Philippine Prudential Life Insurance Company

Updated  March 3, 2018:

Thank you very  much, Jun P., for updating us here:

Latest NOTICE to the Public from the Insurance Commission, published in the March 2, 2018 issue of Philstar:

Notice is hereby given that Phil. Prudential Life Insurance Co. Inc. (PPLIC) previously placed under conservatorship and receivership for cause by the Insurance Commission is now due for liquidation. The Insurance Commission appointed Atty. Iris Sylvia Lucero Bonifacio as liquidator effective Feb. 7, 2018.Parties having claims against the company are hereby notified to file their claims under oath with the liquidator not later than 180 days from the date of the last publication of the notice on Mar. 16, 2018 or until Sept. 12, 2018 together with all supporting documents detailing the character, basis, and amount of each and every claim either personally or by mail directly to the liquidator’s address at 5th floor, AIC Burgundy Tower, ADB Ave. corner Garnet and Sapphire Roads, Ortigas Center, Pasig City or the Insurance Commission 1071 UN Avenue Manila, for consideration in the company’s liquidation pursuant to pertinent provisions of the Amended Insurance Code.Claims filed after Sept. 12, 2018 shall be barred forever and shall not be allowed to participate in any manner whatsoever in any kind of disposition, partition, distribution or settlement in the liquidation proceedings against the abovementioned insurance company.



According to Jun P. who has been contacting the Insurance Commission about  Philippine Prudential Life Insurance Company (PPLIC), the Insurance Commission has started the LIQUIDATION process for PPLIC on February 7, 2018.
insurance failure girl sad
LIQUIDATION of PPLIC means  tuluyan nang magsasara ang PPLIC at ibebenta na ang lahat ng natitirang assets and properties para merong pambayad sa mga claims against the company (claims ng planholders at creditors).  Thanks, Jun, for the definition.


According to Fel M, she emailed Atty. Iris Bonifacio, the liquidator of PPLIC, on Feb 21, 2018, and this email below was Atty. Bonifacio’s response. I am guessing that this email below is the standard email that Atty. Bonifacio emails to anyone emailing her asking about PPLIC. Thank you, Fel, for sharing with us Atty. Bonifacio’s response:

Dear PPLIC Policyholder,
Philippine Prudential Life Insurance Corporation (PPLIC) had been placed under liquidation by the Insurance Commission and appointed the undersigned as the Liquidator of the company. The Liquidator took her oath of office on 07 February 2018.

With the current financial position of PPLIC, it is in the condition of insolvency as defined under Section 200 of the Amended Insurance Code, that states:

xxx “The term Insolvency means the inability of an insurance company to pay its lawful obligations
as they fall due in the usual and ordinary course of business as may be shown by its failure to maintain the solvency requirements ” (emphasis and italics supplied.)

It is for this reason that PPLIC was placed under liquidation since the Insurance Commissioner had determined that it is insolvent as defined in the Insurance Code. It cannot resume business with safety to its policyholders and creditors and as public interest requires, ordered its liquidation. The Commissioner had designated a Liquidator who, with convenient speed, reinsure its outstanding policies, convert the assets of the PPLIC to cash, sell, assign or otherwise dispose of these to the policyholders, creditors and other parties for the purposes of settling the liabilities or paying the debts of PPLIC. The Liquidator may also institute such actions as may be necessary in the appropriate court to collect and recover accounts and assets of PPLIC and to do such other acts as may be necessary to complete the liquidation as ordered by the Commissioner.

As Liquidator, I have to hire an IC-accredited external auditor to audit the financial statements of PPLIC and hire an accredited Actuary to determine the liquidation value of PPLIC’s liabilities to its policyholders and other creditors.

I must also take control of all the assets of PPLIC and convert the same to cash for its distribution according to the approved Liquidation Plan. Note that properties of PPLIC must be sold in a public auction or negotiated to at least three (3) prospective buyers so publication of the sale must be made. For club share to be sold, preferential rights of the club must be observed. For shares of stocks, the current market value will be the basis for the selling price.

In accordance with CRL Memo No. 10-2009 of the Commission, liquidation must should be finished within two (2) years from the date of appointment or within six (6) months from the date of the prescription period given through publication to claimants to file their claims, whichever comes later.

So, dear policyholder, please await the Notice that will be published in a newspaper of general circulation (usually the Philippine Star) for you to file your claim (s).

Atty. Iris L. Bonifacio


Instruction by the Insurance Commission to PPLIC planholders (as stated in the Insurance Commission’s Notice of Stay Order issued on September 18, 2017 regarding the receivership of PPLIC)

File and address your claims to:

Insurance Commission
Thru Atty. lris Sylvia Lucero Bonifacio
Suite 507 Pacific Center Building
San Miguel Ave., Ortigas Business Center
1605 Pasig City


Insurance Commission
Thru Atty. Iris Sylvia Lucero Bonifacio
1071 United Nations Avenue, Manila

What documents should be filed?
Wala pang na-release na formal Notice to the Public regarding Claim Filing, but while you are waiting, you can prepare your documents based on the list given to Danvil Planholders, as follows:

a. Policy Face Page
b. Contract Provision
c. Certificate of Full Payment (If plan has been fully paid)
d. Photocopy of 2 valid IDs (Passport, Driver’s License, PRC ID, SSS/GSIS ID, Company ID, PhilHealth ID and other government-issued IDs with photo and signature of the planholder)

In case of loss of any of the above documents, submit a notarized Affidavit of Loss.

NOTE: File photocopies, but be ready with the original copies.

The Philippine Prudential Life Insurance Company (PPLIC) was placed by the Insurance Commission under CONSERVATORSHIP on November 4, 2016.

PPLIC is no longer allowed to sell new insurance products pending compliance with regulatory requirements effective November 4, 2016.

Atty. Moises A. Balon has been appointed as Philippine Prudential’s conservator.

PPLIC policy holders can file their claims with the conservator together with all supporting documents detailing the nature of their claims, basis and amount of each and every claim, either personally or by mail.

Address of Atty. Balon:
Suites 305-309 3rd Floor
AIC Burgundy Tower
ADB Avenue corner Sapphire and Garnet Roads
Ortigas Center, Pasig City
Phone: 902-2330

Here’s a list of troubled insurance companies as of Nov 2016.


These notes below were written in 2010
Since Philippine Prudential Life Insurance Company is associated with Danvil Plans, we’re going to write some information about this company.  A lot of info here were taken from the website of the Insurance Commission.

Philippine Prudential is an insurance company; it is not a pre-need firm.

It is different from pre-need firm Prudential Life Plans Inc. whose license was revoked by the SEC in 2009. These two firms are not affiliated with each other.

Philippine Prudential is one of 35 life insurance firms  whose licenses have been renewed by the Insurance Commission every year for the past years.  Their newest licenses are for the license year 2009 to 2010.

Of the 35 life insurance firms, Philippine Prudential is:

  • 17th in ranking based on premium income as of December 31, 2009
    640,144,183  pesos
  • 17th in ranking based on first-year premium as of December 31, 2009
  • 22nd in ranking based on paid-up capital as of December 31, 2009
    123,807,730 pesos

As can be seen on both the websites of Philippine Prudential and Danvil Plans and in SM malls, the two firms use the same sales offices in SM Pampanga, SM Fairview, SM North Edsa, SM Megamall and SM Southmall.


Add a Comment
  1. Hello Anne,

    Ang mai-advise ko lang sayo is to call the Insurance Commission at i-verify kung andun name mo sa list of claimants (JUST TO BE SURE). Meron list ang PPLIC Liquidation Committee. Magkaiba kasi yung handling attorneys nung period of conservatorship and period of liquidation. Ang appointed conservator noon ay si Atty. Moises Balon samantalang ang appointed liquidator naman ay si Atty. Iris Sylvia Lucero Bonifacio

  2. Hello po.

    Nagfile na po ako ng claim for Cash Value last year March pa sa main office nila tas pinagawa ako ng letter nakaindicate ung reason at amount based sa year kung nakailang years ka na nakapaghulog. Ako kasi is 3 yrs nung Feb last year. Ang sabi sakin is mag-antay na lang ng notice kung kailan makukuha ang claim dahil nga sa under conservatorship ang PPLIC. So kailangan prin magfile sa office ng Atty at kapag nagfile ba sa office ni Atty. kahit un na lang ang ipakita?

