Armed Forces and Police Mutual Benefit Association, Inc. (AFPMBAI) is pleased to announce the successful completion of its Third-Party Board Evaluation for 2025, conducted by the Institute of Corporate Directors (ICD).

This assessment reinforces AFPMBAI’s commitment to strong corporate governance, accountability, and continuous improvement in board effectiveness.

I. GEOGRAPHICAL SCOPE AND DURATION

This NATIONWIDE promo will run for a period of twelve (12) months starting, from January 05, 2026 to December 15, 2026.

II. ELIGIBILITY

The promo is open to ALL REGULAR (except AFPMBAI Employees) and ASSOCIATE MEMBERS of the AFPMBAI who are:

REGULAR MEMBERS

1. Military personnel in the active service of the Armed Forces of the Philippines (AFP);
2. Uniformed personnel in the active service of the Philippine National Police (PNP), Bureau of Fire Protection (BFP), Bureau of Jail Management and Penology (BJMP), Philippine Coast Guard (PCG) and Bureau of Corrections (BuCor); and
3. Retired and honorably separated or discharged AFP, PNP, BFP, BJMP and PCG personnel who converted their basic insurance into paid up insurance.

As defined in the attached Definition of Terms (Attachment A).

ASSOCIATE MEMBERS

1. Reservists, Cadets, Security Guards, CAFGUAA, Coast Guard Auxilliary, SCAA, NBI, Bureau of Immigration, NAMRIA, Airport Police, Customs Police, PDEA, Civilian employees of the AFPSLAI, Insurance Sales Force (ISF) and other AFP Financial Institutions, NUP/Civilian personnel of AFP, PNP, PCG, BFP, BJMP, BuCor, and other uniformed service units.
2. Spouses, direct ascendants, and direct descendants of regular members.

III. MECHANICS

1. The program is exclusive to regular and associate members with in-force basic membership insurance and all accredited Insurance Sales Force of AFPMBAI, Loan Agents, except AFPMBAI employees.
2. The program shall apply to all approved real estate loan products of AFPMBAI for new customers (i.e., not existing borrowers or past clients), for the period January 05, 2026 to December 15, 2026.
3. Cash reward: A fixed amount of Five thousand pesos (Php 5,000.00) for each successful referral with complete requirements and approved loan application.
4. Loans are subject to evaluation, document completion, and approval.
5. Expenses will be charged to the AFPMBAI Marketing Division’s “Promo & Business Development” budget.
6. All loan applications are subject to credit approval and standard underwriting guidelines.
7. The cash rewards will only be given to approved applications with complete documentary requirements.
8. Referrals must be submitted via the referral form or online portal.
9. Referrers cannot refer themselves.
10. A monthly consolidated sales report will be submitted to the Marketing Division by the 5th of each month.
11. AFPMBAI reserves the right to modify or terminate the program at any time without prior notice.
12. The date and time of signing are important in cases where two referrers have referred the same application. Therefore, the earlier date or time of signing will be recognized as the official referral entry.
13. Exclusions from the Promo:

• Referees who are not eligible to be an associate member or regular member of AFPMBAI under its By-laws.
• Referrers who submit their own Real Estate Loan applications.
• All AFPMBAI employees.

IV. GUIDELINES ON THE PROCEDURE/GRANT OF REFERRAL INCENTIVES

1. The Referrer must have an active contact number, a valid ID and a bank account (GCash or Land Bank ATM).
2. The ₱5,000 incentive shall be credited once the referee’s Real Estate Loan application is approved and with complete requirements.
3. The Real Estate Division will grant the Marketing Team access to the daily sales production dashboard through the Google Sheets tracking system, including the relevant details for both referrer and the referee.

Dashboard should include:

• Full name and rank of the member
• Branch of service
• Serial/badge number
• Active mobile number
• Unit assignment/location
• Type of loan applied for
• Approved loan amount
• Name of real estate specialist or support staff who closed the loan

4. Marketing Division shall coordinate with RED using the approved and complete requirements list provided by RED in Google Sheets. RED shall verify that the requirements are approved and complete and then submit the verified report to the Marketing Division.
5. The Marketing Division shall contact the successful referrers to collect their GCASH or bank account details, along with a Valid ID, in order to deposit the referral incentive.
6. Verified and approved applications with a GCash or ATM account, along with a valid ID, will be prepared with an RFP and forwarded to the Accounting Department and the CMD for the release of incentives.
7. All referral incentives are non-transferable.

