Name: Ma.

Goretti Jica Sotes Gula INSURANCE PACKAGE COVERAGE ANNUAL PREMIUM

Issue Age: 25 MOST 18 1,000,000 5,590.00
PDF Net Yield Rate: 12% POLICY FEE (only for initial payment) 500
Rating Class: Standard TOTAL 6,090.00
SEMI-ANNUAL PREMIUM QUARTERLY PREMIUM
ANNUAL PREMIUM
Mode: Annual ANNUAL (approx) (approx)
TOTAL FUND 7,180.00 5,590 2,907 1,509

Illustrative Yearend Projected Year End Value at

Year Age Annual Contribution Annual Premium Withdrawal PDF Cash Flow Total Benefit Upon Death
Yield 12%
1 25 12,770 6,090 6,680 802 7,482 1,007,482
2 26 36,000 5,590 30,410 4,547 42,439 1,042,439
3 27 36,000 5,590 0 30,410 8,742 81,590 1,081,590
4 28 36,000 5,590 30,410 13,440 125,440 1,125,440
5 29 36,000 5,590 100,000 -69,590 6,702 62,553 1,062,553
6 30 36,000 5,590 30,410 11,156 104,118 1,104,118
7 31 36,000 5,590 30,410 16,143 150,671 1,150,671
8 32 300,000 5,590 294,410 53,410 498,491 1,498,491
9 33 72,000 5,590 0 66,410 67,788 632,689 1,632,689
10 34 72,000 5,590 66,410 83,892 782,991 1,782,991
11 35 72,000 5,590 66,410 101,928 951,329 1,951,329
12 36 72,000 5,590 66,410 122,129 1,139,868 2,139,868
13 37 72,000 5,590 66,410 144,753 1,351,031 2,351,031
14 38 72,000 5,590 66,410 170,093 1,587,534 2,587,534
15 39 0 5,590 0 -5,590 189,833 1,771,778 2,771,778
16 40 0 5,590 0 -5,590 211,943 1,978,130 2,978,130
17 41 0 5,590 0 -5,590 236,705 2,209,245 3,209,245
18 42 0 5,590 0 -5,590 264,439 2,468,094 3,468,094

TOTAL 960,770 101,120 100,000 2,468,094 3,468,094

Illustrative Yearend Projected Year End Value at

Year Age Annual Contribution Annual Premium Withdrawal PDF Cash Flow Total Benefit Upon Death
Yield 12%
19 43 11,050 2,457,044 294,845 2,751,889 3,751,889
20 44 11,050 -11,050 328,901 3,069,740 4,069,740
21 45 11,050 -11,050 367,043 3,425,732 4,425,732
22 46 11,050 -11,050 409,762 3,824,444 4,824,444
23 47 11,050 -11,050 457,607 4,271,002 5,271,002
24 48 11,050 -11,050 511,194 4,771,146 5,771,146
25 49 11,050 -11,050 571,212 5,331,307 6,331,307
26 50 11,050 -11,050 638,431 5,958,688 6,958,688
27 51 11,050 -11,050 713,717 6,661,355 7,661,355
28 52 11,050 -11,050 798,037 7,448,341 8,448,341
29 53 11,050 -11,050 892,475 8,329,766 9,329,766
30 54 11,050 -11,050 998,246 9,316,962 10,316,962
31 55 11,050 -11,050 1,116,709 10,422,622 11,422,622
32 56 11,050 -11,050 1,249,389 11,660,960 12,660,960
33 57 11,050 -11,050 1,397,989 13,047,900 14,047,900
34 58 11,050 -11,050 1,564,422 14,601,272 15,601,272
35 59 11,050 -11,050 1,750,827 16,341,048 17,341,048
36 60 11,050 -11,050 1,959,600 18,289,598 19,289,598

TOTAL 0 198,900 0 18,289,598 19,289,598

Illustrative Yearend Projected Year End Value at

Year Age Annual Contribution Annual Premium Withdrawal PDF Cash Flow Total Benefit Upon Death
Yield 12%
37 N/A N/A 0 0 0 0
38 N/A N/A 0 0 0 0
39 N/A N/A 0 0 0 0
40 N/A N/A 0 0 0 0
41 N/A N/A 0 0 0 0
42 N/A N/A 1,600,000 0 0 0 0
43 N/A N/A 600,000 0 0 0 0
44 N/A N/A 600,000 0 0 0 0
45 N/A N/A 600,000 0 0 0 0
46 N/A N/A 600,000 0 0 0 0
47 N/A N/A 600,000 0 0 0 0
48 N/A N/A 600,000 0 0 0 0
49 N/A N/A 600,000 0 0 0 0
50 N/A N/A 600,000 0 0 0 0
51 N/A N/A 600,000 0 0 0 0
52 N/A N/A 600,000 0 0 0 0
53 N/A N/A 600,000 0 0 0 0
54 N/A N/A 600,000 0 0 0 0
TOTAL 0 0 8,800,000 0 0

