Philam Life Balikbayani Program

Philam Life’s BalikBayani Program is a financial literacy program designed to help the Overseas Filipino (OFs) and their families secure their future through sound financial planning. Through the BalikBayani Program, OFs and their families will be able to understand the financial planning process and the challenges they face in various life events or stages. 

The process begins with educating them up to the time they decide to take action – that is, developing and implementing a financial plan, and taking action in finding solutions that will address their specific financial needs.

Philam Life recognizes how important overseas Filipinos are to their families, and why it is important for them to stay protected at all times. By joining the BalikBayani Program, OFWs like you are entitled to receive a free personal accident coverage worth P25,000.00 valid for 30 days from the time coverage takes effect.

What do you need to do?

1. If you are in the Philippines, fill out our BalikBayani sign-up form.

2. You will receive an email from us, asking you to confirm your information.

3. Reply to validate your email address, and answer some questions to process coverage.

4. We will inform you via email once your coverage takes effect.

5. Enjoy 30 days of coverage, absolutely free.

What if I am not in the Philippines now?

If you are not yet in the Philippines, you have the option of assigning your free personal accident coverage to an immediately family member in the Philippines. To do this, when you reply to their email to validate your email address, simply choose the option assign coverage to my dependent, and they will process the coverage in his/her name. Assigned dependent must meet the eligibility requirements.

Summary of Benefits

Eligibility

• Any active overseas Filipino worker or his immediate family member*, in good health, actively performing the normal chores of life, ages 18-65

*If married, spouse or children. If single, parents or siblings.

Coverage

• Accidental Death (AD): P25,000.00

Benefits 

• AD provides the coverage amount if the insured dies within 180 days from the date of an accident.

Provides 24 hour coverage, worldwide

Beneficiary Designation

• Benefits, if any, are payable to the person or persons surviving the insured in the following order of preference:

(a) Legal Spouse and Children

(b) Parents

(c) Brothers and Sisters

(d) His Estate

Philam Life’s BalikBayani Pasalubong Package is a comprehensive financial program that offers education, investment, retirement, protection and health plans that will address the financial needs of overseas Filipino families. Through the BalikBayani Pasalubong Package, the overseas Filipinos will be able to give their families a more meaningful pasalubong than a simple balikbayan box. Below are the plans included in the BalikBayani Pasalubong Package:

Bright Future Invest: Pasalubong para sa Pag-aaral ng mga Anak
Money Tree: Pasalubong para sa Pinag-iipunang Negosyo
Moneyworks: Pasalubong para sa Maginhawang Kinabukasan
Family Provider: Pasalubong para sa Panatag na Kalooban
Health Invest: Pasalubong para sa Kalusugan

Stand Out With Fat Out

They say a healthy tummy is a healthy body. Digestive problems such as constipation, diarrhea or flatulence can easily turn a peachy day into a ruined one. Consider colon cleansing. Proponents of colon cleansing believe that removing toxins and body wastes from the colon can help you feel better and improve your bodily functions. As an added bonus, if you’re trying to lessen heaviness and decrease your risk of acquiring colon cancer, colon cleansing achieves both. To aide you with colon cleansing, there’s FatOut.


FatOut contains the revolutionary Sweep and Shred Formula which helps in cleansing your colon and trimming down your fat. Psyllium Husk sweeps and cleans the toxins in your colon, while Green Tea Extract shreds and burns your fat. Other ingredients include: Pu’er Tea Extract which eliminates hard-to-digest fat, Aloe Vera Powder which detoxifies the colon, Alfalfa which nourishes the digestive system and Oat Fiber which suppresses the appetite and burns down your fat. The combination of these ingredients can help you lose the pounds without putting your health at risk. Stand out with FatOut.


FatOut should be taken daily, before every meal, preferably with a warm glass of water. FatOut is available at Mercury Drug and leading drugstores nationwide for P125.00 per capsule.

The Allure of Body Sculpting

There are few things more satisfying than getting results. When it comes to sculpting physiques, even fewer can compare. With the body as a canvass, the ability to control one’s own destiny is so tangible that it becomes quite addicting. After years of obesity, one can suddenly reverse his or her situation by dedicated weight training and healthy eating. And the results can be quite life changing.
The only real opponent in body sculpting is yourself. Unfortunately, some are more successful than others as temptations cannot be completely slayed. Others take a longer time to maintain discipline. This is where Redoxfat can help.
What can help us maintain our bodies despite having cheat days are two effective ingredients for weight loss: L-Carnitine and Green Tea Extract. That is why ATC Healthcare International Corp. sought out the best L-Carnitine and Green Tea Extract to fit into one convenient capsule – RedoXfat. RedoXfat is a food supplement that contains 350 mg of Green Tea Extract and 150 mg of L-Carnitine.
RedoXfat’s component, L-Carnitine, is known to be effective in weight loss as it transforms the fatty acids in the body into sources of energy, thereby fueling you enough for the day. Also, having enough L-Carnitine speeds up your metabolism and improves your digestion.
However, aside from its fat-burning capacity, Green Tea Extract is known to be an effective antioxidant as it is 200x more potent than Vitamin E in fighting free radicals in the body thus lessening the chance of having cancer. It may also help in improving muscle strength and in boosting the immune system. It has the ability to detoxifying the body, reducing stress and depression and improving cognitive function.
At the affordable prize of SRP P15.00 per capsule, get rid of your fats fast, before it kills your festive mood during the holidays! Take RedoXfat every day and realize for yourself that weight loss is a life gain after all. RedoXfat is available at Mercury Drug and other leading drugstores nationwide.