V. DISQUALIFIED PARTICIPANTS:

AFPMBAI employees, suppliers, contractors, vendors, agencies and consultants, are disqualified from joining the promotion.

ATTACHMENT A – DEFINITION OF TERMS

• INSURANCE SALES FORCE (ISF) – accredited insurance representatives or agents representing AFPMBAI assigned in the RSSC’s/branches/extension offices who are tasked sell and perform product presentation and providing assistance on the referred insurance plans
• REFEREE – a member/prospective member who is referred by the Referrer to the Insurance Representative for them to avail Real Estate Loan product of AFPMBAI.
• REFERRER – a regular and associate member, except AFPMBAI employees, who refers another member/prospective member to avail Real Estate Loan product of AFPMBAI.
• REFERRAL – is the act of the Referrer referring to a member/prospective member to avail of an insurance plan.
• REFERRAL INCENTIVE – is a reward given to the Referrer for every real estate loan with approved and complete requirements.
• REGULAR MEMBERS – as defined in the By-Laws shall refer to:
  • military personnel in the active service of the Armed Forces of the Philippines (AFP);
  • uniformed personnel in the active service of the Philippine National Police (PNP), Bureau of Fire Protection (BFP), Bureau of Jail Management and Penology (BJMP), Philippine Coast Guard (PCG) and Bureau of Corrections (BuCor); and
  • retired and honorably separated or discharged AFP, PNP, BFP, BJMP and PCG personnel who converted their basic insurance into paid up insurance.
• ASSOCIATE MEMBERS – Reservists, Cadets, Security Guards, CAFGUAA, Coast Guard Auxilliary, SCAA, NBI, Bureau of Immigration, NAMRIA, Airport Police, Customs Police, PDEA, Civilian employees of the AFPSLAI, Insurance Sales Force (ISF) and other AFP Financial Institutions, NUP/Civilian personnel of AFP, PNP, PCG, BFP, BJMP, BuCor, and other uniformed service units.

AFPMBAI is offering selected acquired residential lots located in Tanza, Cavite and Lipa, Batangas. These properties are available to Regular and Associate Members at competitive prices.

GOLDEN SUNRISE MUTUAL HOMES, TANZA, CAVITE

* Exclusive of VAT and other applicable taxes

SOCIALIZED LOT

LA TIERRA VERDE MUTUAL HOMES, LIPA, BATANGAS

* Exclusive of VAT and other applicable taxes

Are you an AFPMBAI member? Great news! You can earn up to PHP 1,000.00 in cash for every new member you successfully refer to the Association who decides to become a Member or buys an insurance plan.

Here is how you can start earning:

Who can join:
The promo is open to all Regular and Associate AFPMBAI members, including their qualified dependents.

How it works:
Simply invite someone to apply for membership or purchase an insurance plan. Just make sure your name and complete contact details are indicated as the “Referrer” on their insurance application form.

Promo duration:
The promo runs from January 5 to September 30, 2026. Take note that this is limited to the first 8,000 successful referrals, so do not miss your chance to refer and earn!

PROMO MECHANICS

I.GEOGRAPHICAL SCOPE AND DURATION

This NATIONWIDE promo will run for a period of eight (8) months starting, from January 05, 2026 to September 30, 2026.

II.ELIGIBILITY

The promo is open to ALL REGULAR and ASSOCIATE MEMBERS of the AFPMBAI who are any of the following:

REGULAR MEMBERS

1. Military personnel in the active service of the Armed Forces of the Philippines(AFP);
2. Uniformed personnel in the active service of the Philippine National Police (PNP),Bureau of Fire Protection (BFP), Bureau of Jail Management and Penology (BJMP),Philippine Coast Guard (PCG) and Bureau of Corrections (BuCor); and
3. Retired and honorably separated or discharged AFP, PNP, BFP, BJMP and PCG personnel who converted their basic insurance into paid up insurance or who enrolled in MBAI iProtek (Plan 499/999).

