BDO Life hotline, claims and licence
BDO Life Assurance Company, Inc. is a life insurance company. It was formerly Generali Pilipinas Life Assurance Company, Inc.. One other company on the IC lists shares the name, each with its own licence.
Licensed. Certificate of Authority no. 2025/04-R.IC life insurer list dated Aug 31, 2026. Its 2025 premium income of ₱22.8 billion ranks 7th of the 33 companies in the IC's premium table. That is 5.6% of the ₱403.2 billion all life insurers collected in 2025 (₱22.8 billion ÷ ₱403.2 billion, IC premium table). 1,262 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 14th most of the 34 companies licensed to sell life insurance.
- BDO Life Customer Care Hotline(+632) 8800-0555
- PLDT Toll-Free1800-1888-6603
BDO Life hotline and claims
| we-care@bdolife.com.ph |
From BDO Life's contact page.
- Fill in the online BDO Life claim form.
- A BDO Life Claims Specialist contacts you about the requirements for your claim.
- Claim refused: you can file it with the IC instead of a court when it is ₱5,000,000 or less per claim (the limit since the 2013 amendment of the Insurance Code), not counting interest, costs and lawyer's fees. Either side can appeal to the Court of Appeals within 30 days.Insurance Code sec. 439
- If BDO Life becomes insolvent: the IC's Security Fund pays allowed claims left unpaid, up to ₱20,000 per claim under the Insurance Code as amended in 2013.Insurance Code sec. 378
Complaints
- Write to BDO Life first. Put the policy or plan number, what happened and what you want in one letter or email, and keep proof of the date.
- Then go to the Insurance Commission. The IC takes requests for assistance on claims and complaints through its public assistance forms, by email to publicassistance@insurance.gov.ph or by phone on (02) 8523-8461 local 103 or 127.
- Report anyone selling without a licence to the IC Regulation, Enforcement and Prosecution Division, repd@insurance.gov.ph.
BDO Life products and plans
- Protection
- Education
- Health
- Savings
- Retirement
- Estate Planning
- Group Insurance
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 1,262 |
|---|---|
| Agents with a life licence | 1,260 |
| Agents with a variable life (vul) licence | 1,053 |
| Premium income, 2025 (IC) | ₱22.8 billion, rank 7 of 33 |
This company shares the BDO Life name but hold separate licences. Your contract shows which one you deal with.
| BDO INSURANCE AND REINSURANCE BROKERS, INC. | insurance broker, IB-15-2025-R |
|---|
Company details
- Licensed company
- BDO Life Assurance Company, Inc.
- Certificate of Authority
- 2025/04-R
- Former name
- Generali Pilipinas Life Assurance Company, Inc.
- Head office
- 30/F BDO Life Megaplaza, 358 Gil Puyat Avenue, Makati City
- Official website
- bdo.com.ph
- Licensed for: life insurance. Variable life (VUL) may be sold only by an agent with a variable contract licence; 1,053 of BDO Life's agents hold that licence.Insurance Code sec. 316
- Not licensed for: car, property and other non-life cover. Those come from the non-life list.
How tax applies to the policy
- Death benefit: proceeds paid to heirs or beneficiaries when the insured dies are not taxable income. Interest the insurer pays on proceeds it keeps for you is taxable. See income tax calculator.NIRC Sec. 32(B)(1), in force since Jan 1, 1998
- Estate tax: proceeds on your own life count in your gross estate when they are paid to your estate, or to a beneficiary you can still change. They stay out when the policy names the beneficiary as irrevocable. See estate and estate tax.NIRC Sec. 85(E), in force since Jan 1, 1998
- Premiums returned to you: the premiums you paid, returned during the term, at maturity or when you surrender a life, endowment or annuity policy, are not taxable income. See income tax calculator.NIRC Sec. 32(B)(2), in force since Jan 1, 1998
- Worked example: a ₱1,000,000 death benefit paid to a beneficiary the insured could still change. Income tax on it: ₱0 (Sec. 32(B)(1)). It adds ₱1,000,000 to the gross estate (Sec. 85(E)); once the estate's deductions are used up, that is ₱60,000 more estate tax at 6% (Sec. 84). Paid to an irrevocable beneficiary, it adds ₱0.
Before you sign or pay
- Match the company and number. Your policy should name BDO Life Assurance Company, Inc. and the licence number shown at the top of this page.
- Check the agent. Search their name in the agent check; the result should show BDO Life Assurance and a licence end date that has not passed.
- Pay BDO Life Assurance, not a person. Keep the official receipts issued in BDO Life Assurance's name.
Questions
Is BDO Life legit?
Yes. BDO Life Assurance Company, Inc. is licensed by the Insurance Commission (licence 2025/04-R). A genuine policy names BDO Life Assurance Company, Inc. and that number.
What is the BDO Life hotline?
(+632) 8800-0555 (BDO Life Customer Care Hotline), or 1800-1888-6603, as printed on bdo.com.ph.
How do I file a claim with BDO Life?
Start from the claims page on bdo.com.ph, which lists the forms and documents for each claim type. If BDO Life refuses a claim of ₱5,000,000 or less, you can file it with the Insurance Commission instead of a court (Insurance Code sec. 439).
Does BDO Life sell VUL?
Yes. 1,053 of its agents hold the variable contract licence needed to sell VUL (Insurance Code sec. 316), on the IC agent lists of Sep 25, 2026.
Is BDO Life the same company as Generali Pilipinas Life Assurance Company, Inc.?
Yes. The IC list prints Generali Pilipinas Life Assurance Company, Inc. as its former name, so policies issued under that name sit with BDO Life Assurance Company, Inc.