This document discusses the importance of a college education and STI's college education plan. It begins by outlining high paying jobs that typically require a college degree. It then discusses STI's education programs and campuses across the Philippines. The STI college plan provides guaranteed tuition coverage at STI, a first enrollment bonus, and insurance benefits including credit life, disability, accidental death and disability, and term life insurance. The plan ensures tuition is covered despite fee increases and provides money for other school expenses.

1. How Important
is a College
Education?

2. College Education
A child’s passport towards a successful and
comfortable life because it equips them with the
knowledge and skills needed for adulthood.
College education is a person’s vehicle towards
gainful employment making them responsible
and productive members of society.

3. TOP 10 HIGH PAYING JOBS IN
THE PHILIPPINES*
1.
2.
3.
4.
5.
6.
7.
8.
9.
Art director: P69,286 / month
Geologist: P64,889 / month
Aircraft pilot/navigator/flight engineer: P57,789 / month
Mining/metallurgical engineer: P55,638 / month
Computer programmer: P43,573 / month
Systems analyst/designer: P42,112 / month
Production supervisor/general foreman: P36,133 / month
Actuarian: P35,480 / month
Call center representative/customer service associate:
P35,424 / month
10. Statistician: P35,010 / month
“Labor Market Trends” December 2012: Bureau of Local Employment

4. LOCAL
EMPLOYMENT
 Arts and Sciences
 Information Technology (IT)
Courses
 Engineering Courses
 Business Management

5. EMPLOYMENT
OPPORTUNITIES ABROAD
 Hotel and Restaurant /
Hospitality
 Healthcare
 Engineering

6. HARD FACTS
• For every 100 students that enter gradeschool,
only 11 are able to graduate from college.
• The high cost of education in the Philippines is
the main reason why there is an increase in the
drop-out rate in the country.
• Every year, tuition fees increase an average of 5
to 15 percent*.
percent*
*Philippine Daily Inquirer – Article by Randell Tiongson, May 17, 2011

7. Why are tuition fees in the
Philippines high and why do
they continue to increase?

8. • Schools are business entities that incur regular
operational expenses.
• In order to continue providing quality education,
they need to generate enough income in order to
recover from all these expenses.
• What are these expenses?
• Faculty Staff
• Non-Teaching Personnel
• Facilities, Supplies and Equipment
• Maintenance of Facilities and Equipment
• Development of Facilities and Equipment
• Utilities, etc.

9. If these expenses continue to
rise, schools are also left with
no choice but to increase their
tuition fees.

10. How can Parents protect
themselves and their children
from tuition fee increases?
What Solution Should Parents
Turn To?

11. • A solution that does not require a large amount
of money immediately.
• A solution that is not affected by the increase in
tuition fee caused by inflation.
• A solution that will allow parents to realize their
children’s dream of getting high-paying jobs.
jobs
• A solution that is affordable but does not
sacrifice the quality of education given to their
children.

13. • Assures parents that they will no longer be
affected by tuition fee increases.
• Protects the future of our Planholders’
children from unforeseen events that may
happen.

14. STI and PhilPlans’
Memorandum of Agreement
STI guarantees that planholders of the STI Plan from
PhilPlans shall be protected against tuition fee
increases.

15. Systems Technology
Institute
• Established in 1983 with the mission
to train people in Programming and
Information Technology.
• In 2006, STI diversified its programs
to include Health, Arts, Business and
Management, Hospitality and
Culinary education.
• Now, STI is the Philippines’ leading
tertiary education provider with
approximately 67,361 students in 65
STI College campuses and 20 STI
Educational Centres nationwide.

16. STI Proposed Business
Centers

17. Proposed
STI Academic Center Cubao
Architect (concept): JSLA
General Contractor: MCDC
Construction Manager: CMGI
No. 156 P. Tuazon Blvd. cor.
5th Avenue, Brgy. Socorro,
Cubao, Quezon City
Lot Area: 3,768 sq. m.
Acquisition Price:
Php226M

18. Proposed
STI Academic Center Caloocan
Architect: JLSA
General Contractor: MCDC
Construction Manager: CMGI
Samson Road cor. Caimito
Road, Caloocan City
Lot Area: 15,495 sqm.
Acquisition Price: Php 254M

19. Proposed
STI Academic Center
Ortigas-Cainta
Architect (concept): WVCA
General Contractor: NGCB
Construction Manager: CMGI
Ortigas Avenue Extension,
cor. Hunter ROTC Avenue,
Cainta, Rizal
Lot Area: 39,880 sq. m.
Acquisition Price: Php291M

