EDITA A. DE LEON, LARA BIANCA L. SARTE, AND RENZO EDGAR L. SARTE, PETITIONERS, VS. THE MANUFACTURERS LIFE INSURANCE COMPANY (PHILS.) INC., ZENAIDA S. SARTE, JESSICA SARTE-GUSTILO, VILMA C. CAPARROS, EDGAR ALVIN C. CAPARROS, AND ROBERTO MORENO, RESPONDENTS