. The proceeds will allow you to pay for final expenses like unpaid medical bills, estate taxes and can help sustain their living expenses while they recover from. This policy insures your income against the risk of a disability that renders you unable to work. Income drawdown: Amount of fund designated for drawdown: Scheme pension: 20 x the initial annual rate of pension income: Tax free cash:. Berniece Hieckmann, Head of GetUp, a new offering from financial services provider Metropolitan, adds that “If contracted, a virus such as Covid-19 can affect your ability to earn an income, or your income may cease as a result. You can sometimes get a policy that pays out a higher percentage of one portion of your salary, and less on anything above that. Putting South Africans in the drivers seat of their lives through digital solutions and Life Hacks🇿🇦. Income protection insurance takes care of you and your family if you become unable to work due to an accident, illness or injury. Premium skips are available on the Metropolitan Funeral Plan to use during tough financial times. Depending on the payout period you can choose different cover amounts as follows: 6-month payout period selected 12-month payout peri. Setting up a recurring payment differs from bank to bank. You can choose to insure up to three life partners under immediate family cover. Why? Compound interest means that over time you get interest on the money you save, and then you get interest on the interest, and so on. Don't miss out on benefits! Depending on your age or situation - you might be able to benefit from Payment Protection benefits. You have three options to choose from in this category: Agreed Value, Indemnity or Loss of Earnings. Parent assets treatment on the FAFSA. 18. Our new Income Protection plan comes with a free Life Hacks rebate programme. To openly spend the money they make from their illegal activities, criminals try to make sure there’s no link between the actual activities and the money they make from them. If you're unable to work due to partial or total disability, income protection insurance pays: up to 90% of your pre-tax income in the first six months, and. 5c for each $1. Accident, sickness, and unemployment insurance benefits usually cover a maximum of about 50 to 70% of your gross earning, although there are some providers that may offer more. Why? Compound interest means that over time you get interest on the money you save, and then you get interest on the interest, and s. Live Chat: Start a live chat with one of our friendly coaches by clicking the blue help icon on the bottom right of your screen (8:00am – 5:00pm Mon – Fri). za. 40 x 12 = $4. Be prepared for the unexpected and make sure you and your family are protected. We know the last. We get finance. Money laundering is th. Any flexible Group Income Protection claims in payment after 1 January 2024 will. In 5 years, your cover has risen to €40,000. People who are worried about uncertain future events like accidents, death, disability, illness and retrenchments and the impact it. §222. Landlords simply select the rent guarantee insurance they need, choosing a period of coverage between six weeks and six months per year. Policy options are designed especially for short-term disability. za with, “Spoil Mom Quiz” in the subject line or via our Facebook page (@metgetup). Explain economics? Savings related termsSave up to 15% off your premiums when you take out multiple eligible policies. To enter the. Money can be used for a wide. To register as a client and access your Client Portfolio, you need to either sign up for a Life Hack or own a GetUp policy. Depending on the situation, foreign residents may be able to claim deductions for income protection insurance in similar ways. With these hacks, you get practical tools to help you improve your financial position. Our new Income Protection plan comes with a free Life Hacks rebate programme. Short-term income protection insurance pays out a monthly sum from the insurer if you need to make a claim and the claim is successful. Not only does your money grow, but the interest grows too; you get interest on interest. These includes: The plan owner. The simpler the annuity, the lower the commission, he says. But, even if you aren’t self-employed, it. A multi-member LLC, on the other hand, is required to file a tax return and give its members K-1 forms to file with their returns. When you apply for Income Protection, you’ll choose how long you want to wait before you begin receiving benefits. If your client becomes sick or injured and is unable to work, they’ll receive a monthly benefit of up to 60% of their income – up until they’re able to get back to work or their. The WAGEguard™ products are arranged by Marsh, the world’s leading insurance broker and risk advisor. . We will also inform you if any further documentation is required. You may opt in and out of them during the course of your plan's lifecycle. Landlord insurance and homeowners insurance provide similar coverage, though landlord insurance has unique features that. It comes at no risk to you and no additional cost. 00 of monthly coverage, the premiums would be calculated as $0. You are entitled to at least one free credit report from any of the credit. Debit orders make it easy to keep track of payments and ensure they go off every month. FAFSA will