20. Proposed
STI Academic Center Las Piñas
Alabang Zapote Road,
Las Piñas City
Lot Area: 10,000 sqm.
Architect (concept): JLSA
General Contractor: NGCB
Construction Manager: CMGI

21. Proposed
STI Academic Center Calamba
National Highway,
Lecheria, Calamba City
Lot Area: Approx.
6,248.23 sqm.
Architect (concept): JSLA
General Contractor: NGCB
Construction Manager: CMGI

22. Proposed
STI Academic Center Lucena
Quezon Avenue, cor.
Don Perez St.,
Poblacion, Lucena
City
Lot Area: 4,347 sqm.
Architect: JSLA
General Contractor: MGCB
Construction Manager: CMGI

23. •Pioneered the Enrollment to Employment (E2E)
System.
- STI ensures that students get applicable
education, job market skills, job preparedness,
education
skills
preparedness
and job placement assistance.
assistance
- Students given the opportunity to undergo onthe-job training with some of STI’s reputable
partner companies.
companies
•The E2E System has redefined the landscape of the
education sector.

24. Programs Offered
• Information and Communications
Technology (ICT)
• Healthcare
• Business and Management
• Tourism and Hospitality Management
• Engineering
• Arts and Sciences
• Center of Arts

25. Programs Offered
1.
Information &
Communications
Technology
STI’s ICT programs
highlight the importance
of information and
communications
technologies for
business growth;
training you to develop
solutions through various
programming tools and
techniques.




Bachelor of Science in Computer
Science (BSCS)
Bachelor of Science in Information
Technology (BSIT)
2- yr. Associate in Computer
Technology (ACT)
2 - yr. Information Technology (IT)

26. Programs Offered
2. Healthcare
STI’s multidisciplinary approach to health
science education integrates learning from the
Humanities, Natural Sciences, Behavioral
Sciences, Health Science Theories and the use
of computer technologies in healthcare.
 Bachelor of Science in Nursing (BSN)
 2 - yr. Practical Nursing (PNP)

27. Programs Offered
3. Business & Management
Focused on building and strengthening management, entrepreneurship,
and ICT skills of students, the Business an d Management programs of
STI prepares them to face real life challenges in the global business
environment.
 Bachelor of Science in Business Management Major in
Operations (BSBM)
 Bachelor of Science in Office Administration with
Specialization in Customer Relation (BSOAC)
 Bachelor of Science in Accounting Technology (BSAT)
 Bachelor of Science in Business Administration (BSBA)

28. Programs Offered
4.
Bachelor of Science in Hotel &
Restaurant Management (BSHRM)
 Bachelor of Science in Tourism
Discover the world of
opportunities through
Management (BSTM)
STI’s Travel and Tourism
 Bachelor of Science in Travel
programs that cover
itinerary planning,
Management (BSTRM)
costing, marketing,
sales and tour guiding.
 Bachelor of Science in Culinary
Management (BSCM)
 3 - yr. Hotel & Restaurant Administration (HRA)
 2 - yr. Hospitality & Restaurant Services (HRS)
 2 - yr. Tourism and Events Management (TEM)
Tourism and
Hospitality


29. Programs Offered
5. Engineering
STI's Engineering
programs prepare
students to manage
areas in electronics,
data communications,
software development,
microprocessor systems
and robotics.


Bachelor of Science in Computer
Engineering (BSCOE)
2 - yr. Computer and Consumer
Electronics with Broadband
Technology (CCE)

30. Programs Offered
6. Arts & Sciences
Programs that develop interactive creations using combined forms
of various media - text, graphics, audio, and video. Students will be
taught creative principles from visual design to multimedia
production.


2 - yr. Multimedia Arts (MMA)
Bachelor of Arts in Communication Arts (ABCOMARTS)

31. Programs Offered
7. Center of Arts

32. Vision
To be the leader in innovative and relevant
education that nurtures individuals to
become competent and responsible
members of society.

33. Mission
An institution committed to
provide knowledge through the
development and delivery of
superior learning systems.

34. PhilPlans
MISSION:
We are committed to help Filipino families
secure their future through our financial
planning programs and services
VISION:
To be the most trusted pre-need company by
providing beneficial products and excellent
services to planholders sales partners and
employees.

35. Last 2012, PhilPlans had a consolidated Net
Income of Php 1.6 Billion with Total Maturity
Benefits Paid amounting to Php 2.2 Billion.
Billion
– Php 20 Million to Memorial Planholders
– Php 1.1 Billion to Pension Planholders
– Php 1 Billion to Education Planholders

36. A mission to help Filipino families
achieve their dream of securing the
future of their children through quality
education that is not affected by
inflation.

