money works for education

Philam Life confidential and proprietary information. Not for distribution.

CLICK TO EDIT TITLE - (TITLE COVER OPTION 2)

Want your hard-earned money to

work as hard as you do?

Make your money work harder with MoneyWorks.MoneyWorks is a savings and life insurance plan that allows you to achieve

your dreams faster.

SAVINGS

MONEYWORKS


What do you work hard for?

2

Provide

for

familys needs

Accumulate wealth to

purchase big ticket items

Secure a

comfortable

retirement

Start your

own

business


Where do you put your hard-earned money?

3

39.4% of Filipinos prefer to place their savings in the

bank.

38.8% of Filipinos prefer to keep their savings at home.

Source: Bangko Sentral ng Pilipinas, Consumer Finance Survey 2009

These options place

Filipinos at a

disadvantage.



4

Option 1: Keep the savings at homeWhat are the risks of keeping savings at home, and why are you at a disadvantage?

Loss (due to theft/calamity)Unlike banks that insure your deposits up to

Php500,000, your money will not be replaced

when someone steals them or if you get hit by

a calamity (e.g. flood).

Decline in Purchasing PowerYour money does not earn interest when you

just keep it at home. Over the long run, your

moneys value will decline because of inflation.

Think about the increasing prices of goods.

Years ago an item may just cost Php100, but

due to inflation, the item could cost about

Php120 already today.

1 2



5

Sources:

1. Bank rates as of June 2014

2. Philippine average inflation rate from January 2003 to March 2014, NSCB

Option 2: Deposit in the bankMoney placed in the bank should only be for immediate needs and short-term goals.

What are the risks of keeping long-term savings in the bank, and why are you at a disadvantage?

Declining Interest RatesTop banks now offer only 1.375% or

less annually in their time deposit

accounts and less than 0.25% in their

savings accounts.1 The low returns

make it longer for you to realize your

dreams.

1 Savings Rates are not at Par with Inflation RatePrices of goods are increasing by

5.0%2 while your money is only

earning less than 1.375% in banks.

You continue to lose value of your

money.

2 Asset-Liability MismatchLong-term investments normally provide returns higher than short-term

investments. While you have the option to

roll-over your bank deposits, you may not

be able to lock in your returns. Hence,

your returns will not be maximized

because of the asset-liability mismatch.

3


6

Achieving your long-term

dreams will be easier if you use

the right savings vehicles.


7

MoneyWorks is a unit-linked savings plan where benefits are linked to the

performance of your chosen investment fund. The performance of the fund

depends on prevailing market conditions.

Philam Life introduces MoneyWorks

High Long-Term Earning PotentialMoneyWorks invests your savings in Philam PAMI funds expertly managed by PAMI that earn

higher returns than bank deposits over time. This builds your plans savings or Account Value.

Life Insurance CoverageShould anything happen to you, your loved ones will get the higher of your plans Account Value or

life insurance coverage up to 25 times1 your yearly payments.

Full Control of your SavingsMoneyWorks allows you to choose your desired fund based on your risk appetite, switch funds or

change fund share depending on your investment goal. Simply choose your preferred option at the

onset of your plan or adjust them as your needs change.

Easy on the Pocket OptionsStart saving for as low as Php2,500 per month2 or in as short as 5, 7, or 10 years!3

Plus, it allows you to boost your savings anytime through top-up premium payments of as low as Php1,000.

1 For a 30- year old client with a regular pay period. Life insurance coverage depends on the age and pay period chosen. The life insurance benefit is the policys Face Amount or Account Value, whichever is higher. 2 Minimum monthly premium for regular-pay, or 10-pay with at least one rider

3 In the future, if the Account Value becomes insufficient to pay for charges, it is possible that top-ups will be required to continuously enjoy the life insurance coverage.


8

High Long-Term Earning Potential

Build your savings as you access high-performing Philam PAMI funds expertly managed by PAMI. PAMI is a leader in asset

management in the Philippines. Over the years, PAMI has received multiple recognition both from international and local

investment organizations proving its investment expertise and ability to deliver impressive fund performance. PAMI is a

wholly-owned subsidiary of Philam Life.

Over the past ten years, PAMI funds have earned 7% to 16% yearly returns1 compared to bank deposits earning just 1.375% or less2 annually.

