Lifestyle Secure

Insurance coverage with guaranteed payouts to help you achieve and maintain your envisioned retirement lifestyle.

Product summary

Product Benefits

  • Provides supplemental cash benefits during your retirement years while protecting the lifestyle your family has been accustomed to.

Coverage Period

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

Benefit Payout Age

  • Choose when to receive your lifestyle cash benefit (age 45, 50, 55, 60, 65 or 70).

Payment Options

  • 5 or 10 years

Issue Ages

  • 24-63 years old for 5 Years to Pay
  • 24-60 years old for 10 Years to Pay

What It's For

  • Supplementary retirement fund
  • Financial security for the family
  • Income continuation
  • Saving for long-term needs
  • Fund growth potential through the Variable Life Insurance Rider


Frequently Asked Questions

Lifestyle Secure provides guaranteed life insurance and lifestyle cash benefits to help you prepare for your retirement years. The plan comes with an Income Subsidy Benefit plus a Cash Continuity Guarantee feature that ensures your beneficiaries will still be able to receive the plan’s cash benefits even if you pass away before they are scheduled to be paid out. You also have the option to boost the savings component of your Lifestyle Secure plan with the Variable Life Insurance Rider, which in the long term, may provide positive market driven returns.

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

Your Lifestyle Secure Plan comes with guaranteed Lifestyle Cash Benefits that you will receive on your preferred payout start date (Benefit Commencement Date). These cash benefits, equivalent to 40% of the Sum Assured, will be given annually and will advance a portion of the death benefit per year. 

To help ensure that your family continues to live the lifestyle you envision for them, your beneficiaries will receive an Income Subsidy Benefit equivalent to 20% of the Sum Assured should you suddenly pass away before your Lifestyle Cash Benefits are scheduled to be paid out. The Income Subsidy Benefit will be given to your beneficiaries on the policy anniversary after your passing, until the year before the first Lifestyle Cash Benefit is paid. 

The Benefit Commencement Date is your preferred payout start date and typically coincides with the age by which you plan to retire. You may find this in your policy contract.

Yes, the plan comes with a Cash Continuity Guarantee which ensures that the Lifestyle Cash Benefits will continue to be paid to your beneficiaries as originally scheduled, even if you are no longer around.

You are eligible to buy this product if the proposed Insured is between:

  • 24-63 years old, if you are getting Lifestyle Secure (5 Years to Pay).
  • 24-60 years old, if you are getting Lifestyle Secure (10 Years to Pay).

Yes, you can enhance your plan by adding a Variable Life 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).