provide income protection for students equal to $9,400. Income protection insurance could offer you and your family security. What's the difference between accidental death and death due to natural causes? How do I submit a funeral claim?Protecting yourself and your plans. Group Income Protection (GIP): Cover employers make available to employees —. If you have for example, Payment Protection benefits on retirement and you are close to retirement, you might not need to pay any premiums soon and you will remain covered. It consists of various benefits, such as paid sick leave and short- and long-term disability benefits (see Why You Need Disability Insurance to learn more). Calculate on Base Salary and guaranteed income only. The closing date of the Competition is 23:59 on Wednesday the 30 th June 2021. Click “Refresh” button for SSL Information at the Safety Information section. 85. . Importantly, it is paid out monthly, not in a lump sum as with critical illness policy. In 2022, we paid 3,680 income protection claims totalling more than £50m 2. Income Protection insurance provides a replacement income if you’re unable to work due to sickness or injury (as defined in the insurance policy). Metropolitan GetUp | 559 followers on LinkedIn. When applying for a Metropolitan Funeral Plan, select the Flexible payment option and thereafter you can set up a recurring payment on your banking app. Updated. Parents. There are several. Funeral Cover helps you pay for the burial of a family member. Change your cover levels. Step 4: The quiz questions will start – Make sure you answer All the questions Step 5: That’s it! At the end of the quiz, you will. Remember, if you do opt-out, you might be missing out on opportunities to save by The Monthly Essentials benefit is an add-on benefit that you can choose after purchasing your plan online. Generally, Income Protection covers up to 75% of an individual's pre-disability income (occasionally with an extra 10% to replace superannuation contributions). €37,500 – €10,556 = €27,464. Founded in 1922, State Farm currently. A debit order is a commitment you make to make a payment every month from your bank account to another person or entity. Income protection insurance pays you monthly payments to help account for lost income and assist with expenses and other financial. Budget Income Protection. You can name a beneficiary who will get the money in your tax-free savings solution if you pass away. Your income can include any commissions, bonuses or benefits you receive. . Insurance works on the idea of putting a lot of people's money together to either protect or grow what they have. As per these terms and Income & Asset Protection. With the backing of a well-established brand with years of experience in the financial services sector, we take a fresh approach to financial services. Income Protection Insurance is a policy designed to provide a replacement source of income if you are unable to work due to illness, injury, or disability for a specified period. You must be permanently employed. 5 Types of Income Protection Insurance. Deanne can claim $175 a month for the insurance policy. Metropolitan GetUp | 563 followers on LinkedIn. We get finance. . You can choose to insure up to four parents, regardless of their gender, under this plan. The waiting period on all lives is six months. These providers may include, for example fraud protection services. English (US) English (ZA) English (ZA) One of the key reasons for having a single Funeral policy in place is that it saves your family time and effort at the point of claiming, allowing them to focus on grieving instead of the admin req. . How to apply for Income Protection Insurance with TAL. Entries received after the closing time will not be considered. The National Credit Act (NCA) came into effect 1 June 2007 and was introduced to:. We know the last. Income Protection Plan You could earn up to 30% of your premiums paid over a year. Generally, your home’s value (up to a maximum amount) is exempt as long as you still live. Companies choose if and to which credit bureau they want to report. metgetup has 3 repositories available. Foster children can be insured under extended family. Last update: 11/3/2021 The Metropolitan GetUp (part of Momentum Metropolitan Life Limited, an authorised financial service (FSP 44673) and registered credit provider (NCRCP173),“Human Rights quiz, win R1 000 Takealot voucher” (the “Competition”) is open to all South African citizens or permanent residents over the age of 18. Follow. There is no paperwork and a quick quote and application process. Use TAL’s Cover Builder to get a quote and speak to one of our friendly advisers to answer any questions you might have. Related to Get-Up. However, life can change in an instant. If you’re planning on spending your working life here, it’s worth your while. If you're unable to work due to partial or total disability, income protection insurance pays: up to 90% of your pre-tax income in the first six months, and. up to 70% for a specified time after six months. . MetGetUp; Contacting Metropolitan GetUp; Contact details; Contact details. Updated. You can use your payout to cover mortgage or rent payments, bills or food, travel and other living expenses. MetGetUp. Payment period – The maximum length of time the claim would be paid. Most often, your area