Choosing The Right Policy |
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LIFE PLAN |
Losing a loved one can be emotionally, physically and financially draining, but not when you have prepared for it.
Preparation paves the way for a more peaceful, less expensive and worry-free future.
Eternal Plans' life plan allows you to replace worry with planning against the unexpected, the sudden, and the inevitable.
Why worry when you can plan?
Our memorial service package guarantees quality and dignified memorial service and provides you with insurance protection plus cash benefits for your family.
LEAVE NO WORRIES BEHIND. Let Eternal Plans help you prepare ..NOW!
3 Life Plan Products to choose from:
1. Ultimate Gift Plan (UGP)
2. Eternal Cash Package 2 (ECP2)
3. Eternal Value Plan (EVP) life plan with cremation
ULTIMATE GIFT PLAN (UGP)
This is the most affordable life plan with the biggest memorial service benefit, plus comprehensive insurance protection. At a very affordable price one can have the desired kind of memorial service.
PLAN BENEFITS:
1. Memorial Service Benefit (MSB)
Guarantees 200% of the Life Plan Value (LPV) (if the planholder dies before age 75 or 100% of the LPV if he dies at 75 and beyond) to answer for the cost of Memorial Service upon the death of the Planholder.
The Memorial Service to be rendered by our accredited mortuary includes the following:
-Preservation of the body good for 5 days
-Application of Cosmetics
-Casket
-5 days mortuary chapel or home viewing
-Trip to interment or cremation site (within 25 km. Radius)
2. Memorial Service Benefit Increment (MSBI)
Your hedge against inflation. The plan earns 10% of the Life Plan Value (LPV) every year until the planholder's death starting one year after full payment of the plan.
3. Insurance Benefits:
. Waiver of Balance: If the planholder dies during the paying period and before age 75 all unpaid balance is considered paid. The memorial service benefit shall be available for us of the planholder.
. Waiver of Installments due to Total and Permanent Disability: If the Planholder gets totally and permanently disabled before age 66, the installments will be considered paid as they fall due. The planholder needs not worry paying his/her installments.
. Accidental Death and Dismemberment:
If the planholder dies of accidental cause before age 66, a cash benefit equal to 100% of the Pre-Need Price (PNP) will be given to the beneficiary/ies, which can be used for other expenses.
In case of dismemberment, the PLANHOLDER shall receive an amount equal to 100% of the PNP or a portion thereof according to the following schedule:
Loss of Both Hands |
100% of the Contract Price |
Loss of Both Feet |
100% of the Contract Price |
Loss of Sight of Both eyes |
100% of the Contract Price |
Loss of One hand and One foot |
100% of the Contract Price |
Loss of One Hand and Sight of One eye |
100% of the Contract Price |
Loss of One Foot and Sight of one eye |
100% of the Contract Price |
Loss of one hand or one foot |
50% of the Contract Price |
Loss or Sight of one eye |
50% of the Contract Price |
. Cash Assistance: If the planholder dies after one (1) year from the date of purchase of the plan and before age 75, the beneficiary shall an amount equal to 100% of the Life Plan Value (LPV). With this cash assistance, the family shall not be so bereft at the loss of one who provides.
OTHER FEATURES
Assignable - The plan can be assigned to any deceased third party subject to the conditions stipulated in the contract.
Transferable - The plan can be transferred to another person residing within Eternal Plans' marketing areas, subject to certain conditions stipulated in the contract.
Unrendered Service - In the event of death of the planholder and his wish for memorial services cannot be carried out due to some unforeseen events, 100% of the Life Plan Value (LPV), Memorial Service Benefit Increment (MSBI) and all other applicable insurance benefits shall be paid out to the designated beneficiary.
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ETERNAL CASH PACKAGE 2 (ECP2)
If you need to leave "clean-up funds" to pay for whatever financial obligations when you finally leave; if you want to bequeath additional funds for your loved ones; if you want to get a return of your investment and still enjoy your life plan benefits,. this plan is for you.
It gives you the memorial service that you want and an ROI (Return of Investment) fifteen years after the inception of the program, plus insurance protection.
PLAN BENEFITS:
1. Memorial Service Benefit (MSB)
Guarantees 100% of the Life Plan Value (LPV) (if the planholder dies before age 75) to answer for the cost of Memorial Service upon the death of the Planholder.
The Memorial Service to be rendered by our accredited mortuary includes the following:
-Preservation of the body good for 5 days
-Application of Cosmetics
-Casket
-5 days mortuary chapel or home viewing
-Trip to interment or cremation site (within 25 km. Radius)
2. Memorial Service Benefit Increment (MSBI)
Your hedge against inflation. The plan earns 10% of the Life Plan Value (LPV) every year until the planholder's death starting one year after full payment of the plan.
3. Fixed Cash Advantage (FCA)
Return of Installments/Money Back: Hundred percent (100%) of the Pre-Need Price (PNP) shall be given to the Planholder or beneficiary fifteen (15) years after the date of purchase of the Plan, provided the buyer is below age 65 (at inception) and he/she must be able to survive the one year contestability period.
4. Insurance Benefits:
. Waiver of Balance: If the planholder dies during the paying period and before age 75 all unpaid balance is considered paid. The memorial service benefit shall be available for us of the planholder.
