My Future Goals PH

Name: My Future Goals PH
Address: East Washington Drive, Legazpi, 4500, PH
Telephone: +639205575051

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My Future Goals PH

My FUTURE is created TODAY, not TOMORROW

27/08/2026

WHAT HAPPENS WHEN YOU SURRENDER YOUR POLICY?

Your policy will be terminated and you will lose the insurance protection.

Once surrendered, your policy may no longer be reinstated.

You will receive the guaranteed value of your policy plus any dividend less any policy advances with interest. Payment of this amount terminates the policy.

26/08/2026

SECURING YOUR CHILD'S BRIGHT FUTURE

Planning for a child's college education is one of the most impactful investments a parent can make.

With tuition costs continually rising, relying solely on short-term savings can sometimes fall short.

We have SUN DREAM ACHIEVER, a participating, 5-pay endowment plan with education benefits payable in 4 annual installments starting on the year chosen by the client (between 12-17 years from issue date).

25/08/2026

"The highest form of wealth is the ability to wake up every morning and say, 'I can do whatever I want today.'... The ability to do what you want, when you want, with who you want, for as long as you want, is priceless. It is the highest dividend money pays."

24/08/2026

CAN I WITHDRAW FROM MY FUND VALUE IN CASE OF EMERGENCY?

Yes, you may withdraw a partial amount from your policy fund value in case of emergency. The minimum amount to be withdrawn is P 5,000.00

CAN I SWITCH FROM ONE FUND TO ANOTHER?

You may switch from one fund to another so you can take advantage of the growth of a particular fund. You may switch for free up to four (4) times within a policy year.

If you exceed the limit, there will be a 1% charge on the amount to be switched.

23/08/2026

WHAT IS A DIVIDEND?

A Dividend is an amount of money returned to you, if you own a participating insurance policy. It results when actual mortality, investment earnings, expenses and other factors are more favorable than expected when premiums were set. Policy dividends are not guaranteed.

Only participating policies earn dividends.

22/08/2026

CAN I CHANGE MY BENEFICIARY?

Yes, you may change the death or endowment beneficiary/ies while your policy is in-force.

🔘Primary death beneficiary will receive the death benefit.

🔘Contingent death beneficiary will receive the death benefit if all primary death beneficiaries are deceased at the time the benefit becomes payable.

🔘Endowment/Maturity beneficiary will receive the endowment/maturity benefits.

If the endowment beneficiary is already deceased at the time the benefit is payable, payment will be made according to the hierarchy of beneficiaries specified in your contract.

21/08/2026

BORROWING FROM YOUR POLICY

Policy Advance is an amount borrowed for your policy's cash value at a specified interest rate.

It can be repaid anytime.

Any unpaid advance plus interest will be deducted from your insurance benefit when it becomes payable.

20/08/2026

KEEPING YOUR POLICY IN -FORCE DESPITE NONPAYMENT OF PREMIUM

Some life insurance policies accumulate cash value, which builds up over time to provide certain benefits.

In case of emergency, you may borrow the available cash value of your policy through policy advance.

This can also be used to cover unpaid premiums following your elected premium payment default option at the time of application. When none is chosen, then Paid-up Term Insurance applies.

You also have an option to pay for all unpaid premium (plus interest) by applying for reinstatement.

19/08/2026

How can you use your insurance policy as collateral security for a bank loan?

You may assign your life insurance policy contract as collateral security to your creditor ( ex. bank if you apply for a mortgage loan) by submitting the following:

✔Assignment as Collateral Security Form signed by the Policy Owner and the irrevocable beneficiary/ies, if any
✔Valid ID of the Policy Owner and the irrevocable beneficiary/ies, if any.

Maximize the advantage of having life insurance😊

18/08/2026

What is the effect of designating an irrevocable beneficiary?

The consent of irrevocable beneficiary will always be required when you exercise certain rights and privileges as the Policy Owner such as availing of a policy advance, changing beneficiaries, surrendering/amending/assigning the policy and other changes.

If your irrevocable beneficiary is a minor, he/she should be represented by his/her parents or court-appointed guardian following the provisions of the Philippine laws.

Address

East Washington Drive
Legazpi
4500

Telephone

+639205575051

Website

https://lheaadra.wixsite.com/myfuturegoalsph

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