03/11/2026
“Akala ko ba kapag may life insurance, makukuha ng family ang benefits kapag namatay ang insured? Bakit may claims na nade-deny?”
Worth pag-usapan, lalo na kung may policy ka na o balak kumuha.
Let me share 2 important concepts na dapat alam ng bawat Filipino na may life insurance.
1. THE CONTESTABILITY PERIOD: THE FIRST TWO YEARS MATTER.
Under Section 48 of the Philippine Insurance Code, ang life insurance policy ay nagiging incontestable after it has been in force for 2 years from issue or last reinstatement — meaning, hindi na pwede i-deny dahil lang sa misrepresentation or concealment dati.
Pero within those first 2 years, may karapatan ang insurance company na i-investigate kung totoo at kumpleto ba ang impormasyong nilagay sa application.
Sa madaling salita, ang first 2 years ang pinaka-importante para maging malinaw at tapat ang lahat.
2. THE DISCLOSURE CLAUSE: HONESTY PROTECTS YOUR FAMILY.
Kapag nag-a-apply ka, tinatanong ang medical history, previous illnesses, consultations, meds, lab results.
Bakit? Para ma-assess ng maayos ang risk.
Reminder: Kahit feeling mo minor lang, i-disclose mo pa rin.
High blood? Nagpa-checkup recently? May lab findings? Sabihin sa advisor. I-declare sa application. Huwag isipin na "maliit lang naman, okay lang hindi sabihin."
Under the law, even unintentional concealment ng material fact can affect your claim.
3. DOES THIS MEAN AUTOMATIC DENIED KAPAG WITHIN 2 YEARS NAMATAY?
No. Hindi automatic denied.
It means mas masusing ire-review — titingnan ang application, medical records, policy contract, at batas.
After 2 years, mas protektado ka na under incontestability, maliban na lang sa ilang exceptions gaya ng non-payment of premium.
Ang purpose ng life insurance ay protektahan ang mahal mo sa buhay — hindi iwan sila ng komplikasyon.
SO, DID YOU MAKE THE RIGHT DECISION GETTING A SUN LIFE POLICY?
Yes. Getting insured is a meaningful step.
Pero hindi nagtatapos sa pirma at bayad ang responsibilidad mo. Siguraduhin na:
✅ Sinagot mo nang totoo ang application
✅ Na-disclose mo ang relevant medical history
✅ Na-review mo ang policy details at exclusions
✅ Alam ng beneficiaries mo na beneficiary sila
✅ Active at updated ang premium mo
✅ May copy ka ng policy at alam ng pamilya kung saan ito makikita
As your Sun Life Financial Advisor, goal ko hindi lang ma-insure ka. Gusto kong maintindihan mo kung ano ang binili mo, bakit mo binili, at paano ito makakatulong sa pamilya mo.
Dahil ang tunay na value ng life insurance ay hindi lang papel na hawak mo ngayon. It's the financial protection your family can rely on when life takes an unexpected turn.
One last question: If something happens to you tomorrow, will your family know what to do, where to find your policy, and who to contact? Let's make sure they do. ❤️
For education only, not legal advice. Please refer to your actual policy contract and Insurance Code for complete details. Policy benefits subject to terms and conditions.
