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InLife extends Guaranteed Issue Offer for three products

by Contributor
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InLife is extending a Guaranteed Issue Offer (GIO) for three of its products, making protection accessible, simple and fast.

GIO means that insurance applications, regardless of health and lifestyle conditions, will be approved. The GIO campaign for Resilience runs until January 31, 2026, while those for Abundance and Wealth Assure Plus (WAP) will be on GIO until December 31, 2026.

GIO will be available for face amounts of up to 1 Million pesos for Resilience, and P2 Million for WAP. For Abundance, the GIO of up to 2 Million will be the basis of future payouts and will be double in case of death while the policy is in force. This was announced by Chief Product and Innovation Officer Jose Eduardo O. Ang during InLife’s recently held Sales Kick-Off at the Ayala One in Makati City.

Aside from this, InLife has simplified and streamlined the insurance application, and ensured faster application approval, making protection more immediate.

“Many Filipinos hesitate to secure financial protection because of three common concerns: they fear rejection because of health and lifestyle concerns; they don’t feel the need for protection because they are still young and healthy, and they feel there are too many steps to accomplish before one can get a life insurance plan. Through the GIO campaign and both our system and process enhancements, InLife addresses these concerns giving Filipinos confidence to apply for life and health insurance coverage,” said Ang.

Resilience is a critical illness plan that gives cash payouts and additional health benefits to help one cope with the financial impact of being diagnosed with a life-threatening disease. Abundance is an endowment plan that offers long-term protection, guaranteed payouts, and a lump sum benefit, while WAP is a life insurance plan with regular payments that help grow wealth over time. With the GIO campaign, Filipinos aged 61 to 70 years old, may now avail of WAP up to a face amount of P2 Million, with death benefit equal to five times the annual premium, provided they have no rated, postponed, or declined insurance application with InLife for the last three years.

“Through these offerings, InLife is saying, Kami ang bahala sa inyo. This is our enduring promise to help Filipinos safeguard the future of their loved ones, grow their finances, and protect their health at every stage of life. We feel this is a great way to start the new year: with a renewed commitment to secure their future,” said InLife Chief Marketing Officer Gae L. Martinez.

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CommunityFeatured

From Dreams to Reality with GLoan: A Working Student’s Journey to Becoming a Lawyer

by Contributor
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Iloilo City – For many working students, the road to higher education is filled with sacrifices, sleepless nights, and financial uncertainty. For one determined Ilongga, that journey has finally come full circle with a dream realized and the bar successfully passed.

Balancing a full-time job while studying law at Central Philippine University was no easy feat. The pressure of exams, recitations, and maintaining employment was already challenging. But perhaps the biggest hurdle of all was financial.

“I’ve been exposed to legal matters through my work, and I took up law to gain the right knowledge and prepare myself for when it’s needed,” shared Sheila Mae Gomez, who graduated in 2023 and passed the bar in 2024.

Now officially a lawyer, Atty. Sheila Mae Gomez from Iloilo looks back on her journey with gratitude. With the help of GLoan, she has fulfilled her dream to serve her community.

“I also pursued law studies to build confidence, make smarter decisions, and help others when they’re dealing with tricky legal situations. For me, becoming a lawyer isn’t just about the title—it’s a chance to stand up for justice, protect people’s rights, and make a real difference by helping others find fair solutions,” she said.

Despite having a monthly income, the cost of legal education was still a challenge for Gomez. “Every enrollment and exam season brought anxiety,” she added. “That’s when GLoan became one of my most reliable yet silent personal partner.”

“It is unfortunate that loans are often seen in a negative light,” remarked Gomez, “but I believe that borrowing, when done with purpose, can be a powerful tool and a smart investment, especially when it supports your education and personal growth.”

GLoan, a service offered by Fuse Financing Inc., the lending arm of GCash, stood out for its simplicity and transparency. With no documentary requirements, no collaterals, quick approval process, clear terms, and no hidden surprises, it provided much-needed peace of mind. “There was no drama. I didn’t have to risk my relationships by borrowing from family or friends,” she shared. “With GLoan, I immediately saw how much I would receive and what my monthly payments would be,” she expressed.

Now officially a lawyer, she looks back on the journey with gratitude, having finally earned the title “Atty.” that now precedes her name and established a law office to serve her immediate community.

“With the support of my family, friends, and GLoan, I was able to pass the bar. And even now, as I begin this new chapter, GCash continues to be part of my financial journey,” shared Gomez.

To others dreaming of pursuing further studies, her message is clear: “Don’t hesitate to invest in yourself. The road is always tough, but it’s not impossible to reach your dreams.”