37. The key for your child’s bridge between dreaming and
living their dreams.

38. STI College Plan Overview
A child is expected to enter college at age
17.
17
Table from the Official Gazette: www.gov.ph

39. STI College Plan Overview
0-7 yrs.
old
Age of
Nominee
below 1 yr. old
1 yr. old
2 yr. old
3 yr. old
4 yr. old
5 yr. old
6 yr. old
7 yr. old
Years before
College
17 years
16 years
15 years
14 years
13 years
12 years
11 years
10 years
10 yrs 11 yrs 12 yrs 13 yrs 14 yrs 15 yrs 16 yrs 17 yrs
Maturity Period Options
the Planholder may choose a Maturity Date
between the 10th and the 17th Year

40. STI College Plan Overview
0
1
5
Guaranteed STI
Education Benefit
Paying Period
Options
Credit Life and
Disability (Waiver of
Installments)
Accidental Death
and Disability (200%
of PNP)
Term Life Insurance (100% of PNP)
Maturity
st
117Year
yrs
College
old
2nd Year
College
First Enrollment Bonus
3rd Year
College
• Metro Manila STI Branch =30% of PNP
• Provincial STI Branch = 40% of PNP
4th Year
College

41. Product Benefits
• Product Benefits
– Guaranteed STI College Education Benefit
– First Enrollment Bonus
• Insurance Benefits (for Planholder)
– Credit Life
– Disability Benefit
– Accidental Death and Disability
– Term Life Insurance

42. Product Benefits

43. Guaranteed STI College
Education Benefit*
Guaranteed coverage of tuition fees and
applicable miscellaneous fees, regardless of
the increase in tuition fees due to inflation,
upon enrollment in STI.
* The Planholder may enroll his/her Nominee within five (5) years starting from the Maturity Date. If the
Nominee does not enroll within the five year period, PhilPlans will return the amount of the PNP back to
the Planholder.

44. Guaranteed STI College
Education Benefit
• Tuition Fees (inclusive of Lecture Fees, NSTP, OJT and PE)
• Miscellaneous Fees*:
–
–
–
–
–
–
–
–
–
–
–
Instructional Materials & Equipment
Handbook
Identification Card
Insurance
Journal and Publications
Library Fee
Network Events Fee
Registration Fee
Software Licensing Fee
Student Development Fee
Student Services Fee
* All fees not included in the above list is not covered by the Plan.

45. First Enrollment Bonus
Fixed cash amount given to the Planholder
upon enrollment in STI. Amount of First
Enrollment Bonus is equivalent to:
– 30% of PNP if enrolled in any Manila STI Branch
– 40% of PNP if enrolled in any Provincial STI
Branch

46. First Enrollment Bonus
Example:
 4-Year College Program
 5-Pay; 17 yrs. to Mature
 PNP = Php 125,000
Manila
Province
30% of PNP
40% of PNP
Php 125,000 x 0.30 =
Php 125,000 x 0.40 =
Php 37,500
Php 50,000

47. First Enrollment Bonus
Example:
 2-Year College Program
 5-Pay; 17 yrs. to Mature
 PNP = Php 83,000
Manila
Province
30% of PNP
40% of PNP
Php 83,000 x 0.30 =
Php 83,000 x 0.40 =
Php 24,900
Php 33,200

48. Zoning
Metro Manila
STI College – Alabang
STI College – Caloocan
STI College – Cubao
STI College – Fairview
STI College – Global City
STI College – Las Piñas
STI College – Makati
STI College – Marikina
STI College – Muñoz-EDSA
STI College – Novaliches
STI College – Parañaque
STI Pasay
STI College – Quezon Avenue
STI College – Recto
STI College – Shaw
STI College – Taft
Northern Luzon
STI Alaminos
STI College – Angeles
STI College – Baguio
STI College – Balagtas
STI College – Balanga
STI College – Baliuag
STI Cauayan
STI College – Dagupan
STI Ilagan
STI Laoag
STI College – La Union
STI College – Malolos
STI College – Meycauayan
STI San Carlos
STI College – San Fernando
STI College – San Jose
STI College – Santiago
STI College – Sta. Maria
STI College – Tarlac
STI College – Tuguegarao
STI College – Vigan
Southern Luzon
STI College – Bacoor
STI College – Balayan
STI College – Batangas
STI College – Calamba
STI College – Dasmariñas
STI College – Legazpi
STI College – Lipa
STI College – Lucena
STI College – Naga
STI College – Ortigas-Cainta
STI College – Puerto Princesa
STI College – Rosario
STI College – San Pablo
STI College – Southwoods
STI College – Sta. Cruz
STI College – Santa Rosa
STI College – Tagaytay
STI College – Tanauan
STI College – Tanay
Visayas
STI Bacolod
STI College – Bacolod
STI Calbayog
STI College – Cebu
STI Dumaguete
STI College – Iloilo
STI College – Kalibo
STI Maasin
STI College – Ormoc
STI College – Tacloban
STI College – Tagbilaran
Mindanao
STI College – Cagayan De Oro
STI College – Cotabato
STI College – Davao
STI Digos
STI Dipolog
STI College – General Santos
STI College – Iligan
STI Kidapawan
STI College – Koronadal
STI Malaybalay
STI Ozamis
STI Pagadian
STI College – Surigao
STI San Francisco
STI College – Tacurong
STI Tagum
STI Valencia
STI College – Zamboanga

