Living a healthier, longer and better life comes easily when you know you’re protected with Philam Vitality

I was one of the Admitting Officers before at a Tertiary Hospital in Manila. Getting a room was hard then as it requires a certain deposit for every patient with different illnesses. I have witnessed and admitted every patients with diagnoses ranging from cancer to hypertension. Some of them have healthcards or health insurance to cover for their admission and medicine. But most of the time, some are paying for cash. The hardest part is some of them are unprepared for the unexpected hospitalization costs.

No one wants to get sick or hurt but most people need medical care at some point. Health insurance like Philam Life AIA Critical Protect 100 covers these costs and offers important benefits for you and your loved ones. For just p113 a day, you can be covered from minor and major illnesses.

Philam Life recently launches AIA Critical Protect 100 at Ayala Triangle, Makati. It offers comprehensive health and protection benefits from 0-100 years old, offering coverage for up to 100 minor and major illnesses including cancer, heart attack, or stroke.

The launch was attended by Philam Life Brand Ambassadors Wil Dasovich, Raymond Gutierrez and Nico Bolzico.

Data shows that the average cost of critical illness is about PHP2 million, but when it comes to actual claims made by its customers, Philam Life shared that the average in 2018 is only about PHP350,000. This leaves a big question on where the remaining balance to cover the expense will come from. 

In the 2018 Healthy Living Index Study conducted by AIA Group, Philam Life’s Hong Kong-based parent company, the survey revealed that a staggering 78% of Filipinos surveyed are expecting the government to shoulder the cost of treating critical illness. 

These numbers will mean more from the point of view of actual people who have battled critical illnesses. Regardless of what age critical illness hits, it wreaks havoc on carefully laid out plans, making the future uncertain for most people, especially those who have a history of illness in their families. This is why Philam Life is committed to create innovative products that help protect Filipinos against the uncertainties of critical illness such as the newly launched AIA Critical Protect 100. 

“Being diagnosed with cancer at such a young age was a huge scare for me. Illnesses like cancer is supposed to come when you’re old and you’ve lived life to the fullest, not when you’re just starting to have fun,” said Wil Dasovich, Philam Life Brand Ambassador. “It was such a wakeup call for me to start thinking and preparing for my future, now that I’ve been given a second lease in life.”

“Most couples our age are probably more concerned about saving up to invest in property or splurging on trips. As brand ambassadors of Philam Life, Solenn and I have become more aware of the importance of life insurance and protecting ourselves from illnesses or untoward events in the future. Investing and saving for the future are important but we’ve come to understand that protection is the most basic need that we have to address first. Living a healthier, longer and better life comes easily when you know you’re protected,” added Nico Bolzico, Philam Life Brand Ambassador.

AIA Critical Protect 100 offers comprehensive health and protection benefits from 0-100 years old, offering coverage for up to 100 minor and major illnesses including cancer, heart attack, or stroke. There’s an option to include riders which give increased coverage for gender specific cancers like ovarian or prostate, as well financial benefits during recovery period and plan protection for loved ones. Best of all, the product is powered by Philam Vitality, Philam Life’s game-changing wellness program that helps encourage the right behavior by incentivizing customers with rewards for knowing and improving their health.

“As a Philam Vitality member, I’m not just protected by life insurance; I’m also rewarded for living a healthier, longer and better life. The program can help prevent the onset of critical illness by challenging and motivating me to meet my weekly fitness target and rewards me for living healthy. This year, Philam Vitality gives stronger motivation to live better with its bigger and bolder rewards that include more instant weekly rewards such as free coffee and cinema tickets, as well as a chance to win a fitness device and a trip to El Nido, Palawan,” said Philam Life Brand Ambassador Raymond Gutierrez. 

Philam Vitality’s enhanced weekly rewards include free coffee or tea from The Coffee Bean & Tea Leaf, SM Cinema tickets, GrabCar vouchers, Globe postpaid and prepaid credits, on top of preferential discounts from program partners like Toby’s Sports, Garmin, Gold’s Gym, UFC Gym, Hi-Precision Diagnostics, Makati Medical Center, Enchanted Kingdom, Philippine Airlines, Seda Hotels and SM Cinema.

Find out more about AIA Critical Project 100 and the Philam Vitality by visiting the Philam Life website at philamlife.com, Facebook page at https://www.facebook.com/PhilamLifeAIA/, or contact them through email at philamlife@aia.com or landline at (02)528-2000.   

