March 7, 2007

GSIS RESOLUTION NO. 46-07

RESOLVED, to APPROVE the proposed Policy and Procedural Guidelines on the Administration of Housing Loan Redemption Insurance (HLRI), a copy of which is hereto attached and made an integral part of this Resolution.

All Orders, Circulars, Policy and Procedural Guidelines and other previous issuances by the GSIS, which are inconsistent herewith, are hereby superseded, modified or repealed accordingly.

The PPG shall take effect upon Board approval. cSaCDT

ATTACHMENT

October 19, 2006

POLICY AND PROCEDURAL GUIDELINES NO. 196-07

FUNCTIONAL AREA	:	General Insurance
DISTRIBUTION	:	The Senior Executive Vice President
		All Executive Vice Presidents
		All Senior Vice Presidents
		Vice Presidents and Managers
		Housing and Real Property Development Group
		Social Insurance Group
		Field Operations Group
		Controller Group
		General Insurance Group
		Actuarial Group
		Medical Services
SUBJECT MATTER	:	Housing Loan Redemption Insurance (HLRI)

 

I. BACKGROUND/RATIONALE

HLRI is a decreasing term insurance policy which guarantees full settlement of the "theoretical" or the ideal balance of the loan in case the borrower dies within the term of his/her loan. It is for the protection of both the mortgagee and the housing loan borrower. On the part of the mortgagee, upon death of the borrower while the mortgage contract is in force, the insurance proceeds will be applied as payment of the balance of the loan. In the same vein, ample protection is given to the borrower so that in the event of death, the theoretical (ideal balance) will be extinguished.

The PPG aims to spell out the policies, rules and regulations for this coverage which would facilitate the following:

• underwriting and issuance of policies;

• administration of accounts;

• claims settlement; and

• recording in the books of accounts

II. OBJECTIVES

The PPG aims to:

1. Provide a comprehensive set of guidelines for the implementation of this program and other terms and conditions relevant to its administration; cEAaIS

2. Define the responsibility of various units in the administration of these accounts; and

3. Ensure uniform implementation of policies and procedures on HLRI.

III. POLICIES

A. SCOPE OF COVERAGE

1. HLRI shall cover the following:

1.1 GSIS housing loan borrowers

1.2 Any of the following individuals who have existing housing loans from other government and/or private lending institutions:

1.2.1 active GSIS member

1.2.2 legitimate spouse of an active GSIS member

1.2.3 parent/s of an active GSIS member

1.2.4 legitimate children of an active GSIS member

1.2.5 brothers and sisters of an active GSIS member, GSIS retiree or pensioner

2. Coverage shall be compulsory for all new and restructured GSIS housing loan borrowers fifty-five (55) years old and below and optional for borrowers above fifty-five years old. aIAHcE

3. Coverage for housing loan borrowers enumerated in 1.2 shall be optional regardless of age.

B. UNDERWRITING

1. Eligible Applicants

1.1 Non-medical Applicants

 Applicants fifty-five (55) years old and younger applying for coverage with an amount of insurance not exceeding P500,000.00 shall accomplish the Health Declaration Form as part II of the Application Form (Annex 1). After evaluating the HDF and there are findings, a physical and medical examination shall be required. The Insurance Underwriter's Report must be accomplished in all cases. ICASEH

1.2 Medical Applicants

 A physical and medical examination shall be required for the following cases:

1.2.1 Applicant applying for coverage over P500,000.00 regardless of age;

1.2.2 Applicant whose age at the time of application is over 55 years of age regardless of the amount of insurance.

2. Conduct of Physical and Medical Examination

2.1 Risk appraisal for insurance coverage shall be performed by the Medical Evaluation Underwriting Department (MEUD) for CO and by the field medical officer for FO. For FOs with no medical officer, risk appraisal shall be arranged with the nearest FO that has a medical officer or with MEUD (CO).

2.2 The Field Medical Officer shall conduct preliminary underwriting procedures for insurance applications. TaCSAD

3. Evaluation of Physical and medical examination

3.1 The medical requirements are as follows:

3.1.1 Physical and Medical Examination

3.1.2 Urinalysis

3.1.3 X-ray

3.1.4 Fasting Blood Sugar

3.1.5 Resting ECG Tracing (mounted)

3.1.6 Blood Cholesterol Determination

3.1.7 Hemoglobin (HGB), Hematocrit (HCT) & White Blood Count

3.1.8 Complete Blood Count TDCcAE

3.1.9 Modified Stress test

3.1.10 Blood Chemistry Studies on Uric Acid, Creatinine and BUN

3.1.11 Second Physical and Medical Examination performed preferably by a government physician

 The above tests shall not preclude other examinations that may be required by the Medical Evaluator based on clinical findings.

3.2 In determining the insurability of the member-applicant, the following risk classification shall be used for both medical and non-medical cases: DHITCc

3.2.1 Standard Risks — applicants with normal findings

3.2.2 Sub-standard Risks — applicants found to be afflicted or suffering from temporary or benign ailment which does not justify outright rejection of the application.

 The following are the applicable mortality risk ratings:

0-24	Standard
25-34	Sub-standard A
35-54	Sub-standard B
55-74	Sub-standard C
75-99	Sub-standard D

3.2.3 Coverage for applicants with mortality risk rating above 99 shall be declined.

3.3 The factors to be used in the selection and classification of risks shall be consistent with the International Medical Underwriting Standards such as but not limited to the following:

3.3.1 Height and Weight Ratio

3.3.2 Family History

3.3.3 Medical History

3.3.4 Organ system findings

3.3.5 Laboratory findings HDTSCc

3.4 Request for reconsideration on sub-standard and declined cases shall be allowed only after one year from the date of last examination. A written request shall be required and the applicant shall undergo another physical and medical examination.

3.5 All non-medical cases shall be automatically considered as accepted insurance risks.

 However, all HDFs with affirmative declaration of illness shall be referred to the Medical Services Office (CO) and Medical Officer (FODs). The applicant shall then be required to undergo physical and medical examination.

 The HLRI of an applicant who failed to undergo physical and medical examination shall be declined. ICHcaD

3.6 Results of physical and medical examination shall be valid for 90 days from the date of completion of the examination. In case the applicant cannot complete the examination within 90 days, all physical and medical examination requirements shall be done again.

3.7 The underwriting rules and procedures shall apply to both compulsory and optional coverage.

4. Issuance of HLRI Policy Contract

4.1 HLRI policy contract shall be issued by the Assurance Department (AD) for CO and the Special Business Divisions (SBDs) for FODs.

4.2 Requirements for the issuance of policy contract shall be the following:

4.2.1 Duly accomplished HLRI application, including the HDF portion; Mortgage Contract; ACETID

4.2.2 Results of physical and medical examinations, when necessary;

4.2.3 Payment of applicable premium;

4.2.4 Amortization Table with ideal balances, applicable to borrowers of other government and private lending institutions.

5. Effective date of Coverage

1.1 Compulsory coverage

 The policy shall take effect on the date of the release of the loan. However, for one-time full release of housing loan, the borrower shall be required to pay the first monthly premium before the release of the loan.

1.2 Optional coverage

1.2.1 The effective date of a policy whose first monthly premium was paid directly to GSIS shall be the date of the official receipt. ScaCEH

1.2.2 When payment is made thru salary deduction, the effective date shall be the first day of the month following the receipt of the first monthly installment.

6. Age at Issue

The age at issue of the applicant shall be the age nearest the issue date.

6.1 Age at issue shall be the applicant's age at next birthday if the difference between the date of effectivity and the applicant's last birthday is equal to or more than 183 days.

6.2 Age at issue shall be the applicant's current age if the difference between the date of effectivity and the applicant's last birthday is less than 183 days. ASIDTa

C. MAINTENANCE OF POLICIES

1. Amount of Insurance (AOI)/Monthly Premiums

1.1 The AOI of the HLRI shall be equivalent to:

1.1.1 The full amount of approved housing loan for one-time full releases;

1.1.2 Total amount released for partial releases.

1.1.3 The ideal balance at the time of procurement of insurance coverage (for optional coverage only).

1.2 The redemption insurance premium shall be embedded in the housing loan monthly amortization.

 For this purpose the Actuarial Group shall provide the OUCs, the table of premium rates subject to adjustment depending on the housing loan package.

1.3 The monthly premium due shall be based on the AOI and the applicant's age at issue. cDECIA

1.4 For borrowers whose occupations are hazardous or who are working or assigned in danger zones both local and foreign, additional premium shall be imposed.

1.5 For staggered releases, the monthly premium shall be adjusted if the Insured shall become one year older on the date of the last release of the loan.

1.6 The due date of the monthly premium payments shall be the first day of each month of the paying period.

1.7 Any monthly payment made whether by salary deduction or by direct payment shall be applied in accordance with the following order of priorities:

1.7.1 HLRI surcharge

1.7.2 HLRI premium

1.7.3 Fire Insurance surcharge

1.7.4 Fire Insurance premium ECSaAc

1.7.5 Surcharge on interest

1.7.6 Interest

1.7.7 Principal

1.8 All premium payments received by the Housing Finance Services Department (HFSD) for CO and Administrative Division/Support Services Division for FODs shall be paid to the AD for CO and the SBDs for FODs.

1.9 When any monthly premium remains unpaid after its due date, a grace period of six (6) months shall be allowed, during which time the policy remains in force.

1.10 After the policy has lapsed, the premium for the six (6) months grace period shall bear a penalty of one-half per centum (1/2%) per month until fully paid. ACTEHI

1.11 An unpaid premium shall be deducted from the claim proceeds provided that said unpaid premium is within the grace period.

2. Lapsing of HLRI Policy

2.1 HLRI policy shall automatically lapse when no premium payment is received after the six (6) months grace period.

2.2 Effective date of lapsation shall be the first day after the end of the grace period.

2.3 The AD for CO and SBD for FODs shall issue notice of lapsation not later than the last day of the second month following the lapsation month.

3. Reapplication of a Lapsed Policy Contract (for restructured accounts only)

3.1 If the policy has lapsed, the borrower shall be allowed to apply for a new policy subject to the same underwriting rules and procedures applicable to a new borrower. EIDATc

3.2 HLRI shall take effect on the first due month of the restructured loan as contained in the Restructuring Agreement.

3.3 As a condition for reapplication, all unpaid premiums should be paid in full before a new policy shall be issued.

4. Posting of Premium Payments

The Central Posting Department (CPD) for CO/Posting and Membership Division for FODs shall be responsible in posting HLRI premium payments.

5. Termination of HLRI

The policy shall automatically terminate if:

• the policy has lapsed;

• mortgage had been foreclosed;

• total loan amount had been fully paid; or cCaEDA

• upon the effective transfer of the Insured's interest and/or title to the subject property.

6. Restructured Housing Loans

6.1 Adjustment of HLRI policy covering a restructured loan shall be made without need of a new physical and medical examination or submission of HDF unless it involves a change from non-medical to medical status.

6.2 For transfer of mortgage, the transferee shall be subject to the same

underwriting rules and procedures applicable to a new borrower.

7. Non-Participating

The HLRI policy shall not participate in the surplus earnings of the System.

8. Cash and Non-Forfeiture Values THIASE

There shall be no loan, cash or other non-forfeiture values on HLRI policy or any option of conversion to a plan of permanent insurance.

D. SETTLEMENT OF CLAIM

1. As a death benefit, the System shall consider the loan as fully paid if the mortgagor dies while the HLRI policy is in force.

2. Full payment of the loan shall not include unpaid amortizations and arrearages incurred before the time of death. The beneficiary/ies shall be required to settle said due amounts before claim processing.

3. For borrowers with housing loan from other government or private financing institution, and whose loan is due and demandable at the time of death, the claim shall not be paid.

4. The contestability period shall be two years from date of issue or reinstatement except for non-payment of premiums. EAIcCS

5. Claims filed within the contestability period shall be referred to the MEUD for CO and the Medical Officer for FODs for evaluation and determination of the compensability of the claim.

6. Death arising out of the following are not covered:

6.1 Suicide or self-inflicted injuries, whether the Insured be sane or insane;

6.2 Participation in any strike, riot, insurrection, or war, or any act incident thereto;

6.3 Cosmetic and plastic surgery except when required due to accidental injury;

6.4 Habitual intoxication; aTcIEH

6.5 Use of dangerous drugs without physician's prescription;

6.6 Intentional exposure to unnecessary danger; or

6.7 Pre-existing illness for which medical treatment has been received within six (6) months prior to the issuance of this policy.

7. A certificate of coverage shall be issued by the AD for CO and the SBD for FODs certifying to the status of the policy as a pre-requisite in the adjudication of the claim to:

7.1 Housing Finance Account Department (HFAD) for CO and ACAD for FODs for GSIS housing loan borrowers; and

7.2 Lending institution for the account of borrowers enumerated in A, No. 1.2.

8. The Medical Services Office for CO or the Medical Officer for FODs shall evaluate the compensability of the claim against the HLRI coverage.

9. The computation of the outstanding balance (OB) shall be the responsibility of the HFAD for CO and the ACAD for FOD for GSIS housing loan borrowers. ISDHEa

10. For policyholders whose loans were procured from other government or private lending institutions, the Claims Department of the Social Insurance Group shall require their beneficiary/ies to submit a statement of account as of the date of the Insured and other documents which maybe deemed necessary in the processing and adjudication of the claim.

11. The disbursement voucher and check shall be prepared by the Claims Department of the SIG for CO and the Claims Divisions for FODs. The check shall be payable to HRPDG for GSIS housing loan borrowers and the concerned lending institution for borrowers enumerated in A, No. 1.2.

12. The existing levels of authority as provided for in the Manual of Signing and Approving Authorities in the settlement of claims shall be followed.

E. FACILITY REQUIREMENTS

For the implementation of the HLRI, the ITSG shall provide the following facilities to the OUCs: ScaHDT

1. Creation of policy data

2. Notice of Insurability

3. Generation of Policy Contract

4. Premium Posting facility (with automatic distribution of payments as provided for under C, No. 1.7

5. Statement of Account for Delinquent policyholders

6. Notice of Lapsing

7. Certificate of Coverage

8. Claims Settlement

9. Generation of reports ACaEcH

F. ACCOUNTING ENTRIES

HLRI transactions shall be recorded in the books of accounts using the following journal entries as shown in Annex B.

G. REPORTORIAL REQUIREMENTS

The AD of GIG, GIAD, HRPDG and Claims Department of SIG shall provide ITSG with the report layout, and the required input and computational requirements for the following reports:

	Types of Reports	Frequency
1.	Abstract of Collection	Daily & Monthly
	Distributed as to premium, interest,
	surcharges & other fees (if any) and as to:
	•	Surplus — for prior years (premium,
		interest and surcharges)
	•	Current — current year premium
	•	No. of items
2.	Abstract of Disbursements	Daily & Monthly
	Distributed as to claim amount; deductions
	made & the net amount (per item) to be paid;
	no. of cases
3.	List of Lapsed Policies	Monthly
4.	Report on Reinsurance Premium	Monthly
5.	List of Policies with two (2) months past due
	accounts	Monthly
6.	List of policies with three (3) months due
	accounts	Monthly
7.	Schedule of Payment to Reinsurers (CO only)	Quarterly
8.	Claims Production Reports	Monthly
	•	Claims Paid
	•	Outstanding Claims
		(Including no. of claims and amount)
9.	Notice of Lapsation/Cancellation	Monthly
10.	Statement of Account	Monthly

H. MANUAL OF OPERATIONS

The functional group/s concerned shall ensure that all necessary changes in procedures are reflected in the pertinent sections of the Manual of Operations for (FG Processes including the Field Offices) to align them or make them conform with the guidelines set forth in this PPG.

All Orders, Circulars, Policy and Procedural Guidelines which are inconsistent herewith are hereby superseded or modified accordingly. SECHIA

This PPG shall take effect upon Board approval.

