Money Tree

Making your money work for you

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Money Tree

A life insurance and investment plan designed to grow your peso or dollar and give you lifetime protection for a minimum one-time payment of PHP 125,000 only

Issue age

0 to 70 years old

Coverage period

Until 100 years old


Policy benefits

Optional riders

Customize your plan’s coverage with these supplementary benefits

Your beneficiaries will get additional life insurance coverage on top of what your base plan offers

You’ll receive additional cash support to fund expenses for injuries, disabilities and death caused by accidents until you’re 72

You'll receive a cash benefit if you're diagnosed with any of the 56 covered major illnesses, including cancer, heart attack and stroke, until you’re 75

See covered illnesses

Insurance lingo

It evaluates an individual's willingness and ability to take investment risks. A risk profile is important for determining a proper investment asset allocation for a portfolio

These are optional additional premiums or investments to the policy, which can be purchased any time after the policy has been issued

This is the one-time payout we’ll provide your beneficiaries when you pass away

Important details

Applicable only when you have the Critical Illness coverage rider

  • Money Tree also has a Dollar variant. You can talk to a Financial Advisor or call our hotline for more details.

  • For Dollar Money Tree, the Accident and Health rider is mandatory. The Term and Critical Illness riders are not available.

  • Life Insurance Coverage is the Minimum Guaranteed Death Benefit or the Account Value, whichever is higher. Minimum Guaranteed Death Benefit is 125% of the single premium plus 125% of each top-up amount less 125% of each withdrawal amount.

  • Please consult your Financial Advisor or refer to the policy contract for full details on the critical illness definitions, exclusions and limitations.

  • The amount of your account value will vary depending on fund performance which may be affected by market conditions.

  • The contents of this page are for illustrative purposes only. Actual terms and conditions of the insurance coverage are found in the policy. In case of conflict, the policy terms shall prevail.

Upon receiving the Policy Contract, you may refer to it for the full details on the Critical Illness definitions, exclusions including the pre-existing conditions, and other limitations. If after reading the Policy Contract, you decide that this plan is not suitable to your needs, simply return it to AIA Philippines within fifteen (15) days from the date you or your authorized representative received it and we will refund to you the total premium you paid.

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