Philippine Supreme Court Jurisprudence


Philippine Supreme Court Jurisprudence > Year 2016 > April 2016 Decisions > G.R. No. 195176, April 18, 2016 - THE INSULAR LIFE ASSURANCE COMPANY, LTD., Petitioner, v. PAZ Y. KHU, FELIPE Y. KHU, JR., AND FREDERICK Y. KHU, Respondents.:




G.R. No. 195176, April 18, 2016 - THE INSULAR LIFE ASSURANCE COMPANY, LTD., Petitioner, v. PAZ Y. KHU, FELIPE Y. KHU, JR., AND FREDERICK Y. KHU, Respondents.

PHILIPPINE SUPREME COURT DECISIONS

SECOND DIVISION

G.R. No. 195176, April 18, 2016

THE INSULAR LIFE ASSURANCE COMPANY, LTD., Petitioner, v. PAZ Y. KHU, FELIPE Y. KHU, JR., AND FREDERICK Y. KHU, Respondents.

D E C I S I O N

DEL CASTILLO, J.:

The date of last reinstatement mentioned in Section 48 of the Insurance Code pertains to the date that the insurer approved' the application for reinstatement. However, in light of the ambiguity in the insurance documents to this case, this Court adopts the interpretation favorable to the insured in determining the date when the reinstatement was approved.

Assailed in this Petition for Review on Certiorari1 are the June 24, 2010 Decision2 of the Court of Appeals (CA), which dismissed the Petition in CA-GR. CV No. 81730, and its December 13, 2010 Resolution,3 which denied the petitioner Insular Life Assurance Company Ltd.'s (Insular Life) motion for partial reconsideration.4

Factual Antecedents

On March 6, 1997, Felipe N. Khu, Sr. (Felipe) applied for a life insurance policy with Insular Life under the latter's Diamond Jubilee Insurance Plan. Felipe accomplished the required medical questionnaire wherein he did not declare any illness or adverse medical condition. Insular Life thereafter issued him Policy Number A000015683 with a face value of PI million. This took effect on June 22, 1997.5

On June 23, 1999, Felipe's policy lapsed due to non-payment of the premium covering the period from June 22, 1999 to June 23, 2000.6

On September 7, 1999, Felipe applied for the reinstatement of his policy and paid P25,020.00 as premium. Except for the change in his occupation of being self-employed to being the Municipal Mayor of Binuangan, Misamis Oriental, all the other information submitted by Felipe in his application for reinstatement was virtually identical to those mentioned in his original policy.7

On October 12, 1999, Insular Life advised Felipe that his application for reinstatement may only be considered if he agreed to certain conditions such as payment of additional premium and the cancellation of the riders pertaining to premium waiver and accidental death benefits. Felipe agreed to these conditions8 and on December 27, 1999 paid the agreed additional premium of P3,054.50.9

On January 7, 2000, Insular Life issued Endorsement No. PN-A000015683, which reads:
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This certifies that as agreed by the Insured, the reinstatement of this policy has been approved by the Company on the understanding that the following changes are made on the policy effective June 22, 1999:

1. The EXTRA PREMIUM is imposed; and

2. The ACCIDENTAL DEATH BENEFIT (ADB) and WAIVER OF PREMIUM DISABILITY (WPD) rider originally attached to and forming parts of this policy [are] deleted.

In consequence thereof, the premium rates on this policy are adjusted to P28,000.00 annually, P14,843.00 semi-annually and P7,557.00 quarterly, Philippine currency.10ChanRoblesVirtualawlibrary
On June 23, 2000, Felipe paid the annual premium in the amount of P28,000.00 covering the period from June 22, 2000 to June 22, 2001. And on July 2, 2001, he also paid the same amount as annual premium covering the period from June 22,2001 to June 21, 2002.11

On September 22, 2001, Felipe died. His Certificate of Death enumerated the following as causes of death:
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Immediate cause: a. End stage renal failure, Hepatic failure

Antecedent cause: b. Congestive heart failure, Diffuse myocardial ischemia.

Underlying cause: c. Diabetes Neuropathy, Alcoholism, and Pneumonia.12ChanRoblesVirtualawlibrary
On October 5, 2001, Paz Y. Khu, Felipe Y. Khu, Jr. .and Frederick Y. Khu (collectively, Felipe's beneficiaries or respondents) filed with Insular Life a claim for benefit under the reinstated policy. This claim was denied. Instead, Insular Life advised Felipe's beneficiaries that it had decided to rescind the reinstated policy on the grounds of concealment and misrepresentation by Felipe.