(SGD.) WINSTON F. GARCIA

DETAILED PROCEDURES

HOUSING LOAN REDEMPTION INSURANCE

PROCEDURE NO: 001

TITLE OF PROCEDURE: ISSUANCE OF POLICY CONTRACT
STEP		ACTIVITY	RESPONSIBILITY
				CO	FOD
1	Receive HLRI application (see Annex A) from applicant	ASO IV	MAO
	together with the following documentary requirement/s:
	1.1	For GSIS Housing Loan Accounts:
		•	Mortgage Contract
	1.2	For other Government/Private lending Institutions:
		•	Mortgage Contract
		•	Statement of Account with Outstanding Balance (OB)
2	Distribute applications by loading	ASO IV, AD	DC III,
					SBD
3	Determine whether insurance application is	AMS, AD	SGIS
	Medical or Non-Medical case
		-	If non-medical case-Standard Risk
			Classification (applicant is not required to
			undergo medical/physical examination),
			proceed to steps 4 to 15
		-	If medical case (applicant is required
			to undergo medical/physical examination)
			proceed to steps 16 to 21
4	Compute monthly premium (see MGI-001) using	AMS, AD	SGIS
	Table of Premium Rates (see Annex C)
5	Register policy data in the Registry Book (see MGI-002)	AMS, AD	SGIS
6	Indicate assigned policy number in the insurance	AMS, AD	SGIS
	application
7	Create policy data on mainframe (see MGI-003)	AMS, AD	SGIS
	-	If loan release is on a staggered basis,
8	Issue/initial/forward notice of insurability (see Annex D) to	AMS, AD	SGIS
	Authorized Signatory (see MGI 004)
9	Review/sign notice of insurability	Authorized	Authorized
				Signatory	Signatory
10	Record/release Notice of Insurability to:	AMS, AD	SGIS
	•	Original — HFD (CO)/SBD (FOD)
	•	Duplicate copy — member-applicant
	•	3rd Copy — RMD (CO)/Records Custodian (FOD)
11	Forward the following documents to Records Management	ASO IV	SGIS
	Department (CO)/Records Custodian (FOD)
	•	Insurance application
	•	Mortgage Contract
	•	Copy of notice of insurability
	•	Computer print-out of policy data
	•	Statement of Account with OB for optional cover
	-	If loan release is one time only,
12	Issue/initial/forward policy contract (see Annex E) to	AMS, AD	SGIS
	Authorized Signatory
13	Review/sign policy contract	Authorized	Authorized
				Signatory	Signatory
14	Record/release Policy Contract to:	AMS, AD	SGIS
		•	Original — member-applicant
		•	Duplicate copy — RMD (CO)/Records
			Custodian (FOD)
15	Forward the following documents to Records Management	ASO IV	SGIS
	Department (CO)/Records Custodian (FOD):
		•	Insurance application
		•	Mortgage Contract
		•	Copy of policy contract
		•	Computer print-out of policy data
16	Fill up/initial/forward to DC III request for physical and	AMS, AD	SGIS
	medical examination (see Annex F) of member-applicant to
	Medical Services Group (MSG) (CO)/Medical Officer
	FOD
17	Sign request for physical and medical examination	DC III/AD	DC III/AD
18	Advice member-applicant to proceed to MSG (CO)/Medical	AMS, AD	SGIS
	Officer (FOD)/accredited government hospital for the
	examination
19	Receive the following from MSG (CO)/Medical Officer	ASO IV	MAO
	(FOD)/accredited government hospital:
		•	Insurance Application
		•	Record of Physical and Medical Examination
		•	Results of laboratory examinations
		•	Medical Report indicating the Risk Classification
20	Evaluate documents from MSG (CO)/Medical Officer	AMS, AD	SGIS
	(FOD)/accredited government hospital:
		-	If declined,
	20.1	Prepare/initial/forward disapproval letter	AMS, AD	SGIS
	20.2	Sign/forward disapproval letter	DC III/MGR	DC III/
					MGR
	20.3	Release/forward the following:	AMS, AD	SGIS
		•	Member-applicant — original copy
		•	HFD (CO)/SBD (FOD) — duplicate copy and
			all documents for insertion to PE (Housing PE)
21	File copy of disapproval letter	ASO IV	SGIS
		-	If approved, follow steps 4 to 15
		-	If loan release is on a staggered basis,
22	Forward copy of vouchers of releases of loan	HFD	SBD
23	Receive copy of vouchers for releases of loan	AMS, AD	MAO
24	Pull out policy envelope from RMD (CO)/Records	ASO IV	SGIS
	Custodian (FOD)
25	Validate policy data	AMS, AD	SGIS
	25.1	Compute attained age of policyholder based on date
		of last release of loan
		-	If attained age > age upon issuance of notice of
			insurability, proceed to step 26 then follow steps
			nos. 12 to 16
		-	If attained age = age upon issuance of notice of
			insurability, follow steps nos. 12 to 16
26	Prepare/initial Notice of Change (see Annex G) to reflect	AMS, AD	SGIS
	adjusted monthly premium, effective date of adjustment
	and basis of adjustment.

 

PROCEDURE NO: 002

TITLE OF PROCEDURE: LAPSING OF POLICY
STEP			ACTIVITY	RESPONSIBILITY
				CO	FOG
1	Receive from ITSG list of policies with 3 (three) months past due	ASO	ITO
	accounts
2	Issue notice of overdue/non-payment of premium for delinquent	AMS,	SGIS
	policy holder (statement of account)	AD
	-	If no payment was made on the policy within the grace
		period of six (6) months by the policyholder, proceed to
		steps 3 to 8
	-	If payment was made within the grace period, proceed to
		steps 9 to 14
3	Verify/check premium installment record in the database	AMS, AD	SGIS
4	Prepare/initial notice of lapsing/cancellation of policy to DC III	AMS, AD	SGIS
5	Update/tag status of policy from 'ACTIVE' to 'LAPSED'	AMS, AD	SGIS
	(see MGI - 006)
6	Review/sign notice of lapsing/cancellation	DC III	DC III
7	Record/release Notice of Lapsing/cancellation to:	ASO IV	SGIS
	•	Original — policyholder
	•	Duplicate copy — HFAD (CO)/SBD
		3rd Copy - RMD (CO)/Records Custodian (FOD) for
		insertion to PE
8	File Transmittal List	ASO IV	SGIS
9	Upon receipt of request for updating from HFAD or borrower	AMS,	SGIS
	Access/forward to HFAD statement of account on database	AD
10	Prepare SA incorporating the HLRI premium in arrears and issue	HFAD	SGIS
	Order of Payment
11	Advise borrower to proceed to CRAD (CO)/Cashier (FO)	HFAD	SGIS
12	Issue OR	CRAD	Cashier
13	Post payments		CPD	PMD
14	Update/tag status of policy from 'LAPSED' to 'ACTIVE'	AMS,	SGIS
	(see MGI - 006)	AD

PROCEDURE NO: 003

TITLE OF PROCEDURE: REAPPLICATION
STEP		ACTIVITY	RESPONSIBILITY
				CO	FOD
1	Receive request for reapplication of policy from	ASO IV	MAO
	HFAD/policyholder
2	Access/prepare statement of account from database	AMS, AD	SGIS
3	Issue Order of Payment (see MGI 007) and advice member	AMS, AD	SGIS
	to proceed to CRAD (CO)/Cashier (FO) for payment of PIA
	for lapsed policy
4	Post premium payment	CPD	PMD
5	Require borrower to fill-up application form together with	AMS, AD	SGIS
	the following documentary requirement/s:
	5.1	For GSIS Housing Loan Accounts:
		•	Restructuring Agreement
	5.2	For other Government/Private lending Institutions:
		•	Restructuring Agreement
		•	Statement of Account with Outstanding Balance (OB)
6	Determine whether insurance application is Medical or	AMS, AD	SGIS
	Non-Medical case
		-	If non-medical case — Standard Risk
			Classification (applicant is not required to
			undergo medical/physical examination), proceed
			to steps 7 to 15
		-	If medical case (applicant is required to undergo
			medical/physical examination), proceed to steps
			16 to 21
7	Compute monthly premium (see MGI-001) using Table of	AMS, AD	SGIS
	Premium Rates for HLRI (see Annex C)
8	Register policy data of the re-applied policy in the Registry	AMS, AD	SGIS
	Book (see MGI-002
9	Indicate new policy number in the insurance application	AMS, AD	SGIS
10	Create policy data on mainframe (see MGI-003)	AMS, AD	SGIS
11	Issue/initial/forward notice of insurability (see Annex D)	AMS, AD	SGIS
	to Authorized Signatory (see MGI 004)
12	Review/sign/forward notice of insurability to HFAD/SBD	DC III	DC III
	(Housing Accounts Section)
13	Upon receipt of first payment, issue policy contact	AMS, AD	SGIS
14	Record/release PE to:	ASO IV	SGIS
	•	Original — HFD (CO)/SBD (FOD)
	•	Duplicate copy — member-applicant
	•	3rd Copy — RMD (CO)/Records Custodian (FO)
15	Forward the following documents to Records Management	AMS, AD	SGIS
	Department (CO)/Records Custodian (FOD)
		•	Insurance application
		•	Mortgage Contract
		•	Copy of notice of insurability
		•	Computer print-out of policy data
		•	Statement of Account with OB for optional cover
	Note: Insert old PE to new file
16	Fill up/initial/forward to DC III request for physical and	AMS, AD	SGIS
	medical examination (see Annex F) of member-applicant to
	Medical Services Group (MSG) (CO)/Medical Officer
	(FOD)/accredited government hospital
17	Sign request for physical and medical examination	DC III	DC III
18	Advice member-applicant to proceed to MSG (CO)/Medical	AMS, AD	SGIS
	Officer (FOD)/accredited government hospital for the
	examination
19	Receive the following from MSG (CO)/Medical Officer	ASO IV	SGIS
	(FOD)/accredited government hospital:
		•	Insurance Application
		•	Record of Physical and Medical Examination
		•	Results of laboratory examinations
		•	Medical Report indicating the Risk Classification
20	Evaluate documents from MSG (CO)/Medical Officer	AMS, AD	SGIS
	(FOD)/accredited government hospital:
		-	If declined,
	20.1	Prepare/initial/forward disapproval letter	AMS, AD	SGIS
	20.2	Sign/forward disapproval letter	DC III/Mgr.	DC III/Mgr.
	20.3	Release/forward disapproval letter to the following:	AMS, AD	SGIS
		•	Member-applicant
		•	HFAD (CO)/SBD (Housing Accounts Section)
			(FOD)
		•	RMD (CO)/Records Custodian (FOD)
21	Forward PE together with the following documents to RMD	ASO IV	SGIS
	(CO)/Records Custodian (FOD):
		•	Request letter for reinstatement of policy
		•	Health Declaration Form (HDF)
		•	Copy of disapproval letter
		-	If approved, follow steps 7 to 15

PROCEDURE NO: 004

TITLE OF PROCEDURE  : TRANSFER OF ACCOUNT
STEP		ACTIVITY	RESPONSIBILITY
				CO	FOD
1	Receive request for transfer of account from CO to FOD or	ASO IV	MAO
	vice versa
2	Verify/check premium installment record in the database	AMS, AD	SGIS
	(see MGI - 005)
	-	If not updated,
3	Request Central Posting Department (CPD)/PMD to update	AMS, AD	SGIS
	posting
4	Update premium posting	CPD	PMD
5	Prepare/initial Debit/Credit Memo	AMS, AD	SGIS
6	Review/sign Debit/Credit Memo	DC III/MGR	DC
					III/MGR
7	Forward to GIAD (CO)/FOGAD/FOGOU (FOD) for journal	ASO IV	SGIS
	entry
8	Record in the Books of Accounts	GIAD	FOGAD/
					FOGAU
9	Upon receipt from GIAD (CO)/FOGAD)/FOGOU (FOD),	ASO IV	SGIS
	transmit to OVP-Area 1 or 2 (CO)/Home Office
10	File copy of transmittal	ASO IV	SGIS

PROCEDURE NO: 005

TITLE OF PROCEDURE : SETTLEMENT OF CLAIMS
				HO	FOG
1	Receive/record request for notice of coverage from HFAD	ASO IV	SGIS,
					Housing
					Accts
					Section
					(HAS),
					SBD)
2	Request from the family of the policyholder the following	AMS, AD	SGIS
	documents:
	2.1	GSIS Housing Loan Borrowers
		•	death certificate of the insured
		•	original policy contract
		•	certified true copy of marriage contract
	2.2	Other Government/Private Lending Institution
		•	death certificate of the insured
		•	original policy contract
		•	certified true copy of marriage contract
		•	statement of account indicating the ff: payments
			with date and OR number: theoretical OB
3	Pull out policy envelope from PMD (CO)/Records	AMS, AD	SGIS
	Custodian (FO)
4	Check status of policy and installment record from	AMS, AD	SGIS
	database
		-	If active, proceed to steps 5 to
		-	If lapsed, proceed to steps 11.1 to 12
5	Determine date of death	AMS, AD	SGIS
		-	If date of death is within the contestability
			period
		-	If date of death is after the contestability
			period, proceed to steps 13 to 21
6	Prepare/initial memorandum to MSG (CO)/Medical	AMS, AD	SGIS
	Officer (FO) requesting for medical evaluation
7	Sign memorandum to MSG (CO)/Medical Officer (FO)	DC III/MGR	DC III/MGR
8	Forward memorandum with PE and other supporting	ASO IV	SGIS
	documents to MSG (CO)/Medical Officer (FOD)
9	Evaluate compensability of claim	Medical	Medical
				Evaluator	Officer
10	Receive the following from MSG (CO)/Medical Officer	ASO IV	SGIS
	(FOD)
		•	PE
		•	Medical Evaluation
11	Evaluate documents from MSG (CO)/Medical Officer	AMS, AD	SGIS
	(FOD)
		-	If declined,
	11.1	Prepare/initial/forward disapproval letter	AMS, AD	SGIS
	11.2	Sign/forward disapproval letter	DC III/MGR	DC III/MGR
	11.3	Release/forward disapproval letter to the following:	AMS, AD	SGIS
		•	Member-applicant
		•	HFAD (CO)/SBD (FO)
		•	RMD CO/Records Custodian (FOD)
12	Forward PE together with the following documents to	ASO IV	SGIS
	RMD (CO)/Records Custodian (FOD):
		•	Medical Evaluation
		•	Copy of disapproval letter
	-	If approved,
		12.1	GSIS housing loan accounts, proceed to
			steps 13 to 21
		12.2	Other Government/Private Lending
			Institution, proceed to steps 13, 19 to 21
	-	If approved, with PIA but date of death is within
		the grace period
		12.3	Access SA
		12.4	Issue OP
		12.5	Advice member to proceed to CRAD
		12.6	Upon receipt of payment, proceed to
			steps 13 to 21
13	Update status of policy on database from 'ACTIVE' to	AMS, AD	SGIS
	'DEATH' (see MGI - 006)
14	Issue/initial/forward Certificate of Coverage (see Annex H)	AMS, AD	SGIS
	/computer print-out to Authorized Signatory/ies
15	Review/sign Certificate of Coverage	Authorized	Authorized
				Signatory/ies	Signatory/ies
16	Forward Certification together with all documents to	ASO IV	SGIS
	HFAD (CO)/SBD (FO)
15	Upon receipt of certification from AD (CO)/HAS, SBD	AMS, HFAD	HAS, SBD
	(FO), compute theoretical (ideal) balance of the account
	as of date of death of the mortgagor.
16	Prepare/initial/forward worksheet/record of payments to	Authorized	HAS, SBD
	Authorized Signatory/ies	Signatory/ies,
				HFAD
17	Review/sign worksheet/record of payments	DC III/MGR	DC III/MGR
18	Forward worksheet/record of payments to Claims	AMS, HFAD	HAS, SBD
	Department (CD), SIG (CO)/HAS, SBD (FO) for
	preparation of voucher and check
19	Prepare/initial/forward voucher/check based on	SIA II, CD	SIS, CD
	Worksheet/Record of Payments
20	Review/sign voucher and check *	Authorized	Authorized
				Signatory	Signatory
21	Release the following to:	SIA II, CD	SIS, CD
	21.1	Original Voucher & Check - CAD II
	21.2	Copy of Voucher & supporting documents - GIAD
	21.3	File copy - Claims Dept., SIG

* Check payable to:

• HRPDG — GSIS Housing Loan Accounts

• Other Government/Private lending institution — loan accounts from private or other government lending institutions SECIcT

PROCESS WORKFLOW

 

METHODS, GUIDELINES AND INSTRUCTIONS (MGI)

MGI 001. Computation of Gross Monthly Premium (GMP)

Step 1: Compute Age at Issue of Member-Applicant

Step 2: Look for the GMP Table corresponding to the age, risk classification and term of housing loan. Locate GMP factor using the age at issue of the applicant, term of loan and Premium Paying Period (PPP).

Step 3: Multiply the amount of insurance (AOI) by the GMP factor.