49. Product Benefits
Guaranteed STI
Education Benefit
Maturity
st
117Year
yrs
College
old
2nd Year
College
First Enrollment Bonus
3rd Year
College
• Metro Manila STI Branch =30% of PNP
• Provincial STI Branch = 40% of PNP
4th Year
College

50. Insurance Benefits
0
1
5
Guaranteed STI
Education Benefit
Paying Period
Options
Credit Life
Disability Benefit
Accidental Death
and Disability (200%
of PNP)
Term Life Insurance (100% of PNP)
Maturity
st
117Year
yrs
College
old
2nd Year
College
First Enrollment Bonus
3rd Year
College
• Metro Manila STI Branch =30% of PNP
• Provincial STI Branch = 40% of PNP
4th Year
College

51. Insurance Benefits for
the Planholder
• During Paying Period
– Credit Life
– Disability Benefit
– Accidental Death and Disability
• During Paying Period until before Maturity
– Term Life Insurance

52. Insurance Benefits
1 2 3 4 5
Paying Period
Credit Life
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000

53. Credit Life
Waiver of Installments
If the Planholder dies during the paying period
and before the attainment of age 65*, 100% of
the balance is fully paid.
* Actual Age

54. Credit Life
Planholder dies before paying
Remaining
the third installment
Balance is Paid
1 2 3 4 5
Paying Period
Credit Life
Balance is Paid Off
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000

55. Disability Benefit
1 2 3 4 5
Paying Period
Credit Life
Disability
Benefit
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000

56. Disability Benefit
Waiver of Installments
If the Planholder becomes totally or
permanently disabled** during the paying
period and before the attainment of age 65*,
100% of the balance is fully paid.
* Actual Age
**Subject to a 6-month observation period; disability claim must be filed within 180 days.

57. Disability Benefit
Planholder becomes Totally and Permanently
Remaining
Disabled before paying the Third Installment
Balance is Paid
1 2 3 4 5
Paying Period
Credit Life
Disability
Benefit
Balance is Paid Off
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000

58. Accidental Death and
Disability
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000
1 2 3 4 5
Paying Period
Credit Life
Balance is Paid Off
Disability
Benefit
Accidental Death
and Disability
Balance is Paid Off

59. Accidental Death and
Disability
In case of death or total and permanent
disability** of the planholder due to an
accident during the the paying period and
before the attainment of age 65*, the
65*
Planholder or his beneficiary will be entitled to
an amount equal to 200% of the PNP.
* Actual Age
**Subject to a 6-month observation period; disability claim must be filed within 180 days.

60. Accidental Death and
Disability
If Planholder dies or becomes Totally or
Permanently Disabled during the Paying Period
1 2 3 4 5
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000
Paying Period
Credit Life
Balance is Paid Off
Disability
Benefit
Accidental Death
and Disability
Balance is Paid Off
Php 250,000
will be given to the Planholder or his/her beneficiary

61. Term Life Insurance
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000
1 2 3 4 5
Paying Period
Credit Life
Balance is Paid Off
Disability
Benefit
Accidental Death
and Disability
Balance is Paid Off
Term Life Insurance

62. Term Life Insurance
In case of death of the planholder before
maturity and before the attainment of age
65*, his beneficiary will be entitled to an
amount equal to 100% of the PNP.
* Actual Age

63. Term Life Insurance
If Planholder dies due to Accident or Natural Causes during
the Paying Period and before Maturity
1 2 3 4 5
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000
17 Years
Paying Period
Term Life Insurance
Maturity
Php 125,000 will be given to the Planholder’s beneficiary
as Term Life Insurance

64. Insurance Benefits
Paying Period: 5-Pay
College Program: 4-Yr
Maturity: 17 yrs.
Annual Installment: Php 25,000
PNP: Php 125,000
1 2 3 4 5
17 Years
Paying Period
Maturity
Credit Life
Balance is Paid Off
Disability
Benefit
Accidental Death
and Disability
Balance is Paid Off
(200% of PNP) = Php 250,000
Term Life Insurance
(100% of PNP) = Php 125,000

