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BPI AIA at 16: How Digital Insurance Is Making Financial Protection More Accessible for Filipinos
Saturday, December 13, 2025
Reaching a milestone is always a good moment to pause, reflect, and look ahead. For BPI AIA Life Assurance Corporation, turning 16 is not just about celebrating longevity. It is about recognizing how far the company has come and how it continues to evolve with the changing needs of Filipino families.
Formed in 2009 as a bancassurance partnership between the Bank of the Philippine Islands and AIA Philippines, BPI AIA has steadily grown into a trusted name in financial protection. Over the years, it has built a strong nationwide presence through BPI branches, a professionally trained sales force, and a growing suite of insurance solutions designed for different life stages.
Today, as more Filipinos embrace digital-first financial planning, BPI AIA is doubling down on innovation, accessibility, and simplicity. Its latest initiatives show a clear commitment to making protection easier to understand, easier to access, and more relevant to real-life goals.
Adapting to How Filipinos Plan Today
Financial planning looks very different now compared to a decade ago. Many Filipinos research products online, manage finances on their phones, and expect faster, more convenient service. BPI AIA has taken these shifts seriously by expanding its digital tools and offering products that fit modern lifestyles.
Among its notable innovations is PamilyaProtect, a microinsurance product that can be purchased online. This solution recently earned recognition as Digital Insurance Initiative of the Year from Insurance Asia, highlighting how technology can help widen access to protection. For those looking for affordable coverage, InstaProtect offers a digital insurance plan that starts at just Php488 per year, making insurance less intimidating for first-time buyers.
More recently, BPI AIA introduced Prime USD, a US dollar-denominated protection solution. This product is designed for customers who want to secure long-term protection while also preserving and growing wealth. It is especially relevant for Filipinos with global financial goals, including those with overseas income or dollar-based investments.
Leading with Purpose and People
Behind BPI AIA’s continued growth is a clear sense of purpose and leadership. CEO Karen Custodia has been steering the company through a period of rapid digital transformation while keeping its mission front and center.
“As we mark 16 years, we are reminded that our purpose goes beyond providing insurance. It is about helping Filipinos build a better everyday life and a more secure future,” Custodia shared. “We will continue to simplify protection and health solutions, deliver meaningful value, and design solutions grounded in empathy, insight, and real-life needs.”
She also highlighted the strength of BPI AIA’s partnership with BPI, which allows the company to meet customers wherever they are. Whether in a branch, online, or through mobile platforms, the goal remains the same: to make protection easier to access and easier to understand.
“Our long-standing partnership with BPI allows us to meet customers wherever they are. Together, we are focused on evolving how protection is accessed and understood, so more families can plan with confidence, clarity, and convenience,” Custodia added.
Strengthening Digital Advisory and Service
Beyond launching new products, BPI AIA has also invested heavily in next-generation digital tools for its Bancassurance Sales Executives. These tools help advisers deliver faster, more personalized financial planning conversations and smoother policy servicing experiences.
For customers, this means less paperwork, quicker turnaround times, and clearer guidance. For advisers, it allows them to focus more on understanding client needs and offering solutions that truly fit their goals.
This push for digital efficiency supports BPI AIA’s broader mission to close protection gaps and strengthen financial confidence across different segments of the population.
Reaching the Next Generation of Policyholders
One of BPI AIA’s priorities moving forward is engaging emerging segments such as young professionals, digital natives, young families, and Filipinos with overseas aspirations. These groups often have different expectations when it comes to insurance. They want flexibility, transparency, and products that align with how they live and earn today.
“Innovation in insurance must keep pace with real life,” Custodia explained. “Our role is to meet customers both digitally and emotionally with solutions that are easy to understand, relevant to their goals, and aligned with how they make decisions today.”
By offering affordable entry-level plans, digital purchasing options, and globally relevant products, BPI AIA is positioning itself as a partner for both today’s needs and tomorrow’s dreams.
Looking Ahead with Confidence
As BPI AIA enters its 16th year, it continues to champion a client-first culture rooted in education, strong partnerships, digital efficiency, and long-term value creation. Its journey reflects a broader shift in the Philippine insurance industry toward more inclusive, tech-enabled, and customer-centric solutions.
For Filipinos who want protection that fits their lifestyle and financial goals, BPI AIA’s growing portfolio offers a glimpse of how insurance can be both practical and empowering.