Example: Given an HLRI application with the following data:

Date of birth of applicant:	08-22-1982
Amount of insurance applied for (approved	P1,000,000
loan):
Term of Loan	25 years
Premium Paying Period:	25 years
Risk Classification:	Sub-A
Date of Issue:	05-01-2005

Step 1.	2005 - 05 - 01	- Date of Issue
	1982 - 08 - 22	- Date of Birth
	–––––––––––
	22 - 08- 09
	23	- Age of Applicant
Step 2.	Get Premium factor from GMP Table:
Step 3.	(P1,000,000 x y)/1000 = P ______ (GMP)

MGI 002. Registration of Policy Data in Registry Book THESAD

1.1 Name of applicant

1.2 Name of office

1.3 Date of issue

1.4 Age at issue of applicant

1.5 Date of birth

1.6 Term of Housing Loan

1.7 Premium Paying Period (PPP)

1.8 Amount of insurance

1.9 Monthly premium

1.10 Last Installment Payment

1.11 Beneficiaries

1.12 Risk classification

MGI 003. Creation of Policy Data (for system development)

MGI 004. Authorized Signatory per Manual of Approving/Signing Authorities

A. Policy Contracts

			Limits of Authority	Authorized Official/Unit
1.	Approval of	•	TSI of over 1B	SVP, GIG/FOG
	coverage and	•	TSI of up to 1B	VP-Underwriting
	signing of Policy			Office/FOG
	Contract	•	TSI of up to P100M	Manager, AD/FOD
		•	TSI of up to P1M	DC, AD/Membership
				Division (FOD)

B. Claims and Benefits

	DISBURSEMENT VOUCHER	CHECK
Certification-	Approval		Limits of Authority	Signing		Limits of
Expense			(Gross			Authority
Necessary,			Amount/Claim)			(Amount of
Lawful, etc.						Check)
VP, UO/FOG	SVP,	•	Over P5M	VP,	•	Over P5M
	GIG/FOG			UO/FOG
DM, AD/FOD	VP, UO/	•	Up to P5M	DM, AD/	•	Up to P5M
	FOG			FOD
DC, AD/FOD	DM,	•	Up to P2M	DC III, AD/	•	Up to P2M
	AD/FOD			FOD

Note: The PGM (facsimile signature) shall countersign the check.

Note: The approving official of the disbursement voucher shall countersign the check. In the absence of the SVP concerned, any of the other SVPs shall countersign the check. SIEHcA

MGI 005. View Installment Record (for system development)

MGI 006. Updating/tagging of Policy Status (for system development)

MGI 007. Issuance of Order of Payment

1. Verify from database if premium posting is updated

1.1 Double click PROD (Production) icon

1.2 Type "C" (Production Application System)

1.3 Type User ID

1.4 Press TAB key

1.5 Type User Password

1.6 Press <ENTER>

1.7 Type PPMN at the upper left corner of the screen

1.8 Press <ENTER>

1.9 Select Option No. 1 (Inquiry)

1.10 Press <ENTER>

1.11 Select Option No. 2 (Installment Payments)

1.12 Key in Plan Number

1.13 Press <ENTER> caHASI

If updated (payment is for current month),

2. Issue Order of Payment

2.1 Log-in username and password

2.2 Confirm if date is current

2.3 If confirmed, press <ENTER> to go to Order of Payment format

2.4 Press function key F3 to go to Membership Listing

2.5 Type surname, first name

2.6 Press <ENTER>

If listed,

3. Click <NAME OF MEMBER> to go to frame for Order of Payment SEIcHa

4. Click the following fields

• Classification of agency (National, Corporation, LGU, DepEd, etc.)

• Functional group (e.g., GIG, SIG)

• Department (Assurance Department)

5. Type/encode the following information (required entries)

• Due date (month to be paid)

• Description (account to be paid)

If not listed,

6. Type/encode the following information

• Name

• Name of office and address

• Policy number

• Due date (month to be paid)

• Description (account to be paid)

7. Press F4 to go to all accounts screen (e.g., edu, memorial, optional, etc.)

8. Type amount to be paid

9. Press <ENTER>

10. Type policy number

11. Press <ENTER>

12. Type due date to be paid ITADaE

13. Press <ENTER>

14. Close 'ALL ACCOUNTS SCREEN' to go back to OP screen

15. Press function key F10,

16. Click 'OK' to save

17. Print OP

18. Sign Order of Payment

19. Instruct member to proceed to Cash Receipts Administration Department (CRAD)

If payment is not updated,

20. Prepare billing statement

21. Initial/forward statement of account to DC III

22. Review/sign/forward statement of account to Accounts Management Specialist

23. Release statement of account to member

24. Issue OP

 (Follow steps 2.1 to 19)

If member fails to pay on the date of issuance of order payment,

25. Cancel previously issued Order Payment

25.1 Log-in username and password

25.2 Confirm if date is current

25.3 If confirmed, click enter button to go to OP format

25.4 Click "Cancel OP" Button

25.5 Key in OPER CODE/OP No. to retrieve previously issued Order of Payment IcDCaS

25.6 Click "Cancel OP" Button to tag cancellation of Order of Payment

26. Issue new Order of Payment

 (Follow steps 2.1 to 19)

ANNEX A

Republika ng Pilipinas

 

PART III

NOT TO BE FILLED UP BY APPLICANT

REPORT OF FIELD REPRESENTATIVE:	RECOMMENDATION OF LAY UNDERWRITER:
Yes	No	Did the applicant fill up this application?
		Did the applicant fill up Part II of the application?
		Does he/she appear to be in good health?
		Did you make representations with applicant's
		paying officer to collect and remit to the System
		the monthly premium?
Remarks: _______________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
_______________________________________________
	_____________________
	(Signature)
	_____________________
	(Print Name)

ACTION OF MEDICAL EVALUATION & UNDERWRITING DEPARTMENT:
	____________________________
	(Signature of Medical Officer)
	____________________________
	(Date)

		POLICY DATA:	REMARKS
POLICY NO.	____________________
Date of Issue	____________________
Date of Birth	____________________
Age at Issue	____________________
Amount of Insurance	____________________
Term of Loan	____________________
Premium Payment Period (Yrs)	____________________
Date of last monthly	____________________	Computed by:
	Premium Due	____________________	Checked by:
Risk Classification	____________________	Policy Signed by:
Monthly Premium (Rate/thousand)	____________________	Policy Contract Received/Delivered:
Occupational Hazard	____________________
Total Mo. Premium	____________________	Date:

ANNEX B

Accounting Entries

HLRI transactions shall be recorded in the books of accounts using the following journal entries: HTDAac

I.	Housing (SIF) Book
	1.	To record collection of HLRI premiums included in housing loan monthly amortization (current & updated)
		Acct. Code	Account Title	Debit	Credit
		111354	Cash in Bank	xxx
		xxx	SRI Premium Payable (1)		xxx
		xxx	MRI Premium Payable (1)		xxx
	2.	To record collection of HLRI premiums included in housing loan monthly amortization (in arrears)
		111354	Cash in Bank	xxx
		xxx	SRI Premium Payable to GIF		xxx
		xxx	MRI Premium Payable to GIF		xxx
		xxx	Interest Payable to GIF on SRI		xxx
			Premiums
		xxx	Interest Payable to GIF on MRI		xxx
			Premiums
		xxx	Surcharges Payable to GIF on		xxx
			SRI Premiums
		xxx	Surcharges Payable to GIF on		xxx
			MRI Premiums
	3.	To record payment of HLRI Premiums by Housing (SIF) to OLI (GIF)
		xxx	SRI Premium Payable to GIF	xxx
		xxx	MRI Premium Payable to GIF	xxx
		xxx	Interest Payable to GIF on	xxx
			SRI/MRI Premiums (if any)
		xxx	Surcharges Payable to GIF on	xxx
			SRI/MRI Premiums (if any)
		111354	Cash in Bank		xxx
II.	OLI (GIF) Book
	1.	To record collection of HLRI Premiums from Housing (SIF) on DCS & Rel Accounts (for current accounts)
		Acct. Code	Account Title	Debit	Credit
		111300	Cash in Bank	xxx
		412040	SRI Premium Income (1)		xxx
		412030	MRI Premium Income (2)		xxx
	2.	To record collection of HLRI Premiums from Housing (SIF) on DCS & Rel Accounts (for prior years account)
		111300	Cash in Bank	xxx
		244000	Surplus Adjustment (premiums		xxx
			& interest)
		xxx	Surcharges on MRI/SRI		xxx
III.	Housing SIF book
	1.	To set up Claims Receivable from OLI (GIF) if death is reported during the accounting year
		Acct. Code	Account Title	Debit	Credit
		xxx	SRI Claims Receivable (from GIF)	xxx
		xxx	MRI Claims Receivable (from GIF)	xxx
		122062	DCS (Mass Housing)		xxx
		121051	REL		xxx
IV.	OLI (GIF) book
	1.	To set up Claims Payable to Housing (SIF) if death is reported during the accounting year
		Acct. Code	Account Title	Debit	Credit
		514040	SRI Benefits	xxx
		514030	MRI Benefits	xxx
		213024	SRI Claims Payable		xxx
		213023	MRI Claims Payable		xxx
	2.	To record payment of SRI/MRI Claims to Housing (SIF) by OLI (GIF) if death is reported during the accounting year
		213024	SRI Claims Payable	xxx
		213023	MRI Claims Payable	xxx
		111372	Cash in Bank		xxx
	3.	To record payment of SRI/MRI Claims to Housing (SIF) by OLI (GIF) if death is reported on the following accounting year and no set up of Claims Payable
		244000	Surplus Adjustment-SRI Benefits	xxx
		111372	Cash in Bank		xxx
V.	Housing (SIF) Book
	1.	To record receipt of payment of SRI/MRI Claims from OLI (GIF) to Housing (SIF) and reversal of interest accrued from the date of death onwards
		Acct. Code	Account Title	Debit	Credit
		111372	Cash in Bank	xxx
		244000	Surplus Adjustment-Interest on		xxx
			DCS/Rel (prior year)
		422040	Interest Income on DCS (current		xxx
			year)
		421051	Interest Income on REL (current		xxx
			year)
		117000	Accrued Interest Income		xxx
		122062	DCS		xxx
		121051	REL		xxx
		No specific account for housing
VI.	OLI (GIF) BOOK (Central Office only)
	1.	To record payment of Reinsurance Premium-OLI to Grepalife (for accounts already reconciled)
		Acct. Code	Account Title	Debit	Credit
		244000	Surplus Adjustment-	xxx
			Reinsurance Premium OLI
		1113000	Cash in Bank		xxx
	2.	To record reserve requirements for SRI/MRI
		243000	Retained Earnings	xxx
		232021	Reserve for MRI		xxx
		232022	Reserve for SRI		xxx
	(1) Payable by Housing (SIF) to OLI (GIF)
	xxx No account code yet

