Cocolife hotline, claims and licence
Cocolife is the brand of United Coconut Planters Life Assurance Corporation, a life insurance company.
Licensed. Certificate of Authority no. 2025/47-R.IC life insurer list dated Aug 31, 2026. Its 2025 premium income of ₱8,720.9 million ranks 13th of the 33 companies in the IC's premium table. That is 2.2% of the ₱403.2 billion all life insurers collected in 2025 (₱8,720.9 million ÷ ₱403.2 billion, IC premium table). 702 licensed agents sell for it on the IC agent lists of Sep 25, 2026, the 17th most of the 34 companies licensed to sell life insurance.
- Trunkline (Head Office)(02) 8810-7888
- Customer Experience, Telephone(02) 8 810-7888
- Healthcare 24-hour Member Assistance Hotline, Telephone(02) 8 396-9000
Cocolife hotline and claims
| Healthcare 24-hour Member Assistance Hotline, Telephone | (02) 8 812-9090 |
|---|---|
| Optimax Services, Telephone | (02) 8 812-2626 |
| customer_service@cocolife.com |
From Cocolife's contact page.
- Call the Cocolife call center or go to the nearest Cocolife office to start the claim.
- For a death claim, submit the policy contract or certificate of insurance, the death certificate and a claimant statement signed by each beneficiary.
- Accident, hospitalization and illness benefit claims each have their own document list on the same page.
- Healthcare reimbursement claims go to Cocolife within 30 days after discharge.
Cocolife claims page · Reimbursement · Accredited hospitals and clinics
- 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 Cocolife 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 Cocolife 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.
Cocolife products and plans
- Healthcare
- Individual Insurance
- Group Insurance
- Bancassurance
- Special Market
- Mutual Funds
- Variable Life Fund
- Loans
IC records
| Licensed agents, IC lists of Sep 25, 2026 | 702 |
|---|---|
| Agents with a life licence | 624 |
| Agents with a variable life (vul) licence | 392 |
| Premium income, 2025 (IC) | ₱8,720.9 million, rank 13 of 33 |
Company details
- Brand
- Cocolife
- Licensed company
- United Coconut Planters Life Assurance Corporation
- Certificate of Authority
- 2025/47-R
- Official website
- cocolife.com
- Licensed for: life insurance. Variable life (VUL) may be sold only by an agent with a variable contract licence; 392 of Cocolife'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 United Coconut Planters Life Assurance Corporation, not only the Cocolife brand, 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 United Coconut Planters Life Assurance and a licence end date that has not passed.
- Pay United Coconut Planters Life Assurance, not a person. Keep the official receipts issued in United Coconut Planters Life Assurance's name.
Questions
Is Cocolife legit?
Yes. United Coconut Planters Life Assurance Corporation is licensed by the Insurance Commission (licence 2025/47-R). A genuine policy names United Coconut Planters Life Assurance Corporation and that number.
What is the Cocolife hotline?
(02) 8810-7888 (Trunkline (Head Office)), or (02) 8 810-7888, as printed on cocolife.com.
How do I file a claim with Cocolife?
Start from the claims page on cocolife.com, which lists the forms and documents for each claim type. If Cocolife 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).
How do I get a Cocolife reimbursement?
Cocolife explains reimbursement for services you paid for yourself on cocolife.com; follow the page linked in the claims section above.
Which hospitals accept Cocolife?
Cocolife keeps its list of accredited hospitals and clinics on its own site, cocolife.com. Check it before a planned visit, because networks change.
Does Cocolife sell VUL?
Yes. 392 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.