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Safeguard your Family’s Future with Cocolife Future Savings Platinum

Previous studies have shown that the life span of people is getting younger nowadays. You may have recently encountered news of your friend who passed away at a young age due to heart attack or too much stress or died in a freak accident.

If something happens to you, have you ever thought about the future of your family? Of course you do not want to bring along this worry even in the second life, right? This is not an exaggeration but a reality check.

Your family needs to be independent and their future must be secured, especially your children, even after you’re gone. It may be easier said than done but would it be better to start investing now for the future?

Whether it’s for replacing lost income, paying for your child’s education, saving up for your dream travel, putting up your own business or making sure your spouse get the much-needed financial security, Cocolife Future Savings Platinum can help safeguard your family’s future.

Commitment in Creating Solutions With You

Cocolife remains committed in creating solutions for each and every financials need of our fellow Filipinos. With Cocolife Future Savings Platinum, we aim to provide our clients with optimum insurance protection freeing your loved ones from financial woes in the event of a sudden loss. It ensures that they can enjoy the same lifestyle they had with you. The living benefits/cash bonuses provides you with extra funds so that you can enjoy a more fulfilling life, fund your dream travel, start a business, prepare for education expenses, establish emergency medical funds.

It’s for you and your family’s Financial Freedom, Security and Protection. It’s FSP.

Exclusively available for Mall Clients

Cocolife Future Savings Platinum is exclusively available for mall clients, with minimum coverage of P 100,000.00 payable for 10 years. It rewards client as much as 200% of life insurance coverage upon maturity should the insured survives age 100.

With Cocolife Future Savings Platinum, clients will also enjoy scheduled cash bonuses:

  • 10% of the coverage at the end of the 10th, 11th, 12th, 13th, and 14th policy years
  • 50% of the coverage at the end of the 15th policy year
  • 10% of the coverage starting at the end of the 20th policy year and every 5 years thereafter up to maximum age 99.

Policyholders may also attach the following riders to enhance their coverage:

A. Accidental Death and Dismemberment Rider

The Accidental Death and Dismemberment is a comprehensive rider providing a wide range of benefits from death to injuries caused by accidents. Accidental coverage is provided until age 65, or until termination of the policy to which the rider is attached, whichever comes first.

B. Waiver of Premium Upon Disability

This rider will pay the future premiums of the policy in the event that the insured sustains total and permanent disability. The rider doesn’t reduce or otherwise affect the amount payable in any settlement of the policy or any dividend or any non-forfeiture or loan values under the policy.

C. Payor’s Benefit Rider

  1. Payor’s Benefit Rider Due to Death of the Payor

This rider waives the future premiums due until the Child Insured attains age 25, if the Payor dies before the policy anniversary nearest his 60th birthday.

  1. Payor’s Benefit Rider Due to Death and Disability of the Payor

This rider waives the future premiums due until the Child Insured attains age 25, if the Payor, before the policy anniversary nearest his 60th birthday, dies or becomes totally disabled and has been continuously so disabled for at least six months.

Issue Age of Child Insured           :               1 to 17 years old
Coverage Period                      :       until the end of the payment period of the basic plan, or until Payor attains age 60,or until Child Insured attains age 25, whichever is soonest

D. Terminal Illness Living Benefit Rider

This rider provides emergency medical funds by advancing as much as 50% of the death benefit in case the insured contracts a terminal illness, but not exceeding Ps 500,000 per insured.

Issue Age of Insured      :               1 to 55 years old
Payment Terms             :               no premium payments required
Coverage Period           :               until Insured attains age 65 or two years prior to  the    maturity date of the plan, whichever is sooner

  • Terms of Payment

Premiums for this plan are payable for 10 years with the following Modal Factors

Modal Factor

Annual                                           1.0000
Semi-Annual                               0.5300
Quarterly                                       0.2750
Monthly                                         0.0975*

* Monthly mode is available only for credit card auto-charge arrangements

  • Issue Ages

Issue ages are based on the Insured’s age nearest birthday.  Premiums are available for ages 1 to 55.

  • Underwriting Selection

All applicants shall be underwritten on an individual basis.  The existing non-medical and medical limits shall apply depending on the age nearest birthday and the amounts of each life covered under the policy.

