M.Lhuillier has diversified into various products and services thru its Insurance and Special Products Division (ISPD). With insurance as its core business, ISPD also developed products and services in telecoms, food products, logistics and ticketing services.

Insurance Plans

The recently established M.Lhuillier General Insurance Agency, Inc. is the company’s enabler to offer various life and non-life insurance products in partnership with reputable insurance companies such as:

  • Philippine American Life Insurance Company
  • Paramount Life & General Insurance Corp.
  • MAA General Assurance Philippines, Inc.
  • PhilLife Financials


Personal Accident Insurance

Pawners Protect
(PHP 10.00)
Kwarta Padala Protect
(PHP 5.00)
Family Protect
(PHP 30.00)
Pinoy Protect Plus
(PHP 50.00)
Family Protect Plus
(PHP 90.00)
Accidental Death 30,000 20,000 30,000 30,000 30,000
Disablement/Dismemberment 30,000 20,000 30,000 30,000 30,000
Motorcycling 30,000 20,000 30,000 30,000 30,000
Burial Assistance None None 10,000 10,000 10,000
Cash Assistance None None None 10,000 10,000
Educational Assistance None None None 5,000 None
Fire Assistance None None None None 5,000
Term 4 months 1 month 1 year 1 year 1 year
Qualified Ages 18-65 18-65 7-70 18-75 18-75
No. of Beneficiaries 1 1 1 2 5

CTPL (Compulsory Third Party Liability) Insurance

Vehicle Class
Annual Premiums
Motorcycle PHP 340.40
Private Car PHP 650.40
Commercial Vehicle (Light & Medium) PHP 700.40
Commercial Vehicle (Heavy) PHP 1,290.40
LTO (MC) PHP 340.40
LTO (Heavy) PHP 1,190.40

Dengue RX

Annual Premiums
Dengue Hopitalization Coverage
(Consumable Reimbursement)
Accidental Death, Disablement, Dismemberment
Child (0-20 y/o) PHP 500.00 30,000 10,000
Adult (21-59 y/o) PHP 150.00 30,000 10,000


M.Lhuillier, in partnership with Smart Communications, Load One Telecomms and Load Central, provides wide selection of load products and other merchandise such as:

  • Regular E-Loads for Smart, TNT, Globe and TM subscribers
  • Retailer SIM cards and Retailer Loads for Smart retailers
  • SmartBro and Globe Tattoo Pocket WiFi devices
  • Globe and TM Prepaid SIM cards
  • Satellite TV Loads (Cignal, Sky Cable, GSat etc.)
  • Gaming Products (zGold, MOL Points, Steam, Garena, Mobile Legends, Game Club, Blizzard etc.)

ML Cargo Padala

M.Lhuillier ventured into logistics retailing in partnership with different 3PLs (Third Party Logistics) like Airspeed, Black Arrow Express and Cargo King. This enables M.Lhuillier branches nationwide to accept parcels/packages for delivery. ML Kargo Padala also utilizes its vast network to cater the growing needs of e-Commerce by enabling its branches as sellers’ drop-off and buyers’ pickup points.

ML Travel and Tours

To meet the demands of the increasing number of travelling Filipinos, ML Travel and Tours partners with different airlines, shipping lines, bus lines, and other travel/tour providers. Below are the list of tickets available in M.Lhuillier branches nationwide:

  • Cebu Pacific
  • Philippine Airlines
  • Air Asia
  • 2GO Travel
  • SuperCat
  • Trans Asia
  • Hotels and Tour Packages via Asia Travel

Food Products

M.Lhuillier manufactures wide variety of food products through its subsidiary-M.Lhuillier Food Products, Inc. These include:

  • Dried Mango
  • Dried Pineapple
  • Dried Mango-Tamarind
  • Dried Jackfruit
  • Dried Coconut
  • Driend Mixed Fruits
  • Mont St. Michael Drinking Water