65. Programs Available
Program
Maturity Period
2-Year Basic College
4-Year Basic College
10-17 yrs
10-17 yrs
Age of Nominee
Below 1
yr. old
1 yr. old
2 yrs.
old
3 yrs.
old
4 yrs.
old
5 yrs.
old
6 yrs.
old
7 yrs.
old
Maturity Period
17 years
16
years
15
years
14
years
13
years
12
years
11
years
10
years
17 years
-
Age of Child
=
Maturity

66. Available Plans
2 Year College
Years to
Mature
1 pay
Annual
PNP
4 Year College
5 pay
Annual
PNP
Years to
Mature
1 pay
Annual
PNP
5 pay
Annual
PNP
10
70,300
70,300
110,000
22,000
10
125,000
125,000
172,000
34,400
11
66,200
66,200
104,000
20,800
11
120,000
120,000
161,000
32,200
12
62,600
62,600
98,500
19,700
12
115,000
115,000
151,500
30,300
13
61,800
61,800
96,500
19,300
13
110,000
110,000
148,000
29,600
14
58,800
58,800
92,000
18,400
14
105,000
105,000
140,000
28,000
15
56,000
56,000
88,000
17,600
15
100,000
100,000
135,000
27,000
16
55,400
55,400
86,500
17,300
16
95,000
95,000
131,000
26,200
17
53,000
53,000
83,000
16,600
17
90,000
90,000
125,000
25,000
Amounts are exclusive of VAT

67. Paying Period and Payment
Mode Options
•Paying Period:
1-Pay and 5-Pay
•Payment Modes and Modal Factors
Mode of Payment
Annual
Semi-Annual
Quarterly
Monthly
•VAT = 5.88%
Modal Factor
1
0.525
0.267
0.09

68. Example
 PNP = Php 125,000
 Paying Period = 5-Pay
 Annual Installment = Php 25,000
Mode of
Payment
Annual
Semi-Annual
Quarterly
Monthly
Computation:
Annual
Installment
(PhP)
Modal Factor
VAT Rate
Modal
Installment +
VAT (PhP)
25,000.00
25,000.00
25,000.00
25,000.00
1
0.525
0.267
0.09
5.88%
5.88%
5.88%
5.88%
26,470.00
13,896.75
7,067.49
2,382.30
Annual
Installment
X Modal Factor X 1.0588
= Modal Installment
+VAT

69. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
5
Guaranteed STI
Education Benefit
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Accidental
Death and
Disability
(Php250,000)
Balance Paid
200% of PNP
Term Life Insurance (Php125,000)
*Amounts are inclusive of VAT
Maturity
Jan 1, 2030
1st Year
17 Years
College
2nd Year
College
First Enrollment Bonus
3rd Year
College
• Metro Manila STI Branch = PHP 37,500
• Provincial STI Branch = PHP 50,000
100% of PNP
4th Year
College

70. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
If Planholder dies during the Paying Period
(Dec 31, 2013):
• Due to Accident:
o Credit Life: Unpaid Balance Waived
o AD&D: 200 % of PNP
o Term Life: 100 % of PNP
5
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Php 125,000
-
Accidental
Death and
Disability
Php 125,000
X 200 % =
Term Life Insurance
*Amounts are inclusive of VAT
Php 25,000
Php 125,000
X 100 %
=
Php 100,000
Amount
Php 100,000 Paid Off Waived
Balance is
Php 250,000
Given to Beneficiary
Php 375,000
Amount given to to Beneficiary
= Php 125,000 Given Beneficiary

71. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
If Planholder dies during the Paying Period
(Dec 31, 2013):
• Due to Natural Death:
o Credit Life: Unpaid Balance Waived
o Term Life: 100 % of PNP
5
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Php 125,000
-
Php 25,000
=
Php 100,000 Balance is Paid
Off
Off
Accidental
Death and
Disability
Term Life Insurance
*Amounts are inclusive of VAT
Php 125,000
X 100 %
= Php 125,000 Given to Beneficiary

72. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
5
If Planholder dies after the Paying Period and
Before Maturity (Dec 31, 2029):
• Due to Accident or Natural Death:
o Term Life: 100 % of PNP
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Maturity
17 Years
Jan 1, 2030
Credit Life and
Disability
Accidental
Death and
Disability
Term Life Insurance
*Amounts are inclusive of VAT
Php 125,000
X 100 %
= Php 125,000 Given to Beneficiary

73. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
If Planholder becomes TPD during the Paying
Period (Dec 31, 2013):
• Due to Accident:
o Disability Benefit: Unpaid Balance Waived
o AD&D: 200 % of PNP
5
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Php 125,000
-
Accidental
Death and
Disability
Php 125,000
X 200 % =
Term Life Insurance
*Amounts are inclusive of VAT
Php 25,000
=
Php 100,000
Php 250,000
Balance is Paid
Off
Given to the Planholder

74. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
If Planholder becomes TPD during the Paying
Period (Dec 31, 2013):
• Due to Natural Causes:
o Disability Benefit: Unpaid Balance Waived
5
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Php 125,000
Accidental
Death and
Disability
Term Life Insurance
*Amounts are inclusive of VAT
-
Php 25,000
=
Php 100,000
Balance is Paid
Off

75. Benefits Summary
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
5
Guaranteed STI
Education Benefit
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Accidental
Death and
Disability
(Php250,000)
Balance Paid
200% of PNP
Term Life Insurance (Php125,000)
*Amounts are inclusive of VAT
Maturity
Jan 1, 2030
1st Year
17 Years
College
2nd Year
College
First Enrollment Bonus
3rd Year
College
• Metro Manila STI Branch = PHP 37,500
• Provincial STI Branch = PHP 50,000
100% of PNP
4th Year
College

76. Target Market

77. Who is your Target
Market?
Young Couples
•Ideal age: 25-45 years old
•Ideal combined gross monthly income:
PhP 36,000+

78. How do you Position?
Product Highlights
– Guaranteed Inflation-Free
Education
• STI Education Benefit
• First Enrollment Bonus
– Protection for Planholder

79. Other Features

80. Acceptance Age
With Insurance
Benefit (WIB)
No Insurance Benefit
(NIB)
18 – 64 years old*
18 – 99 years old
In good health
Note: A Planholder with insurance benefits will undergo a 1-Year Contestability.
*Actual Age

81. Incontestability
Death due to Health Reasons
• The Insurer conducts an investigation if death occurs
within one (1) year from the plan effective date.
• Provides the Insurer the right to deny claims due to
concealment of facts on the application.
Contestability Period
EFFECTIVITY DATE
January 1, 2013
1 YEAR FROM EFFECTIVITY DATE
December 31, 2013
The insurer can no longer contest claims after the plan has remained in force for (1) year except
for gross fraud.

82. Transferability
• All rights and privileges of a plan may
be transferred to another person,
subject to the following conditions:
– Plan must be in force
– Request in writing (Standard Company Form)
– New Application form

83. Change of Nominee
• The Planholder may choose to change
the Nominee any number of times
subject to the following conditions:
– Plan must be in force
– Request in Writing
– Maturity Date will be the same

84. Grace Period*
A plan with unpaid installments is given 60
days as Grace Period to become current
without surcharges.
*During this period, the plan is considered delinquent but the PH is still covered by all insurance riders, if any, within the 60
days.

85. Plan Termination Value*
(PTV)
If the planholder cannot continue to pay for
the plan, he may opt to terminate the plan.
He can surrender his plan under the provision
called the Plan Termination Value, which is
included in the Plan Contract.
*The option to get the Plan Termination Value is only available if the Plan is in-force.

86. Quick Paid-Up Status*
Refers to a Lapsed Plan that has a Plan
Termination Value. A plan is deemed
Lapsed if installments are left unpaid after
Grace Period.
*As soon as the Plan reaches the Quick Paid Up status the PH is no longer covered by any insurance rider.

87. Quick Paid-Up Status*
• As soon as the Plan enters a Quick-Paid-Up
Status, the Planholder is left with the option
to:
1. Reinstate the plan
2. Quick Paid-Up Benefit
3. Reduced Maturity Benefit

88. 1. Reinstatement
A plan with unpaid payments after the grace
period is considered Lapsed*.
The Plan may undergo Pure Reinstatement if
all overdue installments are paid with
surcharge at the prevailing rate, plus fees and
other charges.
*Once the plan is considered lapsed , the PH is no longer covered by any insurance rider. Coverage will resume upon
Reinstatement and the Planholder will undergo a 1-year contestability period.

89. 2. Quick Paid-Up Benefit
The amount of Plan Termination Value, if
already available at the time the plan has
lapsed, plus any accumulated interest prior to
Maturity.
*Once the Quick-Paid Up Benefit has been availed by the Planholder, the Plan Contract is deemed cancelled.

90. 3. Reduced Maturity
Benefit
The amount of Plan Termination Value, if
already available at the time the plan has
lapsed, plus accumulated rate, if any, from
time the plan has lapsed until Maturity.

