I decided to go for IT. The meeting will be at the PhilAm building here in Davao so at least this gives me an assurance that I will likely be dealing with people working at Philam. I will post an update later after my appointment with the Philam manager this 2PM.
Is It Really Free?
Updated August 2009: I was lucky circumstances prevented me from going to the Philam building on the day I planned to get the "free insurance". I shared the story to a relative working for another insurance company and I was advised not to go.
After doing further research and reading the experiences shared in the comments section below, it appears that the Philam Plans free insurance is a scam. Some victims were lured into presenting their credit cards as a form of identification. These credit cards are then swiped without their knowledge and consent. (Please read the comments for more information about this free insurance from Philam).
38 comments:
hello,
me too, i recieved a call about free insurance sa anda daw yata. may appointment ako 2:30 but im skeptical and hesitant kasi baka meron babayaran or merong hard selling. madali pa naman ako mag oo pag meron binebenta. update mo agad ako ha pag in case tapos mo na makuha.
Rainier,
My aunt discouraged me to go so hindi ako natuloy dito. Ang sabi nia something like this happened to her friend, she thought she got a free insurance pero na charge sia sa credit card nia although the credit card should have served as an identification only. Di ko lang sure kung Phil Am din yun. If you decide to go, I suggest that you do not bring your credit card.
Thank you for posting information like this one. You're actually helping people not waste their time on these insurance agents. Someone called me on the phone yesterday with the same offer. What bothers me is the call was from a cellphone number. Then she really ask for the type of credit card I use but I did not give it. They require you for a credit card as part of your ID. Credit cards cannot be used as an ID and it is not necessary to verify that you is you. Government issued ID is available and so with SSS and company ID.
The issue here is not the free insurance, the real issue here is where they get our cellphone numbers and names and regional location? Is someone selling our names with our phone numbers? I don't think our friends will give away our phone numbers and names this way.
Thank you for posting information like this one. You're actually helping people not waste their time on these insurance agents. Someone called me on the phone yesterday with the same offer. What bothers me is the call was from a cellphone number. Then she really ask for the type of credit card I use but I did not give it. They require you for a credit card as part of your ID. Credit cards cannot be used as an ID and it is not necessary to verify that you is you. Government issued ID is available and so with SSS and company ID.
The issue here is not the free insurance, the real issue here is where they get our cellphone numbers and names and regional location? Is someone selling our names with our phone numbers? I don't think our friends will give away our phone numbers and names this way.
I just received a call from them today stating the same. and yes i was asked if i am a user of any credit company. I am supposed to go to their office ryt now but I am skeptical abt it. Thats why I had to research about it. Thanks for this post.
[...] it to seek for information. I have searched through blogs and I found helpful information from here, here and a little disturbing post from yahoo.I decided not to go and ‘activate’ the [...]
John,
I'm also wondering how spammers get our contact numbers. I have a closely guarded number and in less than a week of using the number, I already get text messages from people offering loans, etc.
Emma,
The offer is tempting but freebies like that seem too good to be true.