Hence, respondents instituted a complaint for specific performance with damages. Respondents prayed that the reinstated life insurance policy be declared valid, enforceable and binding on Insular Life; and that the latter be ordered to pay unto Felipe's beneficiaries the proceeeds of this policy, among others.13

In its Answer, Insular Life countered that Felipe did not disclose the ailments (viz., Type 2 Diabetes Mellitus, Diabetes Nephropathy and Alcoholic Liver Cirrhosis with Ascites) that he already had prior to his application for reinstatement of his insurance policy; and that it would not have reinstated the insurance policy had Felipe disclosed the material information on his adverse health condition. It contended that when Felipe died, the policy was still contestable.14

Ruling of the Regional Trial Court (RTC)

On December 12, 2003, the RTC, Branch 39 of Cagayan de Oro City found15 for Felipe's beneficiaries, thus:
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WHEREFORE, in view of the foregoing, plaintiffs having substantiated [their] claim by preponderance of evidence, judgment is hereby rendered in their favor and against defendants, ordering the latter to pay jointly and severally the sum of One Million (P1,000,000.00) Pesos with legal rate of interest from the date of demand until it is fully paid representing the face value of Plan Diamond Jubilee No. PN-A000015683 issued to insured the late Felipe N. Khu[,] Sr; the sum of P20.000.00 as moral damages; P30,000.00 as attorney's fees; P10,000.00 as litigation expenses.

SO ORDERED.16ChanRoblesVirtualawlibrary
In ordering Insular Life to pay Felipe's beneficiaries, the RTC agreed with the latter's claim that the insurance policy was reinstated on June 22, 1999. The RTC cited the ruling in Malayan Insurance Corporation v. Court of Appeals17 that any ambiguity in a contract of insurance should be resolved strictly against the insurer upon the principle that an insurance contract is a contract of adhesion.18 The RTC also held that the reinstated insurance policy had already become incontestable by the time of Felipe's death on September 22, 2001 since more than two years had already lapsed from the date of the policy's reinstatement on June 22, 1999. The RTC noted that' since it was Insular Life itself that supplied all the pertinent forms relative to the reinstated policy, then it is barred from taking advantage of any ambiguity/obscurity perceived therein particularly as regards the date when the reinstated insurance policy became effective.

Ruling of the Court of Appeals

On June 24, 2010, the CA issued the assailed Decision19 which contained the following decretal portion:
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WHEREFORE, the appeal is DISMISSED. The assailed Judgment of the lower court is AFFIRMED with the MODIFICATION that the award of moral damages, attorney's fees and litigation expenses [is] DELETED.

SO ORDERED.20ChanRoblesVirtualawlibrary
The CA upheld the RTC's ruling on the non-contestability of the reinstated insurance policy on the date the insured died. It declared that contrary to Insular Life's contention, there in fact exists a genuine ambiguity or obscurity in the language of the two documents prepared by Insular Life itself, viz., Felipe's Letter of Acceptance and Insular Life's Endorsement; that given the obscurity/ambiguity in the language of these two documents, the construction/interpretation that favors the insured's right to recover should be adopted; and that in keeping with this principle, the insurance policy in dispute must be deemed reinstated as of June 22, 1999.21

Insular Life moved for partial reconsideration22 but this was denied by the CA in its Resolution of December 13, 2010.23 Hence, the present Petition.

Issue

The fundamental issue to be resolved in this case is whether Felipe's reinstated life insurance policy is already incontestable at the time of his death.

Petitioner's Arguments

In praying for the reversal of the CA Decision, Insular Life basically argues that respondents should not be allowed to recover on the reinstated insurance policy because the two-year contestability period had not yet lapsed inasmuch as the insurance policy was reinstated only on December 27, 1999, whereas Felipe died on September 22, 2001;24 that the CA overlooked the fact that Felipe paid the additional extra premium only on December 27, 1999, hence, it is only upon this date that the reinstated policy had become effective; that the CA erred in declaring that resort to the principles of statutory construction is still necessary to resolve that question given that the Application for Reinstatement, the Letter of Acceptance and the Endorsement in and by themselves already embodied unequivocal provisions stipulating that the two-year contestability clause should be reckoned from the date of approval of the reinstatement;25 and that Felipe's misrepresentation and concealment of material facts in regard to his health or adverse medical condition gave it (Insular Life) the right to rescind the contract of insurance and consequently, the right to deny the claim of Felipe's beneficiaries for death benefits under the disputed policy.26

Respondents'Arguments

Respondents maintain that the phrase "effective June 22, 1999" found in both the Letter of Acceptance and in the Endorsement is unclear whether it refers to the subject of the sentence, i.e., the "reinstatement of this policy" or to the subsequent phrase "changes are made on the policy;" that granting that there was any obscurity or ambiguity in the insurance policy, the same, should be laid at the door of Insular Life as it was this insurance company that prepared the necessary documents that make up the same;27 and that given the CA's .finding which effectively affirmed the RTC's finding on this particular issue, it stands to reason that the insurance policy had indeed become incontestable upon the date of Felipe's death.28

Our Ruling

We deny the Petition.

