Dear Lejani Sunga,

Take that first step to financial independence through

LONGEVITY, the life insurance plan that assures you maximum protection against the unexpected.

Avail of this plan and enjoy the following benefits:

LIFETIME INSURANCE PROTECTION of 60,000.00 that is GUARANTEED TO INCREASE to 120,000.00 on the first policy year!

LIFETIME COVERAGE INCREASES of 18,000.00 every three years at NO EXTRA COST to hedge against inflation!
LIFETIME GUARANTEED CASH BENEFIT of 9,000.00 payable at the end of the 10th policy year and every three years thereafter.
LIFETIME GUARANTEED CASH BENEFIT DOUBLES in case of disability when extra income is needed.
DIVIDEND EARNINGS that you can use to increase your protection benefit or to boost your guaranteed cash benefits!

Plus, you can be entitled to the following benefits:

Additional coverage in case of accidental death & disablement (A&H)
Waiver of premium and annual disability income during the payment period in case of Insureds total &

permanent disability (WP+)

Reimbursement of actual accident-related expenses up to a maximum amount (MR)

Hospital income subject to a specified amount (MG Part/s I/II/III/IV)

For this entire package, the premiums payable for a GUARANTEED PERIOD of 10 years only amount to:
PLAN/RIDERS
LONGEVITY

COVERAGE/BENEFIT

ANNUAL PREMIUM

60,000.00

16,002.00

120,000.00
10,000.00

379.20
200.42

Waiver of Premium Plus (WP+)

840.00

Mediguard (MGR)
Daily Hospital Income (DHI)

1,000.00

Limited Pay Accident and Health (LPA&H)

With Medical Reimbursement (MR)

2,424.50

Other payment modes also available!

PAYMENT MODE

10 year-PAY PREMIUM*

Annual

19,846.12

Semi-Annual

10,716.90

Quarterly

5,755.37

Monthly**

1,984.61

Sincerely yours,
Erwin Dela Cruz of Antonio Associates
* If Guardian 1 is attached, please see next page for renewal.
**Available only through automatic premium payment enrollment of qualified bank account or credit card for payment of premiums due Philamlife.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 1 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY

1
2

3
4

End of
Year

Attained
Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

Guaranteed
Cash
Value

Bonus
Coverage1

0.00
4,800.00
21,480.00
30,960.00
41,040.00
51,360.00
62,640.00
74,640.00
86,880.00
91,320.00
96,840.00
102,120.00
99,240.00
105,120.00
110,880.00

0.00
1,920.00
8,592.00
12,384.00
16,416.00
20,544.00
25,056.00
29,856.00
34,752.00
40,128.00
38,736.00
40,848.00
43,296.00
42,048.00
44,352.00

Guaranteed
Protection
Benefit2
C
120,000.00
120,000.00
120,000.00
138,000.00
138,000.00
138,000.00
156,000.00
156,000.00
156,000.00
174,000.00
174,000.00
174,000.00
192,000.00
192,000.00
192,000.00

4% Dividend Accumulation Rate

Guaranteed
Cash Benefits

Accumulated
Dividends

0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9,000.00
0.00
0.00
9,000.00
0.00
0.00

231.60
730.46
1,522.88
2,638.60
4,107.34
5,716.44
7,476.29
9,396.54
11,490.81
13,770.84
16,216.47
18,833.13
21,628.86
24,610.81
27,786.44

Total
Living
Benefits3
A+D+E
231.60
5,530.46
23,002.88
33,598.60
45,147.34
57,076.44
70,116.29
84,036.54
98,370.81
114,090.84
113,056.47
120,953.13
129,868.86
129,730.81
138,666.44

Total
Protection
Benefits4
B+C+E
120,000.00
122,151.60
129,322.46
151,906.88
157,054.60
162,651.34
186,772.44
193,332.29
200,148.54
225,618.81
226,506.84
231,064.47
254,129.13
255,676.86
260,962.81

7% Dividend Accumulation Rate (Current)

Accumulated
Dividends
F
231.60
737.41
1,552.23
2,715.69
4,268.99
6,012.61
7,964.70
10,143.43
12,571.87
15,272.30
18,236.16
21,480.69
25,026.74
28,895.41
33,109.29

