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Insular Life: Saving Options for Your Child’s Education


Getting your child the best education is a challenge that every parent is willing to take. As a parent, you have big dreams for your children and you know that their future depends on the quality of education they receive today. This is why, in the midst of growing financial worries, parents work doubly hard to prepare for their children’s future educational needs.

But with school expenses increasing every year, your savings may not be enough to cover college tuition fees and other expenses. Aside from regularly saving money, one can also prepare by getting profitable investments that offer better returns. Invest in companies which have made a mark and have a proven track record in the industry, like Insular Life.

Celebrating 101 years of unparalleled and continuous service to old and new generation of Filipinos, Insular Life remains to be the largest Filipino life insurance company. With its Direct Marketing plans College Provider and Sure Cash for Kids, you are assured of a secure future for your child.

College Provider is a 5-pay educational plan that provides a college cash fund for your child at age 17. It also provides a life insurance benefit for your child equivalent to the college fund until he reaches age 21. On top of this, College Provider has a built-in waiver of premium payments, wherein the policy will be considered fully paid should the parents or the payor meet an untimely death or suffers from total and permanent disability. The policy will then provide a pre-college cash allowance equivalent to 10% of the face amount until age 16 to finance for your child’s elementary and high school education.

On the other hand, Sure Cash for Kids is a 5-pay, 15-year savings and investment plan for your child that offers guaranteed yearly cash payouts and lump sum cash benefit with built-in life insurance protection. Yearly cash payouts equivalent to 10% of the maturity value will be given from the end of the 5th policy year to the end of the 14th policy year amounting to 100% of the maturity value. A lump sum cash benefit equivalent to 100% of the maturity value will also be given at the end of the 15th policy year. Your child is also covered with a life insurance protection for 15 years with the face amount increasing to 200% on the 4th policy year up to the 15th policy year.

Saving for your child’s education is a top priority, so preparing for it now can save you from possible financial troubles in the future. Address your child’s needs today. Call Insular Direct at 878-1818 local 5403 or 892-3171 or email us at idirect@insular.com.ph for more details on College Provider and Sure Cash for Kids.


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Shengkay March 11, 2012 - 3:23 pm

gusto ko yung ganito sana..pero afraid ako kasi sa dami ng nag close down na mga ganito.. .. nasayang lang yung binayad..

Jhezl Nas March 19, 2012 - 9:09 am

Hi, I’m Jhezl from the Direct Marketing Department of Insular Life. I would just like to inform everybody that Insular Life is not a pre-need company. It also has not sell and will not sell open-ended educational plans. Insular Life also has been around for more than 101 years already and is still looking far ahead to continuously deliver the service that every Filipino family is worthy of. Assured po kayo that your investments will be safe with us. 🙂

Jocelyn Glimada May 7, 2015 - 9:52 am

Inquire ko lng po sana kung paano mg apply planning pa lng po mgka babay but I really want to put the child future secure, pls would you help me give all the details and how much must the income to become a collge provider, or any option how to insured my child future
Thank you.

summerhathway March 12, 2012 - 12:38 pm

this post is so much ….

Julie Ann March 12, 2012 - 2:04 pm

I’m still single but if I would be given a chance to become a parent, I will put my kids education as number one priority. However, it’s really scary now to invest in such long term insurances and educational plans because of the instability of the economy. There are super big companies that closed down recently. Ex. Prudential Life Insurances. Who would have thought it will go bankrupt? it’s really scary.

zoan March 13, 2012 - 7:35 am

i am thinking of getting an educational plan for my kids, kasi we don’t know what the future holds dba?:) i will ask some insurance agents ng insular life what they can offer me:)

Jhezl Nas March 19, 2012 - 9:12 am

Hi Zoan! I’m Jhezl from the Direct Marketing Department of Insular Life. I’ll be more than willing to help you. Kindly provide me with your kids’ ages and I’ll send you the plan’s proposal. Please give me also your email address and your contact no. Thanks!

