Accumulate funds for your future needs.

Premieris a Variable Unit Linked policy whose investment fund has 2 components: one that provides long term growth through variable returns and another that provides a guaranteed amount. Premier can be used to accumulate funds in just ten years to help parents with the rising cost of tuition and education related expenses or provide an additional source funds for future use or retirement.

pioneerdirect premier

Power Features of Premier:

(1) Long–term growth through investment in a variable return fund. (2) Guaranteed cash value; (3) Guaranteed maturity benefit equivalent to the Policy Amount; (4) Guaranteed and fully paid life insurance coverage equal to two times the Policy Amount up to age 99 after just seven years of contribution;


  • Currency: Philippine Peso
  • Payor: At least 18 years old
  • Insured: 0 to 65 years old
  • Minimum Annual Premium: Php 30,000
  • Available Investment Fund:
    • Managed Fund/Equity Fund
  • Policy Amount: Annual Premium times Policy Amount Factor
  • Death Benefit: Policy Amount plus Fund Value
  • Withdrawal/Surrender Charges:
    • 4 policy years and above – 1%
    • 3 policy years to less than 4 policy years – 2%
    • 2 policy years to less than 3 policy years – 3%
    • 1 policy year to less than 2 policy years – 4%
    • Less than 1 policy year – 5%


BDO Unibank, Inc (BDO) is a full-service global bank providing a broad range of retail, commercial and corporate banking services.

Pioneer Life’s variable funds are managed by BDO Trust and Investment Group (BDO Trust) which provides solutions and strategies to achieve the varying investment objectives of its clients. It maintains its position at the forefront of the Philippines’ trust industry and has more than 835 branches in the country, and overseas representative and remittance offices in Middle East, North America, Europe and Asia. In 2014, BDO ranked as the largest bank in terms of total capital, loans, deposits, assets and trust funds under management.

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