will be your county, but it may include other counties or even practices as necessary to obtain a credible amount of data to establish an expected yield and. Your parents must live in South Africa. Add a new optional benefit to your plan. For every dollar over this amount, the contribution rate is 50%. Metropolitan GetUp helps. Metropolitan GetUp helps. za. Under section 478(d) of the HEA, the Secretary must also revise the education Start Printed Page 38068 savings and asset protection allowances for each AY. Income protection insurance usually covers only 75 per cent of the first $20,000 of your gross monthly income, and 50 per cent of gross monthly income that exceeds $20,000 per month. Income protection costs $53-$168. Generally, you can buy IP cover if you’re an Australian resident between 18 and 63, though the maximum age on some policies is 59. English (US) English (ZA) English (ZA)How do I complete Life Hacks? MetGetUp. Income Protection Plan You could earn up to 30% of your premiums paid over a year. The last verification results, performed on (April 02, 2023) metgetup. It contains both a General Information section and your IPP Certificates of Insurance. If you decide to cancel the policy after 30 days, the money you are refunded may be less than the amount you have put in. We will only collect the information we need. Review your quote and the Product Disclosure Statement very carefully to make sure it suits what you need. What makes up my Estate? What is GetUp Smart Check? What is GetUp Smart Cover? What is GetUp Smart Executor Cover? Can’t sign your will due to physical impairment?What is a debt consolidation loan? MetGetUp. Metropolitan GetUp helps. 7 Reasons why Metropolitan GetUp has the best funeral cover in South Africa. za has an invalid SSL certificate. Disability insurance. For someone earning say £20,000 per annum this means they can protect around £12,000 per annum, to provide an. We get you. By approving the DebiCheck mandate, I authorise Metropolitan to. promote a fair and non-discriminatory marketplace for access to consumer credit and to provide for the general regulation of consumer credit and improved standards of consumer information;Life Hacks help you take accountability for your own finances and provides you with tools and information to make informed decisions about your finances and take appropriate action. It’s a valuable financial benefit. These providers may include, for example fraud protection services. 6/2 Parc Du Cap office park, Cape Town, South AfricaWhat is Metropolitan GetUp March Birthday Quiz Competition? The Metropolitan GetUp, a licensed life insurer and an authorised financial service and registered credit provider, “March Birthday Quiz” is open to all South African citizens or. Income protection insurance is designed to replace your income based on your annual earnings in the 12 months prior to your illness or injury. Any employee who sacrificed salary to purchase additional Group Income Protection benefits who goes off sick after 15 October 2019 and becomes a claimant before 31 December 2023 will not have to pay income tax on the flex element up to 31 December 2023. Note: Online quote is for RBC Simplified® Disability Insurance only. Sun Legacy. Why choose the Metropolitan Funeral plan? Explain the cover amounts and payout durations for the Monthly Essentials benefit? What are the age limits for adding the Monthly Essentials benefit for an insured life?Understanding your Credit report and credit score. Regular payments you can count on. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. Debit orders make it easy to keep track of payments and ensure they go off every month. Fixed protection 2012 (FP2012) allowed the individual to lock into the £1. DebiCheck Terms and Conditions. za; Telephone: 0860 724 724; You can send complaints and. We call this yearly payment increase a value protection benefit. Rental property insurance, also known as landlord insurance, covers risks associated with renting your property (home, apartment, condo, etc. You might not be getting the amount of cover you need. ) to others. Start a live chat with one of our friendly coaches by clicking the blue help icon on the bottom right of your screen (8:00am – 5:00pm Mon – Fri). You want flexible, personalised and more agile solutions to meet your needs. . 97. The following information will be available in your free credit report: Your personal information (such as your age, who you work for, your marital status, your address and contact details). Here’s what you can do to protect yourself and those around you. za show that metgetup. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. These policies cover repayments of other debts, in other words, credit card, loan etc. We get you. To claim under the Income Protection Plan you need a doctor's note confirming you were not able to work for more 30 days or more. It is a basic building block for effective lifelong protection for yourself and your family. LifeReturns ® is a modern approach to calculating maximum discounts on. Immediate family members. 