Bring your investments to life.

Investing your hard-earned money could be a life and death situaton.
That is why Insular Life offers the Wealth Builder - an investment-linked life insurance that delivers the benefits of savings, investment and insurance protection, all in just one product

 

 
Products Features:
  • One time payment in pesos

  • Lifetime insurance protection

  • Cash benefits that you can withdraw according to your needs

  • Death benefits guaranteed not to fall below 125% of your initial premium and top-up premiums, less withdrawals made.

Above all these, you have:

FREEDOM to choose where to put your investments

FREEDOM to switch from one investment fund to another

FREEDOM to increase your investment anytime through Top-up premiums

Why invest in Wealth Builder?
¿ It has a lower mortality charge compared to other investment-linked life insurance product.  In effect, the remaining premium to be invested in your selected fund/s is higher.
¿ Its well-diversified investment portfolio includes investments in selected blue chips, government securities and corporate loans to prime corporation, enabling the fund to generate higher yileds.
¿ It enjoys tax leverage, meaning, it is not subject to :
             10%Value added tax
             20% withholding tax
             Personal Income
             TaxEstate Tax
¿ The living and death benefits of Wealth Builder are not subject to execution/garnishment.  Therefore, your investments as well as earnings are protected from creditors.
¿  Its life insurance component gurantees that the beneficiaries will receive either the minimum death benefit or the value of your investments, whichever is higher, in case of the investor's untimely demise.

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