hello everybody..gusto q lang din po magpa2long sa inyong laht kc po ganun din nangyari saken..sabi po nila na may free accidental insurance din aq,pero dpat dalin q ung atm id o kung may checking account aq..napapayag nga po nila aq ..magaling po kc cila makipagusap ,hindi q napagisipan at wala na po aqung nagawa .naalok na po nila aq ng insurance gusto ko po sanang magpatulong dhl hindi din po transferable ung nakuha q at wala nman po qung trabahong matibay..nagkaton lang na may pera ung checking account q pangaral q sana kaso nagkamali nako sa pagpirma q sa alok nila.may alm po ba kau kung cno maaring takbuhan pagdating sa gantong problema?marami pong salamt at sana po may maawa saken .salamat po
i also have the same problem. with philam plans Jones Cebu beside .. they call me that i won a free accidental insurance for 25,000.00 thousand..i dont know where they get my number.. and they want me to go to there office for the claim of the free insurance... when i went on there office, because time to time they call me in my cell or in the office to claim the free insurance... before they give the free insurance, the agent ask you to have 30 mins. just to discuss something about the insurance.. afterward the agent offer you a some insurance... magaling silang magsalita.. dinadaan nila sa paspasan na its like di ka na makapag isip-isip., tapos nun.. hiniram nila ung credit card ko.. to check that i have a credit card before nila ibigay yung free insurance.. after wards sabihin nila e.check daw nila if pwede ba daw ako maka.avail ng insurance nila.. e verify daw nila sa banko.. diko napansin, they swip my credit card and pinapirma na nila ako ng mga docs. diko na napansin kung anong mga docs yun.. kc nagmamadali din ako kc.. may work pa ako.. pagdating ko sa office tiningninan ng kasama ko sa office ung docs sabi ng kasama ko na swip daw ung credit card ko kc my receipt na naka attached sa docs na binigay nila.. akala ko chinicheck lang nila na maka avail ba ako sa insurance nila.. Actually its my first time na maka.incounter ng ganun... and i dont really have any idea about that.. so.. yun.. its seem like na naloko ako.. gusto ko sanang e.cancel yung insurance ko sa philam.. is there any way to cancel my insurance in philam?.. di ko kasi gusto yung policy and procedure nila... na.loko talaga ako sa agent na yun.. please help me.. give me some idea how to cancel my insurance in Philam in Jones Beside YMCA building.. Salamat.. Sana kayo din wag kayong basta.basta maniniwala sa mga insurance na hindi naman kayo nag.apply... tapos tatawagan kayo.. tanungin kung my credit card kaba? wag kayong magpadala ng ganun. Godbless..
same here in cagayan de oro. marami rin kami nabiktima nito. they'll ask for ur credit card kasi for them to check daw. akala naman namin they'l check if our card is a partner with their establishment (kasi diba there are other cards that are not acceptable to certain establishments). pagbalik nung staff nila kasama pa ng manager, they have with them na the sales slip! they had my credit card swiped without me! ang kapal ng mga mukha! can we have this issue reported to the ryt media (like for exmple the local abs-cbn news networks so more people are aware of this scam?
Waaa... kakalicense k lng sa Philam, sana na check k muna procedures nla bago ako ng sign up as sales agent. Pro wla naman silang tinuro sa amin na ganun ang gawin, though I think tuturuan din nila kami ng ganyang klaseng pagbenta. Arrrgghhh... sayang isang linggo kng training! wala na akng tiwala sa companya na pinasok k.
I just got the same phone call from Philam plans asking me to go to their office here in Bacolod City. Syempre skeptical ako so research agad sa net 'bout sa "scum" na to. I have an appointment later at 2pm but di ako pupunta (nag-commit lang ako para matapos agad ang phone call. hehe) Obviously, it's a scum 'coz they're asking you personal questions about sa credit card mo over the phone lang like your credit limit, outstanding balance, except lang yung account number magmukhang discreet.. Dapat malaman na to ng authorities para wala nang mabiktima or ireport natin sa media.
My gosh this is getting way overboard! Sabi ko nga, it's a legitimate offer but what's not right is the deception! swiping your credit card without you telling about it..basta2x nalang esinaswipe! my gosh hindi biro yan ha! to think its a huge amount! That strategy is not fair and hindi dapat kunsentihin..
If naswipe yung credit cards ninyo without u really approving it, I suggest you call your credit card company and tell them to block billing from philamlife or kung anumang company name dinadala nila in billing those poor victims. Philamlife should do something about it, this will become a big issue kung hindi cla titigil.
[...] it to seek for information. I have searched through blogs and I found helpful information from here, here and a little disturbing post from yahoo.I told my mom and decided not to go and [...]
