20/05/2026
Here's one example of why FUTURESURE may have one of the most attractive IRRs among the endowment plans you've probably seen.
In this example, a client saves ₱284,310 per year for only 5 years, for a total contribution of ₱1,421,550.
But from DAY 1, the client is already protected with ₱2,000,000 worth of life insurance coverage.
Now let's assume nothing happens and the client lives a long, healthy life.
Starting at the end of Year 11, the plan begins paying out ₱100,000 every year for 10 years — guaranteed.
If the client passes away in Year 19, the family still receives the ₱2,000,000 death benefit. By that time, the client would have already received ₱900,000 in payouts, bringing the total value received from the plan to ₱2,900,000.
On the other hand, if the client outlives the full 20-year plan term, the total guaranteed payouts received will be ₱2,000,000.
When you compute the numbers, the IRR is approximately 2.36% if the client survives the entire plan period and receives all payouts.
However, if you consider the death benefit as part of the total value received by the family, the effective IRR can reach as high as 4.71%.
So, is it a good deal?
That depends on WHY you're getting the plan.
Because at the end of the day, FUTURESURE is still an insurance plan—not an investment.
That's why I don't compare it with investments that can potentially earn 4%, 8%, 10%, or even higher returns. Those investments serve a different purpose. Most of them don't provide an immediate ₱2,000,000 protection for your family from Day 1.
Different tools. Different jobs.
What I personally like about FUTURESURE is this:
You're essentially challenging yourself to outlive the plan.
If you "lose" by passing away early, your family wins through the insurance benefit.
If you "win" by living beyond the 20-year period, you enjoy the guaranteed payouts along the way and receive the full benefits of the plan.
Either way, someone you love benefits.
And sometimes, that's exactly what insurance is meant to do.