Total
Living
Benefits3
A+D+F
231.60
5,537.41
23,032.23
33,675.69
45,308.99
57,372.61
70,604.70
84,783.43
99,451.87
115,592.30
115,076.16
123,600.69
133,266.74
134,015.41
143,989.29

Total
Protection
Benefits4
B+C+F
120,000.00
122,151.60
129,329.41
151,936.23
157,131.69
162,812.99
187,068.61
193,820.70
200,895.43
226,699.87
228,008.30
233,084.16
256,776.69
259,074.74
265,247.41

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Guaranteed Cash Benefit (if any), Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage and the ROP+ benefit (if any) payable to the beneficiaries upon the death of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:
(i)
(ii)
(iii)
(iv)
(v)

The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
The above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
The projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
As illustrated in the above, you can leave the amount of projected dividends to accumulate with the Company at an interest rate which will change from time to time. The interest rates used to illustrate the effect of accumulation in the above are 4% and
7% p.a. These rates are not guaranteed. You can also cash all or part of the amount of projected dividends without affecting the Sum Insured but the values shown in the table will be reduced accordingly.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 2 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY

1
2

3
4

End of
Year

Attained
Age

16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61

Guaranteed
Cash
Value
A
108,480.00
114,720.00
120,960.00
118,920.00
125,760.00
132,480.00
131,040.00
138,240.00
145,560.00
144,480.00
152,280.00
159,960.00
159,480.00
167,760.00
176,040.00

Bonus
Coverage1
B
46,992.00
45,888.00
48,384.00
51,168.00
50,304.00
52,992.00
56,016.00
55,296.00
58,224.00
61,392.00
60,912.00
63,984.00
67,392.00
67,104.00
70,416.00

Guaranteed
Protection
Benefit2
C
210,000.00
210,000.00
210,000.00
228,000.00
228,000.00
228,000.00
246,000.00
246,000.00
246,000.00
264,000.00
264,000.00
264,000.00
282,000.00
282,000.00
282,000.00

4% Dividend Accumulation Rate

Guaranteed
Cash Benefits
D
9,000.00
0.00
0.00
9,000.00
0.00
0.00
9,000.00
0.00
0.00
9,000.00
0.00
0.00
9,000.00
0.00
0.00

Accumulated
Dividends
E
31,162.30
34,747.59
38,550.70
42,580.32
46,844.34
51,353.31
56,117.04
61,145.72
66,448.75
72,038.30
77,925.84
84,123.27
90,641.80
97,495.47
104,697.69

Total
Living
Benefits3
A+D+E
148,642.30
149,467.59
159,510.70
170,500.32
172,604.34
183,833.31
196,157.04
199,385.72
212,008.75
225,518.30
230,205.84
244,083.27
259,121.80
265,255.47
280,737.69

Total
Protection
Benefits4
B+C+E
284,778.44
287,050.30
293,131.59
317,718.70
320,884.32
327,836.34
353,369.31
357,413.04
365,369.72
391,840.75
396,950.30
405,909.84
433,515.27
439,745.80
449,911.47

7% Dividend Accumulation Rate (Current)

Accumulated
Dividends
F
37,691.34
42,668.53
48,068.53
53,920.92
60,256.19
67,109.32
74,516.57
82,516.73
91,150.11
100,462.21
110,500.57
121,316.01
132,961.73
145,497.05
158,984.24

Total
Living
Benefits3
A+D+F
155,171.34
157,388.53
169,028.53
181,840.92
186,016.19
199,589.32
214,556.57
220,756.73
236,710.11
253,942.21
262,780.57
281,276.01
301,441.73
313,257.05
335,024.24

Total
Protection
Benefits4
B+C+F
290,101.29
293,579.34
301,052.53
327,236.53
332,224.92
341,248.19
369,125.32
375,812.57
386,740.73
416,542.11
425,374.21
438,484.57
470,708.01
482,065.73
497,913.05

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Guaranteed Cash Benefit (if any), Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage and the ROP+ benefit (if any) payable to the beneficiaries upon the death of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:
(i)
(ii)
(iii)
(iv)
(v)

