HEROES HOME REWARDS REFERRAL PROGRAM

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.