As defined in the attached Definition of Terms (Attachment A).

ASSOCIATE MEMBERS

1. Reservists, Cadets, Security Guards, CAFGUAA, Coast Guard Auxilliary, SCAA, NBI, Bureau of Immigration, NAMRIA, Airport Police, Customs Police, PDEA, Civilian employees of the AFPSLAI and other AFP Financial Institutions, NUP/Civilian personnel of AFP, PNP, PCG, BFP, BJMP, BuCor, and other uniformed service units.
2. Spouse, parents, and children of regular members.

III. MECHANICS

1. A regular or Associate member who refers another member (the Referrer) to signup for a Permanent Insurance Plan (PIP), MBAI Protek (for PNP only) or MBAI iProtek (for Associate Members) (the Referee) shall receive referral incentives outlined below, provided that the signed application has been effected or is already included in the remittance list. The promo is limited to a maximum of eight thousand (8,000) approved referrals.

2. A Regular Member who refers a qualified PNP personnel who signs up for either a PIP or MBAI Protek shall be entitled to receive the following:

Note: PNP personnel must first avail of MBAI Protek to be eligible for PIP.

3. In the event that an ISF commits any unethical act, including but not limited to collusion with a policyholder for the purpose of obtaining incentives, or engages in similar unethical practices as previously observed in referral programs (e.g., the Insure and Refer Rewards Program), such as intentional duplication of insurance policies, appropriate disciplinary action shall be imposed. This shall include forfeiture and deduction of all incentive amounts from the representative’s commission and may include suspension or other administrative sanctions, depending on the severity of the violation.

4. SMD personnel shall verify the identities of both Referrer and Referee. The Marketing Division will provide regular program updates during ManCom meetings.

5. Referral incentives shall be awarded to individual Referrers only. Referrals shall be processed through branch personnel or ISFs. Thus, ISFs and/or branch personnel must completely fill out the Referrer’s Information stamped on the application form prior to submission.

6. Online referrals submitted directly by members shall also be allowed.

7. After the Referee fills out and signs the application and ATD Forms, the ISF and/or branch personnel must completely fill-out the stamp box with the following information:

• • Referrer’s Name
  • Referrer’s Rank, Branch of Service and Serial/Account No.
  • Referrer’s mobile number(GCash) or Land bank ATM Account
  • Date and time of signing

8. The date and time of signing shall determine the official Referrer in cases where two members submit the same referral.

9. Applications with incomplete Referrer information shall not be processed for referral incentive.

10. All application and ATD forms shall be submitted to the nearest AFPMBAI branch or extension office through the Insurance Sales Force (ISF) personnel for processing. The ISF Personnel shall be in charge of product presentation and providing assistance on the referred business, when necessary.

11. Referrers may request a scheduled caravan for product feature presentations.

12. Exclusions from the Promo:

• • Referees who are not eligible to be an associate member or regular member of AFPMBAI under its By-laws.
  • Referrers who submit their own MBAI Protek (for PNP personnel only)Permanent Insurance Plan (PIP) and MBAI iProtek applications.
  • If there is already an PIP, MBAI Protek or MBAI iProtek application in process.
  • Applications without “Effected” status in Accedata or not certified by the RSSC Head as included in the latest Remittance List.

IV. GUIDELINES ON THE PROCEDURE/GRANT OF REFERRAL INCENTIVES

1. The Referrer must have an active contact number, a valid ID, and a bank account (GCash or Land Bank ATM).

2. The incentive shall be credited once the referee’s insurance application is effected.

3. UPMD shall update the Google Sheet tracking system with relevant details for both referrer and referee:

• For Referrer: BOS, date received, (RSSC) date signed, time signed, rank, name, serial number, ID number, unit assignment, birthdate, contact number, ISF code, area (RSSC), received by (RSSC), name of Insurance Sales Analyst, and policy type.
• For Referee: BOS, rank, referee name, insured name, serial/account number, ID number, birthdate, email address, mobile number, date signed, application number, application status, and policy type.

