Overview
Policy benefits
Terms & Conditions

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Smart Credit Secure

A credit life insurance plan that pays off your bank loans should the unexpected happen before they get fully paid

This product is exclusively for BPI credit card holders only

Issue age

18 to 64 years old

Coverage period

Term

Buy via

BPI AIA Telesales Representative

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Policy benefits

Credit protection

If the unexpected happens, we’ll pay off your BPI credit card’s outstanding balance based on the face amount of your chosen plan

Life insurance benefit

Your beneficiary will receive a lump sum payment worth the excess amount after your outstanding balance is paid

Affordable plan

You can pay as low as ₱284 monthly premiums to get ₱200,000 coverage

Easy application process

You can get this plan over the phone without medical exams and request forms

Insurance lingo

An amount of money paid all at once to the policy owner, insured, or beneficiary/ies, depending on the policy’s terms and conditions. Examples are death benefit, and maturity benefit.

This is the fee you pay us to keep your insurance policy active. It may be paid monthly, quarterly, semi-annually, or annually.

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Terms & Conditions

Smart Credit Secure can only be purchased through a BPI AIA direct marketing call.
Smart Credit Secure is a term insurance payable monthly or annually which terminates at age 65. The last renewal age is 64.

Smart Credit Secure is a standalone, yearly renewable credit life insurance product.

Actual terms and conditions are found in the Group Master Policy. In case of conflict, the Policy terms shall prevail.

The financial products of BPI AIA Life Assurance Corporation are not insured by the Philippine Deposit Insurance Corporation and are not guaranteed by the Bank of the Philippine Islands.

Upon receiving the Policy Contract, you may refer to it for the full details on critical illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract you decide that this plan is not suitable for your needs, simply return it to BPI AIA within 15 days from the date you or your authorized representative received it, and we will refund total premiums you have paid.

Let’s find the right plan for you

Talk to us today so we can help match your goals with the best insurance plan

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