    Please advise po.


  3. Hello Fhey,

    Kung regular naman ang pagbayad mo ng premium at IN-FORCE naman ang policy mo nung inabot ng period of conservatorship na nagsimula nung Nov. 4. 2016 meron basis ang claim mo Fhey. Sayang din ang 45K na binayad mo.

  4. Good day!

    so kung sa 5 years to pay po ba at isang taon plng ung nabayaran mo dahil bigla silang under investigation, thank you nlng po ba ung total of 45,248.00 na binigay sa kanila?

  5. Hello again Archie,

    Kung fully paid ka dapat ipaglaban mo ang FULL REFUND in the interest of fairness. Masyadong agrabyado ka kung cash value lang kasi baka wala pa sa kalahati ung babalik sayo. Advise ko lang na ang ilagay mo sa claim letter mo ay humihingi ka ng FULL REFUND. Wala naman sa atin ang pagkukulang kung bakit bumagsak ang PPLIC

  6. Thanks Sir Jun. Aabot pa pala ng 2years. Nagtaka po ako Sir Jun, nung mag-file po ako ng claims sinabi sa akin na Cash Value po ung isaad ko sa letter kahit fully paid na po ako. May paraan pa po ba para ma-claim ko ung full-amount na binayad ko?

  7. Ann, compute mo total na naihulog mo premium payment for 6 years at yun ang i-apply mo for refund in your claim letter. Naka 6 yrs. ka rin out of 12-year paying period

  8. Paano po pag March 2011 yung first payment. Premium paying period of 12 years. Last payment, 2017. Nasa magkano po kaya ma-cclaim ko Sir Jun? Thanks.

  9. Hello again Ann,


    Kung FULLY PAID NA AT HINDI PA MATURE – FULL REFUND. Suma total mo lahat ng binayad for the policy

  10. Paano po malalaman ang amount of claims?

  11. Hello Ann,

    Yes, CLAIM LETTER detailing the nature, basis, character and amount of claims at i-attach dito lahat ng requirements (PHOTOCOPIES) which you enumerated.

  12. Aside from mentioned requirements below:

    a.Policy Face Page
    b. Contract Provision
    c. Certificate of Full Payment (If plan has been fully paid)
    d. Photocopy of 2 valid IDs (Passport, Driver’s License, PRC ID, SSS/GSIS ID, Company ID, PhilHealth ID and other government-issued IDs with photo and signature of the planholder)

    Meron pa po ba kailangan i-submit? Like letter/s? What kind of letter po. Thanks Sir Jun

  13. Hello again Ginalyn,

    Kailangan nating alamin ang nilalaman ng ating policy. Yan ay kontrata na LEGALLY BINDING between you and the insurance company. Dapat alam din natin ang MATURITY DATE nito. Naka-indicate yan sa kontrata. Pag fully paid ka na at umabot na sa maturity date ng policy, MATURITY BENEFITS ang dapat mong makuha. Ang maturity benefits ang MAXIMUM na makukuha mo sa isang policy na nag-mature (HIGIT PA SA KABUUANG HALAGA NG NAIBAYAD MO ANG BUMABALIK SAYO), minsan doble at triple pa at ito ang kagandahan ng isang insurance policy kaya tayo kumukuha nito.

    Pag fully paid na ang policy mo at HINDI PA MATURE, maaaring FULL REFUND lang ang habol natin- ibabalik lahat ng naihulog nating premiums.

    Ang CASH SURRENDER VALUE ang PINAKAMALIIT na posibleng makuha sa isang policy. Applicable ito kung hindi ka pa fully paid sa policy at NAISIPAN MO NG HINDI ITULOY O NAWALAN KA NG KAKAYAHAN SA PAGBAYAD DITO. Karaniwan nagkakaron lang ng cash value ang policy on the 2nd or 3rd year of payment at HIGIT NA MALIIT ITO SA TOTAL NA BINAYAD MO- maaaring wala pa sa 30 or 40% na lang ang maibalik sayo.

  14. Hi Sir Jun
    Nakatawag na po ako kay Ms. Reggie Ladra. Sge told me no need na daw to have Certificate of full payment since may record naman sila. I will submit the requirements and letter as instructed by Ms. Ladra. However medyo naguguluhan po ako sa sinabing Surrender Value or mag Full Refund

  15. Hello Marcopolo,

    Pwede naman mag-file ng claim kahit hindi pa fully paid. I-submit na lang rin ang documents na meron tayo.

  16. Hi Po pano Po kung Hindi pa fully paid Ang policy I’m about to finish the payment this year, pano Po Ang basis Ng claims? I’m an ofw kya wla Po akong copy Ng most of the statement of accounts

  17. Hello Brien,

    Lahat ng requirements sa pag-file ng claim ay nakalista sa HEADING NG BLOG.
    Ang mai-advise ko sayo sa ngayon ay hagilapin na lahat ng requirements at ipa-PHOTOCOPY. Gawa ka na rin claim letter at detalyehin ang basehan ng claim, itemize all policies kung marami at kung magkano na naihulog sa bawat policy- date of first and last payments.

    Mas OK sana Brien kung personal mong mai-file para SUREBALL na makarating sa liquidator’s office or IC mismo at mapa-sign at date-stamped mo ang receiving copy.

    Kung ilan percent ang ma-claim, HINDI KO MASAGOT Brien. Depende yan sa assessment ng liquidation committee na mag-review lahat bg claims.

    Tungkol sa AUTOMATIC PREMIUM PAYMENT, palagay ko kelangan mong linawin ito sa boss mo. Pwede kasing auto-debit arrangement ito na kakaltasin sa kanyang credit card ang pambayad sa premium or pwede rin PREMIUM DEFAULT OPTION ng kanyang policy. Kung may sapat na cash value ang policy, dito binabawas ang premium pag hindi nahulugan sa due date. Kung PARTICIPATING POLICY naman ang hawak ng boss mo at may sapat na dividends, pwede rin dito ibawas ang premium pag hindi nahulugan on time.

  18. Tska may sinasabi po sya sakin na sa contract daw po pag hindi nakapag hulog, authomatic PREMIUM PAYMENT? Ano po ibig sabihin nun? Hindi kasi ako familiar sa mga Insurance Policies

    Thank you po ulit

  19. Hi Sir Jun, secretary po ako ng policy holder. Pinapa-asikaso po sakin yung pag claim ng refund nya. out of the country po kasi ang boss ko. Ang sabi nya nung nalaman nya na palugi na yung Phil. prudential Life ini-stop na nya ang pag hulog. May makukuha po ba sya na refund? kung meron mga ilang percent po kaya ng nahulog nya? Ang ano po kaya magandang gawin ko? Personal ko po ba na ipasa ung mga requirements nya sa pag claim or via email nalang po?

    Pasensya na po ang hirap kasi hanapin kung sa internet lang ng mga tanong ko hehe.

    Thank you po Sir.

  20. Hello Archie,

    Lahat ng claims na naka-file ay isa-isang binubusisi ng liquidation committee at ginagawan ng final computation ng mga accountants kung magkano ang ibabayad. Pag liquidation proceeding kasi, talagang dumadaan sa ganitong proseso. Sa CRL Memo na na-issue nung nakaraan ng Insurance Commission, nakasaad na MAAARING UMABOT NG 2 YEARS ang proseso.So talagang ANTAY-ANTAY lang ang magagawa natin sa ngayon. Gustuhin man nating mga policyholders na maibalik at makuha agad ang ating refund

  21. Hi po Sir Jun, last Nov. 2017 pina received ko po sa PPLIC ang claims ko at na received naman nila. Dito po ako ngayon sa iloilo. Gusto kong makuha ang cash value ng aking insurance. Paano po gagawin ko para mapadali ang aking claims?

  22. Hi po Sir Jun, last Nov. 2017 pina received ko po sa PPLIC ang claims ko at na received naman nila. Dito po ako ngayon sa iloilo. Fully paid na po ako at gusto kong makuha ang cash value ng aking insurance. Paano po gagawin ko para mapadali ang aking claims?

  23. Hello Ginalyn,

    In filing a claim, records become VERY IMPORTANT in support of your claim. You may be at a DISADVANTAGED SIDE if you are not in possession of sufficient and complete documents. In the final computation of your claim, your documentary proofs will be compared to and counter-checked with the records in PPLIC’s possession. You can only hope for the best that your records of payment held by PPLIC are still intact and consistent.