The Insurance Code pertinently provides that:
chanRoblesvirtualLawlibrary
Sec. 48. Whenever a right to rescind a contract of insurance is given to the insurer by any provision of this chapter, such right must be exercised previous to the commencement of an action on the contract.

After a policy of life insurance made payable on the death of the insured shall have been in force during the lifetime of the insured for a period of two years from the date of its issue or of its last reinstatement, the insurer cannot prove that the policy is void ab initio or is rescindible by reason of the fraudulent concealment or misrepresentation of the insured or his agent.
The rationale for this provision was discussed by the Court in Manila Bankers Life Insurance Corporation v. Aban,29
Section 48 regulates both the actions of the insurers and prospective takers of life insurance. It gives insurers enough time to inquire whether the policy was obtained by fraud, concealment, or misrepresentation; on the other hand, it forewarns scheming individuals that their attempts at insurance fraud would be timely uncovered - thus deterring them from venturing into such nefarious enterprise. At the same time, legitimate policy holders are absolutely protected from unwarranted denial of their claims or delay in the collection of insurance proceeds occasioned by allegations of fraud, concealment, or misrepresentation by insurers, claims which may no longer be set up after the two-year period expires as ordained under the law.

x x x x

The Court therefore agrees fully with the appellate court's pronouncement that-

x x x x

'The insurer is deemed to have the necessary facilities to discover such fraudulent concealment or misrepresentation within a period of two (2) years. It is not fair for the insurer to collect the premiums as long as the insured is still alive, only to raise the issue of fraudulent concealment or misrepresentation when the insured dies in order to defeat the right of the beneficiary to recover under the policy.

At least two (2) years from the issuance of the policy or its last reinstatement, the beneficiary is given the stability to recover under the policy when the insured dies. The provision also makes clear when the two-year period should commence in case the policy should lapse and is reinstated, that is, from the date of the last reinstatement'.
In Lalican v. The Insular Life Assurance Company, Limited,30 which coincidentally also involves the herein petitioner, it was there held that the reinstatement of the insured's policy is to be reckoned from the date when the application was processed and approved by the insurer. There, we stressed that:
chanRoblesvirtualLawlibrary
To reinstate a policy means to restore the same to premium-paying status after it has been permitted to lapse. x x x

x x x x

In the instant case, Eulogio's death rendered impossible full compliance with the conditions for reinstatement of Policy No. 9011992. True, Eulogio, before his death, managed to file his Application for Reinstatement and deposit the amount for payment of his overdue premiums and interests thereon with Malaluan; but Policy No. 9011992 could only be considered reinstated after the Application for Reinstatement had been processed and approved by Insular Life during Eulogio's lifetime and good health.31ChanRoblesVirtualawlibrary
Thus, it is settled that the reinstatement of an insurance policy should be reckoned from the date when the same was approved by the insurer.

In this case, the parties differ as to when the reinstatement was actually approved. Insular Life claims that it approved the reinstatement only on December 27, 1999. On the other hand, respondents contend that it was on June 22, 1999 that the reinstatement took effect.

The resolution of this issue hinges on the following documents: 1) Letter of Acceptance; and 2) the Endorsement.

The Letter of Acceptance32 wherein Felipe affixed his signature was actually drafted and prepared by Insular Life. This pro-forma document reads as follows:
chanRoblesvirtualLawlibrary
LETTER OF ACCEPTANCE

Place: Cag. De [O]ro City


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  • A.M. No. P-16-3447 (formerly: OCA I.P.I. No. 08-2915-P), April 19, 2016 - LUALHATI C. GUBATANGA, CLERK OF COURT II, MUNICIPAL TRIAL COURT, BALAGTAS, BULACAN, Complainant, v. RENATO V. BODOY, UTILITY WORKER I, MUNICIPAL TRIAL COURT, BALAGTAS, BULACAN, Respondent.

  • G.R. No. 202124, April 05, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. IRENEO JUGUETA Accused-Appellant.

  • A.M. No. P-16-3436 [Formerly A.M. No. 13-12-261-RTC], April 05, 2016 - REPORT ON THE THEFT OF COURT EXHIBIT BY ROBERTO R. CASTRO, UTILITY WORKER I, REGIONAL TRIAL COURT, BRANCH 172, VALENZUELA CITY

  • A.C. No. 10781 [Formerly CBD Case No. 10-2764], April 12, 2016 - COBALT RESOURCES, INC., Complainant, v. ATTY. RONALD AGUADO, Respondent.