5 Metropolitan GetUp Life Hacks. Explore options that help safeguard and secure your family’s financial. A healthy credit score is essential for getting credit. , corporate income is often taxed twice insofar as not only the company must pay taxes, but also the shareholders. What is a waiting period? When do waiting periods apply? MetGetUp. When the unexpected becomes reality, Colonial Life disability insurance can provide income protection and peace of mind. We would like to show you a description here but the site won’t allow us. Income protection ensures you can support yourself and your family during a short- or long-term disability. The closing date of the Competition is 23:59 on 18 th July 2022. Student Income. The amount that you agree to pay is taken from your bank account for a service or to repay a loan on a date that you decide on. Dlamini buys a Company A funeral plan on the 10th of January. You choose the cover amount and who to cover. Failure to adhere to the following guidelines will result in posts being hidden, deleted or banned on our page:How do I register to access my personal portfolio? How do I log onto my personal profile to view my products, life hacks, personal information and preferences?Income protection insurance is a monthly benefit paid to replace your income if you're unable to work due to illness or injury. 5c for each $1. Get a Quote Opens in new window. 1. See the extra benefits this cover provides. + Follow. “Head of Met Get Up, Berniece Hieckmann is talking about how the partnership with YCC came about and the importance of creating real opportunities to solve the youth employment crisis we’re facing. If you need to reset. You can also enhance your Income Protection cover by adding Premier Cover. Metropolitan GetUp | 560 følgere på LinkedIn. Income protection insurance is a policy that pays out if you're unable to work because of injury or illness. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. It can be taken out as a long-term or short-term policy. The GetUp Income Protection Plan covers a single individual only (the Plan Owner). If you save more than these limits, you’ll pay a tax penalty of 40% on the amount over the limit amount. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. Metropolitan offers two funeral plans. The closing date of the Competition is 23:59 on 18 th July 2022. Does the Income Protection Plan cover me if I can't work as a result of COVID-19? What happens if I die from COVID-19? Am I and my loved ones covered if something happens. g. Assets count for much less than income. Entries received after the closing time will. Metropolitan GetUp | 556 Follower:innen auf LinkedIn. Sick leave is fine, of course, but not everyone is able to save up a substantial backlog. Explore options that help safeguard and secure your family’s financial future. It can provide financial protection in the. Metropolitan GetUp offer the best funeral plans in South Africa - here's why: 1. You can use it to keep doing the things that make you happy. GetUp’s mission is to make a meaningful difference in South Africa by creating employment opportunities and ensuring sustainability for the South African youth. Your regular monthly income is at least R5 500. Protect your income with disability insurance—get an online quote or talk to a licensed. Tax on this income. Pay outs are tax free, but could affect a. Y. . I understand that, if I have chosen to add Value Protection to my plan, it will increase my premium annually, as well as my cover level. You might only be able to get cover for up to 2 years with some super policies (as opposed. Waiting periods can apply when you: First start your plan. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. It comes at no risk to you and no additional cost. In other words, there will be no expected contribution from student income if 2022 is $9,400 or less. A parent must be younger than 85 years old when: • you add them to your plan; • you change their cover level; or. Individual income protection (IIP): When an individual protects a portion of their earnings independently. Delays in winding up an estate can result in your surviving family members having to make funeral payments themselves which can result in hardship for them. A waiting period is a period of time after taking out insurance where the person being insured is not covered for some or all events. Allianz 222® Annuity offers two ways to receive a bonus on the Protected Income Value of your contract. English (US) English (ZA) English (ZA)Metropolitan GetUp | 560 followers on LinkedIn. See how Group Income Protection can help your employees and boost productivity. DebiCheck is an authorisation process implemented by all South African banks to assist with reducing fraudulent debit order activity. Your greatest asset is your ability to earn an income. The Ins and Outs. So even if you’re not earning your usual income, you can continue putting food on the table. People buy this type of cover in order to help them pay. If you decide to select the Monthly Essentials and Memorial add-on benefits after signing up for the Metropolitan Funeral Plan online, the total combined cover may not exceed: R100 000 for immediate family (yourself, life partner (s) and Children) R70 000 for parents (legally recognised parents, step-parents, legal guardians, parents-in-law) R3 000. The most flexible payment options - you can pay us any time of the month, you can choose how much you want to pay i. Mortgage protection insurance (MPI): This type of coverage pays out to your lender if you die or become disabled and can’t work. We get finance. . Cover if