    In the end it will be your proof against theirs. KUNG MAY INCONSISTENCIES, MEDYO MAHIRAP ILABAN GINALYN KUNG WALA TAYONG PINANGHAHAWAKAN. I hope I answered your question

  24. Hi Sir, what if you don’t have all the receipts as proof na fully paid ka na? Do i need to make Affidavit of Loss for Certificate of Full Payment? (Actually di ko tanda if they have given it to me last March 2014)

  25. Thank you so much Sir Jun… noted.
    God bless po.

  26. Hello again Claire,

    The STANDARD List of Requirements in filing a claim are in the heading of this blog.These are the ones that CARRY WEIGHT as documentary proofs. if you don’t have any of these, next best thing is to just attach PHOTOCOPIES of official receipts of payment or statements of account in your claim letter.

    In the latest Notice to the Public issued by IC last february 2018, the address of the appointed liquidator, Atty. Iris Sylvia Bonifacio, AS WRITTEN, is at 5th Floor, AIC Burgundy Tower. This was formerly the head office of PPLIC.

    If you cannot file it personally, considering your personal circumstances (from Cebu and preggy at that), I WOULD SUGGEST you file your claim by mail directly to the Insurance Commission’s address c/o Liquidator Atty. Bonifacio. Also put a subject label e.g. PPLIC Claim. WHY direct to IC? Because the security guards at AIC Burgundy don’t know where the office of the liquidator is. Your claim letter might just end up getting lost or returned to addressee.

    Rest assured that people at the Insurance Commission are very accomodating. YES you can call them during office hours to confirm if they received your docs. Just tell them it’s about PPLIC Claim and your call will be transferred to the concerned office/dept.

  27. Thank you sir for the reply.. so in order for us to file our claims we need to send all our supporting documents to this add thru mail?:

    Insurance Commission
    Thru Atty. lris Sylvia Lucero Bonifacio
    Suite 507 Pacific Center Building
    San Miguel Ave., Ortigas Business Center
    1605 Pasig City

    How can we confirm it po if they received our docs? Is it ok to call them? I can’t hardly visit in their main office po coz I live in Cebu and this time I am 8mos.pregnant so can’t submit my docs in person.

  28. By the way po..what if wala akong certificate of full payment, and I only have here a statement of account as proof that I am fully/completely paid, will this be ok? Thank you.

    Is there any feedback po ba sa mga nag consult sa insurance commission’s office?

  29. Hello Claire,

    PPLIC is currently undergoing liquidation proceedings since Feb. 7, 2018. The only office I know that is still operating with a skeletal force to service claims of policyholders is the Head Office at AIC Burgundy Tower, Ortigas, which also serves as the Office of the Liquidator.

  30. Good day.. may I know if PPLIC has still any offices here in Cebu? Thank you.

  31. Hello Edna,

    Ask ko lang kung kailan ang iyong last payment? At kung meron ka mga receipts of payment?

  32. Good day! What if ang policy po ay 10 years to pay pa. Pero l was able to pay na for four years. Can l still file for a refund? Thanks so much and God bless


  33. Hi sir jun
    Thankyou po sa mabilis na reply sakin..cge sir itatago ko nlng muna wait nalang nga hehe salamat po atleast may patutunguhan pag aantay natin lahat hehe..ang daya ng PPLIC pede naman pla dating magbayad sila pinatagal pa nila mga manloloko tlga sila haist..karma na bahala sakanila..thanks ulit sir jun godbless po ..update update nlng po hehe

  34. Hi again Albert,

    Kung May 2017 ka nag-file ng refund dapat nai-process agad yun at naibalik na sayo ang refund kasi technically under conservatorship pa lang nun ang PPLIC at pwede pa sila mag-release ng payment kung gugustuhin lang nila. Ito ay ayon sa guidelines ng Insurance Commission. Ang stay order kasi ng IC, na pansamantalang nagtitigil ng payment, ay naging effective lang nung sept. 26, 2017 during the receivership stage.

    Ang hindi ko maintindihan sa PPLIC kung bakit taon ang inaabot ng processing samantalang sa ibang insurance co. na meron din akong policies araw lang bibilangin from processing to payment. Ayon sa Insurance Commision Albert kung nakapagfile ka na before itago mo lang mga receiving copies as documentary proof of claims filed at meron din naman date stamped yan kung kelan nai-file. Antay-antay na lang tayo ng notice of payment.

    I hope I answered your concern Albert.

  35. Hello sir jun
    Thanks sa response mo last May 8, 2017 lang sir pero may copy pa nman ako ng refund letter at may pirma un ng nagrecieve kya may pinanghahawakan pa nman aqng papers..anu po dpat kung gawin sir need ko pba mag file ng refund letter kay atty bonifacio?or ok na po yung nafile kung refund letter dati sa PPLIC?thanks sir sna makuha na natin mga refund natin haist..

  36. Hello Albert,

    PPLIC was placed under conservatorship last Nov. 4, 2016. It was placed under receivership WITH STAY ORDER ON PAYMENT OF CLAIMS Sept. 26, 2017. And eventually went under liquidation Feb. 7, 2018 when it cannot put up the required capitalization of 550 million required by the regulator, Insurance Commission, end of year 2016. Ask ko lang kung kelan ka nagfile ng refund? Kung during conservatorship kasi technically, it’s BUSINESS AS USUAL dapat ang company including PROCESSING AND PAYMENT of claims AFTER PROCESSING. Yun ang nabasa ko sa guidelines ng IC na kelan ko rin lang nalaman. Nung tinanong ko ito sa PPLIC, medyo hirap silang sagutin.

  37. Hello good evening panu po gagawin pra mag claim ng policy..sobrang tagal na kc ng refund ko ndi nman sya sobrang laki almost 10k lng pero pinaghirapan ko din kc un pero lging sinasabi sakin under conservatorship and receivership panu po gagawin ko nasurrender ko na mga papers sknila kinuha kc nila ee..bali pinanghahawakan ko nlng un resibo pag nag bayad ako sa bdo ska ung ibang papers about sa PPLC..i hope you can give me a big help slamat

  38. Thank you po sir Jun, nasa Akin po lhat payment slip.

  39. Hi Jun!

    thanks sa advise! we will definitely do that sa next visit ng brother ko. Super hassle talaga nitong situation naten.

    Hi Princess,

    We’re in the same situation. Philippine passport and PR Card lang din valid Ids ko ung passport ko kakaexpired lang hahaha. Nabasa ko naman sa website ng Phil Consul na considered as valid ID ung PR card.

    let’s all hope for the best.

  40. Thankyou so much po Sir Jun sa pag reply. Godbless you po.

  41. Konichiwa Princess.

    Andito kami para tulungan ka. Ang importante sa ngayon ay mai-file mo agad ang iyong claim kasi may deadline ang filing. Kung may kamag-anak ka dito sa Pinas pakiusapan mo na lang kung pwede maging representative mo. Gawan mo Letter of Authority (LOA). Padala PHOTOCOPIES ng lahat ng documents mo at IDs para mai-file sa liquidator’s office. Pag nagawa na yun antay ka na lang ng reply o kung ano man updates. Stay tuned to this blog. Pursigido tayo dito

  42. Hello po Sir, tanong ko lang po ano pong gagawin ko kasi wla po ako sa Pinas paano po ako makakapag claim sa PPLIC at ang valid I.D ko lng po eh passport at residence card ko lng dito sa Japan or kailangan po ba dapat umuwi nalng ako?.
    Sana matulungan nyo po ako Salamat po.

  43. Good day Ros,

    Sa palagay ko walang maging problema kung magbago signature mo kasi natural naman nagbabago penmanship at signature in time. Ang pirma natin nung bata-bata pa tayo maaaring iba na pag tayo’y magkaedad. Kaya nga sa bank di ba madalas hinihingan tayo ng latest or update signature.

    No worry Ros.

  44. Hi again Carla,

    In my case Carla for the receiving copy pinaphotocopy ko ang aking Claim Letter at pina-sign ko sa nagreceive at date stamped para WALANG KAWALA. Andun ang name at pirma ng nag-receive para WALANG KAWALA. Sa dami kasi ng magfile baka maLOST IN TRANSLATION. Anyway, in your case, follow-up mo na lang. Sa tingin ko wala naman maging problema sa expiring passport mo kasi intact naman ang data mo dun kahit expired. At kung sakali naman may kulang pa sa naisubmit mo documents may darating sa return address mo na Notice of Deficiency galing sa Liquidator’s Office. Ganun ang alam ko procedure sa liquidation process.

