Policy

You can view the details of your policy anytime and at the comfort of your home through the My AIA customer portal.

With My AIA, you’ll be able to:

How can I update my policy information?

Updating your contact details such as your email address, mobile number, and home address, can easily be done in My AIA. Just follow these steps:

  1. On the My AIA homepage, click on the Update Contact Information button.
  2. Choose the contact information that you wish to update: contact number, email address, or mailing address.
  3. Select the policy to apply the change then input your new details then click Update Details. Don't forget to check the boxes seen on screen to confirm agreement to the changes!

Repeat these steps to update another detail. You may also update your contact information via our website. Click here to update.

What is a policy number?

Your policy number is the unique identifier of your policy with AIA Philippines (formerly Philam Life). It is indicated on the front page of your policy contract. Your policy number will be helpful in your inquiries about your policy.

What is an effective date?

The effective date of the policy is the start of your insurance coverage. It is indicated on the front page of your policy.

What is a contestability period?

The contestability period is the time period during which the insurer is not obligated to pay a claim because of material misrepresentations found in the application. A policy becomes "incontestable" when the contestability period of normally two (2) years is over.

Can I assign my policy?

Your policy can be assigned to a third party i.e., bank as a collateral. However, if you will assign your policy to a third party, AIA Philippines should be informed in writing through the accomplishment of the Policy Assignment Form. During assignment, your rights as the owner is transferred to the party to which the policy was assigned.

Who may be my beneficiary/ies?

The most common beneficiaries are immediate family members, descendants, heirs, employers, established business partners, and charities of the insured.

Here, we apply the concept of “insurable interest” wherein we scrutinize the legitimacy of a life insurance policy and its beneficiary. The intention of life insurance is to provide financial assistance to the beneficiary after the death of the insured. Therefore, the beneficiary must have an insurable interest with the insured. He/ she should not gain with the loss of the insured’s life.

What are the rights of my beneficiary/ies?

Your beneficiary could also be assigned as revocable beneficiary, which means that your beneficiary has no vested rights on your policy. The rights of a revocable beneficiary are limited to receiving the death benefit proceeds of the policy.

While the irrevocable beneficiary, being part owner of the policy, has vested rights thus any changes made on the policy will require a written consent from him/her.

What happens if the beneficiary dies before the insured?

Should your beneficiary die before the insured, as owner of the policy, you can nominate a new beneficiary or a contingent beneficiary by amending your policy. If no beneficiary is named on your policy, the death benefit proceeds will be payable to the estate of the insured.

There are discrepancies in my policy. How can I make changes?

If in case there are discrepancies or wrong information on your policy contract, you can correct it by applying for a change or an amendment for your policy.

For further instructions on how to facilitate policy amendments, you may call us at (02) 8528-2000.

How can I decrease my face amount?

You may choose to decrease the face amount of your policy by accomplishing the following forms and submitting to an AIA Philippines branch nearest you:

Can I remove a rider from my basic policy?

A rider is a supplementary contract attached to your policy. It provides additional benefits at minimal cost. A rider is normally attached during purchase of the insurance policy, but you also have the choice to remove a previously attached rider or add more to your existing riders.

To do this, the following must be submitted to an AIA Philippines branch nearest you:

How can I correct my name in my policy?

In cases that the name in the policy is not consistent with your name in your birth certificate, you can apply for a change of name amendment. The following are the requirements:

How can I update my contact information?

You can change your contact information, such as your address, mobile number, and email address in My AIA, our customer portal. Just follow these steps:

  1. On the My AIA homepage, click on the Update Contact Information button.
  2. Choose the contact information that you wish to update: contact number, email address, or mailing address.
  3. Select the policy to apply the change then input your new details then click Update Details. Don't forget to check the boxes seen on screen to confirm agreement to the changes!

Repeat these steps to update another detail. You may also update your contact information here.

To update other details, get in touch with us (02) 8528-2000.

How can I change my status?

Submit the following documents at an AIA Philippines branch near you:

Single to Married

Married to Separated

Can I make changes on my beneficiary/ies?

You normally nominate your beneficiary/ies upon application for insurance. However, you may change your beneficiary/ies any time after the policy has been issued. The following are the requirements in change of beneficiary/ies: