Philam Plans Free Insurance - A Marketing Scam? |

Philam Plans Free Insurance – A Marketing Scam?

This post is based on personal experience. You should verify the credibility of any insurance agents from any insurance companies.

Last week I received a call from Philam Plans Philippines. The call was not really mine but for my mother. However she was not around that time so I answered for her.

An agent of Philam Plans Cubao told me that my mother qualifies for a Philam Plans Free Insurance. Yes, he said it is for free. Of course I did not bite the bait because there are no real free things in this world except death. Sorry he can’t fool me. I asked the guy how he was able to obtain information about my mom and our phone number and he said it was through referral, pretty neat huh.
The Phialm Plans Free Insurance supposedly covers accidental and death insurance for my mom up to age 60. Now this is truly unbelievable and is not a good script. How can one Insurance company, a giant, can afford to provide Free insurance when all other companies have been closing due to bankruptcy. I asked again the guy how they can do this and told me that it is just Philam’s marketing strategy to prove that they are stable unlike other insurance companies. Makes sense but I still didn’t buy it. Luckily I was able to ask my uncle who had the same call but he went to Philam Plans Makati to get his free insurance. It was indeed true according to him but the worth of his certificate was only P30,000 valid for 30 days. What the F! 30 days? What will happen to you in 30 days? Unless you inject yourself with a concentrated dengue concoction or extend your limbs beyond MRT’s yellow line then you can use the 30K smiling.
These Philam Insurance Agents are desperate. They should have created a better script. My uncle regretted going to Philam Plans Makati. It was not worth his time and gas. In the end, I did not claim my mother’s Philam Plans Free Insurance. I told this to my mother and she was also anxious to claim it. I was asked to bring my credit card and 2 IDs for identification. Only fools will bite this setup. I am pretty sure once I get to the office, they will simply ask for referrals and the cycle goes on. Do not get carried away with free offers, they are merely tools for marketing.


  1. Dati i remember, somebody called me na parang they offer scholarship.. pero di ko na rin siya pinuntahan.. the office is in makati too..

    Anyway, gud day bro..
    .-= [Rian]´s last [article] ..[post] =-.

    Comment by Joliber — November 28, 2009 @ 11:52 am

  2. kaso nadale ako jan…ewan ko ba bakit……katangahan lang tlaga…naswipe ang card ko ng 11thousand..marefund pa kaya un? hay naku! nadala ako sa kanila next offer ung prodigy educational plan na pwede daw savings..may pinapirma pa na life insurance..wala na man akong natangap na policy sa life insurance…i-mail lang daw…ang dumating ung purely educational plan lang…

    Comment by eight — March 3, 2010 @ 3:43 pm

  3. Nakakatakot talaga yung sinabi nilang dalhin ko pa yung credit cards ko for verification purposes lang daw. Bakit hindi ba pwede ang driver’s license and sss id? bakit credit cards pa? kaya nagtaka talaga ako. Pwede marefund yun sabihin mo agad sa credit card company, pero ideally marerefund sya after 24 hours reporting tsaka ipakita mo yung charge slip. Hope this helps.

    Comment by riantalk — March 3, 2010 @ 11:34 pm

  4. sna po ma2lungan nyo aq s problema k s insurance ng mama ko. 1 year n po mahigit ng mapatay ang mama ko wla po aqng nkuha kc nloko sya ng ngackso ng papers nya. ano po ang pwede nyong maitulong s akin. wla pong mkatulong skin ulila n po ako. God bless.

    Comment by — July 20, 2010 @ 3:29 pm

  5. my plan ang family ko sa philam. i am just not sure if it’s a preneed one.
    so far okay naman. although minsan kinakabahan ako, we all know naman ta crisis na pinagdaanan ng AIG.

    sa case namin, walang credit card na hiningi. wala rin silang mahihingi kasi wala talaga kaming credit card. comply lang sa requirements and paid yearly i think..

    also, last 2008, nagkaproblema kami sa pera and what’s nice ay nakaloan sila gamit ang naibayad nila. immediately nila nakuha yun. parang life saver talaga..

    their plans will mature nga lang in around 8 years pa i think. and sana stable talaga tong company na to till that years.

    sana maokay na ang may problem. 😀

    Comment by april — August 6, 2010 @ 10:41 am

  6. nakakuha din ng ganyang call misis ko today. August 10 2010 na, if I look at your thread, it was way back November 20, 2009. Thanks for your post. We will not visit Philam Angeles at all. =)

    Comment by Sinnedo — August 10, 2010 @ 10:48 am

  7. Hi Sinnedo,
    I do not actually say na dubious yung call kasi this is only based on my own experience. Pero sa tingin ko magandang company ang Philam, yung way lang ng agents nila ang nakakaduda hehe.

