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KEY IMPORTANT FEATURES:
PREMIUM RIDER BENEFITS
Exclusive Lifetime Coverage
This policy covers you until age 100, making HealthFLEX an investment not just in your health, but in your financial future as well.
Maturity Benefits
Live with confidence knowing that, should you reach age 100, HealthFLEX rewards you with a 100% return of the face amount, reflecting the comprehensive protection you’ve held throughout your life.
Loyalty Bonus
Enjoy non-guaranteed dividends in the form of loyalty bonuses, which can be withdrawn when your HealthFLEX policy has accumulated value. This unique feature offers you added financial flexibility, ensuring you can access your funds when necessary while staying protected.
Optimal Critical Coverage
With HealthFLEX, you’re backed by a robust plan that covers 112 critical illnesses—60 major conditions like cancer, heart attack, and stroke, 44 early-stage illnesses, and 12 specific conditions affecting children. This ensures you and your loved ones are financially protected against the unexpected, no matter the stage of life.
Early Stage CI
Receive 25% of your Face Amount upon diagnosis of any of the 44 early-stage critical illnesses.
Recovery Funds
Get an additional monthly payout of 2% of your Face Amount for 24 months upon diagnosis of one of 60 advanced critical illnesses.
Hospital Income
Receive a daily benefit of Php 1,000 or more during any hospital confinement to cover medical expenses and doctor’s fees. (Pregnancy is not included)
2nd Advanced CI Benefit
Receive another 100% of your Face Amount if diagnosed with Cancer, Heart Attack, or Stroke, with a waiting period of 1 to 3 years after the first claim.
Gender-Specific Cancer Benefit
Get an additional 25% of your Face Amount for gender-specific cancers like Breast Cancer for women and Prostate Cancer for men.
Child CI Benefit
Issue Age = 0 - 13 Years Old
Coverage Age = 0 - 18 Years Old
Receive an additional 25% of the Face Amount if your child is diagnosed with any of the listed child critical illnesses, such as Kawasaki Disease or Severe Asthma.
Death Benefit
Your beneficiary receives the full Face Amount (less any policy loans or unpaid premiums) upon your passing due to natural causes. (Not a rider benefit)
Payor's Benefit
If you’re paying premiums for a family member, future premiums are waived in the event of your death or disability.
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As a highly intellectual business owner, you’re naturally focused on growing and scaling your business.
But when it comes to your health protection, are you leaving your future in the hands of government-mandated benefits like SSS, PhilHealth, Pag-IBIG, and HMOs? These systems, while essential, are designed for the general population, providing only basic coverage that often falls short in handling long-term critical illness and extensive hospital care needs.
Why HealthFLEX Complements PhilHealth, SSS, Pag-IBIG, and HMOs
Government-mandated programs like PhilHealth, SSS, Pag-IBIG, and HMOs provide foundational support for Filipinos, but they are primarily designed for the general population and may not meet the specific needs of high-income business owners when it comes to comprehensive, long-term illness coverage. Let’s look at how HealthFLEX complements these essential programs:
• PhilHealth offers coverage for hospitalization, medical procedures, and other essential health services. However, its coverage is limited by income brackets, and contributions are capped. While PhilHealth can help cover basic healthcare expenses, it often falls short in covering the high cost of long-term care or critical illnesses, which can be a significant financial burden for high-income earners.
• HMOs provide short-term health insurance, mainly covering outpatient care and some hospitalization costs. However, they generally exclude critical illness coverage, and their benefits end at retirement, leaving gaps when long-term care or more serious illnesses occur later in life.
• SSS focuses on income replacement through benefits such as sickness, maternity, disability, and retirement payouts, but it does not provide extensive healthcare or critical illness coverage. For high-income individuals, the maximum benefits from SSS may not be enough to cover the costs associated with major illnesses.
• Pag-IBIG is primarily designed to support housing loans and short-term financial assistance, and does not provide healthcare benefits. While it serves as a valuable tool for housing and savings, it doesn’t address the medical expenses related to critical illness.
How HealthFLEX Complements These Benefits
• PhilHealth and HMOs may cover initial hospitalizations, but HealthFLEX ensures that you’re also covered for recovery, rehabilitation, and the ongoing costs associated with critical illnesses, including long-term care.
• SSS provides income replacement in times of sickness or disability, but HealthFLEX guarantees lump-sum, tax-free payouts that can immediately cover medical expenses, regardless of your other income.
• Unlike investment-focused products like Pag-IBIG MP2, which build wealth, HealthFLEX provides guaranteed payouts for unexpected health events, ensuring you don’t have to tap into your investments during a health crisis.
HealthFLEX complements these programs by providing additional layers of protection and financial security. By incorporating HealthFLEX into your financial portfolio, you ensure that your wealth and health are fully protected, allowing you to maintain your lifestyle even during times of serious illness.
Now imagine this: A serious illness strikes, and your government benefits and HMO don’t cover the full extent of your medical needs—leaving you exposed to substantial out-of-pocket costs.
This scenario can severely impact your financial planning and the very business you’ve worked so hard to grow. As a forward-thinking business owner, you know that staying two steps ahead in every aspect of life is key, and relying solely on basic health plans could leave you vulnerable. Are you willing to gamble your future health and finances on limited coverage?
“I’d Rather Invest in Stocks, Real Estate, or Other Wealth Products”
As a high-net-worth individual, you’ve likely built a strong foundation of wealth through smart investments like stocks, real estate, bonds, and other wealth accumulation products. These are powerful tools for growing your assets. However, their primary purpose is growth, not protection. When faced with a health crisis, dipping into your hard-earned investments to cover medical bills can derail your financial goals.
Think about it this way: would you really want to liquidate your investment accounts in a time of emergency? The last thing you want is to sell your stocks or interrupt your portfolio’s growth to cover critical illness costs. HealthFLEX ensures that you don’t have to. By safeguarding your health with comprehensive critical illness coverage, you protect both your wealth and your future financial growth.
