TROO INSURANCE COMPANY

 Founded in 2015
 First insurance company in the world to have an end-to-end integrated IT platform in the cloud
 Lifetime partnership between EastWest Bank, and Ageas, a large international insurance group and one of Europe’s
top 20 insurance companies
 Specialties: Life Insurance, Financial Advice, and Risk Management
 Headquarters: Taguig 1634, Metro Manila
https://troo.life/corporate/board-of-directors - BOD

Vision: What we strive for

To help Filipinos plan a better tomorrow so they can live their best life today

Mission: The purpose that drives us forward

To be the game-changer that makes life planning and protection a life-changing experience. Game-
changing life-changers.

Values: The qualities that define us

Bravery We are courageous enough to stand by our convictions and be there when it really matters.

Optimis
We harness the power of being positive, to realize ambitions and remove obstacles.
m

Creativit
We are smart thinkers, ready to explore different avenues, to find a better way.
y

We are honest and transparent in creating, offering, and delivering the right solution for each
Integrity
customer.

Personality: The characteristics that shape our behavior

Authentic Genuine people who are open, and always true to themselves and others

Bold Always prepared to stand out from the crowd and stand up for what we believe in

Charismatic Engaging personalities who are easy to talk to and inspire you to greater things

THE INTENTION IS TO GIVE YOUNG FILIPINOS A SUSTAINABLE ADVANTAGE IN LIFE THROUGH AN

APPROACHABLE INSTITUTION OFFERING DYNAMIC INSURANCE OPTIONS
INVESTMENTS

can choose from four (4) peso-denominated funds for capital and income growth:

 Asian Equity Fund - offshore investment in a HK$ denominated exchange traded fund (ETF)
 Bond Fund - corporate or government bonds
 Equity Fund - index fund that aims to mirror the performance of the Philippine stock market
 Balanced Fund - a mix of the equity index fund and high-quality bonds

https://troo.life/investments – FUNDS’ PERFORMANCE

How safe are these funds? Is there risk associated with the investment fund?

Risks and returns usually go hand in hand. Which is why our Troo Advisors will assess how much
volatility you are willing to deal with. They will help you determine what your choice of funds and
proportion invested should be. Of our 4 funds, the Bond Fund presents conservative or low risk. The
Equity Fund is moderately high risk while the Balanced Fund is at moderate risk. The Asian Equity Fund's
risk profile is highly aggressive. The fund carrying a higher risk is more volatile and can potentially lead to
higher losses or gains.

INSURANCE POLICIES

1. BuildWealth Limited Pay 

Have the power over your money

 The first real limited pay VUL in the country

> Guaranteed payment term - pay ONLY for the period you signed up for, whether it’s 3, 5, 7 or
10 years
> Market movement won’t affect your premiums and your payment period - we won’t ask you for
anything more

 Build it how you want it: payment period, payment frequency, investment funds, your maximum
coverage amount

 Choose from any of our 4 available riders when you go for our BuildWealth 10-Pay protection
and health plan - to know more,

 Get covered for 10 years. And extend it if you like - no extra fees (Not applicable to optional
riders)

 Have the freedom to choose from our four peso-denominated funds and decide how much to
invest in each

https://troo.life/faq/charges-and-fees

BuildWealth and BoostWealth are both VUL products of Troo. VUL is an acronym

for Variable Unit- Linked policy. VUL is designed to provide you insurance protection and investment
options.

With BuildWealth and BoostWealth, your premium is divided to:

 pay your insurance and other charges which gives you cover
 invest in funds of your choice. You have the freedom to choose from four funds and decide how
much to invest in each.
 2. BuildWealth Regular Pay
Grow your wealth over time with easy-on-the-pocket premiums

 Get lifelong protection while your money grows

 Pay your premiums however you want: quarterly, semi-annual or annual

 Have the freedom to choose from our four peso-denominated funds and decide how much to
invest in each

3. BoostWealth
Have a large sum of money right now? Maximize it. And make it work for you.

 No need to worry about premium due dates. Pay once and watch your money grow

 Add units by topping up. And boost your earnings.

 Have the freedom to choose from our four peso-denominated funds and decide how much to
invest in each

4. GRADUATE
Graduate is a traditional life insurance plan that acts as a college savings plan with life
insurance for your child. It will help you support your child through college. Graduate gives you
guaranteed increasing annual payouts, for every year your child is in college. On the 5th and
last year, your child will receive a graduation cash gift.
How old does my child need to be for this plan? How old should I be? 
To get a Graduate plan, your child must be between 30 days old and 11 years old. You need to
be between 18 and 60 years of age. If you start planning today while your kid is still young, the
less you'll shell out and the more time for you to save up for college.

Is there a minimum policy cover? How much are the premiums? 

You can get a Graduate plan for your child for a minimum cover of ₱250,000. And if you go
for annual premiums, you can pay as low as ₱11,094.

For how long do I pay the premiums? 

You can choose a plan for 5 or 10 years. Or until your child is 17, 18 or 19 years old. Our
Troo Advisors will work with you to come up with the right plan for your needs. And one
that's within your budget.

How do I pay the premiums? 

Paying your premiums is easy. You can use:

1. Auto-debit (ADA) with your EastWest account

2. Auto-charge with your Visa, Mastercard, UnionPay or JCB credit card 
3. Auto-charge with your EastWest Credit Card through EWB Credit Card Quick Bills Facility

The above three options require a one-time set up. Just talk to your Troo Advisor or call Troo Customer
Care. After which, your premium will be automatically charged to your credit card or EastWest
account/credit card.

