As digital natives, Gen Zs go through life literally with a cellphone in their hand. They complete daily tasks digitally on their phones, whether it's getting a ride, ordering meals, and transferring funds within minutes. So, what’s stopping Gen Zs from getting protection to improve their mental health and secure a better financial future?

The traditional route of sitting through a high-pressure, two-hour coffee shop presentation with a financial consultant going through pages of documents with terms and figures flying over the conversation can be overwhelming. Gen Zs don't hate the concept of a safety net—they hate enduring the old process that can feel confusing or, more often than not, plain exhausting.

Young Filipinos are making financial decisions earlier than previous generations, but they are also making them differently as they shift through career decisions, strive for social connections, and attend to their self-care list. Given this environment, they expect products and services to be simple, digital, flexible, and available when they need them.

The good news? The era of long-drawn sales pitches and shifting through forms with fine prints is officially over. Drawing from a deep understanding of what today’s customers need, InLife recently formally unveiled StackBit, its first-ever stackable insurance product.

“Young Filipinos are financially aware, but many traditional insurance products were designed for a different generation, and one with a greater financial capacity,” said InLife chief product and innovation officer Jose Eduardo O. Ang. “We wanted to create an experience that feels more natural to the way people live today: simple to start, flexible to maintain so they don’t need to keep up with due dates, fully-digital, and according to how much they want to spend.”

“StackBit is an all-new digital platform that answers the age-old question: Can we get insurance at any point in our life?' Now, you can,” He added.

With the digital app, even college students may avail of StackBit’s protection solutions as availability starts age 18 through to age 55.

StackBit is an entry-level product for insurance with flexible protection options that allows customers to explore products, register, purchase coverage, and manage policies online. This feature gives subscribers the opportunity to stack protection coverage as their circumstances evolve.

As a digital financial tool, StackBit is designed for young Filipinos who want to begin protecting themselves without feeling pressured into making a major financial commitment. For young subscribers, they are still covered with protection by paying whatever they can, whenever they can, without sacrificing online purchases or those weekly iced coffees. This flexible term reflects a habit many Gen Zs already practice. They save little by little, invest the same way, and build their financial security one step at a time.

Making StackBit even more relatable is Stack Cat, a digital cat with nine lives who’s on a mission to encourage humans to insure their one life. Cats may be known for having nine lives, but people only have one. Stack Cat’s message is simple: because we only have one life, we can't afford to leave it unprotected, but even the smallest step today can help secure tomorrow. Young subscribers can play and interact with Stack Cat at the InLife website.

By being “stackable,” StackBit offers three flexible protection options to suit different life goals. This allows young subscribers to start building life insurance coverage and gradually build their protection over time through stacking whenever their budgets allow. Every “stack” adds to their insurance coverage, allowing it to grow alongside their needs and financial capacity.

Quick Play provides one-year life insurance coverage for those who want to immediately maximize protection for each peso spent. Power Stack offers 10-year coverage for customers who want to steadily build their protection over time. Meanwhile, Bonus Block provides 15-year coverage with a money-back benefit after 15 years for those looking to combine long-term protection with future rewards. Regardless of the variant, customers can start for as low as ₱10 and decide how to grow their insurance coverage without the pressure of due dates or fixed premium amounts.

It's simply the ultimate tech-enabled life hack: setting up an automated, financial service that comes with protection so Gen Zs can focus on building their career, creating content, and traveling while enjoying the security and peace of mind.

No awkward conversations. No stacks of paper. Just five minutes, your smartphone, and protection from StackBit.