i felt sorry to those victim already,me too they call me a minute ago, in my telephone from philam na isa ako sa napili na mktanggap ng free insurance,nabighane ako sa mga salita nla about free insurance life,kailangan ko daw pumunta sa office nla and bring 3 valid ID!COM.ID,GOVT.ID,and CREDIT CARD OR ATM CARD,pero bago ako pumunta sa office nla, sa philam plan sa jones nagreseach muna ako sa akin computer about philam at dun nabasa ko lahat ng comments at nabiktima na.den tumawag cla uli skin to remind my apointment in that a time to go there office,sinabi ko na hindi ako tutuloy,ang sbi nla nkaapointment nadaw ako,magdala lang daw ko ng id,hanggang sinabi ko ang totoo basi sa mga nabasa ko nga comments at navictima na!HINDI DAW cla scammer.....narinig ng husband ko ang pinag,usapan nmin kc may hinala cya na baka manloloko daw,at nagparinig ang husband ko na tatawag kmi ng police,i think medyo natakot cla at hindi na daw ko nla pipilitin, kong hindi cla scammers bakit ang pinaka main target nla ang CREDIT CARD,PASSBOOK,OR ATM.lahat ng ito hindi YATA ID!kondi CARD..mga ganyan TAO magnanakaw,tamad,iwan ko lang kong may konsencya pa cla!kaya SORRY sa mga nabiktima na sa ganyan scandal,at nagpapasalamat ako sa paglagay ninyo ng comments na nakakatulong kayo sa mga tao na katulad ko!SA MGA NABIKTIMA na gusto MAGFILE ng kaso TUMAWAG nlang ng police pra cla na mag,imbestiga at makolong na yung mga taong nanloloko!
kanina sa ofis namin mga 2pm nka received ako ng call from philam telling me im one of the lucky person to have been chosen for a free insurance from philam.sabi ng babae na philam daw ai no.1 insurance provider for 7 years na.ni refer daw ako ng isang planholder kya daw cla tumawag s akin.sabi din nya na sa age ko ngyon na 25yrs until 65 ay insured ako at no need to worry daw dhil free itong ine offer na insurance ng philam.renewable daw ito every year pero no need to worry again dahil free nga sya.palagi nyang sinasabi na totally free daw ito.minamadali nga nya akong papuntahin sa ofis nila sa nay OSMENA BLVD. JONES,CEBU CITY dhil ipaproces daw nya today ang certificate.30 mins lang naman daw ang kailangan.dalian ko daw kc may expiry cya.magdala lng daw ako ng 3 ids.ask den cya if may credit card b daw ako.dalhin ko daw lahat.ok lng kahit ano basta nka EMBOSSED daw yong complete name ko sa card importante daw na dalhin ko talaga ito don.ask keep on asking her sinong planholder ang ng refer s kin sabi nya pagdating ko n lng daw don malalaman ko.sabi nya dont be afraid mam dhil hindi ito panloloko dahil hindi daw cla gagawa ng bagay na mkasisira sa pangalan/company nila.sabi ko i cant go there right now bec my boss wont allow.so she set date tomorrow daw 7:30am sabi ko ok ako don kc 8:30am p nman pasok ko.so she gave me her name,room no.200 daw and CODE# KMK.....later around 4:30pm may tumawag n naman,male agent informing me na na process n daw yong certificate for releasing n lng daw tomorrow morning.he confirmed for my code # sabi ko yes sir i do have it.sabi nya kita n lng daw kami tom para confirme ko daw yong 4 beneficiaries ko.wla nga daw akong fee dhil totally free daw.so sabi ko ok il go there tom.sabi ko sa sarili ko may insurance bang absolutely free?d ba may premiums yon?sabi ko is this true?.i really ask for a sign.cguro ito na nga ang net for im really hesitant to go there tom so i decided to search on the internet.im so thankful talaga for i get to read some people who were victims of these scam.tama nga yong hinala ko ko na trick lng ito. baka e swipe yong card ko.now i can sleep well.i will not have to think about going there tom.thank you so much for sharing your experience on the net !
i have an update on my case. It was January 9 of this year when we finally went to the Philam Plans Office here in cagayan de oro after the so many calls we got from them re the limited offer daw. They even have a dealine as to until when you can avail the offer, usually within the day only. What's funny that i didnt notice b4 with this so called very limited offer that u can only avail the same day is that they keep on calling again to tell u of the offer and d deadline is again until that day only.
so going back to my case, after the swiping of my credit card and all the paper signing (w/c is only about 10mins i guess), i didnt even understand what the PLAN really is because they were very careful and focused on closing the deal w/o our direct consent. I immediately came back to their office 15mins after. I was like being hypnotized at their office and was awoke as soon i got out. That was really the feeling. I was really ashamed of myself then and didn't even discuss this with my family and friends. I was relieved when i found out this link, after all im not the only one and i really think the whole process ive gone thru with them was masterfully taught to them. If its nationwide i dont think the top managemnt or its head office is not aware of this. When I came back 15mins after I immediately asked for their manager and the rep who were there on the whole process. I wanted to cancel the whole plan and the credit card trnsxn. Suddenly then the rep is i think no longer allowed to talk to me. it was the manager (her name i wont 4get: Mary Jecelle Ramos-Go) who keeps on entertaining me. She told me the people who can cancel it are already gone (its after 3pm then). I should go back the next day she said. I also called the credit card company to ask if i can cancel the transaction since it's still a hanging trans and they told me it cant be. Only after they receive from Philam a chargeback request.