Illustrative Yearend Projected Year End Value at

Year Age Annual Contribution Annual Premium Withdrawal PDF Cash Flow Total Benefit Upon Death
Yield 12%
55 N/A N/A 0 0 0 0
56 N/A N/A 0 0 0 0
57 N/A N/A 0 0 0 0
 58 N/A N/A 0 0 0 0
59 N/A N/A 0 0 0 0
60 N/A N/A 0 0 0 0
61 N/A N/A 0 0 0 0
62 N/A N/A 0 0 0 0
63 N/A N/A 0 0 0 0
64 N/A N/A 0 0 0 0
65 N/A N/A 0 0 0 0
66 N/A N/A 0 0 0 0
67 N/A N/A 0 0 0 0
68 N/A N/A 0 0 0 0
69 N/A N/A 0 0 0 0
70 N/A N/A 0 0 0 0
71 N/A N/A 0 0 0 0
72 N/A N/A 0 0 0 0
TOTAL 0 0 0 0 0
ILLUSTRATION OF VARIABILITY
The following table illustrates the accumulation of Fund Value using 4% and 12% interest rates. Interest rates
illustrated are neither an estimate nor a guarantee and will vary depending on the performance of the PDF.

Rate End of 1st year End of 5th year End of 10th year End of 12th year End of 15th year End of 18th year
4% 6,947 38,428 591,394 780,547 1,018,727 1,127,781
12% 7,482 62,553 782,991 1,139,868 1,771,778 2,468,094

Rate End of 19th year End of 23rd year End of 28th year End of 30th year End of 33rd year End of 36th year
4% 1,161,400 1,309,874 1,531,417 1,632,937 1,800,959 1,989,961
12% 2,751,889 4,271,002 7,448,341 9,316,962 13,047,900 18,289,598

Rate End of 37th year End of 41st year End of 46th year End of 48th year End of 51st year End of 54th year
4% 0 0 0 0 0 0
12% 0 0 0 0 0 0

Rate End of 55th year End of 59th year End of 64th year End of 66th year End of 69st year End of 72nd year
4% 0 0 0 0 0 0
12% 0 0 0 0 0 0

1. MOST 18
- The insurance component of the package is an 18-Year Renewable Term purchased from Manila Bankers Life Insurance Corporation (MBLife). In determining the
premium, the rating Standard premium rate was used in the above computation.
- A separate insurance policy contract shall be issued to the policyowner setting forth the specific benefits and other pertinent provisions. This illustration shall not form
part of the contract of insurance.
- Values that appear in this proposal may differ from those of the policy contract due to small rounding off errors. The above has been drafted by the soliciting agent for
illustration purposes. While we have made every effort to ensure accuracy, errors and omissions may have occurred in the preparation of this proposal. The terms and
conditions that shall bind the parties are expressly provided for in the policy contract.
- The policy, if in force, may be converted without evidence of insurability to a new policy on the Insured prior to age 65 of the Insured.

2. Premium Deposit Fund (PDF)

- Payments in excess of the annual premium are automatically invested in the PDF.
- The values above are based on the projected performance of the PDF. Since the PDF performance may vary, the values of the PDF is not guaranteed and will depend
on the actual PDF performance at that given period. The projected returns on the PDF are based on the assumed yield rates which are for illustration purposes only
and do not represent maximum or minimum returns on the PDF.
- The minimum initial contribution to the PDF is Php 6,000 and each additional contribution thereafter is in minimum of Php 1,000.
- Maximum of three (3) withdrawals per year can be done without charges. In excess of three (3) withdrawals per year will be subject to applicable fees.
- To prevent the policy from becoming lapsed, it is advisable to maintain an amount in the PDF that is enough to cover the next premium due.
- Lower interest rate may require the Insured to pay additional premiums to maintain the policy.

PROPOSAL FOR

Ma. Goretti Jica Sotes Gula

Proposed Insured
Issue Age: 25

CONTRIBUTION SCHEDULE
BENEFITS COVERAGE ANNUAL CONTRIBUTION
MOST 18 1,000,000 5,590.00
Deposit to PDF 7,180.00
TOTAL ANNUAL CONTRIBUTION 12,770.00
POLICY FEE (only for initial payment) 500.00

DESCRIPTION OF BENEFITS
MOST18 - pays the beneficiary the face amount if the Insured dies within 18 years from its effective date upon payment of the renewal premium due provided all earlier
premiums have been paid when due and the age of the insured is less than 60. The policy provides guaranteed renewability before age 60 and guaranteed convertability
before age 65.

PREMIUM DEPOSIT FUND (PDF) - the Policy Owner may make annual deposits automatically invested to the PDF. The accumulated value of the PDF may be used to reach
a target amount to be used for living benefits or to shorten premium payment period. PDF is subject to minimum return if withdrawn before the 5th anniversary. PDF is subject
to applicable fees if withdrawal is more than three (3) times a year.

The above are only descriptions and are limited in scope. Only the contract contains the details, conditions, definitions and the complete provisions of the policy.