ANNEX C

HOUSING LOAN REDEMPTION INSURANCE (HLRI)
GROSS MONTHLY PREMIUM RATES PER P1000 AMOUNT OF LOAN FULL TERM PREMIUM PAYING PERIOD
LOAN TERMS: 5, 10, 15, 20, 25 & 30 YEARS
LOAN INTERESTS: 8%, 10%, 12% & 14%
RISK CLASSIFICATIONS: STANDARD & SUB-STANDARD A-F
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 5 years
Loan Interest: 8% p.a.c.a
Payable in 5 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.14	0.18	0.21	0.25	0.29	0.32	0.36
	19	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	20	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	21	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	22	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	23	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	24	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	25	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	26	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	27	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	28	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	29	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	30	0.14	0.18	0.22	0.25	0.29	0.33	0.36
	31	0.15	0.18	0.22	0.25	0.29	0.33	0.36
	32	0.15	0.19	0.23	0.27	0.30	0.34	0.38
	33	0.16	0.20	0.24	0.28	0.32	0.36	0.40
	34	0.17	0.21	0.26	0.30	0.34	0.38	0.43
	35	0.18	0.23	0.27	0.32	0.36	0.41	0.46
	36	0.20	0.24	0.29	0.34	0.39	0.44	0.49
	37	0.21	0.26	0.32	0.37	0.42	0.47	0.53
	38	0.23	0.29	0.34	0.40	0.46	0.51	0.57
	39	0.25	0.31	0.37	0.43	0.50	0.56	0.62
	40	0.27	0.34	0.40	0.47	0.54	0.61	0.67
	41	0.29	0.36	0.44	0.51	0.58	0.66	0.73
	42	0.32	0.40	0.47	0.55	0.63	0.71	0.79
	43	0.34	0.43	0.51	0.60	0.69	0.77	0.86
	44	0.37	0.46	0.56	0.65	0.74	0.84	0.93
	45	0.40	0.50	0.60	0.70	0.81	0.91	1.01
	46	0.43	0.54	0.65	0.76	0.87	0.98	1.09
	47	0.47	0.59	0.71	0.82	0.94	1.06	1.18
	48	0.51	0.64	0.76	0.89	1.02	1.15	1.28
	49	0.55	0.69	0.83	0.97	1.11	1.25	1.39
	50	0.60	0.75	0.91	1.06	1.21	1.36	1.52
	51	0.66	0.82	0.99	1.16	1.32	1.49	1.66
	52	0.72	0.90	1.09	1.27	1.45	1.63	1.82
	53	0.79	0.99	1.19	1.39	1.59	1.79	1.99
	54	0.86	1.08	1.30	1.52	1.74	1.96	2.18
	55	0.94	1.18	1.42	1.66	1.90	2.14	2.39
	56	1.03	1.29	1.55	1.81	2.08	2.34	2.61
	57	1.12	1.41	1.69	1.98	2.26	2.55	2.84
	58	1.22	1.53	1.84	2.15	2.47	2.78	3.10
	59	1.33	1.67	2.01	2.35	2.70	3.04	3.39
	60	1.46	1.83	2.20	2.58	2.95	3.33	3.71
	61	1.60	2.01	2.42	2.83	3.24	3.66	4.08
	62	1.76	2.21	2.66	3.11	3.57	4.03	4.49
	63	1.93	2.43	2.92	3.42	3.92	4.43	4.94
	64	2.12	2.66	3.21	3.76	4.31	4.87	5.43
	65	2.32	2.92	3.52	4.12	4.73	5.34	5.96
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 10 years
Loan Interest: 8% p.a.c.a
Payable in 10 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	19	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	20	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	21	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	22	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	23	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	24	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	25	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	26	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	27	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	28	0.15	0.19	0.23	0.27	0.31	0.35	0.38
	29	0.16	0.20	0.24	0.28	0.32	0.35	0.39
	30	0.16	0.21	0.25	0.29	0.33	0.37	0.41
	31	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	32	0.18	0.23	0.27	0.32	0.37	0.41	0.46
	33	0.19	0.24	0.29	0.34	0.39	0.44	0.49
	34	0.21	0.26	0.31	0.37	0.42	0.47	0.52
	35	0.22	0.28	0.34	0.39	0.45	0.51	0.56
	36	0.24	0.30	0.36	0.42	0.49	0.55	0.61
	37	0.26	0.33	0.39	0.46	0.53	0.59	0.66
	38	0.28	0.35	0.43	0.50	0.57	0.64	0.71
	39	0.31	0.38	0.46	0.54	0.62	0.69	0.77
	40	0.33	0.42	0.50	0.59	0.67	0.75	0.84
	41	0.36	0.45	0.54	0.63	0.73	0.82	0.91
	42	0.39	0.49	0.59	0.69	0.79	0.89	0.99
	43	0.42	0.53	0.64	0.75	0.85	0.96	1.07
	44	0.46	0.58	0.69	0.81	0.93	1.04	1.16
	45	0.50	0.62	0.75	0.88	1.00	1.13	1.26
	46	0.54	0.68	0.81	0.95	1.09	1.23	1.37
	47	0.59	0.74	0.89	1.04	1.18	1.33	1.49
	48	0.64	0.80	0.96	1.13	1.29	1.45	1.62
	49	0.70	0.88	1.05	1.23	1.41	1.59	1.77
	50	0.76	0.96	1.15	1.34	1.54	1.73	1.93
	51	0.83	1.05	1.26	1.47	1.68	1.90	2.11
	52	0.91	1.14	1.37	1.61	1.84	2.08	2.31
	53	1.00	1.25	1.50	1.76	2.02	2.27	2.53
	54	1.09	1.37	1.64	1.92	2.21	2.49	2.77
	55	1.19	1.49	1.80	2.10	2.41	2.72	3.03
	56	1.30	1.63	1.97	2.30	2.64	2.98	3.32
	57	1.42	1.78	2.15	2.52	2.89	3.26	3.63
	58	1.56	1.95	2.35	2.75	3.16	3.57	3.98
	59	1.70	2.14	2.58	3.02	3.46	3.91	4.36
	60	1.87	2.34	2.83	3.31	3.80	4.30	4.79
	61	2.05	2.57	3.10	3.64	4.18	4.72	5.27
	62	2.25	2.82	3.41	4.00	4.59	5.19	5.80
	63	2.47	3.10	3.74	4.39	5.05	5.71	6.38
	64	2.71	3.41	4.11	4.83	5.55	6.28	7.02
	65	2.97	3.74	4.52	5.31	6.10	6.91	7.72
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 15 years
Loan Interest: 8% p.a.c.a
Payable in 15 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	19	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	20	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	21	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	22	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	23	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	24	0.16	0.20	0.24	0.29	0.33	0.37	0.41
	25	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	26	0.17	0.21	0.25	0.29	0.33	0.38	0.42
	27	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	28	0.18	0.22	0.27	0.31	0.36	0.40	0.45
	29	0.19	0.23	0.28	0.33	0.38	0.42	0.47
	30	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	31	0.21	0.26	0.32	0.37	0.42	0.47	0.53
	32	0.22	0.28	0.34	0.39	0.45	0.51	0.56
	33	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	34	0.26	0.32	0.39	0.45	0.52	0.58	0.65
	35	0.28	0.35	0.42	0.49	0.56	0.63	0.70
	36	0.30	0.38	0.45	0.53	0.60	0.68	0.76
	37	0.33	0.41	0.49	0.57	0.65	0.74	0.82
	38	0.35	0.44	0.53	0.62	0.71	0.80	0.89
	39	0.38	0.48	0.58	0.67	0.77	0.87	0.96
	40	0.42	0.52	0.63	0.73	0.84	0.94	1.05
	41	0.45	0.56	0.68	0.79	0.91	1.02	1.14
	42	0.49	0.61	0.74	0.86	0.98	1.11	1.23
	43	0.53	0.67	0.80	0.94	1.07	1.21	1.34
	44	0.58	0.72	0.87	1.02	1.16	1.31	1.46
	45	0.63	0.79	0.95	1.11	1.26	1.42	1.59
	46	0.68	0.86	1.03	1.20	1.38	1.55	1.73
	47	0.74	0.93	1.12	1.31	1.50	1.69	1.88
	48	0.81	1.02	1.22	1.43	1.63	1.84	2.05
	49	0.89	1.11	1.33	1.56	1.78	2.01	2.24
	50	0.97	1.21	1.46	1.70	1.95	2.20	2.45
	51	1.06	1.32	1.59	1.86	2.13	2.40	2.68
	52	1.16	1.45	1.74	2.04	2.33	2.63	2.93
	53	1.27	1.59	1.91	2.23	2.56	2.88	3.21
	54	1.38	1.73	2.09	2.44	2.80	3.15	3.51
	55	1.51	1.90	2.28	2.67	3.06	3.45	3.84
	56	1.66	2.08	2.50	2.92	3.35	3.78	4.21
	57	1.81	2.27	2.73	3.20	3.66	4.13	4.60
	58	1.98	2.48	2.99	3.50	4.01	4.53	5.04
	59	2.17	2.72	3.28	3.84	4.40	4.96	5.53
	60	2.38	2.98	3.59	4.21	4.82	5.44	6.06
	61	2.61	3.28	3.95	4.62	5.30	5.98	6.66
	62	2.87	3.60	4.33	5.07	5.82	6.57	7.31
	63	3.15	3.95	4.76	5.58	6.39	7.21	8.03
	64	3.46	4.34	5.23	6.12	7.02	7.92	8.82
	65	3.79	4.77	5.74	6.73	7.71	8.70	9.68
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 20 years
Loan Interest: 8% p.a.c.a
Payable in 20 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.17	0.22	0.26	0.31	0.35	0.39	0.44
	19	0.18	0.22	0.26	0.31	0.35	0.40	0.44
	20	0.18	0.22	0.26	0.31	0.35	0.40	0.44
	21	0.18	0.22	0.27	0.31	0.36	0.40	0.44
	22	0.18	0.22	0.27	0.31	0.36	0.40	0.45
	23	0.18	0.23	0.27	0.32	0.36	0.41	0.45
	24	0.18	0.23	0.28	0.32	0.37	0.42	0.46
	25	0.19	0.24	0.28	0.33	0.38	0.43	0.47
	26	0.20	0.25	0.29	0.34	0.39	0.44	0.49
	27	0.20	0.26	0.31	0.36	0.41	0.46	0.51
	28	0.21	0.27	0.32	0.38	0.43	0.48	0.54
	29	0.23	0.28	0.34	0.40	0.46	0.51	0.57
	30	0.24	0.30	0.36	0.42	0.48	0.54	0.61
	31	0.26	0.32	0.39	0.45	0.52	0.58	0.65
	32	0.28	0.35	0.41	0.48	0.55	0.62	0.69
	33	0.30	0.37	0.45	0.52	0.59	0.67	0.74
	34	0.32	0.40	0.48	0.56	0.64	0.72	0.80
	35	0.35	0.43	0.52	0.61	0.69	0.78	0.87
	36	0.37	0.47	0.56	0.66	0.75	0.84	0.94
	37	0.41	0.51	0.61	0.71	0.81	0.92	1.02
	38	0.44	0.55	0.66	0.77	0.88	0.99	1.10
	39	0.48	0.60	0.72	0.84	0.96	1.08	1.20
	40	0.52	0.65	0.78	0.91	1.04	1.17	1.30
	41	0.56	0.71	0.85	0.99	1.13	1.27	1.42
	42	0.61	0.77	0.92	1.08	1.23	1.38	1.54
	43	0.67	0.83	1.00	1.17	1.34	1.50	1.67
	44	0.73	0.91	1.09	1.27	1.45	1.64	1.82
	45	0.79	0.99	1.19	1.38	1.58	1.78	1.98
	46	0.86	1.08	1.29	1.51	1.72	1.94	2.15
	47	0.94	1.17	1.41	1.64	1.88	2.11	2.35
	48	1.02	1.28	1.54	1.79	2.05	2.30	2.56
	49	1.12	1.40	1.68	1.96	2.23	2.51	2.79
	50	1.22	1.52	1.83	2.14	2.44	2.74	3.05
	51	1.33	1.67	2.00	2.33	2.67	3.00	3.33
	52	1.46	1.82	2.19	2.55	2.91	3.28	3.64
	53	1.59	1.99	2.39	2.79	3.18	3.58	3.98
	54	1.74	2.18	2.61	3.05	3.48	3.91	4.34
	55	1.90	2.38	2.85	3.33	3.80	4.27	4.74
	56	2.08	2.60	3.12	3.64	4.15	4.67	5.18
	57	2.28	2.84	3.41	3.97	4.54	5.09	5.65
	58	2.49	3.11	3.73	4.34	4.96	5.56	6.17
	59	2.73	3.41	4.08	4.75	5.42	6.08	6.73
	60	2.99	3.73	4.46	5.20	5.92	6.64	7.35
	61	3.27	4.08	4.88	5.68	6.47	7.25	8.03
	62	3.58	4.47	5.34	6.21	7.07	7.92	8.76
	63	3.92	4.89	5.85	6.79	7.73	8.65	9.56
	64	4.29	5.35	6.39	7.42	8.43	9.43	10.42
	65	4.69	5.84	6.98	8.09	9.19	10.28	11.34
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 25 years
Loan Interest: 8% p.a.c.a
Payable in 25 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.19	0.24	0.29	0.33	0.38	0.43	0.48
	19	0.19	0.24	0.29	0.34	0.39	0.44	0.49
	20	0.20	0.24	0.29	0.34	0.39	0.44	0.49
	21	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	22	0.20	0.25	0.30	0.36	0.41	0.46	0.51
	23	0.21	0.26	0.31	0.36	0.42	0.47	0.52
	24	0.21	0.27	0.32	0.38	0.43	0.48	0.54
	25	0.22	0.28	0.33	0.39	0.45	0.50	0.56
	26	0.23	0.29	0.35	0.41	0.47	0.52	0.58
	27	0.25	0.31	0.37	0.43	0.49	0.55	0.61
	28	0.26	0.32	0.39	0.45	0.52	0.58	0.65
	29	0.28	0.34	0.41	0.48	0.55	0.62	0.69
	30	0.29	0.37	0.44	0.52	0.59	0.66	0.74
	31	0.32	0.39	0.47	0.55	0.63	0.71	0.79
	32	0.34	0.42	0.51	0.59	0.68	0.76	0.85
	33	0.37	0.46	0.55	0.64	0.73	0.82	0.91
	34	0.40	0.49	0.59	0.69	0.79	0.89	0.99
	35	0.43	0.53	0.64	0.75	0.85	0.96	1.07
	36	0.46	0.58	0.70	0.81	0.93	1.04	1.16
	37	0.50	0.63	0.75	0.88	1.00	1.13	1.25
	38	0.55	0.68	0.82	0.95	1.09	1.22	1.36
	39	0.59	0.74	0.89	1.04	1.18	1.33	1.48
	40	0.65	0.81	0.97	1.13	1.29	1.44	1.60
	41	0.70	0.88	1.05	1.22	1.40	1.57	1.74
	42	0.76	0.95	1.14	1.33	1.52	1.71	1.89
	43	0.83	1.04	1.24	1.45	1.65	1.85	2.06
	44	0.91	1.13	1.35	1.57	1.79	2.01	2.23
	45	0.99	1.23	1.47	1.71	1.95	2.19	2.43
	46	1.07	1.34	1.60	1.86	2.12	2.38	2.64
	47	1.17	1.46	1.74	2.03	2.31	2.59	2.87
	48	1.27	1.59	1.90	2.21	2.51	2.82	3.12
	49	1.39	1.73	2.07	2.41	2.74	3.07	3.39
	50	1.52	1.89	2.26	2.62	2.98	3.34	3.69
	51	1.66	2.06	2.46	2.86	3.25	3.64	4.02
	52	1.81	2.25	2.68	3.11	3.54	3.96	4.37
	53	1.98	2.46	2.93	3.39	3.85	4.31	4.76
	54	2.16	2.68	3.19	3.70	4.20	4.69	5.17
	55	2.35	2.92	3.48	4.03	4.56	5.09	5.61
	56	2.57	3.18	3.79	4.38	4.96	5.53	6.09
	57	2.80	3.47	4.12	4.76	5.39	6.00	6.61
	58	3.05	3.78	4.49	5.18	5.85	6.51	7.16
	59	3.33	4.11	4.88	5.63	6.35	7.07	7.76
	60	3.63	4.48	5.31	6.11	6.90	7.66	8.41
	61	3.96	4.88	5.77	6.64	7.48	8.31	9.11
	62	4.31	5.31	6.27	7.21	8.11	9.00	9.86
	63	4.69	5.77	6.81	7.82	8.79	9.74	10.67
	64	5.11	6.27	7.39	8.47	9.52	10.54	11.54
	65	5.55	6.80	8.01	9.17	10.30	11.40	12.47
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 30 years
Loan Interest: 8% p.a.c.a
Payable in 30 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	19	0.22	0.27	0.32	0.38	0.43	0.49	0.54
	20	0.22	0.28	0.33	0.39	0.44	0.50	0.55
	21	0.23	0.28	0.34	0.40	0.45	0.51	0.57
	22	0.23	0.29	0.35	0.41	0.47	0.53	0.58
	23	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	24	0.25	0.31	0.38	0.44	0.50	0.57	0.63
	25	0.26	0.33	0.40	0.46	0.53	0.59	0.66
	26	0.28	0.35	0.42	0.49	0.55	0.62	0.69
	27	0.29	0.37	0.44	0.51	0.59	0.66	0.73
	28	0.31	0.39	0.47	0.55	0.62	0.70	0.78
	29	0.33	0.42	0.50	0.58	0.67	0.75	0.83
	30	0.36	0.45	0.54	0.63	0.71	0.80	0.89
	31	0.39	0.48	0.58	0.67	0.77	0.86	0.96
	32	0.42	0.52	0.62	0.72	0.83	0.93	1.03
	33	0.45	0.56	0.67	0.78	0.89	1.00	1.11
	34	0.49	0.61	0.73	0.85	0.96	1.08	1.20
	35	0.53	0.66	0.79	0.92	1.04	1.17	1.30
	36	0.57	0.71	0.85	0.99	1.13	1.27	1.40
	37	0.62	0.77	0.93	1.08	1.23	1.37	1.52
	38	0.67	0.84	1.00	1.17	1.33	1.49	1.65
	39	0.73	0.91	1.09	1.27	1.44	1.62	1.79
	40	0.80	0.99	1.18	1.38	1.57	1.75	1.94
	41	0.87	1.08	1.29	1.49	1.70	1.90	2.10
	42	0.94	1.17	1.40	1.62	1.84	2.06	2.28
	43	1.03	1.27	1.52	1.76	2.00	2.23	2.47
	44	1.11	1.38	1.65	1.91	2.17	2.42	2.67
	45	1.21	1.50	1.79	2.07	2.35	2.62	2.89
	46	1.32	1.64	1.95	2.25	2.55	2.84	3.13
	47	1.44	1.78	2.11	2.44	2.76	3.08	3.39
