Terms and Conditions

You have entered the site of the Insular Life Assurance Co. Ltd. (Insular Life). By using our site, you accept and agree to be bound by the terms and conditions hereinbelow stated, which may be updated or revised any time.

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Intellectual Property Rights

All materials contained herein, including but not limited to the trademarks, service marks, trade names, logos, icons, and images are proprietary to Insular Life, and are duly protected by the Intellectual Property laws of the Philippines. The use of the foregoing is strictly prohibited unless the prior written consent of Insular Life is obtained for such purpose.

Limited Purpose of the Web Site

The contents of this web site are intended for general information only. Insular Life does not warrant, expressly or impliedly, the merchantability or fitness of any material for any particular purpose.

Nothing herein shall be construed as an offer to buy or to sell any products or services. Neither shall any content be construed as providing any financial or legal advice. The Insular Life products are subject to the terms and conditions of the applicable agreements, contracts and documents. Should you have additional queries or need advice on our products and services, you can contact us at our Home Office or at the District Office near you, or through any of our authorized representatives.

Non-Warranty and Non-Liability

Insular Life exercises reasonable efforts to provide accurate, complete and updated information on this web site. However, it does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained therein.

Insular Life disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Insular Life shall not be liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing this web site or from using or downloading materials herein, even if Insular Life or any of its authorized representative has been advised of the possibility of such damages.

Restrictions on Use of Materials

Materials displayed on this web site may be downloaded for the personal and transitory use of the user, provided that all copyright and proprietary notices on the materials shall be retained. The reproduction, republication ,distribution, transmittal, reuse, repost, or the use of the materials for public or commercial purposes, including the text, images, audio and video and the removal of any copyright or other proprietary notations from the materials without Insular Life’s written permission is strictly prohibited. Insular Life disclaims any liability resulting from the foregoing prohibited acts.


Insular Life does not represent that the materials, products and services contained in this web site are appropriate and available for use in all locations or jurisdictions. Those who choose to access this web site do so on their own initiative and are responsible for compliance with local laws. No product is intended to be sold or offered in jurisdictions that disallows the sale or purchase of such product.

Site Terms of Use Modifications

Insular Life may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

The interpretation, validity and effect of this web site and its contents or materials shall be governed by and construed in accordance with the laws of the Republic of the Philippines. You hereby consent and agree to submit to the exclusive jurisdiction of the courts of the Philippines in any action or proceeding instituted under or related to this Agreement or your use of this web site.

Any claim or dispute arising out of or in connection with this web site, its contents or materials shall be referred to and finally resolved by arbitration in the Philippines through the appropriate courts, tribunals or quasi-judicial agencies.


This web site may be linked to other web sites to which Insular Life does not give its approval or endorsement. Insular Life is not responsible for the contents of any such linked site. Insular Life does not warrant the absence of errors or omissions, defects, viruses or other harmful components of any material or functions contained in said web sites, and neither shall it be held liable for any direct, indirect, consequential or punitive damages resulting from accessing or browsing said web sites or from using or downloading materials therein.

INSULAR LIFE uses third-party services to monitor and analyze web traffic data for us. These services use temporary cookies during user sessions which are automatically deleted after session termination. Data generated is not shared with any other party. For more info, please see our Privacy Policy