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          The BJMPMBAI, like most other inventions, was born out of a need, the need of the BJMP uniformed personnel to be protected from the vagaries of life, the need to have someone to turn to in times of financial crises. This need, coupled with the vision of the BJMP leaders led to the establishment of the BJMPMBAI.


Prior to the establishment of the BJMPMBAI in September 28, 2001, BJMP personnel, both uniformed and non-uniformed, were members of the GSIS which covered them with a retirement and insurance plan. BJMP personnel were contributing not less than nine percent (9%) of their salary to the GSIS. The Government contributes a counterpart of twelve percent (12%) for each BJMP personnel.


On June 27, 1997 however, Republic Act (R.A.) No. 8291 was promulgated. Although Section 3 of R.A. No. 8291 did not specifically mention the BJMP as excluded from its coverage (only the AFP and PNP were mentioned), the Implementing Rules and Regulations of R.A. No. 8291 already included the BJMP as among those agencies whose uniformed personnel are excluded from the coverage of the GSIS. Appeals from the BJMP leadership to the GSIS authorities fell on deaf ears. A bill introduced in Congress to correct the misinterpretation in the Implementing Rules and Regulations died a natural death, never to be resurrected again.


Practically an orphan insofar as financial protection is concerned, the BJMP leadership after realizing this vacuum in the financial protection of its uniformed personnel struck an agreement with the AFP Mutual Benefit Association, Inc. (AFPMBAI) to have its uniformed personnel included in its Endowment at 56 (E-56) Plan. Thus, sometime in 1997, BJMP uniformed personnel began contributing three percent (3%) of their salaries to the AFPMBAI and in return the latter covered the BJMP uniformed personnel with its E-56 Plan. Unfortunately, the E-56 Plan afforded the BJMP uniformed personnel only a death and total or partial disability insurance coverage. There was nothing similar to the retirement plan of the GSIS. However, this arrangement with the AFPMBAI endured up to 2001, there being no better options.


Meanwhile, BJMP leadership at the helm of CHIEF SUPT ARTURO W. ALIT, then the Chief BJMP, directed the BJMP Legal Service which was then headed by ATTY. RAMON A. ABENIR, JR. to make studies on how to improve the financial protection of the BJMP uniformed personnel. It was at this point or sometime in 2000 that BRIG GEN. NOE S. ANDAYA, a former General Manager of AFPSLAI, got wind of the BJMP uniformed personnel’s predicament. He got in touch with Chief Supt Alit who referred him to Atty. Abenir. BG Andaya and Atty. Abenir began a series of conferences and discussions on a plan to establish the BJMPMBAI. By July 2001, the establishment of the BJMPMBAI was almost certain. The plan was for the BJMP uniformed personnel to still contribute the same three percent (3%) of their salary, this time to their own mutual benefit association which they named the BJMPMBAI. However, the benefits which the BJMP uniformed personnel will enjoy in return will include not only a bigger insurance coverage but a savings which will earn interest as well. Thus, the amount representing 3 % of the BJMP uniformed personnel’s salary as his monthly contribution to the BJMPMBAI is distributed as follows:

  • Twenty Pesos (P20.00) is deducted from the amount as the members monthly membership fee;

  • Ten percent (10%) of the remaining amount is reserved for the General Fund as Expense Load or Operational Expenses.

  • After subtracting the membership fee Forty percent (40%) of the remaining amount is paid for their life and total or partial insurance premiums in a Group Term Insurance. The insurance coverage is computed at P0.70 per P1,000.00 coverage.

  • After subtracting the membership fee Fifty percent (50%) of the remaining amount is reserved as the member’s EQUITY or SAVINGS which accumulates monthly and earns an interest of fourteen percent (14%) per annum compounded annually. The total of these contributions constituting the Equity is loaned by the Association to its members.

After the Association’s Articles of Incorporation and By-Laws were agreed upon by BGen. Andaya and Atty. Abenir, the latter presented / discussed these with Chief Supt. Alit and the rest of the BJMP leadership in a staff meeting. With the approval of the BJMP leadership, fifteen (15) BJMP officers were named incorporators, namely:

  • Chief Supt Arturo W. Alit JMP
  • SSupt Antonio C. Cruz JMP
  • SSupt Vicente E. Encarnacion JMP
  • SSupt Jose A. Esmeralda III JMP
  • SSupt Leonardo S. Encinas JMP
  • SSupt Armando M. Llamasares JMP
  • SSupt Mercedes A. Foronda JMP
  • Supt Gloria S. Nocedo JMP
  • CInsp Doris R. Dorigo JMP
  • CInsp Allan S. Iral JMP
  • Atty. Ramon A. Abenir, Jr.
  • Atty. Ahmed A. Nacpil
  • Ms. Ester Apin – Aldana
  • Mr. Arnel S. Romero
  • SJO4 Juanito B Sarmeinto, Jr.

They also constituted the first Board of Trustees with the following as officers:

Chief Supt Arturo W. Alit Chairman 
 SSupt Antonio C. Cruz  Vice Chairman
 Atty. Ramon A. Abenir, Jr.  President
 Supt Gloria S. Nocedo  Secretary
 CInsp Doris R. Dorigo  Treasurer
 Mr. Arnel S. Romero  Auditor



          In September 28, 2001, the Securities and Exchange Commission (SEC) issued the BJMPMBAI its Certificate of Incorporation, thereby bestowing upon the Association its juridical personality. 

          Considering however that, the Association had not yet been issued a License to Operate by the Insurance Commission (IC), the Association, thru the advice of BGen Andaya, sought shelter from the Felisberto B Cavosora Actuarial and Management Company (FBCAMC) for the protection of its members pursuant to the plan as aforementioned. This arrangement continued until FBCAMC disbanded and its assets assumed by Provenor Actuarial Management, Inc. (PAMCI). PAMCI then assumed the obligations of FBCAMC.

          In December 16, 2002, IC issued a License to Operate to BJMPMBAI. However, BJMPMBAI opted to continue to have the same arrangement with PAMCI. By May 2003 the officers and members of the Board of Trustees felt that it could now assume its business independent of PAMCI. With the help and guidance of BGen Andaya, who was now the Chairman and CEO of the Professional Management and Actuary Corporation (PMAC), BJMPMBAI began to operate on its own effective June 1, 2003 with PMAC as its management consultant, having severed its relationship with PAMCI.

          The Association began with two (2) personnel manning the office, namely Myrna Zapata and Bernadette Malacas. When BJMP transferred it national office to Juco Bldg., Mindanao Ave., Quezon City, the BJMP management gave the Association an office where it is now doing its business. In January 2005, Atty. Abenir who by then had retired from the BJMP service was designated concurrent General Manager of the Association.

          Today, BJMPMBAI has an Asset of about P203 Million and a membership of approximately 8,874. It has Ten (10) personnel. True to its dream, the Association has provided protection to its members, both in terms of insurance benefits and financial haven in times of their financial crises. Its Board of Trustees of fifteen (15) members, still headed by its first Chairman, now Director Arturo W. Alit JMP (Ret) continues to plan for more benefits for its members.

          A need for financial protection propelled its BJMP leaders the vision to make a dream come true, the realization of which is the now vibrant BJMPMBAI.