	48	1.56	1.93	2.30	2.65	3.00	3.34	3.67
	49	1.70	2.10	2.49	2.88	3.25	3.62	3.97
	50	1.85	2.29	2.71	3.12	3.52	3.92	4.30
	51	2.02	2.49	2.94	3.39	3.82	4.24	4.65
	52	2.20	2.70	3.19	3.67	4.14	4.59	5.03
	53	2.39	2.94	3.47	3.98	4.48	4.96	5.43
	54	2.60	3.19	3.76	4.31	4.84	5.36	5.86
	55	2.82	3.46	4.07	4.66	5.23	5.78	6.32
	56	3.06	3.75	4.40	5.03	5.64	6.23	6.81
	57	3.32	4.06	4.76	5.43	6.09	6.72	7.33
	58	3.60	4.39	5.14	5.87	6.56	7.23	7.89
	59	3.90	4.75	5.56	6.33	7.07	7.79	8.49
	60	4.23	5.14	6.00	6.82	7.62	8.39	9.13
	61	4.58	5.55	6.47	7.36	8.21	9.03	9.83
	62	4.95	5.99	6.98	7.93	8.84	9.72	10.58
	63	5.35	6.47	7.53	8.54	9.51	10.46	11.38
	64	5.78	6.98	8.11	9.19	10.24	11.25	12.24
	65	6.24	7.52	8.73	9.89	11.01	12.10	13.16
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 5 years
Loan Interest: 10% p.a.c.a
Payable in 5 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.15	0.18	0.22	0.25	0.29	0.33	0.36
	19	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	20	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	21	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	22	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	23	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	24	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	25	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	26	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	27	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	28	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	29	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	30	0.15	0.18	0.22	0.26	0.29	0.33	0.36
	31	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	32	0.15	0.19	0.23	0.27	0.31	0.35	0.39
	33	0.16	0.20	0.24	0.28	0.33	0.37	0.41
	34	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	35	0.18	0.23	0.28	0.32	0.37	0.42	0.46
	36	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	37	0.21	0.27	0.32	0.37	0.43	0.48	0.54
	38	0.23	0.29	0.35	0.41	0.46	0.52	0.58
	39	0.25	0.31	0.38	0.44	0.50	0.57	0.63
	40	0.27	0.34	0.41	0.48	0.55	0.61	0.68
	41	0.30	0.37	0.44	0.52	0.59	0.67	0.74
	42	0.32	0.40	0.48	0.56	0.64	0.72	0.80
	43	0.35	0.43	0.52	0.61	0.70	0.78	0.87
	44	0.38	0.47	0.57	0.66	0.76	0.85	0.95
	45	0.41	0.51	0.61	0.71	0.82	0.92	1.02
	46	0.44	0.55	0.66	0.77	0.88	1.00	1.11
	47	0.48	0.60	0.72	0.84	0.96	1.08	1.20
	48	0.52	0.65	0.78	0.91	1.04	1.17	1.30
	49	0.56	0.70	0.84	0.98	1.13	1.27	1.41
	50	0.61	0.76	0.92	1.07	1.23	1.38	1.54
	51	0.67	0.84	1.01	1.17	1.34	1.51	1.68
	52	0.73	0.92	1.10	1.29	1.47	1.66	1.84
	53	0.80	1.00	1.21	1.41	1.61	1.82	2.02
	54	0.88	1.10	1.32	1.54	1.77	1.99	2.21
	55	0.96	1.20	1.44	1.69	1.93	2.17	2.42
	56	1.04	1.31	1.57	1.84	2.11	2.37	2.64
	57	1.14	1.43	1.71	2.00	2.30	2.59	2.88
	58	1.24	1.55	1.87	2.19	2.50	2.82	3.14
	59	1.35	1.70	2.04	2.39	2.73	3.08	3.44
	60	1.48	1.86	2.23	2.61	3.00	3.38	3.76
	61	1.63	2.04	2.45	2.87	3.29	3.71	4.14
	62	1.79	2.24	2.70	3.15	3.62	4.08	4.55
	63	1.96	2.46	2.96	3.47	3.98	4.49	5.01
	64	2.15	2.70	3.25	3.81	4.37	4.94	5.51
	65	2.36	2.96	3.57	4.18	4.79	5.42	6.04
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 10 years
Loan Interest: 10% p.a.c.a
Payable in 10 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	19	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	20	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	21	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	22	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	23	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	24	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	25	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	26	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	27	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	28	0.16	0.20	0.24	0.27	0.31	0.35	0.39
	29	0.16	0.20	0.24	0.28	0.32	0.36	0.40
	30	0.17	0.21	0.25	0.30	0.34	0.38	0.42
	31	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	32	0.19	0.23	0.28	0.33	0.38	0.42	0.47
	33	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	34	0.21	0.27	0.32	0.38	0.43	0.48	0.54
	35	0.23	0.29	0.35	0.40	0.46	0.52	0.58
	36	0.25	0.31	0.37	0.44	0.50	0.56	0.62
	37	0.27	0.34	0.40	0.47	0.54	0.61	0.67
	38	0.29	0.36	0.44	0.51	0.58	0.66	0.73
	39	0.32	0.40	0.47	0.55	0.63	0.71	0.79
	40	0.34	0.43	0.51	0.60	0.69	0.77	0.86
	41	0.37	0.46	0.56	0.65	0.75	0.84	0.93
	42	0.40	0.50	0.60	0.71	0.81	0.91	1.01
	43	0.44	0.55	0.66	0.77	0.88	0.99	1.10
	44	0.47	0.59	0.71	0.83	0.95	1.07	1.19
	45	0.51	0.64	0.77	0.90	1.03	1.16	1.29
	46	0.56	0.70	0.84	0.98	1.12	1.26	1.40
	47	0.60	0.76	0.91	1.06	1.22	1.37	1.53
	48	0.66	0.82	0.99	1.16	1.33	1.49	1.66
	49	0.72	0.90	1.08	1.26	1.45	1.63	1.81
	50	0.78	0.98	1.18	1.38	1.58	1.78	1.98
	51	0.86	1.07	1.29	1.51	1.73	1.95	2.17
	52	0.94	1.17	1.41	1.65	1.89	2.13	2.37
	53	1.02	1.28	1.54	1.81	2.07	2.33	2.60
	54	1.12	1.40	1.69	1.98	2.26	2.55	2.84
	55	1.22	1.53	1.85	2.16	2.47	2.79	3.11
	56	1.34	1.68	2.02	2.36	2.71	3.05	3.40
	57	1.46	1.83	2.21	2.58	2.96	3.34	3.72
	58	1.60	2.00	2.41	2.83	3.24	3.66	4.08
	59	1.75	2.20	2.64	3.10	3.55	4.01	4.47
	60	1.92	2.41	2.90	3.40	3.90	4.40	4.91
	61	2.10	2.64	3.18	3.73	4.28	4.84	5.40
	62	2.31	2.90	3.50	4.10	4.71	5.32	5.94
	63	2.53	3.18	3.84	4.50	5.17	5.85	6.53
	64	2.78	3.49	4.22	4.95	5.69	6.43	7.19
	65	3.05	3.83	4.63	5.44	6.25	7.07	7.90
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 15 years
Loan Interest: 10% p.a.c.a
Payable in 15 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	19	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	20	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	21	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	22	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	23	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	24	0.17	0.21	0.25	0.29	0.34	0.38	0.42
	25	0.17	0.21	0.25	0.30	0.34	0.38	0.42
	26	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	27	0.18	0.22	0.27	0.31	0.36	0.40	0.45
	28	0.19	0.23	0.28	0.32	0.37	0.42	0.46
	29	0.19	0.24	0.29	0.34	0.39	0.44	0.49
	30	0.21	0.26	0.31	0.36	0.41	0.46	0.51
	31	0.22	0.27	0.33	0.38	0.44	0.49	0.55
	32	0.23	0.29	0.35	0.41	0.47	0.53	0.58
	33	0.25	0.31	0.37	0.44	0.50	0.56	0.63
	34	0.27	0.34	0.40	0.47	0.54	0.61	0.67
	35	0.29	0.36	0.43	0.51	0.58	0.65	0.73
	36	0.31	0.39	0.47	0.55	0.63	0.71	0.79
	37	0.34	0.42	0.51	0.59	0.68	0.76	0.85
	38	0.37	0.46	0.55	0.64	0.74	0.83	0.92
	39	0.40	0.50	0.60	0.70	0.80	0.90	1.00
	40	0.43	0.54	0.65	0.76	0.87	0.98	1.08
	41	0.47	0.59	0.70	0.82	0.94	1.06	1.18
	42	0.51	0.64	0.76	0.89	1.02	1.15	1.28
	43	0.55	0.69	0.83	0.97	1.11	1.25	1.39
	44	0.60	0.75	0.90	1.05	1.21	1.36	1.51
	45	0.65	0.82	0.98	1.15	1.31	1.48	1.64
	46	0.71	0.89	1.07	1.25	1.43	1.61	1.79
	47	0.77	0.97	1.16	1.36	1.55	1.75	1.95
	48	0.84	1.05	1.27	1.48	1.70	1.91	2.12
	49	0.92	1.15	1.38	1.62	1.85	2.08	2.32
	50	1.00	1.26	1.51	1.77	2.02	2.28	2.53
	51	1.10	1.37	1.65	1.93	2.21	2.49	2.77
	52	1.20	1.50	1.81	2.11	2.42	2.73	3.03
	53	1.31	1.64	1.98	2.31	2.65	2.98	3.32
	54	1.44	1.80	2.16	2.53	2.90	3.26	3.63
	55	1.57	1.97	2.37	2.77	3.17	3.57	3.98
	56	1.72	2.15	2.59	3.03	3.47	3.91	4.35
	57	1.88	2.35	2.83	3.31	3.79	4.28	4.76
	58	2.05	2.57	3.10	3.62	4.15	4.68	5.21
	59	2.25	2.82	3.39	3.97	4.55	5.13	5.71
	60	2.47	3.09	3.72	4.35	4.99	5.62	6.26
	61	2.70	3.39	4.08	4.78	5.47	6.17	6.87
	62	2.97	3.72	4.48	5.24	6.01	6.77	7.54
	63	3.26	4.09	4.92	5.76	6.60	7.44	8.28
	64	3.58	4.49	5.40	6.32	7.24	8.16	9.08
	65	3.93	4.93	5.93	6.94	7.95	8.96	9.96
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 20 years
Loan Interest: 10% p.a.c.a
Payable in 20 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.18	0.23	0.27	0.33	0.36	0.41	0.45
	19	0.18	0.23	0.27	0.34	0.36	0.41	0.46
	20	0.18	0.23	0.27	0.35	0.37	0.41	0.46
	21	0.18	0.23	0.28	0.36	0.37	0.41	0.46
	22	0.19	0.23	0.28	0.37	0.37	0.42	0.46
	23	0.19	0.23	0.28	0.38	0.38	0.42	0.47
	24	0.19	0.24	0.29	0.40	0.38	0.43	0.48
	25	0.20	0.25	0.30	0.42	0.39	0.44	0.49
	26	0.20	0.26	0.31	0.44	0.41	0.46	0.51
	27	0.21	0.27	0.32	0.47	0.43	0.48	0.53
	28	0.22	0.28	0.34	0.50	0.45	0.51	0.56
	29	0.24	0.30	0.36	0.53	0.48	0.53	0.59
	30	0.25	0.32	0.38	0.57	0.51	0.57	0.63
	31	0.27	0.34	0.40	0.61	0.54	0.61	0.67
	32	0.29	0.36	0.43	0.66	0.58	0.65	0.72
	33	0.31	0.39	0.47	0.71	0.62	0.70	0.78
	34	0.33	0.42	0.50	0.77	0.67	0.75	0.84
	35	0.36	0.45	0.54	0.83	0.72	0.82	0.91
	36	0.39	0.49	0.59	0.90	0.78	0.88	0.98
	37	0.42	0.53	0.64	0.98	0.85	0.96	1.06
	38	0.46	0.58	0.69	1.06	0.92	1.04	1.15
	39	0.50	0.63	0.75	1.15	1.00	1.13	1.25
	40	0.54	0.68	0.82	1.25	1.09	1.22	1.36
	41	0.59	0.74	0.89	1.36	1.18	1.33	1.48
	42	0.64	0.80	0.96	1.47	1.29	1.45	1.61
	43	0.70	0.87	1.05	1.60	1.40	1.57	1.75
	44	0.76	0.95	1.14	1.73	1.52	1.71	1.90
	45	0.83	1.03	1.24	1.88	1.65	1.86	2.07
	46	0.90	1.13	1.35	2.04	1.80	2.02	2.25
	47	0.98	1.23	1.47	2.21	1.96	2.21	2.45
	48	1.07	1.34	1.60	2.40	2.14	2.40	2.67
	49	1.17	1.46	1.75	2.60	2.33	2.62	2.91
	50	1.28	1.59	1.91	2.82	2.55	2.86	3.18
	51	1.39	1.74	2.09	3.06	2.78	3.13	3.47
	52	1.52	1.90	2.28	3.31	3.04	3.41	3.79
	53	1.67	2.08	2.49	3.59	3.32	3.73	4.14
	54	1.82	2.27	2.73	3.88	3.62	4.07	4.52
	55	1.99	2.48	2.98	4.19	3.96	4.44	4.93
	56	2.17	2.71	3.25	4.52	4.32	4.85	5.38
	57	2.38	2.97	3.55	4.87	4.72	5.29	5.86
	58	2.60	3.24	3.88	5.25	5.15	5.78	6.40
	59	2.85	3.55	4.25	5.65	5.62	6.30	6.98
	60	3.11	3.88	4.64	6.09	6.14	6.88	7.61
	61	3.41	4.25	5.08	6.55	6.71	7.51	8.30
	62	3.73	4.65	5.55	7.05	7.32	8.19	9.05
	63	4.08	5.08	6.06	7.58	7.99	8.93	9.86
	64	4.46	5.55	6.62	8.15	8.71	9.73	10.74
	65	4.88	6.06	7.23	8.75	9.49	10.59	11.68
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 25 years
Loan Interest: 10% p.a.c.a
Payable in 25 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	19	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	20	0.20	0.25	0.31	0.36	0.41	0.46	0.51
	21	0.21	0.26	0.31	0.36	0.42	0.47	0.52
	22	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	23	0.22	0.27	0.33	0.38	0.43	0.49	0.54
	24	0.22	0.28	0.34	0.39	0.45	0.51	0.56
	25	0.23	0.29	0.35	0.41	0.47	0.53	0.58
	26	0.24	0.31	0.37	0.43	0.49	0.55	0.61
	27	0.26	0.32	0.39	0.45	0.51	0.58	0.64
	28	0.27	0.34	0.41	0.48	0.54	0.61	0.68
	29	0.29	0.36	0.43	0.51	0.58	0.65	0.72
	30	0.31	0.39	0.46	0.54	0.62	0.70	0.77
	31	0.33	0.42	0.50	0.58	0.66	0.75	0.83
	32	0.36	0.45	0.54	0.62	0.71	0.80	0.89
	33	0.39	0.48	0.58	0.67	0.77	0.86	0.96
	34	0.42	0.52	0.62	0.73	0.83	0.93	1.04
	35	0.45	0.56	0.68	0.79	0.90	1.01	1.12
	36	0.49	0.61	0.73	0.85	0.97	1.09	1.21
	37	0.53	0.66	0.79	0.93	1.06	1.19	1.32
	38	0.58	0.72	0.86	1.00	1.15	1.29	1.43
	39	0.63	0.78	0.94	1.09	1.24	1.40	1.55
	40	0.68	0.85	1.02	1.18	1.35	1.52	1.68
	41	0.74	0.92	1.11	1.29	1.47	1.65	1.83
	42	0.80	1.00	1.20	1.40	1.60	1.79	1.99
	43	0.88	1.09	1.31	1.52	1.73	1.95	2.16
	44	0.95	1.19	1.42	1.65	1.88	2.11	2.34
	45	1.04	1.29	1.55	1.80	2.05	2.30	2.54
	46	1.13	1.41	1.68	1.96	2.23	2.50	2.76
	47	1.23	1.53	1.83	2.13	2.42	2.71	3.00
	48	1.34	1.67	1.99	2.32	2.64	2.95	3.26
	49	1.46	1.82	2.17	2.52	2.87	3.21	3.55
	50	1.60	1.98	2.37	2.75	3.12	3.49	3.86
	51	1.74	2.16	2.58	2.99	3.40	3.80	4.20
	52	1.90	2.36	2.81	3.26	3.70	4.13	4.56
	53	2.08	2.57	3.07	3.55	4.03	4.50	4.96
	54	2.26	2.81	3.34	3.86	4.38	4.88	5.38
	55	2.47	3.06	3.64	4.20	4.76	5.30	5.84
	56	2.69	3.33	3.96	4.57	5.17	5.75	6.33
	57	2.94	3.63	4.30	4.96	5.61	6.24	6.85
	58	3.20	3.95	4.68	5.39	6.08	6.76	7.42
	59	3.48	4.30	5.08	5.85	6.60	7.32	8.03
	60	3.80	4.67	5.52	6.35	7.15	7.93	8.69
	61	4.13	5.08	6.00	6.89	7.75	8.58	9.40
	62	4.50	5.52	6.51	7.47	8.39	9.29	10.16
	63	4.89	6.00	7.06	8.09	9.08	10.04	10.98
	64	5.32	6.51	7.65	8.75	9.82	10.85	11.86
	65	5.77	7.05	8.28	9.46	10.61	11.71	12.80
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 30 years
Loan Interest: 10% p.a.c.a
Payable in 30 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.22	0.28	0.33	0.39	0.44	0.50	0.55
	19	0.23	0.28	0.34	0.40	0.45	0.51	0.57
	20	0.23	0.29	0.35	0.40	0.46	0.52	0.58
	21	0.24	0.30	0.36	0.42	0.48	0.53	0.59
	22	0.25	0.31	0.37	0.43	0.49	0.55	0.61
	23	0.25	0.32	0.38	0.44	0.51	0.57	0.63
	24	0.26	0.33	0.40	0.46	0.53	0.59	0.66
	25	0.28	0.35	0.42	0.49	0.55	0.62	0.69
	26	0.29	0.37	0.44	0.51	0.58	0.66	0.73
	27	0.31	0.39	0.46	0.54	0.62	0.69	0.77
	28	0.33	0.41	0.49	0.58	0.66	0.74	0.82
	29	0.35	0.44	0.53	0.62	0.70	0.79	0.88
	30	0.38	0.47	0.57	0.66	0.75	0.85	0.94
	31	0.41	0.51	0.61	0.71	0.81	0.91	1.01
	32	0.44	0.55	0.66	0.77	0.87	0.98	1.09
	33	0.48	0.59	0.71	0.83	0.94	1.06	1.17
	34	0.51	0.64	0.77	0.89	1.02	1.14	1.26
	35	0.56	0.70	0.83	0.97	1.10	1.23	1.37
