Philam Life Money Tree (Part 1): The Best VUL Products in the Philippines?

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Published on: August 2, 2013 Last updated: July 9, 2020

Many Filipinos still believe that they can earn a great fortune by keeping their money in savings accounts. In contrary, this is not the case due to inflation. In this article, we will be discussing one product that can help you achieve financial freedom. One of the products of Philippine American Life and General Insurance Company (Philam Life), the Philam Life Money Tree offers promising and attracting returns of as much as 9% to 21% annually.

Read more: 5 Best Books on Money Management

The Philippine American Life and General Insurance Company

The Philippine American Life and General Insurance Company (Philam Life) is the leader in the Philippine market for over 60 years. At the same time, it is also the largest life insurance company in the Philippines. Philam Life offers a wide range of products that provide effective solutions to a great variety of financial needs such as life protection, health insurance, savings, education, retirement, investment, group, and credit life insurances.

Philam Life Money Tree

The Philam Life Money Tree is an insurance policy with investment features. In other words, while enjoying the life insurance protection, Money Tree policyholders can also earn from the investments in the equities and fixed income securities within the Money Tree’s portfolios.

When your money is well secured within the portfolio of Money Tree, you are also be insured with the guaranteed life insurance benefit of at least 125% of your initial investment.

Why Should I Invest in the Philam Life Money Tree?

Philam Life’s Money Tree is a one-time payment, life insurance-and-investment plan whose various funds have yielded returns of 9% to 21% every year. It is a product offered by Philam Life with the intention to empower Filipinos to take advantage of the income opportunities from the stock market. The performance of the stock market is largely influenced by the economy of the Philippines, which is now booming.

What Are the Risks Involved?

Every investment comes with a certain level of risks. The good news is that Money Tree empowers you with the option to invest your money in the fund that best represents your risk appetite. Let’s proceed to the second part to learn more about the types of fund offered by the Money Tree!


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