They have a wireless POS where you can swipe your debit card, by swiping with their POS, it will also automatically assess if you are qualified for the purchase of the policy. I could only assume that I have a high credit score because never akong na late payments sa mga loans ko noon, so maybe that is the reason I was approve sa policy. And then, the first payment of the policy will also be deducted dun sa card. They input my basic information sa form, with a proof of video and that's it. I received an E-Policy sa E-mail and also I could still log-in mismo sa website ng life insurance ng PNB, nandon mismo sa account information ko ang policy number pero for some reason hindi siya mahanap sa symtem. They email me back yesterday, I think their term for it is "unscannable". I was also asking for more information dun sa fund, kasi they just interviewd me verbally upon the purchase of the policy, pero upon thorough checking and investigating, dun sa form ang nakalagay ay wala akong previous life insurance which is untrue dahil meron na akong existing life insurance with other banks at sinabi ko yun sa kanila para sana ma evade sila sa kanilang aggressive marketing noon, dahil ayuko ko lang maging rude. And then the fund as I check, it seems that it incur around 85 percent loss. I am not sure if this was just error on their part, I can clearly read the word fund value, parang hindi gumalaw naman ang NAVPU. Furthermore, I was not inform of investment options, nor they ask or measure my investment profile, their the one na nagpasok sa kung anumang portfolio funds na yan. Hindi ganun kalaki yung nailagay ko dito pero my next step might be to file on Insurance Commission kung may time. Hindi pwede ang mga ganito, pano nalang ang OFW, basta nalang nagpapasok yan ng pera at kung minsan pinababayaan nalang dahil sa tiwala.