you're unable to work due to illness or injury. Obtain your free credit report from any of the credit bureaus in South Africa to see what your credit profile looks like. Income protection insurance is one of the most common types of insurance in Germany. Considerations when planning for your child's education?DebiCheck Terms and Conditions; How does DebiCheck work? If I don’t approve the DebiCheck mandate, will a debit order still go off my account? What is DebiCheck?MetGetUp. The government’s job retention and self-employed income protection schemes ensure 80% of incomes for many people, but still exclude large numbers of workers. To apply for a Metropolitan GetUp Debt Consolidation Loan, you must satisfy the following eligibility criteria first: You must be a permanent resident of South Africa. Best for Small Businesses: AIG Direct. An income protection insurance plan provides your loved ones with the financial security that can help them deal with the negative effects of inflation. The Income Protection Gap is the imbalance between public and private coverage against the interruption of income through disability, or death in the case of families, and the need for these solutions. Should anything happen to you, our Income Protection Plans strive to help your family recover from loss and continue living life as planned. All terms and conditions of your funeral contract remain unchanged. Income protection normally pays out around 70% of your earnings before tax. That’s why Income Protection was created to start paying you soon after your disability. Our new Income Protection plan comes with a free Life Hacks rebate programme. Best Overall: Lincoln Financial. 300 views, 88 likes, 10 loves, 2 comments, 3 shares, Facebook Watch Videos from Metropolitan GetUp: Your ability to earn an income is possibly one of your greatest. Extended family members. In today’s dynamic, fast-moving environment, on-demand solutions and easy access are expected. co. co. We get finance. You must be: Cooling-off period? Who is. MetGetUp. Mortgage protection insurance can be an attractive option for homeowners looking to protect their investment and keep family members from financial troubles. These benefits include a Cover Stretch benefit, Life Hacks, a Repatriation benefit and a Payment Protection at age 85 benefit. Each policy covers a single lease agreement for a single residential rental unit. 300 views, 88 likes, 10 loves, 2 comments, 3 shares, Facebook Watch Videos from Metropolitan GetUp: Your ability to earn an income is possibly one of your greatest assets. English (US) English (ZA) English (ZA)One of the key reasons for having a single Funeral policy in place is that it saves your family time and effort at the point of claiming, allowing them to focus on grieving instead of the admin required to submit the same documentation to multiple insurance companies. co. A credit score is a value that determines whether a consumer is suitable to receive financial credit based on their credit history. If information was n. Group income protection covers any condition or injury that prevents an employee working long-term, whether that’s a physical condition such as a bad back or cancer or a mental health issue such as stress or depression. Most policies will provide you with a monthly payment up to 50-60% (with some up to 70-80%) of your total income to keep you afloat during recovery or during a long-term disability. Does the Income Protection Plan cover me if I can't work as a result of COVID-19? What is funeral cover?Income protection covers loss of income – but only if it's brought about by a physical or mental illness or injury. A short-term disability policy offers you income protection to help cover monthly expenses (such as mortgage, rent, utilities, or car loan) if you're unable to work because of a total disability due to illness or injury. But there is debt protection for seniors. People who are worried about uncertain future events like. Wills help us with having peace of mind that our assets will be distributed as per our wishes however, our loved ones often aren’t aware of the Will or where it’s held. Lenders rely on this score to determine the likelihood that you are able to repay your debt. Convenient Short-Term Payment Options. The winner will be called directly after the live draw process, and if they do not answer their phone, the winner’s prize will be forfeited, and Metropolitan GetUp shall repeat the random draw until a new final winner is. You have three options to choose from in this category: Agreed Value, Indemnity or Loss of Earnings. If you take out income protection insurance, you usually have 30 days to cancel the policy and get a full refund. English (US). We get finance. Government occupational disability assistance only applies in full if you can't work for more than three hours a day. Waiting periods apply to each person covered on the plan. R3 000. Your children include your own children, stepchildren or legally adopted children. 