EAGLE Customer Portal account. With your i-EAGLE Customer Portal, you may be able to enjoy the following benefits: For Regular and Direct Marketing Plans: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. Other features: • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ****** From: PHSD Non Traditional Section (CBaytos) Sent: Friday, September 12, 2014 3:16 PM To: 'Peter paul Ang' Subject: RE: Policy Magandang araw Mr. Ang, Thank you for your response to our email as we were able to update your personal information with us. Our records show that your policy has accumulated dividends of PhP 16,461.05 which may be used as partial payment to your annual premium of Php 18,760.00 due dated September 2, 2014. Please note that the amount will be applied to your premium once we receive the remaining payment of PhP 2,298.95 from you. Meanwhile, we encourage you to optimize the use of your i-EAGLE Customer Portal account. With your i-EAGLE Customer Portal, you may be able to enjoy the following benefits: For Regular and Direct Marketing Plans: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through:    o e-BAYAD – for one-time payment of current premium due.    o Automatic Charging Option (ACO) – for payment of future premiums. Other features: • COMMUNICATE with our Customer Care Specialist through:    o i-EAGLE Mail Box – for your email messages.    o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ********** Magandang araw Ms. Matula, This refers to your email dated September 16, 2014. Our records show that you have completed the premium payments of your I-Fund plan with policy number A002014395 as of September 12, 2011. Hence, there are no premium dues that need to be settled. Meanwhile, your policy has an outstanding loan balance of PhP22,066.95. Should you wish to pay it in full, the loan payoff* amount as of September 17, 2014 is PhP 19,890.90. *Loan pay-off amount is computed on a daily basis; hence we suggest that you get in touch with us again on the exact date of your payment. Further, you may settle your outstanding loan to any Insular Life Office near you. Note: Any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw Ms. Austria, This refers to your email dated September 16, 2014. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0007345120 issued on February 1, 2000 with a Sum Insured of PhP 345,175.00.  As an update, the policy is in active status and has already been paid for fifteen (15) years with no outstanding loan and with accumulated dividends of PhP 15,627.03. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of September 17, 2014, the Cash Surrender Value (CSV) of your policy is PhP 70,855.03. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. Since you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********************* Magandang araw Mr. Ganglani, Thank you for getting in touch with us. Our records show that the accumulated dividends of your Insular Diamond Life plan with policy number 0002230083 is sufficient to cover your annual premium of PhP9,337.91 due on September 26, 2014. Please disregard succeeding billing reminders that you will receive based on your preferred payment option. We also suggest that you monitor the accumulated dividends on your policy. The application of dividends as payment to premium is possible under the Automatic Payment of Premium or APP provision. The APP provides that in case no cash payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends automatically, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang araw Ms. Macasaet, This refers to you email dated September 17, 2014. First of all, thank you for your response to our email dated September 16, 2014 regarding the Survivorship Benefit (SB) of your policy. For you to claim the SB, you may either request for a bank transfer or transact through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature 5. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you finde everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Fortaleza, This is to acknowledge receipt of your email. Please be informed that all billing notices and reminders are automatically sent by our system. Hence, you will still be receiving billing reminders which you may already disregard since the application of PDF to your premium will be effected after the grace period. For you to monitor if the PDF of your policy is still sufficient to pay your premiums, kindly follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. We hope that the above information will allow you to view your insurance policies and optimize your i-EAGLE Customer Portal account. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ******************** Magandang araw Ms. Lesaca, This refers to your email dated September 22, 2014. First of all, allow us to explain the basic features of the insurance plan that you are referring to. Our records show that you are insured under the Five STAR life Plan with policy number 0007344800 issued on April 1, 2000 with a Sum Insured of PhP 100,667.00. It is a whole life plan that provides insurance protection up to age 99 years of the insured and requires payment of premiums for five (5) years only.  It also provides the following benefits: Death Benefit  equivalent to the sum insured less any outstanding loan, that will be given to the beneficiary/ies upon death of the insured,; Maturity Benefit equivalent to the sum insured less any outstanding loan,   that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured. The policy’s Maturity Date is   April 1, 2065; Available Cash Values that may be loaned  against the policy in case of emergencies as of the current date the available Cash Values are PhP18,724.06  and Annual Dividends may be declared each year. As an update, your policy has been fully paid since April 1, 2005. It has no outstanding loan and has an accumulated dividends of PhP5,314.21. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of September 23, 2014, the Cash Surrender Value (CSV) of your policy is PhP24,422.82. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. For other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Agtarap, This refers to your email dated September 22, 2014 regarding the needed requirements for fund withdrawal of your Wealth Builder Plan with policy number V100085706. First of all, we would like to inform you that the value of fund withdrawal will depend on the date of receipt of the following requirements: 1. Original Policy Contract 2. Duly accomplished Wealth Series Application for Fund Withdrawal signed by the following: 2.1. Policy Owner 2.2. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. 2.3. Assignee, if the policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Specimen Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: 5.1. Policyowner 5.2. Irrevocable beneficiary/ies, if any. If negotiated through a third party, require Authorization letter and two (2) valid IDs of representative in addition to the above. And if policyowner/irrevocable beneficiary(ies) is/are abroad, require Special Power of Attorney duly notarized and authenticated by the Philippine Consular Office where policyowner/irrevocable beneficiary(ies) is/are residing. *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. Please note that a minimum of PhP10,000.00 is allowed for a partial withdrawal transaction and the minimum balance after withdrawal must be PhP20,000.00 (total of all fund types). Likewise, the cut-off period for the application for fund withdrawal is from Tuesdays to Mondays. You may visit and submit the above mentioned requirements to any Insular Life district offices near you. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw Ms. Alipin, Thank you for your response to our email as we were able to update your personal information with us. Our records show that we received your payment through BPI. The amount has been applied to your quarterly premium due dated September 16, 2014. Hence, your next quarterly premium of PhP 5,400.00 will be due on December 16, 2014. Meanwhile, a review of our records shows that you have already enrolled at our i-EAGLE customer portal but has not yet activated your account. Hence, we have sent a new set of temporary password to your registered email address. Kindly check your inbox/spam folder for our email notification containing your username and temporary password along with activation link. Please click the activation link first before using your login details. Further, the latest Statement of Account (SOA) of your policy was already sent to your i-EAGLE Mailbox dated July 25, 2014. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Login to your i-EAGLE Customer Portal account. 2. Go to the Policyholders Services menu and click Policy Information. 3. Click your desired policy number (on the left side) to view its details. 4. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. We hope we are able to address all your concerns. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ********** Magandang Araw Mr. Cruz, Thank you for your response to our email as we were able to update your personal records with us. Our records show that the billing notice for your semi-annual premium due last October 4, 2014 was already sent to your preferred mailing address at BLOCK 9 LOT 15 PHASE 3 LAS VEGAS STREET SOUTHVILLE TOWN AND COUNTRY BINAN LAGUNA 4024 last August 24, 2014.  Since you have not yet received the said notice, attached is the copy for your immediate reference. Meanwhile, we would like to inform you that the billing notice for policy number will only be available online once you enroll at our Insular - Effective Access to Gateway Link Electronic (I-EAGLE) system. Hence, we encourage you to enroll at our online facility for your convenience. Through our i-EAGLE customer portal, you may be able to enjoy the following benefits: 1. VIEW and PRINT your Policy Information Details. 2. PAY your premiums online using Mastercard or VISA credit card (e-BAYAD). 3. ENROLL your Mastercard or VISA credit card to Automatic Charging Option (ACO) to pay your future premiums when they fall due. 4. VIEW and PRINT your latest Billing Notice. 5. UPDATE your Personal Information. 6. COMMUNICATE and DISCUSS with us your insurance concerns through the i-EAGLE Mailbox. 7. CHAT with our Customer Care Coordinating Staff from 7:30am – 5:00pm, Mondays to Fridays (Philippine Time) excluding Saturdays, Sundays and Holidays. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. To enroll in our i-EAGLE customer portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. Should you have other concerns, please feel free to let us know. *** Magandang araw Ms. Austria, This refers to your email dated September 25, 2014. You may submit to us the filled out forms for checking. However, we suggest that you leave the date and place of accomplishment blank and have it filled up by the time you visit our Insular Life office on December. We hope we are able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Zoleta, This refers to your email dated September 25, 2014. We would like to inform you that the Loan Pay-off Amount is the value of loan if you wish to pay it in full. It is computed as the principal outstanding loan less the refund interest. As you may be aware of, any unpaid loan shall bear at a current interest rate of 10% per annum. The interest is paid in advance at each anniversary date of your policy. Hence, the loan interest refund or refund interest is the prorated excess interest if you will be paying the outstanding loan in full before or after the anniversary date of the policy. Meanwhile, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simple login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. As of the current date, your policy has a remaining loanable amount of PhP6,800.47. The loanable amount of your policy will immediately increase once you pay your outstanding loan. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, *** Magandang Araw Ms. Francisco, This is to acknowledge receipt of your email regarding the Pension Benefit (PB) of your policy. Kindly see below instructions for bank transfer or transaction through an authorized representative. BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Please be reminded that documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Pension Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature 5. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. Ganglani, This is to acknowledge receipt of your email. As we have noted in our email dated September 18, 2014, the accumulated dividends of your policy is sufficient to cover your annual premium due on September 26, 2014. Hence, you may disregard the billing reminders that you receive since the application of dividends to your premium will be automatically effected after the 31-day grace period. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Meala, This refers to your email dated September 30, 2014. We would like to inform you that checks with an amount less than twenty thousand pesos (PhP20,000.00) only requires one (1) signatory. Hence, the check that you received can be accepted by any bank for deposit to your bank account. Please note that the check is suitable for encashment and is valid six months upon date of issue. Meanwhile, in line with our objective of providing you with a convenient facility to access your policy information on-line, we would like to encourage you to enroll your policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. i-EAGLE Customer Portal is our online facility which you may use to directly communicate with us and avail of information regarding your insurance policies. The following are the features of the facility: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. • VIEW your Fund Values and History of Unit Prices (for Investment plans). • VIEW and PRINT your latest Statement of Account (for Investment plans). • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. We hope we had clarified matters with you. Should you have other concerns, please feel free to let us know. Maraming salamat. Very truly yours, *** Magandang araw Ms. Francisco, This refers to your email dated September 30, 2014. As requested, attached is the Authorization to Deposit Policy Transaction Proceeds to Bank Account needed for your request. Meanwhile, please be informed that the check can only be issued under your name and can be deposited on any bank account under your name. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Francisco, This refers to your email dated October 4, 2014. You will be pleased to know that you may submit the needed authenticated requirements on “one time” basis provided that there will be no changes in the details of the depository bank account to be used for bank to bank transfer. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Mr. Maribao, This refers to your email dated September 19, 2014. First of all, we would like to apologize for the delayed feedback on your email concern. We would like to inform you that riders qualified for attachment on your Insular Diamond Life policy are Dread Disease Rider and Hospitalization Rider. Any of the two mentioned rider may be attached at any time or effective next due date or anniversary date. Below are the list of the initial requirements to be accomplished and submitted to any Insular Life District Office near you: 1. Original Policy Contract 2. Duly accomplished Application for Reinstatement/ Policy Change form* (ARPC) signed by: 2.1. Applicant-Owner 2.2. Irrevocable beneficiary if any; 3. Dread Disease Rider (DDR) Questionnaire 4. Financial Questionnaire 5. Duly signed Signature Affirmation form* (see attached) 6. Duly accomplished Customer Information Update form* (see attached) 7. One (1) valid photo-bearing government issued ID (with signature) of the following: 7.1. Applicant-Owner 8.2. Irrevocable beneficiary is any; *see attached Please also take note that the ARPC form shall be signed in the presence of our customer care specialist. Hence, this should be done in an over-the-counter transaction at any Insular Life District Office. Further, the above-mentioned requirements are subject for evaluation. Hence, we may ask for additional requirements while we are processing your application depending on the information indicated on the documents to be submitted. We hope you will find everything in order. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, **************** Magandang araw Mr. Gelina, This refers to you email dated October 17, 2014. First of all, thank you for your response to our email dated September 16, 2014 regarding the Anticipated Payment Benefit or Survivorship Benefit (SB) of your policy. For you to claim the SB, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, if any, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1. Duly accomplished and signed Customer Information Update form* 2. Duly signed Signature Affirmation form* 3. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you finde everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw Mr. Ramos, This refers to our chat conversation last October 20, 2014. You have mentioned that two of your policies have no accumulated dividends though you are paying the premiums and loan interests of your policies. Allow us to provide clarity on this matter. As of July 15, 2014, our records show that the outstanding loan and loan interest due under policy number 0002153122 has exceeded the available cash value. Please note that exceeding the available cash value plus dividends will cause your policy to automatically lapse. Hence, to keep your policy in active status, we applied your accumulated dividends as partial payment of your renewal loan interest. It is stated in your policy contract that if the available cash value is insufficient to pay for the loan interest due, the available dividends will be used to pay the loan interest due. This was discussed in our email sent through your Customer Portal mailbox dated July 16, 2014. Likewise, the accumulated dividends of your Insular Diamond Life plan, with policy number 0002236333, was also used to partially pay your renewal loan interest. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang Araw Ms. Demetrio, This is to acknowledge receipt of your email. Upon the availability of your maturity benefit, you have the following options you may choose from: 1. Authorize Insular Life to deposit your benefit to your Bank of the Philippine Islands (BPI) or Union Bank of the Philippines (UBP) personal US Dollar account. Bank charges, if any, shall be for your account and shall be deducted from the total benefit of your policy. 2. Personally pick-up your US Dollar demand draft from our Home Office in Alabang Muntinlupa, or in our District Office in Makati or Cebu. This Demand draft shall be for deposit only to your personal US dollar bank account subject to 20 to 30 days clearing period. If you choose to authorize a Representative (Attorney-in-Fact) to pick-up the demand draft for you, he will be required to submit a Letter of Authorization (see Attachment 1) and present your one (1) valid government-issued photo-bearing ID with your signature, and his own ID. 3. Personally pick up the peso-equivalent check payment of your benefit from any Insular Life office nationwide. The conversion rate to be used shall be the rate at the time of check preparation. If you choose to authorize a representative to pick-up the check for you, he will be required to submit the same requirements indicated in item 2. When claiming your benefit, please submit your original policy contract and NSO issued Certified True Copy of Death Certificate of your father. Nevertheless, a letter with the same options above will be sent to you prior to the maturity date of your policy. In view of this, we would like to know your preferred/updated mailing address and contact number for us to communicate with you. For details, call us at (02) 876-1-800 for Metro Manila and TOLL FREE 1-800-10-INSULAR (467-8527) for Provincial. We hope we were able to address your concern and hope to hear from you soon. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Catamisan, This is to acknowledge receipt of your email. For you to change the Sum Insured of your policy, please submit the following requirements to any Insular Life office near you: 1. Original Policy Contract 2. Duly accomplished Request for Policy Change form* signed by: 2.1. Policy Owner 2.2. Irrevocable Beneficiary/ies, if any. 2.3. Assignee, if policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly accomplished and signed Customer Information Update form* 4. Duly signed Specimen Affirmation form* 5. Payment of an amendment fee of Php500.00 6. One (1) valid photo-bearing government issued proof of identification with signature of the following: 6.1. Policy Owner 6.2. Irrevocable Beneficiary/ies, if any. *Forms are attached and also available at any Insular Life district office near you. If Policy Owner and/or Irrevocable Beneficiaries (if any) is/are abroad, all documents to be submitted must be duly authenticated by the Philippine Consular Office where the Policy Owner and/or Irrevocable Beneficiaries is/are currently residing. We hope you find everything in order. Should you have other concerns, please feel free to let us know. Maraming salamat. *************** Magandang araw Ms. Ramos, This refers to your email dated October 21, 2014. We have evaluated your concern and for you to claim the Maturity Benefit (MB) of your 20 year Endowment plan under policy number 0002293178, below are the options that you can choose from: 1. Authorize Insular Life to deposit your benefit to your Bank of the Philippine Islands (BPI) or Union Bank of the Philippines (UBP) personal foreign account. Bank charges, if any, shall be for your account and shall be deducted from the total benefit of your policy. 2. Transact personally or through an authorized representative at any Insular Life office nationwide. Release of Maturity Benefit will be through a crossed check for deposit to your bank account. However, you have noted that the bank transfer would be costly and you don’t have an existing bank account here in the Philippines. Likewise, personal appearance is needed for the opening of new account. Hence, we would like to suggest that you may claim your Maturity Benefit on your next visit here in the Philippines. Simply apply for a new bank account and choose the second option stated above. Please note however that the maturity benefit will not earn interest. We hope we were able to address your concern. Should you have any other concerns, please feel free to let us know. Maraming salamat po. **************** Magandang araw pong muli Ms. Biscocho, This refers to your email dated November 18, 2014. Our records show that indeed your 20 Year Endowment Plan with policy number 0008506787 will mature on January 21, 2015 wherein you are entitled to receive the maturity benefit on the said date also. As an update, your policy has already been fully paid with no outstanding loan and has accumulated dividends of PhP53,208.80. The maturity benefit is equal to the Sum Insured of your policy including the accumulated dividends less any outstanding loan. To claim the maturity benefit, you may either request for a bank transfer or transact personally over the counter or through an authorized representative. Below are the following instructions for the mentioned options: A. For bank transfer – direct deposit to bank account (subject to bank charges) 1. Send the following requirements needed for bank transfer through your i-EAGLE mailbox: a. Duly accomplished and signed Authorization to Deposit form (see attached) – if bank account is from a foreign depository bank, submit a Bank Certificate. b. Duly accomplished and signed Customer Information Update form* (see attached) c. Duly signed Signature Affirmation form* (see attached) d. One (1) valid photo-bearing government issued ID with signature Then send the Original documents including the Policy Contract to: Recipient Address Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 You can have the forms submitted as an email attachment through the i-EAGLE Mailbox before the maturity date. B. Transact personally at any Insular Life Offices – release of maturity benefit through crossed check. 1. Submit the Original Policy Contract 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney* 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *see attached *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Meanwhile, the cash values are part of the premiums you pay which is set aside as savings under an insurance policy. As a benefit under an insurance policy, one can apply for a loan against these cash values. We hope that the above information was able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Magandang araw Ms. Bonifacio, This is regarding your e-mail dated October 26, 2014. A review of our records shows that you have already enrolled and activated your i-EAGLE customer portal. Due to the nature of your concern, we shall send our reply to your i-EAGLE portal mailbox. Meanwhile, we have noted from your email dated October 27, 2014 that you wish to receive emails in a regular manner as you have forgotten the log in details of your Customer Portal account. Hence, we have sent a new set of temporary password to your registered email address. Kindly check your inbox/spam folder for our email notification containing your username and temporary password. Likewise, we would like to inform you that emails being sent through i-EAGLE Customer Portal are in a more protected environment which cannot be hacked unlike other email accounts. The i-EAGLE online facility can be used to directly communicate with us and avail of confidential information regarding your insurance policies in a secured website environment. Through your customer portal account, we can prevent fraud and irregular access to confidential information by individuals other than the owner of the policy, as our goal to establish a guaranteed secured transaction for our customers. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. Further, we would like to encourage you to join our Magandang Araw ng Kapaskuhan sa Insular Life CASHandog 2014 and get a chance to win P104,000.00 or an i-Phone unit. To get raffle entries, simply submit your updated customer information via online, email, and over-the-counter. Campaign period starts from October 25, 2014 up to January 22, 2015. Should you have other concerns or need assistance on our site, please feel free to let us know. Maraming salamat po. Very truly yours, ****** Magandang araw Ms. Bonifacio, This refers to your email sent through [email protected] dated October 26, 2014. You will be pleased to know that the accumulated dividends of your Insular Diamond Jubilee plan with policy number 0002318454 is sufficient to cover your annual premium of PhP 56,080.00 due dated October 8, 2014. The system will automatically use your policy dividends if no premium payment is received after the 31-day grace period. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 6%. As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. However, you will still be receiving billing reminders which you may already disregard since the application of dividends to your premium will be effected after the grace period. For you to monitor your dividends and view the information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. We hope that the above information will allow you to view your insurance policies and optimize your i-EAGLE Customer Portal account. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ****** Magandang araw Ms. Sobrepena, This is to acknowledge receipt of your email. You will be pleased to know that we have received your payment made through Metrobank. The amount has been applied to your annual premium of PhP2,112.18 due last October 24, 2014. Hence, your next annual premium will be due on October 24, 2015. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ******* Magandang araw Mr. Garcia, This refers to your email dated September 9, 2015. You will be pleased to know that your request to charge the annual premium of PhP 11,590.00, under policy number A001609289, from your PNB cardXXXXXXXXXXXX1428 has already been processed. Please refer to our email dated September 11, 2015 for the ACO OR Confirmation. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ******** ********** Magandang araw Ms. Macasaet, This refers to you email dated October 27, 2014. As Mr. Arnie Fojas during your chat conversation, we have received your submitted documents last October 24, 2014. You will be pleased to know that your request is currently being evaluated and processed. Rest assured that we shall provide you immediate feedback once we have processed your request. If you have further concerns regarding your policy, please feel free to let us know an we will be glad to assist you in any way we can. Maraming salamat po. ************* Magandang araw Ms. Go, This refers to you email dated September 17, 2014. First of all, thank you for your response to our email regarding the Survivorship Benefit (SB) of your policy. The Pension Benefit or SB of your I-Fund policy is scheduled as follows: 8th to 11th year = 10% of Sum Insured 12th to 14th year = 20% of Sum Insured For you to claim the SB, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, if any, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1. Duly accomplished and signed Customer Information Update form* 2. Duly signed Signature Affirmation form* 3. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 3. Duly notarized Special Power of Attorney 3.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 4. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ***************************************** Magandang Araw Mr. Santos, Thank you for your interest in our products and services. To help us further on our proposal, we would like to verify what kind of product you need: 1. Protection – for lifetime protection for the family more than savings or retirement income. 2. Health – provides health security. 3. Savings – emphasizes on savings or retirement income more than family protection. 4. Investment – combines the benefits of insurance protection, security, and enables the policyholder to participate in investments. You may also visit our website at www.insularlife.com.ph for details of these products. Likewise, please provide us with the following information: Proposed Insured’s Name with date of birth: Preferred Face Amount: Please also note that application for an insurance plan must be done and signed within the Philippines. Further, we suggest you allow yourself to be contacted by an Insular Life representative who can address your query in details.  If you are okay to speak to one of our representatives, kindly send us the following information: • Your birthdate • Location (ex.:  Metro Manila) • Contact numbers • Preferred contact day/time • Occupation: Upon receipt of your reply, we shall evaluate the details you have provided and give you immediate feedback upon completion of the evaluation. We are looking forward to hearing from you soon. For further concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ********************************************* Magandang araw Mr. Pinero, Thank you again for getting in touch with us and sending this inquiry. Our records show that the next annual premium due of your policy will be on November 25, 2014. Please be informed that we can only cease charging of monthly insurance charges from the Fund Withdrawal proceeds if your application for Full Withdrawal transaction will be done prior to the premium due date. It would be advisable to submit your application for Full Withdrawal on the third week of November 2014 or on November 17, 2014. Please note that processing of such transaction will depend on the date and time of receipt of the complete documents. We hope we had clarified matters with you. Should you have other concerns, please feel free to let us know. Maraming salamat. Very truly yours, **************** Magandang araw Ms. Ilagan, Ito ay patungkol sa inyong email na ipinadala sa amin noong Ika-28 ng Oktubre 2014, kung saan kayo ay nanghihingi ng pahintulot kung maari ninyong palitan ang inyong I-Sure 5 policy ng kahit anong educational plan. Nais po naming ipaalam sa inyo na upang makapagpalit ng uri ng insurance plan, ang kasalukuyang plano ay dapat hindi pa nagkakaroon ng Cash Values o ang tinatawag din na “loanable amount” ng isang insurance policy. Ang isang policy ay nagkakaroon ng Cash Values sa ikalawang taon nito bilang isang active policy. Batay sa aming pagsusuri, ang inyong policy ay kasalukuyang lagpas na ng ikalawang taon nito at nagkaroon na ng Cash Values. Sa kadahilanang ito, ang inyong policy ay hindi na maaaring mapalitan ng insurance plan. Samantala, hayaan po ninyong ipaliwanag namin ang nilalaman ng inyong I-Sure 5 policy at ang mga benepisyong maaari ninyong matanggap mula dito. • Panghabambuhay na Insurance protection; • Ang premium payments ay inyo lamang babayaran sa loob ng limang (5) taon; • Garantiyang may Cash Values na maaaring i-loan sa oras ng pangangailangan; • Garantiyang may Anticipated Endowment - 8% ng Sum Insured ang maibibigay sa simula ng ika-6 na policy year at sa bawat dalawang taon kasunod nito; • Ang Annual dividends ay maaring madeklara sepende sa aktwal na galaw ng kumpanya; • Maturity benefit na katumbas ng Sum Insured, ibabawas ang pagkakautang kung mayroon, kung malagpasan ang maturity date ng policy. • Death Benefit na katumbas ng Sum Insured (PhP300,000.00), ibabawas ang pagkakautang (kung mayroon), na ibibigay sa itinalagang beneficiaries, kung mawala ng hindi inaasahan Para sa mga karagdagang katanungan, mangyari lamang po na ipagbigay alam sa amin o tumawag sa aming Customer Care Assistants sa numerong (02) 582-1818 local 7700. Maraming Salamat. ************************ Magandang araw Ms. Incog, This is to acknowledge receipt of your email regarding your intent to update your personal information in our records. A review of our records shows that you have already enrolled and activated your i-EAGLE customer portal. Hence, we highly encourage you to access your i-Eagle Customer Portal account for your convenience. With the i-EAGLE Customer Portal, you will be able to enjoy the following benefits:   1. VIEW and PRINT your Policy Information Details (such as dividends, cash value, outstanding loan etc.) 2. VIEW and PRINT your latest Billing Notice. 3. PAY your Premiums online using Mastercard or VISA credit card through:     3.1. e-BAYAD – for one-time payment of current premium due.     3.2. Automatic Charging Option (ACO) – for payment of future premiums. 4. VIEW your Fund Values and History of Unit Prices (for Investment plans). 5. VIEW and PRINT your latest Statement of Account (for Investment plans). 6. UPDATE your Personal Information. Should you wish to update your personal information within the i-EAGLE Customer Portal at your own convenience, you may follow the steps below: 1. Login to i-EAGLE Customer Portal (click here to login) 2. Choose Policyholders Services menu 3. At the bottom part of the page, click Update Personal Information 4. When you’re done with your updates, you may now click Send Update Request You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. We hope that the above information will allow you to update your personal information and optimize your i-EAGLE Customer Portal account. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. Very truly yours, Magandang araw Ms. Catelo, This refers to your email dated November 2, 2014. Our records show that your policy has a tentative loanable amount of PhP7,500.00. Please note that a policy is qualified for I-serve online transaction if there are no irrevocable beneficiaries and if it is not assigned. You may check if your policy is qualified for loan application through I-serve by simply go to Policyholder Services menu and click I-Serve. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************************ Magandang araw Macasaet, This is to acknowledge receipt of your email. We would like to assure you that the system will automatically use your PDF balance if no premium payment is received after the 31-day grace period. However, you will still be receiving billing reminders which you may already disregard since the application of PDF to your premium will be effected after the grace period. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Tablante, Apologies for our delayed response on your email. Please be informed that premiums are accepted as direct payments/over-the-counter transactions through any of the following banks: • Bank of the Philippine Islands (BPI) – peso and dollar payments o Peso Account Number : 0011-1420-52 o Dollar Account Number: 1764-0050-54 • BDO – peso payments • Metrobank – peso payments • UnionBank of the Philippines (UBP) – peso and dollar payments Kindly present the billing notice when paying at the bank teller. In case you have an account with The Bank of the Philippine Islands, you can also use their online facility (www.bpiexpressonline.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILA002070283). You may also pay your premiums using your Mastercard or VISA credit cards through our new on-line payment facilities. For one-time payment of your premium, you may use our e-BAYAD payment facility, and for automatic charging of future premiums, you may enroll in our Automatic Charging Option (ACO). Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Francisco, This is to acknowledge receipt of your email. Please be informed that premiums are accepted as direct payments/over-the-counter transactions through any of the following banks: • Bank of the Philippine Islands (BPI) – peso and dollar payments o Peso Account Number : 0011-1420-52 o Dollar Account Number: 1764-0050-54 • BDO – peso payments • Metrobank – peso payments • UnionBank of the Philippines (UBP) – peso and dollar payments Kindly present the billing notice when paying at the bank teller. In case you have an account with The Bank of the Philippine Islands/Metrobank/ UnionBank Philippines, you can also use their online facility (www.bpiexpressonline.com/ www.metrobank.com.ph/ www.unionbankph.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILW100149888) and select merchant name Insular Life Assurance Co. Ltd. You may also pay your premiums using your Mastercard or VISA credit cards through our new on-line payment facilities. For one-time payment of your premium, you may use our e-BAYAD payment facility, and for automatic charging of future premiums, you may enroll in our Automatic Charging Option (ACO). Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, Magandang araw Ms. Jao, This refers to your email dated November 9, 2014. We have evaluated your concern and we would like to confirm that the Special Power of Attorney is not needed anymore if you will be the one to transact with us. Meanwhile, below are the options that you can choose from for the disbursement of proceeds for this transaction: 1. Authorize Insular Life to deposit your benefit to your personal account. Bank charges, if any, shall be for your account and shall be deducted from the total proceeds of your policy. A. For Single bank account - please submit a Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) B. For joint bank account - the joint accountholder must: a. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form b. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. 2. Transact personally at any of our suggested Insular Life office. Release of proceeds will be through a crossed check for deposit to your bank account. *Forms are available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ The processing time depends on the completeness of the documents that you submitted. This can be processed within the day if you personally visit any of our Insular Life Offices. You may visit us at our Insular Life Home Office at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City or at our Makati Regional Office located at Mezzanine Floor Insular Life Bldg, 6781 Ayala Avenue cor. Paseo de Roxas, Makati City 1226 with contact number (02) 878-1818. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ******* Magandang araw Ms. Magtibay, Thank you for your response to our email as we were able to address your personal information with us. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the 20 Pay Life plan with policy number 0000966169 issued on June 1, 1980 with a Sum Insured of PhP100,000.00.  It provides protection from the issue date up to age 99 years of the insured.  Premiums are payable for a guaranteed period of twenty (20) years from the date of issue.  It also provides the following benefits: Death Benefit  equivalent to the sum insured, less any outstanding loan,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, less any outstanding loan,  that will be payable  on the policy anniversary date after reaching the  age of 99 years  by the insured,  i. e.   the Maturity Date of  June 1, 2055; Available Cash Values that may be loaned  against the policy in case of emergencies;  and Annual Dividends may be declared each year.  As of the current date the policy has an accumulated dividend of PhP40,944.83. As of the current date the policy is fully paid with no outstanding loan.  If you feel that you no longer need the protection that this policy provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of November 12, 2014, the Cash Surrender Value (CSV) of your policy is PhP97,925.83. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. Since you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 3. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 4. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw pong muli Ms. Mateo, This refers to your email dated November 10, 2014. Allow us to provide clarity on this matter. You are insured under the Ten Star Life plan issued on November 1, 2004 with a Sum Insured of PhP365,385.00. When you purchased this life insurance, you have invested for the protection of your family. By having a life insurance, you can assure that a fund will be provided for your family to take care of their immediate and future needs in case of untimely demise. As a whole life protection plan, this plan provides insurance protection and premium payment for life from the time it has been issued. Hence, the premiums that you paid have been mainly used for your insurance protection. Considering that, in case of untimely demise, within the covered period, death benefit of PhP365,385.00 will be given to your beneficiaries. Meanwhile, as we have discussed in our previous email, cash values are part of the premiums you pay which is set aside as savings under an insurance policy. As a benefit under an insurance policy, one can apply for a loan against these cash values. Briefly, the premiums that you paid are partly used as payment for the life insurance protection and partly set aside as savings. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******* Magandang araw Ms. Tablante, This refers to your email dated November 12, 2014. Our records show that your quarterly premium of PhP9,069.00 due last September 16, 2014 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from the Cash Values and was added to your previous outstanding loan. As an update, your policy is still active with no dividends and with an outstanding loan of PhP110,101.54. Your next quarterly premium will be due dated December 16, 2014. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA002070283’. Incidentally, you may view the updated values of your insurance policies within the i-EAGLE Customer Portal by following the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Mr. Tigaronita, This refers to your email dated November 13, 2014. You will be pleased to know that you are given a grace period of thirty-one (31) days from due date within which you can pay your premium. If you are unable to pay your premium within the grace period, the Automatic Premium Payment (APP) provision shall be effected on your policy. The APP provides that in case no payment of premium is paid within the grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the APP provision has been applied to your policy number A001060741 to keep it in active status. As an update, your policy is still active with no outstanding loan and accumulated dividends of PhP4,792.80. Your next annual premium of PhP9,405.00 will be due dated October 1, 2015. Meanwhile, you may still pay your annual premium of PhP69,500.00 due dated October 22, 2014 under policy number A002220420 using e-BAYAD. Kindly check if payment amount and details as seen in your Customer Portal account are correct. Please note that you should first update the values of your policy before you proceed with the payment. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Once your policy values has been updated, you may now proceed with the e-BAYAD payment by following the steps below: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. We hope you will find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Paghasian, This is to acknowledge receipt of your email. You will be pleased to know that we have updated your personal information based on your provided Customer Information Update form. Should you wish to check the updated file, please go to Policyholders Services menu. Should you wish to have additional updates on your personal information within the i-EAGLE Customer Portal at your own convenience, you may follow the steps below: 1. Choose Policyholders Services menu 2. At the bottom part of the page, click Update Personal Information 3. When you’re done with your updates, you may then click Send Update Request Likewise, we highly appreciate your support to our Go Green campaign by choosing to receive future premium notices through your i-EAGLE mailbox. Please be informed that this action ceases the sending of premium notices to your mailing address. Meanwhile, thank you for joining our Magandang Araw ng Kapaskuhan sa Insular Life - CASHandog.2014. We would like to confirm that upon updating your personal information and opting to stop sending premium notices through snail mail, you have earned two (2) raffle entries. The notification regarding the raffle entries will be sent through your i-EAGLE mailbox within the week. You now have a chance to win PhP104,000.00 cash or an i-Phone unit on the grand draw. To earn more raffle entries, enroll your premium paying policy at any of the online payment facilities below: • Automatic Charging Option (ACO) – automatically charge the premiums on your enrolled credit card to pay your future premiums when they fall due. • Easy Payment Option (EPOn) – automatically charge your modal premium in equal monthly amortizations. • Automatic Debit Arrangement (ADA) – automatically charge the premiums on your enrolled bank account to pay your future premiums when they fall due. For more details simply select payment facilities menu. Campaign period lasts up to January 22, 2015. The list of winners will be announced online after the grand raffle draw on January 23, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Tablante, This is to acknowledge receipt of your email. Verification with our records shows that we have not yet received your payment made through BDO. Hence, we would like to ask for a scanned copy of the payment slip for our easy verification. Meanwhile, allow us to discuss the basic features of your policy. You are insured under the I-Assure Max 10 plan with policy number A002070283 issued on December 16, 2008 with a Sum Insured of Ph300,000.00. As an update, the policy is in active status and has already been paid for six (6) years with an outstanding loan of PhP110,101.54 and with no accumulated dividends. It also provides the following benefits:    Premiums are payable up to the tenth (10th) policy year and provides insurance protection until age 99 of the insured Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Survivorship Benefit equivalent to 8% of the Sum Insured that will be granted at the end of the Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. ***** Magandang araw Ms. Tablante, This is to acknowledge receipt of your email. Verification with our records shows that we have not yet received your payment made through BDO. Hence, we would like to ask for a scanned copy of the payment slip for our easy verification. Meanwhile, our records show that you are scheduled to receive a Survivorship benefit amounting to 8% of your policy Sum Insured on the next anniversary dated December 16, 2014. Hence, your request for application of the Survivorship Benefit to your outstanding loan and quarterly premium due dated December 16, 2014 can only be applied on the said anniversary date. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Dela Flor, This refers to your email dated November 16, 2014. Our records show that in view of death of Ms. Illuminada Facto, the ownership of policy number 0002247124 has been transferred to you dated July 7, 2014. You are now considered insured under this policy. However, the designation of your mother as insured has been saved for our record. You may disregard this since amendment has been made and approved, which is evident in the endorsement attached to your policy contract. Meanwhile, we have changed the relationship of your beneficiary, Justine Gabrielle F. Dela Flor, from son to daughter as requested. The changes will be reflected in your Customer Portal account after 24 hours. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Chu, This refers to your email dated November 17, 2014. First of all, we would like to apologize for the error you encountered upon getting the updated values of your policy. You may now try again to check the details of your policy through the Policyholders Services menu. Our records show that, as of the last anniversary date of your policy, the net cash value is PhP143,000.00. Kindly check if details as seen in your Customer Portal account are correct. Meanwhile, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Biscocho, This refers to your email dated November 18, 2014. Our records show that your policy has accumulated dividends of PhP53,208.80 For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Meanwhile, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. Please note that a policy is qualified for I-serve online transaction if there are no irrevocable beneficiaries and if it is not assigned. You may check if your policy is qualified for dividend withdrawal application through I-serve by simply going to Policyholder Services menu and clicking I-Serve. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Tablante, This is to acknowledge receipt of your email. You will be pleased to know that we have received your payment of PhP9,500.00 made through BDO. The amount of PhP9,069.00 has been left in our outstanding account to be applied to your next premium due on December 16, 2014. The excess amount of PhP431.00 has been used as partial payment to your current outstanding loan. If you wish to apply the amount of PhP9,069.00 to your outstanding loan, kindly send your confirmation by replying to this email. Meanwhile, our records show that you are scheduled to receive a Survivorship Benefit (SB) equal to 8% of your policy’s Sum Insured on December 16, 2014. We wish to inform you that the SB (or any benefit due) on the policy is automatically applied as partial (or full) payment for loan. We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Tablante, Apologies for our delayed feedback on your email. As we have discussed with you in our email dated November 14, 2014, the amount of PhP9,069.00 has been taken from the Cash Values and was added to your previous outstanding loan. This resulted from the unpaid premium due last September 16, 2014. As an update, your current outstanding loan is PhP109,666.80. We shall then apply the amount of PhP9,069.00 that we received from you, as partial payment to your outstanding loan. Meanwhile, as we have previously noted, you are scheduled to receive a Survivorship Benefit (SB) equal to PhP24,000.00 or 8% of your policy’s Sum Insured on December 16, 2014. Please be informed that we can only apply the SB to your premium if an excess amount is available after it has been applied as payment for loan. Should you have any other concerns, please feel free to let us know. Maraming salamat. *** Magandang araw Ms. De Jesus, This is to acknowledge receipt of your email. We wish to inform you that enrollment to EPON can be done over the counter at any Insular Life office nationwide. Forms needed for this transaction are also available *** Magandang araw Ms. Regalado, This refers to you email dated November 22, 2014. Our records show that you are scheduled to receive the Pension Benefits or Survivorship Benefit (SB) of your I-Fund policies under policy numbers A001827661 and A001827660. For you to claim the benefit, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 4. Duly accomplished and signed Customer Information Update form* 5. Duly signed Signature Affirmation form* 6. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 5. Duly notarized Special Power of Attorney 5.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 6. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available at any Insular Life office nationwide and are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. Meanwhile, we have noted your cancelled I-Serve transaction due to change in preferred payout option. Please note that we shall have to get in touch with you over the phone upon your next online transaction to verify your provided information. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Abuel, We would like to apologies for our delayed response on your email. Our records show that the quarterly premiums due last July 25, 2014 and October 25, 2014 were left unpaid. Hence, to keep your policy in active status, we have applied the Automatic Premium Payment (APP) provision to cover the unpaid premium. The APP provision states that in case no payment of premium is paid within the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. As a result of the foregoing, your unpaid premiums have been automatically paid using your dividends. As an update, the remaining accumulated dividends of your policy is PhP13,563.59. Your next quarterly premium of PhP711.00 will be due on January 25, 2015. For you to view the updated policy values and information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, we would like to encourage you to join our Magandang Araw ng Kapaskuhan sa Insular Life CASHandog 2014 and get a chance to win P104,000.00 or an i-Phone unit. To get raffle entries, simply submit your updated customer information via online, email, and over-the-counter. For more details about the program mechanics, log in to your i-EAGLE account and visit your Customer Portal homepage. Campaign period starts from October 25, 2014 up to January 22, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. Rito, Apologies for our delayed response on your email. Our records show that we received your payment of PhP96,900.00 last August 6, 2014. The amount has been added to your Premium Deposit Fund (PDF). As an update your PDF is now amounting to PhP98,089.73. Hence, your PDF is sufficient to cover your annual premium of PhP96,900.00 due last November 26, 2014. We would like to assure you that the system will automatically use your PDF balance if no cash payment is received after the 31-day grace period. However, you will still be receiving billing reminders which you may already disregard since the application of PDF to your premium will be effected after the grace period. For you to monitor if the PDF of your policy is still sufficient to pay your premiums, kindly follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Taguchi, First of all, we would like to apologize for our delayed feedback on your email. Please note that, as indicated in the Policy Loan Agreement that you agreed upon applying for policy loan through I-serve dated December 1, 2014, Item 7 indicates that the corresponding documentary stamp shall be remitted and reported to the Bureau of Internal Revenue (BIR) in accordance with the provisions of the National Internal Revenue Code. Hence, the Tax Identification Number (TIN) shall be required before we approve any “online” loan transaction. We have also confirmed from one of our Customer Care Assistant during your phone conversation that you are not able to provide the above mentioned requirement. In this regard, we regret to inform you that we have to disapprove, for now, your I-Serve loan transaction. However, you may contact the BIR for the verification of your TIN through the BIR CONTACT CENTER at (02) 981-8888. You may also send them an email at [email protected] or visit their website at http://www.bir.gov.ph. Once you have secured a TIN ID, you may re-apply for a policy loan through I-serve. We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Gahapon, Apologies for our delayed feedback on your email. First of all, thank you for joining our Magandang Araw ng Kapaskuhan sa Insular Life - CASHandog.2014. We would like to confirm that upon updating your personal information and enrolling your policy at our Customer Portal, you have earned two (2) raffle entries. You now have a chance to win PhP104,000.00 cash or an i-Phone 6 on the grand draw. Please check our email dated December 5, 2014 for the details of your raffle entries. To earn more raffle entries, enroll your premium paying policy at any of the online payment facilities below: • Automatic Charging Option (ACO) – automatically charge the premiums on your enrolled credit card to pay your future premiums when they fall due. • Easy Payment Option (EPOn) – automatically charge your modal premium in equal monthly amortizations. • Automatic Debit Arrangement (ADA) – automatically charge the premiums on your enrolled bank account to pay your future premiums when they fall due. For more details simply select payment facilities menu. Program period is until January 22, 2015. The list of winners will be available on our website (www.insularlife.com.ph) after the grand raffle draw on January 23, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Mamaril, Apologies for our delayed feedback on our email. As requested, attached are the Statements of Account for your insurance policy, under policy number W100074483, from the issuance of your policy up to December 31, 2012. We shall send the next batch of attachments in our next email. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Nevertheless, we made simulations on different devices and results show that the link is working. The scenario below may have been caused by an intermittent network connection, internet security issues or network limitations by your internet service provider during the time you tried to access the link. *** Magandang araw Mr. Bagaoisan, Apologies for our delayed feedback on your email. First of all, thank you for joining our Magandang Araw ng Kapaskuhan sa Insular Life - CASHandog.2014. We would like to confirm that upon updating your personal information and enrolling your policy at our Customer Portal, you have earned two (2) raffle entries. Likewise, we highly appreciate your support to our Go Green campaign by choosing to receive future premium notices through your i-EAGLE mailbox. Please be informed that this action ceases the sending of premium notices to your mailing address. This also entitles you another raffle entry for our CASHandog.2014 program. You now have a chance to win PhP104,000.00 cash or an i-Phone 6 on the grand draw. Please check our email dated December 9, 2014 for the details of your raffle entries. To earn more raffle entries, enroll your premium paying policy at any of the online payment facilities below: • Automatic Charging Option (ACO) – automatically charge the premiums on your enrolled credit card to pay your future premiums when they fall due. • Easy Payment Option (EPOn) – automatically charge your modal premium in equal monthly amortizations. • Automatic Debit Arrangement (ADA) – automatically charge the premiums on your enrolled bank account to pay your future premiums when they fall due. For more details simply select payment facilities menu. Program period is until January 22, 2015. The list of winners will be available on our website (www.insularlife.com.ph) after the grand raffle draw on January 23, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Cribe, This refers to your email dated December 8, 2014. You will be pleased to know that the accumulated dividends for your other policy with number A001249245 is sufficient to pay your semi-annual premium of PhP 7,668.00 due dated December 5, 2014. The system will automatically use your policy dividends if no premium payment is received after the 31-day grace period. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 6%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. However, you will still be receiving billing reminders which you may already disregard since the application of dividends to your premium will be effected after the grace period. Incidentally, we would like to encourage you to enroll your policy in our i-Eagle Customer Portal for your convenience. With the i-EAGLE Customer Portal, you will be able to enjoy the following benefits:   1. VIEW and PRINT your Policy Information Details (such as dividends, cash value, outstanding loan etc.) 2. VIEW and PRINT your latest Billing Notice. 3. PAY your Premiums online using Mastercard or VISA credit card through:     3.1. e-BAYAD – for one-time payment of current premium due.     3.2. Automatic Charging Option (ACO) – for payment of future premiums. 4. COMMUNICATE with our Customer Care Specialist through:     4.1. i-EAGLE Mail Box – for your email messages.     4.2. i-CHAT – for your service concerns requiring real-time feedback. 5. UPDATE your Personal Information.   To register, simply visit our website at www.insularlife.com.ph and click the “Customer Portal” button. Further, we would like to encourage you to join our Magandang Araw ng Kapaskuhan sa Insular Life CASHandog 2014 and get a chance to win P104,000.00 or an i-Phone unit. To get raffle entries, simply submit your updated customer information via online, email, and over-the-counter. For more details about the program mechanics, log in to your i-EAGLE account and visit your Customer Portal homepage. Campaign period starts from October 25, 2014 up to January 22, 2015. Should you have any other concerns, please feel free to let us know.   Maraming salamat po.    Very truly yours, *** Magandang araw Ms. Oliveros, This refers to your email dated December 9, 2014. We would like to inform you that a policy may only qualify for online loan application through I-Serve if no irrevocable beneficiary has been designated on the insurance policy. You may also refer to the attached I-Serve guidelines for your reference. Policy transactions that requires the consent and signatures of an irrevocable beneficiary are applicable for over-the-counter transactions only. We hope we were able to enlighten you with your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Gaviola, This is to acknowledge receipt of your email. A review of our records show that the Endowment at 60 insurance plan issued on July 25, 1980, had been paid for twenty nine (29) years and one (1) quarter before it was automatically converted to an Extended Term Insurance (ETI) effective October 25, 2009 when we did not receive the quarterly premium of PhP 234.35 within the 31-day grace period and the available Cash Values and dividends were no longer sufficient to pay the premiums.  Under ETI, you are covered for a Face Amount of  PhP 12,655.00 effective until July 25, 2015. Regrettably,  we can no longer reinstate your policy and place it back in active status once again since the three  (3)  year reinstatement period stipulated in Section 10 of the Policy Provisions  in  the Policy Contract  (under ‘Reinstatement’)   had expired on  July 25, 2012.    Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Durias, Allow us to give you clarity on this matter. As we have noted in our previous email, you can choose from the options below for the processing of your request: 1. Authorize Insular Life to deposit your benefit to your personal account by submitting the same set of requirements as you have done before. However, please accomplish the attached “revised” Authorization to Deposit form to make your request valid. 2. If you are expecting to receive several Cash Allowances in the future, you may submit the needed authenticated requirements on “one time” basis provided that there will be no changes in the details of the depository bank account to be used for bank to bank transfer. If the requirements are authenticated by the Philippine Consular Office in the country where you are currently residing, you don’t have to submit the set of requirements again and again in the future. We hope we had clarified matters with you. Should you have any other concerns, please feel free to let us know. Maraming salamat po. *** Magandang araw Ms. Wada, This is to acknowledge receipt of your email. Our records show that the I-Assure plan has already been paid for four (4) years and three (3) quarterly premiums with an outstanding loan of PhP9,782.71. You still have one more quarterly premium due on March 09, 2015 at PhP 7,925.00 each to pay before the policy would be fully paid. Incidentally, we would like to encourage you to enroll your policy in our i-Eagle Customer Portal for your convenience. With the i-EAGLE Customer Portal, you will be able to enjoy the following benefits:   1. VIEW and PRINT your Policy Information Details (such as dividends, cash value, outstanding loan etc.) 2. VIEW and PRINT your latest Billing Notice. 3. PAY your Premiums online using Mastercard or VISA credit card through:     3.1. e-BAYAD – for one-time payment of current premium due.     3.2. Automatic Charging Option (ACO) – for payment of future premiums. 4. COMMUNICATE with our Customer Care Specialist through:     4.1. i-EAGLE Mail Box – for your email messages.     4.2. i-CHAT – for your service concerns requiring real-time feedback. 5. UPDATE your Personal Information.   To register, simply visit our website at www.insularlife.com.ph and click the “Customer Portal” button. Further, we would like to encourage you to join our Magandang Araw ng Kapaskuhan sa Insular Life CASHandog 2014 and get a chance to win P104,000.00 or an i-Phone unit. To get raffle entries, simply submit your updated customer information via online, email, and over-the-counter. For more details about the program mechanics, log in to your i-EAGLE account and visit your Customer Portal homepage. Campaign period starts from October 25, 2014 up to January 22, 2015. Should you have any other concerns, please feel free to let us know.   Maraming salamat po.    Very truly yours, ***** Magandang araw Mr. Belarde, This is in reply to you email dated December 15, 2014 regarding updates on your credit card. Should you wish to change the credit card being used for your premium payment, below are the needed requirements: 1.) Authorization Form for ACO (see attached) 2.) Duly Accomplished Customer Information Update Form (see attached) 3.) Photocopy or scanned copy of the front face of your credit card 4.) 1 government-issued ID with photo and signature (scanned copy will do) We would greatly appreciate if you could give us the needed requirements above for us to process your request. You can send it through fax at 771-1940 or a scanned copy as an attachment to this email. We hope to hear from you soon. Should you have any other inquiries, please feel free it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** You will be pleased to know that your request to waive the authentication by the Philippine Consular Office has been approved. Kindly have all the documents notarized in replacement of the waived authentication.   As we have mentioned over the phone, you may send the scanned documents as an attachment to email for us to immediately evaluate and process your request. However, we can only proceed with the disbursement or bank transfer upon receipt of the original documents. You may try converting the images to PDF file for you to be able to attach them successfully.   Please send the Original Documents to:    Recipient Address Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934   Should you have other concerns, please feel free to let us know and we shall be glad to assist you in any way we can..   Maraming salamat po.   Very truly yours, ****** Magandang araw Mr. Sy, This refers to our email conversation regarding your policy. Please see below answers to your inquiry. 1. Can you check if my 2014 annual premium was already paid in full? You are insured under our Insular Diamond Jubilee plan with policy number A001442286 for PhP 1,250,000.00 effective August 2, 2000. The plan provides protection period from issue date up to age 99 and also requires payment of premiums with the same duration. 2. I would like to confirm if my 2014 premium payment was received by Insular.  Our records show that we received the payment for your annual premium due dated August 2, 2014 using your Citibank Card XXXXXXXXXXXX6880. Hence, your next annual premium of PhP 15,475.00 will be due on August 2, 2015. 3. Did Insular mail me Policy Anniversary Transaction History for 2014? If you have not received your Policy Transaction History (PATH) for your policy anniversary dated August 2, 2014, we shall endorse a request to the right responding unit for a copy. We will provide you immediate feedback through your Customer Portal mailbox once the request has been processed. The succeeding Policy Anniversary Transaction History (PATH) statement is now automatically being sent to your i-EAGLE mailbox on the anniversary date of your policy. 4. What is the meanings and differences between Net Cash Values and Accumulated Dividends? Cash values are part of the premiums you pay which is set aside as savings under an insurance policy. As a benefit under an insurance policy, one can apply for a loan against these cash values. Meanwhile, policy dividends are additional income earned by the company. As you may be aware, your policies earn annual dividend credit every policy anniversary date at a current rate of 4.5%. All our permanent policies may earn policy dividends, depending on the Company’s financial performance and the prevailing economic conditions for a given year. We hope we are able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw pong muli Ms. Macasaet, Thank you for your greetings and Happy New Year too. First of all, please accept our deepest sympathy to you and your family and the news of the passing away of your mother. Meanwhile, the system will automatically use your PDF balance after the 31-day grace period dated January 15, 2015. You may check the updates on your policy values after the said date. Further, you may replenish the funds deposited in your PDF to avoid missed payments. You may do so by simply paying a minimum amount of PhP500.00 in a similar way as to how you previously sent you premium payment. Once payment was sent, you may inform us through email that the amount is intended for PDF deposit. We hope we are able to address all your concerns. Should you have any other inquiries, please feel free to let us know. Maraming salamat po. *** Magandang araw Mr. Mallari, This refers to your email dated January 14, 2015. Our records show that the accumulated dividends of your policy is now amounting to PhP17,515.34. For you to view the updated policy values and information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. If you wish to withdraw the accumulated dividends on your policy, kindly accomplish and submit to us the following: 1. Duly accomplished "Dividend Withdrawal" form signed by: a. Policyowner b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. c. Assignee, if the policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 2. Duly signed Specimen Affirmation Form* 3. Duly accomplished and signed Customer Information Update form* 4. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney (see attached) must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 5. Duly notarized Special Power of Attorney also authenticated by the Philippine Consular Office. 6. One (1) valid photo-bearing government issued ID (with signature) of the authorized representative. *Forms can be downloaded at our website and also available at any of Insular Life's district offices. You may submit the requirements to any Insular Life office near you or or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Visayas, This refers to your email dated January 16, 2015. Our records show that the annual premium of PhP 26,400.00 due on February 1, 2015 has been charged from your SCB credit card number XXXX-XXXX-XXXX-1529 last January 16, 2015. Please see the ACO Acknowledgement Receipt attached to our previous email for your reference. Meanwhile, you have successfully changed your credit card for ACO on the same day. Charging of premiums from your EASTWEST credit card number XXXXXXXXXXXX0006 will start on your next annual premium due dated February 1, 2016. We hope we are able to address your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Pinera, This refers to you email dated January 24, 2015. First of all, thank you for your response to our email dated January 22, 2015 regarding the Survivorship Benefit (SB) of your policy number A002073515 amounting to PhP40,000.00. For you to claim the SB, you may either request for a bank transfer or transact through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature 5. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are available for download from our website. We would also like to inform you of the excess amount of PhP2,944.98 from your previous payments. In this regard, the check for refund on your policy under this policy may be claimed at any Insular Life offices near you. Please bring 1 Government issued ID upon claiming your check. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Tablante, This refers to your email dated January 29, 2015. Our records show that your quarterly premium of PhP 9,069.00 due last December 16, 2014 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from the Cash Values and was added to your previous outstanding loan. Your latest loan payment of PhP1,000.00 was done last January 19, 2015. As an update, your policy is still active with no dividends and with an outstanding loan of PhP90,663.46. Your next quarterly premium will be due dated March 16, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Ms. Almaden, Thank you for accommodating our call last February 2, 2015. As we have discussed during our conversation, kindly apply again for I-Serve Dividend Withdrawal and choose bank transfer as your preferred payout option. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Ramos, This is to acknowledge receipt of your email. Our records show that the accumulated dividends of your policy number A001431653 is now amounting to PhP15,060.14. Hence, it is sufficient to pay your annual premium of PhP4,515.00 due dated January 27, 2015. The system will automatically use your policy dividends if no premium payment is received after the 31-day grace period. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%. As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. However, you will still be receiving billing reminders which you may already disregard since the application of dividends to your premium will be effected after the grace period. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Meanwhile, we have endorsed your request for Statements of Premium Payments and Annual Dividends to the right responding unit for evaluation and processing. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have other concerns regarding your policy, please feel free to let us know. Maraming salamat po. *** Magandang araw Mr. Mojica, We would like to apologize for our delayed response on your email. First of all, allow us to give you an update on the current status of your policy. Our records show that your I-Assure Max plan under policy number A002166402 is currently active and has been fully paid since February 9, 2014. It has accumulated dividends of PhP2.06.00 and no outstanding loan. As you may be aware, your policy entitles you to a Survivorship Benefit (SB) equivalent to 8% of the sum insured indicated in the policy data page, less any outstanding loan under the policy. In this regard, your outstanding loan of PhP16,283.29 as of February 4, 2015 was paid using the SB due dated February 9, 2015. Further, you were not able to claim your SB due dated February 9, 2013. Hence, your total SB is now amounting to PhP143,716.71. For you to claim the SB, you may either request for a ‘bank transfer’ or transact through an ‘authorized representative’. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Beneficiary Information Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Request to Deposit to Bank Account Proceeds of Policy Transaction (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Beneficiary Information Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Request to Deposit to Bank Account Proceeds of Policy Transaction (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Duly accomplished and signed Customer Information Update form* 3. Beneficiary Information Form* 4. Duly signed Signature Affirmation form* 5. Your one (1) valid photo-bearing government issued ID with signature 6. Representative’s one (1) valid photo-bearing government issued ID with signature *forms are attached Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Ferrer, We would like to apologize for our delayed feedback on your email. Our records show that your policy was issued under the Money Back Reloaded plan effective June 28, 2011. Monthly premiums for your insurance plan were religiously paid from issue date up to April 28, 2012. However, we noted that we were not able to receive payment for your monthly premium due dated on May 28, 2012. As a result, your policy was placed under inactive status. If you feel that you no longer need that protection that the policy provides you and would want to surrender it, please be informed that there will no proceeds that will be received from the transaction.  This is on account that the policy has not yet earned its Cash Surrender Values. Also we could not refund the premium payments on the policy since you have been under the protective coverage of the policy from the effective date up to the last due date. But if you would like to maintain the protective coverage for the benefit of yourself and your loved ones, you can have the policy ‘reinstated’ back to its active status at a later date when your financial situation has improved.  As stated in the policy provisions,  you may reinstate  the policy within three years after it lapsed  (before May 28, 2015). Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming Salamat. Very truly yours, ******** Magandang araw Ms. Gaviola, We would like to apologize for our delayed response on your email dated February 14, 2015. A review of our records shows that the Endowment at Age 60 Plan issued on December 31, 1979 has indeed matured last December 31, 2014. To claim the Maturity Benefit, please submit the following to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone number (02) 582-1818. 1. Original Policy Contract (if the policy is lost or damaged, you can submit a notarized Lost/Damaged Policy Affidavit with Discharge of Policy* instead); 2. One (1) valid photo-bearing government-issued ID with signature of the Policyowner 3. Customer Information Update form * 4. Specimen Affirmation form * If you wish to be represented by your son to transact in your behalf, please require the representative to submit the following in addition to the above mentioned requirements: 5. Duly notarized Special Power of Attorney* 6. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached **Since you are currently abroad, all forms to be submitted must be duly authenticated by the Philippine Consular Office in the country where you are currently residing We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. De Villa, This refers to the online request for policy loan made on your Five Star Life plan under policy number A001902188 through your i-Eagle Customer Portal account using I-Serve dated February 19, 2015. We are currently in the process of evaluating your request. We tried to call you using your given contact number (042)7107987/ 09052822806/(00974)33768057for us to verify some information but we were not able to reach you. In this regard, please provide us your updated contact information and available time and day of call to enable us to proceed with the processing of your request. Our business hours are from 7:00am – 4:00pm (Philippine Time), Mondays to Fridays. We hope to hear from you on or before February 27, 2015 for us to facilitate your registration. Should you have any other concerns, please feel free to let us know. Maraming salamat po. *** Magandang araw Mr. Mojica, We would like to apologize for our delayed feedback on your email. Our records show that your quarterly premiums are religiously paid. However, the premiums due dated February 9, 2013 and August 9, 2013 were left unpaid. As you may be aware, the Automatic Premium Loan (APL) provision stipulated in your policy contract has been applied to the policy to cover the unpaid premium and to keep your policy in active status,. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Regrettably, we can no longer adjust the amount since the provisions are stipulated in your policy contract. It is also stated in your policy contract that any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw Mr. Torres, This refers to your email dated February 22, 2015. Our records show that your semi-annual premium due dated January 11, 2015 was left unpaid. To keep your policy in active status, the Automatic Payment of Premium (APP) provision has been applied to the policy to cover the unpaid premium. The APP provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Hence, your next semi-annual premium will be due on July 11, 2015. Meanwhile, we wish to inform you that you may pay your premiums through our online payment facilities using your Mastercard or VISA credit cards. For one-time payment of your premium, you may use our e-BAYAD payment facility, and for automatic charging of future premiums, you may enroll in our Automatic Charging Option (ACO). For more convenient ways of paying premiums through cash while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILA001076536 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank we will use them in following up your payment with the local bank. If you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your premiums. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘IL0002301532’. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******* Magandang araw Mr. Sinajon, Thank you for responding to our email You will be pleased to know that we have updated the personal information of your beneficiaries based on your provided Beneficiary Information Form. Should you wish to check the updated file, please go to Policyholders Services menu. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******* Magandang araw Mr. Mojica, This is to acknowledge receipt of your email and thank you for relaying your concern. We noted that you are requesting for a consideration with regards to the interests that were charged on your policy due to the unpaid quarterly premiums; February 9, 2013 and August 9, 2013. We understand your concern, however, we would like to inform you that reversal of the interest charges on the policy is possible only if a payment was made within the 31-day grace period from the due date of the policy, Since the above mentioned due dates were already beyond the allowed grace period, reversal of interests are no longer applicable. Further, please be informed also that a loan interest refund was deducted during the time you made a loan payment. See computation below on how your payment was applied: Loan Payment Application Previous Loan Balance: 97,688.97 Less: Payment 81,270.00 Loan Interest Refund 135.68 Remaining Loan Balance: 16,283.29 The remaining loan balance of PhP16,283.29 was already settled by the Benefit Payout of your insurance policy during its anniversary date last February 9, 2015 as follows: Benefit Payout for 2015 Sum Insured x  8% = Benefit Payout 1,000,000.00 x 8% = 80,000.00 Automatic Application of Benefit Payout as Loan Payment Benefit Payout – Loan Balance = Excess Payable 80,000.00 – 16,283.29 = 63,716.71 Our records further show that you have not yet claimed also the first Benefit Payout last year 2013. In view of this, you have a total of unclaimed Benefit Payout of PhP143,716.71. You can claim this benefit at any Insular Life office near you. Simply bring the following requirements: Original Policy Contract One valid government issued photo-bearing ID with signature Moreover, as for the dividend earning of your insurance policy, please note that the dividends are dependent on the Company’s actual experience and on the prevailing economic conditions. We hope we clarified matters with you. Should you have any other concerns, please feel free to let us know. Maraming salamat po. *********** Magandang araw Mr. Serrano, This refers to your email dated November 12, 2014. Our records show that your annual premium of PhP41,940.00 due last January 17, 2015 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from the Cash Values and was added to your previous outstanding loan. As an update, your policy is still active with no dividends and with an outstanding loan of PhP144,014.10. Your next annual premium will be due dated January 17, 2016. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA001779655’. For more convenient ways of paying premiums while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILA001076536 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ************ Magandang araw Ms. Galang, This is to acknowledge receipt of your email. We have noted your request and further verification of our records show that, to regain the active status of your insurance policy, the Cash Allowance has been automatically applied as partial payment to your outstanding loan during its anniversary date last February 24, 2015. For you to review the history of what has transpired in your policy, we have requested a Statement of Policy Loan from to the right responding unit for evaluation and processing. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have any other concerns, please feel free to let us know. Maraming salamat po. *** Magandang araw Ms. Cruz, This refers to your email dated March 6, 2015. Please be informed that the annual dividend indicated in your premium notice is the dividend earned for a year. As an update, the accumulated dividends of your policy is now amounting to PhP168,700.11. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Meanwhile, as you may notice, the accumulated dividends for your policy are sufficient to pay your annual premium of PhP20,900.00 due dated August 11, 2015. The system will automatically use your policy dividends if no premium payment is received after the 31-day grace period. However, you will still be receiving billing reminders which you may already disregard if you wish to effect the application of dividends to your premium after the grace period. If you would like to withdraw the accumulated dividends you will need to submit the following requirements: 1. Duly accomplished Dividend Withdrawal form* 2. Duly signed Signature Affirmation Form* 3. Duly accomplished and signed Customer Information Update form* 4. One (1) valid photo-bearing government issued ID, with signature, *Forms can be downloaded from our website and also available at any district offices. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. We hope we were able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Oracion, First of all, we would like to apologize for our delayed response to your email. Our records show that your policy was issued under the Insular Diamond Life plan for PhP 150,000.00 effective April 18, 1991. Basically, this plan provides insurance protection for life and continuous payment of premium up to age 99. In the course of sales presentation, our agents normally show illustrations of dividend earnings for a prospective policy. These illustrations are based on the dividend formula and the interest rate on accumulated dividends in effect at the time of sales presentation. However, since future dividends depend on future Company experience and on the prevailing economic conditions, they are not guaranteed. Thus, the shortened premium-paying period is likewise not guaranteed. As of now, you have an accumulated dividends of PhP42,892.80 which can cover some of your quarterly premiums of PhP 753.47. In case you wish to use the dividends to pay for your future premiums, it is possible under the Automatic Payment of Premium (APP) provision. The APP provides that in case no payment of premium is paid with in the allowed grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. If you wish to use the dividends to pay for your future premiums, please note that you will still receive billing notices and billing reminders, through your i-EAGLE Customer Portal Mailbox, since premiums are still payable on your insurance policy. You may disregard such notices if you find your dividends sufficient to pay your premiums. In the event that the accumulated dividends of your policy become insufficient to cover your subsequent premiums, you will need to continue paying your premiums. Hence, we suggest that you regularly monitor your accumulated dividends and dividend earnings. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. Likewise, withdrawal of dividends and application as payment for loan, if any, shall greatly affect its application for premium payments. Meanwhile, we encourage you to optimize the use of your i-EAGLE Customer Portal account. With your i-EAGLE Customer Portal, you may be able to enjoy the following benefits: For Regular and Direct Marketing Plans: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. Other features: • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, *** Magandang araw Ms. Cruz, This refers to your email dated March 10, 2015. As we have discussed in our previous email, the annual dividend indicated in your premium notice is the dividend earned for a year. As an update, the accumulated dividends of your policy number 0002257921 is now amounting to PhP6,526.67 and your policy number A001230182 has PhP168,700.11. Kindly check our email reply dated March 10, 2015 for our discussion on what you may do with your dividends. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Dela Cruz, Thank you for responding to our email as we were able to update your personal information with us. We would like to inform you that there will be no change in the amount of premium if you will add a rider on your Wealth Secure policy. However, please note that the monthly cost of insurance for the rider will be deducted from the fund values of your policy. Any qualified rider may be attached at any time or effective next due date or anniversary date. Below is the list of the initial requirements to be accomplished and submitted to any Insular Life District Office near you: 1. Original Policy Contract 2. Duly accomplished Application for Reinstatement/ Policy Change form* (ARPC) signed by:     2.1. Applicant-Owner     2.2. Irrevocable beneficiary if any; 3. Wealth Series Rider Addition-Cancellation form* 4. Financial Questionnaire* 5. Duly signed Signature Affirmation form* 6. Duly accomplished Customer Information Update form* 7. One (1) valid photo-bearing government issued ID (with signature) of the following:     7.1. Applicant-Owner     8.2. Irrevocable beneficiary if any; *see attached Please also take note that the ARPC form shall be signed in the presence of our customer care specialist. Hence, this should be done in an over-the-counter transaction at any Insular Life District Office. Further, the above-mentioned requirements are subject for evaluation. Hence, we may ask for additional requirements while we are processing your application depending on the information indicated on the documents to be submitted. We hope you will find everything in order. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, *** Magandang araw Ms. Baker, This is to acknowledge receipt of your email. Allow us to enlighten you on this matter. The Insurance Charges is defined as the amount of charges used to cover our payment for the Sum Insured in the event of untimely demise or if the policy becomes a claim. It is based on the attained age of the insured and is charged on a monthly basis from the Fund Values of your policy. These charges also reflect on the quarterly Statement of Account being issued to you. Since the monthly cost of Insurance Charges are deducted from the Fund Values, you no longer need to pay an extra amount for the said charges since the Fund Values are being replenished every time you pay your quarterly premium due. We hope we were able to provide you with the information you need. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Zamora This refers to your email dated March 15, 2015. Our records show that your College Provider Plan with policy number A001942818 will mature on the child insured’s Seventeenth (17th) birthday on April 21, 2015 wherein you are entitled to receive the Educational Benefit on the said date also. As an update, your policy has already been fully paid with no outstanding loan and has accumulated dividends of PhP19,969.19. To claim the Educational Benefit, you may either request for a bank transfer or transact personally over the counter or through an authorized representative. Below are the following instructions for the mentioned options: A. For bank transfer – direct deposit to bank account (subject to bank charges) 1. Send the following requirements needed for bank transfer through your i-EAGLE mailbox: a. Duly accomplished and signed Authorization to Deposit form (see attached) – if bank account is from a foreign depository bank, submit a Bank Certificate. b. Duly accomplished and signed Customer Information Update form* (see attached) c. Duly signed Signature Affirmation form* (see attached) d. One (1) valid photo-bearing government issued ID with signature Then send the Original documents including the Policy Contract to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 You can have the forms submitted as an email attachment through the i-EAGLE Mailbox before the maturity date. B. Transact personally at any Insular Life Offices – release of maturity benefit through crossed check. 1. Submit the Original Policy Contract 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney* 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *see attached *Forms are also available for download from our website. We hope that the above information was able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. Quiring, This is to acknowledge receipt of your email. Our records show that your policy has a tentative cash surrender value of PhP23,888.00. The latest annual premium of your policy is due dated February 22, 2015. Please note that if we do not receive a premium payment within the 31-day grace period, the Automatic Premium Loan (APL ) provision shall be effected on your policy. The APL provides that in case no payment of premium is paid within the grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Tangpos, This is to acknowledge receipt of your email. Allow us to enlighten you on this matter. The Other Charges indicated in your Statement of Account is the Acquisition and Administration Charges. It is defined as the amount of charges used to cover all expenses associated with selling and issuing the policy. These charges are 85%, 51%, and 36% of the regular premium in the first, second, and third policy year, respectively. These charges are billed according to your chosen mode of premium payment. We hope we were able to provide you with the information you need. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Francisco, This refers to your email dated March 20, 2015 Our records show that your semi-annual premium of PhP29,850.00 due dated April 4, 2014 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision stipulated in your policy contracts states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. As an update, your policy is still active with no dividends and with an outstanding loan of PhP33,160.24. Your next semi-annual premium will be due dated April 4, 2015. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA001966760’. Incidentally, you may view the updated values of your insurance policies within the i-EAGLE Customer Portal by following the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. Diaz, This is to acknowledge receipt of your email. You will be pleased to know that as of the last anniversary date, your policy has a loanable amount of PhP81,500.00 and accumulated dividends of PhP12,355.73. Incidentally, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply go to the Policyholders Services menu and click I-Serve. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Ms. Seneca, This refers to your email dated March 21, 2015. First of all, allow us to explain the basic features of the insurance plan that you are referring to. Our records show that you are insured under the Five STAR life Plan with policy number A001458260 issued on January 23, 1999 with a Sum Insured of PhP500,000.00. It is a whole life plan that provides insurance protection up to age 99 years of the insured and requires payment of premiums for five (5) years only.  It also provides the following benefits: Death Benefit  equivalent to the sum insured less any outstanding loan, that will be given to the beneficiary/ies upon death of the insured,; Maturity Benefit equivalent to the sum insured less any outstanding loan,   that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured. The policy’s Maturity Date is   January 23, 2076; Available Cash Values that may be loaned  against the policy in case of emergencies as of the current date the available Cash Values are PhP60,415.00  and Annual Dividends may be declared each year. As an update, your policy has been fully paid since January 23, 2004. It has no outstanding loan and has an accumulated dividends of PhP55,020.97. Incidentally, you may view the updated values of your insurance policies within the i-EAGLE Customer Portal by following the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. De Villa, This is to acknowledge receipt of your email. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA001902188. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. *** Magandang Araw Mr. Dulhao, This is to acknowledge receipt of your email. Our records show that your policy was issued last February 9, 2015. Please be informed that the Statement of Account (SOA) of your policy is being sent to our policyholders on a quarterly basis. Meanwhile, for you to regularly monitor and view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Bagasani, First of all, we would like to apologize for our delayed feedback on your email. We have evaluated your concern and we would like to confirm that the authentication by the Philippine Consular Office is no longer required if you are in the Philippines at the time of the request or the transaction. Our records show that indeed the Survivorship Benefit of your I-Fund Plan with policy number A001840431 is now available for claim. As you may know, below are the options that you can choose from for the disbursement of proceeds for this transaction: 1. Authorize Insular Life to deposit your benefit to your personal account. Bank charges, if any, shall be for your account and shall be deducted from the total proceeds of your policy. A. For Single bank account - please submit a Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) B. For joint bank account - the joint accountholder must: a. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form b. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. 2. Transact personally at any of our Insular Life office. Release of proceeds will be through a crossed check for deposit to your bank account. This can be processed within the day since you will personally visit our office. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************* Magandang araw pong muli Ms. Tangpos, First of all, we would like to apologize for our delayed feedback on your email. Wealth Secure is a peso-denominated investment linked insurance plan that provides insurance protection and makes available funds you can use for whatever purpose you may have. Basically, your plan is a combined investment and protection where your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment funds of your choice. One of the best advantages of this type of plan is that you are able to invest through a regular-premium. Hence, you don’t have to invest a large sum at the start of the plan. In this regard, the amount usually charged for all new policies which covers all expenses associated with issuance of your policy was also distributed into 85%, 51%, and 36% of the regular premium in the first, second, and third policy year, respectively for your convenience. Please be assured that 100% of your premiums will be allocated to the fund on the fourth (4th) year of your policy. Further, please also be informed that through investment, you can gain more returns than putting your money in the bank. The fund allocation can definitely become higher versus the insurance charges the longer you keep the policy. The basic insurance coverage, in the event of untimely demise, is guaranteed and mainly a multiple of the annual premium. Meanwhile, we are currently gathering the pertinent details for us to present you with a detailed summary of what has transpired in your policy for your reference. We shall provide you with feedback regarding your concerns once we have completed our evaluation. In the meantime we ask you to please bear with us. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Nozares, This refers to your email dated First of all, allow us to explain the basic features of your insurance plans. Our records show that you are insured under the I-Assure plan with policy numbers A002232053 issued dated May 17, 2011 and A002284064 issued dated January 14, 2015 both with the Sum Insured of PhP 1,000,000.00 . This plan provides the following benefits separately for each policy: Provides insurance protection from issue date of the policy up to age 99; Requires premium payment from issue date of the policy up to the policy’s 10th year; Maturity benefit equivalent to sum insured less any indebtedness, should you outlive the maturity date of your policy; Death benefit equal to sum insured less any indebtedness, if any, payable to designated beneficiaries; Guaranteed cash values which may be available for policy loan in case of emergency; Annual dividends as may be declared based on actual Company experience.    Hereunder are the current details of your insurance policies: If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. Further, please be informed that there will no proceeds that will be received from the transaction if you wish to surrender your policy number A002284064 .  This is on account that the policy has not yet earned its Cash Surrender Values. Also we could not refund the premium payments on the said policy since you have been under the protective coverage of the policy from the effective date up to the last due date. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming Salamat. Very truly yours, *** Magandang araw Ms. Lurzano, This refers to our chat conversation earlier today. You were inquiring if the face amount of your can be reduced. Evaluation of your request and verification of records shows that your Wealth Secure policy under policy number W100092931 has a Sum Insured of PhP100,000.00. The quarterly premium of your policy is PhP 5,400.00 with a total of PhP21,600.00 per year. Please be informed that the minimum annual premium allowed for Wealth Secure is PhP20,000.00. Hence, your policy is currently at the minimum Face Amount allowed. Meanwhile, you may reduce the yearly premium of your policy from PhP21,600.00 to PhP20,000.00 by changing the mode of premium from quarterly to annual. You may request to change your mode of premium once you have settled your quarterly premium due for February 23, 2015. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ************* We have evaluated your concern and for you to claim any available benefits from your policy, simply authorize Insular Life to deposit your benefit to any of your personal commercial account. Bank charges, if any, shall be for your account and shall be deducted from the total benefit of your policy. We hope we were able to address your concern. Should you have any other concerns, please feel free to let us know. Maraming salamat po. *** Magandang araw Ms. Campos, This is to acknowledge receipt of your email. Please be informed that premiums are only accepted for Automatic Debit Arrangement through any of the following banks: • Bank of the Philippine Islands (BPI) • BDO • Metrobank • UnionBank of the Philippines (UBP) You may also pay directly or over-the-counter through any of the banks indicated above. Kindly present the billing notice when paying at the bank teller. In case you have an account with The Bank of the Philippine Islands, you can also use their online facility (www.bpiexpressonline.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILW100143147). Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Dinoso, This is to acknowledge receipt of your email. For you to regularly monitor and view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. For more convenient ways of paying the outstanding loan and premiums while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : IL0009010818 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. If you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your premiums. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘IL0009010847. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***************** Magandang Araw Ms. Osorio, This is to acknowledge receipt of your email. We wish we could effect the change of frequency of your premium payment from quarterly to semi-annual as per your request. However, we can only change the frequency of your premium payment on the anniversary of each policy during the premium paying period. Hence, we will provide you update once the change in mode of payment has been processed on the dates provided below: • PNA001763263 – September 12, 2015 • PN W100003516 – August 28, 2015 Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *******************8 Magandang araw Ms. Dela Cruz, This is to acknowledge receipt of your email. We have noted that you wish to view the information of your husband's policy. Hence, we would like to encourage your husband to enroll his policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. If he wish to enroll his policy at our i-Eagle Customer Portal online, simply have him visit our website (www.insularlife.com.ph), and register in our Customer Portal option. If you will be the one to register and use your email address in the registration of his insurance policy at our i-Eagle Customer Portal, hereunder are the following requirements in order for us to grant you access in our online facility: • Duly accomplished authorization form*, authorizing you to register, and; • Photocopy of One (1) valid photo-bearing government issued proof of identification (with signature) of: 1. Applicant-Owner 2. Authorized Representative. • Duly accomplished Beneficiary Information Update Form* • Duly accomplished Customer Information Update Form* *Forms are attached. Please do understand our standard procedure as we want to ensure that such request is being made by the right owner for the right insurance policy. This is to avoid irregular access of policy information by individuals other than owner of the policy. Also, this will allow us to update the customer’s information in our database. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw Ms. Amancio, This refers to your email dated April 4, 2015. As per verification with the right responding unit, the mentioned agents – Miguel Villaescusa & Arnel del Moro – are both active. In this regard, we regret to inform you that we can only process the request for transfer of a policy to a different agent if the agent to be replaced is officially inactive. Meanwhile, both agents are affiliated under Alabang Hills DSO. We have endorsed a request to the higher management of their unit to coordinate with both agents and see how they can both discuss how to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Tablante, This refers to your email dated November 12, 2014. Our records show that your quarterly premium of PhP9,069.00 due last September 16, 2014 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. The remaining loan balance of PhP16,283.29 was already settled by the Benefit Payout of your insurance policy during its anniversary date last February 9, 2015 as follows: Benefit Payout for 2015 Sum Insured x  8% = Benefit Payout 1,000,000.00 x 8% = 80,000.00 Automatic Application of Benefit Payout as Loan Payment Benefit Payout – Loan Balance = Excess Payable 80,000.00 – 16,283.29 = 63,716.71 ************ Magandang araw Mr. Pascual, First of all, we would like to apologize for our delayed feedback regarding the Anticipated Endowment of your policy. Verification of our records shows that the documents you have submitted last April 30, 2013 is only valid for one year. In this regard, you can choose from the options below for the processing of your request: 1. Authorize Insular Life to deposit your benefit to your personal account by submitting the same set of requirements as you have done before. However, please accomplish the attached “revised” Authorization to Deposit form and Beneficiary Information Update form to make your request valid. 2. If you are expecting to receive several Cash Allowances in the future, you may submit the needed requirements on “one time” basis provided that there will be no future changes in the details of the depository bank account to be used for bank to bank transfer. Simply select your preferred validity on Item number 2 of the attached form. Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw pong muli Ms. Dytioco, Thank you for acknowledging receipt of our email reply. This refers to your email dated April 25, 2015. Our records show that you are scheduled to receive an Anticipated Endowment amounting to 4% of your policy Sum Insured on its eleventh (11th) anniversary dated January 17, 2016. Likewise, the Anticipated Endowment of your policy is scheduled as follows: 11th to 15th year = 4% of Sum Insured16th to 20th year = 6% of Sum Insured We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******************* Magandang araw Ms. Duarte, This refers to your email requesting for a change in the frequency of your premium. You will be pleased to know that we have successfully changed the premium mode of your policy from annual to quarterly as requested. As an effect, the modal premium of your policy has been changed from the annual premium of PhP30,000.00 to Php8,100.00 per quarter. As advised to you by one of our Customer Care Assistants, your total payment of PhP15,000.00 can only cover the quarterly premium due dated December 18, 2014. Hence, there will be an excess amount of PhP6,900.00, which may be used as payment to your quarterly premium due last March 18, 2015 once you add an amount of PhP1200.00. Please see below computation for your reference. Total payments:PhP 15,000.00 Less: Quarterly premium: 8,100.00 Excess payment: 6,900.00 Quarterly Premium due last March 18, 2015: PhP8,100.00 Less: Excess payment: 6,900.00 Amount to be paid: 1,200.00 We hope we had clarified matters with you. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ***************** Magandang araw Ms. Tablante, We would like to apologize for our delayed feedback on your email dated May 2, 2015. Please see below answers relative to your inquiry. 1. I've lost track of my payables-premium and loans. Can you provide me with the breakdown and total amount payable by responding to this email Our records show that your next quarterly premium of PhP9,069.00 will be due on June 16, 2015. Your policy has an outstanding loan of PhP95,050.80 which you may settle either in full or by installment basis of any amount to any Insular Life office near you. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. 2. I know I'm on quarterly payment- can we change this asap to monthly? Yes, we may change the mode of your premium from quarterly to monthly before it fall due on June 16, 2015. Once processed, the premium amount will be changed to monthly premium of PhP3,273.75. Kindly confirm if you wish to pursue changing the mode of your premium to enable us to process your request immediately. 3. What will happen if I decide to cancel this contract? I know this will be due until 2018. If you feel that you no longer need the protection that your policy provides and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. We hope we were able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***************** Magandang araw Ms Rabago, This refers to your email dated May 7, 2015. Please be informed that the schedule of your pension benefits can only be seen in your policy contract. However, you will be notified through your I-EAGLE mailbox once these benefits becomes available for claim. Likewise, the Pension Benefit or SB of your I-Fund policy is scheduled as follows: 8th to 11th year = 10% of Sum Insured 12th to 14th year = 20% of Sum Insured Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********************** Magandang araw Mr. Francisco, We would like to acknowledge the receipt of your e-mail below. If your are referring to our subsidiary Insular HealthCare , Inc.,  which provides  managed  healthcare services to it’s members, you can apply for their services   at  ‘www.insularhealthcare.com.ph’.  Click on the dropdown menu for  ‘Online Services”  then “Applications’ then  choose ‘New Application for Individuals and Family Accounts’.  Then follow the on-screen instructions for the  on-line rate calculator and  online  application. We hope that we have addressed your concern.    Should there be any other inquiries or concerns, please feel free to let us know. Maraming salamat. Kai S. Ines Key Accounts Manager  Insular Health Care, Inc. 2/F Insular Health Care Bldg.,    167 Dela Rosa corner Legazpi Streets, Legazpi Village, Makati City 1229, Metro Manila, Philippines   Tel: (632) 813-0131 loc. 8102 Fax:(632) 813-7856 Visit us at www.insularhealthcare.com.ph   Like us on Facebook www.facebook.com/insularhealthcareph ***************** Magandang araw Ms. Cabungcal, This is refers to your email sent to our [email protected] last May 7, 2015. First of all, allow us to explain the basic features of your insurance plan. Our records show that your Life Anticipated Mutual Plan (LAMP) policy under policy number A001592645 was issued on January 31, 2000 with a Sum Insured of PhP 1,000,000.00. It has already been paid for eight (8) years with no outstanding loan and has accumulated dividends of PhP52,722.44. As a whole life plan it provides protection from the date of issue until age 99 years of the insured. Premiums are payable from the issue date up to age 99 years. It provides the following benefits: • Death Benefit equivalent to the sum insured, less any outstanding loan will be given to the beneficiary/ies upon death of the insured; • Maturity Benefit equivalent to the sum insured, less any indebtedness, will be payable on the policy anniversary date after reaching the age of 99 years by the insured; • Anticipated Payments granted every five (5) years starting from the issue date at the following rates: on the 5th year 10% of the Sum Insured, on the 10th year 15% of the Sum Insured, on the 15th year 20% of the Sum Insured and on the 20th year and every five (5) years thereafter 20% of the Sum Insured; • Available Cash Values that may be loaned against the policy in case of emergencies; and • Annual Dividends as may be declared each year, based on actual company experience If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of May 11, 2015, the Cash Surrender Value (CSV) of your policy is PhP179,762.44. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by: a. Policyowner b. Irrevocable beneficiary/ies, if any. c. Assignee, if the policy is assigned 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. 6. Duly accomplished and signed Beneficiary Information form* 7. DPS FATCA form If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw Ms. David, Thank you for the information that you provided. For more convenient ways of paying premiums while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILA001076536 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. If you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your premiums. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA001076536’. Meanwhile, we tried to call you using your given contact numbers to enroll you in our i-EAGLE Customer Portal over the phone but we were not able to reach you. In this regard, kindly provide us your available time of call to enable us to assist you with your enrollment. Through our i-EAGLE customer portal, you may be able to enjoy the following benefits: 1. VIEW and PRINT your Policy Information Details. 2. VIEW and PRINT your latest Billing Notice. 3. PAY your Premiums online using Mastercard or VISA credit card through: 3.1. e-BAYAD – for one-time payment of current premium due. 3.2. Automatic Charging Option (ACO) – for payment of future premiums. 4. COMMUNICATE with our Customer Care Specialist through: 4.1. i-EAGLE Mail Box – for your email messages. 4.2. i-CHAT – for your service concerns requiring real-time feedback. 5. UPDATE your Personal Information. If you wish to enroll your policy online and use a Mastercard or VISA credit card, simply visit our website at www.insularlife.com.ph and register in our Customer Portal option. Once the i-EAGLE account has been activated after your enrollment has been approved, then you may proceed with the enrollment of your Mastercard or VISA credit card in any of our payment facilities to pay for your premiums. Please follow the steps below on how to enroll a credit card under ACO within the i-EAGLE Customer Portal: 1. Click ACO menu 2. Read the ACO Terms and Conditions and select AGREE button to continue. 3. Answer the security question. 4. Fill in the registration form to enroll any VISA/MASTERCARD credit card/s. 5. Once finished, click SUBMIT button. 6. Choose the desired policy(ies) to be assigned on the specific credit card for automatic charging premiums. 7. When done, click on SUBMIT button to confirm assignment of policies. 8. Wait for the enrollment confirmation via SMS, Customer Portal Mailbox, and Personal Email. Likewise, below are the needed requirements for the transaction: • Authorization Form for ACO (signed by Policy owner and Credit Card Holder) (see attached) • Duly Accomplished Customer Information Update Form (see attached) • Photocopy or scanned copy of the front face of your credit card • 1 government-issued ID with photo and signature of the policy owner and the Credit Card holder (scanned copy will do) If you prefer to pay through e-BAYAD within the i-EAGLE Customer Portal, please follow these steps: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper right portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. We hope you’ll be able to find everything in order. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, _______________________ Magandang araw Ms. Cagulada, We would like to apologize for our delayed feedback on your email. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, we would like to confirm if you are pertaining to policy loan from your cash values or you wish to surrender your policy? If you are pertaining to a policy loan, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. Our processing may take 24 hours, at most, if you will have the check picked up at any Insular Life Office near you. If you prefer a bank transfer for the transaction, this may take 4 days as we have to wait for the bank clearing. However, if you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by: a. Policyowner b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. c. Assignee, if the policy is assigned If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. 6. Duly accomplished Beneficiary Information Update Form If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. **Application for Policy Surrender is only available at any of Insular Life's district offices and may be processed within the day depending on the completion of submitted requirements. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ************ Magandang araw Ms. Gayos, This refers to our phone conversation dated May 25, 2015 regarding your policy. A review of our records shows that your Five (5) Star Life policy is fully paid but ‘overloaned’ on account that the Renewal Loan Interest charge that was due remains outstanding. If you would like to place the policy back to its ‘active’ status, please submit to any Insular Life District Office nearest you the following: • A properly accomplished Application for Reinstatement/Policy Change form; * • Duly signed Specimen Affirmation Form:* • Copy of your govt. issued ID with your picture and signature on it; and • A tentative deposit for reinstatement Php4,618.04 to cover the Renewal Loan Interest Charge and the overdue interest. *Note: the forms are available at any Insular Life Office or can be downloaded from our website ‘www.insularlife.com.ph’ , look under ‘policyholders services, and click on ‘ ‘forms’. Meanwhile, we have endorsed you request for a new policy quotation to the right responding unit for processing. Please expect to be emailed by an Insular Life representative who can address your query in details, as requested. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Lim, This is to acknowledge receipt of your email. As requested, attached is the Transaction Confirmation Notice (TCN) for your insurance policy, under policy number W200112223. Meanwhile, the TCN for policy number W200112221 will become available once the annual premium due dated June 21, 2015 has already been paid. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang Araw Ms. Zenarosa, Thank you for sending this concern. This is to confirm that you are entitled to receive the Survivorship Benefit from your insurance policy number 0002218461 which will be due on April 24, 2015. We have noted that you would like to have this benefit deposited to your personal bank account. We would like to inform you that we have a new guideline and forms to accomplish regarding this transaction and/or any disbursement of policy proceeds in compliance to our government regulation under AMLC (Anti-Money Laundering Council) Resolution No.10-C. In this regard, kindly accomplish the following forms/requirements for us to process your request: • Duly accomplished and signed Request to Deposit to Bank Account Proceeds of Policy Transaction (see attached) • Duly accomplished and signed Beneficiary Information form (see attached) • Duly accomplished and signed Signature Affirmation form (see attached) • Your (1) one valid government issued photo-bearing ID with signature Note: All documents coming and executed from abroad must be duly authenticated by the Philippine Consular Office in the country you are currently residing. For our evaluation purposes, you may initially send us the accomplished forms as a scanned copy in reply to this email before proceeding to the consulate for document authentication. Through this process, we can avoid errors on the forms to be submitted. The documents, once authenticated, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 We hope you find everything in order. Should you have other concerns, please feel free to let us know. Maraming salamat. ____________ Magandang araw Ms. Fernando, This refers to you email dated June 10, 2015. Our records show that you are scheduled to receive the Pension Benefits or Survivorship Benefit (SB) of your I-Fund policy under policy number A001893128 on July 12, 2015. For you to claim the benefit, you may either request for a bank transfer or personally transact over the counter through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Note: All documents coming and executed from abroad must be duly authenticated by the Philippine Consular Office in the country you are currently residing. For our evaluation purposes, you may initially send us the accomplished forms as a scanned copy in reply to this email before proceeding to the consulate for document authentication. Through this process, we can avoid errors on the forms to be submitted. The documents, once authenticated, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* 6) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1. Duly accomplished and signed Customer Information Update form* 2. Duly signed Signature Affirmation form* 3. Your one (1) valid photo-bearing government issued ID with signature 4. Duly accomplished and signed Beneficiary Information Form* Since you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. Since you are abroad, the document must be authenticated by the Philippine Consular Office in the country where you, the Policy Owner or the Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available at any Insular Life office nationwide and are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******************************** Magandang araw pong muli Ms. Franco, This refers to your email dated June 11, 2015. Verification with our records show that the Premium Notice for PN A001152295 has already been endorsed to our courier for delivery last May 31, 2015. It is currently in transit and will be delivered to your preferred mailing address at 4 F CAMERINO STREET PROJECT 4 QUEZON CITY METRO MANILA 1109. Meanwhile, you may print the attached Premium Notice in our email dated June 2, 2015 for your immediate reference. We shall also follow this up with our courier regarding the status of its delivery. In the meantime, we ask you to please bear with us. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Mr. Bongga, This is to acknowledge receipt of your email. For us to process your request for change of beneficiary, below are the needed requirements for the transaction: 1. Duly signed Request for Policy Change Form* 2. Specimen Affirmation Form* 3. Duly signed Beneficiary Information Form * 4. Duly signed Customer Information Update form * 5. Original Policy Contract 6.  