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CAP Insurance, any experience?

tops5450 · 188 · 74237


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Bale may Cap Pension Plan ako na kinuha ko way back 1997. I paid it for 5 years of around 30K and waited for 5 years to mature of which ang value lang nung plan for redemption is 40k. So bale last year (that is 2007) my plan was supposedly to mature. Kaso nga lang, when I came to redeem it, mukhang ala pondo para doon. Hay eto, keeping my fingers closed to keep my certificate copy baka later-on makabangon sila at ng ma-redeem ko na rin siya sa wakas.

Any experiences from them. Share niyo naman guys.
« Last Edit: Feb 04, 2009, 06:59 AM by FutureGizmo »


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I do have an Educational Plan in CAP for one of my kids..kaso 3 years ko pa lang nakuha (paid it in cash)..nagkaron na ng problema. Now wala na kong news about still hoping someday makabawi pa cla since they still have a siginificant amount of Asset naman..nd nga lang liquid.

If someone could share any new insights on what's the status of CAP pls. do share. BAD or GOOD still a news.


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CAP Pension & CAP Educational Plan are different, they are incorporated in a seperate corporation, therefore they have different trust accounts as prescribe by SEC.

As far as I know, CAP Pension has enough ASSETS in CASH while the CAP Educational Plan has ASSETS but Illiquid assets (mostly in real estate in a far far away). All ASSETS of both company are being manage by the Trustee (Bank w/ Trust license) under the close supervision of SEC.

Recently, the CAP Board of Directors filed a resolution to change the one who handles there Assets (under trust) to another bank, however it is still subject to approval of SEC.
« Last Edit: Jun 24, 2008, 11:19 PM by foolcha »


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Aba mukhang may pag-asa ata iyong cap pension plan ko na i-claim? Any ideas po what is the regular process nito. Kasi nung pumunta ako doon last year, they told me that I should have filed it one year before the maturity of the plan. But in any case, they want me to surrender the certificate and pay me the following year. Ganun ba po ba talaga ang pag-claim diyan?

Salamat po sa magbabahagi ng information. Baka may member na cap agent dito sa site. Paging po. Pakisagot.


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that i don't know. although, we are the trustee of CAP I really don't know the claiming process, only people from CAP would know that and besides i really don't handle the CAP accounts only the retirement accounts. hihi... :D
« Last Edit: Jun 24, 2008, 11:21 PM by foolcha »


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Paging former/active cap agents po dito. Baka kako po e may ibabahagi po kayong inputs. Thanks po.

Kaibigang foolcha, salamat po sa book na Pwede na. Eto binabasa ko na siya ngayon.


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Thats NP. I hope you learn a lot from the book, if you could grab a copy of the latest issue of moneysense magazine july-august issue the comprehensive financial plan i did for a couple in their mid 20's will be featured in the ask the expert column (i'm not an expert pa) alongside the real experts like mr. efren cruz (author of the book pwede na!) & ms. salve duplito (personal finance columnist). Actually excited din ako makita yung july-aug issue, wala pa kasi yung copy eh! :)


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foolcha is ther a way i can get a hold of moneysense mag dito sa qatar? mukang bagay sakin yung article na yun a espp now im really pushing towards learning the ropes for financial freedom as early as now.

as for the topic, bebeficiary ako ng CAP educ plan. although nagamit ko nmn yung 4 years ko sa college, hindi ko nakuha yung incentive ko na pag nkagraduate ontime e me bonus money sila ibibigay... di ko na din pinursue kc compared sa iba, npakaliit ng problema ko di ba.. saka nung last year na ng educational plan ko napakahirap na kumuha sa CAP and if i can remember medyo mlaki din yung idinagdag namin... di ko pa kc naiintindihan dati yung mga ganyang bagay e kya hindi ako attentive. :)


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Sir kiko2007

I don't think possible yun, siguro what we can do is for your relatives to buy you a copy then send it via fedex. you can check the website of moneysense baka sakali pwede or if you have any questions about anything basta related sa money management you can send me a pm maybe I could help you.

With regards to CAP I ask the one who is in charge of the our CAP accounts sabi niya ang latest daw sa CAP ay hinde pa ina-approve ng SEC yung pag transfer ng trustee ng CAP to another bank.


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Please also update me on anything sa CAP, my brother has one, fully paid but he wasn't able to avail it, we file a claim when he was in his first year college, he's going to graduate na this october, even a cent, cap wasn't able to pay for his education.


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Well for one, I am a beneficiary of CAP Educational plan and was able to use it during college. But my parents who are both CAP pension holders were not able to claim from the company after it closed down.

Just last week, a friend of mine told me that she was able to claim little amount on a staggered basis but it will take longer time. I ask her how? She told me that you should first file a claim. I did not inquire much about it anymore. Maybe we should go the CAP office and ask.

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i have a friend who got an insurance plan from CAP. it was actually 3 years ago when i went with him to claim his cheque for his tuition fee at UST. processing the papers, falling in line and waiting for it to be released took us a week. but it was arranged. they paid after all.


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hey guys, 3 ang Educational plan ko sa Cap. isa yung Cap plus na nag mature last july 2008, sinabihan kami noong February this year na dapat i-apply 1 month before the maturity to claim the 6mos lang daw makukuha na ang checks.dahil busy end of july 2008 na nagpunta misis ko to submit lahat ng papeles,lahat ng original na resibo at orig. cert of full payment, kapag daw lump sum ang gusto nmin halos 48k ang bawas sa orig amt na dapt naming makuha in 4 years installment, ok na din kaya pumayag kami, makuha lng nmin ng biglaan.nag follow up misis ko after 2mos, ang sagot sa claims section ng aleng analou larya ..ehh year 2007 plans daw binabayaran nde sila nagbibigay specific time or date kelan, sabi noon 6mos lng babayaran na, minsan sinubukan ko tumawag overseas.hay naku, ang sabi naman sa treasury nung aleng tess cuisia 2005 plans daw ang pina process nila.ubod ng yabang at sanay sa kasinungalingan kasi wla daw sila sinsabi na 2007 plans o w/in 6mos lng babayaran na,at lahat daw ng matured plans kupleto daw binabayaran o di sila nag ooffer ng lump sum.ewan ko ba kung alam nya sinasabi nya.itinuro ako sa isang mamerto marcelo-CAP receiver daw ng Makati RTC at gumawa daw ng demand letter at sabihin na daw lahat ng gusto kong sabihin..sila pa parang may pinag mamalaki. :boxing: in other words kung hindi ka makapag hintay idemanda mo ang in see you in court.. o diba? noong nagbabayad ako..isang araw ma delay yung hulog..may i need the money sasabihin sau maghintay ka, hanggang kelan? yung ang di nila masagot. :help: umaasa pa din..kasi may 2 pa akong plans na malapit lapit na din mag mature.malaking pera din ang naibayad ko sa 3 plans halos 400k. yan ang latest experience namin sa CAP.guys :thankyou: :thankyou:


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Matagal ko ng ikinuha ko ng CAP College ang eldest daughter ko who was born on 1989, shes a sophomore this school year... We tried to claim her policy before her freshman year, but to no avail. Ngayon, nagka utang-utang na ako for her studies na dapat binabayaran ng CAP... If you guys have any news or updates regarding CAP College, please tell me so I can do something to get my investment back. TYVM


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