Retirement Insurance

A smarter, tax efficient way to secure your employees’ future.

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If you want to go beyond statutory benefits and offer real long-term security for your people, retirement insurance is a smart and sustainable choice. It helps you meet your obligations while keeping your working capital intact. It also brings financial advantages that traditional bank or trust-based retirement plans often cannot match.

Many companies rely on an unfunded or pay-as-you-go approach, where retirement payouts are taken from annual profits. This can strain cash flow and create uncertainty. Retirement insurance offers a better path. It allows you to build a dedicated fund that grows consistently over time. You get the flexibility to manage contributions and the security of a fully funded plan.

It also includes life insurance coverage for active employees, which provides an extra layer of protection for their families.

Happy older couple

Key benefits for employers

  • Fully compliant with RA 7641
    Meet your obligations under Philippine labor law, especially for employees with five or more years of service.
  • Cost-effective administration
    Low valuation and management fees help preserve the fund and support long-term growth.
  • Attractive tax advantages
    Your contributions are tax deductible and a portion of investment income may be tax exempt.
  • Stable, guaranteed returns
    Funds are placed in a conservative bond portfolio that delivers steady growth with minimal risk.

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Key benefits for employees

  • Retirement security
    Ensures financial support when they reach retirement, especially for long-serving team members who rely on this benefit.
  • Life insurance protection
    Provides financial support for the family in case of death while in service. This valuable feature is not available with trust funds.
  • Tax-free benefits
    Employees receive their retirement payouts tax free, so they get the full value of what you invested for them.

Designed around your business

Every organisation is different. That is why we take the time to understand your workforce profile, your financial goals, and your compliance requirements before designing a retirement insurance plan. Our consultants use deep market knowledge and strong insurer partnerships to create a solution that is strategic, sustainable and never overpriced.

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Retirement insurance is more than a legal obligation. It is a powerful way to show your people that you are investing in their future and in the future of your business.

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