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Philam Life supports Financial Advisors through GENESIS Philam Life

You will learn that insurance is necessary and a lifesaver when you are unprepared for medical emergencies. I never thought about having an insurance when I was younger, as I have worked in a hospital institution, it was the least of my considerations before. But as I get older, I worry more about my family, their state of health, and contemplating of getting them an insurance while its not yet too late.

Not having an insurance leaves you and your family vulnerable. Many people have lost everything by not being properly prepared for emergencies.

The next big question is where and how financial advisors can guide clients through the array of life insurance options available to them.

Philam Life is acknowledged as one of the enduring pillars of the Philippine life insurance industry.   For nearly seven decades, Philam Life has earned the trust of customers for its financial strength, strong brand name, and its ability to deliver on its promises.

Philam Life CEO Mr. Aibee Cantos graced the event on October 20 at Green Sun Makati and embarks on a transformational recruitment and explained to the media how financial literacy helps an individual achieve one's goal in life. He explained how GENESIS by Philam Life, a modern facility for financial advisors offer an end-to-end training and development program that fast-tracks the journey of Philam Life financial advisors to becoming premier agency leaders and elite members of the global Million Dollar Round Table club.

An after party and awarding of financial advisors followed right after the presscon.

According to Philam Life CEO Mr. Aibee Cantos and the balance is not just about time, but also having a meaningful balance between achieving one’s ambition and at the same time making a positive difference to other people’s lives.

“We are able to accomplish all these because we have the capacity and resources to make our plans a reality. This superior financial strength has allowed us to make significant investments into expanding our distribution channels, growing our roster of financial advisors, and setting new industry standards and will make it possible for us to continue to create more positive changes in the years to come,’’ said Cantos.

Philam Life takes on a different approach to recruitment by doubly ensuring its new advisors will be provided with the right tools via targeted development programs.

Mr. Cantos added that their financial advisors get the support they need to be highly productive, collaborative, dynamic and tech savvy, to have a good understanding of the needs of their clients in a fun and nurturing environment.

Philam Life has PHP236.4 billion in total assets as of 31 December 2015 and has delivered timely payouts of over PHP10 billion in education benefits (2004-2015) and over PHP131 billion in insurance benefits (1950-2015), while serving close to 600,000 individual policyholders and over 2 million insured group members.

Recently, it launched its one-stop-shop office called SPARK that offers fully digital personalized services to give the best customer service experience to customers of Philam Life, BPI-Philam and PAMI. Its online Customer Portal called ePlan  is also now up to provide customers a facility to access policy details and make transactions anytime, anywhere.

In terms of product innovation, Philam Vitality is the first of its kind in the Philippines and the only full-scale wellness program that is all about getting healthy and being rewarded for making healthy choices. The company has also launched Future Scholar, the first in the market hybrid education plan that gives guaranteed benefits at the same time offers long-term growth potential to help parents maximize their savings for their children’s college education.


Philam Life’s financial advisors and agency leaders also work from the comforts of their own interactive mobile office called IMO - an app which they can use to plan their business, recruit, monitor and manage sales activity. Another innovation, IPoS, is the interactive point of sale system, first iPad-based paperless application that aids financial advisors do financial needs analysis, present product options, receive applications and pay in one sitting.

Philam Life transforms the culture of customer service experience through SPARK

“Philam Life has always been the leading innovator in the life insurance industry. Among the roster of recent innovative transformation initiatives we have introduced is GENESIS by Philam Life, a modern state-of-the-art facility supported by technological tools and development programs which paved the beginning of a culture of excellence in the financial advisor practice.” said Philam Life CEO Ariel Cantos.

The latest addition is the opening of their first flagship store in Bonifacio Global City, Taguig. SPARK by Philam Group derived its name from the light that has ignited a flame in transforming the culture of customer service experience.

“Our innovation this time focuses on giving our customers the best experience. We are transforming our customer service centers into one-stop shops to make sure we cater to their growing and differentiating needs in this fast-paced environment. What makes it different is that we have expanded our services to the entire Philam Group including agency, bancassurance and mutual fund business transactions”, Cantos added.

“This shows our commitment to make significant investments into setting new industry standards in
customer service and financial advisor practice in the country. We have the capacity to do this being the strongest life insurance company with solid foundation of consistent financial growth in key metrics that matter to our customers. ” he concluded.

SPARK by Philam Group is a state-of-the-art customer service center that offers fully digital and
personalized services. It serves as the pilot office of all the company’s flagship stores that will open soon in key cities nationwide.

SPARK makes use of technological platforms to make services faster and easier for customers amidst
the sleek interiors of a modern-day office. It showcases the company’s latest technological capabilities such as the online customer portal called e-Plan, the Agency Portal for Philam Life financial advisors; and My PAMI Investor Portal, for the company’s mutual fund customers.

The newly launched customer portal E-plan allows Philam Life clients to manage their policy details and transact, anytime and anywhere, transforming the level of customer service beyond the traditional face-to face transactions.

Philam Life’s Chief Life Operations Officer Richard Bracken said, “At Philam Life, we believe that everything should start and end with the customers. This portal has a human centric design, which means that this was designed by the customers for the customers. For example, one of our key findings revealed that 90% use mobile devices for online activities, so we have made e-Plan to be mobile optimized.”

With the help of our customers, Philam Life’s e-Plan has become the customer portal with the
most comprehensive digital platform in the market today.

To those who prefer face-to-face transactions, Spark has customer service representatives to help
customers with their inquiries and policy concerns. There are digital ambassadors who can guide them on the use of the digital platforms available in the center. In addition to that, an Advisor for the Day is present to conduct financial needs assessment to customers looking for solutions for their real life needs.

A special corner is dedicated to Philam Vitality – the first of its kind in the Philippines and the only fullscale wellness program offered by Philam Life to promote healthy living. Through Philam Vitality, members earn points, discounts, and rewards for living a healthier life.

Bracken said, “SPARK is the outcome of our extensive series of customer relationship studies that were devised to understand our customers in terms of ways to make it easier for them to do business with us. The key findings guided us in working our way to reinvent and improve the face of customer service.” 

Philam Life and BPI-Philam to give living benefits “like never before” with Philam Vitality

For the first time in the Philippines, insurance products will give living benefits “like never before” with a science-backed and global wellness programme, Philam Vitality.

Philam Life launched Philam Vitality last year, and is now also available through BPI-Philam.
Life insurance premiums with Philam Vitality can now get an upfront discount of 10-15%. This is
unprecedented in the Philippines.

Vitality is a global brand with close to 20 years of success spanning South Africa, United States,
Europe, China, Hong Kong and Australia. Now it is available, through Philam Vitality, to Filipinos who would like to go beyond traditional insurance products.

“With Philam Vitality, insurance becomes strongly relevant to our policy holders every day. It is there when they make daily choices: what to eat, how they can improve their health, what exercise to do today, what vacations to plan for, to name a few,” says Philam Life chief executive officer Axel Bromley.

Beyond protection, investment and savings, Philam Vitality pushes the bar and gives day-to-day living benefits that reward members for being healthy. It is a programme that recognizes people’s healthy behaviors worldwide.

“Our mission is to empower Filipinos to achieve financial security and prosperity. To achieve this,
health should not get in the way. People want to be healthy. However, they don’t always act on it. This programme gives amazing tools to help even the most unfit and unhealthy person to start on his
Philam Vitality journey,” continues Bromley.

Philam Vitality gives easier access to basic health check so members will watch out for their health
status, like their updated cholesterol and sugar levels. The programme has partnered with industry
leaders Makati Medical Center and Hi-Precision Diagnostics for discounts to basic and some
advanced screens. Its exclusive dental partner, Gan Advanced Osseointegration Center (GAOC),
likewise provides significant discounts for basic dental assessments.

To keep improving their health, members are given exclusive discounts to Gold’s Gym, Toby’s Sports
and renowned fitness device brands, Garmin and Polar. Smokers can also take advantage of a special
package for Smoking Cessation at the Makati Medical Center.

Each time a member takes the screens and does healthy activities, Philam Vitality Points are awarded.
The points add up to allow a member to reach a higher status for higher benefits, starting from Bronze to Silver, Gold and Platinum.

Intelligent incentives were designed to reward members for taking steps to be healthier. These
rewards come from partners like SM Cinema, Seda Hotels, Marriott and Enchanted Kingdom.
All these partner branches and establishments are located in over 180 locations all over the Philippines, giving a great chance of access to members for their benefits.