4. Marketing Division shall coordinate with AMD with the approved policy list from UPMD. AMD shall verify the effected policies and submit the verified report to the Marketing Division.

5. The Marketing Division shall contact the successful referrers to collect their GCash or bank account details, along with a Valid ID, in order to deposit the referral incentive.

6. Verified and approved applications with a GCash or ATM account, along with a valid ID, will be prepared with an RFP and forwarded to the Accounting Department and the CMD for the release of incentives.

7. All referral incentives are non-transferable.

V. DISQUALIFIED PARTICIPANTS:

AFPMBAI employees, suppliers, contractors, vendors, agencies and consultants, including their relatives up to second degree of consanguinity or affinity, are disqualified from joining the promotion.

ATTACHMENT A – DEFINITION OF TERMS

1. CARAVAN – an event where a team composed of AFPMBAI branch personnel, ISF, or Loan Agent visits a camp or worksite for MBAI Protek product feature presentations.
2. EFFECTIVITY DATE –the date by which the Permanent Insurance Plan (PIP) insurance coverage takes effect after the payment of the first monthly premium.
3. INSURANCE SALES FORCE (ISF) – accredited insurance representatives or agents representing AFPMBAI assigned in the RSSC’s/branches/extension offices who are tasked to sell and perform product presentation and providing assistance on the referred insurance plans.
4. PERMANENT INSURANCE PLAN (PIP) – an optional insurance plan offered by the Association to both regular and associate members, provided that they have an in-force MBAI Protek or MBAI iProtek.
5. REFEREE – a member/prospective member who is referred by the Referrer to the Insurance Representative for them to enroll in a PIP or MBAI Protek.
6. REFERRER – a regular member, except AFPMBAI employees, who refers another member/prospective member to avail of an insurance plan from AFPMBAI.
7. REFERRAL – is the act of the Referrer referring to a member/prospective member to avail of an insurance plan.
8. REFERRAL INCENTIVE – is a reward incentive given to the Referrer for every effective insurance application.
9. REGULAR MEMBERS – as defined in the By-Laws shall refer to:
   1. military personnel in the active service of the Armed Forces of the Philippines (AFP);
   2. uniformed personnel in the active service of the Philippine National Police (PNP), Bureau of Fire Protection (BFP), Bureau of Jail Management and Penology (BJMP), Philippine Coast Guard (PCG) and Bureau of Corrections (BuCor); and
   3. retired and honorably separated or discharged AFP, PNP, BFP, BJMP and PCG personnel who converted their basic insurance into paid up insurance, or those who enroll in MBAI iProtek (Plan 499/999).

The MRSSC team, led by Mr. Deon Corong II, handed over the vehicle to FO2 Bandigan.

MATI CITY, DAVAO ORIENTAL – The start of 2026 was very fortunate for FO2 John Kean Panopio Bandigan. This brave firefighter stationed at the Mati, Davao Fire Station, has officially claimed his grand prize from the 2025 Loyalty Rewards Raffle Promo.

The lucky Bureau of Fire Protection (BFP) member now proudly owns a sleek, brand-new Toyota Raize, the top prize from last year’s much-anticipated raffle.

A Reward for Service and Loyalty

The Loyalty Rewards Raffle is AFPMBAI’s way of saying “thank you” to the dedicated members who continue to trust the Association with their financial security. Seeing the prize reach FO2 Bandigan in Davao is a testament to this program’s nationwide reach.

Are YOU the next winner?

FO2 Bandigan’s win proves that loyalty really does pay off! The AFPMBAI is committed to bringing more rewards and better services to its members and their families across the Philippines.

Stay tuned to AFPMBAI’s official website and social media pages for more updates, upcoming promos, and member benefits. Congratulations again, FO2 Bandigan! Drive safe and enjoy the ride!

Congratulations to our November winners! You will receive a message shortly from our official AFPMBAI account. Thank you for participating in our Connect & Win Promo and for taking the time to update your membership information.

Scope of Work / Services

• Supply and delivery of Nutanix storage equipment and other required materials.
• Installation and integration of the Nutanix storage to the existing Nutanix server.
• Testing and fine-tuning to ensure proper integration into the existing infrastructure.