  45. Good morning sir jun.
    Concern ko po ay yung signature sa policy at valid ids. Iba ang pirma sa policy at sa valid ids. Binago yung mga pirma sa valid ids.

    Available ang Old/expired DL id with same signature sa policy at yung new/renew DL id with new/different signature sa policy.

    Ano pong pwedeng gawin or isubmit?
    Makakakuha pa kaya ako ng refund sir?

    Salamat sa pagsagot sir jun.

  46. Hi Jun,

    Thank you for your quick response. Regarding sa receiving copy, walang na tanggap ung brother ko, pinapabalik ulit sya ulit ng office after mareview & ma-verify ung mga documents na finile naming. baka dun p lang sya bibigyan ng receiving copy na kung ok n lahat.

    Complete nmn lhat ng papers ko, ang issue ko lang ung isang valid ID ko which is phil passport is expired na (april 2, 2018 to be exact) pero nung time n finile sya ng brother ko 2 weeks before that. nag renew na rin ako ng passport ditto sa CANADA just in case -pero sa May 11 ko pa makukuha…sa tingin mo magkaka-issue ba? balak ko namn I update ung office ng liquidator once na nakuha ko na ung bagong passport ko.. sak valid pa ung ID ko nung sinubmit ng brother ko.

    thanks in advance


  47. Andito sa Manila ang PPLIC Liquidator’s Office na si Atty. Iris Sylvia Lucero Bonifacio. Sa 5th Flr. AIC Burgundy Tower sa Ortigas or pwede rin sa Insurance Commission. Mas ok sana kung may mapakiusapan ka na representative dito para siguradong makarating sa liquidator’s office. Kung wala naman, ipa-registered mail mo na lang. Save ANY PROOF that it was sent by registered mail just in case.

  48. Hello again Jam,

    Very good kung may pinanghahawakan kang mga documents. I would suggest na ipa-photocopy mo na lahat then gawa ka na rin ng claim letter detailing your claims with computatation on how much you have already paid. Attach mo sa claim letter lahat bg supporting documents (photocopies) then file with the liquidator’s office

  49. Sir jun,

    Paano po mag file sir?. Saan din mag file?. Wala kasi ako sa manila sir. Yung labb plus policy na lang ang hahabulin ko sir kasi may mga documents ako.

    Salamat sa tulong sir jun.

  50. Hello sir jun.

    Nasa akin po lahat ng binigay nila sa akin. Kumpleto po lahat. Receipt, statement of account, etc. Yung policy na na avail ko ay yung labb plus.

    Ang hindi nila naibigay ay yung policy sa health insurance nila kasi galing manila ang tawag. At 1yr expiration yon.

  51. Good day also Jam,

    Ask ko lang kung may pinanghahawakan ka sa ngayon na kahit anong dokumento patungkol sa na-avail mong policy? Pag nagfile kasi ng claim sa liquidator’s office kailangan magpresent ng basehan (mga dokumentong patungkol dito) na pag-aaralan ng committee para magawan ng kaukulang aksyon. Kung wala kang maipresentang dokumento malamang hindi umusad ang proseso Jam.

  52. Good day sir jun.

    Isa din po akong PPLIC holder. Sa Davao branch sir. LABB Plus yung na avail ko. Dec. 12, 2015 yung effective date. Annually po yung payment mode ko. 28, 500/annually. At may initial premium worth 9k. Total of 37,500 ang binayad ko non. Atm ang pagbayad ko. Ang 9k sir is non-refundable daw pero yung 28,500 pwede kong kunin after 2 yrs. By 2nd-3rd of 2016 sir,may tumawag sakin about health insurance nila. Ang sabi ko gusto ko muna mabasa yung policy,ipadala nila sa davao branch. Pero nalaman ko na lang binabawasan na nila ang atm ko kahit wala naman akong pinipirmahan na policy. Winithdraw ko na lang lahat ang laman para wala ng makuha. By the end ng 2016 sir Wala na akong atm. Sarado na po. Gusto ko sanang mag parefund sir. Anong gagawin ko sir?. May makukuha pa ba ako sir?. At paano nila ako marerefund kung sarado na yung atm ko?

    Sana po matulungan niyo ako. Salamat po.


  54. Hi again Davy,

    Sa latest advise ng Insurance Commission ang address ng liquidator si Atty. Iris Sylvia Bonifacio ay sa 5th Flr. AIC Burgundy Tower or pwede din directly sa Insurance Commission sa UN Avenue c/o Atty. Bonifacio din.

  55. Thank you sir Jun. I have all my files (original & photocopy) needed for filing of claims. Tanong ko lang kung saan ako magfifile. Sa 5F AIC BURGUNDY EMPIRE TOWER or sa SUITE 507 PACIFIC CENTER BLDG.? Thank you.

  56. Hello Kat,

    Ang galing ng timing mo kung fully paid ka nung Dec. 2016 kasi Nov. 4, 2016 nalagay na sa conservatorship ang PPLIC. Ang alam ko kasi pag fully paid ang policy mas malaki ang chance ng full refund. Matibay ang claim mo kung pinanghahawakan mo ang Certificate of Full Payment. File your claim early.

  57. Hello Davy,

    The actuarial services and accountants of the liquidation committee will do the computation on how much to pay each policyholder. Let’s just hope for the best na makakuha tayo ng full refund – wala pong tiyak at this stage. File na lang tayo claims early.

  58. Paid full since december 2016. May chance kaya na maclaim ko ang full amount na naihulog ko? thanks

  59. Hello Sir Jun!

    Isa rin ako sa policyholder ng PPLIC. I have been paying atleast 5k semi-annually for 5 times. And with regards to this matter, tulong sana ako kung may marerefund ba ko or mairerefund ko lahat ng binayad ko sa kanila. Thank You.

  60. Good day also Sir Ian Paul

    Hindi po kayo nag-iisa sir. All of us policyholders affected by this incident feel the same way.At kaya po tayo andito para tulungan ang isa’t isa.

    Ang mai-advise ko lang sa inyo sir, ayusin na lahat ng dapat ayusin habang andito kayo sa Pinas. Ready all the documents you have on hand (policy contract, official receipts, statement of account etc.) Hagilapin po natin lahat then file a claim with the liquidator or Insurance Commission, kasama lahat ng documents.

    Lakarin na rin natin agad ang pag-terminate ng auto-debit payment sa BDO. Napupunta na po sa wala ang kinakaltas sa ating account. Pera din yun na pinaghirapan natin. Sa estimate ko po base sa kwento nyo mga 117 K na rin ang naibayad nyo. Dito po medyo mabusisi at matrabaho ang proseso kasi 3 parties ang involved – kayo bilang accountholder, ang bank at PPLIC. Sana po magawan nyo agad ng paraan para mahinto ang automatic deduction.

    Good luck sir!

  61. Gud day sir

    Magta2nung lang poh aq., nung ngpa member aq s philippines prudential kinuhanan aq ng 40k ngsimula po un ning june 2014 then after that monthly kinakaltasan aq s account k poh ng bdo ng 1612pesos bli mg4yrs n poh inuulugan yon tpos ngyn klang nabalitaan n magsa2ra n poh pla cla ka2dating kulang galing ibang bansa ano poh b laban k at pano k poh maku2ha ung pera pinaghirapan k s ibang bansa n hinuhulog s philippine prudebtial sna poh ma2lungan nio poh kmi lahat ng nbiktima., salamat poh wait 4 your responed

  62. Hi again Rinalyn

    You can ask your husband to send you photocopies of his valid IDs and Letter of Authority duly signed by him authorizing you to file the claim on his behalf.

  63. Hello again Sir Jun,

    Thanks for your prompt reply. With regards to the IDs, i dont have my husband’s ids. What will i do? And what are the requirements to be submitted for the authorized representative part? Thank you very much.

  64. Hi Rinalyn,
    Yes you can file a claim in behalf of your husband. The list of documents needed are in the heading of this blog. Submit only photocopies of documents

  65. Good am. I would like to ask if i could claim my husband’s refund because he is currently on board? What are the documents needed if i will be his representative to claim? Thank you very much.