  • A.C. No. 7110, April 20, 2016 - ARTHUR S. TULIO, Complainant, v. ATTY. GREGORY F. BUHANGIN, Respondent.

  • A.M. No. P-16-3437 [Formerly OCA IPI No. 11-3665-P], April 20, 2016 - PROSECUTOR III LEO C. TABAO, Petitioner, v. SHERIFF IV JOSE P. CABCABIN, OFFICE OF THE CLERK OF COURT, REGIONAL TRIAL COURT, TACLOBAN CITY, Respondent.

  • G.R. No. 181892, April 19, 2016 - REPUBLIC OF THE PHILIPPINES, REPRESENTED BY EXECUTIVE SECRETARY EDUARDO R. ERMITA, THE DEPARTMENT OF TRANSPORTATION AND COMMUNICATIONS, AND MANILA INTERNATIONAL AIRPORT AUTHORITY, Petitioners, v. HON. JESUS M. MUPAS, IN HIS CAPACITY AS ACTING PRESIDING JUDGE OF THE REGIONAL TRIAL COURT, NATIONAL CAPITAL JUDICIAL REGION, BRANCH 117, PASAY CITY, AND PHILIPPINE INTERNATIONAL AIR TERMINALS CO., INC., Respondents.; G.R. NO. 209917 - REPUBLIC OF THE PHILIPPINES, REPRESENTED BY EXECUTIVE SECRETARY EDUARDO ERMITA, DEPARTMENT OF TRANSPORTATION AND COMMUNICATIONS, AND MANILA INTERNATIONAL AIRPORT AUTHORITY, Petitioners, v. PHILIPPINE INTERNATIONAL AIR TERMINALS COMPANY, INC., TAKENAKA CORPORATION AND ASAHIKOSAN CORPORATION, Respondents.; G.R. NOS. 209696 - TAKENAKA CORPORATION AND ASAHIKOSAN CORPORATION, Petitioners, v. REPUBLIC OF THE PHILIPPINES, REPRESENTED BY EXECUTIVE SECRETARY EDUARDO ERMITA, DEPARTMENT OF TRANSPORTATION AND COMMUNICATIONS, MANILA INTERNATIONAL AIRPORT AUTHORITY, AND PHILIPPINE INTERNATIONAL AIR TERMINALS COMPANY, INC. Respondents.; G.R. NO. 209731 - PHILIPPINE INTERNATIONAL AIR TERMINALS CO., INC., Petitioner, v. REPUBLIC OF THE PHILIPPINES, AS REPRESENTED BY EXECUTIVE SECRETARY EDUARDO ERMITA, DEPARTMENT OF TRANSPORTATION AND COMMUNICATIONS, MANILA INTERNATIONAL AIRPORT AUTHORITY, TAKENAKA CORPORATION, AND ASAHIKOSAN CORPORATION, Respondent.

  • A.M. No. RTJ-14-2385 [Formerly A.M. No. 14-4-115-RTC], April 20, 2016 - OFFICE OF THE COURT ADMINISTRATOR, Petitioner, v. JUDGE ROMEO B. CASALAN, [FORMERLY A.M. NO. 14-4-115-RTC (REPORT ON THE FINANCIAL AUDIT CONDUCTED IN THE REGIONAL TRIAL COURT [RTC], BRANCHES 13 AND 65, CULASI AND BUGASONG, ANTIQUE, Respondent.

  • G.R. No. 191616, April 18, 2016 - FRANCIS C. CERVANTES, Petitioner, v. CITY SERVICE CORPORATION AND VALENTIN PRIETO, JR., Respondents.

  • G.R. No. 192428, April 20, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. ELPEDIO CASTA

  • G.R. No. 202051, April 18, 2016 - REPUBLIC OF THE PHILIPPINES, REPRESENTED BY THE DEPARTMENT OF PUBLIC WORKS & HIGHWAYS; ENGINEER SIMPLICIO D. GONZALES, DISTRICT ENGINEER, SECOND ENGINEERING DISTRICT OF CAMARINES SUR; AND ENGINEER VICTORINO M. DEL SOCORRO, JR., PROJECT ENGINEER, DPWH, BARAS, CANAMAN, CAMARINES SUR, Petitioners, v. SPOUSES ILDEFONSO B. REGULTO AND FRANCIA R. REGULTO, Respondents.

  • A.C. No. 8172, April 12, 2016 - ALEX NULADA, Complainant, v. ATTY. ORLANDO S. PAULMA, Respondent.

  • G.R. No. 184933, April 13, 2016 - VIOLETA BALBA, FOR AND IN BEHALF OF HER MINOR CHILDREN ROY VINCE AND VIENNA GRACIA, BOTH SURNAMED BALBA, Petitioners, v. TIWALA HUMAN RESOURCES, INC., AND/OR TOGO MARITIME CORP., Respondents.

