Frequently Asked Questions

Always pay on the due date or within the 31-day grace period. The frequency of your payment depends on the mode of payment chosen:

Annual (Once a year)

Semi-annual (Twice a year)

Quarterly (Four times a year)

Monthly (Twelve times a year)

NOTE: The less frequent the mode of payment is, the less you pay!

If your premium is not paid within the grace period, your policy will lapse and thus will no longer be able to provide the protection and benefit it was intended to. If your policy, however, has enough cash value, you can use this to cover your premium due. See Policy Loan, Policy Reinstatement and Non-Forfeiture Option for more details.

Payments made beyond the grace period will result to policy lapsation unless the policy has earned sufficient cash values to pay for future premiums and the Premium Loan Option was selected at the time of insurance application. In such case, the premium due on the policy will be treated as a loan as provided for in the Premium Loan provision.

Premiums paid after the grace period may result in the termination of insurance protection or reduce your insurance coverage.

Submit 2 copies of a duly accomplished (i.e. must be dated, signed and witnessed) Policy Detail Amendment Form and pay the chosen modal premium to any of our branch offices nearest you.

The chosen mode should conform to the cycle of the original mode of premium payment. For example, if the original mode was quarterly, then you may shift to an annual basis only on the policy anniversary, i.e. on the first quarter payment date.

Payments from overseas remittances will be confirmed after 3- 7 banking days.

You may call the AIA Philippines Call center or go to your nearest AIA Philippines branch and kindly provide the proof of payment & policy number

You may call the AIA Philippines Call center or go to your nearest AIA Philippines branch to have your payment amendment. Kindly provide the proof of payment & policy number.

If premium was paid outside an AIA Philippines branch, recognition of payment is 2 days. If after 2 days and you haven’t received a confirmation SMS, please call the AIA Philippines Call center or go to your nearest AIA Philippines branch to have your payment status checked. Kindly provide proof of payment.

Please call the AIA Philippines Call center or go to your nearest AIA Philippines branch to have your policy payment amended. Kindly provide proof of payment.

The Official Receipt will be available in ePlan for viewing after 5 days of payment. You will receive your hard copy official receipt after 21 working days.

You may request for the status of the delivery of your official receipt through AIA Philippines Call center or through any of the AIA Philippines Branches.

You may request for a scanned copy of the issued official receipt through AIA Philippines Call center or through any of the AIA Philippines Branches.

Continuously enjoy the benefits of your protection coverage as your premium payments will automatically be charged against your credit card or debited from your bank account. To enroll, click here. 

You can also reach out to your Financial Advisor to assist you with your request. 

Important reminder! Make sure your contact information is updated for you to receive the enrollment and/or payment link via your e-mail and mobile number. The fastest way to update your contact information is by filling out this form here. Please allow us 2 working days to update your record with us. 

You can also change your contact details in My AIA, our all-new customer portal. 

If the policyowner is a corporation, you may update your contact information by filling out the Policy Detail Amendment Form. It should be signed by an officer of the corporation and must be accompanied by a Corporate Secretary’s Certificate and Board Resolution authorizing the change on the policy and giving authority to the executing officer to sign on behalf of the corporation. Please visit any of our Customer Service Centers or reach out to your Financial Advisor who can assist you with your request.

Never miss receiving important news about your policy and its benefits by ensuring your e-mail address or mobile number in our records is always up to date. The fastest way to update your contact information is by filling out this form here.  

You can also log-in to our all-new customer portal, My AIA If you have an existing Eplan account, you may use it to access My AIA. To update your contact details in My AIA:   

    •  In your HOME page, select “Update Contact Information”; or 

    •  Select the “PROFILE” tab and click EDIT to update your Mobile Number, Email Address and preferred Mailing Address; or

    •  View details of your policy and go to “Update Policy Information” at the bottom of the page. 

Important Reminder! If the policyowner is a corporation, you may update your contact information by filling out the Policy Detail Amendment Form. It should be signed by an officer of the corporation and must be accompanied by a Corporate Secretary’s Certificate and Board Resolution authorizing the change on the policy and giving authority to the executing officer to sign on behalf of the corporation. Please visit any of our Customer Service Centers or reach out to your Financial Advisor who can assist you with your request.