91. Reinstatement and Quick
Paid-Up Overview
Maturity
Date
Last
Due Date
Quick Paid-Up Status
60 Days
Grace Period
DELINQUENT
2 Years
Reinstatement Period
LAPSED
Quick Paid-Up Benefit
Reduced
Maturity Benefit
Note: the Planholder will undergo 1 year contestability after Reinstatement

92. Potential Income

93. Commission Rates
For 5-Pay
Year 1
Year 2
20% of FYP 5% of 2YP
Basic Commission
5% of FYP
N/A
Agent Bonus
N/A
Productivity Bonus* 5% of FYP
*For every 4 Plan Count or PhP50,000 FP (cumulative) validated every month

94. Sample Computation:
5-Pay; 10 yrs. to mature*
STI Plan: 5-Pay ,
Program: 4-Yr College Program; 10 yrs. to Mature
PNP = Php172,000
Annual Installment of Php34,400
GROSS BASIC
COMMISSION
LESS
NET BASIC
COMMISSION
1,376 .00
5,504.00
YEAR 1
Basic Commission
6,880.00
Agent's Bonus
Productivity Bonus
Total
1,720.00
1,720.00
10,320.00
(15% TAX + 5% CBR)
516.00
(15% TAX)
1,892.00
2,924.00
8,428.00
YEAR 1 POTENTIAL NET INCOME
8,428.00
YEAR 2
Basic Commission
1,720.00
344.00
(15% TAX + 5% CBR)
1,376.00
YEAR 2 POTENTIAL NET INCOME
POTENTIAL NET INCOME
*With the assumption that the Sales Counsellor has sold 4 plans
1,376.00
9,804.00

95. Sample Computation:
5-Pay; 17 yrs. to mature*
STI Plan: 5-Pay ,
Program: 4-Yr College Program; 17 yrs. to Mature
PNP = Php125,000
Annual Installment of Php25,000
GROSS BASIC
COMMISSION
LESS
NET BASIC
COMMISSION
1,000.00
4,000.00
YEAR 1
Basic Commission
5,000.00
Agent's Bonus
Productivity Bonus
Total
1,250.00
1,250.00
7,500.00
(15% VAT + 5% CBR)
750.00
(15% VAT)
1,750.00
1,750.00
5,750.00
YEAR 1 POTENTIAL NET INCOME
YEAR 2
Basic Commission
5,750.00
1,250.00
250.00
(15% VAT + 5% CBR)
1,000.00
YEAR 2 POTENTIAL NET INCOME
POTENTIAL NET INCOME
*With the assumption that the Sales Counsellor has sold 4 plans
1,000.00
6,750.00

96. Commission Rates
For 1-Pay
Year 1
Basic Commission
Agent Bonus
5% of FYP
5% of FYP

97. Sample Computation:
1-Pay; 10 yrs. to mature
STI College Plan: 1-Pay
Program: 4-Yr College; 10 yrs to Mature
PNP = Php125,000
GROSS BASIC
COMMISSION
LESS
NET BASIC
COMMISSION
1,250.00
5,000.00
Basic Commission
6,250.00
Agent's Bonus
6,250.00
937.50
Total
12,500.00
2,187.50
POTENTIAL NET INCOME
(15% TAX + 5% CBR)
(15% TAX)
5,312.50
10,312.50
10,312.50

98. Sample Computation:
1-Pay; 17 yrs. to mature
STI College Plan: 1-Pay
Program: 4-Yr College; 10 yrs to Mature
PNP = Php125,000
GROSS BASIC
COMMISSION
LESS
NET BASIC
COMMISSION
Basic Commission
4,500.00
900.00
3,600.00
Agent's Bonus
4,500.00
675.00
Total
9,000.00
1,575.00
POTENTIAL NET INCOME
(15% VAT + 5% CBR)
(15% VAT)
3,825.00
7,425.00
7,425.00

99. FAQs
• Upon application, can a planholder get a plan without a
nominee?
– Yes.
• If my nominee has a plan, does it mean they have a sure
seat on the STI Branch they prefer to enroll in?
– Yes, as long as they take STI’s admission exam.
• Does the plan cover all courses offered by STI?
– Yes.

100. FAQs
• What if the Nominee is unable to enter college upon
maturity, can he/she still use the plan once he decides to
start college?
– Yes, as long as he/she enrolls within the 5-year window.
• What is the 5-year window?
– The Planholder is given within five (5) years from the Maturity
Date to enroll his/her Nominee at any STI School. The plan
must be fully utilized within eight (8) years from the time of
the Plan’s maturity.