  • G.R. No. 210308, April 06, 2016 - ASIAN INTERNATIONAL MANPOWER SERVICES, INC., Petitioner, v. DEPARTMENT OF LABOR AND EMPLOYMENT, Respondent.

  • G.R. No. 206766, April 06, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. EDUARDO YEPES, Accused-Appellants.

  • G.R. No. 195552, April 18, 2016 - ACS DEVELOPMENT & PROPERTY MANAGERS, INC., Petitioner, v. MONTAIRE REALTY AND DEVELOPMENT CORPORATION, Respondent.

  • G.R. No. 216607, April 05, 2016 - ARLENE LLENA EMPAYNADO CHUA, Petitioner, v. COMMISSION ON ELECTIONS, IMELDA E. FRAGATA, AND KRYSTLE MARIE C. BACANI, Respondents.

  • G.R. No. 210621, April 04, 2016 - ALFREDO MANAY, JR., FIDELINO SAN LUIS, ADRIAN SAN LUIS, ANNALEE SAN LUIS, MARK ANDREW JOSE, MELISSA JOSE, CHARLOTTE JOSE, DAN JOHN DE GUZMAN, PAUL MARK BALUYOT, AND CARLOS S. JOSE, Petitioners, v. CEBU AIR,INC, Respondent.

  • G.R. No. 184068, April 19, 2016 - SIMNY G. GUY, AS MINORITY STOCKHOLDER AND FOR AND IN BEHALF OF GOODLAND COMPANY, INC., Petitioner, v. GILBERT G. GUY, ALVIN AGUSTIN T. IGNACIO AND JOHN AND/OR JANE DOES, Respondents.

  • G.R. No. 214349, April 20, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. LEO MENDOZA, Accused-Appellants.

  • G.R. No. 216010, April 20, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. JIMMY ULANDAY @ "SAROY", Accused-Appellants.

  • G.R. No. 216776, April 19, 2016 - PHILIPPINE CHARITY SWEEPSTAKES OFFICE (PCSO), Petitioner, v. CHAIRPERSON MA. GRACIA M. PULIDO-TAN, COMMISSIONER HEIDI L. MENDOZA, COMMISSIONER ROWENA V. GUANZON, THE COMMISSIONERS, COMMISSION ON AUDIT (COA), Respondents.

  • G.R. No. 215534, April 18, 2016 - COMMISSIONER OF INTERNAL REVENUE, Petitioner, v. LIQUIGAZ PHILIPPINES CORPORATION, Respondent.; G.R. NO. 215557 - LIQUIGAZ PHILIPPINES CORPORATION, Petitioner, v. COMMISSIONER OF INTERNAL REVENUE, Respondent.

  • G.R. No. 197136, April 18, 2016 - ROMEO PUCYUTAN, FOR AND IN BEHALF OF THE CITY OF MUNTINLUPA, METRO MANILA AS ITS CITY TREASURER, Petitioner, v. MANILA ELECTRIC COMPANY, INC., Respondent.

  • G.R. No. 203949, April 06, 2016 - SPOUSES GEORGE A. GALLENT, SR. AND MERCEDES M. GALLENT, Petitioners, v. JUAN G. VELASQUEZ, Respondent.; G.R. No. 205071 - JUAN G. VELASQUEZ, Petitioner, v. SPOUSES GEORGE A. GALLENT, SR. AND MERCEDES M. GALLENT, Respondents.

  • G.R. No. 217508, April 18, 2016 - JOSEPH SCOTT PEMBERTON, Petitioner, v. HON. LEILA M. DE LIMA, IN HER CAPACITY AS THE SECRETARY OF JUSTICE, JUDGE ROLINE GINEZ- JABALDE, IN HER CAPACITY AS PRESIDING JUDGE OF BRANCH 74 OF THE REGIONAL TRIAL COURT OF OLONGAPO CITY, AND MARILOU LAUDE Y SERDONCILLO, Respondents.

  • G.R. Nos. 221849-50, April 04, 2016 - DATU GUIMID P. MATALAM, Petitioner, v. PEOPLE OF THE PHILIPPINES, Respondent.

  • G.R. No. 204325, April 18, 2016 - LYNMAN BACOLOR, JEFFREY R. GALURA, HELEN B. TORRES, FRITZIE C. VELLEGAS, RAYMOND CANLAS AND ZHEILA C. TORRES, Petitioners, v. VL MAKABALI MEMORIAL HOSPITAL, INC., ALEJANDRO S. MAKABALI, MELCHOR CATAMBING AND DAX M. TIDULA, Respondents.