For increase or decrease of coverage, submit the following documents:

• Two copies of a duly accomplished (i.e. must be dated, signed and witnessed) Policy Detail Amendment Form indicating desired change in coverage as well as the Policy Contract.
• A duly accomplished Health Statement Form and other proof of good health as may be required by the Company.
• Payment of cost for the premium difference of the old coverage to the new coverage
• Policy Contract
• Increase in face amount is allowed within one year from original effective date.
• Plan should be eligible for increase or decrease of coverage.

Any policy change which will result in the reduction of coverage or benefit will require the consent of any assignee or irrevocable beneficiary. On the other hand, if the policy change will result in additional benefits, AIA Philippines reserves the right to add additional requirements whenever necessary.

The most common beneficiaries are immediate family members, descendants, heirs, employers, established business partners and charities of the insured. Here we apply the concept of “insurable interest” wherein we scrutinize the legitimacy of a life insurance policy and its beneficiary. The intention of life insurance is to provide financial assistance to the beneficiary after the death of the insured therefore the beneficiary must have an insurable interest with the insured. He/ She should not gain with the loss of the insured’s life.

Submit 2 copies of a duly accomplished (i.e. must be dated, signed and witnessed) Policy Detail Amendment Form and pay the chosen modal premium to any of our branch offices nearest you.

The chosen mode should conform to the cycle of the original mode of premium payment. For example, if the original mode was quarterly, then you may shift to an annual basis only on the policy anniversary, i.e. on the first quarter payment date.

Yes, you may change your beneficiary anytime as long as the policy is in force. If the current beneficiary is designated as irrevocable and is of legal age, his consent is necessary to effect the change. If the irrevocable beneficiary is a minor, he can only express his consent through a guardian duly appointed by the court.

Submit 2 copies of a duly accomplished (i.e. must be dated, signed and witnessed) Policy Detail Amendment Form to any of our branch offices nearest you. This form can also be used to delete your previous beneficiaries. You may designate your beneficiary as revocable or irrevocable.

Submit 2 copies of a duly accomplished (i.e. must be dated, signed and witnessed) Policy Detail Amendment Form to any of our branch office nearest you together with the following documents:

• Photocopy of your marriage contract if the change of name is due to marriage. (Original copy to be presented.)
• Copy of the Certified True Copy of the Entry of Judgment and Decision issued by the court where the case was filed if the change is due to legal separation/ annulment.
• Photocopy of any valid ID or document containing your correct name (e.g. Birth Certificate, Baptismal Certificate, Valid Passport, Driver's License, Valid Company ID, SSS) if the nature of the change is due to the correction of your name.
  (Original copy to be presented)

NOTE: Request indicated in the policy change form will still be subject to approval of the Company.

Your life insurance policy can be assigned as collateral for a personal loan to a third party (i.e. bank). During policy assignment, the owner cannot exercise his ownership rights without the consent of the assignee.

Submit a duly accomplished and notarized (i.e. must be dated, signed and witnessed) Policy Assignment Form in duplicate copies together with the Policy Owner’s Identification Cards. Any irrevocable beneficiary or assignee should sign the form submitted with the Original Policy Contract. If the policy contract is missing, submit a duly accomplished Indemnity Agreement Form (Request for Replacement of Lost Policy), dated, signed, witnessed and duly notarized by a notary public and have the irrevocable beneficiary or assignee (if any) sign the form. Payment of rewriting fee will be required.

For cancellation of policy assignment, submit a Certification from assignee relinquishing interest on the policy and the policy contract.

Submit a duly accomplished (i.e. must be dated, signed and witnessed) Policy Loan Form in duplicate copies together with the Policy Owner’s Identification Cards.

The irrevocable beneficiary or assignee should sign the form submitted with the Original Policy Contract.

If the policy has a minor irrevocable beneficiary and the loan amount is up to P500,000, an Affidavit of Guardianship will be required to be filled-up by the father, or in his absence or incapacity, the mother of the minor. In the absence or in case of the incapacity of the father or mother, the grandparent, the eldest brother or sister at least eighteen (18) years of age or any relative who has actual custody on the minor insured or beneficiary, shall act as a guardian without need of a court order or judicial appointment as such guardian, as long as such person is not otherwise disqualified or incapacitated. For loan amount that exceeds P500,000, a Guardian’s Bond approved by the court and Certified True Copy of the Court Order appointing a legal guardian to represent a minor must be submitted.

