This is a Life Insurance Plan that provides a lump sum payment to protect your loved ones financially when you are no longer with them. This one of a kind cover offers policy holders two versions;

  • Poelo Term Assurance with returns on premiums where 120% worth of premiums are paid back to the policyholder after 15years of constant upkeep.
  • Poelo Term Assurance without returns on premiums where the sum assured is paid upon death or disability of the policy holder.


  • Pays out a lump sum on the event of death of policy holder.
  • Optional benefits include waiver of premium, capital disability, accidental death and dread disease.
  • No medical exams for policy cover up to P1 million.
  • No waiting period.

Additional Rider Benefits

  • Accidental death benefit
  • Capital disability: cover is the amount specified by policy owner subject to limitations when compared with the sum assured
  • Waiver of premium on Total and Permanent Disability
  • Waiver on disability (Own Occupation)
  • Waiver on disability (Own or Similar Occupation)
  • Dread disease benefit

A policyholder can only select either the capital disability or the waiver of premium. The above will be attached to the main product as individual rider benefits.


  • Current Account with Standard Chartered Bank.
  • Salaried with a minimum net salary of P4,000.
  • Entry Age:
    • Minimum age at entry is 21
    • Maximum age at entry is 55
    • Termination age for life cover and accidental death is 65.
    • Maximum age at entry for capital disability is 55.
    • Maximum termination age for capital disability is 70.

Sum Assured

  • No minimum or maximum sum assured on the life cover, provided that minimum premium of P200 is achieved.
  • Cover on the capital disability benefit cannot exceed P3 million.
  • Sum assured on accidental death cannot exceed the death cover

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