Why You Should Act While Healthy
Unlike stocks, real estate, and bonds—which remain available to you regardless of your health—health insurance has a different timeline. Once your health begins to deteriorate, no amount of wealth can buy the comprehensive coverage you may need. This is why we emphasize the importance of securing HealthFLEX while you are healthy, when the choice is still available to you.
Insurance is both scarce and urgent. As we grow older, health risks increase, and the opportunity to secure premium protection diminishes. Even with significant wealth, insurance isn’t guaranteed if you’re no longer healthy. On the other hand, wealth accumulation products will always be available—you can buy stocks, bonds, and real estate even when you’re older or sick, but you can’t secure new health insurance.
Getting HealthFLEX now is about protecting the foundation of everything you’ve built. You’ve worked hard to grow your wealth—ensure it stays protected by securing the critical illness coverage that will prevent you from needing to disrupt your financial portfolio when health emergencies arise.
"I have coverage from another insurance company"
Already Have Coverage? More is Better.
If you already have a critical illness plan from another provider, that’s a smart decision, but consider this: When it comes to health coverage, having more protection is always better than less. Illnesses don’t have predictable price tags, and medical bills, especially for critical care, can escalate quickly.
Having multiple critical illness plans ensures that you’re maximizing your coverage. Think of it like diversifying your investment portfolio—by spreading your risks, you ensure stronger protection. The last thing you want in a health crisis is to discover that your existing plan doesn’t fully cover your needs. With HealthFLEX, you’re making sure that no matter the medical emergency, your financial stability remains intact, and you’re free to focus on recovery.
The Soaring Costs of Healthcare
Even if your business is booming and you have significant savings, the cost of healthcare in the Philippines can be devastating. Procedures like heart surgery, cancer treatments, or dialysis can easily rack up costs in the millions. For example, a single cancer treatment could cost upwards of PHP 1 million, and a stroke rehabilitation could reach PHP 1.8 million or more. While you’re likely thinking, “I’m covered, I’ve saved,” the reality is that healthcare expenses can erode your savings and force you to liquidate investments at inopportune times.
Business owners are no strangers to stress. The pressures of managing employees, balancing cash flow, and planning for the future can be overwhelming. But imagine how much more difficult it would be to navigate these challenges while battling a serious illness like cancer or heart disease. The emotional toll that critical illness takes is massive—not just for you, but for your family and business as well.
Additional Fees To Consider
The treatment costs shown in the table (for procedures like coronary artery bypass, chemotherapy, and kidney transplants) typically do not cover the full cost of a patient’s healthcare journey.
The type of hospital plays a huge role in determining overall costs. Private hospitals and those with more advanced technology, specialist care, and patient amenities tend to be more expensive than public or community hospitals. For example, a heart bypass surgery in a leading private hospital will cost significantly more than the same procedure at a government hospital, where fees are subsidized but the quality of care may differ.
These estimates mainly reflect procedure-specific costs and hospital fees, but they often exclude additional expenses such as:
Doctor's Fees
Separate charges are billed by the attending physician, surgeon, anesthesiologist, and specialists involved in the treatment. These fees depend on the doctor’s experience, specialization, and the hospital they’re associated with.
Medications
The cost of medications, whether during hospital stay or as part of a long-term treatment plan, can be substantial. For critical illnesses, patients often require costly medications that may not be included in the package or procedure cost.
Hospitalization Fees
These include room rates, nursing care, and other services, which can vary widely depending on the hospital’s location and quality of care. For example, private rooms or advanced healthcare facilities cost more than basic accommodations in public hospitals.
Rehabilitation
Many patients, especially those recovering from strokes, heart surgery, or cancer treatments, require extended rehabilitation like physical therapy, occupational therapy, or psychological counseling, which is typically not factored into initial treatment costs.
The Ceiling Benefits of External Healthcare Providers
As a high-income business owner or individual, I know you understand the limitations of common coverage plans like PhilHealth and HMOs.
PhilHealth offers two primary tiers of coverage for medical expenses: Basic Case Rate and Z Benefits (Dreaded Illnesses). However, these benefits, while helpful, may fall short of covering the full costs for more serious treatments.
By securing HealthFLEX, you don’t have to worry about liquidating assets like property or stocks to cover additional hospitalization, treatment, and medical cost, which may not be readily available when you need them the most.
HealthFLEX ensures a guaranteed payout to cover treatment costs without dipping into these valuable wealth-building vehicles. This gives you the financial predictability and security that no other investment can offer in times of a health crisis.
You wouldn’t wait for a fire to install smoke alarms in your home, so why wait for a health crisis to secure your financial future?
Healthcare costs are projected to double in the next decade. Without adequate protection, you risk having your financial safety net completely wiped out.
However, even with these figures, consider if this is sufficient for someone at your level of income and lifestyle. PhilHealth, while valuable for the general population, can leave significant gaps in coverage—especially for more severe illnesses that demand advanced care.
HMOs: Limited Scope of Coverage
HMOs provide a different form of coverage, with benefits that vary depending on the specific plan and partner network.
For mild to moderate medical conditions or short-term hospital stays, HMOs can provide adequate support. However, once the conditions become critical, their scope narrows. Many HMOs have limited networks, meaning you might not have access to premium healthcare facilities or specialists. Additionally, HMO coverage caps can leave you vulnerable to high out-of-pocket expenses for severe conditions.
While PhilHealth and HMOs are useful for day-to-day or mild healthcare needs, HealthFLEX steps in where they fall short, offering comprehensive and exclusive protection.
HealthFLEX covers 112 critical illnesses, including 60 major conditions like cancer, heart attack, and stroke, as well as 44 early-stage conditions and 12 critical conditions specific to children. Unlike PhilHealth or HMOs, HealthFLEX provides a guaranteed lump sum payout upon diagnosis, which can be used however you see fit—whether for medical bills, personal expenses, or even investments.
With HealthFLEX, you get the premium critical illness coverage that bridges the gap left by government and HMO plans.
HealthFLEX offers you comprehensive protection against 112 critical illnesses, ensuring that you and your family are secure, even when the unexpected happens. It’s not just about having protection—it’s about having the right protection that’s built to cover you through the long-term and give you peace of mind as you continue to build your empire.
