Pioneer Life, Inc. has introduced LifeFORWARD+, a traditional life insurance plan that policyholders in the Philippines can customize with the company's new MedSafe Benefit — an optional rider designed to help cover qualified medical expenses that may exceed typical HMO (health maintenance organization) limits. Riders are add-ons attached to a base policy, allowing buyers to extend protection into areas the core plan does not cover. By attaching the rider to the base plan, families can better protect their savings and focus on recovery instead of medical bills, according to the insurer.

LifeFORWARD+ also includes a built-in Living Care Benefit, which extends financial support while the insured is still living. Benefits of this kind — paid during the policyholder's lifetime rather than after — are commonly described in the industry as living benefits. If the insured is diagnosed with a terminal illness, they may receive 50% of the policy's coverage amount in advance. Pioneer said the benefit is intended to help policyholders put important matters in order, spend meaningful time with those who matter most, and face whatever comes next, good or bad.

The plan is available at a minimum annual premium of P15,000, with flexible payment terms of five, 10, and 20 years. The differing terms affect how long premium payments run, a factor households typically weigh when budgeting for coverage.

"We all want to live life at its fullest," said Leslie Bryan Chua, Senior Vice-President and Broad Agents Channel Head at Pioneer Life, Inc. "Part of that is having the right plan that can help secure our physical and financial well-being, so that when challenges come, families can keep saying yes to what life has to offer."

He added: "When life takes an unexpected turn, timely financial support can help families regain control. Through LifeFORWARD+, together, we can empower our clients to embrace life as it goes on."

The launch reflects the company's observation that while people readily plan, save, and work hard for the moments they look forward to — more places to see, milestones to celebrate, and everyday moments spent with loved ones — protecting their health and finances can take a back seat until the need becomes immediate.

At a time when families are weighing more carefully where their hard-earned money goes, the insurer said, knowing what they can count on matters. LifeFORWARD+ offers guaranteed benefits and, according to Pioneer, underscores its commitment to providing relevant solutions for Filipinos.

Those interested in learning more about Pioneer LifeFORWARD+ may reach out to a Pioneer Financial Planner or visit