The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
The above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
The projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
As illustrated in the above, you can leave the amount of projected dividends to accumulate with the Company at an interest rate which will change from time to time. The interest rates used to illustrate the effect of accumulation in the above are 4% and
7% p.a. These rates are not guaranteed. You can also cash all or part of the amount of projected dividends without affecting the Sum Insured but the values shown in the table will be reduced accordingly.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 3 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY

1
2

3
4

End of
Year

Attained
Age

31
32
33
34

62
63
64
65

Guaranteed
Cash
Value
A
175,800.00
184,560.00
193,320.00
193,560.00

Bonus
Coverage1

Guaranteed
Protection
Benefit2

B
73,920.00
73,824.00
77,328.00
81,024.00

4% Dividend Accumulation Rate

Guaranteed
Cash Benefits

C
300,000.00
300,000.00
300,000.00
318,000.00

D
9,000.00
0.00
0.00
9,000.00

Accumulated
Dividends
E
112,262.40
120,202.89
128,535.41
137,275.63

Total
Living
Benefits3
A+D+E
297,062.40
304,762.89
321,855.41
339,835.63

Total
Protection
Benefits4
B+C+E
478,617.69
486,086.40
497,530.89
527,559.41

7% Dividend Accumulation Rate (Current)

Accumulated
Dividends
F
173,489.94
189,084.24
205,844.53
223,852.45

Total
Living
Benefits3
A+D+F
358,289.94
373,644.24
399,164.53
426,412.45

Total
Protection
Benefits4
B+C+F
532,904.24
547,313.94
566,412.24
604,868.53

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Guaranteed Cash Benefit (if any), Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage and the ROP+ benefit (if any) payable to the beneficiaries upon the death of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:

(i)
(ii)
(iii)
(iv)
(v)

The above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
The above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
The projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
As illustrated in the above, you can leave the amount of projected dividends to accumulate with the Company at an interest rate which will change from time to time. The interest rates used to illustrate the effect of accumulation in the above are 4% and
7% p.a. These rates are not guaranteed. You can also cash all or part of the amount of projected dividends without affecting the Sum Insured but the values shown in the table will be reduced accordingly.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
DECLARATION
I confirm having read and understood the information contained in this summary of illustrated benefits.
Applicant's Name:

Signature:

Date:
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 4 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY
PERSONALIZED PROPOSAL: Accumulate All Guaranteed Cash Benefits and Dividends
End of
Year

Attained
Age

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15

32
33
34
35
36
37
38
39
40
41
42
43
44
45
46

1
2

3
4

Guaranteed
Cash Value

Bonus
Coverage1

0.00
4,800.00
21,480.00
30,960.00
41,040.00
51,360.00
62,640.00
74,640.00
86,880.00
91,320.00
96,840.00
102,120.00
99,240.00
105,120.00
110,880.00

0.00
1,920.00
8,592.00
12,384.00
16,416.00
20,544.00
25,056.00
29,856.00
34,752.00
40,128.00
38,736.00
40,848.00
43,296.00
42,048.00
44,352.00

Guaranteed
Protection
Benefit2

Accumulated
Dividends at
7%

C
120,000.00
120,000.00
120,000.00
138,000.00
138,000.00
138,000.00
156,000.00
156,000.00
156,000.00
174,000.00
174,000.00
174,000.00
192,000.00
192,000.00
192,000.00

D
231.60
737.41
1,552.23
2,715.69
4,268.99
6,012.61
7,964.70
10,143.43
12,571.87
15,272.30
18,236.16
21,480.69
25,026.74
28,895.41
33,109.29

4% Cash Benefit Accumulation Rate

Accumulated
Guaranteed
Cash Benefits
E
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9,000.00
9,360.00
9,734.40
19,123.78
19,888.73
20,684.28

Total Living
Benefits3
A+D+E
231.60
5,537.41
23,032.23
33,675.69
45,308.99
57,372.61
70,604.70
84,783.43
99,451.87
115,592.30
124,436.16
133,335.09
143,390.52
153,904.14
164,673.57

Total Protection
Benefits4
B+C+D+E
120,000.00
122,151.60
129,329.41
151,936.23
157,131.69
162,812.99
187,068.61
193,820.70
200,895.43
226,699.87
237,008.30
242,444.16
266,511.09
278,198.52
285,136.14

6% Cash Benefit Accumulation Rate (Current)