  • G.R. No. 175869, April 18, 2016 - ROBINA FARMS CEBU/UNIVERSAL ROBINA CORPORATION, Petitioner, v. ELIZABETH VILLA, Respondent.

  • G.R. No. 212382, April 06, 2016 - SCANMAR MARITIME SERVICES, INCORPORATED, CROWN SHIPMANAGEMENT INC., LOUIS DREYFUS ARMATEURS AND M/T ILE DE BREHAT AND/OR MR. EDGARDO CANOZA, Petitioners, v. EMILIO CONAG, Respondent.

  • G.R. No. 211098, April 20, 2016 - THE WELLEX GROUP, INC., Petitioner, v. SHERIFF EDGARDO A. URIETA OF THE SANDIGANBAYAN SECURITY AND SHERIFF SERVICES, THE SANDIGANBAYAN SECURITY AND SHERIFF SERVICES, AND BDO UNIBANK, INC. (FORMERLY EQUITABLE PCI BANK, INC.), Respondents.

  • G.R. No. 199464, April 18, 2016 - ROGELIO ROSARIO, RUDY ROSARIO, MARY ANN GUTIERREZ, SYLVIA CASTILLO, LOURDES JOSE, LORENA ESTEPA, VIRGINIA ESTEPA AND REMEDIOS SABADO, Petitioners, v. RIZALITO F. ALBA, Respondent.

  • G.R. No. 206459, April 06, 2016 - SPOUSES FLORANTE E. JONSAY AND LUZVIMINDA L. JONSAY AND MOMARCO IMPORT CO., INC., Petitioners, v. SOLIDBANK CORPORATION (NOW METROPOLITAN BANK AND TRUST COMPANY), Respondent.

  • G.R. No. 167838, April 20, 2016 - JOSE V. TOLEDO, GLENN PADIERNOS AND DANILO PADIERNOS, Petitioners, v. COURT OF APPEALS, LOURDES RAMOS, ENRIQUE RAMOS, ANTONIO RAMOS, MILAGROS RAMOS AND ANGELITA RAMOS AS HEIRS OF SOCORRO RAMOS, GUILLERMO PABLO, PRIMITIVA CRUZ AND A.R.C. MARKETING CORPORATION, REPRESENTED BY ITS PRESIDENT, ALBERTO C. DY, Respondent.

  • G.R. No. 189577, April 20, 2016 - PHILIPPINE NATIONAL BANK, Petitioner, v. SPS. VICTORIANO & JOVITA FARICIA RIVERA, Respondents.

  • G.R. No. 209011, April 20, 2016 - MALAYAN INSURANCE COMPANY, INC., Petitioner, v. DIANA P. ALIBUDBUD, Respondent.

  • G.R. No. 167679, April 20, 2016 - ING BANK N.V., ENGAGED IN BANKING OPERATIONS IN THE PHILIPPINES AS ING BANK N.V. MANILA BRANCH, Petitioner, v. COMMISSIONER OF INTERNAL REVENUE, Respondent.

  • G.R. No. 207662, April 13, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff and Appellee, v. FABIAN URZAIS Y LANURIAS, ALEX BAUTISTA, AND RICKY BAUTISTA, Accused.; FABIAN URZAIS Y LANURIAS, Accused-Appellant.

  • G.R. No. 174333, April 20, 2016 - PILIPINAS SHELL FOUNDATION, INC. AND SHELL PHILIPPINES EXPLORATION B.V., Petitioners, v. TOMAS M. FREDELUCES, MARCOS B. CORPUZ, JR., REYNALDO M. SAMONTE, NORMA M. SAMONTE, AMBROCIO VILLANUEVA, SALVACION A. BON, RAMIRO A. BON, LUZVIMINDA B. ANDILLO, LUDIVICO F. BON, ELMO AREGLO, ROSE A. SAN PEDRO, DANTE U. SANTOS, SR., MIGUEL SANTOS, EFREN U. SANTOS, RIC U. SANTOS, SIMON MARCE, JR., JOEL F. SALINEL, BEBIANA SAN PEDRO, AND MARINA SANTOS, Respondents.

  • G.R. No. 175736 & 175898, April 12, 2016 - JOSE RIZAL L. REMO, REYNALDO G. PANALIGAN, TITA L. MATULIN, ISAGANI CASALME, CIPRIANO P. ROXAS, CESARIO S. GUTIERREZ, CELSO A. LANDICHO, AND EDUARDO L. TAGLE, Petitioners, v. ADMINISTRATOR EDITA S. BUENO, NATIONAL ELECTRIFICATION ADMINISTRATION (NEA) BOARD OF ADMINISTRATORS AND MEMBER-CONSUMERS OF BATELEC II, Respondents.; G.R. NO. 175898 - JOSE RIZAL L. REMO, REYNALDO G. PANALIGAN, TITA L. MATULIN, ISAGANI CASALME, CIPRIANO P. ROXAS, CESARIO S. GUTIERREZ, CELSO A. LANDICHO, AND EDUARDO L. TAGLE, Petitioners, v. ADMINISTRATOR EDITA S. BUENO, SEC. RAPHAEL LOTILLA, WILFREDO BILLENA, JOSE VICTOR LOBRIGO, EVANGELITO ESTACA AND MARILYN CAGUIMBAL, Respondents.

