₱2,000
Minimum monthly premium to start
For eligible young adults
₱10M+
Projected fund value at 20 years
At ₱5,000/mo, equity fund, age 28
2–4×
Fund multiplier vs. total premiums
Over a 20-year equity fund horizon
₱1–₱5M
Death benefit coverage included
From day one of the policy
How Much Can You Build with AXA VUL Over 20 Years?
₱2,000
Minimum monthly premium to start
For eligible young adults
₱10M+
Projected fund value at 20 years
At ₱5,000/mo, equity fund, age 28
2–4×
Fund multiplier vs. total premiums
Over a 20-year equity fund horizon
₱1–₱5M
Death benefit coverage included
From day one of the policy
3
Fund choices (equity / balanced / bond)
Switchable anytime during the policy
100%
Tax-free insurance proceeds
Under Philippine tax law
How Does AXA VUL Insurance Work in the Philippines?
One premium. Two jobs. Every month your money protects your family and builds your future simultaneously.
1
You Pay a Monthly Premium
As low as ₱2,000/month. AXA splits it between your insurance charges and your investment fund. Both grow over time.
2
Your Fund Grows With the Market
The invested portion is placed in AXA-managed equity, balanced, or bond funds. You choose the risk level. Historical long-term returns: 8–12% for equity.
3
Your Family Is Protected Too
From day one, your family receives a death benefit if something happens to you — regardless of your fund value at that time.
The Long View
What Your VUL Plan Looks Like Over 20 Years
Year 1–3
Protection PhaseYour life insurance is active. Fund value is building. Premiums pay for coverage + early fund accumulation.
Year 5–7
Growth VisibleFund value approaches breakeven. Investment returns begin to outpace insurance charges. Real growth starts here.
Year 10–15
Wealth BuildingFund value meaningfully exceeds total premiums paid. You can begin partial withdrawals or use the fund to pay premiums.
Year 20+
Legacy CreationYour fund has grown to potentially 2–5× your total investment. Combined with your life cover, this is generational wealth.
Which AXA VUL Fund Should You Choose?
Three fund types. Switchable anytime. Your Crux advisor helps you pick the right one for your age and goals.
Equity Fund
Risk: Aggressive
Long-Term Returns
8–12% p.a. long-term avg
Best For
Ages 22–35 / Long horizon
Balanced Fund
Risk: Moderate
Long-Term Returns
5–8% p.a. long-term avg
Best For
Ages 30–45 / Balanced risk
Bond Fund
Risk: Conservative
Long-Term Returns
3–5% p.a. long-term avg
Best For
Ages 45+ / Near retirement
*Historical returns are not guarantees of future performance. VUL investments carry market risk.
Why Do Cebu Professionals Choose VUL Over Traditional Savings?
Insurance is not just paperwork. It is a decision that changes what your family can do with the next generation.
From Breadwinner to Legacy Builder
Most Cebu professionals grind for their family but leave nothing lasting. A VUL started at 28 builds a ₱10M+ fund by 48 — enough to fund a child's college, launch a business, or retire without burdening anyone.
Protecting Income, Not Just Life
If you can't work, your family can't eat. VUL includes life cover from day one. Critical illness add-ons pay a lump sum on diagnosis. Disability riders replace income. Together, they make sure your family never depends on charity.
Inflation-Fighting Wealth
Money in a savings account loses value to inflation every year. AXA's equity fund has historically grown at 8–12% annually — significantly above the Philippine inflation rate of 3–5%. Your wealth grows in real terms.
A Plan That Grows With You
Your Crux advisor reviews your plan annually. As your income grows, your contributions can grow. As life stages change — marriage, children, business — your plan adapts. It is never a static product.
Wealth & VUL Questions Answered
How does AXA VUL work in simple terms?
You pay a monthly premium. Part of it buys life insurance protection. The rest is invested in a fund you choose — equity, balanced, or bond. As the fund grows, your total wealth grows. If you die before maturity, your family receives the higher of your death benefit or your fund value.
Can I withdraw money from my AXA VUL fund?
Yes. After a defined period (usually 3–5 years), you can make partial fund withdrawals. Full surrender of the policy is also possible, but early surrender (within the first few years) typically comes with surrender charges. Your Crux advisor will explain the withdrawal terms for your specific plan.
What happens to my AXA VUL if the stock market crashes?
Your fund value will decline during a market crash, but your life insurance cover remains intact. VUL is a long-term vehicle — short-term market dips are expected and historically recovered. Most AXA VUL investors who stay the course for 10+ years see strong net positive fund growth.
Is AXA VUL better than putting money in a bank?
For long-term wealth building (10+ years), equity-based VUL has historically significantly outperformed bank interest rates in the Philippines. Banks offer ~0.1–1.5% annual interest. AXA equity funds have returned ~8–12% annually over the long term. Plus, VUL includes life cover — banks do not.
Can I switch funds inside my AXA VUL?
Yes. AXA VUL plans allow fund switching — changing your allocation between equity, balanced, and bond funds as your risk appetite changes with life stage. Young investors often start with equity, then shift to balanced as they approach retirement. Your Crux advisor guides these transitions.
What happens to my VUL plan if I miss a premium payment?
Most AXA VUL plans have a grace period of 30–60 days. After that, the policy may lapse if no premium is paid. However, if your fund value is sufficient, AXA can use your fund to pay premiums — known as the "auto-debit from fund" feature. Talk to your Crux advisor to set this up.
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