Project Duration / Delivery Schedule

• Delivery of equipment: within 60 calendar days from Notice to Proceed.
• Implementation: 3 days after delivery.
• Fine-tuning: 1 day after implementation.
• Maximum allowable extension: up to 120 days, subject to AFPMBAI approval.

Mode of Payment

• 50% upon contract signing with the selected provider (mobilization/down payment).
• 50% upon completion and acceptance of deliverables.

Bid Submission Requirements (Sealed Envelopes)

• Envelope A: Company Profile (Eligibility).
• Envelope B: Commercial Proposal + Project Implementation Proposal.
• Envelope C: Draft Services Agreement.

Bidding Documents Cost and Release

The cost of Bidding Documents shall be One Thousand Pesos (Php 1,000.00). Bidders shall pay the stated amount directly to the AFPMBAI Cashier. For this purpose, bidders shall secure the required payment form from the BAC Secretariat. The payment made shall be non-refundable.

The Bidder shall submit a Letter of Intent and attachments either thru email: jgr.villanueva@afpmbai.com.ph / Viber No. 09173170966 – BAC Secretariat or submit the hard copy to the following address: BAC Services Secretariat, AFPMBAI Bldg., Col Bonny Serrano Road cor EDSA, Quezon City.

Inquiries

• BAC Secretariat: John Gilbert R. Villanueva
• Email: jgr.villanueva@afpmbai.com.ph
• Viber: 0917-317-0966

QUEZON CITY — On January 12, 2026, the Armed Forces and Police Mutual Benefit Association, Inc. (AFPMBAI) gathered its workforce for a Town Hall Meeting focused on the theme “Service with Malasakit.” The event served as both a victory lap for the previous year’s successes and a strategic roadmap for a future built on compassion and accountability.

The program opened with a solemn prayer, centering the Association’s mission on its core values before diving into the business of the day.

Strategy and Success: Looking at the Numbers

The meeting kicked off with a deep dive into AFPMBAI’s performance. Mr Geraldsam S Agbay, Head of the Strategic Management Office, presented the 2025 Milestones and 2026 Targets. His report painted a picture of an organization that is not only meeting its goals but exceeding them through disciplined execution.

Following the strategic update, President and CEO RAdm Dorvin Jose L Legaspi PN (Ret) took the floor for the Leaders’ Address. His message was one of stability and momentum. “The Association ended 2025 strong, stable, moving and looking forward,” RAdm Legaspi noted, emphasizing the healthy state of the Association.

He was quick to remind the team that their strength comes from teamwork, stating, “AFPMBAI is united by service, purpose and shared responsibility.” Moving into the new year, his directive was simple and uncompromising: “Let’s get it done. Walk the talk.”

RAdm Legaspi’s final reminder was the ultimate “why” behind the Association’s hard work: “Service with malasakit, para sa Buhay na Panatag.”

A Unified Commitment

The momentum continued as various Office Heads and Managers took the stage to share their Service Commitments and Key Takeaways. This segment allowed leadership to translate the day’s aspirations into actionable departmental goals, ensuring that “Malasakit” is felt at every touchpoint of the member experience.

The Heart of the Matter: Service with Purpose

The energy shifted as the event welcomed guest speaker Arun Gogna, a best-selling author and renowned advocate for purposeful service. Speaking on “Service with Heart and Purpose,” Gogna bridged the gap between professional targets and personal calling.

Gogna stressed that true organizational growth is a multi-faceted endeavor. He shared: “Service for growth involves increasing scale, satisfying customers, bigger savings and symbiosis/relationships.”

He also touched on the Filipino spirit of “bayanihan” (cooperation), reminding the audience that no one succeeds in a vacuum. “Pag malaking pangarap, di mo kayang gawing mag-isa. Kailangan mo ng katulong,” (When a dream is big, you cannot do it alone. You need help), he explained. His message resonated with a final, powerful sentiment: “Greater service = greater blessings.”

This is a testament that while excellently serving, AFPMBAI is also achieving growth and development.