  • G.R. No. 188145, April 18, 2016 - SPOUSES PRIMO INALVEZ AND JULIANA INALVEZ, Petitioners, v. BAYANG NOOL, ALLAN NOOL AND CELESTINO NOOL, Respondents.

  • G.R. No. 172593, April 20, 2016 - NAPOLEON S. RONQUILLO, JR., EDNA G. RA

  • G.R. No. 192488, April 19, 2016 - BLUE EAGLE MANAGEMENT, INC., MA. AMELIA S. BONOAN, AND CARMELITA S. DELA RAMA, Petitioners, v. JOCELYN L. NAVAL, Respondent.

  • G.R. No. 194119, April 13, 2016 - SONIA F. MARIANO, Petitioner, v. MARTINEZ MEMORIAL COLLEGES, INC., AND/OR FERDINAND A. MARTINEZ/ DR. ELIZABETH M. DEL RIO, Respondents.

  • G.R. No. 215548, April 05, 2016 - UNDERSECRETARY AUSTERE A. PANADERO AND REGIONAL DIRECTOR RENE K. BURDEOS, BOTH OF THE DEPARTMENT OF INTERIOR AND LOCAL GOVERNMENT (DILG), Petitioners, v. COMMISSION ON ELECTIONS, Respondent.; G.R. NO. 215726 - UNDERSECRETARY AUSTERE A. PANADERO AND REGIONAL DIRECTOR RENE K. BURDEOS, BOTH OF THE DEPARTMENT OF INTERIOR AND LOCAL GOVERNMENT (DILG), Petitioners, v. COMMISSION ON ELECTIONS AND MOHAMMAD EXCHAN GABRIEL LIMBONA, Respondents.; G.R. NO. 216158 - MANGONDAYA ASUM TAGO, Petitioner, v. COMELEC AND MOHAMMAD EXCHAN GABRIEL LIMBONA, Respondents.

  • G.R. No. 208066, April 12, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. JOHN GLEN WILE, EFREN BUENAFE, JR., MARK ROBERT LARIOSA AND JAYPEE PINEDA, Accused-Appellants.

  • A.M. No. RTJ-16-2455 (Formerly OCA I.P.I. No.10-3443-RTJ), April 11, 2016 - NEMIA CASTRO, Complainant, v. JUDGE CESAR A. MANGROBANG, REGIONAL TRIAL COURT, BRANCH 22, IMUS, CAVITE, Respondent.

  • A.C. No. 7447, April 18, 2016 - RENE B. HERMANO, Complainant, v. ATTY. IGMEDIO S. PRADO JR., Respondent.

  • G.R. No. 210273, April 19, 2016 - BIBIANO C. RIVERA AND LUIS K. LOKIN, JR., Petitioners, v. COMMISSION ON ELECTIONS (COMELEC), THE SECRETARY-GENERAL OF THE HOUSE OF REPRESENTATIVES, SHERWIN N. TUGNA AND CINCHONA C. CRUZ-GONZALES, Respondents.; G.R. NO. 213069 - CITIZENS' BATTLE AGAINST CORRUPTION (CIBAC) FOUNDATION AS REPRESENTED BY JESUS EMMANUEL L. VARGAS, Petitioner, v. CIBAC NATIONAL COUNCIL AS REPRESENTED BY EMMANUEL JOEL VILLANUEVA, AND THE COMMISSION ON ELECTIONS (COMELEC), Respondents.

  • A.C. No. 11139, April 19, 2016 - PHILCOMSAT* HOLDINGS CORPORATION, DULY REPRESENTED BY ERLINDA I. BILDNER, Complainant, v. ATTY. LUIS K. LOKIN, JR. AND ATTY. SIKINI C. LABASTILLA, Respondents.