One government issued ID of the following: a. Insured/Owner   c. and Irrevocable Beneficiaries, if any *forms are available at any Insular Life office or may be downloaded at the Policyholder Services menu of your Customer Portal account. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 7. Duly notarized Special Power of Attorney 8. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, can be submitted personally at any Insular Life office near you or through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang araw Ms. Barnachea, This refers to your email dated June 16, 2015 and we had noted that you would like to change the maturity date of your policy from December 19, 2081 to year 2040. First of all, allow us to explain the basic features of the policy you had purchased. A review of our records show that you are insured under the Wealth Secure plan for PhP50,000.00 which was issued on December 19, 2014 with a policy number W100167687. This plan is combination of an insurance and investment plan. As an insurance plan, it provides insurance protection from its issue date up to age 99 of the insured. This would also determine the maturity date of the insurance policy. Since your policy was issued when you were 32 years old on December 2014, below is how the maturity date was computed: 99 – 32 = 67 The computed value, as 67, will be added to the issue year of the policy which is 2014: 2014 + 67 = 2081 Hence, the maturity date of the policy will be on December 19, 2081. Please note that the maturity date can no longer be changed due to the plan structure and the insurance protection it provides. Meanwhile, this plan has an investment vehicle which allows you to invest in different fund types, namely; Equity Fund, Balance Fund, Fixed Income Fund, Growth Fund and Select Equities Fund. Depending on the unit prices in our stock market, you may timely take advantage as to where you would like to invest the premiums you are paying based on the performances of the aforementioned fund types. Hence, at times, it may provide you high investment returns or low investment returns.  And to view the historical unit prices of the applicable fund types in your policy within your i-EAGLE Customer Portal account, simply follow the steps below: 1. Go to Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. On the other hand, allow us also to differentiate the revocable and irrevocable beneficiary per your request. The Revocable and Irrevocable beneficiary is a designation of an individual who is selected by the owner/insured of the policy to receive the claim benefits in case of untimely demise. For claims of a Revocable beneficiary, the benefit payable to him is subject to estate tax and you no longer need to obtain his written consent before you can exercise your rights on your insurance policy. For the Irrevocable beneficiary, they have vested rights on the policy since the claim benefit payable is not subject to estate tax. However, before you exercise your rights on the policy, you will need his written consent. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Mr. Nukui, This refers to you email dated June 18, 2015. First of all, thank you for responding to our email. For you to claim the benefit, you may either request for a bank transfer or personally transact over the counter through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Note: All documents coming and executed from abroad must be duly authenticated by the Philippine Consular Office in the country you are currently residing. For our evaluation purposes, you may initially send us the accomplished forms as a scanned copy in reply to this email before proceeding to the consulate for document authentication. Through this process, we can avoid errors on the forms to be submitted. The documents, once authenticated, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* 6) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 5. Duly accomplished and signed Customer Information Update form* 6. Duly signed Signature Affirmation form* 7. Your one (1) valid photo-bearing government issued ID with signature 8. Duly accomplished and signed Beneficiary Information Form* Since you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 3. Duly notarized Special Power of Attorney 3.1. Since you are abroad, the document must be authenticated by the Philippine Consular Office in the country where you, the Policy Owner or the Irrevocable Beneficiary(ies) is/are residing. 4. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available for download from the policyholders services menu of your Customer Portal account Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Ms. Cayetano, This refers to your email dated June 20, 2015. Our records show that the accumulated dividends of your 20 Year Endowment plan under policy number A001173248 is now amounting to PhP66,406.22. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Incidentally, you will be pleased to know of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. While you may fully or partially withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%. As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. We hope we are able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Palmejar, This refers to your email dated June 21, 2015. Wealth Assure is a peso-denominated investment linked insurance plan that provides insurance protection and makes available funds you can use for whatever purpose you may have. Basically, your plan is a combined investment and protection where your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment funds of your choice. One of the best advantages of this type of plan is that you are able to invest through a regular-premium. Hence, you don’t have to invest a large sum at the start of the plan. In this regard, the amount usually charged for all new policies which covers all expenses associated with issuance of your policy was also distributed into 60%, 45%, 25%, 10% and 10% of the regular premium in the first, second, third, fourth and fifth policy year, respectively for your convenience. Please be assured that 100% of your premiums will be allocated to the fund on the sixth (6th) year of your policy. Further, please also be informed that through investment, you can gain more returns than putting your money in the bank. The fund allocation can definitely become higher versus the insurance charges the longer you keep the policy. The basic insurance coverage, in the event of untimely demise, is guaranteed and mainly a multiple of the annual premium. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Borres, This is to acknowledge receipt of your email. We have noted that you wish to withdraw the accumulated dividends of your two policies. You will be pleased to know of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. Please note that this facility only qualifies regular policies with no irrevocable beneficiary/ies. If your policy has an irrevocable beneficiary, kindly accomplish and submit to us the following: 1. Duly accomplished "Dividend Withdrawal" form signed by: a. Policyowner b. Irrevocable beneficiary 2. Duly signed Specimen Affirmation Form* 3. Duly accomplished and signed Customer Information Update form* 4. Duly accomplished and signed Beneficiary Information Form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. 6. Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Note: All documents coming and executed from abroad must be duly authenticated by the Philippine Consular Office in the country you or your irrevocable beneficiary, if any, are currently residing. For our evaluation purposes, you may initially send us the accomplished forms as a scanned copy in reply to this email before proceeding to the consulate for document authentication. Through this process, we can avoid errors on the forms to be submitted. The documents, once authenticated, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 *Forms can be downloaded at the policyholders services menu of your Customer portal account. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******* Magandang araw Mr. Borres, This refers to your email dated June 23, 2015. Kindly see below answers relative to your concerns. I. I am now residing in Calgary, Canada. In the customer information update form, Is it acceptable that I will put my Canada home address under the permanent address and my cousin home address under the residence address?? I want that all my mails from Insular Life will be sent to my cousin's home address but if you will send it to my Canada home address it would be better and I really appreciate it much. You will be pleased to know that you may use your Canadian home address as your preferred mailing address. Should you wish to have updates on your preferred mailing address and personal information within the i-EAGLE Customer Portal at your own convenience, you may follow the steps below: 1. Choose Policyholders Services menu. 2. At the bottom part of the page, click Update Personal Information. 3. When you’re done with your updates, you may then click Send Update Request. Incidentally, you may also opt to support our Go Green campaign by choosing to receive future premium notices through your i-EAGLE mailbox. Please be informed that this action ceases the sending of premium notices to your mailing address. II. I will use my Canadian passport as one of my identification documents, is it acceptable? Yes, you may use your Canadian passport as one of your identification documents. Simply provide us a scanned copy of the ID for our reference and documentation. III. In request to deposit to bank account form, Is it acceptable that I will put my Calgary, Canada home address & my canada phone numbers for my contact details?? You may also use your Canadian address and phone number in the Request to Deposit to Bank Account Form as long as it is currently active. We hope we were able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Mr. Canoy This is to acknowledge receipt of your email. Our records show that your policy has accumulated dividends of PhP3,369.58 which may be used as partial payment to your annual premium of Php5,955.00 due dated June 7, 2015. Please note that the amount will be applied to your premium once we receive the remaining payment of PhP2,585.42 from you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. As of the current date your I-Assure plan under policy number A002016039 is no longer in an 'active' status. Records shows that the policy had been paid for five (5) years before it had lapsed on September 30, 2004 when we did not receive the semi-annual premium of Php3,702.50 due on the same date within the 31- day grace period. To enable us to place the policy back in “active status” right away, we will need you to submit the following requirements on or before June 26, 2015 ; 1. An Application for Reinstatement/Policy Change form (see attached) properly accomplished including the non-medical questionnaire at the back of the form; 2. Full Medical Examination & Micro-Urinalysis (medical/laboratory fee should be charged to Insured/owner/payor) 3. Tentative deposit for reinstatement of Php 44,418.70 to cover the quarterly premiums due from 03/03/2014 to 06/03/2015 including 12/2013 & 12/2014 Old Loan Interest and other charges. 4. Customer Information Update form (see attached) 5. Beneficiary Information update form (see attached). To enable us to place your policy in ‘active status’ right away, please send to an Insular Life District Office  the  following requirements on or before March 27, 2014: Properly accomplished Application for Reinstatement/Policy Change form*.  Please see any of our nearest office for the form; Signature Affirmation form*;  Customer Information Update * a photocopy of your latest government issued ID;  and A  remittance of P 2,047.68 to cover the February 01, 2014 and March 01, 2014 monthly premiums ,   Overdue Interest charges.  .        *Note: Forms are available at any Insular Life  District Office or in our website ‘www.insularlife.com.ph’. Here is a breakdown of the charges: Total Premium Php 37,170.00 Total Overdue Interest on Premium Php 2,560.60 Total Old Loan Interest 4,237.30 Total Overdue Interest on Old loan Interest 450.80 Tentative Deposit Php 44,418.70 Note: Documents accomplished and coming from abroad should be authenticated by Phil Consular Office in the country where the Insured/Owner is currently residing . The completed and authenticated documents can be sent to: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 We hope to receive the above documents soon. Should there be any concern or inquiries about the above, please feel free to let us know. Maraming salamat. *************** Magandang araw pong muli Ms. Bulan, This refers to your email dated July 2, 2015. Our records show that you are insured under the I-Sure 10 plan with policy number A002250909 issued on December 20, 2012 with a Sum Insured of PhP300,000.00.  As an update, the policy is in active status and has already been paid for two (2) years with no outstanding loan and with accumulated dividends of PhP1.00. It also provides the following benefits:    Premiums are payable up to the policy's tenth (10th) year and provides insurance protection until age 99 Death Benefit  equivalent to the Sum Insured, less any outstanding loan,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the Sum Insured, less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Anticipated Endowments equivalent to 8% of the face amount will be given starting at the end of the 6th policy year and every two years thereafter. Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. We hope we are able to address all your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************* Magandang araw Mr. Guevara, This is to acknowledge receipt of your email. Allow us to enlighten you on this matter. The Other Charges indicated in your Statement of Account is the Acquisition and Administration Charges. It is defined as the amount of charges used to cover all expenses associated with selling and issuing the policy. These charges are 85%, 51%, and 36% of the regular premium in the first, second, and third policy year, respectively. These charges are billed according to your chosen mode of premium payment. We hope we were able to provide you with the information you need. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Magandang araw Ms. Ermino, This is to acknowledge receipt of your email. Please be informed that the Transaction Confirmation Notice emails being sent through i-EAGLE Customer Portal are in a more protected environment which cannot be hacked unlike other email accounts. The i-EAGLE online facility can be used to directly communicate with us and avail of confidential information regarding your insurance policies in a secured website environment. Through your customer portal account, we can prevent fraud and irregular access to confidential information by individuals other than the owner of the policy, as our goal to establish a guaranteed secured transaction for our customers. Magandang araw Mr. Verueco, This refers to your email dated July 2, 2015. You will be pleased to know that the ADA debiting date of your policy has been changed from the 1st to the 26th of the month, as requested. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ______________ Magandang araw Ms. Paler, This refers to your email dated July 9, 2015. Our records show that you have already submitted a request for change of name due to dissolution of marriage. However, the documents that you have submitted must be authenticated by the Philippine Consular Office where you and/or Irrevocable Beneficiary(ies) is/are currently residing. The completed and authenticated documents can be sent to: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Should you have any other concerns, please feel free to discuss it at your convenience, in real time through our i-CHAT. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Panoy, This refers to your email dated July 9, 2015. We do understand the coordination being made by your agent regarding her intention to settle the amount of PhP100,000.00 that was not remitted to our company in favor of your insurance policy. In this regard, we have left the decision to our legal staff regarding the appropriate action relative to the investigation of this incident. Meanwhile, we have noted that you wish to withdraw your Wealth Assure policy due to the charges indicated in your Statement of Account. Allow us first to provide clarity on this matter. Our Wealth Assure plan is a peso-denominated investment linked insurance plan that provides insurance protection and makes available funds you can use for whatever purpose you may have. Basically, your plan is a combined investment and protection where your premiums provide not only life insurance coverage, but part of the premiums will also be invested in specific investment opportunities of your choice. Hence, the premiums that you paid have been mainly used for your insurance protection. Considering that, in case of untimely demise, within the covered period, death benefit of PhP2,000,000.00 will be given to your beneficiaries. One of the best advantages of this type of plan is that you are able to invest through a regular-premium. Hence, you don’t have to invest a very large sum at the onset of the plan. In this regard, the amount usually charged for all new policies, the Other Charges, which covers all expenses associated with issuance of your policy was also distributed into 60%, 45%, 25%, 10% and 10% again of the regular premiums in the first, second, third, fourth and fifth policy year, respectively for your convenience. Please be assured that 100% of your premiums will be allocated to the fund from the sixth (6th) year of your policy and onwards. Likewise, the Insurance Charges is defined as the amount of charges used to cover our payment for the Sum Insured in the event of untimely demise or if the policy becomes a claim. It is based on the attained age of the insured and is charged on a monthly basis from the Fund Values of your policy. These charges also reflect on the quarterly Statement of Account being issued to you. The basic insurance coverage, in the event of untimely demise, is guaranteed and mainly a multiple of the annual premium. Given that the monthly cost of Insurance Charges are deducted from the Fund Values while the Fund Values were not replenished due to the non-remittance of your payment for premium due dated February 13, 2015, the remaining Fund Values of your policy as of July 10, 2015 is PhP41,011.87. If you feel that you no longer need the protection and benefits that this policy provides and wish to withdraw the fund values of your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. Should you wish to pursue this transaction, you will need to submit the following at an Insular Life District Office: 1.Policy contract; 2. Duly accomplished Wealth Series Application for Fund Withdrawal form* 3. Duly signed Signature Affirmation Form*; and 4. One Valid photo bearing govt. issued ID with signature. *Note: Forms are available at any Insular Life District Office and in our website 'www.insularlife.com.ph'. If Policy Owner is abroad, all forms to be submitted must be duly authenticated by the Philippine Consular Office in the country where Policy Owner is currently residing. Should there be any inquiries or concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. Very truly yours, *********** Magandang Araw Ms. Fernando, This refers to your email dated July 11, 2015. We understand the concerns you raised in claiming the Cash Allowances on your insurance policy. It might interest you to know that you now have an option to have the policy proceeds directly deposited to your nominated bank account and this transaction also is valid for three years (based on the validity selected). But please note the Fund Transfer transaction is subject to bank charges. For us to process your request and since you are out of the country, you will still need to have the following documents duly authenticated by the Philippine Consular Office as the standard procedure. Simply accomplish and submit the following: • Duly accomplished and signed Request to Deposit to Bank Account Proceeds of Policy Transaction form* (on item number 2, you may select your preferred validity) • Duly accomplished and signed Signature Affirmation form* • Duly accomplished Beneficiary Information Form* • One (1) valid government issued photo-bearing ID with signature *Forms are attached The aforementioned requirements can be submitted at any Insular Life offices or mail it to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 For our evaluation purposes, you may send us scanned copies of the forms in reply to this message before having it authenticated by the consular office. This way, we can eliminate any errors. We hope you find everything in order. Should you have other concerns, please feel free to let us know. Maraming salamat. ********** Magandang araw Ms. Chavez, First of all, we would like to apologize for our delayed response on your email. We tried to call you using your given contact numbers but we were not able to reach you. Nevertheless, thank you for the information you have provided as we were able to update your personal data. Our records show that the Survivorship Benefit (SB) for your Life Anticipated Mutual Plan (LAMP) under policy number A001932795 is indeed due last May 29, 2015. As you are aware of, the remaining loan balance of PhP20,285.90 was already settled by the SB of your insurance policy during its anniversary date last May 29, 2015 as follows: Benefit Payout for 2015 Sum Insured x  8% = Benefit Payout PhP150,000.00 x 15% = PhP22,500.00 Automatic Application of Survivorship Benefit as Loan Payment Benefit Payout – Loan Balance = Remaining SB PhP22,500.00 – PhP20,285.90 = PhP2,214.10 For you to claim the remaining SB, you may either request for a bank transfer or transact through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Duly accomplished and signed Customer Information Update form* 3. Duly accomplished and signed Beneficiary Information Form* 4. Duly signed Signature Affirmation form* 5. Your one (1) valid photo-bearing government issued ID with signature 6. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. Meanwhile, the first Anticipated Endowment (AE) for your I-Sure 10 plan under policy number A002212308 will be given starting at the end of the 6th policy year on November 30, 2016. Likewise, below is the updated status of your insurance policies as of July 14, 2015. Policy Number A001932795 A002212308 Premium Amount PhP2,059.50 PhP8,859.00 Next Premium Due Date August 29, 2015 August 30, 2015 Policy Status Active-Premium Paying Active-Premium Paying Outstanding Loan PhP0.00 PhP14,397.15 Accumulated Dividends PhP1,154.73 PhP2.06 You may also view the information of all your insurance policies within the i-EAGLE Customer Portal, by following the steps below: 1. Login to i-EAGLE Customer Portal (go to www.insularlife.com.ph) 2. Click Policyholders Services menu and choose Policy Information. 3. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, we encourage you to optimize the use of your i-EAGLE Customer Portal account. With your i-EAGLE Customer Portal, you may be able to enjoy the following benefits: For Regular and Direct Marketing Plans: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. Other features: • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ************* Magandang araw Ms. Villafania, This is to acknowledge receipt of your email. Our records show that your latest payment for policy number ZA0AA22813 has not yet been posted in our system. Based on our experience, payments are being posted to the policy after two (2) to three (3) business days from the date of payment due to bank clearing. Rest assured that we shall provide you immediate feedback once your payment has been applied to your premium. In the meantime, please bear with us. Meanwhile, we have also noted from our record that the Official Receipt (OR) for your May and June 2015 payments were already delivered at 045 CRYSTAL TWIN RIVER SUBDIVISION II PARANG MARIKINA CITY 1809 and has been inserted by the courier at the mailbox of a white gate. Kindly confirm if the delivery address and description is correct. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ****************** Magandang araw Mr. Brandares, This refers to your email dated July 16, 2015. Our records show that indeed your latest semi-annual premium for PN0005500588 and PN0005500589 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘IL0005500588’. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Mangalindan, This refers to your email dated July 22, 2015 requesting for a copy of your policy contract. Hence, below are the needed requirements for the issuance of a duplicate policy contract: 1. Duly Notarized Lost Policy Affidavit and Agreement Form* 2. One (1) valid photo-bearing government issued ID with signature of the applicant-owner; 3. Duly accomplished Customer Information Update form* 4. Duly accomplished Beneficiary Information Form* 5. Duly signed Specimen Signature Form* 6. Php 300.00 re-issuance fee *Forms are available at any Insular Life offices or may be downloaded at our website www.insularlife.com.ph. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in her behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney* 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************** Magandang araw Ms. Franciso, This refers to your email dated July 23, 2015. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the I-Excel (10 pay) plan with policy number A002043819 issued on June 25, 2009 with a Sum Insured of Ph500,000.00.  As an update, the policy is in active status and has already been paid for seven (7) years with no outstanding loan and with accumulated dividends of PhP6,042.30. It also provides the following benefits:    Premiums are payable up to ten (10) years only and provides insurance protection until the child insured reaches age 20 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Annual Dividends may be declared each year. Other cash benefits are summarized in the attached file* For you to view the information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. We hope that the above information will allow you to view your insurance policies and optimize your i-EAGLE Customer Portal account. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ************** Magandang araw Ms. Austria, This refers to your email dated September 16, 2014. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0007345120 issued on February 1, 2000 with a Sum Insured of PhP 345,175.00.  As an update, the policy is in active status and has already been paid for fifteen (15) years with no outstanding loan and with accumulated dividends of PhP 15,627.03. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of September 17, 2014, the Cash Surrender Value (CSV) of your policy is PhP 70,855.03. To surrender your insurance policies, below are the needed requirements: 6. Original Policy contract 7. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  8. Duly signed Signature Affirmation Form* 9. Duly accomplished and signed Customer Information Update form* 10. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. Since you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 5. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 6. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. De Jesus, First of all, we would like to apologize for our delayed response on your email. Verification with our records show that the original owner-payor of your Life Anticipated Mutual Plan under policy number 0002250316 is indeed Ms. Remedios De Jesus. However as stipulated in the policy provisions attached in your policy contract, all the rights on the policy shall belong to the insured if in case the owner passed away before the insured. Hence, the ownership of the policy has been automatically transferred to you. Meanwhile, due to the death of the payor, Remedios R. De Jesus on September 1, 2003, the annual premiums due from July 24, 2004 up to and including July 24, 2010 are waived, as they fall due in accordance with the provisions of the Payor’s Rider attached to the policy. Thereafter, premium payment shall resume beginning with annual premium due July 24, 2011. Please check the endorsement attached to your policy contract, given to Mr. Eduardo F. De Jesus dated October 22, 2003, for reference. However, the annual premiums due from July 24, 2011 up to July 24, 2014 were left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. As an update, your policy is still active with accumulated dividends of PhP547.00 and with an outstanding loan of PhP20,469.44. Your latest annual premium of PhP5,047.00 was due dated July 24, 2015. Please be informed that you may settle your outstanding loan either in full with a payoff amount of PhP18,456.61 (as of July 30, 2015) or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘IL0002250316’. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************** Magandang araw pong muli Ms. Dorado, This refers to your email dated August 2, 2015. To illustrate how the available units of your Equity Fund is computed , you would   need to get the current unit price of the fund that you would want to compute, then divide that amount from the fund values of that fund that you have. For the Equity Fund as of June 30, 2015 the unit price of the fund is Php4.706469 per unit and the Fund Values as of the same date is PhP6,153.51.  To determine the available units : (Fund Values) / (unit price as of June 30, 2015) = (available units) PhP6,153.510790 /  Php4.706469 = 1,307.458052 (rounded off) Likewise, the total Fund Values of your policy is also computed as follows: (Available units) x (current unit price) = Fund Values 1,307.458052 x Php4.706469(unit price as of June 30, 2015) = PhP6,153.51 (rounded off) Please note that the unit prices changes from day to day and on certain days the prices would be low or it may be high.  Therefore on the days when the unit prices are high, the amount of the Fund Values would increase from that of your initial investment.  Consequently, when the unit prices are low, the fund values would be lower than that of your initial investment. To view the performance of your Equity fund within your i-EAGLE portal, simply go to Policyholders Services menu and click Policy Information. Then your desired policy number (on the left side) to view its details.  Scroll down to page to view the record of the unit prices of your funds, then use the formula above to compute the Fund Values based on your selected fund type. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ______________________ Magandang araw Ms. Panoy, Thank you for allowing us to discuss with you over-the-phone last August 5, 2015 your concern on your unremitted premium payment made to agent Anne Tangeriene Blanco in December 2014 intended for   your Wealth Assure policy no. W200139036. Your concern is about the following: Your payment of PhP100,000.00 for  your annual premium due February 13, 2015 made in December 2014 to your agent Anne Tangerine Blanco was not remitted to Insular Life.  No Official Receipt neither an Agent’s Provisional Receipt (APR) was given to you.  Instead, she gave you an acknowledgement receipt dated December 18, 2014 with her signature. We have endorsed your concern to our Complaints and Investigation Staff for investigation and appropriate action.  However, we were advised that you do not want to pursue anymore the investigation as your agent made amicable settlement already with you. As we have discussed with you, it is important that we conduct an investigation with regard to your allegation to your agent in order for us to come up with appropriate action pertaining to such agent and properly allocate your unremitted payment on your policy. Should you re-consider your decision to pursue your case against your agent, please send to us the following: Original Copy of the acknowledgement receipt given to you by Ms. Anne Blanco Your bank’s  Statement of Account (SOA) or any bank document indicating the details about the crediting of the amount for the premium on your policy which you claimed  was returned by your agent thru bank transfer. Duly signed letter from Ms. Blanco indicating that she received your  payment of Php100,000  for your annual premium  on Policy No. W200139036 but failed to remit to Insular Life. Updated contact number of Ms. Blanco where you made the latest conversation with her regarding the return of the unremitted amount. You may submit the above-mentioned requirements at any of our field office nearest your area or send directly to Mr. Jesse Paolo B. Bulos, Complaints and Investigation Staff at The Insular Life Assurance Co., 8/F, Insular Life Corporate Centre, Filinvest Corporate City, Alabang, Muntinlupa City 1781. As an update, your policy is in force with the latest annual premium of Php100,000 due February 13, 2015.  Should you have any other concerns about your policy, please feel free to let us know. For concerns regarding the investigation of your case, you may send an email to Mr. Jesse Paolo B. Bulos at [email protected] with telephone number (+632) 582-1818 local 2425. Very truly yours, ********************** Magandang araw Ms. Borromeo, This is in reply to you email dated August 6, 2015 regarding updates on your credit card. Should you wish to change the credit card being used for your premium payment, below are the needed requirements: 1.) Authorization Form for ACO* 2.) Duly Accomplished Customer Information Update Form* 3.) Beneficiary Information Form* 4.) Photocopy or scanned copy of the front face of your credit card 5.) 1 government-issued ID with photo and signature (scanned copy will do) *Forms are attached Please do understand our standard procedure as we want to ensure that such request is being made by the right owner for the right insurance policy. We would greatly appreciate if you could give us the needed requirements above for us to process your request. You can send it through fax at 771-1940 or a scanned copy as an attachment to this email We hope to hear from you soon. Should you have any other inquiries, please feel free it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw pong muli Ms. Dorado, This refers to your email dated August 12, 2015. To illustrate how the available units of your Equity Fund is computed , you would   need to get the current unit price of the fund that you would want to compute, then divide that amount from the fund values of that fund that you have. For the Equity Fund as of June 30, 2015 the unit price of the fund is Php4.706469 per unit and the Fund Values as of the same date is PhP6,153.51.  To determine the available units : (Fund Values) / (unit price as of June 30, 2015) = (available units) PhP6,153.510790 /  Php4.706469 = 1,307.458052 (rounded off) Likewise, the total Fund Values of your policy is also computed as follows: (Available units) x (current unit price) = Fund Values 1,307.458052 x Php4.706469(unit price as of June 30, 2015) = PhP6,153.51 (rounded off) ****************** Magandang araw Mr. Carmona, This refers to your email dated August 26, 2015. Please be informed that you may pay your premiums using any Mastercard or VISA credit cards. You will also be pleased to know that you are given a grace period of thirty-one (31) days from due date within which you can pay your premium. If you are unable to pay your premium within the grace period, the Automatic Premium Payment (APP) provision shall be effected on your policy. The APP provides that in case no payment of premium is paid within the grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Incidentally, you may also pay your premiums using any Mastercard or VISA credit cards through our new on-line payment facilities. For one-time payment of premiums, you may use our e-BAYAD payment facility, and for automatic charging of future premiums, you may enroll in our Automatic Charging Option (ACO). To pay through e-BAYAD within the i-EAGLE Customer Portal, please follow these steps: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link. 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. Should he wish to enroll credit card through ACO, please follow these steps: 1. Click ACO menu 2. Read the ACO Terms and Conditions and select agree button to continue 3. Answer the security questions 4. Enroll your VISA/MASTERCARD credit card/s 5. Click Submit button 6. Select your policies that you want to enroll and the corresponding enrolled credit cards where you want your premiums to be automatically charged. 7. When done, click on Submit button to confirm assignment of policies to credit card 8. Wait for the enrollment confirmation via SMS, Customer Portal Mailbox, and Personal email address Likewise, below are the needed requirements for the transaction: • Authorization Form for ACO (signed by Policy owner and Credit Card Holder)* • Duly Accomplished Customer Information Update Form* • Photocopy or scanned copy of the front face of your credit card • 1 government-issued ID with photo and signature of the policy owner and the Credit Card holder (scanned copy will do) *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. We hope you’ll be able to find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************** Magandang araw Ms. Arienzano, This refers to your email dated August 26, 2015. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the I-Sure 10 plan with policy number A002263581 issued on July 30, 2014 with a Sum Insured of PhP 500,000.00.  As an update, the policy is in active status and has already been paid for one (1) year with no outstanding loan and with no accumulated dividends. It also provides the following benefits:    Premiums are payable up to the policy's tenth (10th) year and provides insurance protection until age 99 Death Benefit  equivalent to the Sum Insured, less any outstanding loan,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the Sum Insured, less any outstanding loan,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Anticipated Endowments equivalent to 8% of the face amount will be given starting at the end of the 6th policy year and every two years thereafter. Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that your policy provides you and wish to surrender it, we would like you to know that the transaction will permanently terminate your policy. This means that if you want coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; or 2) you will no longer be insurable for health reasons. In this regard, we would like to encourage you to keep your insurance policy for the financial benefit and protection of your family and loved ones in case of untimely demise. However, should you consider to pursue surrendering the policy as of the current date, please note that the I-Sure 10 plan has only been paid for one (1) year and has not yet earned its Cash Values and would not provide any proceeds. Meanwhile, our records show that your next annual premium is due dated July 30, 2015. Please note that if we do not receive a premium payment within the 31-day grace period, the policy will automatically lapse. Nonetheless, you can have the policy reinstated within three (3)  years from the date of lapsation. Further, all our branch offices, except for our Insular Life Alabang home office, are open on Saturdays from 8:00 am to 12:00 pm for payment receipt and submission of transaction requirements. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw pong muli Ms. Arienzano, This refers to your email dated August 28, 2015. Please note that you should first update the values of your policy before you proceed with the payment. For you to view your updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Once your policy values has been updated, you may now proceed with the e-BAYAD payment. In case you have an account with The Bank of the Philippine Islands, you can also use their online facility (www.bpiexpressonline.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILA002263581'). You can also send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILA002263581 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. We hope we are able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Mr. Baldevia, This is to acknowledge receipt of your email Verification of our records shows that the documents you have previously submitted are only valid for one year. In this regard, you can choose from the options below for the processing of your request: 1. Authorize Insular Life to deposit your benefit to your personal account by submitting the same set of requirements as you have done before. However, please accomplish the attached “revised” Authorization to Deposit form and Beneficiary Information Update form to make your request valid. 2. If you are expecting to receive several Cash Allowances in the future, you may submit the needed requirements on “one time” basis provided that there will be no future changes in the details of the depository bank account to be used for bank to bank transfer. Simply select your preferred validity on Item number 2 of the attached form. Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Likewise, we would also like to know your current location and the nearest Philippine Consular Office to help us further assess your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Corresponding ***** Magandang araw Mr. Quintela, This refers to your email dated August 31, 2015 regarding the needed requirements for fund withdrawal of your Wealth Secure Plan with policy number W100009819. First of all, we would like to inform you that the value of fund withdrawal will depend on the date of receipt of the following requirements: 1. Original Policy Contract 2. Duly accomplished Wealth Series Application for Fund Withdrawal signed by the following: 2.1. Policy Owner 2.2. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. 