5 KEY BENEFITS OF MANILA BANKERS LIFE MOST 18 LIFE INSURANCE

 

Ang infographic na ito, ipinapakita ang limang pangunahing benepisyo ng MOST 18 ng Manila Bankers Life, isang life insurance plan na pinagsasama ang protection, savings, at long-term security.

Sa itaas ng infographic, malinaw na ipinapakilala ang MOST 18 bilang isang maaasahang insurance plan. Ang paggamit ng mga simbolo tulad ng shield at ang maayos na layout ay nagpapakita ng konsepto ng financial protection at stability.

Ang unang benepisyo ay ang Life Insurance Coverage. Batay sa infographic, nagbibigay ang MOST 18 ng isang milyong piso o higit pa na coverage. Ibig sabihin, may financial support na maiiwan para sa pamilya ng insured sakaling may mangyaring hindi inaasahan.

Ang ikalawang benepisyo ay ang Savings Fund. Ipinapakita rito na ang MOST 18 ay hindi lamang insurance kundi isa ring paraan ng pag-iipon. Habang tumatagal ang policy, unti-unting lumalaki ang savings na maaaring magamit lalo na sa oras ng emergency.

Ang ikatlong benepisyo ay ang Critical Illness Benefit. Nagbibigay ito ng tulong-pinansyal kung ang insured ay ma-diagnose ng mga seryosong sakit tulad ng cancer, heart attack, stroke, o kidney failure. Malaki ang naitutulong nito sa pagbawas ng gastusin sa panahon ng karamdaman.

Ang ikaapat na benepisyo ay ang Accident Benefit. Ayon sa infographic, maaaring madoble ang insurance coverage kung sakaling ang pagkamatay ay dulot ng aksidente. Ipinapakita nito ang karagdagang proteksyon laban sa mga biglaang pangyayari.

Ang huling benepisyo ay ang Insurability. Ang MOST 18 ay nagbibigay ng coverage hanggang 100 taong gulang, kahit pa magbago ang kalagayan ng kalusugan ng insured. Nagbibigay ito ng long-term assurance at patuloy na proteksyon.

Sa kabuuan, malinaw na ipinapakita ng infographic na ang MOST 18 ay isang well-balanced na insurance plan na naglalayong magbigay ng financial protection, savings, at pangmatagalang seguridad. Ang malinaw at propesyonal na disenyo ng infographic ay nakatutulong upang mas madaling maunawaan ang impormasyong ipinapahayag.

DM o Click mo lang ang link depende sa purpose na gusto mo.

LIFE
BUDGET BASED- https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bycontribution&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH
TARGET BASED
https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bygoal&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH
RETURN OF CONTRIBUTIONS
https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=byrop&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH
EDUCATION
https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=100000&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=eeb&noedit=1&aff=208526PH
GRADUATION GIFT
https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=byrop&goal=1000000&contribution=100000&yearstopay=5&enrollment=100000&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=eeb&noedit=1&aff=208526PH
PENSION
https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=600000&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH
RETIREMENT

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=1000000&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=rls&noedit=1&aff=208526PHLIFE

BUDGET BASED- https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bycontribution&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH

TARGET BASED

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bygoal&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH

RETURN OF CONTRIBUTIONS

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=byrop&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH

EDUCATION

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=100000&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=eeb&noedit=1&aff=208526PH

GRADUATION GIFT

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=byrop&goal=1000000&contribution=100000&yearstopay=5&enrollment=100000&retirement=0&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=eeb&noedit=1&aff=208526PH

PENSION

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=0&pension=600000&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=pp&noedit=1&aff=208526PH

RETIREMENT

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=1000000&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=rls&noedit=1&aff=208526PH

Here’s a clear summary of MBLife MOST 18 (Multiple Option Super Term 18) — especially focused on benefits and what it covers (including dependents):

What MOST 18 Is

MOST 18 is a term life insurance product from Manila Bankers Life Insurance Corporation, offered in partnership with IMG. It provides life insurance coverage for 18 years with a built-in Premium Deposit Fund (PDF) — a savings/investment component that grows over time while still providing protection.


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Key Benefits of MOST 18

1. Life Insurance Protection (Death Benefit)

If the insured person dies during the 18-year term, a death benefit is paid to beneficiaries (e.g., your dependents or family).

This helps cover funeral costs and financial needs that arise when a family loses its breadwinner.


2. Premium Deposit Fund (PDF)

A unique savings/investment portion that grows with guaranteed zero-negative return — meaning it won’t lose value even if the market drops.

You can withdraw savings anytime without penalty, even in the first year.

You can use the PDF to cover future premiums or emergencies.


3. Premium Flexibility

Pay annually or add more than the required premium to increase your PDF investments.

Excess cash goes into your PDF and can help reduce future premium payments out of pocket.


4. Level Term Coverage

The insurance premium stays constant throughout the 18-year period (level coverage).

The coverage amount (face value) remains stable as long as premiums are paid.


5. Convertible to Permanent Insurance

Before age 65, you may have the option to convert the policy into a permanent insurance plan if you decide you want lifelong coverage.


6. Addresses Other Financial Needs

Savings from PDF can be applied toward goals like education, retirement, travel, emergency fund, etc.



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Does MOST 18 Cover Dependents?

MOST 18 is primarily a policy on the insured person only — meaning:

It doesn’t automatically provide separate coverage for dependents like a family group plan would.

The issue age range is from about 5 to 60 years old, so children or family members can be insured if individually added under separate or additional policies.


Most life insurance products allow dependents to be covered only if you apply a separate policy or rider for each — e.g., child coverage, spouse coverage, etc. For MOST 18 specifically, there isn’t standard public documentation showing automatic family/children dependent coverage included in one single policy.


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Optional Riders (may be available)

Some agents or policy versions may offer optional riders to enhance benefits, such as:

Accidental Death Benefit (ADB) — extra payout if death is due to accident.

Terminal Illness Benefit (TI) — partial payout if diagnosed with a terminal illness.

Critical Illness Rider — extra cash if diagnosed with certain critical illnesses.
These riders enhance coverage for the insured person, not automatically adding dependent coverage unless specifically included.



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Summary

Feature Included?

Death Benefit for Insured
Savings + Investment (PDF)
Withdrawable Savings
Flexible Premium Payments
Convertible to Permanent Insurance
Coverage for Dependents (automatic) Not standard
Optional Riders (Accident, Critical Illness, Terminal Illness) Possible, check policy



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Quick Takeaway

MOST 18’s main benefit is life insurance protection for the insured plus a flexible savings/investment component (PDF) — a good fit if you want both protection and savings in one product.

If your goal is dependents’ coverage (like spouse or kids) under the same contract, you typically need additional policies or riders on each person rather than automatic coverage within a single MOST 18 policy.

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Hope this helps. You may want to project the plan by trying to qoute.
here's the link

https://208526ph.manilabankerslife.com/app/products/MT18/index.php?lifeadd=1000000&mode=A&adb=1&pddb=0&computation=bypension&goal=1000000&contribution=100000&yearstopay=5&enrollment=0&retirement=1000000&pension=0&enrollment_age=1&enrollment_name=Child%20Name&retireage=65&branch=88&flow=1&chk_bypension=rls&noedit=1&aff=208526ph