“The rewards one can get from the Philam Vitality programme are astounding. From the insurance
premium discount to all the partner benefits, a member can see that insurance is now more and more
relevant. We’re excited that Philam Vitality is now available to our BPI-Philam customers. We hope it
will encourage them to sign-up as members to take advantage of the benefits and live healthier and
happier lives,” says BPI-Philam chief executive officer Aibee Cantos.

Philam Vitality Helps People LIve Healthier Lives

Today’s fast-paced urban lifestyle has exposed many of us—from young adults to professionals alike—to many stressors that have a huge negative impact on our health. Heavy traffic on the daily commute, long work hours, a sedentary lifestyle, the proliferation of processed and fast food choices, stress-induced drinking and smoking—all these contribute to higher health risks that can affect our family’s quality of life.

Philam Life CEO Axel Bromley and CMO Jimmy Javier welcome media guests to the Philam Life Vitality launch

According to the UK-based Oxford Health Alliance, around 60% of deaths worldwide are caused by four “epidemic chronic diseases: diabetes, cardiovascular disease, chronic lung disease, and some cancers.” In order to prevent premature death and incapacity due to these diseases, we must be able to address three major risk factors: tobacco consumption, poor diet, and physical inactivity.

With these realities in mind, Philam Life, the Philippines’ premier life insurance company, has introduced Philam Vitality, the first in the market, science-backed wellness programme that rewards its members for getting healthy. As a global brand, Vitality is present in several countries with millions of members and makes use of incentives to encourage members to adopt and sustain healthy behaviors. By bringing Vitality to the Philippines through the Philam Vitality program, Philam Life pioneers giving real focus on healthy living.

Philam Life CEO Axel Bromley introduces Vitality, the first health and wellness program of its kind in the Philippines

“People normally associate life insurance with protection and savings products to prepare them for life's uncertainties. At Philam Life, we are committed to take it further by helping people live longer and healthier lives so that they could spend more time with the people who matter to them most,” shares Axel Bromley, CEO of Philam Life.  “Philam Vitality will empower more and more Filipinos with the information and the tools to know and improve their health, and to enjoy longer and fuller lives.”  

Philam Vitality comes with three simple components to help people live healthier lives:

1) Know your health. With Philam Vitality Health Review, users will be able to take an online assessment through their desktops, laptops, tablets, or smartphones, and see if their Philam Vitality Age matches their actual age.

Members can also assess their current state of health through partners such as Makati Medical Center (for check-ups and vaccinations), Hi-Precision Diagnostics (for laboratory procedures such as blood tests and X-rays), and GAOC (Gan Advanced Osseointegration Center) for dental care.

“These assessments help you find out which parts of your over-all health are on track and which areas you can improve. It’s very empowering to know your health status so that you can take control of all the facets of your life,” says Jaime Jose D. Javier, Jr., Philam Life Chief Marketing Officer.

2) Improve your health. With Philam Vitality, members can achieve better health for less, at partners such as Gold’s Gym for gym memberships; Toby’s Sports, Garmin, and Polar for fitness gear and other devices; and Makati Medical Center for smoking cessation program.
Members start with Vitality status of Bronze and move their way up to Silver, Gold, and Platinum levels as they earn points for every assessment test and activity done within the program.

“The more points you earn, the higher Vitality status you achieve, and the greater your rewards,” explains Mr. Javier. “We’ll take care of tracking your points through our integrated systems so that all you’ll need to think of is to get better and fitter each day.”

3) Enjoy the rewards. While better health is already a reward in itself, Philam Vitality offers members more opportunities to enjoy precious time with their family and loved ones, through discounts on tickets to SM Cinemas and Enchanted Kingdom, and on bookings at Marriott and Seda Hotels.

Vitality members also earn discounts on premiums of selected insurance plans. By purchasing a Philam Vitality Series insurance plan from Philam Life or BPI-Philam, members can get upfront discounts on first year premiums and continue to enjoy discounts in succeeding years by improving their health.

Philam Life CMO Jimmy Javier and CEO Axel Bromley introduce the Vitality Program, which motivates Filipinos to live better, healthier lives

“Philam Vitality is unprecedented in the Philippines. We are grateful to have our esteemed partners on board as we encourage members to take charge of their health. Ultimately, a full life should be healthy, fun, and rewarding, and we want to be part of that process.” says Mr. Bromley.

To know more on how you can live a healthier lifestyle, visit philamvitality.com, email ask@philamvitality.com, or call 528-2000.