  66. Hi again Carla.

    After you have filed your claim it will be a waiting game. Yung 6 mos. to 2 yrs. estimate lang yun. Hanapan pa kasi ng buyer ang lahat ng remaining properties and assets ng PPLIC. Hindi rin naman kasi agad maibenta lahat yun in one sitting. Yung proceeds ng sale ang gagamitin pambayad sa mga claims ng policyholders. Final determination and computation of amount will be made by the assigned accountants of the liquidation committee. Let’s hope for the best that they can do the job in the shortest time possible. If ever na magstart na ang releasing of checks magpost naman ng notice to public ang IC. Ang alam ko by batch ang list at may date kung kailan kukunin para hindi magkagulo at sabay-sabay magpuntahan dun sa venue ang claimants.
    Just save the receiving copy of your filed claims. I dont think that a change of citizenship will affect your claims as long as you have the documents to prove that you are the rightful owner or payor of the policy

  67. Hello everyone!

    just want to ask for an update sana. Ano po ba next step after filing ng claims for refund ng investments naten? kakafile lang po ng brother ko last week sa office ng PPLIC sabi sa kanya call n lang ulit for follow up (after holy week) kasi I-verify pa ung mga docs ng PPLIC.

    regarding po sa release ng cheque/check naten 6 mos to 2 yrs after liquidation? thanks!

    May issue po ba pag magiiba na ko ng citizenship? baka lang po may idea kayo?

    kind regards,


  68. Hello Jen Flores,

    Effectively 2 years ka na nakapagbayad ng policy mo. Hopefully, may cash value na kahit pano. Pero let’s hope we can get a full refund. It’s all up to the liquidation committee to make the final determination. File ka na claim habang maaga.

  69. Hi po. Ask ko lang po, kahit hindi po ba natuloy ang pagbabayad.quarterly po kc ako way ng pagbabayad.. January 9.2015 effective date po ng pagbabayad nun hanggang January 08.2017 lang po nahulugan ko, sumunod na mga buwan na nagdaan hindi na ako nakapag bayad kasi huminto nako mag work, nag aral na po ako. Hindi ganun kataasan ang naihulog ko, pero pag under privelage po tayo malaking tulong na po yun.

    Maaari po bang mairefund yun??
    Thank u po. Gbu

  70. Hi po. Ask ko lang po, kahit hindi po ba natuloy ang pagbabayad.quarterly po kc ako way ng pagbabayad.. January 9.2015 effective date po ng pagbabayad nun hanggang January 08.2017 lang po nahulugan ko, sumunod na mga buwan na nagdaan hindi na ako nakapag bayad kasi huminto nako mag work, nag aral na po ako. Hindi ganun kataasan ang naihulog ko, pero pag under privelage po tayo malaking tulong na po yun.

    Maaari po bang mairefund yun??
    Thank u po. Gbu

  71. Hello Alma

    Kung wala certificate of full payment pwede ang first and last receipts of payment kung naitabi mo pa. Saka policy face page and contract. Send only photocopies.

  72. Hello! Pano po pag wala akong Certificate of Full Payment pero fully paid na po ako?

  73. Photocopies lang JOHN kung ipadala ang documents by mail.

  74. photocopies lang po ba lahat ang ipadala kay atty? or dapat original copies talaga? taga davao po kasi ako

  75. Hello Ja.

    Pwede mag-submit ng documents by mail. Ipa-registered mail mo na lang para mas sigurado makarating sa address.

  76. Hi. Need po ba personally e submit mga documents or pwede po mail na lang? From Bicol pa po kasi ako.

  77. Hello kaye

    Hindi naman po nagbabago ang list of requirements for filing. Kung ano po ang dati yun pa rin ngayon. Nasa heading po on this blog.

  78. hello, me update na po ba salist of requirements for filing? 🙁

  79. Maraming salamat Sir Jun! God bless sa lahat ng policy holders!

  80. Hello Einah,

    Ang alam ko marami-rami na rin ang nakapagfile ng claims at matagal pa naman ang deadline ng filing. Till Sept. 12, 2018 pa. Filing earlier is better.

    Yes pwede magfile ng claim sa office ni Atty. Iris Sylvia Bonifacio sa 5th Flr. AIC Burgundy Tower or directly sa Insurance Commission.

  81. Hello po. Meron na po bang nag-file ng claim for PPLIC? Eto po ba ang address for submission kung pupunta dun personally?
    5th Floor, AIC, Burgundy Empire Tower, ADB Avenue, Corner Garnet and Sapphire Roads, Ortigas Center

    Maraming salamat!

  82. Hi Ben,

    So shocking indeed ang nangyari. hindi ko rin sukat akalain na babagsak ang PPLIC. More than 50 years na siya in the business. I did some research before deciding to take out 3 policies with them. Only a few years back it was consistently in the TOP 15 of insurance companies in terms of premium income, with offices all over the country, even a Readers Digest Superbrands Awardee at that.
    Dahil na rin siguro sa mga pangyayaring ganito kung bakit nawawala ang tiwala ng mga tao sa mga insurance companies. which makes insurance HARD SELL nowadays. Meron lumabas na study na sa Pinas wala pa sa 1% ng population ang may insurance. Nahihirapan tuloy mag-alok mga sales agents to the point that they have to resort to PRESSURE TACTICS para lang makabenta.
    In your case Ben, more than 2 years ka na paying kamo. Alam ko many insurance policies already have cash value by the second year. However, amount is CONSIDERABLY LESS than the amount of premiums paid. Baka WALA PA SA KALAHATI.(Kesa naman wala, di ba.) File mo na rin claim just in case Ben.
    The IC Liquidation Committee will make a final assessment and determination of how much to pay each policyholder. Let’s JUST HOPE FOR THE BEST BEN! – a full refund sana. Good luck to you.

  83. I just tried to search my account online but I was shocked with the news of Philippine Prudential Liquidation. I have paid 2 years premiums already and I was under Auto Debit Arrangement? Will I be eligible to file claims even though 2 years pa lang naman yung naibabayad ko. Di ko rin kasi mapacancel yung ADA sa bank kasi third party daw si Phil Prudential, sa kanila ko daw dapat ipaterminate yung ADA. Thanks po!

  84. Welcome Drew ! Tulong-tulong tayo dito.

  85. Maraming Salamat Sir Jun. Malaking tulong ka po. Thanks

  86. Hi Drew

    Yes pwede na magfile sa IC anytime. Weekdays ka magpunta dun Drew baka wala sila office pag weekends. Yung Mar. 16 refers to the date of the last publication of notice sa Philstar at dun magsimula magbilang ng 180 days ng deadline for filing which falls on Sept. 12, 2018

  87. Hi Sir Jun

    Kelan po ba pwede pumunta sa Insurance Commission? Pede na ba this week? May March 16 na nabangit un po ba un start ng pagpunta . Kindly advise. Thanks

  88. Hi jesiree,

    All of us policyholders are in the same situation. talagang nakakalungkot at umabot na sa puntong magsasara na ang PPLIC and we are all left with an EMPTY BAG. Many policyholders are affected. Nung kalakasan kasi ng PPLIC alam ko umabot ng 1.3 Million ang kanyang policyholders. Hindi lang ako sure sa latest count. Marami dito OFW na nasa abroad ngayon. Yes pwede ang authorized representative ang magfile ng claim. Andito sa post ang lahat ng requirements at kung saan din magfile. Medyo matagal pa naman ang deadline Jesiree so may time ka iready lahat ng requirements and needed IDs. All we can do right now is HOPE FOR THE BEST. Stay in touch.

  89. Guys,isa din po akong policyholder ng PPLIC at kahapon ko lng nalaman ang public announcement ng IC sa kanila.Im so worried sa hard earned money na ipinasok ko.Apat na taon mahigit aq nagbayad sa knila.Gusto ko ng icash surrender ang policy ko.Paanu ako makakapag file ng claim at maiwithdraw ang pera sa knila guys,nandto kc aq sa abroad.
    Pwd bang ang asawa ko nlng mismo magsubmit ng file of claiming?Kanino at saan magsusubmit ng claims?
    Salamat po sa sasagot..?

  90. Thank You Ms. Nora and Sir Jun P. for updating. Lets file early so they can process it already and lets pray that what is due for us should be given to us.