The next day I came back to Philam to be told by the same manager again that the credit card trnsxn was already submitted because its a routine daw 4pm of everyday to settle the swiping mahine! she should have told me that the day before or maybe she should have told me immediately that day of the transaction that the people pala who can cancel are the finance people because its a credit card trnsxn! she should have assisted me to the finance office the same day, sana nahabol! Its really a scam Im convinced! I wasnt even sit on the receiving area after my complaint, maybe afraid others will hear me.
After 3days of daily coming back to their office, the same mgr told me that i colud cancel if i write to the head office for cancellation. She told me to give tho her my cancellation letter so its faster daw to reach the ryt people. but i submitted my letter via email directly to their website. it was not fast but 3mos after, i receive an acknowledgemnt response from one of their higher-ups. i think i got the ryt person. months after the the acknowledgment, my request is still not moving. then i found out this link and included it in my follow-up emails. i told them its a pity this link is one of the top10 result when u seach for philam plans in google. then i included the url of this link in my email so they can read it.
Fortunately, after 11months of follow-up, i got the chargeback request for my credit card just this November. Its a chargeback so u wont get ur cash back even if it has long been paid, (i settled the whole mount of P46k when it came due the next month because id have more problem if it will incur such a big interest, 'twas really a headache). The chargeback will apply as a new payment for the current month. But its a great help that im out of that stupid transaction! i hope this helps!
i have an update on my case. It was January 9 of this year when we finally went to the Philam Plans Office here in cagayan de oro after the so many calls we got from them re the limited offer daw. They even have a dealine as to until when you can avail the offer, usually within the day only. What's funny that i didnt notice b4 with this so called very limited offer that u can only avail the same day is that they keep on calling again to tell u of the offer and d deadline is again until that day only.
so going back to my case, after the swiping of my credit card and all the paper signing (w/c is only about 10mins i guess), i didnt even understand what the PLAN really is because they were very careful and focused on closing the deal w/o our direct consent. I immediately came back to their office 15mins after. I was like being hypnotized at their office and was awoke as soon i got out. That was really the feeling. I was really ashamed of myself then and didn't even discuss this with my family and friends. I was relieved when i found out this link, after all im not the only one and i really think the whole process ive gone thru with them was masterfully taught to them. If its nationwide i dont think the top managemnt or its head office is not aware of this. When I came back 15mins after I immediately asked for their manager and the rep who were there on the whole process. I wanted to cancel the whole plan and the credit card trnsxn. Suddenly then the rep is i think no longer allowed to talk to me. it was the manager (her name i wont 4get: Mary Jecelle Ramos-Go) who keeps on entertaining me. She told me the people who can cancel it are already gone (its after 3pm then). I should go back the next day she said. I also called the credit card company to ask if i can cancel the transaction since it's still a hanging trans and they told me it cant be. Only after they receive from Philam a chargeback request.
The next day I came back to Philam to be told by the same manager again that the credit card trnsxn was already submitted because its a routine daw 4pm of everyday to settle the swiping mahine! she should have told me that the day before or maybe she should have told me immediately that day of the transaction that the people pala who can cancel are the finance people because its a credit card trnsxn! she should have assisted me to the finance office the same day, sana nahabol! Its really a scam Im convinced! I wasnt even sit on the receiving area after my complaint, maybe afraid others will hear me.
After 3days of daily coming back to their office, the same mgr told me that i colud cancel if i write to the head office for cancellation. She told me to give tho her my cancellation letter so its faster daw to reach the ryt people. but i submitted my letter via email directly to their website. it was not fast but 3mos after, i receive an acknowledgemnt response from one of their higher-ups. i think i got the ryt person. months after the the acknowledgment, my request is still not moving. then i found out this link and included it in my follow-up emails. i told them its a pity this link is one of the top10 result when u seach for philam plans in google. then i included the url of this link in my email so they can read it.
