M.O.S.T. 18 

MOST 18 is Multiple Option Super Team 18, an 18-year level term insurance with Premium Deposit Fund, to provide protection for the family, while providing a high yield investment vehicle that is safe with non-negative growth suitable for emergency funds. It allows maximum coverage for minimal cost compared to numerous other life insurance products which require you to pay higher premiums.

1. Three in one product

MOST 18 is term insurance with investment fund that can be used as an emergency fund.

2. Multiple Option

Design your plan as an educational fund, retirement fund, income protection, house/lot/car purchase, donation, emergency fund, or "pamana" to fit your protection and investment requirements.

3. Super Term

You can have a plan for as low as 15 pesos per day (450 pesos per month) for a 20 year old.

If you can afford "lotto," you can afford MOST 18!

4. Affordable

Term insurance is much less expensive than other forms of insurance, making higher coverage and benefits affordable.

5. Investment value.

Premium deposit fund provides cash/savings/investment value.

6. Safe as a bank!

The investment component in the Premium Deposit Fund features non-negative growth.

Minimum growth guaranteed by MB Life is the average savings account interest rate of the biggest banks.

7. High growth like mutual funds!

The Premium Deposit Fund is invested in various instruments, such as bonds and stocks and thus, PDF is potentially high growth investment, with no maximum.

8. High Protection with Low Premiums.

MOST 18 is 18-year-level term with high protection/coverage.

P6,000 a year ( approx P500/month ) can give those 31 years old and below P1,000,000 coverage.

9. Tax Advantage

Life insurance proceeds are not subject to estate tax if beneficiaries are designated irrevocable.

10. Emergency fund

Premium deposit fund can be withdrawn anytime within a few banking days, with no fees. Non-negative growth ensures no decrease in peso value.

You can have cash value/savings even on the first year which you can withdraw in case of emergency.

11. Premium Flexibility

Pay your premiums based on a schedule that fits your lifestyle.

12. Convertible to Permanent Insurance

Get longer coverage by converting to permanent plans (while still insurable)

13. Level coverage

You know exactly how much minimum coverage you get.

Your cash value is always added to your protection / coverage

14. Level premium charges

You know exactly how much you are paying for insurance charges

15. Alternative Investment Flexibility

Option to withdraw without penalty gives you flexibility of where to "invest the difference."

16. Low chance of lapsing

Premiums payments may be automatically be "withdrawn" Premium Deposit Fund investment earnings.

17. Builds discipline

Help you have discipline and habit to regularly save and invest

18. Top-ups

Excess cash such as bonuses can be invested anytime

**Credits to Sir Bobet Prudente for the review of MB Life MOST 18.**