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High-Income Individuals = High-Income Networks
I already know what you might be thinking because I hear it often from other high-income individuals: “I have a powerful network, and I know they’ll support me when I need it, given all I’ve done for them.” And to be honest, I’m not here to discredit your connections or the potential help they could offer. If that’s the case, even better for you. How incredible is that, right?
Your connections and network may indeed offer you financial support in times of need. But why rely solely on that when you can turn the situation to your advantage? Imagine this: if you were to be diagnosed with a severe illness, not only would you receive donations and assistance from your network, but with HealthFLEX, you’d also receive a guaranteed, tax-free payout, regardless of whether your medical costs are already covered.
For instance, if you face a serious illness with a total treatment cost of Php 1,500,000 and you have a HealthFLEX coverage of Php 5,000,000, YOU WILL STILL RECEIVE THE ENTIRE PHP 5,000,000 (OUTRIGHT & TAX-FREE)—even if your medical bills have been reduced or covered through other means. This lump sum gives you the freedom and flexibility to use the excess funds however you choose, further protecting your financial legacy.
Maximize Wealth and Health Protection: Leverage Your Premium Benefits as a High-Income Business Owner and Individual
My purpose is simple: to give high-income business owners and individuals like yourself insights on how to elevate your wealth and health protection to the next level with premium and exclusive options. If you’re someone who doesn’t align with these values, I respect that, as I know you have your own proven strategies for success, with or without insurance.
As a savvy business owner, you already understand the importance of balancing wealth accumulation with wealth preservation. You wouldn’t concentrate all your investments into a single stock—so why rely solely on one health provider? While PhilHealth and HMOs are valuable for managing everyday healthcare costs, HealthFLEX is designed to protect you from severe, life-altering illnesses that extend beyond the coverage of these programs.
Your network and connections may step in during times of need without you even asking—that’s the power of being respected and valued in your circle. And by adding HealthFLEX in your financial portfolio, you ensure that no matter what happens, your health, lifestyle, and wealth remain fully safeguarded, giving you peace of mind and continued confidence in your financial future.
The Power of Getting More, Not Settling for Less
THE CHOICE IS YOURS: Do you want to settle for the basic benefits offered by PhilHealth and HMOs, or do you want premium protection that ensures your health and wealth are safeguarded, no matter what life throws your way? High-income individuals like yourself are accustomed to thinking in terms of opportunities, not limitations. HealthFLEX offers you the opportunity to protect your health, lifestyle, and legacy while ensuring you never have to worry about falling short in times of need.
It’s an opportunity to leverage an additional layer of protection that goes beyond the basics and prepares you for the unexpected. In today’s unpredictable world, true wealth isn’t just about accumulating assets—it’s about protecting your ability to enjoy them.
What HealthFLEX Truly Offers
It’s natural to wonder whether HealthFLEX only covers the “serious” illnesses like heart attack, stroke, cancer, or if it extends to other conditions like diabetes, pneumonia, or accident-related hospitalizations. The truth is, HealthFLEX focuses on providing substantial coverage for critical illnesses, but that doesn’t mean you’re left unprotected for other common yet costly conditions.
HealthFLEX specializes in critical illnesses, ensuring that when life’s more serious health challenges arise, you are safeguarded with a guaranteed lump-sum payout. Conditions like heart attacks, strokes, and cancers are well-covered under HealthFLEX, ensuring that you have access to the financial support you need when facing these life-altering illnesses. But what about conditions like diabetes or pneumonia, which may not be classified as critical illnesses but come with HEFTY MEDICAL BILLS?
Common hospitalizations that aren’t considered critical illnesses but can still come with high medical costs.
Gallstones (Cholecystectomy)
-Cost: Php 80,000 to Php 150,000
Dog Bites (Anti-Rabies)
-Cost: Php 10,000 to Php 20,000
Overfatigue and Stress-Related Hospitalization
-Cost: Php 15,000 to Php 30,000
Gastroenteritis/Severe Diarrhea
-Cost: Php 10,000 to Php 25,000
Dengue Fever (Non-Critical)
-Cost: Php 20,000 to Php 50,000
Asthma Attacks
-Cost: Php 15,000 to Php 30,000
Urinary Tract Infections (UTI)
-Cost: Php 10,000 to Php 20,000
Pneumonia (Non-Critical)
-Cost: Php 20,000 to Php 60,000
Appendicitis
-Cost: Php 80,000 to Php 120,000
Hypertension-Related Hospitalization (Non-Critical)
-Cost: Php 15,000 to Php 50,000
A Comprehensive Protection Approach
It’s important to recognize that while PhilHealth and HMOs provide critical support for routine hospitalizations, they are not enough for protecting your long-term financial health. HealthFLEX complements these plans by covering the biggest financial risks you face: critical illnesses and the potential loss of wealth due to severe medical costs.
Additionally, HealthFLEX comes with guaranteed cash value—acting as your safety net for unlisted illnesses—and non-guaranteed dividends that grow over time. But do not consider the growth of the non-guaranteed dividends may compare to investments like stocks, mutual funds, and other wealth accumulation products.
By combining PhilHealth, HMOs, and HealthFLEX, you are creating a comprehensive safety net that covers everything from the small, frequent medical expenses to the life-altering medical events. This way, you’re always prepared, regardless of the type of illness you face.
With HealthFLEX, you’re not just protecting your health—you’re preserving your wealth and securing your financial future. And that’s something no one can afford to overlook.
HOW HealthFLEX WORKS FOR HIGH-INCOME BUSINESS OWNERS & INDIVIDUALS
A 35-year-old high-income businessman purchases a HealthFLEX plan with a Php 2,000,000 Face Amount and a 10-year payment plan.
Basic Case Rate
Breakdown of Basic case rate amount: (Amount varies yearly - please check PhilHealth)
Dengue Fever = Up to Php 16,000
Stroke = Up to Php 57,000
Ischemic Heart Disease = Up to Php 28,350
Z- BENEFITS
Breakdown of some Z-Benefits: (Amount varies yearly - please check PhilHealth)
Breast Cancer = Up to Php 100,000
Kidney Transplant = Up to Php 600,000
Coronary Artery Bypass = Up to Php 550,000
At age 38, he is diagnosed with Prostate Cancer, a covered Advanced Critical Illness.