0% of claims are accepted. While this type of insurance is often associated with individual coverage, businesses can also offer Group Income Protection Insurance as an employee benefit. Stacked Income Protection Plan (STAX) Cotton Crop Provisions (22-STAX-0021) Stacked Income Protection Plan of Insurance (STAX) Standards Handbook (FCIC18170) Approved insurance providers must notify policyholders of the modification to the STAX Crop Provisions at least 30 days prior to the cancellation date, as required by. Should you opt-out of the Life Hack at the start of your policy or sometime before the rebate anniversary date? No problem, you can still opt-in as long as you do so before the end of anniversary month of the policy for the rebate anniversary. A plan is act. . We get finance. They include one- and three-year benefit periods, with a. No, a free Credit report does not affect your score, we encourage you to check your Credit Report frequently to ensure you are aware of all your credit activity on you record. The easiest way log a claim with us is to visit and submit the funeral claim on our website. 00 of monthly coverage. AGI (2022 for current FAFSA) + Untaxed income on tax return - Income protection allowance - Taxes paid = Available income (AI) Rate between 22% - 47% of AI | $1,000 more income can translate to a $470 increase to your EFC/SAI . It. Rental property insurance coverage varies, but policies generally cover the dwelling or structure of your property, contents of the property belonging to the landlord, liability coverage and loss of rental income. Parents. Should you opt-out of the Life Hack at the start of your policy or sometime before the rebate anniversary date? No problem, you can still opt-in as long as you do so before the end of anniversary month of the policy for the rebate anniversary. 5. No other people are covered on this Policy. Up to 10% of the sum insured can be added to allow for superannuation contributions that would have continued had you not been on claim. If you’re an employee: You can insure up to 75% of your before-tax income, less €10,556 (state illness benefit). Income Protection helps you feel confident in your family’s financial security. The main benefits of this type. Income protection insurance covers you if you become ill or injured and cannot do your job resulting in a loss of income. This policy insures your income against the risk of a disability that renders you unable to work. This is called an elimination period. Income protection insurance is a type of insurance that replaces a portion of an individual’s income if they are unable to work due to an injury or illness. Add a new optional benefit to your plan. Protect yourself and others from getting sick. Most policies will not go higher than 55%-60% of your pre-disability income. By providing you with a monthly benefit, income protection allows you to focus on your recovery. Fusing your funeral policies has never been easier! You simply need to: Know which policies you want to combine; Know who’s covered on those policies The Metropolitan funeral plan offers a competitive set of benefits when you purchase online. Waiting periods can apply when you: First start your plan. Be covered for up to 70% of your Pre-Disability Income up to $10,000 per month. Key features. disability insurance helps to ensure that you’re still maintaining that salary you were once making at the job you’re no longer able to perform. Five principal types of income protection delivered by benefits are: disability income replacement; medical expense reimbursement; retirement income replacement; involuntary unemployment income replacement; and replacement income for survivors. benefits from an income protection policy will normally continue until the insured person returns to work or retires but the payment period can also be capped if you choose a budget income protection insurance option. This can help cover your living expenses, such as your mortgage, school fees and car repayments. §222. THE GETUP FUNERAL PLAN. With the backing of a well-established brand with years of experience in the financial services sector, we take a fresh approach to financial services. | Metropolitan GetUp is the digital-direct offering of Metropolitan and part of the Momentum Metropolitan Group. Your Will helps you break down the various components of your estate into Assets & Liabilities. But you can help ease the financial burden with life insurance. Your parents are your:• legally recognised. The maximum asset protection allowance , however, has decreased from $84,000 in 2009-2010 to $10,500 in 2024-2025. Metropolitan GetUp | 558 followers on LinkedIn. za is pretty a safe domain. | Meaning, pronunciation, translations and examples in American EnglishWill the coronavirus pandemic affect my monthly funeral payments? MetGetUp. Provides your family with necessary financial protection. Disability insurance ensures that you can still cover the bills, even if you’re unable to work. Covers up to 60% of your gross annual income, up to £60,000 a year. You can skip a maximum of six premiums during the lifetime of your plan. You want flexible, personalised and more agile solutions to meet your needs. She pays a total of $250 a month for the policy: $175 for income protection cover; $75 for personal injury cover. What is money laundering? Who is a Prominent Influential Person (PIP)?Metropolitan GetUp encourages healthy debate, sharing of personal experiences, questions, and respectful comments on our social platforms. Waiting periods apply to each insured life. Sun Life Philippines offers options for affordable income protection and life. You won’t find any of these three issues covered on a critical illness policy.