MOST 18: Affordable Life Insurance in the Philippines with Savings — so you can protect your family without overpaying.
The Best Way to Show Your Love is to Protect Their Future.
What is the best life insurance in the Philippines?
MOST 18 is an affordable 18-year term life insurance plan with savings and riders, designed for Filipino families who want full coverage without high costs.
What’s the Problem?
Most Filipinos do not have insurance and if they do, they have bundled life insurance that:
Mixes investment and insurance (but doesn’t do either well)
Is more expensive due to hidden fees and agent commissions
Has complex terms and charges when you add or withdraw funds
Leaves you vulnerable when the market drops
There’s a better way…
Introducing MOST 18 – Multiple Option Super Term
An unbundled term insurance with built-in savings, guaranteed not to go negative.
18-year term coverage
Affordable premiums (as low as ₱6,877/year for 25 y/o!)
Add riders: Accidental, Critical, Terminal Illness, Disability
With PDF (Premium Deposit Fund) — grows interest annually
MOST 18 vs Bundled
See how MOST 18 compares to bundled insurance products.
| Feature | MOST 18 | Bundled |
|---|---|---|
| Product Type | Unbundled | Bundled |
| Fund Growth | Can’t go negative | Can go negative |
| Charges | No extra charges | Many fees apply |
| Access to Savings | Withdraw anytime | Apply for loan |
| Death Benefit | Increases with PDF | Fixed |
| Cost | Affordable | Expensive |
| Risk of Lapse | Low | High |
Features and Benefits
MOST 18 gives you the best of insurance + savings, all in one plan.
Term Insurance
Maximum coverage, lowest cost
PDF Savings
Grows with interest, no losses
Accidental Death Benefit
Double payout if due to accident
Terminal Illness Rider
Access up to 50% of coverage early
Critical Illness Rider
30% extra if diagnosed with serious illness
Payor Disability Benefit
Waives payment if parent dies or becomes disabled
MOST 18 Pricing
See how affordable term life insurance can be.
Prices depend on age. The younger you start, the cheaper it gets!
E.g., Age 25: ₱6,947/year — Age 40: ₱11,756/year for Php1,000,000 coverage
Frequently Asked Questions
Here are answers to some of the most common questions about MOST 18.
Am I covered worldwide?
Yes, MOST 18 provides worldwide coverage.
Can foreigners apply?
Yes, foreigners with an ACR (Alien Certificate of Registration) may apply.
What if my policy lapses?
You can reinstate your policy within 2 years of lapse.
Can I upgrade?
MOST 18 is fixed, but you can purchase additional policies for more coverage.
Who manages the PDF fund?
PDF is managed in-house by Manila Bankers Life’s fund managers.
Why Trust MB Life?
Backed by experience, regulated by law, and committed to your future.
Established May 19, 1967
56+ years of protecting Filipino families
Regulated by the Insurance Commission
Affordable plans with real value
Covers both life and non-life insurance