If the Policy Owner or Assignee is a corporation, an officer of the corporation must sign for the corporation on the disbursement form, and this must be accompanied by a Corporate Secretary’s Certificate and Board Resolution authorizing the loan on the policy and giving the executing officer authority to sign this disbursement request on behalf of the corporation.

If the Policy contract is missing, submit a duly accomplished Indemnity Agreement Form (Request for Replacement of Lost Policy), dated, signed, witnessed and duly notarized by a notary public and have the irrevocable beneficiary or assignee (if any) sign the form. Payment of rewriting fee will be required.

The loan proceeds will be released depending on your disbursement option chosen. Please present a valid ID such as passport, driver's license, company or professional ID when submitting the request and picking-up the check. If through a representative, he or she must present an authorization letter by the insured and acceptable identification documents of both insured and representative. If Policy Owner is abroad, please submit a current Special Power of Attorney duly authenticated by the Philippine Consul. If this cannot be obtained, proceeds may be deposited to the Policy Owner’s local bank account subject to authorization letter addressed to the bank, indicating bank details.

You can conveniently choose how to receive your benefit/ dividend/refund pay-out through this link here or simply check out the ‘Claims and Support’ tab of our website and choose any of the options found under the ‘Benefit Payout Enrollment’ section.

From this page, you can choose to --

Pick-up As Cash (PUA): Pick up your cash benefit/ dividend/ refund from any BPI branch. 

Claim your benefit from any BPI branch near you even if you are not a BPI account holder. Simply present your valid ID with the reference code that we will send via SMS to your mobile number. 

 Important reminder! Given the controls that need to be in place when disbursing large pay-outs in compliance with our country’s Anti-Money Laundering Act, we will no longer be releasing benefit pay-outs of more than Php 500,000 or USD 10,000 through this Pick-up As Cash (PUA) facility. If you expect to receive more than this amount, please choose to have your benefit pay-out credited directly to your bank account instead.  

Credit to Bank Account (CTA): Have the benefit/ dividend/ refund credited directly to your bank account. 

Have your benefit credited directly to your bank account by letting us know your bank of choice and your account name/number. Here is a full list of our partner banks for your easy reference:

Al-Amanah Islamic Investment Bank  
Allbank Inc. 
Australia & New Zealand Bank  
Banco de Oro/ BDO Unibank Inc. 
Bangkok Bank Public Co., Ltd. 
Bank of America N.A. 
Bank of China 
Bank of Florida  
Bank of the Philippine Islands 
BDO Network Bank Inc. 
Camalig Bank Inc. 
Cebuana Lhuillier Rural Bank Inc. 
Chinabank 
CIMB Bank Phils., Inc. 
Citibank 
CTBC Bank (Philippines) Corp. 
DCPAY Philippines (COINS.PH) 
Deutsche Bank 
Development Bank of the Philippines 
Dungganon Bank, Inc. 
EastWest Bank 
Equicom Savings Bank, Inc.  
HSBC Savings Bank Inc. 
Industrial Bank of Korea 
ING Bank, N.V. 
KEB Hana Bank  
Landbank of the Philippines 
Malayan Bank Savings and Mortgage Bank Inc. 
Mega International Commercial Bank Co. Ltd 
Metropolitan Bank and Trust Company 
Mizuho Bank Ltd 
MUFG Bank, Ltd 
PayMaya Philippines Inc. 
Philippine Business Bank, Inc.  
Philippine National Bank 
Philippine Trust Company  
Philippine Veterans Bank  
Producers Savings Bank Corporation 
Rizal Commercial Banking Corporation 
Robinsons Bank Corporation 
Rural Bank of Guinobatan Inc. 
Security Bank 
Shinhan Bank 
Sumitomo Mitsui
Banking Corp. 
The Hongkong and Shanghai Bank Corporation Limited Philippines 
The Standard Chartered Bank  
UnionBank of the Philippines 
United Overseas Bank Phils. 
Wealth Development Bank, Corp. 
Yuanta Savings Bank

Payment for Your Policy (Maturity Recapture): Use your benefit to pay for a new or for your existing policy’s premium or loan. You can also use it to top-up to your variable unit-linked policy.

This is applicable to policies with maturing benefits not yet disbursed through credit to bank account, pick up as cash or check.   