. Waiver of Installments due to Total and Permanent Disability: If the Planholder gets totally and permanently disabled before age 66, the installments will be considered paid as they fall due. The planholder needs not worry paying his/her installments.
. Accidental Death and Dismemberment:
If the planholder dies of accidental cause before age 66, a cash benefit equal to 100% of the Pre-Need Price (PNP) will be given to the beneficiary/ies, which can be used for other expenses.
In case of dismemberment, the PLANHOLDER shall receive an amount equal to 100% of the PNP or a portion thereof according to the following schedule:
Loss of Both Hands |
100% of the Contract Price |
Loss of Both Feet |
100% of the Contract Price |
Loss of Sight of Both eyes |
100% of the Contract Price |
Loss of One hand and One foot |
100% of the Contract Price |
Loss of One Hand and Sight of One eye |
100% of the Contract Price |
Loss of One Foot and Sight of one eye |
100% of the Contract Price |
Loss of one hand or one foot |
50% of the Contract Price |
Loss or Sight of one eye |
50% of the Contract Price |
. Cash Assistance: If the planholder dies after one (1) year from the date of purchase of the plan and before age 75, the beneficiary shall an amount equal to 100% of the Life Plan Value (LPV). With this cash assistance, the family shall not be so bereft at the loss of one who provides.
OTHER FEATURES
Assignable - The plan can be assigned to any deceased third party subject to the conditions stipulated in the contract.
Transferable - The plan can be transferred to another person residing within Eternal Plans' marketing areas, subject to certain conditions stipulated in the contract.
Unrendered Service - In the event of death of the planholder and his wish for memorial services cannot be carried out due to some unforeseen events, 100% of the Life Plan Value (LPV), Memorial Service Benefit Increment (MSBI) and all other applicable insurance benefits shall be paid out to the designated beneficiary.
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ETERNAL VALUE PLAN (EVP) LIFE PLAN WITH CREMATION
This is a life plan that provides memorial service benefit and cremation service for people who do not have as yet a memorial lot, or for those who value constant togetherness in a very mobile society, or for those who would want to be cremated than go through the process of decay.
PLAN BENEFITS:
1. Memorial Service Benefit (MSB)
Guarantees 100% of the Life Plan Value (LPV) (if the planholder dies before age 75) to answer for the cost of Memorial Service upon the death of the Planholder or Assignee.
The Memorial Service to be rendered by our accredited mortuary includes the following:
-Preservation of the body good for 5 days
-Application of Cosmetics
-Casket
-5 days mortuary chapel or home viewing
-Trip to interment or cremation site (within 25 km. Radius)
2. Cremation Service (CS)
To complete the services of this package, ETERNAL PLANS shall provide and render Cremation Service through its authorized servicing crematory, Eternal Crematory Corp. Eternal Plans guarantees payment of such service irrespective of the cost at the time of cremation.
3. Memorial Service Benefit Increment (MSBI)
Your hedge against inflation. The plan earns 10% of the Life Plan Value (LPV) every year until the planholder's death starting one year after full payment of the plan.
4. Fixed Cash Advantage (FCA)
Return of Installments/Money Back. Hundred percent (100%) of the Life Plan Value (LPV) shall be given to the Planholder or beneficiary fifteen (15) years after the date of purchase of the Plan, provided the buyer is below age 65 (at inception) and he/she must be able to survive the one year contestability period.
5. Insurance Benefits:
. Waiver of Balance: If the planholder dies during the paying period and before age 75 all unpaid balance is considered paid. The memorial service benefit shall be available for us of the planholder.
. Waiver of Installments due to Total and Permanent Disability: If the Planholder gets totally and permanently disabled before age 66, the installments will be considered paid as they fall due. The planholder needs not worry paying his/her installments.
. Accidental Death and Dismemberment:
If the planholder dies of accidental cause before age 66, a cash benefit equal to 100% of the Pre-Need Price (PNP) will be given to the beneficiary/ies, which can be used for other expenses.
In case of dismemberment, the PLANHOLDER shall receive an amount equal to 100% of the PNP or a portion thereof according to the following schedule:
Loss of Both Hands |
100% of the Contract Price |
Loss of Both Feet |
100% of the Contract Price |
Loss of Sight of Both eyes |
100% of the Contract Price |
Loss of One hand and One foot |
100% of the Contract Price |
Loss of One Hand and Sight of One eye |
100% of the Contract Price |
Loss of One Foot and Sight of one eye |
100% of the Contract Price |
Loss of one hand or one foot |
50% of the Contract Price |
Loss or Sight of one eye |
50% of the Contract Price |
. Cash Assistance: If the planholder dies after one (1) year from the date of purchase of the plan and before age 75, the beneficiary shall an amount equal to 100% of the Life Plan Value (LPV). With this cash assistance, the family shall not be so bereft at the loss of one who provides.
OTHER FEATURES
Assignable - The plan can be assigned to any deceased third party subject to the conditions stipulated in the contract.
Transferable - The plan can be transferred to another person residing within Eternal Plans' marketing areas, subject to certain conditions stipulated in the contract.
Unrendered Service - In the event of death of the planholder and his wish for memorial services cannot be carried out due to some unforeseen events, 100% of the Life Plan Value (LPV), Memorial Service Benefit Increment (MSBI) and all other applicable insurance benefits shall be paid out to the designated beneficiary.
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