1 10-year annualized return of PAMI Strategic Growth Fund, PAMI Philam Fund, and PAMI Philam Bond Fund from June 30, 2004 until June 30, 2014. Past performance is not indicative of future performance.

2 Interest rate of the top 3 banks as of June 2014.

PAMI Fund

Where

Investments Go

Client Profile Fit Annualized Return

PAMI Philam Bond Fund Peso fixed income

instruments

A conservative client who wishes to have higher

earnings compared to traditional savings accounts

and time deposits and can accept minimal

fluctuations in the value of his investments

7%

PAMI Philam Fund Philippine equity

securities and fixed

income instruments

A client with balanced risk appetite who desires to

attain medium to long-term capital growth and can

accept moderate fluctuations in the value of his

investments

14%

PAMI Philam Strategic

Growth Fund

Philippine equity

securities

A client comfortable with risk who seeks maximum

capital growth over the long term and can ride out

greater fluctuations in the value of his investments

16%


9

Secure your familys future with life insurance coverage of 5 to 25 times your yearly premium, your Account Value, or your Minimum Death Benefit, whichever is higher.

Life Insurance Coverage

Pay-Period

Age 5-Pay 7-Pay

10-

Pay

Reg-

Pay

0 13 13 15 25

10 13 13 15 25

20 13 13 15 25

30 13 13 13 25

40 8 8 10 19

50 5 5 8 12

60 5 5 6 8

70 5 5 5 5

Life Insurance CoverageYour life insurance coverage is your yearly

premium multiplied by the death benefit

multiple depending on your age and pay-

period.

Death Benefit Multiple Table

Account ValueYour Account Value accumulates over time depending on the

performance of your chosen fund. You can increase this by

regularly topping-up whenever you have extra cash.

1 2

Minimum Death BenefitYour minimum death benefit is equivalent to 500% of your yearly

premium plus 125% of each top-up less 125% of each withdrawal.3


10

Easy on the Pocket Options

Short Payment TermsSave for as short as 5, 7, or 10 years, or you can choose to save longer.

Top-UpsBoost your savings by adding top-ups as low as Php1,000 whenever you have

extra cash.

Pay-

Period

Minimum Premium1 (Annual) Minimum Premium1 (Monthly)

Without

Rider/s

With at least 1

Rider

Without

Rider/s

With at least 1

Rider

5-Pay Php70,000 Php50,000 Php5,838 Php4,170



Reg-Pay Php20,000 Php20,000 Php2,5002 Php2,5002

1 Figures indicated are only for basic premiums and does not include rider premiums. 2 Minimum premium for monthly payment mode.


11

See how MoneyWorks can help you achieve your dreams faster

Savings

Account

MoneyWorks

Time

Deposit

MoneyWorks

Notes:

1. Illustration for 30-year old, male, standard

2. Assumptions: 8% FGR for MoneyWorks; 1.375% interest rate for Time Deposit less 20% tax. Interest rate for Savings Account is 0.25% less 20% tax.

1.60%

Goal: Have P1 million

Option A:Save

P60,000a year for 10

years

Option B:Save

P20,000every year

52 years

14 years

48 years

22 years

MoneyWorks cuts the time in half for you to achieve your

dreams over bank deposits.


See how your money will grow over time by saving Php50,000 for 10 years in a fund that

earns an assumed fund growth rate (FGR) of 8% yearly.1

1 Benefit illustration for a 30-year old male client paying Php50,000 yearly premium for 10 year.2 The Death Benefit is the Face Amount or the Account Value, whichever is higher. 3 All values shown are for illustrative purpose only. They are not based on past performance, are not forecasts, and are not guarantee of future performance.

Legend:

Death Benefit 2

Living Benefit

Total Premiums Paid: Php500,000

Php660KPhp1.4M

Php4.5M

Php650K

Php65.9M

Php14.2M

Death

Benefit

Attained

Age

Living Benefit (in PHP)

4% FGR 8% FGR 10% FGR

End of Year 10 481K 594K 661K

End of Year 20 809K 1.4M 1.9M

At Age 65 1.4M 4.5M 7.9M

Take a look at how the benefit varies given the following fund growth rate (FGR) assumptions.3100

See how MoneyWorks can help you achieve your dreams faster


13

Accident Coverage

Critical Illness Coverage

Accident & Health Rider

Critical Illness Rider*

Customize your plan to suit your needs.