Here’s how HealthFLEX ensures his protection and peace of mind:
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Main Benefit: Advanced Critical Illness Benefit
Upon diagnosis of Prostate Cancer, the insured immediately receives the FULL Php 2,000,000 Face Amount, tax-free. This lump sum provides substantial financial support, covering medical treatments, hospital bills, and rehabilitation costs.
First Payout: Php 2,000,000 (Tax-free)
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Additional Benefits: (Waiver of Premium & Recovery Funds)
*After receiving the advanced critical illness benefit, all future premiums are waived. This ensures that the insured continues to benefit from coverage without the financial burden of making additional payments.
2nd Payout: Php 40,000/month for 24 months = Php 960,000 (Tax-free)
*In addition to the lump-sum benefit, the insured receives 2% of the Face Amount (Php 40,000) monthly for 24 months to support recovery.
Question about the monthly Recovery Funds
Question: “If I get diagnosed with cancer and receive a payout benefit of Php 2,000,000 along with the monthly recovery funds of Php 40,000, what happens to the remaining recovery funds if I pass away in the 3rd month? Will Manulife take back the money meant for my recovery?”
Note: The Death Benefit only applies if the insured remains healthy throughout the policy term and no claims have been made, or if the cash value hasn’t been fully withdrawn. In this case, since a claim has been made for the severe illness, the recovery funds will transition to a benefit for the beneficiaries.
Answer: If the insured passes away in the 3rd month following a diagnosis of a severe illness, the remaining 21 payouts from the recovery funds will be paid to the designated beneficiaries as part of the Death Benefit. This ensures the funds are available to cover final expenses, such as funeral costs, and to provide financial support for the family.
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Additional Benefits: (Hospital Income Benefit)
Since Prostate Cancer is classified as a Dread Disease, the insured qualifies for 3x the daily hospital income allowance. For a 30-day stay, he receives Php 3,000/day to cover hospitalization and doctors’ fees.
3rd Payout: Php 90,000 (Tax-free) for 30 days (coverage continues for up to 1,000 days up to age 65)
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Additional Benefits: (Gender Specific Cancer Benefit)
As Prostate Cancer is a listed gender-specific illness, the insured receives an additional 25% of the Face Amount.
4th Payout: Php 500,000 (Tax-free)
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Total Payout Benefits Received
• Advanced Critical Illness Benefit: Php 2,000,000
• Recovery Funds: Php 960,000
• Hospital Income: Php 90,000
• Gender-Specific Cancer Benefit: Php 500,000
Php 3,550,000 (OUTRIGHT & TAX-FREE)
"Okay, I like the premium and exclusive benefits of HealthFLEX.
How much do I need to set aside to get started?"
Understanding the HealthFLEX Payment Options
• 5-Pay Plan: Pay off your policy in just 5 years. Ideal for those who have higher disposable income and want to complete payments quickly.
• 10-Pay Plan: Stretch your payments over 10 years, offering lower annual or monthly premiums.More suited for those looking to balance affordability and coverage over a longer period.
Choosing the Right Plan
The decision between the 5-Pay Plan and 10-Pay Plan should be based on your current financial situation and future planning:
Ultimately, securing critical illness protection through HealthFLEX is an investment in your peace of mind and financial security. By choosing a payment structure that works for your lifestyle, you can protect yourself and your loved ones from the financial strain of health crises, ensuring that you can focus on recovery and not on mounting expenses.
Quick Tip: I do not provide proposals or quotations to prospective customers who are not yet ready to move forward with their HealthFLEX application. The reason is simple—this product website is designed to give you detailed, comprehensive information to help you make an informed decision. It’s more thorough than any generic policy proposal or quotation you’d receive elsewhere.
For example, if you’re 26 years old and interested in HealthFLEX, be prepared to invest up to Php 221,252 annually for 5 years. I can assure you that your actual premium will be lower than this illustration, but this amount shows how serious you are about securing a better financial future for yourself.
Similarly, for a 45-year-old applicant, the investment would be up to Php 396,154 annually for 5 years. Again, your actual premium will likely be lower, as long as you are in good health and not on any maintenance medications.
“Okay, I like the premium and exclusive benefits of HealthFLEX.
But do you have more affordable options?”
What’s the Difference Between Ultra MAX Coverage and Ultra Coverage?
The key difference is that HealthFLEX Ultra MAX Coverage includes the 2nd Advanced Critical Illness Benefit, while HealthFLEX Ultra Coverage does not.
If you’re looking for comprehensive critical illness coverage, Ultra MAX is the ideal choice. However, either plan is already a smart move for a high-income business owner or individual like yourself, seeking premium and exclusive critical insurance benefits.
"Do You Offer More Affordable HealthFLEX Packages?"
Yes, more affordable packages are available—but I don’t offer them directly. The minimum coverage for HealthFLEX starts at Php 300,000, but as we both know, that amount is insufficient to cover even the most basic treatment procedures and medications. If you cannot meet the premium requirements for HealthFLEX at my level, that’s perfectly fine—there are other financial advisors who can match a package to your monthly disposable income.
However, if you understand that premium and exclusive benefits come at a price, and you value comprehensive protection, then partnering with me is the best decision to secure your financial future.
Why HealthFLEX is Your Best Investment Today – Not Tomorrow
When is the best time to secure your HealthFLEX Critical Illness Plan? The answer is simple: Today.
It’s easy to delay, but the reality is this: most people hesitate for one reason—BUDGET. For many, it’s a valid concern. They need to talk to their spouse, consult their parents, or even their cat. 🐱But for someone like you, who understands the value of premium benefits, budget is rarely the issue.
So what’s holding you back from making the decision today? Why not make the smartest move for your financial future and your health?
What You Need To Know:
Waiting Period
Once you’re approved for HealthFLEX, there is a 90-day waiting period before your critical illness coverage kicks in. If a critical illness were to strike during this period, unfortunately, you wouldn’t be able to claim coverage. That’s why it’s crucial to act today, not tomorrow. Your health is unpredictable, and delaying could cost you more than just money.