    Comment by riantalk — August 10, 2010 @ 11:15 am

  8. hello sa inyong lahat, Legal at lehitimong FREE health or accident insurance ang nais ng philam plans company. Oo po.. Totoong totoo po at Legal ang FREE sila na manggoyo para sa “marketing” at meron porsyento sa bawat mahatak na kliyente..? nagtatanong lang po bka mademanda pa ako ng libelo “giant” ang mkakabangga, salamat po sa mga comments dito, hanggang dito na lang po takut aku mademanda babay po.. -c”,)

    Comment by bidy — September 14, 2010 @ 5:30 pm

  9. hahaha! kami rin nka tanggap ng call sa PhilAm Life, kakakabit lang ng new PLDT landline namin lastwek ppno nila nahulaan yung new # namin, hahaha!! nagtalo pa kami.. LoL

    Comment by Blue — April 5, 2011 @ 9:58 am

  10. may philam plans educational insurance ang aking anak fully paid na nung 2001 this school year college na sya gusto ko na asikasuhin yung insurance na yun para magamit ng anak ko, kaso di ko alam kung saan na yung office nila at anong phone numbers, pls baka matulungan nyo ako, sayang naman kung di ko magamit educational insurance mahal pa naman tuition fee ng college tnx

    Comment by lisa pandela — April 6, 2011 @ 9:21 pm

  11. Hi Lisa,
    You may call (632) 528-2000 Mon-Fri 8-5pm

    Comment by riantalk — April 6, 2011 @ 10:31 pm

  12. May tumawag sa akin din sabi d daw sila connected sa Philamlife dati raw under Philamlife sila pero Philamplans na daw sila huh? D ako tinantanan. Medyo threatening pa. Ganun din ang talk sa akin baka raw may friends or relatives ako o credit card na nagsuggest sa akin. Ang kaso ang tinawagan nilang no. d alam ng kahit sinong relative ko. Back up no. ko lang at lalong d alam ng mga banks.

    Comment by Emenem — May 17, 2011 @ 1:04 pm

  13. Hi, they also tried to fool me….saan ka naman nakakita ng free insurance daw at 30 lang kami sa Pilipinas na nabigyan…then pinipilit nila akong dumalaw sa office nila and please bring your credit card and two valid ID for verification….nagalit pa ng ayaw kung kunin yung policy nila…ayaw padala gusto nila claim sa office…..beware of this scam….senator Miriam for your appropriate action please…..thanks..

    Comment by John b — June 11, 2011 @ 1:14 pm

  14. It’s a PURE SCAM.  after offering “free insurance” meron pa silang other offer.  gustong gusto nila yung may credit card and will apply daw for the second offer na pinapalabas nilang today’s offer lang na parang your saving money in the bank with big interest and insurance.  i refused the offer papadala daw nila yung free insurance after a week. changed my credit card to be safe. it’s been months heard nothing from them.

    Comment by Ninja_girl08 — August 8, 2011 @ 7:11 am

  15. Ninja,
    That’s why I did not opt to avail their 30 day insurance because they are asking me to bring my credit cards. Something scary.

    Comment by Anonymous — August 9, 2011 @ 5:50 am

  16. philam plans is not connected with philam life. As far as i know Philam Plans was sold to another company. Philam Life has been the largest insurance company for over 60 years. They will not in anyway tarnish their very good reputation just for these bunch of losers. Credit card payment is not accepted with your initial payment with Philam Life. But if talagang taga Philam Life sila pls do report them sa call center para matanggal yun mga agents. its 528-2000

    Comment by Kevsky — August 19, 2011 @ 9:46 am

  17. you can see the glow in their face when they know you have a credit card

    Comment by Ninja_girl08 — August 26, 2011 @ 2:10 am

  18. Tin,
    I’m not sure kung same sila ng Philfirst. Pero yung experience ko dati is with PhilAm Plans

    Comment by Anonymous — December 29, 2011 @ 9:55 am

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