Fortunately, after 11months of follow-up, i got the chargeback request for my credit card just this November. Its a chargeback so u wont get ur cash back even if it has long been paid, (i settled the whole mount of P46k when it came due the next month because id have more problem if it will incur such a big interest, 'twas really a headache). The chargeback will apply as a new payment for the current month. But its a great help that im out of that stupid transaction! i hope this helps!
Hi all! I wrote a letter to their main office last November 9, sent it through LBC (para mareceive agad nila). I received a phone call from Philam Plans the next day and they said they'll look into my concern. Last thursday I received a letter saying they received my letter and they are going to reverse the charge on my credit card. so i guess i'll get the entire amount. i simply need to return the policy (kakareceive ko lang din) as well as the cancellation form that came with their letter accepting my cancellation. i am glad with their fast response. I hope this doesnt happen to anybody anymore.
Hi miss Jem. Were you able to get a refund? HOw many days is the whole processing? Thanks.
gud pm ms.jem..sana po matulungan nyo din po ako kung paano ko po mahabol ang naihulog ko sa philam palans,,khit hindi na nga po buo basta meron din po..tulungan nyo po ako,tatanawin ko po malaking utang na loob po sa inyo...
Hi, just wanted to bump your blog up since this philam plans scam is ongoing again here in the Northern provinces of Luzon.
Same M.O.
Same techniques to try and get you to hand over your CC.
So I hope others will be forewarned when they receive a call from them. hehe
Hi, just wanted to bump your blog up since this philam plans scam is ongoing again here in the Northern provinces of Luzon.
Same M.O.
Same techniques to try and get you to hand over your CC.
So I hope others will be forewarned when they receive a call from them. hehe
Hi. Wow. Great thanks to your blogs.... I already confirmed to a PhilAm agent MS. Luisa Lee that I will be meeting them tomorrow at around 3pm Philam office Robinson Ortigas and she said that I have to look for Mr. Sherwin Pepito or Ms. Hanna Tsuji. Luisa Texted me "MY SECURITY CODE" kuno daw... But thanks for your blogs.. Now I know what kind of modus is this again. I have encounter two scum before this first was the "budolbudol gung when I was in 2nd year college" and the second one is thru my yahoo mail where they used my account and send message that I am needing a financial help.. This PHILAM insurance soon to be the third one.. I am so lucky that i have search "philam insurance cerificate" where i was able to read all yout blogs.. Many Thanks to all.
whew. i got the same call yesterday from PhilAms Davao.
i was also skeptical so I googled for scams. Good thing i bumped into this post.
thanks.
i got a call other day and was not aware of this scam, they asked me to go tgere this thursday. then they called again today and ask me if i could bring my metrobank credit card... i was a bit surprised so i google it and found this page... im so thankful... my curiosity saved me! thumbs up for this page and im hoping that everyone will be aware so that we will not be victimized by fraud statements of this insurance company -philam.
Good thing I've read these comments. Thanks for the heads up. I will just reject the Philam staff tomorrow and I will just be honest with her that I'm not really interested in getting an insurance in the first place.
Guys, just pray. WE have to trust God with our actions and decisions. WE have to include Him so we'll not get lost along the way. I believe that HE lead me to read this page.
God bless!
i got a call later this pm same as all the rest that posted a comment here. thanks! i was lighten up. i will not come tomorrow. they really asked me to bring my credit cards. hope that this scam will be ended. thanks again and God bless!
Hi guys, thanks a lot dahil sa mga nabasa ko ,i cancel kona yung calls na yun sced kuna sana tom sa cubao.sabi kuna nga ba scam na nman eto.question ko lang how they get our contact no. ?
I just received a call jut few minutes ago about having a personal FREE life insurance. Hmmm.. i know na something fishy na when the agent asked me if i have a credit card. They just need it for verification purposes daw that I need to bring 3 valid Id's which include my credit card. Wow ha!! obvious naman eh.. SCAM sya! Thanks to the web and for this post as well..