  • G.R. No. 194402, April 05, 2016 - NEPTALI S. FRANCO, MELINDA L. OCAMPO, ARTEMIO P. MAGABO, REPRESENTED HEREIN BY SOLEDAD MAGABO, BERNARDA C. LAVISORES, NICOMEDES B. DEYNATA, ALBERTO D. DOSAYLA, REPRESENTED HEREIN BY AILENE JOY BILLONES DOSAYLA AND MARIETTA U. LARRACAS, Petitioners, v. ENERGY REGULATORY COMMISSION, THE HON. ZENAIDA G. CRUZ-DUCUT, IN HER CAPACITY AS CHAIRMAN OF THE ENERGY REGULATORY COMMISSION, DEPARTMENT OF BUDGET AND MANAGEMENT, THE SECRETARY FLORENCIO B. ABAD AND RICALINDA N. ADRIATICO, THE DIRECTOR OF THE BUDGET AND MANAGEMENT BUREAU-A, Respondents.

  • G.R. No. 213299, April 19, 2016 - PNCC SKYWAY CORPORATION, Petitioner, v. THE SECRETARY OF LABOR AND EMPLOYMENT AND PNCC SKYWAY CORPORATION EMPLOYEES UNION, Respondents.

  • G.R. No. 191699, April 19, 2016 - WILLIAM GO QUE CONSTRUCTION AND/OR WILLIAM GO QUE, Petitioner, v. COURT OF APPEALS AND DANNY SINGSON, RODOLFO PASAQUI,1 LENDO LOMINIQUI,2 AND JUN ANDALES, Respondents.

  • G.R. No. 210540, April 19, 2016 - REPUBLIC OF THE PHILIPPINES, Petitioner, v. HOMER AND MA. SUSANA DAGONDON, Respondents.

  • G.R. No. 203370, April 11, 2016 - MALAYAN INSURANCE COMPANY, INC. AND HELEN Y. DEE, Petitioners, v. PHILIP PICCIO, MIA GATMAYTAN, MA. ANNABELLA RELOVA SANTOS, JOHN JOSEPH GUTIERREZ, JOCELYN UPANO, JOSE DIZON, ROLANDO PAREJA, WONINA M. BONIFACIO, ELVIRA CRUZ, CORNELIO ZAFRA, VICENTE ORTUOSTE, VICTOMA GOMEZ JACINTO, JUVENCIO PERECHE, JR., RICARDO LORAYES, PETER C. SUCHIANCO, AND TRENNIE MONSOD, Respondents.; G.R. NO. 215106 - MALAYAN INSURANCE COMPANY, INC., Petitioner, v. PHILIP PICCIO, MIA GATMAYTAN, MA. ANNABELLA RELOVA SANTOS, JOHN JOSEPH GUTIERREZ, JOCELYN UPANO, JOSE DIZON, ROLANDO PAREJA, WONINA M. BONIFACIO, ELVIRA CRUZ, CORNELIO ZAFRA, VICENTE ORTUOSTE, VICTORIA GOMEZ JACINTO, JUVENCIO PERECHE, JR., RICARDO LORAYES, PETER C. SUCHIANCO, AND TRENNIE MONSOD, Respondents.

  • G.R. No. 202618, April 12, 2016 - CONSULAR AREA RESIDENTS ASSOCIATION, INC., REPRESENTED BY ITS PRESIDENT BENJAMIN V. ZABAT, ROMEO JUGADO, JR., AND NANCY QUINO, Petitioner, v. ARNEL PACIANO D. CASANOVA, ENGR. TOMAS Y. MACROHON, LOCAL HOUSING BOARD OF TAGUIG CITY, AND THE CITY GOVERNMENT OF TAGUIG, Respondents.

  • G.R. No. 214934, April 12, 2016 - PACIFIC REHOUSE CORPORATION, Petitioner, v. JOVEN L. NGO, AS REPRESENTED BY OSCAR J. GARCIA, Respondent.

  • A.C. No. 9018, April 20, 2016 - TERESITA P. FAJARDO, Complainant, v. ATTY. NICANOR C. ALVAREZ, Respondent.

  • A.M. No. 12-8-59-MCTC, April 12, 2016 - RE: FINDINGS ON THE JUDICIAL AUDIT CONDUCTED AT THE 7TH MUNICIPAL CIRCUIT TRIAL COURT, LILOAN-COMPOSTELA, LILOAN, CEBU.

  • G.R. No. 208360, April 06, 2016 - PEOPLE OF THE PHILIPPINES, Appellee, v. FELIPE BUGHO Y ROMPAL, A.K.A. "JUN THE MAGICIAN", Appellant.

  • G.R. No. 208446, April 06, 2016 - PEOPLE OF THE PHILIPPINES, Plaintiff-Appellee, v. JONEL VARGAS Y RAMOS, JERIENALD VILLAMERO Y ESMAN, ARMANDO CADANO @ MANDO, JOJO ENORME @ JOJO, RUTHER GARCIA @ BENJIE/LOLOY, AND ALIAS TABOY, ACCUSED, JONEL VARGAS Y RAMOS, JERIENALD VILLAMERO Y ESMAN, Accused-Appellants.