Or you can also settle premiums via online payment with EastWest Online Banking.

https://troo.life/faq/faq-graduate - FAQ
 5. Prime Umbrella
Cover all the bases with Prime Umbrella

 Get protection for 10 years

 Get double payout for accidental death or disablement

 Pay your premiums however you want: quarterly, semi-annually or annually

Troo Prime Umbrella gives you a 10-year coverage you can afford. With double payout for accidental
death, or loss of limbs; cash for serious illnesses and hospitalization. In case the unforeseen happens, on
top of your basic death benefit, you get additional cover.  Prime Umbrella will also pay your premiums if
you become disabled. Outlive your policy and get a cash payout for whatever you want to do.
https://troo.life/faq/i-want-to-know-more-troo-prime-umbrella - MORE DETAILS

6. TROO CREDITCOVER
How old must I be to get Troo CreditCover?
You must be 21 to 50 years old. And you're covered until age 60.
For how much can I be covered?
Your Troo CreditCover will be based on your approved EastWest credit card limit, up to a maximum of
₱1Million for all your enrolled EastWest credit cards combined.
What am I covered for?
Upon receipt of your application form for existing cardholders and upon first usage for new cardholders,
you're covered for death due to natural causes, accidental death, and accidental disability.
https://troo.life/credit-cover-faq - MORE DETAILS

7. Protect
Renewable protection you can count on
Troo Protect is a yearly renewable insurance plan that can be linked to any bank-financed home
loan exclusive for Filinvest Land, Inc. properties.

How can I get Troo Protect?

If you’re 18 to 60 years old, you can easily get Troo Protect with your bank-financed home loan for your
purchased Filinvest Land, Inc. (FLI) property only. Just fill out the FLI purchase application and the Troo
application forms. Once your FLI property purchase is booked and Troo Protect approved, you’re good
to go. Enjoy hassle-free application for loans up to <₱3M>, no medical tests needed.
When will my Troo Protect cover start?
It will start on the same day your home loan is released from your Creditor-Bank. 
What is my coverage?
Your insurance coverage is based on your loan amount. This means that even as your loan balance
decreases over time, you’ll still be covered for the same amount from Day 1. You’re 100% covered* for
death due to natural causes or accidental death.
https://troo.life/products-protect- MORE DETAILS

8. LEGACY – for asset you’ll leave behind

NEW PLANS

1. Troo Flex
Your do-it-yourself insurance plan

 Customize your plan. Choose what you need. Pick what you want.

 Access it anytime, anywhere. After all, it's on your mobile through Komo app.

 Pay within your budget. Get insured for as low as ₱300 every year.

 What is Troo Flex?

 It’s your customizable digital insurance solution that’s exclusively available on the Komo app.  You
can design your protection plan and even make payments from your mobile phone. 
 What is Komo?
 Komo is a digital banking service by EastWest Rural Bank that allows you to open and manage
your accounts online.
 What do you mean by 'additional cover'?
 These are the riders you can attach to your plan. You can add any or all of these riders: Accidental
Disablement, Accidental Death, and Critical Illness.
 How much cover can I get?
 Get as much as ₱1 Million life cover with Troo Flex. 
 How do I know if I'm already covered?
 You’re insured on day one of your Troo Flex plan. It’s valid for one year and you can renew it
annually up to your 64th birthday. Just make sure you pay your premiums every year. You can
download a copy of your policy certificate from the Komo app. This serves as your proof of
coverage.
 How can I pay my premiums?
 It’s easy to make payments. Your Troo Flex annual premiums are debited from your Komo
account.

REQUIREMENTS:

1. Must be a Filipino citizen

2. 18-55 yrs old
3. Must have an active and approved kumu acc

1 person can avail up to 1,000,000 worth of insurance policies

Kaiser Troo Max

Your comprehensive health plan with life insurance cover

 Gain access to medical, health, and emergency care

 Get life cover of up to ₱1 Million should the worst happen

 Receive up to ₱1 Million extra cash for critical illnesses to cover the high cost of medication,
treatment, and recovery

https://www.komo.ph/help-insurance - FAQ

2. Kaiser Troo Max

Your comprehensive health plan with life insurance cover

 Gain access to medical, health, and emergency care

 Get life cover of up to ₱1 Million should the worst happen

 Receive up to ₱1 Million extra cash for critical illnesses to cover the high cost of medication,
treatment, and recovery
 joint solution with Kaiser International Health Group. It gives you the HMO coverage you need through
Kaiser, with the added benefit of life insurance and critical illness cover from Troo.
What critical illnesses does it cover?
Kaiser Troo Max covers the top three critical illnesses: cancer, heart attack, and stroke.
How much critical illness cover will I get?
Your critical illness coverage is equivalent to your life insurance cover. So, if you’re insured for ₱200,000,
you’ll get ₱200,000 if you get cancer, heart attack, or stroke.

3. Troo Health
Step into Health

 Life protection plus health care solution through our partnership with Kaiser International
HealthGroup, Inc.

 Give your family a lump sum cash benefit if you pass away.
 Get a discount* on a 2nd Troo Health policy onwards through our family cover.

Troo Health has three levels of insurance cover, each with its own set of benefits.

 Gold – up to 44 Critical Illnesses and a Maximum Benefit Limit of ₱200,000

 Silver – up to 19 Critical Illnesses and a Maximum Benefit Limit of ₱150,000

 Bronze - up to 12 Critical Illnesses and a Maximum Benefit Limit of ₱100,000

Does it come with a health membership card?

Our health solution partner, Kaiser International HealthGroup, Inc., will provide you the membership
card. You can also access your membership details on Kaiser’s online portal: 
https://opms.kaiserhealthgroup.net/

https://troo.life/static-assets/app/medias/Troo%20Health%20FAQs%2011232021.pdf

https://troo.life/ - WEBSITE