GANITO RIN NANGYARI SA AKIN..ANG MAITUTULONG KO LANG SA INYO AY GAWA KAU NG LETTER OF DISPUTE AT IPASA NYO SA BANK KUNG SAN KAU KUMUHA NG CREDIT CARD(KONTAKIN NYO ANG BANGKO NYO KUNG PAANO ANG PROCESS) AT GUMUWA RIN KAU NG LETTER OF DISPUTE AT IPADALA NYO OT EMAIL NYO SA KANILA SA PHILAM PLANS O PHILPLANS..SA GANUNG LETTER MAAKSYONAN NG HIGHER BOSS ANG GANITONG SISTEMA.. AT IF HNDI NILA PA RIN ICANCEL ANG TRANSACTIONS NYO ILAGAY NYO SA FACEBOOK OR KAHIT SA ANUMAN SA SOCIAL SITES ANG PINAGKAKAGWA NILA..YUN DIN ANG GAGAWIN KO PARA MADALA SILA
guys if youve been scam EITHER PHILAM AND PHILPLANS..CREAT A LETTER OF DISPUTE TO YOUR BANK AND WRITE A LETTER TO THE MAIN OFFICE OF THIS INSURANCE PLAN COMPANIES..THEN PAST THIS URL TO THEIR FACEBOOK OR ANY SOCIAL WEBSITE..paramatauhan sila sa ginagwa nila
guys if youve been scam EITHER PHILAM AND PHILPLANS..CREAT A LETTER OF DISPUTE TO YOUR BANK AND WRITE A LETTER TO THE MAIN OFFICE OF THIS INSURANCE PLAN COMPANIES..THEN PAST THIS URL TO THEIR FACEBOOK OR ANY SOCIAL WEBSITE..paramatauhan sila sa ginagwa nila
DAPAT MALAMAN NA TO NG MEDIA SA GINAGAWA NILA DAPAT ISUMBONG NA KAY TULFO..ANG MGA ITO PRA MALAGOT SILA...BWISIT ANG MGA TAONG GANITO..KARMA RIN ANG BABALIK SA KANILA
Hi everyone, i received several phone calls from PhilPlans telling me that i was referred by someone and/or i was chosen to be given a reward... the lady on the phone told me to claim my insurance certificate amounting to 25k in their office, then ask me if i have to show them 2 IDs' and a credit card, i told the lady that i am not interested to it and that i have my own insurance, the lady keep on calling, and when i told her that they are "scammers" she raised her voice and said "hindi kami scammers!!!!ambisyosa!!!"lol...this made me laugh...
people, pls be very cautious... never give your cc to others, don't be fooled with their flowery mouths... I hope the Government will know about this, and end it. GodBless everyone...
I got this call from this number 09255011208 and she's telling me that I am one of the 100 winners of the Free Insurance Coverage up to 65 years old. I did answer all the inquiries but I did not give details about my accounts. I just check the Internet (using Google) first about them and I am glad I see this Forum. We should do something about this incident, I is currently spreading here in Angeles City Pampanga. Thanks and More Power! God Speed!
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I received a phone call yesterday about this and the person from customer service (as what the agent said) told me to go over their office the same day. When they called again, i told her i can't make it and she asked for a different schedule. Bago na ang spiel nila. They told me that visa and mastercard have a promo and ey're hiving away free insurance from philam cubao. Since i'm skeptical about it, i asked her lots of questions. Which credit card are they referring to, how they got my number, what if i don't want to get the free insurance... They said they will just keep on calling me. They assured me that she will not sell me anything nor she is connected in any way with philam plans (but i was told to go there to the philam office in cubao to claim the "free policy"). I'm glad there are blogs written about this. This has been going on for years and they change their spiel from time to time. I'm writing this to warn others about their recent spiel. Right now they will tell you that you're one of the lucky few who won a policy from philam through visa and mastercard promo and you need to bring your card and an id upon claiming the policy. By the way, when i told her that if they're so insistent in giving me the policy, why not mail it directly to me. She said she needs to explain it and i need to declare my beneficiaries. Now that i have read several blogs about it, i have no intention of going there and wasting my time. I wish they would stop doing this.
Hi to Ms Jem. May i have a sample letter of dispute? I was hust scammed today and i want to send one asap.
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