The new or existing policy from which the benefit will be used for should be under the same policy owner’s name or that of their immediate family member. If you choose to use your maturity benefit to pay for a variable unit-linked policy, please make sure that you send us your request at least 28 days from premium due date. 

If you will only use a portion of your benefit, you enroll your preferred disbursement option here so we can refund to you the balance benefit amount.    

Make sure your contact information on record, such as your mobile number or e-mail address, is updated. Regardless of the pay-out option you choose, we will update you on the status of your request via SMS or e-mail. To update your contact information, simply click here. 

Important Reminder! If the policyowner is a corporation, you may update your contact information by filling out the Policy Detail Amendment Form. It should be signed by an officer of the corporation and must be accompanied by a Corporate Secretary’s Certificate and Board Resolution authorizing the change on the policy and giving authority to the executing officer to sign on behalf of the corporation. Please visit any of our Customer Service Centers or reach out to your Financial Advisor who can assist you with your requests for the Benefit Payout Enrolment and change in contact information.

You may reactivate your policy within three (3) years from the date of lapsation by paying the reinstatement cost and filling out the online Health Declaration Form* through My AIA.

*Additional requirements (such as medical examination) may be required to facilitate the reinstatement of your policy.

Simply log in to your My AIA account to view your lapsed policy. Click on “Proceed” to reactivate your policy. You may also go to “My Policy” tab and click on “View Details. Select “Manage Policy > Make a Policy Request > Reactivate a Lapsed Policy”.

Approval of your reactivation request will be sent to you within three (3) days through SMS. 

Your Financial Advisor may also assist you in reactivating your policy through iServe.

There are three (3) types of claims that AIA Philippines delivers to its customers and their beneficiaries – accident, illness, and death.

Accident and Illness related claims such as Medical Reimbursement, Daily Hospital Income, Critical Illness, Disability, and Dismemberment must be filed by the policy owner or the person insured by the policy. 

Death Claims may be filed by the beneficiary/ies as stated in the insured’s policy contract or by their legal representative.

We have made it hassle-free for you to file a claim. Simply click here to file your claim and follow these (3) easy steps-

1. Fill out the form.
2. Submit your requirements. The documents must be in .jpg or .pdf formats and must not exceed 5MB in file size.
3. Get your reference number for status tracking.

Once you submit your requirements, your request will be reviewed and evaluated by our claims team. You can expect to receive an update from us via SMS and e-mail within 7-10 working days

A claim should be filed by the policy owner/ insured or by the beneficiaries within five (5) years from the time the incident occurred.

This time frame is stated under the ‘Limitation of Action’ provision of the policy owner’s contract.

Should your requirements be in order, please expect your claims pay-out to be credited to your nominated account within ten (10) to fifteen (15) working days depending on the nature of the claim. For claims requests with contestable cases, pay-out will be made within twenty (20) working days for individual claims and thirty (30) working days for group claims.

If you filed your claims request online, please click here and input the reference number to check on the progress of your request.

When filing a claim, you will be asked how you would like to receive your benefit pay-out. You can choose to --

Claim at any BPI or BPI Family Savings Bank. Claim your benefit at any BPI or BPI Family Savings Bank near you even if you are not a BPI account holder. Simply present your valid ID with the reference code that we will send via SMS to your mobile number.

Important reminder! Given the controls that need to be in place when disbursing large pay-outs in compliance with our country’s Anti-Money Laundering Act, we will no longer be releasing benefit pay-outs of more than Php 500,000 or USD 10,000 through this Pick-up Anywhere (PUA) facility. If you expect to receive more than this amount, please choose to have your benefit pay-out credited directly to your bank account instead.  

Credit to your Bank Account. Have your benefit credited directly to your bank account by letting us know your bank of choice and your account name/ number. Here is a full list of our partner banks for your easy reference:

