IC licensedPre-need company
Goldenfuture Life Plans: licence, claims and complaints
Goldenfuture Life Plans, Inc. is a pre-need company.
Licensed. Certificate of Authority no. PN-07-2026-R.IC pre-need list dated Aug 31, 2026. It collected ₱61.9 million in premiums in 2025, 0.26% of the ₱23.9 billion the industry collected (IC pre-need figures). At Dec 31, 2025 its trust fund covered 216% of the reserves it must hold for planholders (₱136.5 million ÷ ₱63.3 million, IC pre-need figures).
Filing a claim with Goldenfuture Life Plans
- Missed an instalment: you have a grace period of at least 60 days, then at least 2 years to reinstate the plan before it can be cancelled.Pre-Need Code sec. 23
- Want out: you can end the plan in writing at any time and receive the termination value in your contract.Pre-Need Code sec. 24
- If the company fails: the plan's trust fund is for planholders only and cannot pay the company's other creditors.Pre-Need Code sec. 30
Complaints
- Write to Goldenfuture Life Plans 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.
Company details
- Licensed company
- Goldenfuture Life Plans, Inc.
- Certificate of Authority
- PN-07-2026-R
- Plans licensed for 2026
- Life (memorial)
- Licensed for: life (memorial) plans, the plan types on its 2026 licence.Pre-Need Code sec. 10
- Not licensed for: education or pension plans. If you are offered one under this name, ask which company issues it.
- Sales counselors: anyone selling the plan needs an IC sales counselor licence of their own.Pre-Need Code sec. 20
How tax applies to the plan
- Documentary stamp tax: pre-need plans carry DST of ₱0.40 on each ₱200 of premium or contribution collected. See documentary stamp tax calculator.NIRC Sec. 186 as amended by RA 10963, from Jan 1, 2018
- Worked example: ₱50,000 of plan contributions collected. DST = ₱50,000 ÷ ₱200 = 250 units × ₱0.40 = ₱100 (Sec. 186).
Before you sign or pay
- Match the company and number. Your contract should name Goldenfuture Life Plans, Inc. and the licence number shown at the top of this page.
- Ask for the seller's IC licence. Pre-need plans are sold by licensed sales counselors.
- Pay Goldenfuture Life Plans, not a person. Keep the official receipts issued in Goldenfuture Life Plans's name.
Questions
Is Goldenfuture Life Plans legit?
Yes. Goldenfuture Life Plans, Inc. is licensed by the Insurance Commission (licence PN-07-2026-R). A genuine contract names Goldenfuture Life Plans, Inc. and that number.
How long is Goldenfuture Life Plans's licence valid?
Goldenfuture Life Plans is licensed for 2026. Pre-need licences are issued per licensing year, so check the IC list for 2027.