    Goodluck to all of us.

  91. Hi again everybody! Latest Notice to Public of Insurance Commission posted in today’s issue of Philstar……
    (From Nora: I moved the notice to the post above. Thank you very much again,Jun.)

  92. Hi fel m, thank you for sharing with us your email exchange with Atty. Bonifacio, including her emailed response. May I take the liberty to move your email to the post above, so everyone else can see. Again thank you very much for sharing and helping others.

  93. Hi Marie Jenefer,

    Medyo mahirap sagutin ang tanong mo – medyo komplikado kasi ang issue. The best answer I can give is this. Kailangan balikan natin ang history ng Berkley para may idea tayo sa sagot. Berkley Plan International is an international company offering PRE-NEED PLANS (pension, education etc) na MAY HALONG INSURANCE (life, non-life). Nakipag tie-up ito with Family First Inc. FFI as its marketing arm to sell its products in the Phils. nung mga late 1990s. Yung Family First sakes agents ang mga KUYOG BRIGADE na nasa malls na papalibutan ka at hindi ka lulubayan hanggat di ka kumuha ng plans nila.
    Sometime in the early years of 2000, nag pull-out ng Pinas ang Berkley dahil ata sa mga criticisms at negative comments sa kanyang marketing tactics. Sa pagkaalam ko ang sumalo ng kanyang pre-need business ay Danvil Plans na naliquidate nung Dec. 2014. Ang sumalo naman ng kanyang insurance busibess ay Phil Prudential PPLIC which has been in the insurance business since 1963 pa.
    Dito na naapektuhan ang financial position ng PPLIC sa pagbayad ng matured, maturing at preterminated plans na sinalo nya sa Berkley. Malaki binaba ng kanyang trust fund. That was about 2014 or 2015 if Im not mistaken at may certain period lang yun para mag-avail. Nabasa ko yun sa kanilang letter nun kasama ng receipt of payment.
    You need to check the records in PPLIC office Jenefer about your bro’s policy. Ang problema ngayon Jenefer under liquidation and foreclosure na ang mga properties ng PPLIC. Ang last known office address nila sa Burgundy Tower Ortigas. Ewan ko lang kung may tao pa sila dun to answer queries.
    Hope nakatulong yung sagot ko Jenefer.

  94. Hi Drew,

    Based sa last po ko nakausap ko si Atty. Bonifacio re pagclaim and based sa response nya, ipopost sa Philippine Star ung notice na for LIQUIDATION na ung PPLIC. Dun po siguro ilagay kung anong process sa pagclaim n gpolicyholders

    In accordance with CRL Memo No. 10-2009 of the Commission, liquidation must should be finished within two (2) years from the date of appointment or within six (6) months from the date of the prescription period given through publication to claimants to file their claims, whichever comes later.

    So, dear policyholder, please await the Notice that will be published in a newspaper of general circulation (usually the Philippine Star) for you to file your claim (s).

  95. Hi, may insurance po kasi ang brother ko kay berkley and as per danvil ang nakabili ng insurance ng berkley nung nagsara sila is prudential life? Paano ko po ba macoconfirm kung kasama ung insurance ng brother ko sa pwedeng iclaim kay prudential? Thanks!

  96. Ms.Nora
    Pwede na po ba kame pumunta sa Insurance commission para magfile ng claims?
    Baka po kase wala pang instruction masayang po lang oras namen pagpunta
    Kindly advise.Maraming salamat po.

  97. Hi again everybody. I am glad to be of help. Like I said, WE ARE ALL IN THE SAME BOAT, so it’s best that we help each other out. I just hope we can reach out to more policyholders of PPLIC na hanggang ngayon ay wala pa ring kamalay-malay sa estado ng PPLIC at naka debit pa rin ng bank o credit card ang payment. Napupunta sa wala ang kinakaltas sa kanila.

    Thank you also Mam Nora for this blog and for updating the info on it. Through this we are able to exchange updates, ideas and latest info regarding our concerns. I read PhilStar everyday at dun ko nga nakikita ang mga Notice To the Public NTP ng IC. Balitaan ko kayo kapag meron latest sa PPLIC.

    TO HERNANIE – Sir or Mam, sabi nyo 4 yrs na kyo nagbabayad ng policy? Baka po naka auto debit kayo napupunta na po sa wala ang binabayaran natin. Check na po natin ang account ASAP

  98. sino po ba ang mahingian ng tulong regarding sa pagrefund? 4years n po ang naihulog namin. anuano po ba ang dokumentong dapat iprepare? salamat po sa makakatulong.

  99. Hi All. I emailed Atty. Bonifacio yesterday and she promptly replied naman. Here is her answer re claims for PPLIC policyholders:
    Dear PPLIC Policyholder,
    Sa mga makakabasa sa Philippine Star if ever pakishare din sa thread na to. Thanks!
    (From Nora: I moved the emailed reply from Atty. Bonifacio to the above post. Thank you very much again, Fel M.)

  100. Hi Jun, thank you very much again for giving us updates and for replying to all those asking about what to do. It’s really a great help for all of us. Please continue responding and giving us updates. By the way, I’ll now update what I wrote in the post above, I didn’t notice that the info has changed.

  101. hello!

    I feel you Fel. Buti n lang nanjan si sir Jun to update us from time to time. Super thankful din sa blog na to. Last month ko lang din nalaman ung nangyari sa PPILC. thank God isang policy lang nakuha ko from them sapilitan pa un hinarass nila ako sa SM Pampangga hehehe!

    nag ask na ko ng favor sa brother ko kung pwede tawagan ung office ni Atty. Bonifacio for the procedure and requirements ng filing. Para ready na tayo before pumunta sa office nila para di saying sa oras.

  102. Hi Fel,

    For liquidation na po ang PPLIC effective Feb. 7, 2018 Meaning tuluyan na po sya magsasara at hahanapan ng buyer ng lahat ng kanyang assets and properties. Yun po ang ipangbabayad sa lahat ng claims against the company. Hawak po ng Insurance Commission ang kaso bilang regulator ng lahat ng insurance companies. Si Atty. Iris Sylvia Bonifacio pa rin po ang appointed LIQUIDATOR. Andito po sa threads ang kanyang office address. Paki backread na lang po. Sa office din po nya ifile ang claims or pwede rin directly sa Insurance Commission. Contact no. ng Insurance Commission 3540991. I hope I answered all your concerns Fel.

  103. Hi Sir Jun and to all affected policyholders. I’m also a policyholder of PPLIC. sino po dapat icontact about this? ung pwede iask ng updates every now and then like email or contact number? Nabasa ko is Atty. lris Sylvia Lucero Bonifacio ung receiver pro I have no idea what are the steps to take or how to be informed by the latest updates. thank you.

  104. LATEST UPDATES FOR ALL POLICYHOLDERS OF PHIL. PRUDENTIAL LIFE INSURANCE CORP. (PPLIC). As per advise of Insurance Commission, PPLIC is already for LIQUIDATION. Hinahanapan na po ng buyer ang lahat ng kanyang properties and assets and proceeds from the sale of its assets will be used to pay claims.
    Appointed liquidator is still ATTY. Iris Sylvia Bonifacio. WAITING GAME for all of us. May take years to find a buyer. Nakakalungkot!

  105. Hi again Karla,

    Ang appointed receiver is Atty. Iris Sylvia Bonifacio. You can file claim thru her office at Suite 507 Pacific Center Bldg. San Miguel Avenue Ortigas 1605 Pasig City or directly at Insurance Commission with address at 1071 UN Avenue, Manila. Be ready with all supporting documents and valid IDs. Mas maganda personally. Advise ko lang ready mo na lahat ng supporting documents para hindi ka rin balik-balik

  106. Thank you sa info Jun! Paano mag file ng claim? Do i have to go personaly sa office? May tao kaya dun na maabutan? I tried sending them email as well pero wala akong natanggap na response at all. 🙁

  107. Hi Karla,

    I sympathize with you. We policyholders are in the same plight. Alam ko rin na marami policyholders ang hindi pa nakakaalam sa nangyari sa Phil. Prudential (PPLIC). Kasalukuyang nasa receivership sya effective Sept. 26, 2017. Pero ayon sa isang policyholder na tumawag sa Insurance commission effectively under liquidation na as of Feb. 7, 2018 meaning tuluyan na magsasara. Kung tatawag ka dun wals na siguro sasagot kasi baka wala na tao sa office nila sa Burgundy. Hawak ngayon ng IC ang kaso. Advise ko sayo Karla magfile na lang claim sa Insurance Commission. Paki basa na lang mga threads dito sa site for more info. We are doing our best to help all affected policyholders.

