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My concerns about this Cocolife are: I would pay using my credit card. You can use your credit card to pay outright and then after one year, you have a choice to give the premium either monthly or annually through the bank. I must pay the initial premium 1-time with my card then choices afterwards. I asked if I can come back the next day because I have to get my husband’s decision on this matter. How can you decide on investing for a short period of time? It is a classified documents and should be handed to the owner at the moment payment was made.

First he asked if I have credit card and I said yes then he took us to their office and when we got there several people assisted us.

Well, here it goes, you would save up some money worth 15,715 pesos good for the whole year and you would give out the same amount for 10 years.

And you will have a 100,000 pesos face amount and also you will get 10% of the face amount every year after you finished paying the premium. But when I started asking questions, since I have some knowledge about insurance and about some products that bank is offering to depositors, it came to my senses that this could be some sort of a scam hidden behind the name of Cocolife. I don’t have any negative feedback about UCPB since I had an account with them way back in the 2000, they did great in handling the accounts and the depositors.

She told me that it would still depend on the age and health issues of the client. Reluctantly, I answered back if it’s savings then there is no need for check-ups or something like that.