LIMITED OFFER! Short-pay plan for long-term gains with PRUMillion Flex!

PRUMillion Flex life insurance investment offer

PRUMillion Flex

A 2-year pay plan that allocates more premiums to chosen fund. Pay monthly, quarterly, semi-annually or annually!
 Family enjoying life insurance investment
Flexible payment terms
Pay premiums for only 2 years with the flexibility to choose monthly, quarterly, semi-annual or annual payment mode.

    *Top-ups may be requested in the future to keep the fund value sufficient and your policy in force
Woman managing wealth with PRUMillion Flex
Greater potential for wealth accumulation
Enjoy high premium allocation that goes directly to the investment component of the plan and gives access to a wide range of expertly-managed funds. 
Couple reviewing fund value and insurance
Substantial protection
Receive a sum assured that’s at least 5x of the annual premium or 105% of fund value, whichever is higher.

Product features

Payment term

2 years to pay 

*Top-ups may be requested in the future to keep the fund value sufficient and your policy in force

 

Payment Mode       

Monthly, quarterly, semi-annual, annual

Duration of coverage  

Until 85 years old 

Age requirement

The plan is eligible for applicants from 0 (7 days) to 70 years old for the insured and policyowner should be at least 18 years old.  

Minimum Annual Premium

Php 250,000

Learn more about the product

Core benefits

Death Benefit  - In case of death of the life insured, your beneficiaries will receive either the sum assured which is at least 500% of the annual regular premium plus 125% of all top-ups less 125% of each partial withdrawals on top-up units, or 105% of fund value, whichever is higher. Child’s lien applies.

Accelerated Total and Permanent Disability (ATPD) - A cash benefit taken from the base plan sum assured and paid in advance in case the life insured becomes totally and permanently disabled due to sickness or injury.

Accidental Death and Disablement (ADD) - An additional cash benefit in case the life insured meets an accident that resulted to death or disability.

Maturity Benefit You will receive 105% of the fund value if the insured outlives the policy at age 85.

Optional benefits or riders

No other riders available for this product.

Fund selection


Peso funds

PRULink Bond Fund

PRULink Managed Fund

PRULink Growth Fund

PRULink Proactive Fund

PRULink Equity Fund

PRULink Equity Index Tracker Fund

PRULink Global Equity Navigator Fund - PhP Unhedged Share Class

PRULink Global Market Navigator Fund

PRULink Money Market Fund (for switching only)

 

Other information

Product disclaimer
  • It is important to assess your financial appetite and capability prior to getting a plan in order to ensure that you are able to maintain your policy and maximize the benefits of your life insurance plan.
  • As an investment-linked insurance plan, the policy sustainability and fund values projected in PRUMillion Flex quotations are merely predictions or estimations. They are not guaranteed results of the future.
  • Top-ups may be requested in the future to keep the fund value sufficient and your policy in force.
  • The fund value should be sufficient to pay for monthly recurring charges. Once the fund value is depleted or is insufficient to pay for monthly recurring charges, the policy will automatically terminate
  • The terms & conditions (T&C) for PRUMillion Flex may be different from other products, hence, please make sure to read the applicable T&C, which is also embedded in the relevant policy contract or policy booklet for details.
Investment component of your life insurance policy

Past performance is not necessarily a guide to future performance. The levels and bases of, and relief from, taxation can change. The value of any tax relief referred to depends upon the individual circumstances of the investor. For investments that can fluctuate in value, values may fall as well as rise and and investor may not get back the amount invested.

Important Considerations
  • Plan Exclusions – this plan and the benefits attached to it has other conditions and exclusions that may affect the payment of the insurance proceeds.
  • Free-look Period - You have 15 days to decide if this product is right for you. This is the first fifteen (15) days from the date the policy contract was received. During this time, the Company encourages you to read your policy and understand its benefits and risks. Should you decide that this product is not for you, we will return any applied charges plus the fund value, which may or may not be lower than the regular premiums you paid.
Definition of terms
  • Premium - a specified amount of money that you pay in exchange for the coverage provided by your insurance plan
  • Fund value - the accumulated amount of cash that you can potentially earn over a period of time from the investment component of your investment-linked life insurance plan
  • Sum assured - the guaranteed amount stated on the policy contract that the policyowner or beneficiary will receive upon the occurrence of an event, e.g. death.
  • Top up – is an additional one-time payment on top of the regular premium.
  • Child’s Lien - The Sum Assured portion of the death benefit will be reduced based on the following schedule if the Life Insured’s age at death is between age 0 to 4.

     

    Child's age at the time of death

    Percentage of sum assured

    0 to less than 1

    10%

    1 to less than 2

    20%

    2 to less than 3

    40%

    3 to less than 4

    60%

    4 to less than 5

    80%

       
     

PRUMillion Flex

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