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Community

InLife launches Retire Assure 2 to address career growth and changes

by Contributor
written by Contributor

New retirement solution offers Filipinos aged 48–73 structured payouts after just two years of contributions.

Largest Filipino life insurer InLife recently unveiled Retire Assure 2, a retirement solution for professionals moving to senior positions in their careers—whether within their company or a new one—who want lasting security instead of market-driven uncertainty.

Retire Assure is the country’s first true retirement plan which provides a guaranteed monthly income until age 100. It is further enhanced by cash dividends that have the potential to increase over the years to keep up with the increases in living expenses. Retire Assure 2, its 2-pay variant, is available to individuals aged 48 to 73 years old and is payable in two annual installments. The insured will start receiving a monthly income for life, after the second premium is paid. Upon death, the insured’s beneficiaries receive the higher of either 110% of premiums paid (less payouts already received) or the guaranteed cash value, whichever is greater.

“Our goal with Retire Assure 2 is to help Filipinos make the most of their career milestones by offering a stable, guaranteed path toward their future. So, whether you’re moving into a bigger role or simply rethinking your retirement planning, Retire Assure 2 can provide you with lasting security so you can enjoy the rest of your life after working so hard,” said Gae L. Martinez, InLife Chief Marketing Officer and Bancassurance Head.

Crafted to address the various aspects of retirement planning, Retire Assure 2 provides the following:

  • Guaranteed Monthly Income that is independent of market fluctuations
  • Additional monthly cash dividends with the potential to enhance monthly income and keep up with lifestyle needs
  • Guaranteed Life Insurance to help financially secure loved ones
  • Guaranteed Issuance with a simple application process and no need for medical requirements

“Retire Assure 2 isn’t just about retirement; it’s about managing life’s uncertainties and addressing some of the biggest risks people face in retirement. With Retire Assure 2, InLife lives out its promise of A Lifetime for Good, helping Filipinos build a secure future. It is designed to protect against the risk of outliving one’s savings, so one can retire without worries. With InLife, it’s never too late for a lifetime of security,” said Martinez.

To know more about InLife’ Retire Assure 2, visit https://bit.ly/RetireAssure2Pay.  

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Business

BDO launches fourth ASEAN Sustainability Bond issue

by Contributor
written by Contributor

BDO Unibank, Inc. (“BDO” or the “Bank”) is set to issue Peso-denominated Fixed-Rate Sustainability Bonds with a minimum aggregate issue size of PHP5 billion. This marks the Bank’s fourth Peso-denominated Sustainability Bond following a PHP 55.7 billion issue in July 2024, PHP63.3 billion issue in January 2024, and PHP52.7 billion issue in January 2022.

The Securities and Exchange Commission (“SEC”) has confirmed that the proposed issuance complies with the requirements set forth under the ASEAN Sustainability Bond Standards and the SEC ASEAN Sustainability Bond Circular.

The proposed issuance will have a tenor of one-and-a-half (1.5) years and a coupon rate of 5.875% per annum. The minimum investment amount is PHP500,000, with additional increments in multiples of PHP100,000 thereafter. The offer period will run from July 9 to 22, 2025, while the issue, settlement, and listing date will be on July 29, 2025.

The net proceeds of the proposed issuance will be used to finance and/or refinance eligible assets as defined in the Bank’s Sustainable Finance Framework, support the Bank’s lending activities, and diversify the Bank’s funding sources.

BDO reserves the right to amend the terms and the timing of the issuance as it deems necessary.

ING Bank N.V., Manila Branch (“ING”) is the Sole Arranger and Sustainability Coordinator of the proposed issuance, with BDO Unibank, Inc. and ING as the Selling Agents, and BDO Capital & Investment Corporation as Financial Advisor.

The Bonds are securities exempt from registration under section 9.1(e) of the Securities Regulation Code (“SRC”) and as such will not be registered under the SRC.

the foregoing is for information purposes only and does not constitute, and should not be construed as, an offer or solicitation of any offer to invest in the bonds nor an obligation on the part of bdo to issue the bonds or the arranger and selling agents to accept any offer. the above information does not purport to be complete or exhaustive. prospective investors should read the offering circular for the offer in its entirety.  the bonds will only be sold during the offer period stated above.

The Bonds are securities exempt from registration under section 9.1(e) of the Securities Regulation Code (“SRC”) and as such will not be registered under the SRC.

The foregoing is for information purposes only and does not constitute, and should not be construed as, an offer or solicitation of any offer to invest in the Bonds nor an obligation on the part of BDO to issue the Bonds or the arranger and selling agents to accept any offer. The above information does not purport to be complete or exhaustive. Prospective investors should read the offering circular for the offer in its entirety. The bonds will only be sold during the offer period stated above.

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