Should a critical illness occur during the waiting period, HealthFLEX will refund the premiums you’ve paid—but you’ll have to cover treatment costs on your own. This is standard across all critical illness plans, regardless of the provider. However, by starting your application today, you ensure that you’re protected sooner, giving you a stronger financial safety net as you move forward.
So, don’t let the waiting period discourage you. The earlier you apply, the sooner you’re protected—and the sooner your non-guaranteed dividends start accumulating. You’re not just buying insurance; you’re investing in peace of mind.
Conditional Coverage
HealthFLEX provides conditional coverage from the moment you submit your application. If you were to pass away the day after your initial payment, and submitting your application—even if your medical exam isn’t yet complete—your policy is considered in effect. This means the death benefit will be paid to your beneficiaries. Your loved ones are financially protected from DAY ONE.
So what are you waiting for?
Don’t wait for a health scare to remind you of the value of protection. APPLY NOW for HealthFLEX and start building a future where both your health and wealth are protected.
Gain the confidence that comes with knowing your financial future is secure—and that you’re ready for whatever life throws your way.
Confidence and Peace of Mind
The moment you’re approved for HealthFLEX, you’re making a statement. You’re securing your future, protecting your hard-earned wealth, and ensuring your family’s financial stability. HealthFLEX isn’t just about guarding against critical illness; it’s about having the freedom to enjoy life without the constant worry of “what if.”
There’s an undeniable confidence that comes with knowing that no matter what happens, you’re prepared. Even if you never face a critical illness, your cash value and non-guaranteed dividends grow over time, offering you financial flexibility that complements your existing wealth portfolio.
This isn’t about spending money—it’s about protecting the legacy you’ve built, while still living life to the fullest. Whether you’re running a business, traveling the world, or enjoying time with family, HealthFLEX is your silent partner, ensuring that your wealth and well-being are secure.
What Happens Next?
Since the insured has received the payout benefits, their savings and investment accounts remain untouched, protecting their wealth from this unforeseen event. Taking precautionary action with HealthFLEX has allowed them to safeguard their hard-earned money.
Recovering from a severe illness is never easy—no matter how much wealth you have, the emotional toll is inevitable. But ask yourself this: would you rather be both emotionally and financially distressed—struggling to recover not only your health but also the money you’ve built for your future? Or, should you focus solely on recovering from your illness while allowing HealthFLEX to protect your financial security?
THE CHOICE IS ALWAYS YOURS.
If the insured has the 2nd Advanced Critical Illness Benefit, the policy remains active, and he could receive another Php 2,000,000 if diagnosed with a Heart Attack or Stroke after a waiting period of 1-3 years. The policy terminates once this benefit is claimed.
That’s where CASH VALUE BENEFITS come into play.
While PhilHealth and HMOs are designed to handle routine hospitalizations for common illnesses like gallstones, pneumonia, or appendicitis, they only cover a portion of your medical costs, and those costs can quickly add up in private hospitals.
In today’s healthcare landscape, whether the illness is mild or severe, the cost of hospitalization alone can be OVERWHELMING. Why not be fully prepared, rather than taking unnecessary risks?
HealthFLEX ensures you’re covered, offering access to funds when medical bills rise, even for conditions not traditionally classified as critical.
Final Thought - What Is Your Greatest Fear?
Do you know what the real fear is? It’s not the fear of illness itself. For high-income business owners and individuals, the fear isn’t getting a diagnosis—it’s being caught FINANCIALLY UNPREPARED & LOSING EVERYTHING when that diagnosis comes. And yet, many turn a blind eye to this reality, even with all the warning signs around them.
You already know that drinking with friends, smoking occasionally, or indulging in lavish dinners can take a toll on your health in the long run. Kidney failure, heart disease, and even cancers often stem from these lifestyle choices. But let’s be honest—if you took away those moments of joy, your life would lose a little spark. Yes, you might be a bit healthier, but would you be happier? Probably not.
HERE'S THE THING: it’s not the lifestyle diseases that should worry you most—it’s the MASSIVE MEDICAL BILLS that come with them. As we age, and as medical technology advances, treatment costs continue to rise. Even if you’ve built up an impressive portfolio of wealth, those bills can cut deep, and RECOVERING FINANCIALLY can be just as challenging as RECOVERING PHYSICALLY.
But with HealthFLEX, you don’t have to choose between enjoying life and securing your future. You can continue doing what makes you happy—traveling the world, attending concerts, and EXPERIENCING EVERYTHING LIFE HAS TO OFFER—while knowing that your health and wealth are fully protected.
HealthFLEX offers guaranteed lump-sum payouts when you need them most, so you never have to worry about depleting your wealth for medical expenses. And even if life treats you kindly and you stay healthy, HealthFLEX still rewards you. Through its non-guaranteed dividends, your policy can continue to grow over time, giving you additional financial flexibility and added value to your investment.
The beauty of HealthFLEX is that even if nothing happens—if you stay healthy and continue to live your best life—you still benefit. Your premiums build CASH VALUE, giving you access to funds later in life. It’s not just about coverage for the worst-case scenario—it’s about making sure you always come out on top, no matter what happens.
So, instead of worrying about losing both your health and your money, APPLY NOW for HealthFLEX. Whether you’re faced with unexpected illness or simply enjoying life’s best moments, you can rest easy knowing your financial future is secure.
With HealthFLEX, you don’t have to choose between fun and security—YOU CAN HAVE BOTH. Live your life, protect your legacy, and enjoy peace of mind knowing you’re covered.
VUL Plans: What's the Purpose of Getting VUL?
You might be wondering why this product website is focused on HealthFLEX, a premium critical illness plan, and only briefly mentions VUL plans. The reason is simple—most insurance agents, or “Financial Advisors,” are already selling VUL plans. In fact, 90% of advisors promote VUL on social media, so why should I? My role is not to repeat what’s already out there, but to provide clarity and factual insights. The real difference isn’t the product itself—it’s HOW IT'S EXPLAINED and how it resonates with you as a prospective client.