Note that the Death Benefit, or 200% of the Face Amount, shall be used as the underwriting basis for this plan.

  • Substandard Issues

Substandard ratings shall be assessed on each life, as the case may be. Substandard Extra Premium Rate is expressed as per 1000 of the basic plan’s face amount and as computed as follows:

Substandard Extra Premium  = Substandard Premium Rate
(Basic Plan’s Face Amount) ÷ 1000

Among the Top 50 Most Saleable Products in Life Insurance*

Cocolife Future Savings Platinum ranked third among the traditional plan in the life insurance industry, and among the top 50 most saleable life products in the Philippines.



Cocolife, the biggest Filipino-owned stock life insurance company, and the first ISO-certified Filipino life insurance company, offers a complete range of insurance and financial services. It has subsidiaries in the non-life business (UCPB General Insurance), pre-need (Cocoplans), mutual funds (Cocolife Asset Management Co., Inc.) and Security services (Ultra Security Services).

Cocolife boasts of close to four decades of experience and expertise with more than 1,500 highly-trained agents and 253 field managers, a steadily expanding network of fully computerized area and branch offices numbering 64 nationwide.

Aside from providing the most competitive life, non-life and pre-need products in the Individual Market, COCOLIFE has successfully carved a strong niche in Group Insurance and pioneered the EPDI program (Employee Payroll Deduction Insurance) for corporate accounts. It is also an accredited provider of life insurance to migrant workers. Currently, Cocolife is ranked number one in Group Life and Accident & Health, number six in Traditional Life Insurance and one of the country’s leading providers of healthcare services.

Cocolife is a prominent market leader in the industry, ranking number 5 in terms of Net Worth,  number 10 in Total Premium Income, out of 34 insurance companies in the Philippines. To date, total assets are close to P25 billion, with Premium Income over P7 billion, and a Networth of over P9 billion. These impressive results are attributed to sound management, prudent investment practices, and efficient cost control.

To learn more about the Cocolife Future Savings Platinum, please contact:

(02) 812-9015 local 114 or local 594
(02) 864-0968

Globe (+63917) 844-7704
Smart (+63998) 843-4588
Sun (+63932) 844-1731
Text: Globe (+63917) 556-2058

* Most Saleable Products for Individual Line (Actuarial Department)

Four Things Effective Shopping Cart Software Brings to Your Business

Websites are a great way to sell products and services. While companies across the world put a lot of effort into the look and feel of their digital storefronts, one important element often gets overlooked—the shopping cart.

Effective online shopping carts have the ability to enhance and elevate an online business. Besides allowing customers to easily purchase more than one item, the right shopping cart brings a few more things to the table.

Saving Money

The hallmark of any business is limiting expenses. Since the main purpose of a shopping cart is to process payments, effective ones offer low transaction fees, no monthly fees, and no setup fees. Keeping operating costs low are one important method of monitoring expenses. Basically, companies of every size need to be sure the price of doing business is worth the investment in maintaining the website.

Quick Access to Money

Once the transaction is settled and the payments are finalized, every business, real or digital, wants to get paid. Since getting paid often means waiting for credit or debit card transactions to clear other facilities, getting access to cash has to be quick and convenient. Many top quality shopping cart providers offer direct deposit of funds, which allows the company to easily keep track of cash flow and operate efficiently.

Purchasing Options

Effective shopping carts offer customers a number of different payment options. Since the branding of credit and debit cards includes several major and minor companies, those options need to account for a fairly broad spectrum of payment methods. Shopping cards that support all the major brands, like Visa and MasterCard, and some of the minor brands, like Paypal, can actually increase the number of customers that complete purchases. After all, increasing and optimizing sales are key factors in elevating profits.

Secure Transactions

Privacy and protection are two important buzz words that regularly float around the online business arena. For this reason, shopping carts that feature secure transactions are among the most popular. Customers want to be sure that payment information is protected effectively, and businesses want to make sure that the money is being properly collected and protected. Since both buyers and sellers have pretty large stake in every online transaction, shopping cards that feature top of the line security rank among the most popular and most efficient.

