Study Secure

Coverage for you and your child with guaranteed payouts to help cover the cost of education.

Product summary

Product Benefits

  • Enables parents or guardians to prepare for future costs of education by choosing when education stipends will be received.

Coverage Period

  • Protection coverage until the end of the chosen payout period.

Benefit Payout Age

  • Choose when your child receives his/her Education Stipend (age 16, 17, 18, 19, 20 or 21).

Payment Options

  • 5 or 10 years

Issue Ages

Insured Age

  • 0-14 years old for 5 Years to Pay
  • 0-11 years old for 10 Years to Pay

Policy Owner/Payor Ages

  • 20-55 years old

What It's For

  • Education fund for your child
  • Saving for long-term needs
  • Fund growth potential through the Variable Life Insurance Rider


Frequently Asked Questions

Study Secure is an insurance plan that provides increasing life insurance protection coverage for your child while allowing you to prepare for your child’s future education expenses through guaranteed education stipend payouts. This plan comes with a Contingent Allowance Benefit, which gives out additional annual cash benefits to your child if you pass away or become totally and permanently disabled before the scheduled cash benefits are paid. Finally, you have the option to boost the savings component of your Study Secure plan by adding a Variable Life Insurance Rider which in the long term, may provide positive market driven returns.

You may get this plan with flexible payment options of 5 years or 10 years. Discover more features in the product brochure.

The guaranteed Education Stipends that come with your Study Secure Plan can help you ensure that your children finish their studies no matter what happens to you. The Education Stipends, which are equivalent to 40% of your Sum Assured, are paid annually  starting on your preferred payout date (Benefit Commencement Date). Each payout advances a portion of the death benefit per year. 

Your child may also get an Academic Excellence Award equivalent to 10% of the Sum Assured, if your he/she graduates with honors.

To help ensure that your child’s educational needs are met no matter what happens to you, he/she will be entitled to receive a yearly Contingent Allowance Benefit equivalent to 20% of the Sum Assured to be paid on the policy anniversary following the payor’s death, until the year before the Education Stipends paid.

The Benefit Commencement Date is your preferred payout start date. This typically coincides with the year your child turns 18 or begins his/her first year of college. You may find this in your policy contract.

You are eligible to buy this product if as a Payor/Policy Owner, you are 20 to 55 years old, and the proposed Insured is between:

  • 0-14 years old, if you are getting Study Secure (5 Years to Pay).
  • 0-11 years old, if you are getting Study Secure (10 Years to Pay).

Yes, you can enhance your plan by adding the Variable Life Insurance Rider. Talk to a BDO Life Financial Advisor to determine know which riders can address your needs best.

Contact us

BDO Corporate Center

BDO Life Head Office:

30th Floor, Petron Megaplaza Building, 358 Gil Puyat Avenue, Makati City 

BDO Corporate Center

BDO Life Customer Care Hotline:

(+632) 8885-4110


BDO Corporate Center

Please expect a response from us within 24 to 48 banking hours.

BDO Corporate Center

PLDT Toll-Free:


BDO Life Assurance Company, Inc. is a life insurance company and wholly-owned subsidiary of BDO Unibank, Inc. It is supervised by the Insurance Commission. Its financial products are not deposit products. These products are not insured by the Philippine Deposit Insurance Corporation and are not guaranteed by BDO Unibank, Inc. For policy-related inquiries and concerns, please call our BDO Life Customer Care Hotline at (+632) 8885-4110 or 1800-1888-6603 (PLDT Toll-Free).