What You Should Know About VUL Plans
First, let’s set the record straight—VUL is, above all, a protection plan. While it does have investment features, its core purpose is life insurance. If you’re looking at VUL as a way to outperform investment vehicles like stocks, mutual funds, or real estate, you’re missing the point. VUL provides protection first, not rapid wealth accumulation. If you’ve been told otherwise, I encourage you to look elsewhere for investment products.
The Features of Our VUL Plans
Like other VUL plans in the Philippines, ours combines life insurance coverage with the ability to invest in local and international funds, which may help beat inflation over time. VUL plans also offers optional riders, such as Critical Illness Benefit, Hospital Income Benefit, Accidental Death Benefit, Personal Accident Benefit, and Waiver of Premium.
What sets VUL apart is its flexible premium payment options. You can choose from a minimum 5-year payment plan, 10 years, or regular pay (THE MOST AFFORDABLE VUL PAYMENT PLAN). And, unlike traditional life insurance, VUL rewards loyalty with bonuses like the Loyalty Bonus when you consistently pay your premiums beyond the minimum term. All of this, of course, comes TAX-FREE when it’s time to receive the benefits.
Understanding VUL Costs
Every VUL plan comes with associated costs, and it’s crucial to understand them:
• Cost of Insurance – This is the monthly deduction from your policy’s account value to cover your life insurance. It’s based on age, gender, and risk profile, and it increases as you get older or your health deteriorates.
• Withdrawal Charges – These apply when you withdraw from your account value, and they typically decrease over time, disappearing after year 6.
• Monthly Load – This is a small administrative charge, typically around Php 100 per month.
• Fund Management Charges – You can expect a management fee ranging from 0.50% to 2.25% per annum, which is deducted from your designated allocated funds.
• Other Fees – There are also charges for fund switching and premium top-ups.
These charges are common across all VUL plans, but it’s important to understand them to avoid any confusion about where your money is going.
The Real Value of VUL
If you’re concerned about the non-guaranteed nature of VUL’s investment returns or its charges, I understand. VUL isn’t designed to be a high-growth wealth accumulation tool—it’s meant to provide flexible protection while giving your money the opportunity to grow over time. But if your primary goal is aggressive wealth building, it may be better to look at direct investments in stocks, real estate, or other vehicles.
However, VUL has something these other options don’t: GUARANTEED PROTECTION. Your business, stocks, and real estate won’t protect your family if something happens to you—but VUL will. And that’s a key difference.
Understanding Basic Premium & Rider Premium in a VUL Plan
When investing in a VUL plan, it’s crucial to understand how your premium payments are allocated between two key components: the Basic Premium and the Rider Premium. This distinction ensures you’re clear on how much of your money is directed toward investment growth and how much is used to enhance your protection.
Basic Premium: A Balance of Protection and Growth
The Basic Premium is the portion of your total premium that goes towards your life insurance coverage and your investment fund. This premium is split between providing protection for your beneficiaries (in the event of your passing) and investing in funds that have the potential to grow over time. Think of it as the foundation of your VUL plan, offering a balance between insurance security and financial growth.
However, it’s essential to note that depending on the size of your life insurance coverage, a significant portion of your Basic Premium might be used to cover the cost of insurance, leaving only a small portion for investment. For example, if your VUL plan offers Php 1,000,000 in life insurance, roughly 80% of the Basic Premium may go towards maintaining this coverage, while only 20% is invested for growth.
If your goal is to maximize investment growth, you may consider opting for minimal life insurance coverage to allow a larger percentage of your Basic Premium to be directed towards your investment fund.
Rider Premium: Enhancing Your Protection
The Rider Premium covers the additional benefits you’ve chosen to include in your plan, enhancing the comprehensiveness of your protection. Common riders in a VUL plan include:
• Critical Illness Benefit
• Hospital Income Benefit
• Personal Accident Benefit
• Accidental Death Benefit
• Waiver of Premium
These riders offer customized coverage based on your needs and lifestyle, providing added financial security in case of unexpected events, whether it’s hospitalization or critical illness.
Example of Premium Breakdown
Let’s use an example to break this down further. Suppose you apply for a VUL plan with rider benefits such as Life Insurance, Critical Illness, Hospital Income, Personal Accident, and Accidental Death. Here’s how your monthly premium might look for a plan set for 10 years of payments:
Basic Premium: Php 1,500 (Life Insurance: Php 1,000,000)
-This portion covers both investment and life insurance, but as mentioned earlier, a large chunk (approximately 80%) may be directed to life insurance coverage, leaving 20% to grow in the investment fund.
Rider Premiums:
• Critical Illness Benefit: Php 2,000 (Critical Illness: Php 1,000,000)
• Hospital Income Benefit: Php 800 (Daily Allowance: Php 1,000)
• Personal Accident Benefit: Php 600 (Accident Benefit: Php 1,000,000)
• Accidental Death Benefit: Php 300 (Accidental Death Benefit: Php 1,000,000)
• Waiver of Premium: Php 300
Total Monthly Premium: Php 5,500 (payable for 10 years—Riders Only). The Basic Premium may need to continue beyond 10 years due to a smaller portion being allocated to the investment fund.
The "ALL-IN-ONE" Php 3,000 VUL Package
When I see advisors offering VUL plans for as low as Php 3,000 per month with “all-in” coverage—Php 1,000,000 Life Insurance Benefit, Php 1,000,000 Critical Illness Benefit, Php 1,000,000 Personal Accident Benefit, Php 1,000,000 Accidental Death Benefit, Php 1,000 Daily Hospital Allowance, & Php 5,000,000 projected retirement fund at age 65—it raises concerns. Although I don’t know the specifics of those plans, I can confidently say that these are most likely Regular Pay plans, meaning you pay premiums for life, and the growth projections may not be as realistic as they seem.
These packages can be a great solution for the mass market, especially if you’re working within a tight budget but still want comprehensive protection. In that case, these plans are a good option. However, don’t expect substantial growth in your investment, considering the way this type of plan layers its protection and coverage.
Before You Apply for a VUL, Ask Yourself: "What Are My Goals?"