In the end, an online shopping cart should elevate and enhance a websites by offering friendly terms of service in regards to fees, support a number of payment options, and provide adequate digital security for customers and businesses. With companies jumping onto the Internet every single day, evaluation of the entire digital platform is a must. While designers and developers can help make sure the site looks fabulous, the shopping cart is what helps businesses do what they exist to do—get paid. Therefore, checking into all the cart providers is essential to identifying the best fit for the website and getting the business to the next level.

How to Get Started with the Hobby of Coin Collecting

(photo credit to the owner)

Coin collecting, also called numismatics, has been around for centuries, and it has been a favorite hobby of people from all walks of life. If you are looking for a hobby, this is one of the best. It is popular the world over. Here are a few basic things to know in order to get started.

Don’t try to learn everything at once
Coin collecting is a hobby that can last a lifetime, and those who have been doing it for many years are still learning. Take it step by step and learn the basics first. Over time, you will gradually build up your knowledge of the hobby, and this will increase your enjoyment of it also.

The best way to learn about coins
There are many good books and magazines to read that will help you with your new hobby, but the best source of information will be other collectors. In fact, it is other collectors that will be able to point you to the best books to read as a beginning collector. Coin collectors can also provide information that is practical and not always found in literature; this can be invaluable to a novice collector.

How to begin your collection
A novice coin collector should begin with a focus on a specific type of coin; otherwise, you are not collecting but accumulating coins. Two examples would be to collect coins from a certain period of time or from a certain country. Of course, no matter what area you choose, you can begin to narrow the area of your collection to something with even more focus. You should take your time and learn about the wide variety of coins that exist in the world, both today and in the past. Choose the coins that interest you the most. As you learn about coins, you will find that you are also learning about history and culture.

Learn how to grade and store your coins
There is a well established grading system for coins, and it is important to learn it, because the better the condition of a coin, they higher its value. Learning how best to store your coins will help preserve your collection and allow you to also enjoy it at your leisure.

You can get more information about coin collecting from a local coin dealer. Look for one in your town that has been in business for many years. One example in the Houston area is the Houston Numismatic Exchange.

Filipinos High Optimism on Pensions

If you’re not considering investing on pensions, better re-think and study its advantages. If you can save on banks, why not on retirement plans?

The majority of Filipino investors are satisfied with their government pension – but that sentiment is based on specific assumptions and a cash-dominant approach to retirement working out, according to the latest Manulife Investor Sentiment Index.*

Two-thirds of respondents said that they are confident that their government pension would be enough to meet their needs upon retirement – the highest level of all surveyed markets. In contrast, across all surveyed markets the proportion of confident investors was less than 40 percent, and as low as one-in-ten in some markets.

While such optimism seems positive, the survey shows it is based on some risky assumptions. First, investors expect their retirement income to be relatively high, at 92% of their current income – the highest estimate among all surveyed markets (Asia average 69%). Second, they expect their retirement expenses to be relatively low, at just 61 percent of their current income, at the lower end of surveyed markets (Asia average 66%). Third, nearly all (95%) said that in retirement they expect to rely on private healthcare – by contrast, in every other market only a minority expected to rely on private healthcare (Asia average 38%).

“Filipino investors have high estimates of their retirement income. Even if these turn out to be right, they may not be enough to cover their actual costs,” said Ryan Charland, CEO of Manulife Philippines. “Today, people generally expect their retirement to be active, and that means expenses will likely be much higher than what many realize. In addition, healthcare tends to cost a lot more than people expect. In Asia healthcare costs have risen about twice the rate of inflation over the past 10 years. Of course, it’s even more expensive if you go private.”

The survey highlights that Filipino investors have a high degree of reliance on their government pension, with only one in five owning an additional, private pension plan. Instead, many expect to fall back on other, less assured, largely cash-forms of income, notably savings (which they expect to make up 37% of their retirement income) and inheritance (12% of their retirement income) – in both cases the highest reliance of any surveyed markets. This cash-dominant approach to retirement is reinforced by the finding that, on receiving their pension, Philippine investors plan to deposit nearly half into the bank, the second-highest level of all markets (Asia average 35%).