Accumulated
Guaranteed
Cash Benefits
F
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
9,000.00
9,540.00
10,112.40
19,719.14
20,902.29
22,156.43

Total Living
Benefits3

Total Protection
Benefits4

A+D+F
231.60
5,537.41
23,032.23
33,675.69
45,308.99
57,372.61
70,604.70
84,783.43
99,451.87
115,592.30
124,616.16
133,713.09
143,985.88
154,917.70
166,145.72

B+C+D+F
120,000.00
122,151.60
129,329.41
151,936.23
157,131.69
162,812.99
187,068.61
193,820.70
200,895.43
226,699.87
237,008.30
242,624.16
266,889.09
278,793.88
286,149.70

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Accumulated Guaranteed Cash Benefits as of the current year, Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage, Accumulated Guaranteed Cash Benefits as of the previous year and the ROP+ benefit (if any) payable to the beneficiaries upon the death
of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:

(i)
(ii)
(iii)
(iv)
(v)

The
The
The
The
The

above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
interest rates used to illustrate the effect of accumulation in the above are 4% and 6% p.a. These rates are not guaranteed.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 5 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY
PERSONALIZED PROPOSAL: Accumulate All Guaranteed Cash Benefits and Dividends
End of
Year

Attained
Age

16
17
18
19
20
21
22
23
24
25
26
27
28
29
30

47
48
49
50
51
52
53
54
55
56
57
58
59
60
61

1
2

3
4

Guaranteed
Cash Value
A
108,480.00
114,720.00
120,960.00
118,920.00
125,760.00
132,480.00
131,040.00
138,240.00
145,560.00
144,480.00
152,280.00
159,960.00
159,480.00
167,760.00
176,040.00

Bonus
Coverage1
B
46,992.00
45,888.00
48,384.00
51,168.00
50,304.00
52,992.00
56,016.00
55,296.00
58,224.00
61,392.00
60,912.00
63,984.00
67,392.00
67,104.00
70,416.00

Guaranteed
Protection
Benefit2

Accumulated
Dividends at
7%

C
210,000.00
210,000.00
210,000.00
228,000.00
228,000.00
228,000.00
246,000.00
246,000.00
246,000.00
264,000.00
264,000.00
264,000.00
282,000.00
282,000.00
282,000.00

D
37,691.34
42,668.53
48,068.53
53,920.92
60,256.19
67,109.32
74,516.57
82,516.73
91,150.11
100,462.21
110,500.57
121,316.01
132,961.73
145,497.05
158,984.24

4% Cash Benefit Accumulation Rate

Accumulated
Guaranteed
Cash Benefits
E
30,511.65
31,732.11
33,001.40
43,321.45
45,054.31
46,856.48
57,730.74
60,039.97
62,441.57
73,939.23
76,896.80
79,972.68
92,171.58
95,858.45
99,692.78

Total Living
Benefits3
A+D+E
176,682.99
189,120.64
202,029.93
216,162.37
231,070.50
246,445.80
263,287.31
280,796.70
299,151.68
318,881.44
339,677.37
361,248.69
384,613.31
409,115.50
434,717.02

Total Protection
Benefits4
B+C+D+E
310,785.57
324,090.99
332,784.64
360,237.93
375,546.37
386,302.50
415,981.80
433,543.31
446,780.70
478,983.68
499,313.44
515,381.37
550,680.69
574,237.31
593,771.50

6% Cash Benefit Accumulation Rate (Current)

Accumulated
Guaranteed
Cash Benefits
F
32,485.82
34,434.97
36,501.06
47,691.13
50,552.59
53,585.75
65,800.89
69,748.95
73,933.89
87,369.92
92,612.11
98,168.84
113,058.97
119,842.51
127,033.06

Total Living
Benefits3

Total Protection
Benefits4

A+D+F
178,657.16
191,823.50
205,529.59
220,532.05
236,568.78
253,175.07
271,357.46
290,505.68
310,644.00
332,312.13
355,392.68
379,444.85
405,500.70
433,099.56
462,057.30

B+C+D+F
312,257.72
326,065.16
335,487.50
363,737.59
379,916.05
391,800.78
422,711.07
441,613.46
456,489.68
490,476.00
512,744.13
531,096.68
568,876.85
595,124.70
617,755.56