	36	0.61	0.75	0.90	1.05	1.19	1.34	1.48
	37	0.66	0.82	0.98	1.14	1.29	1.45	1.60
	38	0.71	0.89	1.06	1.23	1.40	1.57	1.74
	39	0.78	0.96	1.15	1.34	1.52	1.70	1.88
	40	0.84	1.05	1.25	1.45	1.65	1.85	2.04
	41	0.92	1.14	1.36	1.58	1.79	2.00	2.21
	42	1.00	1.24	1.47	1.71	1.94	2.17	2.39
	43	1.08	1.34	1.60	1.85	2.10	2.35	2.59
	44	1.18	1.46	1.74	2.01	2.28	2.54	2.80
	45	1.28	1.59	1.89	2.18	2.47	2.76	3.04
	46	1.39	1.72	2.05	2.37	2.68	2.98	3.28
	47	1.52	1.87	2.22	2.57	2.90	3.23	3.55
	48	1.65	2.04	2.42	2.78	3.14	3.50	3.84
	49	1.80	2.21	2.62	3.02	3.41	3.78	4.15
	50	1.95	2.41	2.85	3.27	3.69	4.09	4.49
	51	2.13	2.61	3.09	3.55	3.99	4.43	4.85
	52	2.31	2.84	3.35	3.84	4.32	4.78	5.23
	53	2.51	3.08	3.63	4.16	4.67	5.16	5.64
	54	2.73	3.34	3.93	4.50	5.04	5.57	6.08
	55	2.96	3.62	4.25	4.86	5.44	6.00	6.55
	56	3.21	3.92	4.59	5.24	5.86	6.46	7.05
	57	3.48	4.24	4.96	5.65	6.31	6.95	7.58
	58	3.77	4.58	5.35	6.09	6.80	7.48	8.14
	59	4.08	4.95	5.77	6.56	7.31	8.04	8.75
	60	4.42	5.35	6.23	7.06	7.87	8.65	9.40
	61	4.77	5.77	6.71	7.60	8.46	9.29	10.10
	62	5.16	6.22	7.22	8.18	9.10	9.99	10.85
	63	5.57	6.70	7.78	8.80	9.78	10.74	11.66
	64	6.00	7.22	8.36	9.46	10.51	11.53	12.53
	65	6.47	7.76	8.99	10.16	11.29	12.38	13.45
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 5 years
Loan Interest: 12% p.a.c.a
Payable in 5 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.15	0.18	0.22	0.26	0.29	0.33	0.37
	19	0.15	0.18	0.22	0.26	0.30	0.34	0.37
	20	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	21	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	22	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	23	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	24	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	25	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	26	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	27	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	28	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	29	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	30	0.15	0.18	0.22	0.26	0.30	0.33	0.37
	31	0.15	0.19	0.22	0.26	0.30	0.34	0.37
	32	0.16	0.20	0.23	0.27	0.31	0.35	0.39
	33	0.16	0.21	0.25	0.29	0.33	0.37	0.41
	34	0.17	0.22	0.26	0.31	0.35	0.39	0.44
	35	0.19	0.23	0.28	0.33	0.37	0.42	0.47
	36	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	37	0.22	0.27	0.33	0.38	0.43	0.49	0.54
	38	0.23	0.29	0.35	0.41	0.47	0.53	0.59
	39	0.25	0.32	0.38	0.45	0.51	0.57	0.64
	40	0.28	0.35	0.41	0.48	0.55	0.62	0.69
	41	0.30	0.37	0.45	0.53	0.60	0.68	0.75
	42	0.33	0.41	0.49	0.57	0.65	0.73	0.82
	43	0.35	0.44	0.53	0.62	0.71	0.80	0.88
	44	0.38	0.48	0.57	0.67	0.77	0.86	0.96
	45	0.41	0.52	0.62	0.72	0.83	0.93	1.04
	46	0.45	0.56	0.67	0.78	0.90	1.01	1.12
	47	0.48	0.60	0.73	0.85	0.97	1.09	1.21
	48	0.52	0.65	0.79	0.92	1.05	1.18	1.32
	49	0.57	0.71	0.85	1.00	1.14	1.29	1.43
	50	0.62	0.78	0.93	1.09	1.25	1.40	1.56
	51	0.68	0.85	1.02	1.19	1.36	1.53	1.71
	52	0.74	0.93	1.12	1.30	1.49	1.68	1.87
	53	0.81	1.02	1.22	1.43	1.63	1.84	2.05
	54	0.89	1.11	1.34	1.56	1.79	2.02	2.24
	55	0.97	1.22	1.46	1.71	1.96	2.20	2.45
	56	1.06	1.33	1.59	1.86	2.13	2.41	2.68
	57	1.15	1.45	1.74	2.03	2.33	2.62	2.92
	58	1.26	1.58	1.89	2.22	2.54	2.86	3.19
	59	1.37	1.72	2.07	2.42	2.77	3.13	3.48
	60	1.50	1.88	2.27	2.65	3.04	3.42	3.82
	61	1.65	2.07	2.49	2.91	3.33	3.76	4.19
	62	1.81	2.27	2.73	3.20	3.67	4.14	4.61
	63	1.99	2.49	3.00	3.51	4.03	4.55	5.07
	64	2.18	2.74	3.30	3.86	4.43	5.00	5.58
	65	2.39	3.00	3.61	4.23	4.86	5.49	6.12
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 15 years
Loan Interest: 12% p.a.c.a
Payable in 15 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	19	0.17	0.22	0.26	0.30	0.35	0.39	0.43
	20	0.17	0.22	0.26	0.30	0.34	0.39	0.43
	21	0.17	0.22	0.26	0.30	0.34	0.39	0.43
	22	0.17	0.22	0.26	0.30	0.34	0.38	0.43
	23	0.17	0.22	0.26	0.30	0.34	0.38	0.43
	24	0.17	0.22	0.26	0.30	0.34	0.39	0.43
	25	0.17	0.22	0.26	0.30	0.35	0.39	0.44
	26	0.18	0.22	0.27	0.31	0.36	0.40	0.45
	27	0.18	0.23	0.28	0.32	0.37	0.41	0.46
	28	0.19	0.24	0.29	0.34	0.38	0.43	0.48
	29	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	30	0.21	0.27	0.32	0.37	0.42	0.48	0.53
	31	0.23	0.28	0.34	0.39	0.45	0.51	0.57
	32	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	33	0.26	0.32	0.39	0.45	0.52	0.58	0.65
	34	0.28	0.35	0.42	0.49	0.56	0.63	0.70
	35	0.30	0.37	0.45	0.53	0.60	0.68	0.75
	36	0.32	0.40	0.49	0.57	0.65	0.73	0.81
	37	0.35	0.44	0.53	0.61	0.70	0.79	0.88
	38	0.38	0.47	0.57	0.67	0.76	0.86	0.95
	39	0.41	0.51	0.62	0.72	0.83	0.93	1.03
	40	0.45	0.56	0.67	0.78	0.90	1.01	1.12
	41	0.48	0.61	0.73	0.85	0.97	1.10	1.22
	42	0.53	0.66	0.79	0.92	1.06	1.19	1.32
	43	0.57	0.72	0.86	1.00	1.15	1.29	1.44
	44	0.62	0.78	0.93	1.09	1.25	1.40	1.56
	45	0.68	0.85	1.02	1.19	1.36	1.53	1.70
	46	0.73	0.92	1.10	1.29	1.48	1.66	1.85
	47	0.80	1.00	1.20	1.41	1.61	1.81	2.01
	48	0.87	1.09	1.31	1.53	1.75	1.97	2.20
	49	0.95	1.19	1.43	1.67	1.91	2.15	2.40
	50	1.04	1.30	1.56	1.83	2.09	2.35	2.62
	51	1.14	1.42	1.71	2.00	2.28	2.57	2.86
	52	1.24	1.55	1.87	2.18	2.50	2.81	3.13
	53	1.36	1.70	2.04	2.39	2.73	3.08	3.43
	54	1.49	1.86	2.24	2.61	2.99	3.37	3.75
	55	1.62	2.03	2.44	2.86	3.27	3.69	4.10
	56	1.77	2.22	2.67	3.12	3.58	4.03	4.49
	57	1.94	2.43	2.92	3.42	3.91	4.41	4.91
	58	2.12	2.66	3.20	3.74	4.28	4.82	5.37
	59	2.32	2.91	3.50	4.09	4.69	5.28	5.88
	60	2.55	3.19	3.84	4.49	5.14	5.79	6.44
	61	2.79	3.50	4.21	4.92	5.64	6.35	7.07
	62	3.07	3.84	4.62	5.40	6.19	6.97	7.75
	63	3.37	4.22	5.07	5.93	6.79	7.65	8.51
	64	3.69	4.63	5.57	6.51	7.45	8.39	9.33
	65	4.05	5.08	6.11	7.14	8.17	9.20	10.22
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 20 years
Loan Interest: 12% p.a.c.a
Payable in 20 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.19	0.23	0.28	0.33	0.37	0.42	0.47
	19	0.19	0.23	0.28	0.33	0.38	0.42	0.47
	20	0.19	0.24	0.28	0.33	0.38	0.42	0.47
	21	0.19	0.24	0.28	0.33	0.38	0.43	0.48
	22	0.19	0.24	0.29	0.34	0.38	0.43	0.48
	23	0.19	0.24	0.29	0.34	0.39	0.44	0.49
	24	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	25	0.20	0.26	0.31	0.36	0.41	0.46	0.51
	26	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	27	0.22	0.28	0.33	0.39	0.44	0.50	0.55
	28	0.23	0.29	0.35	0.41	0.47	0.52	0.58
	29	0.25	0.31	0.37	0.43	0.49	0.56	0.62
	30	0.26	0.33	0.39	0.46	0.53	0.59	0.66
	31	0.28	0.35	0.42	0.49	0.56	0.63	0.70
	32	0.30	0.38	0.45	0.53	0.60	0.68	0.75
	33	0.32	0.40	0.49	0.57	0.65	0.73	0.81
	34	0.35	0.44	0.52	0.61	0.70	0.78	0.87
	35	0.38	0.47	0.57	0.66	0.75	0.85	0.94
	36	0.41	0.51	0.61	0.71	0.82	0.92	1.02
	37	0.44	0.55	0.66	0.77	0.88	1.00	1.11
	38	0.48	0.60	0.72	0.84	0.96	1.08	1.20
	39	0.52	0.65	0.78	0.91	1.04	1.17	1.30
	40	0.57	0.71	0.85	0.99	1.13	1.27	1.41
	41	0.62	0.77	0.92	1.08	1.23	1.38	1.54
	42	0.67	0.84	1.00	1.17	1.34	1.50	1.67
	43	0.73	0.91	1.09	1.27	1.45	1.63	1.82
	44	0.79	0.99	1.19	1.38	1.58	1.78	1.97
	45	0.86	1.08	1.29	1.51	1.72	1.93	2.15
	46	0.94	1.17	1.41	1.64	1.87	2.10	2.34
	47	1.02	1.28	1.53	1.78	2.04	2.29	2.54
	48	1.11	1.39	1.67	1.95	2.22	2.50	2.77
	49	1.22	1.52	1.82	2.12	2.42	2.72	3.02
	50	1.33	1.66	1.99	2.32	2.64	2.97	3.30
	51	1.45	1.81	2.17	2.53	2.89	3.24	3.60
	52	1.58	1.98	2.37	2.76	3.15	3.54	3.93
	53	1.73	2.16	2.59	3.02	3.44	3.87	4.29
	54	1.89	2.36	2.83	3.29	3.76	4.22	4.68
	55	2.07	2.58	3.09	3.60	4.10	4.60	5.10
	56	2.26	2.82	3.37	3.93	4.47	5.02	5.56
	57	2.47	3.08	3.69	4.29	4.88	5.47	6.06
	58	2.70	3.37	4.03	4.68	5.33	5.97	6.60
	59	2.95	3.68	4.40	5.11	5.81	6.51	7.20
	60	3.23	4.02	4.81	5.58	6.34	7.10	7.84
	61	3.54	4.40	5.25	6.09	6.92	7.74	8.55
	62	3.87	4.81	5.74	6.65	7.55	8.44	9.31
	63	4.23	5.26	6.27	7.26	8.23	9.19	10.13
	64	4.62	5.74	6.84	7.91	8.97	10.00	11.02
	65	5.05	6.26	7.45	8.62	9.76	10.87	11.97
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 25 years
Loan Interest: 12% p.a.c.a
Payable in 25 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.20	0.26	0.31	0.36	0.41	0.46	0.51
	19	0.21	0.26	0.31	0.36	0.42	0.47	0.52
	20	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	21	0.21	0.27	0.32	0.38	0.43	0.48	0.54
	22	0.22	0.27	0.33	0.38	0.44	0.49	0.55
	23	0.23	0.28	0.34	0.39	0.45	0.51	0.56
	24	0.23	0.29	0.35	0.41	0.47	0.53	0.58
	25	0.24	0.30	0.36	0.42	0.49	0.55	0.61
	26	0.25	0.32	0.38	0.45	0.51	0.57	0.64
	27	0.27	0.34	0.40	0.47	0.54	0.60	0.67
	28	0.28	0.36	0.43	0.50	0.57	0.64	0.71
	29	0.30	0.38	0.45	0.53	0.60	0.68	0.75
	30	0.32	0.40	0.48	0.57	0.65	0.73	0.81
	31	0.35	0.43	0.52	0.61	0.69	0.78	0.86
	32	0.37	0.47	0.56	0.65	0.74	0.84	0.93
	33	0.40	0.50	0.60	0.70	0.80	0.90	1.00
	34	0.44	0.54	0.65	0.76	0.87	0.97	1.08
	35	0.47	0.59	0.71	0.82	0.94	1.05	1.17
	36	0.51	0.64	0.76	0.89	1.02	1.14	1.27
	37	0.55	0.69	0.83	0.97	1.10	1.24	1.37
	38	0.60	0.75	0.90	1.05	1.20	1.34	1.49
	39	0.65	0.82	0.98	1.14	1.30	1.46	1.62
	40	0.71	0.89	1.06	1.24	1.41	1.58	1.76
	41	0.77	0.96	1.15	1.34	1.53	1.72	1.91
	42	0.84	1.05	1.26	1.46	1.66	1.87	2.07
	43	0.92	1.14	1.36	1.59	1.81	2.03	2.25
	44	1.00	1.24	1.48	1.73	1.97	2.20	2.44
	45	1.08	1.35	1.61	1.88	2.14	2.39	2.65
	46	1.18	1.47	1.76	2.04	2.32	2.60	2.88
	47	1.29	1.60	1.91	2.22	2.52	2.83	3.12
	48	1.40	1.74	2.08	2.41	2.74	3.07	3.39
	49	1.53	1.90	2.27	2.63	2.98	3.34	3.69
	50	1.67	2.07	2.47	2.86	3.25	3.63	4.01
	51	1.82	2.26	2.69	3.11	3.53	3.95	4.35
	52	1.98	2.46	2.93	3.39	3.84	4.29	4.73
	53	2.16	2.68	3.19	3.69	4.18	4.66	5.13
	54	2.36	2.92	3.47	4.01	4.54	5.06	5.57
	55	2.57	3.18	3.78	4.36	4.93	5.49	6.03
	56	2.80	3.46	4.11	4.74	5.35	5.95	6.54
	57	3.06	3.77	4.47	5.14	5.80	6.44	7.07
	58	3.33	4.10	4.85	5.58	6.29	6.98	7.65
	59	3.62	4.46	5.27	6.05	6.81	7.55	8.27
	60	3.94	4.84	5.71	6.56	7.37	8.16	8.93
	61	4.29	5.26	6.20	7.10	7.98	8.83	8.65
	62	4.66	5.71	6.72	7.69	8.63	9.54	10.42
	63	5.07	6.20	7.28	8.32	9.33	10.30	11.25
	64	5.50	6.72	7.88	9.00	10.07	11.11	12.13
	65	5.97	7.27	8.52	9.71	10.87	11.98	13.07
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 30 years
Loan Interest: 12% p.a.c.a
Payable in 30 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.23	0.29	0.34	0.40	0.46	0.51	0.57
	19	0.23	0.29	0.35	0.41	0.47	0.53	0.59
	20	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	21	0.25	0.31	0.37	0.43	0.49	0.56	0.62
	22	0.26	0.32	0.38	0.45	0.51	0.57	0.64
	23	0.26	0.33	0.40	0.46	0.53	0.59	0.66
	24	0.28	0.35	0.41	0.48	0.55	0.62	0.69
	25	0.29	0.36	0.43	0.51	0.58	0.65	0.72
	26	0.31	0.38	0.46	0.53	0.61	0.68	0.76
	27	0.32	0.41	0.49	0.57	0.65	0.73	0.81
	28	0.35	0.43	0.52	0.60	0.69	0.77	0.86
	29	0.37	0.46	0.55	0.64	0.73	0.83	0.92
	30	0.40	0.50	0.59	0.69	0.79	0.88	0.98
	31	0.43	0.53	0.64	0.74	0.85	0.95	1.05
	32	0.46	0.58	0.69	0.80	0.91	1.02	1.13
	33	0.50	0.62	0.74	0.86	0.98	1.10	1.22
	34	0.54	0.67	0.80	0.93	1.06	1.19	1.32
	35	0.58	0.73	0.87	1.01	1.15	1.29	1.43
	36	0.63	0.79	0.94	1.10	1.25	1.40	1.55
	37	0.69	0.86	1.02	1.19	1.35	1.51	1.67
	38	0.75	0.93	1.11	1.29	1.47	1.64	1.81
	39	0.81	1.01	1.21	1.40	1.59	1.78	1.96
	40	0.88	1.10	1.31	1.52	1.72	1.93	2.13
	41	0.96	1.19	1.42	1.65	1.87	2.09	2.30
	42	1.04	1.29	1.54	1.79	2.03	2.26	2.49
	43	1.13	1.41	1.67	1.94	2.19	2.45	2.70
	44	1.23	1.53	1.82	2.10	2.38	2.65	2.92
	45	1.34	1.66	1.97	2.28	2.58	2.87	3.16
	46	1.46	1.80	2.14	2.47	2.79	3.10	3.41
	47	1.59	1.96	2.32	2.68	3.02	3.36	3.69
	48	1.72	2.13	2.52	2.90	3.27	3.63	3.99
	49	1.88	2.31	2.73	3.14	3.54	3.93	4.30
	50	2.04	2.51	2.96	3.40	3.83	4.24	4.65
	51	2.22	2.72	3.21	3.68	4.14	4.58	5.01
	52	2.41	2.96	3.48	3.99	4.48	4.95	5.41
	53	2.62	3.21	3.77	4.31	4.83	5.34	5.83
	54	2.84	3.47	4.08	4.66	5.21	5.75	6.27
	55	3.08	3.76	4.41	5.02	5.62	6.19	6.74
	56	3.34	4.07	4.76	5.41	6.05	6.66	7.24
	57	3.62	4.39	5.13	5.83	6.50	7.15	7.78
	58	3.91	4.74	5.53	6.28	6.99	7.68	8.35
	59	4.23	5.12	5.96	6.75	7.52	8.25	8.96
	60	4.57	5.52	6.41	7.26	8.07	8.86	9.62
	61	4.94	5.95	6.90	7.81	8.67	9.51	10.32
	62	5.33	6.41	7.42	8.39	9.32	10.21	11.07
	63	5.74	6.90	7.98	9.01	10.00	10.96	11.88
	64	6.19	7.42	8.57	9.67	10.73	11.75	12.75
	65	6.66	7.97	9.20	10.38	11.51	12.61	13.67
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 5 years
Loan Interest: 14% p.a.c.a
Payable in 5 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.15	0.19	0.22	0.26	0.30	0.34	0.37
	19	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	20	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	21	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	22	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	23	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	24	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	25	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	26	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	27	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	28	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	29	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	30	0.15	0.19	0.23	0.26	0.30	0.34	0.38