  108. Good day! Is there any update on Philippine prudential!? I keep on calling them on the phone pero wala sumasagot. I just learned this issue lately 🙁 naka auto debit ng bank account ko sa kanila, then, napansin ko just last sept 2017 they stop auto debiting my account na. How can i get my money back? Kakalungkot namn ito 🙁 saang phone number sila pwede ma reach? Ung di ka ihohold ng 3 hours tapos bigla nalng ma drop ung call 🙁 any info is much appreciated.. Salamat


  109. Hi Carla

    Thank you for the updates and latest info. Malaking tulong sa mga apektadong policyholders ng Phil Prudential (PPLIC). Regarding valid IDs alam ko pwede ang passport, SSS ID, Driver’s License, Postal ID, Company ID for those employed, and Voter’s ID.

    We are all in these together and let us all help one another. Good luck to all.

  110. Hi Jun,

    thanks for your quick response. Regarding dun sa last post ko, for Philippine Prudential Life Insurance Co., Inc. un, Notice of Stay Order dated 27 sept. 2017. I just copied the last part nung page one. mejo confused ako kasi nung nag back read ako sa mga comments dito ibang name ng atty ung sinasuggest ni Nora.

    Dun sa mga nakatira abroad make sure na kumuha kayo ng SPA for your representative.

    Please refer list below for check list/Requirements for claims

    1. Policy face Page
    2. Contract Provision
    3. Certificate of Full Payment ( IF plan has been fully paid)
    4. Photocopy of Two government issued IDs

    IN case of loss of any of the above, an affidavit of loss is needed.

    sa case ko nawala ung policy contract ko nung 2012 so what I did nagrequest ako ng copy from PPILC, kumuha ako ng affidavit of loss. pero not the same ung binigay saken.. Hoping na valid pa rin sya.. meron akong certificate of full payment nirequest ko sya 2013.. kukuha rin ako ng SPA for my brother. ask ko lang ung valid 2 IDs ko are Passport and permanent resident card ko sa Canada. chineck ko nmn sa website ng phil govt valid naman sya… matagal n kasi expired ung PRC ko and mahihirapan akong kumuha ng ibang IDs sa pinas… kuing may suggestion po kayo please let me know 🙂

    thanks a lot!!! let’s hope for the best…


  111. Hi Eulysses,

    Try ko lang sagutin ang tanong mo ha. If you say you are a policy holder, di ba dapat may hawak kang policy? In my case kasi, may hawak akong policy which I intentionally terminated when I found out that PPLIC waas already under conservatorship. meaning nanganganib na sya magsara. That was last Feb. 2017. I went for the cash surrender value na lang kahit na hindi ko na makuha ang full refund. I wrote a letter to PPLIC detailing my claim for refund which they received and stamped acknowleged. Ito ang bibigay ko sa IC kung sakaling mag schedule na ng payment. Kumpleto pa naman ang aking documents.

  112. Hi, Jun P.!

    I’m a policy holder rin of PPLIC. WOuld a statement of account from the bank suffice if some of my payment receipts are still missing? In addtion, do you have any resources sa web on how to you make a claim document? Thanks and regards!

  113. Hi again Claud. Kung wala po kayo certificate of full payment iready na lang ang policy contract, mga payment receipts saka mga valid IDs. Antay na lang po ng notice from Insurance Commission kung saan at kelan mag file ng claims. Sa pagkaalam ko po pwede naman ang authorized representative magfile kung nasa abroad kayo.

  114. Salamat po Sir Jun P.
    wala po akong certificate of full payment. Hindi ko po nakuha last year nung nagbakasyon po ako. SOA (Statement of Account) lang po ang meron ako, pwede na po kaya yun as proof of payment?
    How about filing of claim, pwede po ba ako makapag file ng claim kahit nasa abroad ako?

    Maraming salamat po ulit

  115. Hi Claud,

    Naintindihan ko po sitwasyon nyo lalo na wala kayo sa Pinas. Lahat po tayong policyholders ay talagang worried dahil tuluyan na po mag liquidate ang PPLIC. Advice ko po sa inyo iready na lang lahat ng supporting documents lalo na po ang certificate of full payment kasi pagkaintindi ko waiting na lang kayo ng maturity. Sa totoo lang po , MEDYO MALABO NA MABAYARAN LAHAT ng contract price o lahat ng premiums paid kung paying pa.

  116. hello po, ngayon ko lang din po nabalitaan yung tungkol sa PPLIC. Sobrang worried din po kasi policy holder din ako and waiting na lang po sana ng maturity.
    Paano po ba ako makakapagfile ng claim since OFW po ako at kasalukuyang buntis e medyo maselan din po kaya hindi din ako pinayagan ng OB na magtravel.
    Please help naman po.

  117. Hi Carla,

    I’m glad to be pf help. Kaya wala pa sa website ng IC ang notice of liquidation meron kasi delay ng posting mga 1 or 2 weeks. Delayed rin ang posting ng notice of conservatorship at receivership nila kaya late ko na rin nalaman. I FULLY AGREE with you na nakapanghihinayang ang lahat ng binayad natin. Pag liquidation medyo matagal ito maaaring taon ang itagal. So guys prepare for a LONG HAUL.

    One other thing Carla. Yung latest post mo I think refers to Prudentialife Plans Inc. (PPI) MAGKAIBA ITO sa Phil. Prudential Life Insurance Co. (PPLIC). Ang PPI 2009 pa naliquidate yan . I hope aware ang iba dito. MAGKAIBA yung 2 Carla.

  118. Hi Everyone,


    Please advise po.

    Kind regards,


  119. Hi Jun,

    Thanks for the info..Yan din advise saken ng sister-in-law ko magwait kung may ibang insurance company na sasalo… chinecheck ko rin ung website ng IC from time to time… wala nmn ako nakita na for liquidation na sila..if that’s the case, then I need to apply na for claim. Hirap kasi nandito ako sa Canada.. di na rin ako umaasa na makaka-claim ng 100% nakakasama lang ng loob kasi hard earned money un.

    thanks everyone! let’s hope for the best..


  120. Thank you kim for the latest info. So, here guys a bit of bad news for all of us. For liquidation na daw ang PPLIC AS OF fEB. 7, which means tuluyan na sya magsasara. Kung gano katagal abutin, nobody knows. Nangyari din kasi ito sa CAP kung maalala nyo. At ang alam ko sa ganito Imposible ang full refund. Baka kalahati na lang ang maibalik satin KUNG MAY MAIBALIK PA!

  121. I called insurance commission this afternoon and learned that PPLIC is now under liquidation stage since Feb 7, 2018 (no notice/info posted on IC website). My worry is that this may take years and refund amount is not yet known. Expect much lower than the total premium paid. Any claim daw ay after liquidation of assests na.

    Saved my income to pay for this for 4 yrs already. Tsk tsk. Any way to hasten and ensure 100% refund?

  122. Hi Michel and Jovi. I’ll try to answer your concerns the best I can from what I know. I am also a policyholder of PPLIC and have 3 policies with them, which i’ve been paying for more than 5 yrs. already I have alredy STOPPED PAYMENT last Feb. 2017 upon knowing that PPLIC was already under conservatorship that time. Kaya sya nalagay sa conservatorship may problema na kasi sa kanyang finances. Sa ngayon effective sept. 26, 2017 nasa receivership stage na sya at kung walang papasok na receiver sorry na lang tayo at maliquidate sya at tuluyang magsara. Hindi sya makapagprocess ng anumang claims pag nasa receivership kasi meron stay order ang IC. I hope I gave clarity to some of your concerns. Antay na lang tayo for further developments. Stay tuned to this site. Magtulungan na lang tayong policyholders.

  123. I am now badly in need of financial assistance and thinking in depth of any possible resources that i could have, when PPLIC suddenly came across my mind. I am a policyholder in such company, paying my monthly premium for 3 and a half yrs already. It’s just today upon online check that i’ve known about the status of PPLIC which I don’t have any idea on what conservatorship is. I am worried about it, for all those times that I’ve sacrificed not to spend even for my primary needs just to have enough budget to pay for my premiums. All I wanted now is how could I get back my money 100%. Please give me reasonable guidance, and it will be greatly appreciated. Thank you.