2.3. Assignee, if the policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Specimen Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: 6.1. Policyowner 6.2. Irrevocable beneficiary/ies, if any. If negotiated through a third party, require Authorization letter and two (2) valid IDs of representative in addition to the above. And if policyowner/irrevocable beneficiary(ies) is/are abroad, require Special Power of Attorney duly notarized and authenticated by the Philippine Consular Office where policyowner/irrevocable beneficiary(ies) is/are residing. *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. Please note that a minimum of PhP10,000.00 is allowed for a partial withdrawal transaction and the minimum balance after withdrawal must be PhP20,000.00 (total of all fund types). You may submit the above mentioned requirements, upon your visit in the Philippines, to any Insular Life district offices near you. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Ms. Penalosa, This is to acknowledge receipt of your email. Our records show that your payment for policy number ZA0AA2848 has not yet been posted in our system. Based on our experience, payments are being posted to the policy after two (2) to three (3) business days from the date of payment due to bank clearing. We have also endorsed your request to Ms. Ana Ricaborda for evaluation. Rest assured that we shall provide you immediate feedback once your payment has been applied to your premium. In the meantime, please bear with us. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ****** Magandang araw Mr. Baldevia, This is to acknowledge receipt of your email. We have brought up your request to the higher management for evaluation. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have other concerns/inquiries, please feel free to let us know. Maraming salamat po. *********** Magandang araw Ms. Barut, This is to acknowledge receipt of your email. We have noted that you wish to have some changes on your beneficiaries due to marriage and child birth. However, kindly note that we shall have to wait for the NSO certified documents before we process such request. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw pong muli Ms. Flores, We would like to acknowledge receipt of your submitted scanned images. However, the documents you sent are not the Policy Contract. Kindly note that if the policy contract is lost, a duly notarized Lost/Damaged Policy Affidavit with Discharge of Policy Form should be submitted in addition to the other requirements needed for the transaction. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Atty. Batiller, This refers to your email dated September 1, 2015. You will be pleased to know that your request Anticipated Endowment claim under policy number V800097706 has already been processed. The bank transfer of the proceeds has already been initiated last July 31, 2015. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Fombuena, This refers to your request for policy loan. As we have discussed over the phone, you may now apply for loan online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply go to the Policyholders Services menu and click I-Serve. We shall call you on September 9, 2015 at aroung 4:00 – 5:00 pm to assist you with your i-serve loan application. Meanwhile, to ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form (no need for authentication by the Philippine Consular Office) as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time as it will be part of the requirement for all i-Serve transaction. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw Ms. Zenarosa, This is to acknowledge receipt of your email. You will be pleased to know that we have already received your submitted documents. As an update, your request is currently being processed. We shall provide you feedback once the bank transfer of proceeds has been successfully initiated. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Mr. Valenzuela, This refers to your email dated September 3, 2015. To enable us to process your request, kindly accomplish the attached Reply Slip (pages 2 to 4) in our email dated August 6, 2015. Please also take note of the guidelines for transacting with us through an authorized representative. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw pong muli Ms. Flores, We would like to apologize for our delayed feedback on your email. We would like to confirm that all the forms that were provided to you should all be filled out. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw Ms. Leuterio, This is to acknowledge receipt of your email. We do understand that you will have to take a leave for the authentication of the required documents. However, please understand our standard procedure as this is a requirement of the regulating commission. Further, please note that we do consider the location of our policy holders from the Philippine Consular Office. For cases wherein the authentication will not be possible, documents may be notarized by a notary public. The notary public should be registered in a government website for Civil Services, in order to validate the notary public’s license number and its expiration date. However, in your case, we shall prefer to have the documents authenticated since you live nearby the Consular Office. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Delos Reyes, First of all, we would like to apologize for our delayed feedback on your email dated September 3, 2015. Our records show that the amount paid during the reinstatement of your policy only covers the unpaid premiums and old loan interest. Hence, only part of the total outstanding loan was paid. For you to have an overview of what has transpired on your policy, We have endorsed a request for Statements of Premium Payment, Loan and Dividend Transaction to the right responding unit for evaluation and processing. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. **** Magandang araw Ms. Rebalde First of all, we would like to apologize for our delayed feedback on your email dated September 2, 2015. As stated in your policy contract, the premium paying period for the Wealth Secure Plan is from the Policy Effective Date or issue date up to the Policy Administration Date after the insured reaches the age of 99 years. The Five (5) year premium payment period that your agent have mentioned refers to the 'Premium Holiday' stipulated on the Policy Provisions: "After you have paid the regular premium for the first five (5) years of this Policy and this Policy has sufficient units, you may avail of a premium holiday where you will not pay the regular premiums. While on a premium holiday, charges for this Policy and any supplementary contract will be deducted from the units of this Policy unless the units of this Policy are insufficient to pay the insurance charges, whereupon, this Policy shall be terminated immediately on the date the units of this Policy become insufficient to pay for the insurance charges. If the Policy is still inforce, you resume your regular premium payment by paying all the require regular premiums. You have the option of avail of the Premium Holiday and allow for the monthly insurance charges to be paid using the available fund values on the policy. If you were to continue to pay for the semi-annual premium of PhP 63,600.00 when they fall due you will be purchasing additional units of the Growth Fund and Balanced Fund of your policy, thereby increasing the fund value of your policy. Incidentally, the next annual premium of PhP 63,600.00 is due on August 25, 2015, and you have the option pay for the annual premium to increase the units of the Equity Fund, or you may opt to pay the annual premium at a later date and allow the available units on the policy to cover the monthly insurance charges for the time being. Incidentally, we are happy to introduce to you our latest facility in the i-EAGLE Customer Portal – the i-CHAT. This facility will allow us to discuss your insurance needs at your convenience, in real time. You can also optimize the i-CHAT using either your GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. We are available for i-CHAT from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. We hope that we have addressed your concerns. Should there be any concerns or inquiries about your policy, please feel free to let us know through your i-EAGLE customer portal. Maraming salamat. ********** Magandang araw Ms. Mandapat, This refers to our chat conversation last September 4, 2015 As requested, attached is the Certification of Full Payment for your insurance policy, under policy number A002084331. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Ty, This is in reply to you email dated September 9, 2015 regarding updates on your credit card. You may change the credit card being used for your premium payment by simply submitting the following requirements: 1.) Authorization Form for ACO* 2.) Duly Accomplished Customer Information Update Form* 3.) Photocopy or scanned copy of the front face of your credit card 4.) 1 government-issued ID with photo and signature (scanned copy will do) We would greatly appreciate if you could give us the needed requirements above for us to process your request. You can send it through fax at 771-1940 or a scanned copy as an attachment to this email Meanwhile, for immediate payment, you may also pay your premiums using your Mastercard or VISA credit cards through our e-BAYAD payment facility for one-time payment of premiums. To pay through e-BAYAD within the i-EAGLE Customer Portal, please follow these steps: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link. 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. *Forms are available for download from our website. We hope to hear from you soon. Should you have any other inquiries, please feel free it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Mr. Baldevia, This refers to your email dated September 1, 2015 regarding the disbursement of your Cash Allowance under policy number A001473597. You will be pleased to know that the requirement to have the documents authenticated by the Philippine Consular Office has been waived by the higher management. Likewise, you may just send a scanned copy of the documents through your i-EAGLE Mailbox, as done in your previous claim for Cash Allowance. Please note that the proceeds can only be transferred to your bank account once we receive the accomplished new set of forms for claiming insurance benefits through bank transfer as advised in the email sent by Mr. Jongko last August 10, 2015. *Forms are also available for download from our website. Should you have any other inquiries, please feel free it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Mr. Romena, This is to acknowledge receipt of your submitted requirement. You will be pleased to know that your request for policy loan has already been approved. Likewise, the transfer of proceeds to your servicing bank is already being processed. Rest assured that we shall provide you feedback once the bank transfer has already been initiated. Should you have any other inquiries, please feel free it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw pong muli Ms. Rebalde, This is to acknowledge receipt of your email. Our records show that your VUL SOA is already being generated. It is scheduled to be released within this month. In the meantime, please bear with us. Should you have any other concerns, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. Maraming salamat po. ******* Magandang Araw po Ms. Zaraspe, This is to acknowledge receipt of your email. You will be pleased to know that you are given a grace period of thirty-one (31) days from due date within which you can pay your premium. If you are unable to pay your premium within the grace period, the Automatic Premium Payment (APP) provision shall be effected on your policy. The APP provides that in case no payment of premium is paid within the grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Please be informed that premiums are accepted through any of the following payment options: 1. Online Payment through Banks • Bank of the Philippine Islands (BPI) Express Online – visit website at www.bpiexpressonline.com. If you have an account with BPI, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILZA0AA25751) and select merchant name Insular Life Assurance Co. Ltd. • Metrobank Direct – visit www.metrobank.com.ph. If you have an account with Metrobank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILZA0AA25751) and select merchant name Insular Life Assurance Co. Ltd. • UnionBank Philippines – visit www.unionbankph.com. If you have an account with UnionBank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILZA0AA25751) and select merchant name Insular Life Assurance Co. Ltd. 2. Direct Payments / Over-the-counter payments • Bank of the Philippine Islands (BPI) – peso and dollar payments o Peso Account Number : 0011-1420-52 o Dollar Account Number: 1764-0050-54 • BDO – peso payments • Metrobank – peso payments • UnionBank of the Philippines (UBP) – peso and dollar payments Kindly present the billing notice when paying at the bank teller. For direct payment to banks, make sure that the NAME, POLICY NO, and AMOUNT on the Bills Payment Slip and Teller's Validation Slip, match with those printed on the Premium Notice. Any unmatched information may cause delay in the premium allocation. You may also visit any Insular Life District offices and provide the policy number and intention of the payment to the cashier. Our Head Office in Alabang, Muntinlupa is open from 7:00am to 5:00pm, Mondays to Fridays while our branch offices are open from 8:00am to 5:00pm, Mondays to Fridays. After your payment, we would appreciate if you could give us a copy or proof of the said payment for us to reconcile with our records. For the complete list of our premium payment facilities within your i-EAGLE Customer Portal, simply click Policyholders Services menu and choose Premium Payments Facilities. Meanwhile, we would like to inform you that we are currently updating our records specifically on your beneficiary's information. To ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have other concerns/inquiries, feel free to let us know. Maraming salamat po. ********* Magandang araw Mr. De Guzman, Our records show that we received your payment of PhP2,500.00 made dated August 27, 2015. It has been applied to your loan interest as intended. As an update, your policy is still active with an outstanding loan of PhP61,812.68 and accumulated dividends of PhP3,153.74. If you wish to apply the remaining dividends as partial payment to your outstanding loan, simply confirm by replying to this email. Should you have any other concerns, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. Maraming salamat po. ************ Magandang araw Ms. Fombuena, This refers to your request for policy loan through I-Serve. Please be informed that upon verification of your bank account, we were advised that there seem to be a discrepancy in the details that you provided. Hence, kindly provide again the following information: Name of Bank: Branch: Bank Account Type: Bank Account number: Bank Account Names: (please also indicate the person that you mentioned as your authorized representative / ‘or’ during our last phone conversation since this could possibly be the reason for the said discrepancy) Further, as we have discussed over the phone, we are currently updating our records specifically on your beneficiary's information. To ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM ? 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** For you to claim the benefit, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly signed Beneficiary Information Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly signed Beneficiary Information Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 5.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 5.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Anticipated Benefit will be through a crossed check for deposit to your bank account. 7. Duly accomplished and signed Customer Information Update form* 8. Duly signed Beneficiary Information Form* 9. Duly signed Signature Affirmation form* 10. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 7. Duly notarized Special Power of Attorney 7.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 8. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available at any Insular Life office nationwide and are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Ms. Delos Reyes, As we have noted in our previous email, we shall send you the Statements of Premium Payment, Dividend and Loan Transactions for you to have a view of what has transpired in your insurance policy, under policy number A001826283. Meanwhile, we would like to take this opportunity to inform you that we are currently updating our records specifically on your beneficiary's information. To ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang Araw, Please give me an update about my policy no.A001574146. Which is according to my costumer portal will be matured this September 24,2015 and amount coverage now is only php 309,161.73.Can I claim this amount on September 24? Thank you, Magandang araw Ms. Patajo, This refers to your email dated September 17, 2015. Based on our records, your policy was automatically converted to an Extended Term Insurance (ETI) effective April 27, 2010 on account that the available dividends and cash value are insufficient to cover the quarterly premiums and outstanding loan interest.  The ETI makes use of the net cash values and accumulated dividends as a net single premium, to purchase an insurance coverage with an adjusted face value and protection period. This automatic conversion of your policy is in accordance with the policy contract provision which states that “If the available cash value and policy dividend are still insufficient to cover at least a quarterly premium, these amounts shall be applied to purchase a non-participating Extended Term Insurance (ETI)”. As mentioned above, the available cash value of the policy was used as net single premium to purchase the term period of the policy based on the insured’s attained age on the date of the unpaid premium. Please note that the insurance coverage will be only up to the term period. In view of this, the following changes were effected on the policy: • Premium payments are no longer required. • Protection Period shall be  up   to  September 24, 2015 only; • Sum Insured was reduced from PhP 1,800,000.00 to PhP 309,161.73 payable to the beneficiaries in case of death claim during the effectivity period of coverage. • The Maturity Benefit, as well as any Rider benefits and Anticipated Payments are automatically cancelled. • The policy will no longer earn dividends. Regrettably, we can no longer place your policy back to its ‘active’ premium paying status again since the 3 year reinstatement period stipulated in Section 10 of the Policy Provision had expired on April 27, 2013. If you are interested in an insurance policy with a higher coverage that would provide a means of protection for you and your loved ones, you can apply for a new policy. We hope we had clarified matters with you. For further concerns, you may discuss your insurance needs at your convenience, in real time through our i-CHAT. You can optimize the i-CHAT using either your GPRS/ Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming Salamat po. ******************* Magandang araw Ms. De Castro, Thank you for responding to our email. Our records show that the latest quarterly premium of your Wealth Secure plan is indeed due last August 5, 2015. Please note that you can still make the premium payment even if the 31-day grace period has ended and the policy would still be in active status as the available Fund Values are still sufficient to pay the monthly insurance charge of PhP132.00. The Fund Values will be replenished every time you pay your quarterly premium. Meanwhile, we wish we could effect the change of frequency of your premium payment from quarterly to monthly as per your request.  However, we can only change your mode of premium once you have settled your quarterly premium due for August 4, 2015. Likewise, the change can only take effect on the next quarterly premium due on November 4, 2015. We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw pong muli Mr. Ruaro, This is to acknowledge receipt of your email. The annual dividend of your policy is being credited every policy anniversary date at a current rate of 4%. However, we are capable of providing you the tentative accumulated dividends computed on a daily basis. Please note the next full accumulation of your dividends will be on the next policy anniversary dated December 14, 2015. Meanwhile, we have endorsed a request for Statement of Annual Dividends to the right responding unit for evaluation and processing. This will provide you an overview of what has transpired on your policy relative to its dividend accumulation. We hope we are able to address your concern. Should you have any other concerns on your policy, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********* To claim the maturity benefit, you may either request for a bank transfer or transact personally over the counter or through an authorized representative. Below are the following instructions for the mentioned options: A. For bank transfer – direct deposit to bank account (subject to bank charges) 1. Send the following requirements needed for bank transfer through your i-EAGLE mailbox: e. Duly accomplished and signed Authorization to Deposit form (see attached) – if bank account is from a foreign depository bank, submit a Bank Certificate. f. Duly accomplished and signed Customer Information Update form* (see attached) g. Duly signed Signature Affirmation form* (see attached) h. One (1) valid photo-bearing government issued ID with signature Then send the Original documents including the Policy Contract to: Recipient Address Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 You can have the forms submitted as an email attachment through the i-EAGLE Mailbox before the maturity date. B. Transact personally at any Insular Life Offices – release of maturity benefit through crossed check. 5. Submit the Original Policy Contract 6. Duly accomplished and signed Customer Information Update form* 7. Duly signed Signature Affirmation form* 8. Your one (1) valid photo-bearing government issued ID with signature Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 3. Duly notarized Special Power of Attorney* 4. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *see attached *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Meanwhile, the cash values are part of the premiums you pay which is set aside as savings under an insurance policy. As a benefit under an insurance policy, one can apply for a loan against these cash values. We hope that the above information was able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw pong muli Ms. Flores, This is to acknowledge receipt of your email. We would like to assure you that the Maturity Benefit of your policy will not expire and will still be available upon your visit in the Philippines. To claim the Maturity Benefit, please submit the following to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone number (02) 582-1818. 1. Original Policy Contract (if the policy is lost or damaged, you can submit a notarized Lost/Damaged Policy Affidavit with Discharge of Policy* instead); 2. One (1) valid photo-bearing government-issued ID with signature of the Policyowner 3. Customer Information Update form * 4. Beneficiary Information Form* 5. Signature Affirmation Form * 6. FATCA form (including the W9 form)* If you wish to be represented by a different person to transact in your behalf, please require the representative to submit the following in addition to the above mentioned requirements: 5. Duly notarized Special Power of Attorney* 6. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are available for download from our website. **Since you are currently abroad, all forms to be submitted must be duly authenticated by the Philippine Consular Office in the country where you are currently residing. ***If you will be visiting the Philippines, the authentication by the Philippine Consular Office is not needed anymore. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Magandang araw Ms. Raquion, This is to acknowledge receipt of your email. You will be pleased to know that you are given a grace period of thirty-one (31) days from due date within which you can pay your premium. If you are unable to pay your premium within the grace period, the Automatic Premium Payment (APP) provision shall be effected on your policy. The APP provides that in case no payment of premium is paid within the grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. Meanwhile, in case you have an account with The Bank of the Philippine Islands/ Metrobank/ UnionBank, you can use their online facility (www.bpiexpressonline.com/ www.metrobank.com.ph/ www.unionbankph.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILW200184313). For other convenient ways of paying premiums while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILW200184313 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Torregosa, This is to acknowledge receipt of your email. We appreciate your interest in our educational plans. We are glad to inform you of our College Provider Plan. Below are the features and benefits of this plan: • Premium paying period from issue date up to the policy’s 5th year • Insurance protection from issue date up to age 21 • Minor insured: 6 weeks to 11 years old; Owner/Payor: 18 to 55 years old • Maturity Benefit will be given once the child insured reaches age 17 • Death Benefit is given to beneficiaries if the child insured dies before reaching age 21 (will still be given even if the MB has already been given prior to the death) • Yearly Pre-College Cash Allowance = 10% of FA is granted in case of payor's death/disability (will be given immediately once the payor gets totally and permanently disabled/dies and will be granted until the child reaches age 16) Kindly see attached pamphlet for a summary of the premium amount for the specific age that you wish to inquire. For further concerns, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang Araw po Mr. Cribe, Thank you for the information you have provided as we were able to update your personal records. As a standard procedure, we have to authenticate and validate first if the request was made by the right owner of the insurance plan. Please note that the required information are all personal, this is for us to establish the identity of our customer to secure the confidentiality of the policy information and to avoid irregular access by individuals other than owner of the policy. This will also allow us to update your personal information in our records and to address any discrepancy on the information that may arise. Please do understand our standard procedure as our goal to establish a secured transaction for our customers. Meanwhile, verification of our records shows that your policy has an accumulated dividends of PhP2,522.23. Hence, it is insufficient to cover your semi-annual premium of P3,549.00 due dated September 6, 2015. Incidentally, in line with our objective of providing you with a convenient facility to access your policy information on-line, we would like to encourage you to enroll your policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. i-EAGLE Customer Portal is our online facility which you may use to directly communicate with us and avail of information regarding your insurance policies. The following are the features of the facility: 1. VIEW your Policy Owner’s Manual. 2. VIEW and PRINT your Policy Information Details. 3. VIEW and PRINT your latest Billing Notice. 4. PAY your Premiums online using Mastercard or VISA credit card through: 4.1 e-BAYAD – for one-time payment of current premium due. 4.2 Automatic Charging Option (ACO) – for payment of future premiums. 5. APPLY for the following benefits through I-Serve (for Regular plans with no irrevocable beneficiaries). 5.1 Policy loan 5.2 Dividend withdrawal 6. COMMUNICATE with our Customer Care Specialist through: 8.1 i-EAGLE Mail Box – for your email messages (without the need for authentication). 8.2 i-CHAT – for your service concerns requiring real-time feedback. 7. UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. Should you have other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ********** Magandang Araw po Dr. Coloma, This is to acknowledge receipt of your email regarding your intention to pay your premium due of your policy. You may still settle your annual premium for your investment plan due on July 29, 2015 through the following payment options below:. 1. Post-dated checks warehousing 2. Online Banking Bank of the Philippine Islands (BPI) Express Online – visit website at www.bpiexpressonline.com. If  you have an account with BPI, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’  (i.e. ILW100141665) and select merchant name Insular Life Assurance Co. Ltd. Metrobank Direct – visit www.metrobank.com.ph. If  you have an account with Metrobank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’  (i.e. ILW100141665) and select merchant name Insular Life Assurance Co. Ltd. UnionBank Philippines – visit www.unionbankph.com. If  you have an account with UnionBank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’  (i.e. ILW100141665) and select merchant name Insular Life Assurance Co. Ltd. 3. Direct Payments / Over-the-counter payments Bank of the Philippine Islands (BPI) Banco De Oro (BDO)     Metrobank UnionBank of the Philippines (UBP) Kindly present the billing notice when paying at the bank teller. For direct payment to banks, make sure that the NAME, POLICY NO, and AMOUNT on the Bills Payment Slip and Teller's Validation Slip, match with those printed on the Premium Notice.  Any unmatched information may cause delay in the premium allocation. Please note that the unit price prevailing at the time when premiums are proper applied becomes the applicable unit price. After your payment, we would appreciate if you could give us a copy or proof of the said payment. Further, we would like to inform you that we are currently updating our records specifically on your beneficiary's information. To ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form attached in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Meanwhile, we would like to encourage you to make use of our new servicing innovation. You may now access your policy information on-line, through our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. It is only when you have an activated  Customer Portal account will you be able to:  For Investment Plans VIEW your Policy Information Details. VIEW your Fund Values and History of Unit Prices. VIEW and PRINT your latest Billing Notice and Statement of Account. Other features: COMMUNICATE with our Customer Care Specialist through: i-EAGLE Mail Box – for your email messages. i-CHAT – for your service concerns requiring real-time feedback. UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website www.insularlife.com.ph , and register in our Customer Portal option. Should you have any concern, please feel free to send us an email at [email protected] or call our Customer Care Assistants at telephone number (02) 582-1818 local 7700. Maraming salamat po. Very truly yours, *************** Magandang araw Ms. Gervacio, This refers to your email dated September 28, 2015, sent through our public website, requesting for a copy of your policy contract. Below are the needed requirements for the issuance of a duplicate policy contract: 1. Duly Notarized Lost Policy Affidavit and Agreement Form* 2. One (1) valid photo-bearing government issued ID with signature of the applicant-owner; 3. Duly accomplished Customer Information Update form* 4. Duly accomplished Beneficiary Information Form* 5. Duly signed Specimen Signature Form* 6. Php 300.00 re-issuance fee *Forms are available at any Insular Life offices or may be downloaded at our website www.insularlife.com.ph. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in her behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney* 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **************** Magandang araw Ms. Badilles, This is to acknowledge receipt of your email regarding your premium payment and your experience with our i-CHAT facility last September 29, 2015. You will be pleased to know that you are given a thirty-one (31) day grace period from due date within which you can pay your premium. Hence, there will be no charges for your late payment dated September 29, 2015 as you have mentioned. Kindly give us a copy or proof of the said payment for us to reconcile with our records. With regard to your I-CHAT experience, we apologize for the inconvenience this facility may have caused you. We made simulations on different devices and results show that the i-CHAT facility was in operation on the date you mentioned. However, our client log did not show your name in the list of customers who accessed the i-CHAT facility on that date. Our facility has an automatic alert notification to our unit heads if a customer is not attended within fifteen (15) minutes. The scenario that you have indicated may have been caused by an intermittent network connection, internet security issues or network limitations by your internet service provider during the time you tried this facility. We hope we had clarified matters with you. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ************** Magandang araw Ms. Bogador, This refers to you email dated September 29, 2014. First of all, thank you for your response to our email dated July 28, 2015 regarding the Anticipated Payment Benefit of your policy. For you to claim the benefit, you may either request for a bank transfer or transact through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF)* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF)* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Anticipated Payment Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney (see attached) 2. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 3. Duly accomplished and signed Customer Information Update form* 4. Duly accomplished and signed Customer Information Form* 5. Duly signed Signature Affirmation form* 6. Your one (1) valid photo-bearing government issued ID with signature 7. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Gervacio, This refers to you email dated September 29, 2014. First of all, thank you for your response to our email dated August 30, 2015 regarding the Maturity Benefit of your policy. To claim the maturity benefit, you may either request for a bank transfer or transact personally over the counter or through an authorized representative. Below are the following instructions for the mentioned options: A. For bank transfer – direct deposit to bank account (subject to bank charges) a. Send the following requirements needed for bank transfer through your i-EAGLE mailbox: 1. Duly accomplished and signed Authorization to Deposit form (see attached) – if bank account is from a foreign depository bank, submit a Bank Certificate. 2. Duly accomplished and signed Customer Information Update form* (see attached) 3. Duly signed Signature Affirmation form* (see attached) 4. One (1) valid photo-bearing government issued ID with signature Then send the Original documents including the Policy Contract to: Recipient Address Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Please note that the proceeds can only be transferred to your bank account once we receive the original documents. B. Transact personally at any Insular Life Offices – release of maturity benefit through crossed check. 1. Submit the Original Policy Contract 2. Duly accomplished and signed Customer Information Update form* 3. Duly signed Signature Affirmation form* 4. Your one (1) valid photo-bearing government issued ID with signature Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 5. Duly notarized Special Power of Attorney* 6. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *see attached *Forms are also available for download from our website. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *************** Magandang araw Ms. Ungab, This refers to your email dated September 28, 2015. Our records show that your quarterly premium of PhP 2,737.00 due last August 8, 2015 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from your accumulated dividends. Hence, your next quarterly premium will be due dated November 8, 2015. Meanwhile, we also would like to acknowledge the receipt of your payment of PhP3,000.00 dated September 23, 2015 through BPI. The amount will be considered as advanced payment as this will be applied to your next quarterly premium due. In this regard, we would like to suggest that you place your advanced payment to the Premium Deposit Fund (PDF) of your policy. PDF is a payment facility which allows you to deposit future premiums (minimum of PhP500.00 per deposit) and earn interest currently at 4% per annum. If you want to immediately place your advanced payment on for your next quarterly premium, kindly accomplish the attached PDF form. Further, we are currently updating your beneficiary information. We have attached a beneficiary information update form to this e-mail for you to accomplish. Once you have accomplished the forms, you can send it through your Customer Portal mailbox as an email attachment. Moreover, we encourage you to optimize the use of your i-EAGLE Customer Portal account. With your i-EAGLE Customer Portal, you may be able to enjoy the following benefits: For Regular and Direct Marketing Plans: • VIEW your Policy Information Details. • VIEW and PRINT your latest Billing Notice. • PAY your Premiums online using Mastercard or VISA credit card through: o e-BAYAD – for one-time payment of current premium due. o Automatic Charging Option (ACO) – for payment of future premiums. Other features: • COMMUNICATE with our Customer Care Specialist through: o i-EAGLE Mail Box – for your email messages. o i-CHAT – for your service concerns requiring real-time feedback. • UPDATE your Personal Information. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ************ Magandang araw po Ms. Molato, This refers to the i-Eagle Customer Portal online registration made on your father’s policy dated September 28, 2015. Again, please accept our sincere sympathy for the passing of Mr. Ramon Molato. As discussed with you during our phone conversation last September 30, 2015, our records show that the Ordinary Whole Life plan of your father under policy number 0005112854 is currently not in active status. Hence we shall have to disapprove your online registration as the i-EAGLE Customer Portal is only intended for active policies. Meanwhile, to help us to determine  whatever insurance benefit is due,   the following documents  would have to be submitted to an  Insular Life District Office nearest you  : Claimant’s Statement (form enclosed)-   This has to be accomplished by every beneficiary who is eighteen years old or above; Attending Physician’s statement (form enclosed)-This has to be accomplished by physician’s who have attended to the Insured during the last three (3) years prior to his death; Death Certificate  of  any Deceased Beneficiary * ; The Policy  Contract; Your Father’s Birth Certificate*; Birth Certificate of the Beneficiaries*; Marriage Contract * for the legal spouse or married beneficiary *Note: Certified true copy issued by Local Civil Registrar with signature and seal  or printed in security paper issued by the National Statistics Office (NSO). Please note that the company may require for the submission of additional requirements, if necessary.  Also any document issued or executed abroad should bear the authentication of the Philippine Embassy or Consulate in the area. Should you have concerns or inquiries about the above, please feel free to let us know. Maraming Salamat po ************* Magandang araw Mr. Vismonte, This is refers to your email dated ________________. First of all, allow us to explain the basic features of your policy. Our records show that your policy number 0002337452 was issued under the Insular Diamond Jubilee plan for PhP 1,000,000.00 effective September 16, 1995. Basically, this plan provides insurance protection from issue date of the policy up to age 99 and requires premium payments with the same duration. It also provides the following benefits: • Maturity benefit equivalent to the face amount, less any outstanding loan, should you outlive the maturity date of your policy; • Death Benefit equivalent to the face amount, less any outstanding loan, payable to the designated beneficiaries, in case of a claim; • Guaranteed cash values which may be available for loan in case of emergency; • Annual dividends as may be declared based on actual company experience. In the course of sales presentation, our agents normally show illustrations of dividend earnings for a prospective policy. These illustrations are based on the dividend formula and the interest rate on accumulated dividends in effect at the time of sales presentation. However, since future dividends depend on future Company experience and on the prevailing economic conditions, they are not guaranteed. Thus, the shortened premium-paying period is likewise not guaranteed. As of now, you have an accumulated dividends of PhP185,626.71 which can cover some of your annual premiums of PhP 20,170.00. In case you wish to use the dividends to pay for your future premiums, it is possible under the Automatic Payment of Premium (APP) provision. The APP provides that in case no payment of premium is paid with in the allowed grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. If you wish to use the dividends to pay for your future premiums, please note that you will still receive billing notices and billing reminders, through your i-EAGLE Customer Portal Mailbox, since premiums are still payable on your insurance policy. You may disregard such notices if you find your dividends sufficient to pay your premiums. In the event that the accumulated dividends of your policy become insufficient to cover your subsequent premiums, you will need to continue paying your premiums. Hence, we suggest that you regularly monitor your accumulated dividends and dividend earnings. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. Likewise, withdrawal of dividends and application as payment for loan, if any, shall greatly affect its application for premium payments. For you to monitor your accumulated dividends and to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. We hope we had clarified matters with you. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. On the other hand In the meantime, ************ Magandang araw Ms. Sander, Thank you for responding to our email. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0002154602 issued on August 25, 1987 with a Sum Insured of PhP 150,000.00.  As an update, the policy is in active status and has already been paid for twenty eight (28) years with no outstanding loan and with accumulated dividends of PhP17,370.32. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of October 2, 2015 the Cash Surrender Value (CSV) of your policy is PHP68,520.55. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. Since you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 7. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 8. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Meanwhile, in line with our objective of providing you with a convenient facility to access your policy information on-line, we would like to encourage you to enroll your policy in our Insular - Effective Access to Gateway Link Electronic (i-EAGLE) system. i-EAGLE Customer Portal is our online facility which you may use to directly communicate with us and avail of information regarding your insurance policies. The following are the features of the facility: 1. VIEW your Policy Owner’s Manual. 2. VIEW and PRINT your Policy Information Details. 3. VIEW and PRINT your latest Billing Notice. 4. PAY your Premiums online using Mastercard or VISA credit card through: 4.1 e-BAYAD – for one-time payment of current premium due. 4.2 Automatic Charging Option (ACO) – for payment of future premiums. 5. VIEW your Policy Anniversary Transaction History (for Investment plans). 6. VIEW and PRINT your latest Statement of Account (for Investment plans). 7. APPLY for the following benefits through I-Serve (for Regular plans with no irrevocable beneficiaries). 7.1 Policy loan 7.2 Dividend withdrawal 8. COMMUNICATE with our Customer Care Specialist through: 8.1 i-EAGLE Mail Box – for your email messages (without the need for authentication). 8.2 i-CHAT – for your service concerns requiring real-time feedback. 9. UPDATE your Personal Information. To enroll your policy at our i-Eagle Customer Portal, simply visit our website (www.insularlife.com.ph), and register in our Customer Portal option. We hope we were able to address your concern. Should you have other concerns, please feel free to let us know. Maraming salamat. Very truly yours, ********** Magandang Araw Ms. Casalme, This is to acknowledge receipt of your email requesting for a Statement of Premium Payments under policy number A002212446. We have endorsed your request to the right responding unit for evaluation. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have other concerns/inquiries, please feel free to let us know. Maraming salamat po. ******* Magandang araw pong muli Mr. Rurao, This refers to your email date October 2, 2015. Please be informed that the annual dividend that will be credited is 4% of the latest accumulated dividends. Kindly see attached Statement of Dividend Transactions for you to have an overview of what has transpired in your policy. Meanwhile, our records show that your policy has been paid for fifteen (15) years. Basically, your Insular Diamond Jubilee plan provides insurance protection for life and continuous payment of premium up to age 99. Your next quarterly premium will be due dated December 14, 2015. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ********** Magandang Araw po Mr. Biscocho, Ito ay patungkol sa inyong email na ipinadala sa amin. Batay sa aming records, ang accumulated dividends ng inyong policy ay kasalukuyang nagkakahalaga ng PhP5,172.30. Upang makita ang updated values ng inyong policy sa i-EAGLE Customer Portal, mangyari po lamang na sundin ang mga sumusunod na hakbang: 1. Hanapin ang Policyholders Services menu at i-click ang Policy Information. 2. Piliin ang policy number sa gawing kaliwa para makita ang mga detalye nito. 4. Sa Policy Details screen, mag-scroll down hanggang sa ibabang bahagi ng screen at i-click ang “Get Updated Policy Values“ button. Ang mga impormasyon ng inyong policy ay inaasahang maging updated base sa kasalukuyang araw. Para sa mga karagdagang katanungan, mangyari lang po na ipagbigay alam ninyo sa amin gamit ang inyong i-Eagle Customer Portal account sa pamamagitan ng i-Eagle Mailbox o sa i-Chat. Maaari ninyong subukan ang i-CHAT gamit ang inyong GPRS/Wi-Fi enabled mobile phones, laptops, tablets o sa inyong personal computers. Ang pasilidad na ito ay available mula 7:30 AM – 5:00 PM (Philippine time), Lunes hanggang Biyernes maliban sa Sabado, Linggo at Holidays. Maraming salamat po. ************ Magandang araw Mr. Nillos, This refers to your email dated October 5, 2015. For us to process your request for change of date of birth, below are the needed requirements for the transaction: 1. Duly signed Request for Policy Change Form* 2. Signature Affirmation Form*  3. Duly signed Customer Information Update form* 4. Duly signed Beneficiary Information Form* 5. Original Policy Contract 6. NSO certified Birth Certificate 7. 1 Government issued ID of the following:            a. Insured/Owner            b. and Irrevocable Beneficiaries, if any *forms are attached **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 9. Duly notarized Special Power of Attorney* 10. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. You may submit the requirements at any Insular Life office near you. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you finde everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Repayo, This refers to our chat conversation earlier today. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0002206487 issued on October 20, 1989 with a Sum Insured of PhP300,000.00.  As an update, the policy is in active status and has already been paid for twenty six (26) years with no outstanding loan and with accumulated dividends of PhP10,518.98. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any outstanding loan,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of October 7, 2015, the Cash Surrender Value (CSV) of your policy is PhP121,348.02. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. *forms are attached **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 7. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 8. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. We hope you will find everything in order. Should you have any other inquiries, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ****** Magandang araw Mr. Francisco, This refers to your concern regarding your Transaction Confirmation Notice (TCN). We understand that you expect to receive the TCN right after your payment similar to your previous payment transaction. However, your policy is currently under evaluation by the right responding unit based on the concern that you have raised. For now, you may refer to the ADA Acknowledgement Receipt No. AR91025436 sent through your i-EAGLE mailbox last September 21, 2015 for the confirmation of your payment for your monthly premium due dated September 19, 2015. Likewise, the premium notice for your next monthly premium due dated October 19, 2015 was already sent, also through your i-EAGLE mailbox, last October 2, 2015. Kindly check the attached file for your reference. Rest assured that we shall provide you with feedback regarding your TCN concern once we have completed our evaluation. In the meantime we ask you to please bear with us. Maraming salamat po. ******** Magandang araw Ms. Francisco, This refers to your email regarding your Wealth Secure plan under policy number W100149888. Our records show that the annual premium of your policy is indeed due last September 19, 2015. Please note that the policy will lapse if we do not receive a premium payment within the 31-day grace period as the fund values of your policy are insufficient to cover the monthly insurance charges. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Francisco, This refers to your email below. We would like to confirm that we have not sent the TCN last October 2, 2015 as you have mentioned. Please be informed that the evaluation regarding your concern for the TCN has already been completed, you will find attached to this message the notice concerning your payment transaction dated September 21, 2015. Meanwhile, as suggested in our previous email, you may refer to our message dated October 2, 2015 for your latest premium notice. Please note that this does not replace the TCN as it serves as immediate reference for your incoming monthly premium due on October 19, 2015. We hope we had clarified matters with you. Should you have further concerns on your policy, please feel free to let us know through your i-EAGLE Customer Portal and we shall be glad to assist you in any way we can. Maraming salamat po. *** Magandang araw Mr. Cornejo, This is in reply to your email dated April 14, 2013. You may pay your premiums using your Mastercard or VISA credit cards through our new on-line payment facilities. For one-time payment of premiums, you may use our e-BAYAD payment facility, and for automatic charging of future premiums, you may enroll in our Automatic Charging Option (ACO). To pay through e-BAYAD within the i-EAGLE Customer Portal, please follow these steps: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link. 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. Should he wish to enroll credit card through ACO, please follow these steps: 1. Click ACO menu 2. Read the ACO Terms and Conditions and select agree button to continue 3. Answer the security questions 4. Enroll your VISA/MASTERCARD credit card/s 5. Click Submit button 6. Select your policies that you want to enroll and the corresponding enrolled credit cards where you want your premiums to be automatically charged. 7. When done, click on Submit button to confirm assignment of policies to credit card 8. Wait for the enrollment confirmation via SMS, Customer Portal Mailbox, and Personal email address Likewise, below are the needed requirements for the transaction: • Authorization Form for ACO (signed by Policy owner and Credit Card Holder)* • Duly Accomplished Customer Information Update Form* • Photocopy or scanned copy of the front face of your credit card • 1 government-issued ID with photo and signature of the policy owner and the Credit Card holder (scanned copy will do) *see attached We hope you’ll be able to find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. Very truly yours, ****** Magandang araw Ms. Libres, This refers to your email sent through our [email protected] regarding the outstanding loan of your policy. Our records show that your monthly premiums of your policy has been left unpaid since March 1, 2009. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, your policy has incurred a total outstanding loan of PhP33,993.20, as of this date. Meanwhile, we have endorsed a request to the right responding unit for the Statements of Premium Payments and outstanding loan for you to have an overview of what has transpired on your policy. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. **** Magandang araw Mr. Fabros, This is to acknowledge receipt of your email. Our records show that, as of this date, the accumulated dividends of your policy is PhP38,540.89. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. *** Magandang araw Ms. Joven, This is to acknowledge receipt of your email. We wish to inform you that the history of premium payments can be seen by request. Hence, we have endorsed your request to the right responding unit for evaluation. We shall provide you immediate feedback once we have processed your request. In the meantime, please bear with us. Meanwhile, if you wish to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ****** ID: 03/24/2015 Magandang Araw pong muli Mr. Berador, Allow us to provide clarity on this matter. A review of our records show that you are insured under the Wealth Secure plan for PhP2,000,000.00 which was issued on March 24, 205 with a policy number W100170274. This plan is combination of an insurance and investment plan. Hence, it includes a deductable amount called Monthly Insurance Charges. The Insurance Charges is defined as the amount of charges used to cover our payment for the Sum Insured in the event of untimely demise or if the policy becomes a claim. It is based on the attained age of the insured and is charged on a monthly basis from the Fund Values of your policy. These charges also reflect on the quarterly Statement of Account being issued to you. Further, the Fund Values are being replenished every time you pay your quarterly premium due. You will be pleased to know that, as part of the consideration of the company, you will be provided a 14-day extension of the grace period in which you may pay your premium due dated September 24, 2015. Thus, you may still pay until November 7, 2015. Kindly note that since if no payment has been made after the said grace period, the policy shall be placed under lapsed status as the fund values are currently no longer sufficient to cover the insurance charges of your policy. In the event that your policy had lapsed, it may still be reinstated provided that it is still in the three-year reinstatable period from date of lapsation. Meanwhile, we would like to inform you that we are currently updating our records specifically on your beneficiary's information. To ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. We hope we were able to clarify the matter with you. Should you have other concerns or inquiries, please feel free to let us know. Maraming salamat po. ***** Magandang araw Mr. Roque, This is to acknowledge receipt of your email. Our record shows that we received your payment of PhP3,532.00 last October 22, 2015. The amount has been applied to your quarterly premium due dated September 23, 2015 as intended. Hence, your next quarterly premium will be due on December 23, 2015. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ***** Magandang araw Mr. Hernandez, We would like to apologize for our delayed response on your email and thank you for your response as we were able to update your personal information with us. Our records show that indeed, you availed of a policy loan last March 11, 2015. Below is the breakdown: (As of March 11, 2015) Net Loan: PhP 56,936.67 Document Stamp Tax: 130.00 Advance Interest for 176 days:2,933.33 Total Loan: 60,000.00 As stated in the Policy Loan Agreement (PLA) that you signed on the same day, the loan and interest are due on the anniversary date of the policy. It is also stipulated in the provisions of your policy contract that any loan will bear interest payable in advance and shall bear at a current interest rate of 10% per annum every anniversary date of your policy, last September 6, 2015. As you will notice, the advanced interest deducted from your initial loan is only for 176 days. This covers the loan interest from the date of your loan application before the next anniversary date of the policy, September 6, 2015. Hence, the interest that was deducted is less than 10%. Meanwhile, the advance loan interest for the anniversary date of September 6, 2015 has been charged in full 10% since this will cover the whole policy year. However, you will be pleased to know that the advanced interest may be refunded if the outstanding loan has been paid in full before it reach the next anniversary date on September 6, 2016. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount at your convenience to any of our Insular Life office or through wire transfer. We hope we had clarified matters with you. Should you have further concerns on your policy, please feel free to let us know and we shall be glad to assist you in any way we can. ********** Magandang Araw pong muli Ms. Butron, Thank you for your response. Our records show that your College Provider plan under policy number A001845229 has an outstanding loan of PhP PHP189,392.33. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. If you wish to settle your outstanding loan via WIRE TRANSFER, please see details and instructions below: All bank charges for the wire transfer shall be for the account of the policyholder. This should be considered in the remittance. The following must be indicated in the remittance slip: For remittance in PESO Bank Name/Branch : BPI/Alabang-Insular Insular Life Corporate Centre, Insular Drive, Alabang, Muntinlupa Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILA001845229 SWIFT Code : BOPIPHMM For remittance in DOLLAR Bank Name/Branch : Bank of the Philippine Islands / Madrigal Bus. Park Bldg. Acacia cor. Comm. Ave. Ayala, Alabang Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 1764-0050-54 Policy Number : ILA001845229 SWIFT Code : BOPIPHMM After you have remitted your payment, please notify us of your remittance by sending us a copy of the validated wire transfer or telegraphic transfer form via fax (632-771-1920) or email/letter advice to [email protected] indicating the following additional information: Amount wired: Date of transfer: Name of Payee: Policy number: Name and address of your bank: We will use them to follow-up your payment with the local bank. You may also settle your loan online if you have a savings account with any of the following banks: • Bank of the Philippine Islands (BPI) Express Online – visit website at www.bpiexpressonline.com. If you have an account with BPI, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILA001845229) and select merchant name Insular Life Assurance Co. Ltd. • Metrobank Direct – visit www.metrobank.com.ph. If you have an account with Metrobank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILA001845229) and select merchant name Insular Life Assurance Co. Ltd. • UnionBank Philippines – visit www.unionbankph.com. If you have an account with UnionBank, you just need to add the prefix “IL” to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ILA001845229) and select merchant name Insular Life Assurance Co. Ltd. For the complete list of our premium payment facilities, you may visit this URL http://www.insularlife.com.ph/help-faq/policyholder-services/premium-payments-facilities.html for your reference. We hope that the above information were able to address your concern. Should you have other inquiries, please feel free to let us know. Should you have other concerns/inquiries, feel free to let us know. Maraming salamat po. ***** Magandang araw Ms. Sieras, This is regarding your e-mail below. You will be pleased to know that we have updated the expiration date of the credit card enrolled in the Automatic Charging Option (ACO) to the new expiration date of  December 2020. Incidentally, we are happy to introduce to you our latest facility in the i-EAGLE Customer Portal – the i-CHAT. This facility will allow us to discuss your insurance needs at your convenience, in real time. You can also optimize the i-CHAT using either your GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. We are available for i-CHAT from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Should there be any concerns or inquiries about your policies, please feel free to let us know in the i-EAGLE portal mailbox or in real time through the i-CHAT. Maraming salamat. ***** Magandang araw Ms. Katz, Our records show that you are scheduled to receive the Pension Benefits or Survivorship Benefit (SB) of your I-Fund policy under policy number ________________. For you to claim the benefit, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1 ) Duly accomplished and signed Customer Information Update form* 2) Duly signed Signature Affirmation form* 3) Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available at any Insular Life office nationwide and are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Barrios, Our records show that the last documents and request for benefit payout that we received was dated March 16, 2015. The proceeds amounting to PhP20,000.00 has been released to you through check on March 17, 2015 at our Quezon Avenue Regional Office. The next Survivorship Benefit payout of your policy will be due on October 20, 2016. Meanwhile, you have mentioned that you wish to pay in advanced the remaining premiums of your policy and consider placing your advance payment in the Premium Deposit Fund (PDF). The PDF is a payment facility which allows you to deposit future premiums (minimum 500.00 per deposit) and earn interest currently at 4% per annum. Below are the needed requirements for the PDF Application: 1. PDF Application Form* 2. Specimen Affirmation Form* 3. Customer Information Update Form* 4. 1 Government issued ID             a. Insured/Owner             b. Authorized Representative, if applicable Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Lazatin, This refers to your email dated ________________. Our records show that the 2nd and 3rd anniversary payouts that you mention were actually the 1st and 2nd annual payout. Please note that the first annual payout of your I-Dollar Pay 7 was due last June 25, 2014. Hence, you did not miss any payouts available on your policy. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** ************ Magandang araw Mr. Gorospe, We would like to acknowledge receipt of your email. We deeply appreciate your feedback on our service. It is through this kind of feedback that we are able to improve our customer servicing. We have endorsed your feedback to our Customer Care Assistant, Ms. Joyce Anne “Cheenee” Blancaflor who handled your concern dated November 2, 2015. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ************ Magandang araw Ms. Cadornigara, Allow us to further describe the features of your policy and your inability to continue paying your premiums beyond 1996 leading to its termination. As discussed in our previous letter, you were insured under our Ordinary Whole Life (OWL) plan under Salary Savings Insurance (SSI). It offers life insurance protection until age 99 and requires continuous premium payment during its protection period until age 99 also. Since the policy is under SSI, your monthly premiums were deducted from your monthly salary by your employer and remitted to our company during your time of employment. The premium payment should have been continued by you as the owner of the policy once no longer connected with the company. Your policy indeed has attached riders attached which are the Special Accident Rider with Disability Indemnity (SARDI) and Waiver of Premium Disability (WPD). However, as defined, riders are supplementary contract attached to your basic policy which is the OWL. The effectivity of the riders depends on the condition of the basic plan. As stated in your policy contract, all riders automatically terminates if the basic policy becomes inactive. Since the policy has been terminated, all riders attached to it have also been terminated. Meanwhile, you have also mentioned about the rights of the beneficiaries in one of your previous response. The beneficiary of a policy is the qualified person or entity designated in the insurance application to receive the death benefit under the insurance contract. The revocable and irrevocable beneficiary is a designation of an individual who is selected by the owner/insured of the policy to receive the claim benefits in case of untimely demise. For claims of a revocable beneficiary, the benefit payable to him is subject to estate tax and you no longer need to obtain his written consent before you can exercise your rights on your insurance policy. For the Irrevocable beneficiary, they have vested rights on the policy since the claim benefit payable is not subject to estate tax. This means that before the policy owner exercise his rights on the policy, the written consent is needed before exercising the rights on the policy Please be informed that you were designated as the owner/insured of this policy and not the revocable/irrevocable beneficiary. Hence, the rights of the beneficiaries do not apply to you. We hope we had clarified matters with you. Maraming salamat. Very truly yours, ******* Magandang araw Ms. Oliveros, This is to acknowledge receipt of your email. You will be pleased to know that Survivorship Benefit and accumulated dividends of your policy has already been applied as partial payment to your outstanding loan as intended. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ************ Magandang araw Ms. Chicano, This is to acknowledge receipt of your email duly signed Request for Policy Change Form. To enable us to process your request for change of beneficiary, below are the other needed requirements for the transaction: 1. Specimen Affirmation Form* 2. Duly signed Beneficiary Information Form * 3. Duly signed Customer Information Update form * 4. Original Policy Contract 5. One government issued ID of the following: a. Insured/Owner c. and Irrevocable Beneficiaries, if any **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 6. Duly notarized Special Power of Attorney 7. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, should be submitted personally at any Insular Life office near you or through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Mr. Ciriaco, This refers to you email below. You will be pleased to know that you can also request for a bank transfer to claim the benefit. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. *Forms are available at any Insular Life office nationwide and are also available for download from our website. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Abela, This is to acknowledge receipt of your email. Our records show that the Survivorship Benefit or SB of your I-Fund policy is indeed due and available for claim since September 30, 2015. For you to claim the SB, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Update (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, if any, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Update (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Update (BIF)* 4) Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Mr. Caimen, This is to acknowledge receipt of your email below. As discussed with you during our chat conversation earlier today, the fund values of your policy were insufficient to cover the latest monthly insurance charge. Hence, the policy had lapsed on October 28, 2015. Please know that you have a three (3) year period from the date of lapsation to have the policy reinstated, should you wish to maintain the investment linked plan. Below are the list of the initial requirements to be accomplished and submitted to any Insular Life District Office near you: 1. Original Policy Contract 2. Duly accomplished Application for Reinstatement/ Policy Change form* (ARPC) signed by: 2.1. Applicant-Owner 2.2. Irrevocable beneficiary if any; 3. Dread Disease Rider (DDR) Questionnaire 4. Financial Questionnaire 5. Duly signed Signature Affirmation form* 6. Duly accomplished Customer Information Update form* 7. Duly accomplished Beneficiary Information Form* 8. One (1) valid photo-bearing government issued ID (with signature) of the following: 8.1. Applicant-Owner 8.2. Irrevocable beneficiary if any; *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. Please also take note that the ARPC form shall be signed in the presence of our customer care specialist. Hence, this should be done in an over-the-counter transaction at any Insular Life District Office. Further, the above-mentioned requirements are subject for evaluation. Hence, we may ask for additional requirements while we are processing your application depending on the information indicated on the documents to be submitted. We hope you will find everything in order. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******** Magandang araw Ms. Censon, This is to acknowledge receipt of your new email. We have noted that you were not able to receive the Statement of Loan Transaction (SLT) that you requested last October 2015. Hence, you may just refer to the SLT that we are going to send for a more updated record. Meanwhile, our records show that there is an excess amount of PhP520.60 from your previous payments. In this regard, the check for refund on your policy may be claimed at any Insular Life offices near you. Please bring 1 Government issued ID upon claiming your check. We hope we are able to address your concern. Should you have any other inquiries, please feel free to let us know. Maraming salamat po. ********* Magandang araw Ms. Chicano, This is to acknowledge receipt of your email. Allow us also to provide clarity on this matter. We understand how you feel about the requirements We have brought up your request to the higher management for evaluation. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have other concerns/inquiries, please feel free to let us know. Maraming salamat po. ********************** Magandang araw Ms. Censon, This refers to your email below. The ‘Get Updated Policy Values’ button updates the values provided in the policy information page. To print the policy values, simply click the printer icon. Please see attached image for your reference. Kindly note that the updated values are available only from 7:00 AM to 7:00 PM. Maraming salamat po. ********** Magandang araw Ms. Chicano, This refers to your email below. You will be pleased to know that you may not submit the Customer Information Update (CIU) form. Instead, simply update your personal information within the i-EAGLE Customer Portal at your own convenience, for our confirmation that there are no changes in information, as you have mentioned. To do so, kindly follow the steps below: 1. Choose Policyholders Services menu 2. At the bottom part of the page, click Update Personal Information 3. When you’re done with your updates, you may now click Send Update Request Meanwhile, the other requirements that we provided are still needed for the processing of your request. You may scan and submit the specific forms as an attachment in reply to this email for your convenience. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Mr. Malacas, As requested, attached is the Statements of Premium Payments, under policy number A001233135. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******* Magandang araw Ms. Maclang, This is to acknowledge receipt of your email. Kindly see attached forms for your convenience. Should you have any other concerns, please feel free to let us know. Maraming salamat po. **** Magandang araw Ms. Santiago, This is to acknowledge receipt of your email. Our records show that your next semi-annual premium of PhP17,053.00 for PNA002059329 is due dated December 10, 2015. Kindly check if payment amount and details as seen in your Customer Portal account are correct. Please note that you should first update the values of your policy before you proceed with the payment. For you to view your updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Once your policy values has been updated, you may now proceed with the e-BAYAD payment by following the steps below: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. We hope we were able to address your concern. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Calderon, This is to acknowledge receipt of your email. Meanwhile, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. To use this facility, simply login to your i-EAGLE Customer Portal account, go to the Policyholders Services menu and click I-Serve. ********** Magandang araw Ms. Narvaza, This is to acknowledge receipt of your email The Pension Benefit or Survivorship Benefit (SB) of your I-Fund policy is scheduled as follows: 8th to 11th year = 10% of Sum Insured 12th to 14th year = 20% of Sum Insured Hence, your policy indeed has a benefit due for claim dated November 8, 2015. For you to claim the SB, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, if any, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 1. Duly accomplished and signed Customer Information Update form* 2. Duly signed Signature Affirmation form* 3. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are attached Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Calderon. This refers to your email below. Our records show that the following are the beneficiaries as designated in your insurance application: Leonila V. Calderon Mother Revocable Leonilyn C. Atagan Sister Revocable Josielyn V. Calderon Sister Revocable Rosemarie C. Dumaop Sister Revocable. We have endorsed a request to the right responding unit for inclusion of your beneficiary in the i-EAGLE Customer Portal. We shall provide you immediate feedback once we have the request has been processed. In the meantime, please bear with us. Meanwhile, if you would like to amend the beneficiaries of your policy you can do so by submitting the following to any Insular Life District Office: 1. Duly signed Request for Policy Change Form* 2. Specimen Affirmation Form*  3. Duly signed Customer Information Update form * 4. Duly signed Beneficiary Information Form * 5. Original Policy Contract 6. Birth Certificate (for each beneficiary to be added) \ Marriage contract for spouse 7.  One government issued ID of the following: a. Insured/Owner   c. and Irrevocable Beneficiaries, if any *Forms are attached **Since you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 We hope that we were able to address your concerns. should you have any other inquiries, please feel free to let us know. Maraming salamat po. ********* Magandang araw Ms. Narvaza, This is to acknowledge receipt of your email The Pension Benefit or Survivorship Benefit (SB) of your I-Fund policy is scheduled as follows: 8th to 11th year = 10% of Sum Insured 12th to 14th year = 20% of Sum Insured Hence, your policy indeed has a benefit due for claim dated November 8, 2015. For you to claim the SB, you may either request for a bank transfer or personally transact over the counter or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad, if any, must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Address: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact personally or through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. 4. Duly accomplished and signed Customer Information Update form* 5. Duly signed Signature Affirmation form* 6. Your one (1) valid photo-bearing government issued ID with signature If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 3. Duly notarized Special Power of Attorney 3.1. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 4. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are attached Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Go, This is to acknowledge receipt of your email. Our records show that we received your payment of PhP30,000.00 made through BPI. The amount has been applied to your annual premium due dated November 20, 2015. Hence, your next premium due will be due on November 20, 2016. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po ******* Magandang araw Ms. Fombuena, This is to acknowledge receipt of your email. Please be informed that November 18 – 19, 2015 was declared as non-working holiday in the Philippines. Hence, the i-CHAT facility was not available during your time of Customer Portal access. Should you have other concerns, please feel free to let us know. Maraming salamat po. ***** Magandang araw Ms. Dionisio, This is to acknowledge receipt of your email. We would like to confirm from you your specific request on your policy. We hope to hear from you the soonest. Maraming salamat po. **** Magandang araw Ms. Censon, As requested, attached are the Statements of Loan Transaction for your insurance policies, under policy numbers A001744997 and A001764872. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Luacan, As requested, attached is the Statement of Dividend Transaction for your insurance policy, under policy number A001353688. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *** Magandang araw Mr. Omandam, As requested, attached is the Statement of Loan Transaction for your insurance policy, under policy number A001841360. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******* Magandang araw pong muli Mr. Espiritu, Allow us first to provide you the updated values of your policy. As of November 23, 2015, the total Fund Values of the Equity and Fixed Income Fund combined is PhP2,532.32. To illustrate how the Fund Values of your Equity Fund and Fixed Income Fund is computed, you would   need to get the current unit price of the fund that you would want to compute, then multiply that amount by the number of units of that fund that you have. For the Equity Fund as of November 23, 2015 the unit price of the fund is Php4.400778 per unit and there are 401.911122 units of this fund.  To determine the Fund Value : PhP4.400778 x 401.911122 = PhP1,768.72 (fund values as of November 23, 2015) For the Fixed Income Fund as of November 23, 2015 the unit price of the fund is Php1.856847 per unit and there are 411.232644 units of this fund.  To determine the Fund Value : PhP1.856847 x 411.232644 = PhP763.60 (fund values as of November 23, 2015) To get the Total Fund Values you only need to add the Fund Values of the Equity Fund  and the Fixed Income Fund Fund Values of Equity Fund  PhP1,768.72 + Fund Values of  Fixed Income Fund    PhP763.60 = PhP2,532.32 (Total   Fund Values)      Please note that the unit prices changes from day to day and on certain days the prices would be low  or  it may the high.  Therefore on the days when the unit prices are high, the amount of the Fund Values would increase from that of your initial investment.  Consequently, when the unit prices are low, the fund values would be lower than that of your initial investment. Meanwhile, you may visit any Insular Life office near you. Kindly visit our website, www.insularlife.com.ph for the list of district offices. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. For further concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ****** Magandang araw pong muli Ms. Sampang, This refers to your latest email. As requested, below are the due dates of the policies that you listed: W100143027 – March 6, 2016 W100143026 – January 8, 2016 W100143029 – January 8, 2016 W100143028 – January 7, 2016 For you to view the amount due and updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. The Premium Notice for the above mentioned policy will be available, will be sent to your i-EAGLE Mailbox, 47 days before the due date. Meanwhile, you will be pleased to know that indeed the Survivorship Benefit (SB) of your I-Fund Plan with policy number A002003438 is now available for claim. If you wish to use the SB as premium payment to one of the policies below, simply send us a confirmation through your i-EAGLE Mailbox. Please indicate the policy number of the premium due to be paid. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw pong muli Ms. Sampang, This refers to our chat conversation earlier today. As you have noted through i-CHAT, you wish to have an additional beneficiary for your policy. To enable us to process your request, below are the other needed requirements for the transaction: 1. Specimen Affirmation Form* 2. Duly signed Beneficiary Information Form * 3. Duly signed Customer Information Update form * 4. Original Policy Contract 6. Birth Certificate (for each beneficiary to be added) \ Marriage contract for spouse 7.  One government issued ID of the following: a. Insured/Owner   c. and Irrevocable Beneficiaries, if any **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 6. Duly notarized Special Power of Attorney 7. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, should be submitted personally at any Insular Life office near you or through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 *Forms are available for download from the ‘Policyholder Services’ menu of your i-EAGLE Customer Portal. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Ms. Oliveros, This is to acknowledge receipt of your email. Kindly see below details relative to your concerns below: 1. I have been requesting for my summary of loan payments made out from my living benefit and dividends, which until now has not been provided. Our records show that the Statement of Loan Transaction (SLT) has already been sent to your preferred mailing address at 295 N. Domingo Street Tower 1-3I Little Baguio Terraces Condominium Barangay Ermitaño San Juan City Metro Manila 1500 2. I just want to understand the amount more than 10,000 paid to my loan, where in the loan balance given to me, it appeared that about 5,000+ were just paid/deducted. Also, if it is not too much to ask, and if it is still possible to check this...I found my receipts of my old old ..he he.. 1990 INSULAR LIFE ASSURANCE COMPANY Policy No. Z909344 - August 8, 1990, Premium amount of P303.90. My questions are: * Does Insular has still my record? * Can this policy be continued? * Any information Insular can provide me on this, would be highly appreciated. It was unfortunate that those times, i do not exactly know the necessity of having such, hence. Thank you very much as always for whatever information/clarification you can provide to me on all my concerns and questions. Kindly copy my personal email address at [email protected] on your reply so i could be able to receive it immediately. ********* Hi, Please deduct the monthly premium from my dividend. Jennylyn Sarah Rivas, customer care asst II, sent me an email on 12-03-15 @ 0117AM, unfortunately, I cannot reply to her email. She was asking for some info like bday, place of birth, mother's maiden name, ss#/tin#, and contact numbers. Is my file not up to date? Thank you Magandang araw Ms. Dilig, This is to acknowledge receipt of your email. Our records show that the accumulated dividend of your policy is sufficient to cover your monthly premium of PhP 2,728.19 due dated November 1, 2015. Hence, you may disregard the billing reminders that you receive since the application of dividends to your premium will automatically take effect soon after the 31-day grace period. Meanwhile, the premium notice that we previously sent was returned to us by our courier as your preferred mailing address cannot be located. In this regard, we would like to request you to check the details of your mailing address and to update your personal information by following the steps below: 1. Choose Policyholders Services menu 2. At the bottom part of the page, click Update Personal Information 3. When you’re done with your updates, you may now click Send Update Request Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Mr. Lumba, This is to acknowledge receipt of your email. Our records show that your policy was issued under the I-Secure plan for a sum insured of PhP290,800.00 effective December 14, 2005. Basically, this plan provides insurance protection for life and continuous payment of premium up to age 99. It also provides the following benefits: • Maturity benefit equivalent to sum insured less any indebtedness, should you outlive the protection period; • Death benefit equal to sum insured less any indebtedness, if any, payable to designated beneficiaries; • Guaranteed cash values which may be available for policy loan in case of emergency; • Annual dividends as may be declared based on actual Company experience. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of this date, the Cash Surrender Value (CSV) of your policy is PhP12,153.47. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by: a. Policyowner b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. c. Assignee, if the policy is assigned If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 9. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 10. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Meanwhile, you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life office near you. In case you have an account with The Bank of the Philippine Islands/Metrobank/ UnionBank Philippines, you can use their online facility (www.bpiexpressonline.com/ www.metrobank.com.ph/ www.unionbankph.com) to pay your outstanding loan and premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILA001942935) and select merchant name Insular Life Assurance Co. Ltd. We hope we were able to address your concerns, Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Dodds, This is to acknowledge receipt of your email. First of all, allow us to explain the basic features of your insurance plan. Our records show that your policy number 0002297277 was issued under the Insular Diamond Jubilee plan for PhP1,000,000.00 effective October 14, 1993. Basically, this plan provides insurance protection from issue date of the policy up to age 99 and requires premium payments with the same duration. It also provides the following benefits: • Maturity benefit equivalent to the face amount, less any outstanding loan, should you outlive the maturity date of your policy; • Death Benefit equivalent to the face amount, less any outstanding loan, payable to the designated beneficiaries, in case of a claim; • Guaranteed cash values which may be available for loan in case of emergency; • Annual dividends as may be declared based on actual company experience. As an update, the policy is in active status and has already been paid for twenty three (23) years with no outstanding loan and with accumulated dividends of PhP20,031.13. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of December 14, 2015, the Cash Surrender Value (CSV) of your policy is PhP220,031.13. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by: a. Policyowner b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. c. Assignee, if the policy is assigned If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner b. Irrevocable beneficiary/ies, if any. If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 6. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 7. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Meanwhile, our Makati office is still undergoing an upgrade. For your transaction, you may visit us at 3rd Flr, Insular Health Care Building 167 dela Rosa corner Legazpi Streets Legaspi Village, Makati. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. You will be assisted by any Customer Care Assistant available during your visit. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Mr. Ruaro, This refers to your email below. You will be pleased to know that your request for change of premium mode from quarterly to annual has already been processed. Hence, the annual premium of your policy is PhP 9,070.00 which is due dated December 14, 2015. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********** Magandang araw Ms. Tablante, This refers to your email below. Please be informed that your payment has been applied as payment to your premium due dated November 16, 2015. As an update, your next monthly premium is due dated December 16, 2015. The current outstanding loan of your policy is PhP91,452.13. You may settle your outstanding loan either in full or by installment basis depending on your convenience. Kindly note that, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, the Official Receipt (OR) of your latest payment is currently in transit and will be delivered to your preferred mailing address BLOCK 19 LOT 16 OUR LADY OF CANDELARIA STREET ROSARIO COMPLEX SAN VICENTE SAN PEDRO LAGUNA 4023. Moreover, we have endorsed a request for Statements of Premium Payments and Loan Transactions for you to have an overview of what has transpired in your policy. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Mr. Palmares, This is to acknowledge receipt of your email. A review of our records show that the 20 Year Endowment Plan issued on August 31, 1994 has indeed matured last August 31, 2014. To claim the Maturity Benefit, please submit the following to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone number (02) 582-1818. 1. Original Policy Contract (if the policy is lost or damaged, you can submit a notarized Lost/Damaged Policy Affidavit with Discharge of Policy* instead); 2. One (1) valid photo-bearing government-issued ID with signature of the Policyowner 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* If you wish to be represented by your wife to transact in your behalf, please require her to submit the following in addition to the above mentioned requirements: 6. Duly notarized Special Power of Attorney* 7. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. **Since you are currently abroad, all forms to be submitted must be duly authenticated by the Philippine Consular Office in the country where you are currently residing. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw Mr. Salamat, This is to acknowledge receipt of your email. We have endorsed your request to the right responding unit for evaluation. They shall provide you a sample proposal, for your review, once the evaluation has been completed. In the meantime, please bear with us. Should you have other concerns/inquiries, please feel free to let us know. Maraming salamat po. **** Magandang araw Mr. Trinidad, This refers to our chat conversation yesterday, January 21, 2016. As requested, below is the summary of Survivorship Benefits that were released under your I-Fund plan with policy number A001646484. SB Policy Anniversary due date – Date released June 4, 2009 – June 5, 2009 (Applied to loan) June 4, 2010 – June 16, 2010 (Applied to loan) June 4, 2011 – June 6, 2011 (Applied to loan) June 4, 2012 – June 5, 2012 (Applied to loan) June 4, 2013 – June 8, 2013 (Partially applied to loan and the remaining amount was released to Applicant-Owner) June 4, 2014 – June 4, 2014 (Released to Applicant-Owner) June 4, 2015 – June 5, 2015 (Released to Applicant-Owner) We hope we were able to address your concern. Should you have any other inquiries, please feel free to let us know. Maraming salamat po. ************** Magandang araw Ms. Cabigting, This is to acknowledge receipt of your email. This is also relative to our chat conversation earlier today. Wealth Secure is a peso-denominated investment linked insurance plan that provides insurance protection and makes available funds you can use for whatever purpose you may have. Basically, your plan is a combined investment and protection where your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment funds of your choice. One of the best advantages of this type of plan is that you are able to invest through a regular-premium. Hence, you don’t have to invest a large sum at the start of the plan. In this regard, as we have noted through i-Chat, the amount usually charged for all new policies which covers all expenses associated with issuance of your policy was also distributed into 85%, 51%, and 36% of the regular premium in the first, second, and third policy year, respectively for your convenience. This is reflected in your Statement of Account (SOA) as the Other Charges and is billed according to your chosen mode of premium payment. Please be assured that 100% of your premiums will be allocated to the fund on the fourth (4th) year of your policy. Meanwhile, the Automatic Debit Arrangement (ADA) can be applied through over the counter. In case you have an account with The Bank of the Philippine Islands/Metrobank/ UnionBank Philippines, you can also use their online facility (www.bpiexpressonline.com/ www.metrobank.com.ph/ www.unionbankph.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILW100137901’) and select merchant name Insular Life Assurance Co. Ltd. Otherwise, for more convenient ways of paying premiums through cash while you’re abroad, you can send your remittances by ‘bank to bank’ wire telex transfer. When you visit the bank/remittance center to execute this transaction, please have them indicate this information on the remittance form: Bank Name / branch : Bank of the Philippine Islands / Insular Life Branch Ground Floor, Insular Corporate Center Filinvest Alabang, Muntinlupa City Account Name : The Insular Life Assurance Co., Ltd. Account Number : 8841-0000-22 Policy Number : ILW100137901 SWIFT Code : BOPIPHMM Please note that the corresponding bank charges will be for the account of the policyholder. This should be considered in the remittance. Please have your remittance center indicate your policy no. & name when paying thru wire transfer After you have remitted your premium payment, please notify us of your remittance by sending us a scanned copy of the validated wire transfer or telegraphic transfer form attached to an e-mail and/or a letter to ‘[email protected]’ indicating the following additional information: Amount wired Date of transfer Name of Payee Payment intention for policy no. _______ Name and address of your bank We will use them in following up your payment with the local bank. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Ms. Mirandilla, This is to acknowledge receipt of your email. Our records show that your Sure Cash for Me plan with policy number ZA0AA26952 is indeed fully paid. The Cash Benefit of your policy will be granted at the end of the 5th policy year up to the end of the 14th year. For you to claim the benefit, you may either request for a bank transfer or transact through an authorized representative once it fall due on your policy anniversary date. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF)* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly accomplished and signed Beneficiary Information Form (BIF)* 3) Duly signed Signature Affirmation Form* 4) One (1) valid government-issued ID (e.g. passport) with your picture and signature 5) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 6) The joint accountholder must: 6.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 6.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of Survivorship Benefit will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1) Duly notarized Special Power of Attorney (see attached) If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2) Duly accomplished and signed Customer Information Update form* 3) Duly accomplished and signed Beneficiary Information Form (BIF)* 4) Duly signed Signature Affirmation form* 5) Your one (1) valid photo-bearing government issued ID with signature 6) Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are also available for download from our website. Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****************** Magandang Araw Ms. Marcott, Thank you for your immediate response. Our records show that your I-Sure 5 insurance plans were both paid for four (4) years. However, your policy number A002250447 has an outstanding loan of PhP71,947.19 while your policy number A002250450 has an outstanding loan of PhP69,669.67. We have endorsed a request for Statements of Premium Payments and Loan Transactions to the right responding unit for you to have a clear overview of what has transpired on your policies. We shall send it to you through your i-EAGLE Mailbox once processed. Meanwhile, we are currently evaluating your policy based on the information you have given us. For us to validate your payment through your servicing agent, Ms. Joanna Rosary Diaz, we would like to know the following details: Official Receipt number     : Amount paid                       : Name of Branch/bank        : We appreciate if you could give us the above information the soonest or a copy of the said payment, for us to reconcile with our records and lift your concern to the higher management. We hope to hear from you soon. Maraming salamat po. ********* Magandang araw Ms. Briones, This is to acknowledge receipt of your email. Our records show that you are insured under the Wealth Secure plan under policy number W100135988. Wealth Secure is a peso-denominated investment linked insurance plan that provides insurance protection and makes available funds you can use for whatever purpose you may have. Basically, your plan is a combined investment and protection where your premiums provide not only a life insurance cover, but part of the premiums will also be invested in specific investment funds of your choice. One of the best advantages of this type of plan is that you are able to invest through a regular-premium. Hence, you don’t have to invest a large sum at the start of the plan. In this regard, the amount usually charged for all new policies which covers all expenses associated with issuance of your policy was also distributed into 85%, 51%, and 36% of the regular premium in the first, second, and third policy year, respectively for your convenience. Please be assured that 100% of your premiums will be allocated to the fund on the fourth (4th) year of your policy. Further, please also be informed that through investment, you can gain more returns than putting your money in the bank. The fund allocation can definitely become higher versus the insurance charges the longer you keep the policy. The basic insurance coverage, in the event of untimely demise, is guaranteed and mainly a multiple of the annual premium. Meanwhile, If you feel that you no longer need the protection that your policy provides and wish to withdraw all the available funds of your policy after five (5) years, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. For other available insurance products, you may check our website and go to 'Products & Services'. We hope we were able to address your concern. Should you have any other inquiries, please feel free to let us know. Maraming salamat po. ***** Magandang araw Ms. Briones, This is to acknowledge receipt of your email. Our records show that the current Fund Values of your policy is PhP6,773.75. Should you wish to pursue the full withdrawal of your funds, we would like to inform you that the value of fund withdrawal will depend on the date of receipt of the following requirements: 1. Original Policy Contract 2. Duly accomplished Wealth Series Application for Fund Withdrawal signed by the following: 2.1. Policy Owner 2.2. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. 2.3. Assignee, if the policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Specimen Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, of the following: 5.1. Policyowner 5.2. Irrevocable beneficiary/ies, if any. *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. If negotiated through a third party, require Authorization letter and two (2) valid IDs of representative in addition to the above. And if policyowner/irrevocable beneficiary(ies) is/are abroad, require Special Power of Attorney duly notarized and authenticated by the Philippine Consular Office where policyowner/irrevocable beneficiary(ies) is/are residing. Should there be any inquiries or concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********** Magandang araw Mr. Atienza, This is to acknowledge receipt of your email. A review of our records show that the 20 Year Endowment insurance plan under policy number A001253113 issued on May 23, 2000, had been paid for thirteen (13) years before it was automatically converted to an Extended Term Insurance (ETI) effective August 23, 2013 when we did not receive the quarterly premium of within the 31-day grace period and the available Cash Values and dividends were no longer sufficient to pay the premiums. Under ETI, you are covered for a Face Amount of PhP506,292.04 effective until May 23, 2020. As an update, your policy has no outstanding loan and accumulated dividends with a current cash values of PhP5,735.17. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, the Insular Diamond Life insurance plan under policy number A001253121 issued on May 23, 2000, had been paid for ten (10) years before it was automatically converted to an Extended Term Insurance (ETI) effective November 23, 2010. Under ETI, you are covered for a Face Amount of PhP 417,142.40 effective until September 9, 2011. Regrettably, we can no longer reinstate your policy number A001253121 and place it back in active status once again since the three (3) year reinstatement period stipulated in Section 10 of the Policy Provisions in the Policy Contract (under ‘Reinstatement’) had expired on September 9, 2014. Further, to ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. Furthermore, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. Forms can be downloaded from our website. You may scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw pong muli Ms. Hernandez, This is to acknowledge receipt of your email. Our records show that your request for policy number W200212399 has already been processed. Hence, your latest annual premium due on July 27, 2016 is PhP100,000.00. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******* Magandang araw Mr. Atienza, This refers to your email below. Kindly see below details relative to your concerns: 1. Does this mean that when she reaches the maturity date of May 23, 2020 she can collect the amount of PhP506,292.04? Kindly be informed that once a policy has been converted to ETI, the only benefit left will be the Death Benefit. Hence, the Maturity Benefit will no longer be claimable. 2. What are our further options on this policy, if there is, say assuming we decide to continue paying the annual premiums until May 23, 2020? Please know that you have a three (3) year period from the date of lapsation to have the policy reinstated, should you wish to maintain your insurance plan. If you would like to place the policy back to its ‘active’ status, please submit to any Insular Life District Office nearest you the following: • A properly accomplished Application for Reinstatement/Policy Change form; * • Duly signed Specimen Affirmation Form:* • Copy of your govt. issued ID with your picture and signature on it; and *Note: the forms are available at any Insular Life Office or can be downloaded from our website ‘www.insularlife.com.ph’ , look under ‘policyholders services, and click on ‘ ‘forms’. Meanwhile, we have submitted a request for computation of the tentative deposit for reinstatement to the right responding unit. We shall send you another email once we receive feedback from them. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Atienza, This refers to your email below. Please be informed that we could not refund the premium payments on the policy since you have been under the protective coverage of the policy from the effective date up to the last due date. Meanwhile, we have sent a request for Statements of Premium Payments, Loan Transactions, and Annual Dividends for you to have an overview of what has transpired in your policy to the right requesting unit for processing. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******** Magandang araw Ms. Censon, We would like to apologize for our delayed feedback on your email. We have checked your submitted documents and we have noted of the following points: 1. Duly accomplished and signed Request for Policy Change form for Policy Assignment request (see attached) a. Request should be noted on the “Others” field the indicate “policy assignment” b. Requires signature of Witness (any relative or person who personally knows you) 2. Duly accomplished and signed Request for Policy Change form for Change of Name request (see attached) a. Requires signature of Irrevocable Beneficiary, if any. 3. Duly signed Signature Affirmation from (see attached) a. Must contain old and new signature We hope you find everything in order. Should you have any other concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********* Magandang araw Ms. Marcott, Thank you for sending us the details of your payment. First of all, allow us to provide you the basic details of your policies. You are insured under the I-Sure 5 plan with Policy Numbers (PN) A002250447 and A002250450 issued dated March 7, 2012. The annual premiums of PhP 195,037.50 for PNA002250447 and PhP 193,100.00 for PNA002250450 are both due every 7th day of March up to the beginning of the 5th policy year on March 7, 2016. Verification of our records show that we received the payments that you mentioned in your email. The payments were placed to your Premium Deposit Fund (PDF) to earn interest. However, we noted that the PDF as of March 7, 2015 were insufficient to cover the annual premiums of both policies. Kindly note that the PDF can only be applied as premium payment if it can cover the amount in full. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. As a result, both policies incurred an outstanding loan. The insufficient PDF and your payment dated April 7, 2015, amount that we received during the grace period, were applied as partial payment to the loan. Meanwhile, your payments made last May to July 2015 were deposited to your PDF on each policy as instructed while the payments from August to October 2015 were automatically applied as partial payment to loan. If you wish to apply the PDF of both policies as partial payment to loan, simply confirm by replying to this email. Incidentally, to ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. Further, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the forms from our website then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Mr. Quizon, Thank you for responding to our email as we were able to First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0002232246 issued on November 26, 1990 with a Sum Insured of PhP 150,000.00.  As an update, the policy is in active status and has already been paid for twenty five (25) years with an outstanding loan of PhP2,772.43 and with no accumulated dividend. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, , less any indebtedness,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. Meanwhile, we noted that you wish to shorten your premium paying period. In this regard, we have endorsed a request for quotation of the Fully Paid Up Option to the right responding unit for evaluation. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have further concerns, please feel free to let us know. Maraming salamat po. ************ Magandang araw Mr. Santos, This refers to our chat conversation earlier today. Our records show that the current Fund Values of your policy is PhP18,427.54. Should you wish to pursue the withdrawal of your funds, we would like to inform you that the value of fund withdrawal will depend on the date of receipt of the following requirements: 1. Original Policy Contract 2. Duly accomplished Wealth Series Application for Fund Withdrawal* signed by the following: 2.1. Policy Owner 2.2. Irrevocable beneficiary/ies, if any. 2.3. Assignee, if the policy is assigned. 3. Duly signed Specimen Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: 6.1. Policyowner 6.2. Irrevocable beneficiary/ies, if any. If negotiated through a third party, require Authorization letter and two (2) valid IDs of representative in addition to the above. And if policyowner/irrevocable beneficiary(ies) is/are abroad, require Special Power of Attorney* duly notarized and authenticated by the Philippine Consular Office where policyowner/irrevocable beneficiary(ies) is/are residing. Please note that a minimum of PhP10,000.00 is allowed for a partial withdrawal transaction and the minimum balance after withdrawal must be PhP20,000.00 (total of all fund types). Meanwhile, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. *See attached. *Forms can be downloaded at our website (www.insularlife.com.ph) and also available at any Insular Life district offices. We hope you find everything in order. Should there be any inquiries or concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. *********** Magandang araw Mr. Santos, This refers to your email below. First of all, allow us to explain the basic features of your insurance plan. Our records show that your policy number A001655838 was issued under the Insular Diamond Jubilee plan for PhP 1,000,000.00 effective August 28, 2001. Basically, this plan provides insurance protection from issue date of the policy up to age 99 and requires premium payments with the same duration. It also provides the following benefits: • Maturity benefit equivalent to the face amount, less any outstanding loan, should you outlive the maturity date of your policy; • Death Benefit equivalent to the face amount, less any outstanding loan, payable to the designated beneficiaries, in case of a claim; • Guaranteed cash values which may be available for loan in case of emergency; • Annual dividends as may be declared based on actual company experience. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of today, the Cash Surrender Value (CSV) of your policy is PhP83,756.58. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 9. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 10. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Further, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the FATCA related forms from our website then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Mr. Catahan, This is to acknowledge receipt of your email. For us to process your request for change of beneficiary, below are the needed requirements for the transaction: 1. Duly signed Request for Policy Change Form* 2. Specimen Affirmation Form*  3. Duly signed Customer Information Update form * 4. Duly signed Beneficiary Information Form * 5. Original Policy Contract 6. Birth Certificate (for each beneficiary to be added) \ Marriage contract for spouse 7.  One government issued ID of the following: a. Insured/Owner   c. and Irrevocable Beneficiaries, if any *see attached *forms are also available at any Insular Life office or may be downloaded at the Policyholder Services menu of your Customer Portal account. **If Applicant-owner and/or Irrevocable Beneficiary(ies) is/are abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 7. Duly notarized Special Power of Attorney* 8. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, can be submitted personally at any Insular Life office near you or through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Meanwhile, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the FATCA forms from our website then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Mr. Rito, This is to acknowledge receipt of your email. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For non-investment plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Incidentally, we would like to inform you of our new servicing innovation. You may now apply for loan and dividend withdrawal online thru your i-EAGLE Customer Portal, the I-Serve. Kindly note that this facility is only applicable for regular plans with available loanable amount or dividends and with no irrevocable beneficiary. To use this facility and to check if your policy is qualified, simply go to the Policyholders Services menu and click I-Serve. Meanwhile, to ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. Further, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the forms from our website then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********* Magandang araw Mr. Balbin, This refers to your email below. Our records show that the accumulated dividends of your policy is now amounting to PhP118,797.49. For you to view the updated policy values and information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, to ensure the completeness and correctness of the information of your current designated beneficiary/ies on your policy, kindly accomplish the Beneficiary Information Form enclosed in this email. This is also in compliance to AMLA requirement under AMLC (Anti-Money Laundering Council) Resolution No.10-C dated January 24, 2013. Please note that we are only updating the basic information of your beneficiary, and in case of change/correction of name, additional/deletion of beneficiary and/or change of designation, these amendments are subject for submission of requirements for proper endorsement on your insurance policy. Further, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the forms from our website then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang araw Mr. Santos, This refers to your email below. Our records show that your policy number A001655838 was issued under the Insular Diamond Jubilee plan for PhP 1,000,000.00 effective August 28, 2001. Basically, this plan provides insurance protection from issue date of the policy up to age 99 and requires premium payments with the same duration. It also provides the following benefits: • Maturity benefit equivalent to the face amount, less any outstanding loan, should you outlive the maturity date of your policy; • Death Benefit equivalent to the face amount, less any outstanding loan, payable to the designated beneficiaries, in case of a claim; • Guaranteed cash values which may be available for loan in case of emergency; • Annual dividends as may be declared based on actual company experience. Please be informed that we could not refund the premium payments on the policy since you have been under the protective coverage of the policy from the effective date up to the current date. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang araw Ms. Mendoza, This refers to your email below Our records show that some of your quarterly premiums from June 20, 2011 up to September 20, 2014 were left unpaid and most of it was delayed. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from the Cash Values and incurred a loan. As an update, your policy is still active with accumulated dividends of PhP2,203.51 and with no outstanding loan as we noted that you recently paid the amount in full. Your next quarterly premium will be due dated March 20, 2016. Meanwhile, for you to have a summary of all your premium payments, we have requested a Statement of Premium Payments to the right responding unit for processing. We shall send it to you through your portal mailbox once done. We hope we were able to address your concerns. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Ms. Gullan, This is to acknowledge receipt of your email. If you wish to request for change of beneficiary, below are the needed requirements for the transaction: 1. Duly signed Request for Policy Change Form* 2. Specimen Affirmation Form*  3. Duly signed Customer Information Update form * 4. Duly signed Beneficiary Information Form * 5. Original Policy Contract 6. Birth Certificate (for each beneficiary to be added) \ Marriage contract for spouse 7.  One government issued ID of the following: a. Insured/Owner   c. and Irrevocable Beneficiaries, if any Meanwhile, if you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of March 10, 2016, the Cash Surrender Value (CSV) of your policy is PhP255,487.19 To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Further, we would like to inform you of the Foreign Account Tax Compliance Act (FATCA) law of the US Government. Under the law, all financial institutions in the Philippines are required, by an Inter –Governmental Agreement (IGA) between the Department of Finance and the US Government through their Internal Revenue Service (IRS), to participate in providing information on financial accounts held directly or indirectly by US persons/citizens on an annual basis. You may download the attached forms then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Maraming salamat po. ********* Magandang araw Mr. Regino, This refers to our chat conversation earlier today. As we have noted through chat, below are the needed requirements for manual ACO enrollment: Authorization Form for ACO (signed by Policy owner and Credit Card Holder) (see attached) Photocopy or scanned copy of the front face of your credit card 1 government-issued ID with photo and signature of the policy owner and the Credit Card holder (scanned copy will do) We hope you’ll be able to find everything in order. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ****** Magandang araw Mr. Mercadejas, This refers to our conversation earlier today. First of all, thank you for joining our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016. We would like to confirm that you have earned raffle entries upon updating your personal information and accomplishing the compliance forms. The notification regarding the raffle entries will soon be sent through your i-EAGLE mailbox. You now have a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free, on the grand draw. As we have noted over the phone, Insular Life is subject to existing government regulations including those on tax monitoring. By virtue of the Inter-Government Agreement signed by the Philippine Government with the United States of America (U.S.A.) to implement the provisions of the Foreign Account Tax Compliance Act or FATCA, the Philippines has agreed to monitor U.S. Persons holding investments in accounts maintained in its jurisdiction. According to US laws, all U.S. Persons, regardless of where they live, have an obligation to pay taxes on their income. In view of this agreement, the Philippine Government now requires all financial institutions, including Insular Life, to report to the proper tax authorities, certain information about foreign accounts held by U.S. Persons. In compliance with the foregoing requirement, may we request you to accomplish the attached W9 form to help us determine your status under FATCA. We hope to hear from you the soonest. You may download the attached forms then scan and submit the specific form as an attachment in reply to this email and we shall appreciate if you can send it to us the soonest possible time. Should you have concerns, please feel free to let us know. Maraming salamat po. ********** Magandang araw Mr. Mag Isa, This is to acknowledge receipt of your email. We wish to inform you that the summary of payment for your investment link plan is already available in the Statement of Account (SOA) sent to you every quarter and Transaction Confirmation Notice (TCN) being released after each payment. For your convenience, you may immediately download the SOA & TCN for your policy by following the instructions below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. 3. Scroll down to go to Statement of Account field. 4. Input your preferred 'Date Range' to show the printable SOA and TCN For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********* Magandang araw Ms. Lapat, Allow us to discuss the basic features of your policy. The Ten  STAR life Plan issued on  September 4, 2003 under A001771250 is a whole life plan  that provides protection up to age 99 years of the insured.  Premiums are payable for a guaranteed period of ten (10) years from the date of issue.  It provides the following benefits: Death Benefit  equivalent to the face amount, less any indebtedness,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the face amount, less any indebtedness, that will be payable on the policy anniversary date after reaching the age of 99 years by the insured.  The maturity date of the policy is September 4, 2071   ; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends  may be declared each year.  As of the current date the policy has an accumulated dividend of  PhP5,374.28. As of the current date , the ten (10) year premium paying period has been completed and the policy  is now fully paid up  and has an outstanding loan of  PhP1,156.52 Payments towards the outstanding loan can be made in any amount and is as many installments as your budget will allow.  Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you feel that you no longer need the protection that this policy provides and wish to surrender your policy, we would like you to know that the transaction will permanently terminate your policy.  This means that if you want coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; or 2) you will no longer be insurable for health reasons. In this regard, we would like to encourage you to keep your insurance policy for the financial benefit and protection of your family and loved ones in case of untimely demise.  However, should you consider to pursue surrendering the policy, the proceeds that you will receive will be   PhP50,412.33.  Below are the requirements for us to process such a request to be submitted to an Insular Life Office nearest you: 1. Original Policy Contract 2. Duly accomplished Application for Policy Surrender Form * 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. One (1) valid photo-bearing government issued ID, with signature, 6. Beneficiary Information Form** If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Meanwhile, we would like to invite you to join our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 campaign. Get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free! To join, visit our Insular Life lik: http://insularlife.com.ph/tools-faq/policyholders-services.html or our website at www.insularlife.com.ph. Campaign period lasts up to June 15, 2016 with grand draw on June 16, 2016. You may discuss your insurance needs at your convenience, in real time through our i-CHAT. You can optimize the i-CHAT using either your GPRS/ Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Should there be any  inquiries or concerns about the above, please feel free to let us know. Maraming salamat. ***** Magandang araw Dr. Biasong, This is to acknowledge receipt of your email. Thank you for joining our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016. We would like to confirm that you have earned raffle entries upon updating your personal information and accomplishing the compliance forms. The notification regarding the raffle entries will soon be sent through your i-EAGLE mailbox. You now have a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free, on the grand draw on June 16, 2016. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** Magandang araw Ms. Mendoza, This refers to your email below. As you may notice, the Statement of Loan Transaction (SLT) that we provided is as of February 26, 2016, while your loan payment was done dated February 29, 2016. Rest assured that all the payments that you mentioned were applied to your policy as follows: 10/17/2013 10,520.18 OR #10050660 IL Legaspi – applied as payment to APL (Refer to SLT) 10/17/2013 1,449.00 OR#10050659 IL Legaspi – applied as payment to quarterly premium due dated September 20, 2013 (Refer to SPP) 02/09/2015 1,597.62 BPI Sorsogon branch – PhP1,449.00 applied to annual premium due dated March 20, 2015 and PhP148.62 as partial payment to APL (Refer to SLT and SPP) 03/12/2015 3,916.00 BPI Sorsogon branch – applied to annual premium due dated March 20, 2015 For your convenience, we have highlighted the matching payment amounts, that you mentioned, in the SPP and SLT that we previously sent. See attached copy for your reference. Meanwhile, below is the computation relative to your payables after your payment of PhP9,538.27 last February 29, 2016 at BPI Sorsogon branch. Payables as of February 26, 2016: Outstanding Loan as of February 26, 2016 (see SLT) - PhP4,173.27 Annual premium due dated March 20, 2016 - PhP 5,365.00 The payment was posted in our system on March 2, 2016. Hence, your latest payment was reflected in the SPP but not in the SLT. As an update, your policy has no outstanding loan as of the current date. The next annual premium will be due on March 20, 2017. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********** Magandang araw Mr. Guisihan, This refers to our chat conversation earlier today. As we have discussed over the phone, you have successfully enrolled your credit card in our ACO. However, only regular plans are qualified for ACO enrollment. Hence, since you have an account with The Bank of the Philippine Islands,you can use their online facility (www.bpiexpressonline.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILW100181888'). Meanwhile, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 campaign. Get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free! To join simply visit the Policyholders Services menu of your customer portal account and select "Cashandog.2016". The campaign period is from March 15 to June 15, 2016 with Grand draw on June 16, 2016. Should you have any other concerns, please feel free to let us know. Maraming salamat po. **** Magandang araw pong muli Mr. Santos, This refers to your email dated March 21, 2016. Allow us to provide clarity on this matter. As we have noted, you are insured under the Insular Diamond Jubilee plan issued on August 28, 2001 with a Sum Insured of PhP1,000,000.00. When you purchased this life insurance, you have invested for the protection of your family. By having a life insurance, you can assure that a fund will be provided for your family to take care of their immediate and future needs in case of untimely demise. As a whole life protection plan, this plan provides insurance protection and premium payment for life from the time it has been issued. Hence, the premiums that you paid have been mainly used for your insurance protection. Considering that, in case of untimely demise, within the covered period, death benefit of PhP1,000,000.00 will be given to your beneficiaries. Meanwhile, cash values are part of the premiums you pay which is set aside as savings under an insurance policy. Hence, it is not equivalent to the total amount of premiums paid. As a benefit under an insurance policy, one can apply for a loan against these cash values. Briefly, the premiums that you paid are partly used as payment for the life insurance protection and partly set aside as savings. If you still wish to surrender your insurance policy, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If you and/or your Irrevocable Beneficiary(ies) are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 7. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 8. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. *Forms are attached. Meanwhile, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 campaign. Get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free!  To join simply visit the Policyholders Services menu of your customer portal account and select "Cashandog.2016".  The campaign period is from March 15 to June 15, 2016 with Grand draw on June 16, 2016. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Atty. Pozon, This is to acknowledge receipt of your email. For us to process your request for change of beneficiary, below are the needed requirements for the transaction: 1. Original Policy Contract 2. Duly signed Request for Policy Change Form* 3. Specimen Affirmation Form* 4. Duly signed Beneficiary Information Form * 5. Duly signed Customer Information Update form * 6. Birth Certificate (for each beneficiary to be added) \ Marriage contract for spouse 7. DPS FATCA Form* 8. One government issued ID of the Insured/Owner *forms are attached **If Applicant-owner is abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney must be authenticated by the Philippine Consular Office where the Applicant-owner is currently residing. If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 9. Duly notarized Special Power of Attorney* 10. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. The documents, once accomplished, can be submitted personally at any Insular Life office near you or through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Meanwhile, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 program and get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each tax free! To join simply visit the Policyholders Services menu of your customer portal account. Campaign period lasts up to June 15, 2016. The list of winners will be announced online after the grand raffle draw on June 16, 2016. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Anciano, First of all, thank you for joining our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016. We would like to acknowledge receipt of your email. However, there are no attached documents as you have mentioned. To successfully attach a file, please click the “attach file” link after browsing/selecting the file or document that you wish to send. If the documents that you are trying to submit cannot be sent through your Customer Portal mailbox, you may send us an email with the attached documents at [email protected]. We hope to hear from you soon. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** The processing time depends on the completeness of the documents that you submitted. This can be processed within the day if you personally visit any of our Insular Life Offices. Magandang Araw pong muli Mr. Fajardo, This refers to your query about the processing duration of the policy surrender transaction. The processing time depends on the completeness of the documents that will be submitted. This can be processed within the day if, in case, you personally visit any of our Insular Life Offices. Meanwhile, if you wish to transact with us while you are out of the country, we will be able to process your request once we receive the complete documents. Once received, your request may be processed, including the initiation of bank transfer, within twenty-four (24) hours. However, we shall have to wait for the three-day bank clearing before we give you a confirmation that the amount has been successfully transferred to your account. We hope we were able to address your concern and find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang Araw pong muli Mr. Fajardo, Allow us to provide thorough details relative to your concern on the standard processing of the policy surrender transaction. Kindly be informed that you may either request for a bank transfer, transact personally or through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of the following documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. Please note that the proceeds can only be transferred to your bank account once we receive the original copy of the following requirements: 1. Lost/Damaged Policy Affidavit with discharge of Policy Form* in replacement of the lost policy contract 2. Duly accomplished and signed Customer Information Update (CIU) form* 3. Duly accomplished and signed Beneficiary Information Form (BIF)* 4. Duly signed Signature Affirmation Form (SAF)* 5. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 6. One (1) valid government-issued ID (e.g. passport) with your picture and signature 7. Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Processing may take twenty-four (24) hours upon receipt of the documents given that the submitted requirements are complete. Once processed, we shall have to wait for the three-day bank clearing before we give you a confirmation that the amount has been successfully transferred to your account. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1. Lost/Damaged Policy Affidavit with discharge of Policy Form* in replacement of the lost policy contract 2. Duly accomplished and signed Customer Information Update (CIU) form* 3. Duly accomplished and signed Beneficiary Information Form (BIF)* 4. Duly signed Signature Affirmation Form (SAF)* 5. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 6. One (1) valid government-issued ID (e.g. passport) with your picture and signature 7. Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 8. The joint accountholder must: a. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form b. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. TRANSACT PERSONALLY – documents to be submitted does not require authentication by the Philippine Consular Office and request can be processed within twenty-four (24) hours or within the day depending on the time of your visit. Release of Cash Surrender proceeds will be through a crossed check for deposit to your bank account. The processing time will depend on the completeness of the following requirements: 1. Lost/Damaged Policy Affidavit with discharge of Policy Form* in replacement of the lost policy contract 2. Duly accomplished and signed Customer Information Update (CIU) form* 3. Duly accomplished and signed Beneficiary Information Form (BIF)* 4. Duly signed Signature Affirmation Form (SAF)* 5. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 6. One (1) valid government-issued ID (e.g. passport) with your picture and signature AUTHORIZED REPRESENTATIVE - transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). The processing time is the same with personal transaction. Release of Cash Surrender proceeds will be through a crossed check for deposit to your bank account. Likewise, please provide your representative submit the following: 1. Duly notarized Special Power of Attorney* 2. Lost/Damaged Policy Affidavit with discharge of Policy Form* in replacement of the lost policy contract 3. Duly accomplished and signed Customer Information Update (CIU) form* 4. Duly accomplished and signed Beneficiary Information Form (BIF)* 5. Duly signed Signature Affirmation Form (SAF)* 6. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 7. One (1) valid government-issued ID (e.g. passport) with your picture and signature 8. Representative’s one (1) valid photo-bearing government issued ID with signature *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ******* Magandang Araw pong muli Ms. Pancho, This refers to your concern regarding the Premium Deposit Funds (PDF) of your insurance plans under policy numbers A001808688, A001668182 and A001907609. As we have discussed with you in our phone conversation earlier today, the Premium Deposit Fund (PDF) of the policies mentioned above were automatically applied as premium payment on the exact due date. This is resulted by the availability of funds when the semi-annual and annual premiums fell due. Nonetheless, we have confirmed from our records that your latest payment made for your policies are currently in suspense. Hence, we have endorsed a request for transfer of your payments to PDF order for you to proceed with your intended transaction. We shall also provide you immediate feedback once that the amounts are successfully transferred to your PDF accounts. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******** Magandang araw pong muli Mr. Concepcion, This is to acknowledge receipt of your email. If you wish to personally claim the Maturity Benefits of your policy, release of proceeds will be through a crossed check for deposit to your bank account. The processing time will depend on the completeness of the following requirements: 1. Original Policy Contract 2. Duly accomplished and signed Customer Information Update (CIU) form* 3. Duly accomplished and signed Beneficiary Information Form (BIF)* 4. Duly signed Signature Affirmation Form (SAF)* 5. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 6. One (1) valid government-issued ID (e.g. passport) with your picture and signature You may visit our Insular Life Home Office located at 18/F, Insular Life Corporate Centre Insular Life Drive, Filinvest Corporate City Alabang, Muntinlupa City. Our business hours are from 7:00am – 5:00pm, Mondays to Fridays. Rest assured that you will be attended by any available Customer Care Assistants available upon your visit. Meanwhile, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 program and get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each tax free! To join simply visit the Policyholders Services menu of your customer portal account. You may also accomplish the attached forms and send us the scanned copy as a reply to this email. Campaign period lasts up to June 15, 2016. The list of winners will be announced online after the grand raffle draw on June 16, 2016. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***** Magandang araw Ms. Villanueva, Thank you for accepting our call earlier today. We hope we were able to clarify matters with you the details relative to policy loan. Meanwhile, as we have noted, the accumulated dividends of your policy as of today is PhP125,300.21. This amount is sufficient to cover 12 annual premiums. The system will automatically use your policy dividends if no premium payment is received after the 31-day grace period. While you may withdraw dividends or use it to cover future premiums, keeping it intact on the other hand, allows you to take advantage of the interest rate on its accumulation, currently at 4.5%.  As you may be aware, your policies earn annual dividend credit every policy anniversary date, amount of which is not guaranteed as it is based on the Company’s actual experience and on the prevailing economic conditions. Further, we have also discussed about the options if you wish to stop paying your premiums. Kindly be informed that we have endorsed a request for a computation of Non-Forfeiture Options to the right responding unit for evaluation. We shall send you another email once we receive feedback from them. Incidentally, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 program and get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each tax free! To join simply visit the Policyholders Services menu of your customer portal account. Campaign period lasts up to June 15, 2016. The list of winners will be announced online after the grand raffle draw on June 16, 2016. Should you have further concerns, please feel free to let us know. Maraming salamat po. ********** Our records show that your semi-annual premium of PhP5,300.00 due dated April 7, 2016 under policy number A002220420 using e-BAYAD. Kindly check if payment amount and details as seen in your Customer Portal account are correct. Please note that you should first update the values of your policy before you proceed with the payment. For you to view the updated policy values within your i-EAGLE Customer Portal, kindly follow these steps: 1. Go to the Policyholders Services menu and click Policy Information. 2. Click your desired policy number (on the left side) to view its details. 3. On the Policy Details screen, scroll down to the screen bottom and click “Get Updated Policy Values“ button. The policy should be updated with the information based on the current date. Once your policy values has been updated, you may now proceed with the e-BAYAD payment by following the steps below: 1. From the Policy Services Tab, click on the Policy Information link and see the Instructions on the upper left portion of the screen. 2. Check if there is an orange font for the policy to be paid, select "click here" link 3. Online Credit card options will appear and click proceed with Payment link if you choose to pay thru eBAYAD 4. A new window will pop-up. Read the Terms and Conditions carefully and click on AGREE button to continue or DISAGREE button to go back to POLICY INFORMATION page. 5. Select policy/ies to be paid and fill out the required credit card details. 6. Click on the PROCEED WITH PAYMENT button for the approval of transaction by the partner bank's payment gateway (BPI). 7. Wait for the payment transaction confirmation. 8. Your payment will be posted to your policy after two (2) to three (3) business days from the date of the approval of your transaction. We hope you will find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************ Magandang araw Ms. Villanueva, This refers to our phone conversation dated April 5, 2016 regarding the provisions of your policy. If you wish to shorten your premium-paying period, you may consider converting your insurance policy to a non-forfeiture option under the REDUCED PAID-UP (RPU) Insurance. Under this option, premiums shall no longer be paid starting on the effective date of the conversion. The earliest effective date possible is on November 25, 2016 and will still have an insurance coverage at a Sum Insured of PhP500,000.00 up to the maturity date of the policy on November 25, 2060. Please note that all riders and dividend earnings attached to this policy shall be cancelled upon conversion to non-forfeiture option. Meanwhile, you may view your Policy Owner’s Manual from the ‘Policyholder Services’ menu of your i-EAGLE Customer Portal. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Ms. Batulan, Thank you for responding to our email regarding the limited special offer that you may avail of. You will be pleased to know that you can increase your coverage up to your allowable maximum non-medical coverage by applying for a new multiple-pay plan. As a pre-qualified insured, we are assuring you of a quick evaluation of your life insurance application. Under this special offer, approval of your new policy application is almost as good as guaranteed. Please note that this is as long as you have no new declarations on current application not declared before on existing cover. Since you are about to purchase an additional coverage, this is also subject to additional cost Meanwhile, we have endorsed your concern to our Marketing and Agency Support Division for further details on how to avail this offer. You will be hearing from them soon for further discussions. Should you have further inquiries, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. *************** Magandang Araw Mr. Sapida, This refers to our phone conversation regarding your concern on the standard processing of the policy surrender transaction. We also noted that you wish to have the proceeds transferred to your account. Below are the following instructions for your mentioned option: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. For single bank account – scanned copy of the following documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. Please note that the proceeds can only be transferred to your bank account once we receive the original copy of the following requirements: 1. Lost/Damaged Policy Affidavit with discharge of Policy Form* in replacement of the lost policy contract 2. Duly accomplished and signed Customer Information Update (CIU) form* 3. Duly accomplished and signed Beneficiary Information Form (BIF)* 4. Duly signed Signature Affirmation Form (SAF)* 5. Duly signed FATCA Forms (FATCA W9, FATCA W8BEN, FATCA Requirement and DPS & FATCA forms. In case that you are not US person, kindly accomplish the DPS & FATCA form only.) 6. One (1) valid government-issued ID (e.g. passport) with your picture and signature 7. Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) Processing may take twenty-four (24) hours upon receipt of the documents given that the submitted requirements are complete. Once processed, we shall have to wait for the three-day bank clearing before we give you a confirmation that the amount has been successfully transferred to your account. Further, documents coming from abroad must be duly authenticated by the Philippine Consular Office. Below is the address and recipient: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. *Forms are also available for download from our website. Simply follow this link: http://www.insularlife.com.ph/help-faq/policyholder-services/forms/ We hope you find everything in order. Should you have any other inquiries, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. *********** Magandang araw Mr. Dolendo, First of all, we would like to apologize for our delayed feedback regarding your concern sent through i-CHAT. Kindly be informed that the premium of your Wealth Secure plan may decrease up to an annual premium of PhP10,000.00. You may coordinate with your servicing agent for the new computation of insurance and administration charges under the new premium amount. If you wish to proceed with your request, below are the documentary requirements: 1. Original Policy Contract 2. Duly accomplished Regular Pay Wealth Series Application for Increase-Decrease in Regular Premium form* 3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update Form* 5. DPS FATCA Form* 6. One (1) government-issued ID of the following: a. Insured/Owner b. Irrevocable Beneficiaries, if any c. and Representative/Agent You may submit the above mentioned requirements to your agent or at any Insular Life office near you. We hope we were able to address your concern. Should you have any further inquiries, please feel free to let us know. Maraming salamat po. ******** Magandang araw Mr. Calderon, We would like to acknowledge the receipt of your email below regarding the excess payment from the full payment of loan made on April 25, 2016. Kindly accomplish the requirements below for us to transfer the amount to your bank account. 1. Duly accomplished and signed Request to Deposit Policy Transaction Proceeds to Bank Account* (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 2. Duly signed Signature Affirmation Form (SAF)* 3. One (1) government-issued photo-bearing ID 4. Duly accomplished and signed Beneficiary Information Form (BIF)* (can be sent as an attachment 5. Update your personal information and accomplish the Compliance Forms through your i-EAGLE Customer Portal (go to ‘Policyholder Services’ and click CASHandog2016) *see attached Since you are currently abroad, the Request to Deposit form and SAF must be duly authenticated by the Philippine Consular Office in the country where you are currently residing. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ****** Magandang araw Mr. Fadullon, This is to acknowledge receipt of your accomplished documents. As noted by Ms. Alvira Barias in her email below, we will proceed with bank transfer once the compliance forms have been accomplished and validation has been completed. To accomplish the compliance forms, kindly go to Policyholders Services menu of your customer portal account and select CASHandog.2016. Once done, we shall then carry on with the evaluation and processing of your request. Should you have any other concerns, please feel free to let us know. Maraming salamat po. ******* Magandang araw Mr. Lerona, This refers to your email below As of the current date your I-Assure plan under policy number A002228884 is no longer in an 'active' status. Records shows that the policy had been paid for five (4) years before it had lapsed on March 2, 2016 when we did not receive the monthly premium due on the same date within the 31- day grace period. To enable us to place the policy back in “active status” right away, we will need you to submit the following requirements on or before March 2, 2019 ; Properly accomplished Application for Reinstatement/Policy Change form*.  Please see any of our nearest office for the form; Signature Affirmation form*; Customer Information Update * Beneficiary Information Form * DPS FATCA form One (1) government-issued photo-bearing ID;  and A tentative remittance of PhP7,542.10 to cover the February 05, 2016 to June 5, 2016 monthly premiums and Overdue Interest charges.        *Note: Forms are available at any Insular Life District Office or in our website ‘www.insularlife.com.ph’. Note: Documents accomplished and coming from abroad should be authenticated by Phil Consular Office in the country where the Insured/Owner is currently residing. The completed and authenticated documents can be sent to: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 We hope to receive the above documents soon. Should there be any concern or inquiries about the above, please feel free to let us know. Maraming salamat. ****** Magandang araw Ms. Apilleda, This is to acknowledge receipt of your email. First of all, allow us to explain the basic features of your policy. Our records show that you are insured under our I-Fund insurance plan with a Face Amount (FA) of PhP 100,000.00 effective December 16, 2005. This plan provides the following features and benefits: Insurance protection for 15 years; Premium payment for only 5 years; Guaranteed cash values which may be available for loan in case of emergency; Guaranteed Pension Benefits: 8th to 11th year = 10% of FA 12th to 14th year = 20% of FA Annual dividends as may be declared based on actual company experience; Maturity Benefit equivalent to the face amount, less any indebtedness, will be given to the insured at the end of the 15th year, December 16, 2020; and Death Benefit equivalent to the face amount, less any indebtedness, is given to beneficiaries if death occurs within the coverage period: DB = FA + DC when death occurs between policy issue date to 4th policy year DB = 2xFA + DC when death occurs between 5th to 15th year As an update your policy is in active status and premiums were fully paid as of December 16, 2010. It has no outstanding loan and has accumulated dividends of PhP15,960.09. We also noted of the Pension Benefit amounting to PhP10,000.00, which is available for claim since December 16, 2015. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of May 11, 2016, the Cash Surrender Value (CSV) of your policy is PhP125,833.86, including the accumulated dividends. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. FATCA DPS form 7. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. * Forms are available at any Insular Life District Office or in our website. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. **** Magandang araw Ms. Manapat, We would like to acknowledge receipt of your email. However, simulation with different devices show that the items needed to be filled out are correct. In this regard, kindly provide us a screenshot of the error that you encountered for us to immediately assist you. You may also accomplish the attached compliance forms for our manual updating if you wish to. We hope to hear from you soon. For further concerns, please feel free to let us know. Maraming salamat po. ***** Magandang araw Mr. Macatangay, This is to acknowledge receipt of your email. First of all, allow us to explain the basic features of your policy. Our records show that you are insured under our I-Fund insurance plan with a Face Amount (FA) of PhP 100,000.00 effective May 6, 2005. This plan provides the following features and benefits: Insurance protection for 15 years; Premium payment for only 5 years.; Guaranteed cash values which may be available for loan in case of emergency; Guaranteed Pension Benefits: 8th to 11th year = 10% of FA 12th to 14th year = 20% of FA Annual dividends as may be declared based on actual company experience; Maturity Benefit equivalent to the face amount, less any indebtedness, will be given to the insured at the end of the 15th year, May 6, 2020; and Death Benefit equivalent to the face amount, less any indebtedness, is given to beneficiaries if death occurs within the coverage period: DB = FA + DC when death occurs between policy issue date to 4th policy year DB = 2xFA + DC when death occurs between 5th to 15th year As an update your policy is in active status and premiums were fully paid as of May 6, 2010. It has no outstanding loan and no accumulated dividends. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of May 17, 2016, the Cash Surrender Value (CSV) of your policy is PhP105,547.12, including the accumulated dividends. To surrender your insurance policies, below are the needed requirements: 1. Original Policy contract 2. Duly signed Application for Policy Surrender Form* signed by:  a. Policyowner  b. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order.  c. Assignee, if the policy is assigned  If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation.  3. Duly signed Signature Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. Duly accomplished and signed Beneficiary Information Form* 6. FATCA DPS form 7. One (1) valid photo-bearing government issued ID, with signature, of the following: a. Policyowner  b. Irrevocable beneficiary/ies, if any. If you are currently abroad, the above-mentioned requirements together with a duly notarized Special Power of Attorney* must be authenticated by the Philippine Consular Office where you, the Applicant-owner and/or Irrevocable Beneficiary(ies) is/are currently residing. In case you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above: 1. Duly notarized Special Power of Attorney*. a. If Policy Owner/Irrevocable Beneficiaries is/are abroad, the document must be authenticated by the Philippine Consular Office in the country where Policy Owner/Irrevocable Beneficiary(ies) is/are residing. 2. Representative’s one (1) valid photo-bearing government issued proof of identification with signature. * Forms are available at any Insular Life District Office or in our website. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ************* Magandang araw Ms. Buyaan, You will be pleased to know that the Anticipated Endowment (AE) of PhP 49,865.00 has already been applied to your premium due dated May 17, 2016. For you to claim the remaining benefit of PhP30,135.00, you may either request for a bank transfer or personally transact over the counter through an authorized representative. Below are the following instructions for the mentioned options: BANK TRANSFER – direct deposit of the proceeds to your bank account which is subject to bank charges. A. For single bank account – scanned copy of documents can be sent as an attachment through the i-EAGLE Mailbox for immediate evaluation. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* 6) DPS FATCA form Please note that the proceeds can only be transferred to your bank account once we receive the original documents. Note: All documents coming and executed from abroad must be duly authenticated by the Philippine Consular Office in the country you are currently residing. For our evaluation purposes, you may initially send us the accomplished forms as a scanned copy in reply to this email before proceeding to the consulate for document authentication. Through this process, we can avoid errors on the forms to be submitted. The documents, once authenticated, can be submitted through postal mail to: Recipient: Ms. Lilibeth C. Co Manager Customer Care Unit Customer Experience Management Center Policyholder Services Division Address: The Insular Life Assurance Co. 18/F, Insular Life Corporate Centre Filinvest Corporate City Alabang, Muntinlupa City 1781 Philippines Tel: (+632) 582-1818 local 4413 Fax: (+632) 771-1934 B. For joint bank account – original documents are also required for submission (see above address and recipient in item A for submission purposes). Documents coming from abroad must be duly authenticated by the Philippine Consular Office. 1) Duly accomplished and signed Customer Information Update (CIU) form* 2) Duly signed Signature Affirmation Form* 3) One (1) valid government-issued ID (e.g. passport) with your picture and signature 4) Duly accomplished and signed Authorization to Deposit Policy Transaction Proceeds to Bank Account (please see instructions and needed information in the attached form and ensure correct bank information to be provided) 5) Duly accomplished and signed Beneficiary Information Form* 6) DPS FATCA form 7) The joint accountholder must: 7.1. Affix his/her signature in the Authorization to Deposit Policy Transaction Proceeds to Bank Account form 7.2. Submit his/her one (1) valid government issued photo-bearing ID with signature Note: For foreign depository bank, please submit to us a bank certificate along with the above mentioned requirements. OVER THE COUNTER / AUTHORIZED REPRESENTATIVE – transact through an authorized representative (all forms should be authenticated by the Philippine Consular Office in the country where you are currently residing). Release of AE will be through a crossed check for deposit to your bank account. 1. Duly accomplished and signed Customer Information Update form* 2. Duly signed Signature Affirmation form* 3. Your one (1) valid photo-bearing government issued ID with signature 4. Duly accomplished and signed Beneficiary Information Form* 5. DPS FATCA form If you will be represented by an authorized individual to transact in your behalf, please have the following requirements submitted in addition to the above mentioned requirements: 1. Duly notarized Special Power of Attorney 1.1. Since you are abroad, the document must be authenticated by the Philippine Consular Office in the country where you, the Policy Owner or the Irrevocable Beneficiary(ies) is/are residing. 2. One (1) valid photo-bearing government issued ID** (with signature) of the authorized representative. *Forms are available for download from the policyholders services menu of your Customer Portal account Our business hours are from 8:00am – 5:00pm, Mondays to Fridays. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ******* Magandang araw Ms. Suacillo, This is to acknowledge receipt of your email. As requested, attached are the VUL SOA for your policy number W100142875. The other SOA were sent to a separate email. Should you have any other concerns, please feel free to let us know. Maraming salamat po. Very truly yours, ************ Magandang araw Mr. Austria, This is to acknowledge receipt of your email Our records show that your quarterly premium of PhP9,069.00 due last September 16, 2014 has been left unpaid. To keep your policy in active status, the Automatic Premium Loan (APL) provision has been applied to the policy to cover the unpaid premium. The APL provision states that in case no payment of premium is paid with in the allowed 31-day grace period, the premiums shall first be paid by the dividends, if sufficient. If not sufficient, the unpaid premiums shall be taken from the Cash Value as a loan. In this regard, the amount has been taken from the Cash Values and was added to your previous outstanding loan. As an update, your policy is still active with no dividends and with an outstanding loan of PhP110,101.54. Your next quarterly premium will be due dated December 16, 2014. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office or to our Insular Life Home Office located at Insular Life Corporate Centre, Insular Life Drive, Filinvest Corporate City, Alabang, 1781 Muntinlupa City with telephone no. (02) 582-1818. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. Meanwhile, if you have an account with The Bank of the Philippine Islands, you can also use their online facility ‘www.bpiexpressonline.com’ to pay your outstanding loan. Please remember to add the characters ‘IL’ to your policy number when prompted for the ‘reference/policy/account number’ i.e. ‘ILA002070283’. Incidentally, you may view the updated values of your insurance policies within the i-EAGLE Customer Portal by following the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ********** Magandang araw Mr. Da, This refers to our chat conversation earlier today regarding your decision to withdrawal of funds under policy number W200148005. First of all, we would like to inform you that the value of fund withdrawal will depend on the date of receipt of the following requirements: 1. Original Policy Contract 2. Duly accomplished Wealth Series Application for Fund Withdrawal signed by the following: 2.1. Policy Owner 2.2. Irrevocable beneficiary/ies, if any. If beneficiaries are minors and equity of each is not more than 50k, require Affidavit of Parental Authority; if equity is over 50k, require Court Order. 2.3. Assignee, if the policy is assigned. If assignee is a corporation, require Board Resolution or Secretary's Certificate giving executing officer authority to sign on behalf of the corporation. 3. Duly signed Specimen Affirmation Form* 4. Duly accomplished and signed Customer Information Update form* 5. DPS FATCA form* 6. One (1) valid photo-bearing government issued ID, with signature, of the following: 6.1. Policyowner 6.2. Irrevocable beneficiary/ies, if any. If negotiated through a third party, require Authorization letter and two (2) valid IDs of representative in addition to the above. *Forms are attached You may visit and submit the above mentioned requirements to any Insular Life district offices near you. We hope you find everything in order. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. ***********    Hereunder are the current details of your insurance policies: If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. Further, please be informed that there will no proceeds that will be received from the transaction if you wish to surrender your policy number A002284064 .  This is on account that the policy has not yet earned its Cash Surrender Values. Also we could not refund the premium payments on the said policy since you have been under the protective coverage of the policy from the effective date up to the last due date. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming Salamat. Very truly yours, ********* Magandang araw Mr. Buena, This refers to your email below. First of all, allow us to explain the basic features of your insurance plan. Our records show that you are insured under the Insular Diamond Life plan with policy number 0002207165 issued on October 13, 1989 with a Sum Insured of PhP300,000.00.  As an update, the policy is in active status and has already been paid for twenty seven (27) years with no outstanding loan and with accumulated dividends of PhP12,195.93. It also provides the following benefits:    Premiums are payable up to age 99 and provides insurance protection until age 99 Death Benefit  equivalent to the face amount, less any outstanding loan,  that will be given to the beneficiary/ies upon death of the insured ; Maturity Benefit equivalent to the Sum Insured, less any outstanding loan,  that will be payable on the policy anniversary date after reaching the  age of 99 years  by the insured on October 13, 2060; Available Cash Values that may be loaned  against the policy in case of emergencies ;  and Annual Dividends may be declared each year. If you feel that you no longer need the protection that these policies provide and wish to surrender your policy, we would like you to know, however, that this transaction will permanently terminate your policy. This means that if you want another insurance coverage for yourself in the future, you will have to buy an entirely new insurance. There are two things that may happen if this is resorted to, as follows: 1) you will be accepted for insurance but for a higher premium because of the increase in age or a change in the insurability status, hence the extra premium; and 2) you will no longer be insurable for health reasons. As of the current date, the Cash Surrender Value (CSV) of your policy is PhP114,295.13. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Meanwhile, we would like to invite you to participate in our Isang Daan at LimangTaong (105) MagandangAraw -CASHandog.2016 campaign. Get a chance to be one of the lucky five (5) winners of Php105,000 cash each, or one of the lucky one hundred (100) winners of Php5,000 cash each, tax free!  To join simply visit the Policyholders Services menu of your customer portal account and select "Cashandog.2016".  The campaign period is from March 15 to June 15, 2016 with Grand draw on June 16, 2016. Should you have further concerns, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ********* Magandang araw Mr. Tutanes, This is to acknowledge receipt of your email. Our records show that your 20 Pay Life plan under policy number 0000984387 is already fully paid with no outstanding loan and has accumulated dividends of PhP49,130.89. Meanwhile, your Insular Diamond Life (IDL) plan under policy number A001436426 is also active and has been paid for eighteen years. It has accumulated dividends of PhP108,603.48 and no outstanding loan. Basically, IDL plan provides insurance protection for life and continuous payment of premium up to age 99. Hence, your next annual premium of PhP13,785.00 will be due on June 20, 2016. For you to view the updated information of all your insurance policies within the i-EAGLE Customer Portal, you may follow the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. You can also communicate with us in a secured manner using your i-EAGLE account through its built-in email facility, the i-EAGLE Mailbox, or use the i-CHAT to receive real-time response to any of your insurance concerns. i-CHAT is available from 7:30am to 5:00pm, Monday to Friday excluding Saturday, Sunday and holidays. For further assistance, please feel free to let us know and we shall be glad to assist you in any way we can. Maraming salamat po. ******* Magandang araw Mr. Ortigas, This is to acknowledge receipt of your email. First of all, allow us to discuss the basic features of your insurance plan under policy number 0002264366.You are insured under the Ordinary Whole Life (OWL) plan issued on September 1, 1993 with a Sum Insured of PhP200,000.00. As an update, the policy is in active status and has already been paid for twenty-three (23) years with accumulated dividend of Php 8,151.38. Basically, OWL plan provides insurance protection for life and continuous payment of premium up to age 99. Hence, your next annual premium of PhP3,608.00 will be due on September 1, 2016. Meanwhile, we have endorsed a request for Policy Transaction History (PTH) to the right responding unit for you to have an overview of what has transpired on your policy. We shall provide you immediate feedback once we have completed our evaluation. In the meantime, please bear with us. Should you have other concerns, please feel free to let us know. Maraming salamat po. ************ Magandang araw Ms. Delos Reyes, This refers to your email below. Our records show that your policy has already been fully paid, as of last February 7, 2016, with outstanding loan of PhP46,486.54. Please be informed that you may settle your outstanding loan either in full or by installment basis of any amount to any of our Insular Life district office. Further, any unpaid loan shall bear at a current interest rate of 10% per annum every anniversary date of your policy. In case you have an account with The Bank of the Philippine Islands/Metrobank/ UnionBank Philippines, you can also use their online facility (www.bpiexpressonline.com/ www.metrobank.com.ph/ www.unionbankph.com) to pay your premiums. Please remember to add the prefix ‘IL’ to your policy number when prompted for your ‘reference/policy/account number’ (i.e. ‘ILA001826283) and select merchant name Insular Life Assurance Co. Ltd. Incidentally, you may view the updated values of your insurance policies within the i-EAGLE Customer Portal by following the steps below: 1. Click Policyholders Services menu and choose Policy Information. 2. On the Policy Information page, click your desired policy number (on the left side) to view its details*. *For regular plans, scroll to the middle screen of the Policy Details page and click “Get Updated Policy Values“ button. This is available from 7:00am to 7:00pm on weekdays and 7:00am to 12:00pm on Saturdays, excluding holidays and during system maintenance. Should you have any other inquiries, please feel free to discuss it through your i-Eagle Customer Portal account via i-Eagle Mailbox or i-Chat. You can optimize the i-CHAT using either GPRS/Wi-Fi enabled mobile phones, laptops, tablets and/or personal computers. This facility is available from 7:30 AM – 5:00 PM (Philippine time), Mondays to Fridays excluding Saturdays, Sundays and Holidays. Maraming salamat po. *********** PH is a former IL employee. Since she indicated in her email that she will claim the AE tomorrow, we contacted her to confirm if she wish to receive the forms to be fill out. She noted that she has no printer. Hence, she will just fill it out tomorrow. She also informed us that she will be the one to claim the AE of her husband, we advised her to bring SPA & husband’s ID together with the forms. However, she noted that she already has usual transactions with MMCare (c/o Sir Dhic & Ma’am Beth) without the need for SPA. We then told her that, if it is the case, we will just let Sir Dhic & Ma’am Beth know that she will visit tomorrow for AE claim. We shall also note to Sir Dhic that she is requesting for the 2015 annual report.