MOST-18 Life Insurance

M.O.S.T. stands for Multiple Option Super Term is an 18-term Life Insurance product with Premium Deposit Fund (PDF)

It’s a product by Manila Bankers Life Insurance Corporation, launched in partnership with IMG to provide Filipino families with an affordable term life insurance with Zero-risk savings and an investment component.

M.O.S.T. 18 allows a family to have MAXIMUM LIFE INSURANCE COVERAGE at a MINIMAL COST.

How Affordable is M.O.S.T. 18?

For a 30-year old, the annual premium will only be P5,710 for a P1 million coverage. 

Yes, that’s right. You only have to pay P5,710 per year (not per month, not per quarter) and you’re already insured for P1 million.

What makes MBLife M.O.S.T. 18 unique is that you can choose to pay more than your annual premium. And the excess cash that you pay for can be invested in the PDF or Premium Deposit Fund to fund any of your financial goals (College Education, Retirement, Travel, etc.).

PDF is like a Mutual Fund

M.O.S.T. 18 can earn more than a savings account, and it is very liquid. You can put more money there anytime you want. And you can also withdraw your money from it any time you need it….with ZERO CHARGES

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Features of MOST Life Insurance

1 – Affordable

It’s a term life insurance, the most affordable type of life insurance in the Philippines

2 – Higher Fund Value

PDF allows higher growth of return. It has a ZERO-Negative feature. Even if the stock market drops in a particular year, the PDF will still give you a positive return for the year. 

3 – Premium Flexibility

Settle your contributions on a schedule that fits your lifestyle.

4 – Withdrawal Advantage

Withdraw anytime without penalty.

5 – Alternative Investment Flexibility

You are free to decide where to invest the difference.

6 – Early Maturity

Maturity after 5, 10, 15, 18 years

7 – Issue Age 5 to 60 yo

Insure yourself and your whole family.

8 – Address Various Financial Needs

The PDF can be used to fund your Retirement, Pension, Kid’s Education, Travel, etc.

9 – Low Chance of Lapsation

Premiums may be settled from your PDF / investment earnings.

10 – Emergency Fund Advantage

You already have savings in the first year.

11 – Level Coverage Risk

Your savings is always added to your coverage (death benefit)

12 – Convertible to Permanent Insurance

You have an option to a permanent policy.


Fill-up Proposal Form

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Agree on Generated Proposal

Agree on the Generated Proposal

Fill-up and Sign Form

Fill-up and Sign Application Form For Insurance

Review Completed Application

Review Signed and Completed Policy Proposal and Application

Choose Payment Method

BPI Bills Payment, Paypal, Credit Card, Bank Deposit/Transfer/Remittance, Bancnet

Complete Online Payment

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Underwriting Approval

within 24 business hours except for Sundays and Holidays

Receipt of Online Policy

Online Policy Management System (OPMS) via Customer Portal (email instructions will be sent immediately after approval)

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Still Confused? I can help!

If you are still confused, we can schedule a Zoom call and I can guide you through the process. No obligations, reach out to me now via Email, FB Messenger and let’s get in touch! – Rachel

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