Philam Life allows you to avail of a wide range of unit-linked riders that you can attach

to your Family Provider plan, depending on what you need the most.

Get cash benefits to help you recover from accidental injury or disability and receive additional life insurance benefit for accidental loss of life. These benefits are available until you reach age 72.

Get lump-sum cash benefits to help finance recovery in case you are diagnosed with any of 56 covered

critical illnesses including heart attack, stroke and cancer. This benefit is available until you reach age

75 when you are older and in need of coverage the most.

* Please consult your financial advisor or refer to the policy contract for full details on the critical illness definitions, exclusions and limitations.

Early Stage Critical Illness Rider*

Get cash benefits in case you are diagnosed with any of 56 covered critical illnesses. Plus, if you get

diagnosed with 11 covered early stage conditions, you can also get 25% from your critical illness

coverage in advance, giving you more comprehensive coverage. This benefit is available until you

reach age 75 and can be claimed up to four times.


Be exempted from paying future premiums in case of total and permanent

disability.

Waiver of Premium Benefit

Waiver of Premium1

Waiver of Premium Plus1

Be exempted from paying future premiums in case of total and permanent

disability and receive an additional cash benefit equal to the waived

premium.

Waiver of Premium for Critical Illness2

Be exempted from paying future premiums in case of diagnosis of any of the

covered critical illnesses.

Payors Benefit for Death & Disability3

Continue the plan despite payors loss of life or disability during the premium-paying period.

1 Waives the basic premiums, special top-ups and regular top-ups in case of total and permanent disability during premium paying period prior to age 60.2 Waives the basic premiums, special top-ups and regular top-ups in case of diagnosis of any of the covered critical illness during premium paying period prior to age 65.3 Waives the basic premiums, special top-ups and regular top-ups if the Payor owner dies or becomes disabled during the Premium-paying period, Insureds attained age is 25 or the Policyowners attained age is 60, whichever comes first.

Customize your plan to suit your needs.

Philam Life allows you to avail of a wide range of unit-linked riders that you can attach

to your Family Provider plan, depending on what you need the most.

With MoneyWorks,

you will get a head start

in achieving your dreams.


Anong plano mo?

Usap tayo.

Philamlife.com facebook.com/PhilamLifeAIA youtube.com/user/PhilamLifeAIA


This client presentation material and all values shown herein are for

illustrative purposes only. They are not based on past performance, are not

forecasts and not a guarantee of future performance. Projected values are

based on the stated fund growth rate assumption, standard rating and net of

all applicable charges.

Please consult your financial advisors to know the guidelines on attachment

of riders to your plan.

Actual terms and conditions of insurance coverage are found in the Policy.

In case of conflict, Policy terms shall prevail.

July 2014

Philam Life confidential and proprietary information. Not for distribution. 18

What critical conditions are covered?

You can claim your critical illness benefit if you are diagnosed with any of the ff:

56 Major Critical Illnesses1. Heart Attack

2. Stroke

3. Cancer

4. End Stage Lung Disease

5. Kidney Failure

6. Alzheimer's Disease

7. Amyotrophic Lateral Sclerosis

8. Apallic Syndrome

9. Aplastic Anemia

10.Bacterial Meningitis

11.Benign Brain Tumor

12.Cardiomyopathy

13.Chronic Adrenal Insufficiency

(Addisons Disease)