	31	0.15	0.19	0.23	0.27	0.30	0.34	0.38
	32	0.16	0.20	0.24	0.28	0.32	0.36	0.40
	33	0.17	0.21	0.25	0.29	0.33	0.38	0.42
	34	0.18	0.22	0.27	0.31	0.36	0.40	0.44
	35	0.19	0.24	0.28	0.33	0.38	0.43	0.47
	36	0.20	0.25	0.31	0.36	0.41	0.46	0.51
	37	0.22	0.27	0.33	0.38	0.44	0.49	0.55
	38	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	39	0.26	0.32	0.39	0.45	0.52	0.58	0.65
	40	0.28	0.35	0.42	0.49	0.56	0.63	0.70
	41	0.30	0.38	0.46	0.53	0.61	0.69	0.76
	42	0.33	0.41	0.49	0.58	0.66	0.74	0.83
	43	0.36	0.45	0.54	0.63	0.72	0.81	0.90
	44	0.39	0.48	0.58	0.68	0.78	0.87	0.97
	45	0.42	0.52	0.63	0.73	0.84	0.94	1.05
	46	0.45	0.57	0.68	0.79	0.91	1.02	1.14
	47	0.49	0.61	0.74	0.86	0.98	1.11	1.23
	48	0.53	0.66	0.80	0.93	1.06	1.20	1.33
	49	0.58	0.72	0.87	1.01	1.16	1.30	1.45
	50	0.63	0.79	0.94	1.10	1.26	1.42	1.58
	51	0.69	0.86	1.03	1.21	1.38	1.55	1.73
	52	0.75	0.94	1.13	1.32	1.51	1.70	1.89
	53	0.82	1.03	1.24	1.45	1.66	1.87	2.08
	54	0.90	1.13	1.36	1.58	1.81	2.04	2.27
	55	0.98	1.23	1.48	1.73	1.98	2.23	2.49
	56	1.07	1.34	1.62	1.89	2.16	2.44	2.71
	57	1.17	1.46	1.76	2.06	2.36	2.66	2.96
	58	1.27	1.60	1.92	2.24	2.57	2.90	3.23
	59	1.39	1.74	2.10	2.45	2.81	3.17	3.53
	60	1.52	1.91	2.30	2.68	3.08	3.47	3.86
	61	1.67	2.09	2.52	2.95	3.38	3.81	4.24
	62	1.83	2.30	2.77	3.24	3.71	4.19	4.67
	63	2.01	2.53	3.04	3.56	4.08	4.61	5.14
	64	2.21	2.77	3.34	3.91	4.49	5.07	5.65
	65	2.42	3.04	3.66	4.29	4.92	5.56	6.20
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 10 years
Loan Interest: 14% p.a.c.a
Payable in 10 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	19	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	20	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	21	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	22	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	23	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	24	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	25	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	26	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	27	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	28	0.16	0.20	0.25	0.29	0.33	0.37	0.41
	29	0.17	0.21	0.25	0.30	0.34	0.38	0.42
	30	0.18	0.22	0.26	0.31	0.35	0.40	0.44
	31	0.19	0.23	0.28	0.33	0.37	0.42	0.47
	32	0.20	0.25	0.30	0.34	0.39	0.44	0.49
	33	0.21	0.26	0.31	0.37	0.42	0.47	0.53
	34	0.22	0.28	0.34	0.39	0.45	0.51	0.56
	35	0.24	0.30	0.36	0.42	0.48	0.55	0.61
	36	0.26	0.33	0.39	0.46	0.52	0.59	0.65
	37	0.28	0.35	0.42	0.50	0.57	0.64	0.71
	38	0.31	0.38	0.46	0.54	0.61	0.69	0.77
	39	0.33	0.42	0.50	0.58	0.67	0.75	0.83
	40	0.36	0.45	0.54	0.63	0.72	0.81	0.90
	41	0.39	0.49	0.59	0.68	0.78	0.88	0.98
	42	0.42	0.53	0.63	0.74	0.85	0.96	1.06
	43	0.46	0.57	0.69	0.80	0.92	1.04	1.15
	44	0.50	0.62	0.75	0.87	1.00	1.12	1.25
	45	0.54	0.67	0.81	0.94	1.08	1.22	1.35
	46	0.58	0.73	0.88	1.03	1.17	1.32	1.47
	47	0.64	0.79	0.96	1.12	1.28	1.44	1.60
	48	0.69	0.87	1.04	1.22	1.39	1.57	1.74
	49	0.75	0.94	1.13	1.33	1.52	1.71	1.90
	50	0.82	1.03	1.24	1.45	1.66	1.87	2.08
	51	0.90	1.13	1.36	1.58	1.81	2.04	2.27
	52	0.98	1.23	1.48	1.73	1.98	2.24	2.49
	53	1.08	1.35	1.62	1.89	2.17	2.45	2.72
	54	1.18	1.47	1.77	2.07	2.37	2.68	2.98
	55	1.28	1.61	1.94	2.26	2.59	2.93	3.26
	56	1.40	1.76	2.12	2.48	2.84	3.20	3.56
	57	1.53	1.92	2.31	2.71	3.10	3.50	3.90
	58	1.68	2.10	2.53	2.96	3.40	3.83	4.27
	59	1.84	2.30	2.77	3.25	3.72	4.20	4.68
	60	2.01	2.52	3.04	3.56	4.08	4.61	5.14
	61	2.21	2.77	3.34	3.91	4.48	5.06	5.65
	62	2.42	3.04	3.66	4.29	4.93	5.56	6.21
	63	2.65	3.33	4.02	4.71	5.41	6.12	6.82
	64	2.91	3.66	4.41	5.18	5.94	6.72	7.50
	65	3.19	4.02	4.85	5.68	6.53	7.39	8.25
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 15 years
Loan Interest: 14% p.a.c.a
Payable in 15 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	19	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	20	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	21	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	22	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	23	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	24	0.18	0.22	0.27	0.31	0.35	0.40	0.44
	25	0.18	0.22	0.27	0.31	0.36	0.40	0.45
	26	0.18	0.23	0.27	0.32	0.37	0.41	0.46
	27	0.19	0.24	0.28	0.33	0.38	0.43	0.47
	28	0.20	0.25	0.30	0.35	0.39	0.44	0.49
	29	0.21	0.26	0.31	0.36	0.41	0.47	0.52
	30	0.22	0.27	0.33	0.38	0.44	0.49	0.55
	31	0.23	0.29	0.35	0.41	0.47	0.52	0.58
	32	0.25	0.31	0.37	0.43	0.50	0.56	0.62
	33	0.27	0.33	0.40	0.47	0.53	0.60	0.67
	34	0.29	0.36	0.43	0.50	0.57	0.65	0.72
	35	0.31	0.39	0.46	0.54	0.62	0.70	0.77
	36	0.33	0.42	0.50	0.59	0.67	0.75	0.84
	37	0.36	0.45	0.54	0.63	0.72	0.82	0.91
	38	0.39	0.49	0.59	0.69	0.79	0.88	0.98
	39	0.42	0.53	0.64	0.74	0.85	0.96	1.07
	40	0.46	0.58	0.69	0.81	0.92	1.04	1.16
	41	0.50	0.63	0.75	0.88	1.00	1.13	1.26
	42	0.54	0.68	0.82	0.95	1.09	1.23	1.36
	43	0.59	0.74	0.89	1.03	1.18	1.33	1.48
	44	0.64	0.80	0.96	1.12	1.29	1.45	1.61
	45	0.70	0.87	1.05	1.22	1.40	1.57	1.75
	46	0.76	0.95	1.14	1.33	1.52	1.71	1.91
	47	0.83	1.03	1.24	1.45	1.66	1.87	2.08
	48	0.90	1.13	1.35	1.58	1.81	2.03	2.26
	49	0.98	1.23	1.48	1.72	1.97	2.22	2.47
	50	1.07	1.34	1.61	1.88	2.15	2.42	2.70
	51	1.17	1.47	1.76	2.06	2.35	2.65	2.95
	52	1.28	1.60	1.93	2.25	2.57	2.90	3.22
	53	1.40	1.75	2.11	2.46	2.82	3.17	3.53
	54	1.53	1.92	2.30	2.69	3.08	3.47	3.86
	55	1.67	2.10	2.52	2.94	3.37	3.79	4.22
	56	1.83	2.29	2.75	3.22	3.68	4.15	4.61
	57	2.00	2.51	3.01	3.52	4.03	4.53	5.04
	58	2.19	2.74	3.29	3.85	4.40	4.96	5.52
	59	2.40	3.00	3.61	4.21	4.82	5.43	6.04
	60	2.62	3.29	3.95	4.62	5.28	5.95	6.62
	61	2.88	3.60	4.33	5.06	5.79	6.52	7.25
	62	3.16	3.95	4.75	5.55	6.35	7.15	7.95
	63	3.46	4.34	5.22	6.09	6.97	7.85	8.72
	64	3.80	4.76	5.72	6.68	7.64	8.60	9.56
	65	4.17	5.22	6.27	7.33	8.38	9.42	10.47
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 20 years
Loan Interest: 14% p.a.c.a
Payable in 20 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.19	0.23	0.28	0.33	0.37	0.42	0.47
	19	0.19	0.23	0.28	0.33	0.38	0.42	0.47
	20	0.19	0.24	0.28	0.33	0.38	0.42	0.47
	21	0.19	0.24	0.28	0.33	0.38	0.43	0.48
	22	0.19	0.24	0.29	0.34	0.38	0.43	0.48
	23	0.19	0.24	0.29	0.34	0.39	0.44	0.49
	24	0.20	0.25	0.30	0.35	0.40	0.45	0.50
	25	0.20	0.26	0.31	0.36	0.41	0.46	0.51
	26	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	27	0.22	0.28	0.33	0.39	0.44	0.50	0.55
	28	0.23	0.29	0.35	0.41	0.47	0.52	0.58
	29	0.25	0.31	0.37	0.43	0.49	0.56	0.62
	30	0.26	0.33	0.39	0.46	0.53	0.59	0.62
	31	0.28	0.35	0.42	0.49	0.56	0.63	0.70
	32	0.30	0.38	0.45	0.53	0.60	0.68	0.75
	33	0.32	0.40	0.49	0.57	0.65	0.73	0.81
	34	0.35	0.44	0.52	0.61	0.70	0.78	0.87
	35	0.38	0.47	0.57	0.66	0.75	0.85	0.94
	36	0.41	0.51	0.61	0.71	0.82	0.92	1.02
	37	0.44	0.55	0.66	0.77	0.88	1.00	1.11
	38	0.48	0.60	0.72	0.84	0.96	1.08	1.20
	39	0.52	0.65	0.78	0.91	1.04	1.17	1.30
	40	0.57	0.71	0.85	0.99	1.13	1.27	1.41
	41	0.62	0.77	0.92	1.08	1.23	1.38	1.54
	42	0.67	0.84	1.00	1.17	1.34	1.50	1.67
	43	0.73	0.91	1.09	1.27	1.45	1.63	1.82
	44	0.79	0.99	1.19	1.38	1.58	1.78	1.97
	45	0.86	1.08	1.29	1.51	1.72	1.93	2.15
	46	0.94	1.17	1.41	1.64	1.87	2.10	2.34
	47	1.02	1.28	1.53	1.78	2.04	2.29	2.54
	48	1.11	1.39	1.67	1.95	2.22	2.50	2.77
	49	1.22	1.52	1.82	2.12	2.42	2.72	3.02
	50	1.33	1.66	1.99	2.32	2.64	2.97	3.30
	51	1.45	1.81	2.17	2.53	2.89	3.24	3.60
	52	1.58	1.98	2.37	2.76	3.15	3.54	3.93
	53	1.73	2.16	2.59	3.02	3.44	3.87	4.29
	54	1.89	2.36	2.83	3.29	3.76	4.22	4.68
	55	2.07	2.58	3.09	3.60	4.10	4.60	5.10
	56	2.26	2.82	3.37	3.93	4.47	5.02	5.56
	57	2.47	3.08	3.69	4.29	4.88	5.47	6.06
	58	2.70	3.37	4.03	4.68	5.33	5.97	6.60
	59	2.95	3.68	4.40	5.11	5.81	6.51	7.20
	60	3.23	4.02	4.81	5.58	6.34	7.10	7.84
	61	3.54	4.40	5.25	6.09	6.92	7.74	8.55
	62	3.87	4.81	5.74	6.65	7.55	8.44	9.31
	63	4.23	5.26	6.27	7.26	8.23	9.19	10.13
	64	4.62	5.74	6.84	7.91	8.97	10.00	11.02
	65	5.05	6.26	7.45	8.62	9.76	10.87	11.97
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 25 years
Loan Interest: 14% p.a.c.a
Payable in 25 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.20	0.26	0.31	0.36	0.41	0.46	0.51
	19	0.21	0.26	0.31	0.36	0.42	0.47	0.52
	20	0.21	0.26	0.32	0.37	0.42	0.48	0.53
	21	0.21	0.27	0.32	0.38	0.43	0.48	0.54
	22	0.22	0.27	0.33	0.38	0.44	0.49	0.55
	23	0.23	0.28	0.34	0.39	0.45	0.51	0.56
	24	0.23	0.29	0.35	0.41	0.47	0.53	0.58
	25	0.24	0.30	0.36	0.42	0.49	0.55	0.61
	26	0.25	0.32	0.38	0.45	0.51	0.57	0.64
	27	0.27	0.34	0.40	0.47	0.54	0.60	0.67
	28	0.28	0.36	0.43	0.50	0.57	0.64	0.71
	29	0.30	0.38	0.45	0.53	0.60	0.68	0.75
	30	0.32	0.40	0.48	0.57	0.65	0.73	0.81
	31	0.35	0.43	0.52	0.61	0.69	0.78	0.86
	32	0.37	0.47	0.56	0.65	0.74	0.84	0.93
	33	0.40	0.50	0.60	0.70	0.80	0.90	1.00
	34	0.44	0.54	0.65	0.76	0.87	0.97	1.08
	35	0.47	0.59	0.71	0.82	0.94	1.05	1.17
	36	0.51	0.64	0.76	0.89	1.02	1.14	1.27
	37	0.55	0.69	0.83	0.97	1.10	1.24	1.37
	38	0.60	0.75	0.90	1.05	1.20	1.34	1.49
	39	0.65	0.82	0.98	1.14	1.30	1.46	1.62
	40	0.71	0.89	1.06	1.24	1.41	1.58	1.76
	41	0.77	0.96	1.15	1.34	1.53	1.72	1.91
	42	0.84	1.05	1.26	1.46	1.66	1.87	2.07
	43	0.92	1.14	1.36	1.59	1.81	2.03	2.25
	44	1.00	1.24	1.48	1.73	1.97	2.20	2.44
	45	1.08	1.35	1.61	1.88	2.14	2.39	2.65
	46	1.18	1.47	1.76	2.04	2.32	2.60	2.88
	47	1.29	1.60	1.91	2.22	2.52	2.83	3.12
	48	1.40	1.74	2.08	2.41	2.74	3.07	3.39
	49	1.53	1.90	2.27	2.63	2.98	3.34	3.69
	50	1.67	2.07	2.47	2.86	3.25	3.63	4.01
	51	1.82	2.26	2.69	3.11	3.53	3.95	4.35
	52	1.98	2.46	2.93	3.39	3.84	4.29	4.73
	53	2.16	2.68	3.19	3.69	4.18	4.66	5.13
	54	2.36	2.92	3.47	4.01	4.54	5.06	5.57
	55	2.57	3.18	3.78	4.36	4.93	5.49	6.03
	56	2.80	3.46	4.11	4.74	5.35	5.95	6.54
	57	3.06	3.77	4.47	5.14	5.80	6.44	7.07
	58	3.33	4.10	4.85	5.58	6.29	6.98	7.65
	59	3.62	4.46	5.27	6.05	6.81	7.55	8.27
	60	3.94	4.84	5.71	6.56	7.37	8.16	8.93
	61	4.29	5.26	6.20	7.10	7.98	8.83	9.65
	62	4.66	5.71	6.72	7.69	8.63	9.54	10.42
	63	5.07	6.20	7.28	8.32	9.33	10.30	11.25
	64	5.50	6.72	7.88	9.00	10.07	11.11	12.13
	65	5.97	7.27	8.52	9.71	10.87	11.98	13.07
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group
HLRI GROSS MONTHLY PREMIUM PER P1000 AMOUNT OF LOAN
Loan Term: 30 years
Loan Interest: 14% p.a.c.a
Payable in 30 years (Full Term)
1980 CSO @ 5.17%
	Age	Standard	A	B	C	D	E	F
	18	0.24	0.29	0.35	0.41	0.47	0.53	0.59
	19	0.24	0.30	0.36	0.42	0.48	0.54	0.60
	20	0.25	0.31	0.37	0.43	0.49	0.56	0.62
	21	0.25	0.32	0.38	0.45	0.51	0.57	0.64
	22	0.26	0.33	0.40	0.46	0.53	0.59	0.66
	23	0.27	0.34	0.41	0.48	0.55	0.61	0.68
	24	0.29	0.36	0.43	0.50	0.57	0.64	0.71
	25	0.30	0.38	0.45	0.52	0.60	0.67	0.75
	26	0.32	0.40	0.47	0.55	0.63	0.71	0.79
	27	0.34	0.42	0.50	0.59	0.67	0.75	0.83
	28	0.36	0.45	0.54	0.63	0.71	0.80	0.89
	29	0.38	0.48	0.57	0.67	0.76	0.86	0.95
	30	0.41	0.52	0.62	0.72	0.82	0.92	1.02
	31	0.44	0.55	0.66	0.77	0.88	0.99	1.09
	32	0.48	0.60	0.72	0.83	0.95	1.06	1.18
	33	0.52	0.65	0.77	0.90	1.02	1.15	1.27
	34	0.56	0.70	0.84	0.97	1.11	1.24	1.37
	35	0.61	0.76	0.90	1.05	1.20	1.34	1.48
	36	0.66	0.82	0.98	1.14	1.29	1.45	1.60
	37	0.72	0.89	1.06	1.23	1.40	1.57	1.74
	38	0.78	0.97	1.15	1.34	1.52	1.70	1.88
	39	0.85	1.05	1.25	1.45	1.65	1.84	2.04
	40	0.92	1.14	1.36	1.57	1.79	2.00	2.20
	41	1.00	1.24	1.47	1.71	1.94	2.16	2.39
	42	1.08	1.34	1.60	1.85	2.10	2.34	2.58
	43	1.18	1.46	1.74	2.01	2.27	2.53	2.79
	44	1.28	1.59	1.88	2.18	2.46	2.74	3.02
	45	1.39	1.72	2.04	2.36	2.67	2.97	3.26
	46	1.51	1.87	2.22	2.55	2.89	3.21	3.52
	47	1.65	2.03	2.40	2.77	3.12	3.47	3.80
	48	1.79	2.20	2.61	3.00	3.38	3.75	4.11
	49	1.95	2.39	2.83	3.25	3.65	4.05	4.43
	50	2.12	2.60	3.06	3.51	3.95	4.37	4.78
	51	2.30	2.82	3.32	3.80	4.27	4.72	5.15
	52	2.50	3.06	3.59	4.11	4.61	5.09	5.55
	53	2.71	3.31	3.89	4.44	4.97	5.48	5.97
	54	2.94	3.59	4.20	4.79	5.35	5.90	6.42
	55	3.19	3.88	4.54	5.16	5.76	6.34	6.90
	56	3.45	4.19	4.89	5.56	6.20	6.81	7.41
	57	3.73	4.52	5.27	5.98	6.66	7.31	7.94
	58	4.04	4.88	5.68	6.43	7.15	7.85	8.52
	59	4.36	5.26	6.11	6.91	7.68	8.42	9.13
	60	4.71	5.67	6.57	7.42	8.24	9.03	9.79
	61	5.08	6.10	7.06	7.97	8.84	9.68	10.49
	62	5.47	6.56	7.59	8.56	9.49	10.38	11.25
	63	5.89	7.06	8.15	9.18	10.17	11.13	12.06
	64	6.34	7.58	8.74	9.84	10.90	11.93	12.92
	65	6.81	8.13	9.37	10.55	11.68	12.78	13.85
Prepared By:
Life and Non-Life Insurance and Pre-Need Staff
Actuarial Services Office
Actuarial Group