“We know that Filipino investors like to hold cash and are among the most cash-heavy investors in Asia. The latest survey shows us they also plan to be Asia’s most cash-reliant investors when retired,” said Mr. Charland. “Keeping cash in the bank provides minimal returns, which may not even keep up with inflation. Their retirement optimism would have a sounder basis with a more balanced portfolio, especially given that retirement today can last 30 years or more.”

About Manulife Investor Sentiment Index in Asia

Manulife’s Investor Sentiment Index in Asia is a quarterly, proprietary survey measuring and tracking investors’ views across eight markets in the region on their attitudes towards key asset classes and related issues. The Index is calculated as a net score (% of “Very good time” and “Good time” minus % of “Bad time” and “Very bad time”) for each asset class. The overall index is calculated as an average of the index figures of asset classes. A positive number means a positive sentiment, zero means a neutral sentiment, and a negative number means negative sentiment.

The Manulife ISI is based on 500 online interviews in each market of Hong Kong, China, Taiwan, Japan, and Singapore; in Malaysia, Indonesia and the Philippines it is conducted face-to-face. Respondents are middle class to affluent investors, aged 25 years and above who are the primary decision maker of financial matters in the household and currently have investment products.

The Manulife ISI is a long-established research series in North America. The Manulife ISI has been measuring investor sentiment in Canada for the past 15 years, and extended this to its John Hancock operation in the U.S. in 2011. Asset classes taken into Manulife ISI Asia calculations are stocks/equities, real estate (primary residence and other investment properties), mutual funds/unit trusts, fixed income investment and cash.

About Manulife

Manulife is a leading Canada-based financial services group with principal operations in Asia, Canada and the United States. Clients look to Manulife for strong, reliable, trustworthy and forward-thinking solutions for their most significant financial decisions. Our international network of employees, agents and distribution partners offers financial protection and wealth management products and services to millions of clients. We also provide asset management services to institutional customers. Funds under management by Manulife and its subsidiaries were approximately C$637 billion (US$597 billion) as at June 30, 2014. We operate as John Hancock in the U.S. and as Manulife in other parts of the world.

Manulife Financial Corporation trades as ‘MFC’ on the TSX, NYSE and PSE, and under ‘945’ on the SEHK. Manulife Financial can be found on the Internet at

Disclaimer: This is a guest post/ Press Release. The site author is not responsible to any of the content above.

Sign-Up To Infolinks and Double Your Earnings For 2 Months!

If you’re a blogger and looking for an alternative advertising network to be placed on your site other than Google Adsense, here’s your good opportunity.

Infolinks is a global advertising platform which offer many ways for site owners and even advertisers to earn. Their ads units are fully customizable and invite higher engagement because of their unique positioning and the relevance provided by their smart algorithm.

Among their products are:

InText highlights keywords and every time a visitor hovers over them, a related ad appears.

InTag allows you to increase your clicks and earnings while adding valuable informational tags within your website’s content.

InFrame will display attractive banner ads in the margins of your website’s pages based on your blog category.

InSearch displays relevant ads to traffic arriving to your site from search engines while infusing another SEO layer to your site.

The more traffic on your blog is, the better earnings you will get! So why not take advantage of it?

And here’s the best catch!

St. Patrick's Day

Until April 15, 2013 only, Infolinks offer its old and new members a chance to double their earnings!

Yes, when you signed up today, your earning for May and June will be doubled! You just have to get approval, then stay active (it means their ads are on your site) for at least 60 days.

How to sign-up?

* Send an email to with this a subject line: St. Patrick’s Day 267381

* Just let them know, even in your shortest expression, that you’re interested to be a part of the network!

Have a very lucky and safe St. Patrick’s Day!

Save Money On IH Cooking

Many households would not know how much they could save on using induction cooker instead of gas ranges and other electric stoves.

A local electric company did a series of tests and comparison and these what they have learned:

On energy efficiency
With gas stoves, energy is first converted to heat and then directed to the cooking vessel with a lot of heat (about 64%) going to waste. With IH cookers, there is less heat wastage since most of the source energy (about 82%) is transferred to the cooking vessel, so food is cooked faster. And, because of this, ambient heat in the kitchen is also lessened, making it a more pleasant and enjoyable environment for cooking.