• Do you want affordable, comprehensive protection and are comfortable paying premiums for longer terms, without expecting substantial returns? Then, a VUL plan with an all-in-one strategy may be suitable for you. It’s a good option for the general population seeking balance between protection and affordability.
• Do you want comprehensive protection but prefer limited payment terms (5 or 10 years only) and expect higher returns in the future? In this case, a VUL might not be the right fit because it won’t provide the growth you’re seeking. Instead, consider separating your investment and protection strategies for better returns and more customized coverage.
This is why I often recommend separating your financial strategy into two distinct paths:
1. Pure Life Insurance – A plan that offers maximum protection for your family with minimal investment considerations.
2. VUL with Minimal Riders – If you’re focused on investment growth, opt for a VUL plan with minimal life insurance coverage and fewer riders. This ensures a higher percentage of your Basic Premium goes towards your investment fund, leading to better growth potential over time.
By splitting your financial strategy in this way, you’re able to enjoy both comprehensive protection and optimized investment growth—without compromising one for the other.
The Premium and Exclusive Customer Experience With Me
Here’s why this strategy is tailor-made for high-income business owners and individuals: It reflects the same principles you use to run your business. You wouldn’t invest heavily in one area of your business at the expense of another, so why take that risk with your financial future? With my approach, you get the best of both worlds—PROTECTION where it’s needed and GROWTH where it matters most.
Let’s talk about structuring your plan in a way that supports both your WEALTH PROTECTION and INVESTMENT GOALS. Together, we can create a balanced approach that secures your family’s future while positioning you for financial success.
An Exclusive Offer for Business Owners
As a high-income business owner, you’re constantly looking for ways to protect your wealth and grow your business. That’s why when you secure your future with HealthFLEX, I’m offering something exclusive: complimentary access to JPBooster, a marketing powerhouse that most business owners use to take their businesses to the next level.
GET THIS OFFER FOR YOUR BUSINESS GROWTH
If you subscribe to JPBooster directly, you’ll typically pay between Php 6,000 (Starter Plan) to Php 16,000 (Unlimited Plan) monthly. However, by choosing HealthFLEX through me, you get this invaluable tool for free—no additional cost to you. It’s my way of ensuring you get more than just premium health protection, but also a tool that helps boost your business effortlessly.
Why JPBooster Matters to Your Business
JPBooster is designed to streamline and scale your business by offering powerful features, such as:
• Lead Generation & Pipeline Management: Capture, nurture, and convert more leads.
• Website & Funnel Builder: Create professional websites and landing pages with ease.
• Email & SMS Marketing Automation: Engage with clients through automated communication.
• Social Media Posting: Manage and schedule posts to maintain your online presence.
• Google Reviews Management: Improve credibility and customer trust with automated review requests.
All of these tools come together to help you grow your business—faster, smarter, and with less hassle.
Why This Offer is Unbeatable
With JPBooster, you’re looking at a monthly subscription cost of Php 6,000 to Php 16,000 depending on the plan. But by securing your HealthFLEX policy with me, you get it at no additional cost. It’s more than just health coverage; it’s an investment in both your personal protection and business growth. Plus, I’ll provide PERSONAL COACHING to help you master the software and fully integrate it into your business strategy.
Take Action Now: Secure Your Future & Scale Your Business
Don’t wait—this exclusive offer is tailored for high-income business owners who want more than just insurance. By applying for HealthFLEX, you’ll receive free access to the JPBooster marketing software that will give your business a competitive edge. It’s time to protect your future and grow your business simultaneously.
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Who is this service for?We work with business owners generating $30,000 - $50,000 in monthly revenue who are serious about scaling. If you’re looking to break through growth plateaus and take your business from five to six figures (or more), we provide the strategic guidance to get you there. Our solutions are designed for those ready to invest in their future, not just their present.
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What services does your company provide?Our primary focus is on running highly targeted ads on Facebook and Instagram to maximize your ROI. But we don’t stop there—our added value includes cutting-edge digital marketing strategies, leveraging AI technologies for deeper insights and enhanced campaign performance. We solve real problems, not just surface-level issues.
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What level of involvement is required from me?We handle all the heavy lifting so you can focus on running your business. While some input may be needed in the initial phases, our goal is to take marketing off your plate, allowing you to concentrate on growth. We craft strategies that work independently but always keep you in the loop with progress and results.
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What is the minimum budget required to achieve results?To deliver tangible results, we recommend a minimum ad spend of $100/day per platform, such as Facebook. A budget below this threshold limits the effectiveness of campaigns, and we aim for optimal, not minimal, outcomes. That’s why we set qualifying criteria for those ready to invest seriously in their success. Note: This refers only to ad spend. Our service fee is a separate investment, representing a portion of the revenue your business will generate by partnering with us.
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I have an in-house marketing team. Partnering with you doesn’t make sense.If your in-house team were solving all your problems, you probably wouldn’t be looking for outside help. But we get it—what they’re doing may be bringing in some returns, and that’s fine. We don’t interfere with that. However, if you’re serious about significantly increasing your profit margins, we work independently from your in-house team and bring a fresh, exclusive strategy that’s tailored to the gaps in your current marketing. We’re not here to replace what works—we’re here to solve what’s not working.
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I don’t think I have the budget for this right now.We completely understand that budget concerns are real. Unfortunately, if you don’t have the budget to meet our qualifying conditions—$30,000 to $50,000 monthly revenue and at least $100 per day for ad spend—it’s a sign that you might not be ready to scale just yet. And that’s okay. We don’t force anyone into a partnership. If your current strategy is producing plateaued income and you aren’t able to invest in growth, it’s likely that continuing with what you’re doing will keep you stuck at the same level. We’re here to work with businesses that are prepared to take that leap toward exponential growth—from 5 figures to 7 figures. When you’re ready, we’ll be here to solve the challenges that have been keeping your business from reaching its full potential. Our services aren’t for everyone—they’re for business owners ready to take their growth seriously. If that’s not where you are yet, we wish you the best and encourage you to keep refining your current approach.
