Benefits you can count on

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    Life protection of 5× your base annual premium

    Leave a sizeable death benefit² for your loved ones when you pass away, either 5x your annual premium, or 105% of the fund value whichever is higher.

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    Extra cash benefits in case of accidents or disability

    Receive an advance payout of your plan’s sum assured in the event of total and permanent disability, plus an additional benefit for accidents that result in death or permanent disability.

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    Access to diverse fund options and grow your wealth while staying protected

    Invest your money sooner with the freedom to choose global and local funds, giving your fund value the potential to grow while maintaining your coverage.

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    Built-in loyalty bonus over time

    Your policy is designed to last – the longer you keep it, the more value is added to help sustain your policy. Receive fund credit every 5 years starting from policy year 10, equal to 1% or 2% of the average fund value, depending on your annual premium.

1 Simplified approval is subject to declarations on the medical questions.

2 Death Benefit is 500% of the base annual premium plus 125% of top-ups, less 125% of withdrawals on top-ups or 105% of fund value, whichever is higher. Product terms and conditions apply.

Protect what you’ve built

With PRUMillion Protect, you can put strong protection in place in just two years so your family and plans stay secure as you keep moving forward.

  

VISIONARY ENTREPRENEUR

"I've invested years building my business, and every decision I make impacts both my work and my family. I need protection that works for me even when income becomes unpredictable. With PRUMillion Protect, I can complete payments in just two years and know that everything I've built is secure. That gives me the freedom to grow and focus on the future with confidence."

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PROFESSIONAL

“My career demands focus and momentum, but my family’s security will always come first. I need protection that keeps pace with my ambitions—without tying me down to long payment commitments. With PRUMillion Protect, I can secure strong coverage in just two years, giving me peace of mind while I continue driving results and planning for the future.”

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LEGACY PLANNER

“I’ve spent a lifetime building my assets and planning for my family’s future. Now, I want a solution that helps protect what I’ll eventually pass on—without being tied to long payments. PRUMillion Protect allows me to complete payments early while keeping protection in place for the long term, helping ensure my plans remain clear and secure.”

 

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Learn more about the product

Plan Details

Payment term
Two years

Payment frequency
PHP 250,000 to PHP 499,999: Annual Only
PHP 500,000 and up: Annual, Semi-annual, Quarterly and Monthly

Duration of coverage
Up to age 85

Age requirement
Insured: 7 days to 70 years old
Policyowner: At least 18 years old

Minimum Annual Premium
PHP 250,000

Death Benefit - In case of the life insured, your beneficiaries will receive either the sum assured which is at least 500% of the base annual regular premium plus 125% of all top-ups less 125% of withdrawals on top-up units, or 105% of fund value, whichever is higher. If the Life Insured dies at age 0 to 4 years, a child’s lien schedule in the contract will be applicable to the Sum Assured portion of the Death Benefit.

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.

Additional Term - Provides an extra cash benefit on top of the base death benefit upon the death of the insured, up to age 75.

Personal Accident - Pays a cash benefit if the insured dies, suffers bodily injury, or becomes totally and permanently disabled due to an accident, up to age 73, claimable within 180 days from the date of an accident.

Non-accelerated Total and Permanent Disability - Provides an additional cash benefit if the insured becomes totally and permanently disabled due to bodily injury or disease, up to age 70.

*All optional riders can be attached as long as the Life Insured is within the eligible issue age. Additional regular premiums for the selected optional rider will be required to maintain fund sufficiency. Rider premiums will be payable for the same duration as the original regular premium.

Peso funds

PRULink Flexi Income Fund

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 Tech Navigator Fund

PRULink Money Market Fund (for switching only)

PRULink Strategic Income Fund

  • It is important to assess your financial capacity and investment risk appetite 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 Protect 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 Protect may be different from other products, hence, please make sure to read the applicable T&C, which is also embedded in the relevant policy booklet for details.

Past fund performance is not necessarily indicative of future or likely performance of the fund. Fund performance and fund values are not guaranteed.

  • 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.