On safety
No flame, reducing the risk of burns.
No need for gas tanks, which carry the possibility of tank explosion*.
Automatically turns off when pot is removed.
* In 2010, LPG explosions ranked no. 13 cause of fire according to the Bureau of Fire Protection

On convenience
Has a timer – you can do other things while cooking without worrying about overcooking
Portable – Take it with you anywhere, just plug and use! Perfect for picnics and shabu-shabu!
Easy to clean – simply wipe the top and store

On lifestyle
Sleek, modern and neat.
Great form and function.

Not being exaggerated but after reading this study, I bought a new IH Cooker.

Make Money With BeauQuest

Whether in the Philippines or abroad, you can start your own business and earn. Especially if you’re a beauty products lover, handling business with BeauQuest is like enjoying a hobby. Do not think that establishing a business is too expensive. For only P17.00, you can begin your path to become a successful entrepreneur. No kidding.

beauquestGrab the opportunities that BeauQuest offers.They provide every individual with a new, innovative, proven and affordable do-it-yourself business, knowledge and skills to market their products and services based on global demands through Participative Entrepreneurship guided by a strong sense and corporate social responsibility that they could use to alleviate their way of life.

The company also initiates educational, environmental, and earth-friendly livelihood seminars for poverty alleviation. BeauQuest offers FREE TRAINING to your constituents with free hand-outs. However, the participants will just buy the raw materials (on voluntary basis) should they decide to start the livelihood and business venture that would ensure financial and business stability, particularly during this present economic difficulty.

And not just seminars on how to make beauty products they give, BeauQuest also have seminars on how to do make-up and other skin care tips.


Know more of their seminars and business opportunities, follow them on Facebook or contact their online store in Multiply or visit their main branch at # 21 Lazo Bldg., Annapolis St., Cubao, Quezon City, Philippines.

Planning to establish a small business? You don’t know where and how to start? Let the people behind Ka-Entrep help you. Visit and get the guidance and confidence you need to achieve success in entrepreneurship.

Start Getting Paid From Social Spark

Indeed, patience is a virtue.

After improving my blogs and gain more traffic, I finally reached the minimum amount for payout. It was my first time to earned from Social Spark after several months of being a member.Social Spark earnings

It just took 2 working days after requesting for the cash-out and I already received my compensation through Paypal.

This will definitely inspire me to give more effort on updating my blogs more frequently, creating original and quality content that will send me a lot of traffic in the future thus attracts more advertisers.

If you’re a newbie blogger or haven’t tried joining Social Spark, better start moving now. Submit your blogs now HERE and earn! Happy blogging!

Making Money Through Paid Surveys

Sometimes your email was flooded with numerous surveys. And if you are in the mood, you will answer them all, especially if the questions interests you and does not compelled you to divulge anything confidential or too personal information.

Answering surveys can be really fun and informative too. But the great news is that you can make money through paid surveys too! Yes, just by answering surveys online, you can earn money. No sweat, right?

There are a lot of paid survey sites that you can join and start getting paid. However, be careful against scammers. Remember to check the background of the site that offers paid surveys. Search first if there are reviews about that firm and weigh carefully before accomplishing anything for them. Otherwise, you will waste a lot of time and effort answering the surveys but will not be paid in the future. And the most secure way of receiving payments is through Paypal but  you may accept checks especially if the survey firm is within your locality.

Again, do not take the risk of divulging too much details about you in answering surveys , especially on financial matters. Some questions can be tricky, so read it with keen comprehension.

Twitter Virus Beware

If you’re on Twitter, have you receiving direct messages from your Twitter friends about “Someone is saying bad stuff about you” or something of that sort?

Many may have not aware of it but this is a part of viruses going around that social network and for a long time ago now. But apparently, Twitter cannot prevent it.

However, for your own online protection, if you’re seeing suspicious messages as such, DO NOT CLICK the link provided on it. Once that link is clicked, information from you will be passed around the same way and your peers will be receiving the same viruses from you.

If you’ve clicked on it, change your password immediately.

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