According to the latest figures* shared by the Insurance Commission, insurance penetration in the country rose to 1.85% in Q3 2025, up from 1.74% in Q3 2024. This upward trend shows that more Filipinos are recognizing the importance of getting protection and diversifying their portfolio through insurance plans.
This shift also reflects a growing awareness, especially among driven individuals of the need to be proactive in securing both financial stability and long-term growth. For go-getters like you, maximizing every opportunity and ticking off every goal is second nature. This mindset extends as well to your financial goals where you aim to make the most of your hard-earned income while living your life confidently.
Now imagine being able to protect your family while growing your wealth by investing in some of the world’s top companies—at the same time. That’s the benefit of having a Variable Unit-Linked (VUL) or VUL plan. Unlike traditional life or health insurance, VUL offers both protection and investment growth potential, giving you the best of both worlds. And it could be your next power move.
Key Takeaways
- More Filipinos are now open to getting insurance plans and diversifying their financial assets to strengthen their portfolios.
- A Variable Unit-Linked (VUL) plan offers the best of both worlds—life protection and investment growth potential.
- Discover how AXA’s newest VUL plan, Vision Achiever, is designed to deliver maximum growth for your money while keeping your family protected.
The 2-in-1 power of VUL plans
Have you ever purchased something that serves two different purposes? Take a smartwatch, for example--apart from telling you the time, it can also help you read emails on-the-go while also tracking your heart rate during a physical activity. That’s exactly how VUL plans work. They empower you to ensure your family is financially protected if you're no longer around, while also allowing you to grow your savings for your own future goals. And the best part? You get living benefits that you can enjoy while you're still alive and healthy.
This dual benefit is why VUL plans are gaining popularity in the market. They let you hit two birds with one stone, and maximize your money’s value by providing life protection and giving you the opportunity to invest in various local and global funds, all managed by professional fund managers. If you're curious about stocks and investing but don’t have the time to manage it yourself, a VUL plan could be a smart solution.
With experts handling the investments for you, it offers both convenience and growth potential. AXA Philippines’ newest VUL plan, Vision Achiever, intended to do exactly that. It’s an expertly designed insurance plan that helps you maximize your investment growth while keeping your family financially protected.
Benefits of an expertly designed VUL plan
If you're looking for a way to diversify your money instead of simply leaving it in your drawers, a VUL plan like Vision Achiever can provide you with the following benefits:
Maximize growth opportunities in your investment cash value through:
- Access to top-performing global funds. Invest in expertly managed local and international funds with strong track records to boost your returns.
- More investment units for higher account value. Enjoy more units allocated to your policy, increasing your potential for long-term growth.
- Designed to manage market volatility. Built-in strategies help cushion your investment against market ups and downs.
- Fund bonus on the 10th and 20th years. Receive loyalty bonuses that reward you for staying invested over the long term.
Plus, get life insurance coverage up to age 90 to ensure your family’s financial security with protection that lasts well into your golden years.
You hold the power
As the famous line goes, “With great power comes great responsibility.” This applies when considering a Variable Unit-Linked plan. Like any financial tool, a VUL plan comes with risks, and it’s essential to understand both its advantages and disadvantages before committing.
Investing in the global market offers strong growth potential, but it also comes with volatility and unpredictability. That’s why it’s important to regularly check in with your financial advisor to stay informed about your policy’s performance. It also helps to do your own research or consider making top-ups to boost your investment growth even further.
Know you can achieve greater things in life with just one bold move of including Vision Achiever in your financial game plan. To learn more about our expertly designed VUL plan, click here or talk to an AXA Financial Partner today.
*https://www.insurance.gov.ph/insurance-penetration-density-rise-in-q1-2025-vis-a-vis-q1-2024/