Prepared By:

Life and Non-Life Insurance and Pre-Need Staff

Actuarial Services Office

Actuarial Group

ANNEX D

December 12, 2006

MEMORANDUM FOR:

ATTY. ELBA G. TAYO-CHUA

Notice of Insurability underMortgage Redemption Insurance

Please be informed that MS. MELITA D. AGONOY of Malasin, San Mateo, Isabela has submitted the requirements for Mortgage Redemption Insurance. The pertinent particulars of her coverage are as follows: cTESIa

Registry Number	:	56730
Date of Birth of the Insured	:	08-30-68
Age at issue	:	38
Amount of Approved loan	:	P633,546.66
Date of Medical Exam	:	11-15-06
Classification risk	:	Sub-A
Monthly Premium	:	P820.64 (0.92/1000) *
Mortgage Term	:	25

For your Information

ERLINDA D. BAÑARES

* Subject to adjustment

ANNEX E

GOVERNMENT SERVICE INSURANCE SYSTEM

HLRI Policy No. _________

HEREBY INSURES

_________________	_________	_____________________________
Given Name	M.I.	Surname
Date of Issue:	__________	________	_______	Age at Issue ________________
	Month	Day	Year

THE INSURED

during the period as herein stipulated and agrees to grant the Insured the benefits in connection with the Housing Loan Mortgage Contract executed by him on __________ and to which this Policy is attached, the sum or sums released and received by the Insured on account of his original/additional/ideal balance at the time of procurement of loan of P________ secured by the said borrower shall be considered paid; upon receipt of proof of death of the Insured while this Policy is in full force and effect, provided, that such payment shall not include amortizations on his housing loan that are unpaid on their due dates, arrearages, delinquencies and or outstanding accounts due and payable to the System/Lending Institution existing at the time of his death.

This Policy is granted subject to the terms and conditions set forth at the back hereof and in consideration of the application therefor and payment of the first premium thereon, and shall take effect on the date of issue of the said policy. The monthly premium due on this insurance shall be P____________ (____/1000) based on the Insured's age on the date of issue, subject to adjustment if the insured shall become one year older on the date of the last release of the loan. The regular monthly premium on the maximum insurance on this Policy shall be due and payable on the date of the last release and monthly thereafter during the lifetime of the Insured until premiums for __________ full years shall have been paid or until prior death of the Insured. This Housing Loan Redemption Insurance shall cover the amount of insurance corresponding to the decreasing amount of the aforesaid loan for a period of _______ years counted from the date of the last release. THEDcS

In witness whereof, the GOVERNMENT SERVICE INSURANCE SYSTEM has caused this policy to be executed as of the date of last release/date of issue stated hereinabove, which is the date this policy takes effect.

President and General Manager

Issued by: _________________________

Date:

Attested: __________________________ Corporate Secretary

TERMS AND CONDITIONS

I. PREMIUM PAYMENT. The premium on this Housing Loan Redemption Insurance policy is computed on a monthly basis, payable in advance. Subsequent monthly premiums are due and payable every thirty days after the date of issue of this policy at the office of the System in Pasay City or in the Field Operations Departments having operational control thereon. When any premium due on this policy remains unpaid after its due date, such date is the date of default in payment of premiums. The mere fact that this policy is attached to the housing loan mortgage contract executed by the Insured in favor of the GSIS/Lending Institution where loan was procured and in the possession of the Insured or his beneficiary does not imply that it is in force unless the premiums due thereon are paid. For this purpose, any monthly payment made whether by salary deduction or by direct payment shall be applied in accordance with the following order of priorities: ADECcI

a) HLRI surcharge

b) HLRI premium

c) Fire Insurance surcharge

d) Fire Insurance premium

e) Surcharge on interest

f) Interest

g) Principal

The first release shall be charged a month's premium corresponding thereto. Subsequent releases, if any, shall be charged the premiums in arrears due on the earlier releases including a month's premium on the total releases. The final release shall be charged a month's premium due on the total loan, plus the premium in arrears due on the earlier releases.

If after one or more releases on account of the loan, the insured mortgagor does not avail of the full amount of the loan, then the date of the last or final release and the monthly regular premium shall become due and payable from said date.

Any premium, if not paid when due and after the end of the grace period, shall bear interest at the rate of one half per centum (1/2%) per month.

II. INSURABILITY. It shall be the obligation of the insured to make sure that his/her medical and physical examination is formally approved by the GSIS for insurance purposes. It is understood that without such formal approval, this contract shall not be considered valid and binding even if premiums thereon have been paid. DHaEAS

III. GRACE PERIOD. For the payment of any premium under this policy a grace period of six (6) months will be allowed, during which time the policy will remain in force. If no reinstatement or updating is made during the grace period, this policy shall automatically lapse without the necessity of notice from the GSIS. After the policy has lapsed, the premium for the six (6) months grace period shall bear a penalty of one-half per centum (1/2%) per month until fully paid.

If the policy shall become a claim within the grace period, the unpaid premium due shall be considered an indebtedness on this policy and the same shall be chargeable to the proceeds thereof.

IV. REAPPLICATION. Upon non-payment of premiums during the six (6) months grace period, the benefits provided by this policy shall be automatically suspended effective the first day after the end of the grace period. The policyholder, however, shall be allowed to reapply for a new policy under the following conditions:

1. The amount of insurance shall be equivalent to the amount of restructured loan;

2. The policyholder shall be considered a new applicant for the insurance coverage and shall be subject anew to the two years contestability period; DcSEHT

3. The Insured will be subjected to medical examination, the results of which may change the risk classification and therefore the premiums thereafter; and

4. All premiums in arrears should be paid in full before a new policy shall be issued.

V. NON-PARTICIPATING. This Housing Loan Redemption Insurance policy shall not participate in the surplus earnings of the System.

VI. RESERVE BASIS. The Reserve basis used in computing the premiums and values upon this policy is the American Experience Table of Mortality with interest at three and one-half (3 1/2) per annum.

VII. CASH AND NON-FORFEITURE VALUES. There shall be no loan, cash or other non-forfeiture values on this policy or any option of conversion to a plan of permanent insurance. cADaIH

VIII. INCONTESTABILITY. This policy shall be incontestable after it shall have been in force for two years from the date it takes effect, except for non-payment of premiums.

IX. MIS-STATEMENT OF AGE. If the age of the Insured has been mis-stated, the amount of insurance applicable to the payment of the Insured's mortgage liability under the policy shall be such amount as the premiums paid would have purchased at the correct age. The System shall at any time upon satisfactory proof, accept and enter the correct age of the Insured.

X. CHANGE OF BENEFICIARY. Anything herein to the contrary notwithstanding when the right to change the beneficiary has been reserved, the Insured may, while this policy is in force, designate a new beneficiary. Every request for a change in beneficiary shall be made in writing on a form satisfactory to the System. No such change of beneficiary shall take effect until such request shall have been filed with the System, but when so filed shall relate back to and take effect as of the date of such request whether the Insured be living at the time of such filing or not, but without prejudice to the System on account of any payment made by it before receipt of such request. If any beneficiary shall die before the Insured, the interest of such beneficiary shall vest in the Insured unless otherwise especially provided, but if two or more beneficiaries have been designated the share pertaining to whoever of them shall predecease the Insured, shall accrue to the surviving beneficiary/ies, unless the Insured in the exercise of his right to revocation, designate a new beneficiary/ies. HcTEaA

 

XI. ASSIGNMENT. The proceeds of this policy shall not be assignable except to the System/Lending Institution where the loan was procured.

XII. DEATH. Upon the death of the Insured, the sums already released from the Insured's approved loan shall be deemed paid and in case the whole loan has been released, the System shall waive payment of all amortizations of his housing loan with the System/Lending Institution where the loan was procured which fall due after the date of his death, by applying the proceeds of his insurance to the balance of said loan.

 For policyholder with housing loan from other government or private financing institution, and whose loan is due and demandable at the time of death, the claim shall not be paid.

XIII. EXCLUSIONS. Death arising out of the following are not covered:

1. Suicide or self-inflicted injuries, whether the Insured be sane or insane;

2. Participation in any strike, riot, insurrection, or war, or any act incident thereto; EAISDH

3. Cosmetic and plastic surgery except when required due to accidental injury;

4. Habitual intoxication;

5. Use of dangerous drugs without physician's prescription;

6. Intentional exposure to unnecessary danger; or

7. Pre-existing illness for which medical treatment has been received within six (6) months prior to the issuance of this policy.

XIV. ENTIRE CONTRACT. This policy, with the application signed by the Insured, a copy of which is attached hereto, is issued under the provisions of Commonwealth Act 186, as amended, and together with the housing loan Mortgage Contract to which this policy is attached, constitute the entire contract. All statements made by the Insured shall, in the absence of fraud, be deemed representations and not warranties, and no statement shall void this policy or be used as defense to a claim hereunder unless it be contained in said application and copy thereof is attached hereto when issued. IESDCH

XV. TERMINATION. The policy shall automatically terminate if:

1. the policy has lapsed;

2. mortgage had been foreclosed;

3. total loan amount had been fully paid; or

4. upon the effective transfer of the Insured's interest and/or title to the subject property.

XVI. ALTERATION OF CONTRACT. Any change or addition of beneficiary or any other modification or alteration of this policy shall not bind the System unless such change is duly endorsed by the System. CacHES

GSIS Law Office

22 December 2006

MEMORANDUM

 

This refers to your Memorandum dated 27 November 2006 requesting the GSIS Law Office (GLO) to review the draft Housing Loan Redemption Insurance (HLRI) Policy Contract.

Relative thereto, we find the same draft HLRI Policy Contract to be in order and has duly reflected the letter and intent of Board Resolution No. 53 dated 29 May 2006. However, it would be advisable to incorporate in the draft Contract the policy of the GSIS under GSIS Board Resolution No. 485 dated 1 August 1980 which provides:

"It is the duty of the vendee to make sure that his/her medical and physical examination is formally approved by the GSIS for insurance purposes; it is understood that without such formal approval, no sales redemption insurance shall be considered valid even if premiums thereon have been previously paid." TCaADS

Hence, a new Article may be inserted with the following provision:

"INSURABILITY. It shall be the obligation of the insured to make sure that his/her medical and physical examination is formally approved by the GSIS for insurance purposes. It is understood that without such formal approval, this contract shall not be considered valid and binding even if premiums thereon have been paid."

For the Manager's consideration and appropriate action. DEcSaI

27 November 2006

MEMORANDUM

May we respectfully refer to you the draft of the Housing Loan Redemption Insurance (HLRI) policy contract for your review and approval. This coverage shall replace the existing Sales/Mortgage Redemption Insurance which we are currently extending to GSIS housing loan borrowers. Likewise, said cover will be extended to qualified applicants with housing loan from other government and private lending institution as approved under Board Resolution No. 53 duly adopted by the Board of Trustees last 29 May 2006 (copy attached).

We are also attaching the Policies and Procedural Guidelines on HLRI which was passed upon by the Management Committee on its meeting last 19 October 2006.

We will be grateful for your immediate response on the matter.

(SGD.) ERLINDA D. BANARES

Noted:

(SGD.) ANTONIO V. RESURRECCION, JR.	(SGD.) JOSEFINA L. VALERA
OIC-VP, Underwriting Office	Senior Vice President
	General Insurance Group

ANNEX F

ASSURANCE DEPARTMENT

December 14, 2006

MEMORANDUM FOR:

The Chief

Physical and Medical Examination Office

Office

Please conduct a physical and medical examination for: aCTcDS

O a. Mortgage Redemption Insurance

O b. Sales Redemption Insurance

O c. Optional Life Insurance

O d. Group Term Life Insurance

on the person of Mr/Ms _________________________ He/She has already executed the Mortgage Contract on his/her real estate on _______________________.

Amount of loan/insurance ______________________

Interest rate _________________________________

Board Resolution No. _________________________

Please proceed to 3rd Level Core B

ERLINDA D. BAÑARES

ANNEX G

ASSURANCE DEPARTMENT

December 12, 2006

MEMORANDUM FOR:

ATTY. LUCIO L. YU, JR.ManagerHousing Finance Administration DepartmentHousing & Real Property Development GroupOffice

The following are the details of SRI Coverage of MS. GLORIA N. SANTOS based on the registry book: HCTAEc

SRI Policy No.	:	50039
Effective Date	:	06-01-79
Age at Issue	:	33
Installment Plan	:	15
Maturity Date	:	05-31-1994
Face Value	:	P59,250.00
Monthly Premium	:	P50.36 (0.85/1000) to P30.22 (.51/1000) *
Medical Classification	:	Sub-E to Sub-A
Date of Medical exam	:	05-20-80
Date of Birth	:	03-05-46

For your information.

DULCE M. JINAHON

* Effective June 1, 1980

ANNEX H

ASSURANCE DEPARTMENT

December 12, 2006

MEMORANDUM FOR:

ATTY. LUCIO L. YU, JR.ManagerHousing Finance Administration DepartmentHousing & Real Property Development GroupOffice

In connection with the death claim of the heirs of the late FELINO F. BEN of Brgy. San Vicente, Tarlac. Please be informed that the following facts relative to his Sales Redemption Insurance Coverage (SRI) have been established based on the Registry Book:

SRI Policy No.	:	31208
Effective Date	:	12-1-94
Age at issue	:	33
Installment Plan	:	25
Maturity Date	:	11-30-2019
Face Value	:	P172,000.00
Monthly Premium	:	P223.60 (1.30/1000)/204.68 (1.19/1000)
Medical Classification	:	Sub E/Sub-D
Date of Medical Exam	:	06-07-96
Date of Birth	:	07-01-61

In view of the foregoing, you may now proceed to adjudicate the claim in accordance with the existing rules and guidelines. DAEcIS

Thank you

DULCE M. JINAHON