101. FAQs
• What happens if the Nominee does not enroll at STI?
– PhilPlans will return the amount of the Pre-Need Price to the
Planholder.
– The First Enrollment Bonus is forfeited.
• If the nominee enrolls and finishes a 2-yr College Course
but his plan is for a 4-yr College Course, what happens to
the unused portion of the plan?
– The Redemption Value of the unused portion of the plan will
be returned to the Planholder.

102. FAQs
• How much is the Redemption Value?
– Fixed Redemption Values are reflected on the Memorandum of
Agreement between PhilPlans and STI.
• If the nominee stops studying during availment, will the
plan still cover the remaining years/semesters when
he/she decides to continue his/her studies at STI?
– Yes, as long as the nominee completes the course within eight
(8) years from maturity.

103. FAQs
• What happens to the unused portion of the plan if the Nominee is
unable to finish his course within 8 years from maturity.
– The Redemption Value of the unused units and/or semesters will be given
to the planholder.
• If the nominee decides not to take a particular subject during a
semester, will the plan still cover the units for that subject once
he/she decides to take it?
– The plan education benefit shall only cover a standard full load of units per
semester according to the assigned curriculum. Should a Student fail to
utilize the full load of units in any semester, the unused unit allocation shall
be forfeited. Also, any additional units that a student wishes to take during
any semester shall be for his/her own account.

104. FAQs
• What if the nominee fails a subject, will the plan still cover the
units in case he/she retakes the subject?
– Yes, as long as the total units that the Nominee take does not exceed the
full load of units allowed for his course curriculum for that semester.
• What if the nominee transfers from one STI Branch to another?
Will the STI Education Benefit be affected?
– No. If the nominee transfers to another STI School regardless of tuition fee
rates between the two branches, NEITHER the PH nor nominee is required
to pay the difference.

105. Advantages of Having
an STI College Plan
• Guaranteed STI Education (for the
Nominee)
 Not affected by Tuition Fee Increase
 Quality Education
 Opportunity to choose from a wide
range of Career Programs that offer the
most in-demand courses here and abroad
 Enrollment to Employment
Opportunities
• Insurance Protection (for the Planholder)

107. How To Sell

108. 4-Yr College Program
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
Metro Manila
5
Guaranteed STI
Education Benefit
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Accidental
Death and
Disability
Balance Paid
PhP 250,000
Term Life Insurance
*Amounts are inclusive of VAT
PhP 125,000
Maturity
Jan 1, 2030
1st Year
17 Years
College
2nd Year
College
First Enrollment
Bonus
PhP 37,500
3rd Year
College
4th Year
College

109. 4-Yr College Program
Plan Effectivity Date: Jan 1, 2013
Program: 4-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php26,470*
PNP: Php 125,000
1
Province
5
Guaranteed STI
Education Benefit
Php26,470* Php26,470* Php26,470*
Php26,470* Php26,470*
Credit Life and
Disability
Accidental
Death and
Disability
Balance Paid
PhP 250,000
Term Life Insurance
*Amounts are inclusive of VAT
PhP 125,000
Maturity
Jan 1, 2030
1st Year
17 Years
College
2nd Year
College
First Enrollment
Bonus
PhP 50,000
3rd Year
College
4th Year
College

110. 2-Yr College Program
Plan Effectivity Date: Jan 1, 2013
Program: 2-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php17,576.08*
PNP: Php 83,000
1
Metro Manila
5
Guaranteed STI
Education Benefit
Php17,576.08* Php17,576.08* Php17,576.08*
Php17,576.08* Php17,576.08*
Credit Life and
Disability
Accidental
Death and
Disability
Balance Paid
PhP 166,000
Term Life Insurance
*Amounts are inclusive of VAT
PhP 83,000
Maturity
Jan 1, 2030
1st Year
17 Years
College
First Enrollment
Bonus
PhP 24,900
2nd Year
College

111. 2-Yr College Program
Plan Effectivity Date: Jan 1, 2013
Program: 2-yr College
Pay Period: 5 Years
Maturity: 17 yrs
Mode: Annual
Annual Installment: Php17,576.08*
PNP: Php 83,000
1
Province
5
Guaranteed STI
Education Benefit
Php17,576.08* Php17,576.08* Php17,576.08*
Php17,576.08* Php17,576.08*
Credit Life and
Disability
Accidental
Death and
Disability
Balance Paid
PhP 166,000
Term Life Insurance
*Amounts are inclusive of VAT
PhP 83,000
Maturity
Jan 1, 2030
1st Year
17 Years
College
First Enrollment
Bonus
PhP 33,200
2nd Year
College