• Should a policy lapse, it may be reinstated if it is still within three (3) years from date of lapsation and before the policy's maturity date
• Application for reinstatement should be submitted personally by the policy owner in any of Insular Life Offices.
• Application for reinstatement will be subject to evaluation before approval by the Company. Additional medical examinations and/ or supporting documents may be required depending on the result of the initial evaluation.

It is important for the designated beneficiary to immediately notify the Company of the death of the insured through the submission of a Death Notice form, to any of its offices nationwide via over-the-counter, postal mail, e-mail, or fax.

The Company reserves the right to require additional documents based on the evaluation of the application form and earlier submitted documents.

Below are the basic requirements for policy transactions such as amendments or claims for living benefits under the policy:

• If Policy Owner/Beneficiary/Assignee is a Corporation/Entity:
  1.1.

  General Information Sheet (GIS), currently dated;
  1.2.

  Entity Information Form
  1.3.

  Board Resolution or Secretary’s Certificate, currently dated and duly notarized, showing the authorized representatives of the Corporation/entity who have been allowed by the Board to transact and sign on behalf of the Corporation, and indicating the list of policies and policy transactions;
  1.4.

  Latest/currently dated SEC registration reflecting the appointment of the corporate secretary;
  1.5.

  One (1) valid photo-bearing government-issued ID with signature of each of the authorized signatories and Corporate Secretary;
• If request/transaction is submitted by Third Party/Representative:
  2.1.

  Accomplished Request to Release Check/Policy Documents to Representative/Agent form
  2.2.

  One (1) valid photo-bearing government-issued ID with signature of authorized representative
• If Policy owner/Beneficiary is minor:
  3.1.

  The following order of preference shall be observed in the appointment of guardian for a minor, per Section 182 of the Revised Insurance Code:

  3.1.1.

  Guardian, duly appointed by the court

  3.1.2.

  Father

  3.1.3.

  Mother

  3.1.4.

  Any Grandparent

  3.1.5.

  Eldest brother or sister, at least eighteen (18) years of age

  3.1.6.

  Any relative who has actual custody of the minor
  3.2.

  The following documents must be submitted by the designated guardian

  3.2.1.

  If the policy benefit due to the minor owner is less than or equal to P500,000

  3.2.1.1.

  For Parent-Guardian:

  • Notarized Affidavit of Parental Authority
  • PSA/NSO copy of Birth Certificate of minor

  3.2.1.2.

  For Grandparent-guardian/Sibling-guardian:

  • Notarized Affidavit of Substitute Parental Authority;
  • Proof of relationship of minor and guardian, such as: PSA/NSO copy of Birth Certificates of Sibling-guardian or PSA/NSO copy of Marriage Certificate/Birth Certificate of both parents to determine grandparent-relationship;
  • Proof of death or incapacity of both parents of minor, in the case of Grandparents as guardian, such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity;
  • Proof of death or incapacity of both parents and all grandparents of minor, in the case of Sibling as guardian, such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity;
  • Any documents to show that grandparent/sibling is the guardian of minor and minor is under the actual custody of the guardian, such as: School Records/Certification, Barangay Certification, Parish Certification, Doctor’s Certification, Certificate from Homeowners Association or Affidavit of Two Disinterested persons and photocopies of ID of Affiants

  3.2.1.3.

  For For Relative-guardian:

  • Notarized Affidavit of Actual Custody;
  • Proof of death or incapacity of parents of minor, all grandparent, and all siblings (of legal age) such as: PSA/NSO copy of Death Certificate and Court Order or similar documents to show incapacity;
  • Any documents to show that relative is the guardian of the minor, and minor is under the actual custody of the guardian, such as: School Records/Certification, Barangay Certification, Parish Certification, Doctor’s Certification, Certification from Homeowners Association or Affidavit of Two Disinterested persons and photocopies of ID of Affiants

  3.2.2.

  If the policy benefit due to the minor owner is more than P500,000

  3.2.2.1.

  For Parent-Guardian:

  • Letters of Guardianship issued by court to include the following:
    a.1.

    Petition for approval of Guardian's bond
    a.2.

    Decision granting the Petition for Approval of Guardian's Bond
    a.3.

    Guardian's Bond duly filed in court with copies of Official Receipt
    a.4.

    Oath of Office of the Guardian

  3.2.2.2.

  For Guardian other than the parent:

  • Letters of Guardianship issued by court to include the following:
    a.1.

    Petition for Guardianship
    a.2.

    Decision granting the Petition Guardianship
    a.3.

    Certificate of Finality of the Decision granting the Petition for Guardianship
    a.4.

    Guardian’s Bond duly filed in court with copies of the Official Receipt
    a.5.

    Oath of Office of Guardian
• Only if no documents on file, the following shall be required:
  4.1.

  One (1) valid photo-bearing government-issued ID with signature of the Policy Owner / Beneficiary / Assignee, preferably TIN, SSS, GSIS;
  4.2.

  Accomplished Supplementary Form - Regulatory;
  4.3.

  Accomplished Beneficiary Information form

Note: All documents issued or executed abroad should be translated in English and authenticated by the Philippine Embassy/Consular Office or apostilled by a competent authority from the origin country.

The Company reserves the right to require additional documents based on the evaluation of the application form and earlier submitted documents.