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Why should I trust your company?Trust is earned, not given. We don’t expect you to just take our word for it. We’re here to solve the challenges your business is facing, not just to provide a cookie-cutter solution. When you partner with us, our results will speak for themselves. We only work with clients who are serious about scaling and addressing their biggest problems—because we’re not interested in anything less than success.
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I’ve tried other agencies before. Why will this time be any different?If other agencies have let you down, it’s usually because they were more focused on selling you services than actually solving your business’s specific issues. We start by understanding the problems that are keeping you from scaling, and we don’t move forward until we have a strategy that tackles those issues head-on. This time will be different because we’re not selling a service—we’re offering solutions that get to the heart of what’s holding your business back.
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Can I just handle my ads myself?You can run your ads, and you might even see some returns. But the real question is, are you getting the most out of your efforts? Most businesses waste a lot of money because they don’t have the right strategy to guide their ad spend. If you’re asking this question, it might indicate that your current approach isn’t solving the core problems. We come in to fix the inefficiencies you may not even be aware of, ensuring your ads generate the highest possible returns.
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When can I expect to see results?Every business has its unique challenges, and the timeframe depends largely on the extent of those challenges. However, based on our experience, significant results typically become apparent within six months of consistent effort. If you’re expecting immediate fixes or quick returns, that’s often a sign of a deeper underlying problem. We work on addressing those issues head-on to ensure lasting results.
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6 months is too long. Why do I need to wait so long to see results? I want faster!We understand that every business owner wants quick results, but the reality is, that scaling a business takes time—especially if you’re aiming for long-term, sustainable growth. Six months is a conservative estimate to ensure that we address the root issues that are keeping your business from scaling. If you’re looking for faster results, it’s likely because the strategy you’ve been using has been focused on short-term gains rather than solving the deeper problems. Our approach is about building a strong foundation for growth, which takes time but yields much higher returns. Faster solutions often mean overlooking critical issues, leading to wasted money and stalled growth later. Think of the 6 months as a solid investment in future-proofing your business. If you’re serious about reaching 7 figures, it’s important to solve your problems right—rather than just fast. Slow is Fast, and Fast is Slow.
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How do I know if this partnership is right for my business?If you’re looking to scale your business and want to partner with experts dedicated to achieving tangible results, this partnership is an ideal fit. We handle the strategic and technical aspects of your marketing, allowing you to focus on what you do best—growing your business and serving your customers. Only book a call with us if you meet the following minimum requirements: (1) Your business is generating $30,000 to $50,000 in monthly revenue, (2) You are willing to spend a minimum of $100 per day on ad spend, and (3) You are serious about scaling your business from 5 figures to 6 figures.
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What makes your strategy different from others?Most businesses are stuck because they’re focused on short-term fixes instead of long-term, scalable solutions. Our approach digs deep into the root of the problem, instead of just offering band-aid fixes. It’s not about what’s different—it’s about how effectively we solve the underlying issues that are holding your business back. The difference lies in the fact that we don’t sell dreams; we build solid foundations to ensure your business is prepared for consistent growth.
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Do you offer a refund policy?Due to the nature of digital marketing and the substantial work that goes into each campaign, we do not offer a refund policy. However, our guarantee to work without additional fees (including covering ad spend) until results are achieved is a testament to our dedication to delivering on our promises.
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What payment methods do you accept?We accept PayPal and Wire Transfers.
Who Is This For?
HealthFLEX is designed for high-income business owners and individuals aged 0 - 45 years old who understand the importance of premium protection and are ready to invest in their health and wealth preservation. (Note: While the issue age for HealthFLEX extends up to 70, we specifically cater to this age range as a preference for building long-term relationships and maximizing value, not as a limitation.)
This plan is ideal for individuals who:
• Can invest up to Php 39,000/month for 5 years for Ultra MAX Coverage or Ultra Coverage.
• Can invest up to Php 19,000/month for 10 years for Ultra MAX Coverage or Ultra Coverage.
• Are willing to invest more than Php 50,000/month for larger coverage to ensure comprehensive wealth protection.
• Value premium and exclusive benefits, knowing that top-tier protection comes at a price.
• Understand that HealthFLEX is a premium critical illness plan designed to complement the gaps left by HMO and PhilHealth, especially for high-stakes health concerns.
• Want to protect their hard-earned wealth by preventing potential financial loss due to a single critical illness, ensuring that their lifestyle and assets remain secure.
Who Is This Not For?
While the issue age for HealthFLEX extends up to age 70 and even if they can invest larger amounts, my personal preference is to work with high-income business owners and individuals aged 0 - 45 years. This allows me to focus on long-term relationships and tailored financial strategies that maximize the benefits of planning within this age group.
• Cannot afford to invest Php 39,000/month for 5 years or Php 19,000/month for 10 years for Ultra MAX Coverage or Ultra Coverage.
• Are looking for a plan to cover common hospitalizations (HealthFLEX is specifically designed to cover severe illnesses, not everyday healthcare costs).
• Do not see the value of wealth protection through insurance, and prefer to rely solely on wealth accumulation products like stocks or real estate.
• Are under the impression that PhilHealth or HMO benefits alone will cover all the costs of severe illness treatment, medication, and rehabilitation, without recognizing the potential gaps in coverage that HealthFLEX can bridge.
However, there is an EXCEPTION
If you’re over 45 and comfortable investing millions in monthly premiums, there’s something even more exclusive than HealthFLEX that only a select few will qualify for—my “Exclusive Insurance Structure.” This is not a plan for just anyone; it’s reserved for those who value ABSOLUTE QUALITY and see me as a trusted, high-caliber insurance partner. I’m as discerning about my clients as you are about choosing the right person to safeguard your wealth. If you believe I embody the confidence and expertise you seek in a premium partnership, and you’re prepared to invest at this elite level, then book a call with me. Only the top 1% of business owners and high-income individuals will qualify for this superior, handpicked insurance plan.
solutions@jonhprilbacus.com
09499865896
Cebu City, Philippines
© 2025 by Jonh Pril Bacus. All right reserved.
Life is unpredictable, and sometimes your financial situation might change.
HealthFLEX offers several non-forfeiture options to ensure that your policy remains valuable even if you can’t continue with regular premium payments.
