MANILA, PHILIPPINES — There was a time when buying insurance meant setting aside time for extensive paperwork, visiting a branch office, meeting with a financial advisor, and waiting weeks for an application to be processed. But as Filipinos' everyday habits evolve toward digital convenience—from mobile banking to shopping—insurance expectations are shifting rapidly as well.
For InLife (formerly known as Insular Life), changing customer behavior prompted a core question: How can protection work better for the way Filipinos live today? In response, the insurer has spearheaded digital tools, product innovations, and agile operational frameworks designed to make insurance simpler, faster, and more accessible.
“We believe there is something powerful about being Filipino and protecting fellow Filipinos. We place the same value on family and preparation for the future, and understand the different challenges Filipinos face because we experience them ourselves. That shared understanding inspires us to keep finding better, simpler, and more meaningful ways to protect Filipinos throughout their lives.”
— Gae L. Martinez, Chief Marketing Officer and Chief Bancassurance Officer, InLife
Digital Tools Built Around Speed and Convenience
To eliminate friction points across the customer journey, InLife has built an ecosystem of digital platforms for policyholders and financial advisors alike:
- Automated Underwriting System: Accelerates life insurance applications by streamlining approval workflows.
- InLife App: Gives policyholders 24/7 access to manage their policies, track coverage, and request services directly from their smartphones.
- InLife Super Compass App: Serves as an all-in-one digital sales and productivity platform for financial advisors.
- Ella AI Assistant: Provides automated, policy-specific information whenever and wherever policyholders need assistance.
Pioneering First-to-Market Financial Solutions
Beyond technology platforms, InLife continues to introduce tailored solutions built around contemporary financial realities across different life stages:
1. Preparing for Retirement: Retire Assure & RRI
To help Filipinos gauge retirement readiness, InLife developed the nation's first Retirement Readiness Index (RRI), measuring preparedness across six factors: life stage, personal finances, health, pension participation, sentiment, and social support.
Following this insight, InLife introduced Retire Assure, a guaranteed income plan for post-working years (ages 60 to 100). It features flexible payout structures and requires no medical exams, providing reliable income as life expectancy increases.
2. Accessible Protection: Stackbit
Designed for younger demographics and emerging consumers, Stackbit offers modular coverage starting at just ₱10. Customers can select from three stackable coverage options, enabling them to build financial protection gradually without large upfront financial commitments.
3. Global Healthcare Coverage: InLife Global Care
To supplement existing Health Maintenance Organization (HMO) coverage, InLife Global Care covers critical illnesses and major medical needs, offering access to specialized treatment centers both locally and internationally.
Preventive Wellness and Agile Transformation
For high-net-worth policyholders within its Amorsolo Circle program, InLife introduced InLife HealthCheck. The digital tool uses a 60-second video selfie on a mobile device to analyze sub-dermal blood flow and return a snapshot of over 30 wellness indicators—encouraging proactive, routine health monitoring before clinical symptoms manifest.
Behind the scenes, InLife has adopted Agile methodologies and cross-functional Mission-Based Teams (MBTs). By bringing together sales, underwriting, customer relations, and IT teams around specific customer needs, products like Retire Assure and Stackbit were brought to market faster.
Nearing 116 years of operation, InLife's modernized brand identity reflects an agile, customer-centric organization committed to helping Filipinos prepare for the future.
To learn more, visit the official website at www.inlife.com.ph.