• Al-Amanah Islamic Investment Bank 
• Allbank Inc. 
• Australia & New Zealand Bank
• Banco de Oro/ BDO Unibank Inc. 
• Bangkok Bank Public Co., Ltd. 
• Bank of America N.A. 
• Bank of China 
• Bank of Florida 
• Bank of the Philippine Islands 
• BDO Network Bank Inc. 
• Camalig Bank Inc. 
• Cebuana Lhuillier Rural Bank Inc. 
• Chinabank
• CIMB Bank Phils., Inc. 
• Citibank 
• CTBC Bank (Philippines) Corp. 
• DCPAY Philippines (COINS.PH) 
• Deutsche Bank 
• Development Bank of the Philippines 
• Dungganon Bank, Inc.
• EastWest Bank 
• Equicom Savings Bank, Inc. 
• HSBC Savings Bank Inc. 
• Industrial Bank of Korea 
• ING Bank, N.V. 
• KEB Hana Bank 
• Landbank of the Philippines 
• Malayan Bank Savings and Mortgage Bank Inc.
• Mega International Commercial Bank Co. Ltd
• Metropolitan Bank and Trust Company
• Mizuho Bank Ltd 
• MUFG Bank, Ltd
• PayMaya Philippines Inc. 
• Philippine Business Bank, Inc.
• Philippine National Bank 
• Philippine Trust Company 
• Philippine Veterans Bank 
• Producers Savings Bank Corporation 
• Rizal Commercial Banking Corporation 
• Robinsons Bank Corporation 
• Rural Bank of Guinobatan Inc. 
• Security Bank 
• Shinhan Bank 
• Sumitomo Mitsui Banking Corp. 
• The Hongkong and Shanghai Bank Corporation Limited Philippines 
• The Standard Chartered Bank 
• UnionBank of the Philippines 
• United Overseas Bank Phils. 
• Wealth Development Bank, Corp. 
• Yuanta Savings Bank

With the convenience of filing a claim online, you don't need to be physically present in the country to submit the required documents. Simply click here to file your claim online and follow these three (3) easy steps- 

1. Fill out the form.
2. Submit your requirements. The documents must be in .jpg or .pdf formats and must not exceed 5MB in file size.
3. Get your reference number for status tracking.

Minors (below 18 years old) can also file for a claim but certain documents are needed for us to process the request.

To file for a claim with a benefit pay-out that amounts to less than Php 500,000, we would need the claimant to submit an affidavit of legal guardianship apart from the usual documents required to file a claim, which you can find here.

However, if the benefit pay-out amounts to more than Php 500,000, we would need the claimant to submit a guardianship / judicial bond apart from the usual documents required to file a claim, which you can find here.

This is consistent with Section 182 of the Revised Insurance Code, as amended by Republic Act 10607 which states that:

Section 182. In the absence of a judicial guardian, the father or in the latter's absence or incapacity, the mother, of any minor, who is an Insured or a beneficiary under a contract of life, health, or accident insurance, may exercise, in behalf of said minor, any right under the policy, without necessity of court authority or the giving of a bond, where the interest of the minor in the particular act involved does not exceed Five hundred thousand pesos (Php500,000.00).

In the absence or in case of the incapacity of the father or mother, the grandparent, the eldest brother or sister at least eighteen (18) years of age, or any relative who has actual custody of the minor insured or beneficiary, shall act as a guardian without need of a court order or judicial appointment as such guardian, as long as such person is not otherwise disqualified or incapacitated. Payment made by the insurer pursuant to this section shall relieve such insurer of any liability under the contract.

To file, simply send us an e-mail at customerservice.ph@aia.com with the following information and documents --

• Policy Owner’s Full Name (First Name, Middle Initial, and Last Name),
• Mobile or Landline Number,
• High resolution scanned copies of the requirements needed to process the claim as indicated earlier.

An AIA Philippines customer representative will contact the claimant within one (1) day to help with the next steps.

To file an appeal for your denied claim request, simply send us an email at claims@aia.com. An AIA Philippines representative will contact you within one to two (1-2) days to help you with the next steps. 

While the benefit amount to be paid out for claims requests are subject to our assessor’s evaluation and approval, you can still easily check the amount covered by your policy benefits by reviewing your policy details in ePlan.

Not yet registered on ePlan? Click on ‘Register’ here and follow the step-by-step instructions you will find on your screen. Once done, you will receive a confirmation e-mail from AIA Philippines with your log-in details.

Yes, this is possible. The beneficiary has to fill-out the form found here and submit a duly notarized Waiver of Rights in addition to the necessary requirements to file for a claim.