14.Chronic Recurrent Pancreatitis

15.Coma

16.Coronary Artery Bypass Surgery

17.Dissecting Aortic Aneurysm

18.Eisenmengers Syndrome

19.Elephantiasis

20.Encephalitis

21.Fulminant Viral Hepatitis

22. Heart Valve Replacement

23. HIV due to Blood Transfusion and

Occupationally Acquired HIV

24. Liver Cirrhosis

25. Loss of Hearing

26. Loss of Independent Existence

27. Loss of Limbs

28. Loss of Sight

29. Loss of Speech

30. Major Burns

31. Major Head Trauma

32. Medullary Cystic Disease

33. Motor Neuron Disease

34. Multiple Sclerosis

35. Muscular Dystrophy

36. Myasthenia Gravis

37. Necrotizing Fasciitis

38. Paralysis

39. Parkinson's Disease

40. Poliomyelitis

41. Primary Pulmonary Arterial Hypertension

42. Progressive Bulbar Palsy

43. Progressive Muscular Atrophy

44. Progressive Supranuclear Palsy

45. Progressive/Systemic Scleroderma

46. Resection of the Whole Small Intestine

47. Severe Creutzfeldt-Jakob Disease

48. Severe Crohns Disease

49. Severe Infective Endocarditis

50. Severe Rheumatoid Arthritis

51. Severe Ulcerative Colitis

52. Surgery to Aorta

53. Systemic Lupus Erythematosus (SLE)

with Lupus Nephritis

54. Terminal Illness

55. Total and Permanent Disability

56. Vital Organ Transplant

Please consult your financial advisor or refer to the policy contract for full details on the critical illness definitions, exclusions, and limitations.


What critical conditions are covered?

For the Early Stage Critical Illness Rider, you can get 25% of your critical illness coverage

in advance when diagnosed with any of these 11 covered early stage conditions:

Please consult your financial advisor or refer to the policy contract for full details on the critical illness definitions, exclusions, and limitations.

Major Illness Category 11 Early Stage Conditions

Heart Attack 1. Less Severe Heart Disease

Stroke2. Cerebral Shunt Insertion

3. Endovascular Treatment for Cerebral Aneurysm

Cancer4. Carcinoma- in-Situ (CIS) of Covered Organs

5. Early Stage Malignancy

Kidney Failure 6. Less Severe Kidney Disease

Coronary Artery Surgery 7. Minimally Invasive Direct Coronary Artery Bypass

Heart Valve Replacement 8. Less Invasive Treatments of Heart Valve Disease

Vital Organ Transplant 9. Major Organ Transplantation (on waiting list)

Benign Brain Tumor 10. Surgical Removal of Pituitary Tumor

Liver Cirrhosis 11. Liver Surgery

Other Benefits given on top of the Early Stage Benefit

10% of the Critical Illness Coverage for Angioplasty

20% of the Critical Illness Coverage for Diabetic Complication


Where are my payments invested?

Your payments will be invested in Philam PAMI funds. PAMI is a leader in asset

management in the Philippines. Over the years, PAMI has received multiple recognition

both from international and local investment organizations proving its investment

expertise and ability to deliver impressive fund performance.

PAMI is a wholly-owned subsidiary of Philam Life.

You will have the following fund choices:

Fund Where Investments Go Client Profile Fit

PAMI Philam Bond Fund Peso fixed income instruments

A conservative client who wishes to have higher earnings compared to traditional savings accounts and time deposits and can accept minimal fluctuations in the value of his investments

PAMI Philam Fund Philippine equity securities and fixed income instruments

A client with balanced risk appetite who desires to attain medium to long-term capital growth and can accept moderate fluctuations in the value of his investments

PAMI Philam Strategic Growth Fund

Philippine equity securities

A client comfortable with risk who seeks maximum capital growth over the long term and can ride out greater fluctuations in the value of his investments


Who is Philam Life?

The Philippine American Life and General Insurance Company (Philam Life) is

the countrys premier life insurance company. Established on June 21, 1947, Philam Life offers an extensive line of products in the industry that provides

solutions to various financial needs including life protection, health insurance,

savings, education, retirement, investment, group and credit life insurance.

Philam Life is a member of AIA Group Limited, the largest independent publicly

listed pan-Asian life insurance group.


Stability and Strength

Total assets of Php 209 Billion Stockholders equity of Php 76.5 Billion Gross premiums of Php 20.1 Billion Net Investment Income of Php 12.2 Billion

Fulfilled Promises

Over Php 100 Billion*worth of benefits paid out Over Php 7.5 Billion** education benefits paid out

Filipinos Brand of Choice

Most recalled, most considered and most preferred brand in the industry among Filipinos

Based on 2013 Philam Life Audited Financial Statements

*Total benefits paid out from 1950 to 2013

**Education benefit paid out from 2004 to 2013

Who is Philam Life?

Philam Life is the countrys premier and most trusted life insurer.

money works for education

Documents

proprietary information

hardearned money

savings accounts

savings rates

longterm savings

money work

right savings vehicles

unitlinked savings plan