Is PPLIC a Scam?


This question didn’t really came to me until I read so many blog posts against the insurance plan we just bought.  Most blog posts I read were complaints on how the vultures of PPLIC lured and scammed them.  There is an ocean of marketing strategies out there and no matter how obnoxious and intrusive, I knew theirs was just one of the many.  Having worked in advertising and finance businesses in the past, their marketing ploy was not surprising for me at all.

The Philippine Prudential Life Insurance Co., Inc. (PPLIC) came in the picture just recently luring shoppers to claim freebies in exchange of a 45 minute talk – for promotion and advertisement purposes, they say.  Jeedo and I went to LimKetKai Mall one lazy day just to spend time together.  We didn’t really have a destination in mind so when an agent came to us and offered some goodies, we took the bait.  They were very strategic and well-coordinated.  Like a pack of goons passing bank money bags from one to another -flawlessly.  We were escorted to their service car and were politely received at their 5th Floor office at the Gateway Tower.  The staff were courteous and everyone seemed like on high spirits even at 8:00 in the evening.

The product was presented to us and to cut a very long exchange of stories short, we bought the premium package and paid in advance for the whole year.  We shelled out around PHP24K in cold cash.  My husband and I were pretty much impressed by their service and were happy about buying the product.  It was more of a savings plan with insurance.  Not a growth fund or term investment because the interest rate is really low.  You can hardly feel the money growing with time.   We already have insurance policies in PRULife UK and Philam.  And Ea’s college is pretty much covered with that already.  So this PPLIC pack we bought was more like putting money in a virtual piggy bank.

I know most of the rants were about the way they were lured into the Vulture’s Den.  I would agree, the style is obnoxious and deceitful.  If I were a skeptic type, I wouldn’t have delved into it.  To be honest, I didn’t mind their strategy then as much as I do now – after reading a lot of blog posts.  I admired the products but not their promos and agents.  I’ve let go of their freebie pranks and have forgiven the vultures (ahem!).  I’m concerned now if the products were real at all.  If I’ll need it back at some point, will I get anything?  Is there anyone out there who bought their products some 10 years ago and happily reaping its benefits now?

Lesson learned: Investments should be properly thought through – for way more than 45 minutes.   There shouldn’t be any room for hasty decisions when it comes to expense, finances and savings.  So I’m gonna go ahead and check the policy packs.  I stowed it safely away thinking I just have to wait until it’s cooked and ready, haha.

They do have a website which you can find by clicking here.

Deetsie Aquino
I am Deetsie a.k.a Ann Laureano Aquino. I have quite an extensive management experience on Internet Advertising, Placement QA and Evaluation, Sponsorship and outreach campaigns. Most projects have been running since 2006 to present. While moving along with the ever dynamic industry of media acquisition and high-level link building, I've been taking serious strides towards market funneling, developing Social Search Strategies and providing cost-effective online advertising solutions to local brands.

74 thoughts on “Is PPLIC a Scam?

  1. Hello sa lhat: scam tlaga ang pplic, ako dapt mature n sa november pang 10yrs ko n dapt ang original plan ko ay berkly napunta ky danvil at napunta ky pplic last 7/23/13 tumawag ako pra alamin ko un policy ko na shock ako n naterminate n un policy since march 2013 ng wala akung ka malay malay ang masakit p wala n raw ako makkuha kc si berkly sa wala funds at pinag ddiinan nla n si berkly ang kausap ng pumirma ako, ang sakin ay bakit p cla na nningil ng sila ang mag take over last 2010 up to present gayung wala n pla maaasahan ang mga plan holder sana nun pang 2010 nag advuse n cla kaso continous p cla nanningil, at mautak p alam nilang mature n un plan ko sa nov bigla nila terminate un plan ko, isang malaking scam ang Philippine prudential life insurance, dapt ipakalat sa laht n wag ng tangkilikin p, kahit ganu cla kalaki funds nila n pinagmamalaki nila at pag mature n un policy ng plan holder bandang huli nga nga

    1. That is what’s happening to my policy right now. I have already paid it in full last May 2015 and they are telling me that it lapsed in 2011 or 2013. I’m still in battle with these liars.

  2. I got a call just this afternoon from a certain arreanes mera saying i won on robinson’s 50th anniverssary raffle promo, and have to claim the reward in their office somewhere in makati together with my company id, bank id & gov’t id..after the conversation that we had i was starting to get confused and got curious so i decided to check the keyword “PPLIC” and yet dont have any idea what that abbreviation stands for,so when i checked it in google boom!! there it goes.. mga walang hiya mga yon scam pala..buti nlang d ako gnun ktanga..nganga sila this monday di na ako pupunta s oficce nila..paalala lng po maging smart lng po tau when it comes to this kind of fraud..naniniwalapo ako s kasabihang “walang manloloko kung walang nagpapaloko”. Sa lahat po ng ngcomment dto maraming salamat this is such a big help lalo na s mga potential victims ng mga walang kunsensya taing ito..lagi po nating isipin sa buhay ngaun nothing is free wag po kau papasilaw s kung anumang rewards na ipapain nila..

  3. I just got a call earlier today from PPLIC that I won and have an unclaimed reward(s) from their office.

    1. A fully-paid insurance plan good until I’m 65 years old.
    2. A scholarship fund that can be used anytime and transferred to anyone.
    3. An entry that will entitle me to a raffle that could make me win Php 15,000.

    No cashout. No seminar.

    I know a lot of people here said that it was a scam. But I’m set on going there in Raffles Corporate Center later with all of these in mind just to check whether or not I could actually claim these rewards without signing up for anything and shelling out any money.

    Who knows, maybe I could actually get them right? Then I’ll update everyone on my experience. The do’s and don’ts :). Then we can use their tactics against them and benefit from it.

    #notetoself do not be fooled into giving out and swiping your card

  4. Buti na lang at nabasa ko to. Papunta na sana ako sa Ortigas para iclaim yung 2 years scholarship daw na napalanunan ko sa raffle. Scam din pala.

  5. Grabeh to.. ako din i recieve a call and txt, tapos binigyan ako ng claim code number, sa ortigas… yun nga ask ako if meron akong ATM or credit card. pupunta na sana me bukas to claim ng 2 years scholarship

    pero nong nabasa ko mga comments, nag reply ako sa nag t txt sa akin punta ako na kasama ko mga T3 Brothers, ayun tumahimik na.. hahaa..

    may mga gingwa ba gobyerno or mga kinauukulan para masugpo itong mga modus na katulad nito….

  6. OMG!! I just receive a call while ago about this that I win from their raffle promo. the one who called me said that i won several freebies such as 2 year scholarship, etc. Its quite shock yet im surprise if that so. they even give me a claiming code. Buti nalang nasa probinsya ako. tatawagan ko nman sana kapatid ko na sya nlang magclaim kasi ayon sa tumawag pwede naman daw.until saturday lang dawmagdala lang nang 2 ids at atm or credit card. huhuhu curios talaga ako buti nalang nabasa ko mga comment nyo.

    1. thanks for sharing po. They use different baits kasi just to get people to visit them – and eventually enroll into their system. Kaya kasama ang IDs, ATM and credit cards. That’s all they need to get the money.. tsk tsk..

  7. Exactly what happened to us yesterday. Wala rin kaming magawa ng boyfriend ko yesterday so we decide to go to Centrio Ayala. Ibang klase ang tactics para lang makapang-scam. Mga walanghiya! Lakas maka-hardselling. Pinilit pa talaga akong bumili ng packages nila. Nasayang ang 2 hours ko. Mga scam!

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