Our lines shall remain open for any questions about your policy. Please reach out to us through any of the following channels:

• Your financial advisor
• Aya of AIA Philippines on Facebook Messenger
• Our Customer Care at customerservice.ph@aia.com, (02) 8528-2000 or PLDT toll-free 1-800-10-528-2000
  

AIA is our Hong Kong-based parent company and is the largest independent publicly listed pan-Asian life insurance group – with presence in 18 markets across the Asia-Pacific region.​

They have been present in the Philippines since 2009 upon the formalization of the acquisition of AIA Philam Life from former parent company AIG.

The north star for our brand has always been to be AIA since the acquisition. We have made strides towards closer association, from changing our brand color from blue to red, to incorporating the line “An AIA Group Company” in our logo, to formally changing our name to “AIA Philam Life” in 2019. This 2021, we are fully embracing the name of our mother company.

AIA Philippines and Philam Life are one and the same. Aside from changing the name, nothing else will happen. We will honor all existing in-force or active contracts, and we will remain a committed partner to all stakeholders and customers.

We will be changing our legal name from “The Philippine American Life and General Insurance Company” to “AIA Philippines Life and General Insurance Company, Inc.” Our brand or trade name will also change from “AIA Philam Life” to “AIA Philippines.”

No. AIA Group acquired Philam Life back in 2009 and continues to be the mother company today.​

No. AIA Philippines will maintain its current management.​

No. AIA Philippines is very stable, consistently leading in key metrics such as net income and assets. The sale of our properties is part of our strategic initiative to 1) sell assets that are no longer in central locations or are now considered as low-value assets, and 2) acquire high value-properties in prime areas particularly in central business districts. ​

Yes. Our new website address will be https://www.aia.com.ph. Using the old website address will automatically redirect you to the new one.

Yes. Our social media pages’ names are as follows:​

Facebook - facebook.com/aiaphilippines
Instagram - @aiaphilippines
Twitter - @aia_philippines
LinkedIn - https://www.linkedin.com/company/aiaphilippines/

Yes. The new customer care email will be customerservice.ph@aia.com. All emails sent to philamlife@aia.com will automatically be redirected to the new email address.

Yes. SMS communications from AIA Philippines will bear the sender name “AIA PH.”​

We are still in a transition phase of updating all our communication materials including our servicing emails and SMS. We apologize if this has caused any confusion. Rest assured, we are working towards standardizing our brand name across all our communication materials.​​

No. While we are a global company, your records remain with the Philippine-registered company, AIA Philippines, regulated locally by the Insurance Commission. But don’t fret! You wouldn’t have to visit branches to file claims. You may file claims online, 24/7, without leaving the comfort of your home. Simply click the “Claims & Support” tab at https://aia.com.ph.​

Yes, all documents will reflect the new legal and trade names as well as our new logo.​

No. AIA Philippines will honor all active or in-force contracts issued under Philam Life. Your benefits will remain as they are, governed by the Terms & Conditions you agreed on upon signing.​

Our fund names will remain the same to avoid confusion in your investments. ​

Our application for name change for our receipts is still being processed by BIR, but rest assured that your receipts are legitimate, valid, and legal proofs of payment for your premiums.​

While we have legally changed our name, we are still in a transition period. While our internal systems are being updated, application forms may continue bearing the name Philam Life. Rest assured that these application forms are valid and legitimate.​

The transition of our brand names on our properties will be phased to comply with logistics restrictions brought about by the pandemic.​

While our digital selling capability has allowed us to serve Filipinos abroad, the signing of the contract still needs to happen in the Philippines. The regulation on the sale of insurance in the Philippines is limited within Philippine jurisdiction – it is a regulatory requirement followed by all insurance companies in the Philippines, even those with global counterparts.​

There is no need to re-enroll as our partner banks will automatically update the name of the company in your enrolled billers list.​​

Check payments should be addressed to either:​

​AIA Philippines​, or​ AIA Philippines Life and General Insurance Company​, Inc.​

Please note that checks using our former name (AIA Philam Life) will be accepted until October 8, 2021 only.

Yes. The biller name you will need to look out for will be:​

​AIA Philippines​
AIAPH​

​But this will happen in phases. While we have already started coordinating the name change with our payment partners, the system changes from their end may not necessarily be in effect right away. We will keep you posted once there is a change in name on the platforms. In the meantime, you may still search for AIA Philam Life when paying.​

Your Philam Vitality membership will not be affected. The program name will simply be changed to AIA Vitality.​​