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Enjoy additional benefits from AcademiX!

Reward your child with a graduation gift


Using the same illustration, the remaining Account Value after the 4-year education pay-out may be withdrawn as the 5th
year pay-out graduation gift for your child. If your chosen investment fund performs better, your child will receive a higher
amount as his graduation gift.

Receive guaranteed loyalty bonuses


AXA will give you additional units to your chosen investment fund as long as your policy is in-force on its 10th and 20th
anniversary dates. This means higher potential to grow your investments.

AcademiX
financial security for
your childs education

Secure your familys future in case of your untimely demise


AcademiX is especially packaged with the Bright Rider Plus, a term rider that automatically provides the security of
guaranteed pay-outs immediately upon your passing, up to the predetermined pay-out year of the graduation gift.
Moreover, you are guaranteed a life insurance protection coverage equivalent to the Account Value or the Minimum
Death Benefit*, whichever is higher. This will give you peace of mind that your family will continue to have income for
basic expenses even when you are no longer around.
The illustration below shows that if the 35-year old parent passes away at age 40, guaranteed annual pay-outs amounting
to P100,000 are immediately payable to cover the childs living and education expenses from age 10 up to age 21. This
benefit is called the Guaranteed Contingency Education Pay-outs. The Minimum Death Benefit is equivalent to
P434,779 while the Account Value is P356,059, if the fund performs at 4% per annum. In this case, the family receives
a death benefit of P434,779.

500,000

PREMIUM
For Final Expenses
For Pre-Collegiate Expenses
For Collegiate Expenses
For Graduation Gift

450,000

AMOUNT IN PHP

400,000
350,000
300,000
250,000
200,000
150,000
100,000
50,000
0
5

10

11

12

13

14

15

16

17

18

19

20

21

AGE OF CHILD

Let go of your worries. Give the best for your child with AcademiX.
Call your AXA financial partner today at 5815-AXA (292) or 3231-AXA (292).

THIS FINANCIAL PRODUCT OF AXA PHILIPPINES IS NOT INSURED BY THE PHILIPPINE DEPOSIT INSURANCE CORPORATION
(PDIC) AND IS NOT GUARANTEED BY METROBANK.
AXA Philippines
GT Tower International,
6813 Ayala Avenue corner H.V. dela Costa Street, Makati City, Philippines
customer.service@axa.com.ph
www.axa.com.ph
An affiliate of

standards

standards

YOU WANT THE BEST FOR YOUR CHILDREN.


However, sending them to the best colleges and universities can be very expensive. Your
traditional savings instruments will not be able to compensate for the rising costs of
education in the long run. What you need is an alternative investment fund with potentially
higher returns to complement your existing savings instruments.

Introducing AcademiX*, a variable


life insurance product that will
help you achieve your dreams of a
bright future for your child.
* A special offer of aXelerator (a regular pay variable life
insurance product) packaged with the Bright Rider Plus (a
Term insurance product)

AXA gives you what you need.

AcademiX is designed to provide for your childs college education expenses through
high-earning potential AXA investment funds and guarantees a contingency education fund in case
of your untimely passing.
AcademiX helps build up your childs education fund fast. For the first 3 years, 65% of your basic
premium payments will be used to buy units in your choice of high-earning potential AXA investment
funds. Beginning Year 4, and in order for your money to grow faster, 100% of your basic premiums will
be allocated to the investment fund of your choice.
Note: Cost of Insurance and Administration Charges are deducted from your units
on a monthly basis. Your policy will be charged with the Cost of Insurance
only when your Account Value is lower than the Minimum Death Benefit.

1. Decide how much your child will need yearly while in College
Your AXA financial partner can help you determine the most suitable annual amount you
will need for your childs education through a comprehensive Financial Needs Analysis.

2. Pay for a minimum of 5 years


With AcademiX, you need to pay your annual premiums for at least 5 years. As your
Account Value grows from your chosen investment fund, you may opt to stop paying
your premiums as long as your Account Value can sufficiently cover your monthly
charges.

AXA investment funds


AXA investment funds have shown remarkable
performance despite the 2008 financial crisis
as these are managed by one of the best fund
managers in Asia the Metrobank Trust
Banking Group. You can choose from Bonds,
Stocks, or a combination of both, to grow your
childs education fund.
Annualized* Performance Since Inception
as of December 2012

Wealth Bond Fund

Three simple steps to experience the wonderful features of AcademiX:

6.27%

Wealth Balanced Fund

11.12%

Wealth Equity Fund

18.47%

3. Receive the 4-year Education Pay-outs


As soon as your child reaches his/her collegiate years and as long as you have sufficient
Account Value, you will receive your annual Education Pay-out based on the amount that
you have pre-determined at the beginning of your policy.

Below is a sample illustration for a 35-year old parent who gets an AcademiX for his/her 5-year old child. An annual premium
of Php 96,956 is paid for 5 years. When the child enters college at the age of 17, the annual pay-out will be a minimum of
P100,000 if the chosen AXA investment fund performs at 4% per annum. If the fund performs even better at 10% per annum,
he/she may receive as much as P195,967 yearly.
250,000
PREMIUM

* Annualized refers to the Compounded Annual Growth


Rate, or the simulated growth rate on a yearly basis if
Principal plus Interest are re-invested annually.
AMOUNT IN PHP

Our Financial Advisors in AXA branches and


Financial Executives in Metrobank Branches
can provide you with a quick Financial Needs
Analysis to determine your risk preference.
You may refer to our latest Fund Statistix
regularly updated on www.axa.com.ph to
appreciate how significantly the AXA funds
have performed.

at 4% p.a. accumulation

200,000

at 8% p.a. accumulation
at 10% p.a. accumulation

150,000

100,000

50,000

0
5

10

11

12
13
AGE OF CHILD

14

15

16

17

AcademiX takes advantage of high-earning potential AXA Investment funds for your childs college education.

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