Lennie Jamilla November 23, 2016 - 9:37 pm

Hello Ms.Jhezl Nas,
Tanong ko lng po kung pwede pba ako magbayad para sa anak ko ng educational plan para sa college ngayong nasa grade 9 na sya?
At ito pa ms.kasi ofw ako at insured ako ng 2 yrs.sa inyo bayad ng employer ko,if after 2 yrs ba pwede ko ito i-continue at paano? Wait ko po reply nyo.
Salamat po.

michi March 18, 2012 - 6:55 pm

i’m still undecided if i will get an educational plan for my son. i’m afraid to take some risk.

Jhezl Nas March 19, 2012 - 9:17 am

Hi Michi! I understand where you’re coming from. I’m also a mom of 2 very challenging boys. Both of school-age now. But I took the risk of getting one for each of them from Insular Life – their plan is College Provider. I have finished paying already their policies for 5 years and now their policies are of big help for me in financing their tuition fees. If you need my help, I’ll be more than willing to share the benefits of their College Provider plans 🙂

LOURDES March 18, 2012 - 10:55 pm

Research first and find the best insurance plan for you and your family.

Pia March 21, 2012 - 5:04 am

I am also thinking about getting a College Plan for my son. I have yet to research more on that – the risks, advantages,and the different plans available from each insurance companies,etc. Does anyone have any recommendations or suggestions? 🙂

Hi Jhezl – Can you send me more info on the College Provider Plan please? I would like to know its cost, benefits, payment terms, etc.

Jhezl Nas March 26, 2012 - 1:45 pm

Hi Pia! Sure, may I get your email address or any contact info so we may get in touch with you? I’ll be sending you the proposal which will include the plan’s rates, payment terms and schedule of benefits. Thanks!

PINAY MOMMY April 18, 2015 - 2:06 pm

Jhezl Nas, please checkout Dhoris Bernabe’s comment. She is interested. Thanks!!

Jhezl Nas April 20, 2015 - 7:28 am

Thanks for this. Will definitely get in touch with Ms. Dhoris Bernabe. 🙂

Migisi March 23, 2012 - 8:52 pm

Your article about this saving options is very interesting and got many tips to save money for the child education.
Thanks for sharing this useful tips.

Pedro Gustine April 13, 2012 - 4:37 pm

Life insurance is the great support for us.I assume that everybody should open life insurance,When we are fall in sorrow then life insurance will give great support.
You have described very effectively. I appreciate it.Thanks

Dhoris Bernabe April 17, 2015 - 12:56 am

Can you message me thru facebook. I cant access my email. I want to get educational plan for my baby.How much would it cost which is payable in 5 years?Ang kaya ko lang to pay annually is 20k.Possible ba yun?

Jhezl Nas April 20, 2015 - 7:38 am

Thank you Ms. Rubz.

Magandang araw Ms. Dhoris, sure po, will message you in facebook. Initially, your budget of 20K per year is enough already to get a 100,000 fund for your baby as premium on that fund amount ranges between P14,062 – P18,173 for ages 0-10 years old. Thanks!

Raquel canceran March 1, 2016 - 12:47 pm

Hi Good afternoon.. Ask ko lang po kung meron pang educational plan payable for 5 yrs. I have a 7 yrs old daughter. Can you please send me the complete draft ng babayaran ko if ever?

dahlia March 17, 2016 - 1:56 pm

I bought a policy in your company when my son was 2 years old , he is now 16 years old and I have completed the payment. I am wondering what are the requirements to start claiming the face amount when he will be turning 17. My son will be graduating at age 18.

PINAY MOMMY April 2, 2016 - 2:01 am

Hello Mommy Dahlia! Sorry for the late reply. I got busy with a lot of mommy duties, graduation and all.

Anyway, I am not an Insular agent or employee. I suggest that you call or visit any of their offices near you.

Erwin Carumba October 4, 2016 - 9:26 pm

Hi! Can you give me some advice and suggestion for an educational plan for my baby. She’s 22-month old. Pls. Email me how much and any benifits. My email ad is carumba_erwin@yahoo.com


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