  124. Help, ngayon q lang po nalaman na may problem pala ang PPLIC, 4 yrs. and 6mons. Na po aq nagbabayad sa kanila. How can I refund my money kung nasa abroad aq? Isa po akong ofw.

  125. Hi jun, oo, napaka-horrible talaga. Nagsakripisyo, nagtipid, ipinagpalibang bilhin ang mga kelangan, nag-overtime, pumasok kahit holidays, nag-sideline, tumayo sa bus, tapos mawawala lang. Masakit sa tiyan at sa dibdib…

  126. Most welcome Ms. Nora. Try my best to help fellow policyholders of PPLIC. All of us are affected by this issue. I’m constantly following developments in this regard. It’s so unfortunate that something like this should happen to the company. Kawawa naman tayong lahat kung mapunta sa wala ang binayad nating premiums. Pinaghirapan din naman natin yun

  127. Hi Jun, thanks a lot for replying to Carla and giving a helpful and informative answer.

  128. Hi Carla. Under receivership sa ngayon ang Phil. Prudential as of Sept. 26, 2017. Suspended ang license niya to sell new policies. At meron din stay order ang Insurance Commission putting on hold the processing of all claims. I would suggest that you already file your claim now with the Office of the Conservator for possible consideration kung sakaling tuluyang magsara

  129. Hi,

    Thanks for the info. I live outside the Philippines, I have finished my 5 yrs policy with them nung 2013 pa I’m just waiting for maturity nya to claim which is 2023 pa.. Please advise kung pano kami nakaka-claim.

    thank you



  130. Hi Mich.kasalukuyang nasa receivership ang phil. prudential. Hindi sila makaprocess ng claims kasi meron stay order ang Insurance Commission na regulator ng life insurance companies. Ang ginawa ko nagterminate na lang ako ng 3 policies ko with them at antayin na lang kung kailan malift ang stay order para makaprocess sila ng claim.

  131. Hi po. . .ano po ba dapat ang dawin para makuha ang refund namin. .paki advice nman po sana kami. . .

  132. Thanks a lot, Jun, for the updates. Really so horrible for the policyholders.

  133. Latest info po for everybody. As of Sept. 26, 2017 under receivership na po ang Phil. Prudential Life Insurance Co. I have 3 policies with them and have decided to cancel all my policies nung malagay sila under conservatorship last Nov. 4 2016. Kung wala papasok na receiver, for liquidation na ang kasunod. Kawawa mga policyholders !

  134. Hi Russel, ito po ang address ng PPLIC conservator na si Atty. Moises A. Balon.
    Suites 305-309 3rd Floor
    AIC Burgundy Tower
    ADB Avenue corner Sapphire and Garnet Roads
    Ortigas Center, Pasig City
    Phone: 902-2330
    Send by mail or bring personally all your supporting documents and IDs. Better to call first.




  136. Hi Everyone,

    I have finished my 5 yrs policy and 15yrs endowment, i just got back abroad and seen this thread. Is there anybody there that have already filed inquiry or claim via email? please help. thanks

  137. hi
    i was not aware of the insurance status until i visited their main branch sa ortigas earlier today. 2weeks ago,i went to robinsons pampanga withiout knowing na wala na ung office nla doon at buti n lng may contact ako sa dati nilang empleyado sa pampanga. then, after an hour and a half, na-entertain ako ng one of the company’s employees. dun k lng mlaman n under RECEIVERSHIP n raw sila and had advised to file a claim since i finished paying 3yrs of teh contract. the thing that they guaranteed was the cash involved after completing at least 3yrs and nothing less,which means that the amount is less than 50% of what i have struggled to find ways of paying my Security Builder Policy for 3yrs. worst case is,there’s no specific timeframe on how long can i wait to get the claim.pati nga dw ung scholarship na kasama sa policy ko ay di pa insured and that i had to validate from the school if tinatanggap p nla ang PPLIC.additionally, stop payment muna sila so di ko bbayaran ang 4th yr ko this 2018. if na uplift daw ung case and magkaroon ng mga investors uli ang insurance, then tuloy pa rin daw ang service nla. but this is enough. this was really a bad experience for me.

  138. Good day
    Paano po kaya nmin mababawi un naibayad nmin s philippine prudential?
    Thank you

  139. Hi kkgaling ko lng sa sm southmall branch ng pplic…all pf a sudden wla na dw sila don?.now ko nkita d2 sa website na under conservatorship?.and maturity ng inssurance ko is 2025 pa..pero gs2 kona sana kunin lahat ng pera ko..possible p kaya mkuha ko pera ko?..pls help po guys…thnks in advance

  140. Hi ask ko lang po kakatapos ko lang bayaran yong premiums ko and maturity date is 2027. If PPLIC is under conservatorship, is it possible na makuha yong whole amount na binayad ko?

  141. Hi Mylene, please check this:
    This is the Insurance Commission’s email:

  142. Hi ask ko lang po kung makukuha ko paba ang pera ko sa Danvil mag mamature po ang plan ko sa 2016.umuwi po ako last year para mag pa check at gamitin ang insurance ko pero sabi ng prudencial mula nung March 2013 dina nag bayad ang Danvil.Pinatatawagan nila ang Danvil sa akin para alamin kung bakiit pero diko sila ngayon nag aalala ako sa inivest ko diko alam kung makukuha ko pa.Pls give me some advice thank u..

  143. Hi Janneth, bagong policy ba ito? Ang kelangan sa PPLIC ay kulitin mo rin sila kahit 16th day na. Sori at wala na akong iba pang ma-advice.

  144. Ask lang po sana ako I submitted already the documents in my policy tsaka cancellation letter nung july 27..Pero wala po clang binigay na cancel upon inception na statement of account.Bali bukas po pang 15days ko na and nagwoworry po ako kc baka sarado cla kc holiday..Pwede ko ba makuha sa ibang branch nila ung SOA ko na cancelled na..or kung d pwede, pwede ko parin bang makuha ung SOA ko na Cancelled kahit pang 16days na.Thanks po..

  145. Hi Ms. Nors,
    Thanks for your response..
    More power to you!

  146. Hi amy, I’ve read that some will file their own lawsuits while some will accept PPLIC’s decision. It’s natural to get frustrated and angry… worked really hard for the money… Sorry but I can’t do anything to help. Blogging against pre-need owners without integrity is all I can do. It will really come down to your own decision. take care.

  147. Hi Ms. Nors,
    I’m really upset and don’t know what to do!
    I received a call from PhilPrudential, to tell me that their offer of goodwill is just until 30 sept 2013, meaning only 30% of payments from 2010 to march 2013!
    Do we have a choice? Please help…
    Thanks in advance for any info, regarding this 🙂

  148. Hi Nors,

    Please help if you have info on the cancellation made by PPLIC on the No Claim Bonus that they have acquired from Danvil? or other readers who have the same policy.
    Malapit na matapos yung policy ko and i am expecting to get back all my premiums:-(
    Please help.
    Thank you!

  149. Hi she, I wish you asked for the return of your money immediately. I don’t know if you can still get your money back because more than 2 weeks have passed. Dapat meron kang kasama na matapang o authoritative kapag babawiin mo ang pera mo. Write a letter describing how you were misled or how you were deceived and that you demand for the return of your money. Merong mga samples online — i-google mo: sample cancellation letter prudential life.

  150. hi pls help me pano ko po mairerefund yung perang nakuha nila sakin? may 9 ko po naavail policy nila. i want a full refund pero kung my bawas mga magkano po kaya?

  151. Arlene B. Mantiles


    Please help me. Where I can file my claim for my pre-need plan that will be due on May 18, 2016.
    Thank you.


  152. Hi ike, updates are here: Am so sad too about the developments…

  153. hi. i was rather late in checking danvil issue. i am an ofw and completely paid all premiums. i even visited their makati office – probably during 2009 or 2010. for reason i cannot understand i was so assured that things are well after they have taken the matter from Family First. my plan maturity is still on 2016. What is the current status. will PPLIC be able to release the face amount when it becomes mature. Please help in acquriing an update. Thanks.

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