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Accumulated Guaranteed Cash Benefits as of the current year, Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage, Accumulated Guaranteed Cash Benefits as of the previous year and the ROP+ benefit (if any) payable to the beneficiaries upon the death
of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:

(i)
(ii)
(iii)
(iv)
(v)

The
The
The
The
The

above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
interest rates used to illustrate the effect of accumulation in the above are 4% and 6% p.a. These rates are not guaranteed.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 6 of 7
Release 14.0 / 05-JAN-2009

LONGEVITY
PERSONALIZED PROPOSAL: Accumulate All Guaranteed Cash Benefits and Dividends
End of
Year

Attained
Age

31
32
33
34

62
63
64
65

1
2

3
4

Guaranteed
Cash Value
A
175,800.00
184,560.00
193,320.00
193,560.00

Bonus
Coverage1
B
73,920.00
73,824.00
77,328.00
81,024.00

Guaranteed
Protection
Benefit2

Accumulated
Dividends at
7%

C
300,000.00
300,000.00
300,000.00
318,000.00

D
173,489.94
189,084.24
205,844.53
223,852.45

4% Cash Benefit Accumulation Rate

Accumulated
Guaranteed
Cash Benefits
E
112,680.50
117,187.72
121,875.22
135,750.23

Total Living
Benefits3
A+D+E
461,970.44
490,831.96
521,039.75
553,162.68

Total Protection
Benefits4
B+C+D+E
632,597.02
659,994.44
683,599.96
726,743.75

6% Cash Benefit Accumulation Rate (Current)

Accumulated
Guaranteed
Cash Benefits
F
143,655.04
152,274.35
161,410.81
180,095.46

Total Living
Benefits3

Total Protection
Benefits4

A+D+F
492,944.98
525,918.59
560,575.34
597,507.91

B+C+D+F
659,937.30
690,968.98
718,686.59
766,279.34

Bonus Coverage is also known as Special Term Coverage which is an additional free insurance coverage equal to 40% of the cash value with a maximum of P300,000 assuming that no loan exists 12 months preceding the death of the Insured.
The Guaranteed Protection Benefit shall be the doubled Face Amount plus any coverage increases or the total amount of premiums paid to date whichever is higher. In the event of the insureds death prior to his or her attaining the age of 4 years and 6
months, the amount payable shall be adjusted to the amount illustrated.
Total Living Benefit is composed of the Guaranteed Cash Value, Accumulated Guaranteed Cash Benefits as of the current year, Accumulated Dividends and the ROP+ benefit on the 20 th year if the ROP+ rider is attached.
Total Protection Benefit includes the Basic Coverage, Accumulated Dividends as of the previous year, the Bonus Coverage, Accumulated Guaranteed Cash Benefits as of the previous year and the ROP+ benefit (if any) payable to the beneficiaries upon the death
of the Insured.
Dividends and interest earnings quoted are neither estimates nor guarantees; they are illustrations according to the scale of dividends and interest rate of 7% currently in effect. Future dividends and interest earnings will depend on future company experience.

The rates of return shown here are for illustration purposes. The actual return may differ.
Notes:
(i)
(ii)
(iii)
(iv)
(v)

The
The
The
The
The

above is only a summary illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or, if appropriate, a more detailed proposal.
above illustration relates only to your Basic Plan excluding any riders and assumes that all premiums are paid in full when due.
amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.
projected dividend values included in the above are based on the Companys current dividend scales and are not guaranteed. The actual dividends paid may change with the values being higher or lower than those illustrated.
interest rates used to illustrate the effect of accumulation in the above are 4% and 6% p.a. These rates are not guaranteed.

IMPORTANT NOTICE
This material is for the purpose of illustration only. The complete terms and conditions of the insurance coverage are found in the policy contract, which the applicant may examine before he files an application. In the event of conflict between this material and the
policy, the policy shall prevail.
DECLARATION
I confirm having read and understood the information contained in this summary of illustrated benefits.
Applicant's Name:

Signature:

Date:
www.ephilam.com
AIG Restricted

DATE:19/5/2011
31-Female-0.00/STD
Page 7 of 7
Release 14.0 / 05-JAN-2009