BPI AIA hotline, claims and licence
BPI AIA Life Assurance Corporation is a life insurance company. It was formerly BPI-Philam Life Assurance (BPLAC) Corporation. One other company on the IC lists shares the name, each with its own licence.
Licensed. Certificate of Authority no. 2025/11-R.IC life insurer list dated Aug 31, 2026. Its 2025 premium income of ₱20.1 billion ranks 8th of the 33 companies in the IC's premium table. That is 5.0% of the ₱403.2 billion all life insurers collected in 2025 (₱20.1 billion ÷ ₱403.2 billion, IC premium table). 3,536 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 10th most of the 34 companies licensed to sell life insurance.
- Call us(02) 8528-5501
- Call us(02) 8528-5477
BPI AIA hotline and claims
From BPI AIA's contact page.
- Choose the claim type (accident, illness, or death) and fill out the online form.
- Upload clear copies of the requirements and choose how to receive the payout.
- Get a reference number to track the claim; updates come by SMS and email.
- Bancassurance Sales Executives at BPI branches can also help you file.
- 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 BPI AIA 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 BPI AIA 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.
BPI AIA products and plans
- Business Owner Solutions
- Large Corporation Solutions
- Protection
- Health
- Savings
- Insurance with Investment
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 3,536 |
|---|---|
| Agents with a life licence | 3,521 |
| Agents with a variable life (vul) licence | 3,085 |
| Premium income, 2025 (IC) | ₱20.1 billion, rank 8 of 33 |
This company shares the BPI AIA name but hold separate licences. Your contract shows which one you deal with.
| BPI/MS Insurance Corporation | non-life insurer, 2025/18-R |
|---|
Company details
- Licensed company
- BPI AIA Life Assurance Corporation
- Certificate of Authority
- 2025/11-R
- Former name
- BPI-Philam Life Assurance (BPLAC) Corporation
- Head office
- 15th Floor, BPI-Philam, 6811 Ayala Avenue, Makati City, 1226
- Official website
- bpi-aia.com.ph
- Licensed for: life insurance. Variable life (VUL) may be sold only by an agent with a variable contract licence; 3,085 of BPI AIA'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 BPI AIA Life Assurance Corporation 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 BPI AIA Life Assurance and a licence end date that has not passed.
- Pay BPI AIA Life Assurance, not a person. Keep the official receipts issued in BPI AIA Life Assurance's name.
Questions
Is BPI AIA legit?
Yes. BPI AIA Life Assurance Corporation is licensed by the Insurance Commission (licence 2025/11-R). A genuine policy names BPI AIA Life Assurance Corporation and that number.
What is the BPI AIA hotline?
(02) 8528-5501 (Call us), or (02) 8528-5477, as printed on bpi-aia.com.ph.
How do I file a claim with BPI AIA?
Start from the claims page on bpi-aia.com.ph, which lists the forms and documents for each claim type. If BPI AIA 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 BPI AIA sell VUL?
Yes. 3,085 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 BPI AIA the same company as BPI-Philam Life Assurance (BPLAC) Corporation?
Yes. The IC list prints BPI-Philam Life Assurance (BPLAC) Corporation as its former name, so policies issued under that name sit with BPI AIA Life Assurance Corporation.