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Insurance with investment

PRULink Exact Protector

An investment-linked life insurance plan that provides financial protection, exactly the way you want it

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Enjoy flexible payment terms
Pay for your plan in 5, 7, 10 or 15 years, either in peso or dollar denomination.
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Pay no surrender charges
Plans can change. Incur no charges upon partial or full withdrawal of the fund value of the policy.
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Build a plan based on your needs
Customize and power up your plan with a wide selection of optional benefits.
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Enjoy a loyalty bonus
For years 11 to 15, a percentage of the annual premium will be given to buy additional units and increase the fund value of your policy.

 

Product features

Payment term

Pay for your plan in 5, 7, 10, or 15 years.

Duration of coverage

The duration of the coverage is up to age 100.

Age requirement

The plan is eligible for applicants from 0 (7 days) to 70 years old.

Minimum annual* payment

For PRULink Exact Protector, payment starts at PhP 35,000 or USD 600.

For PRULink Exact Protector – Low Premium, payment starts at PhP 18,000.
*Other payment frequency options available

Learn more about the product

Core benefits

Death benefit - description should be sum assured plus the fund value; 125% of all top-ups less 125% of all withdrawals on the top-up units.

Maturity benefit - sum assured plus the fund value

Accelerated Total and Permanent Disability - a cash benefit deducted from the base plan and paid in advance in case of sickness or injury

Accidental Death and Disablement - an additional cash benefit in case the insured meets an accident that resulted to death or disability

Optional benefits disclaimer
Protection against accident, death, and disability:

 

  • Future Safe - provides a guaranteed 5% increase in base plan coverage compounded every policy anniversary starting immediately on the rider effectivity date. The benefit amount will continue to increase until it reaches the max amount or 50% of the base plan sum assured

  • Personal Accident - a comprehensive accident rider that gives cash benefit in the event the insured suffers injuries, disability, or death due to accidents

  • Payor Term - an additional cash benefit given if the payor stated in the policy dies

  • Payor Waiver - an exemption from paying the premium on the policy for those insured ages 25 and below if the payor stated in the policy dies or becomes totally and permanently disabled

  • Waiver of Premium on Total and Permanent Disability - an exemption from paying the succeeding premiums if the insured becomes totally and permanently disabled due to bodily injury or disease

 
Protection against critical illness:

  • Crisis Cover Benefit - a cash benefit deducted from the base plan and paid in advance if the insured has been diagnosed with or has undergone surgery due to any of the 15 pre-identified critical illnesses

  • Life Care Benefit - a cash benefit deducted from the base plan and paid in advance in case the insured is diagnosed with or has undergone surgery due to any of the 36 pre-identified critical illnesses

  • Life Care Plus - a cash benefit paid to the insured who has been diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered

  • Life Care Advance Plus - a cash benefit of 25% of the rider benefit amount paid in advance if the insured is diagnosed with any of the 10 identified early stage critical illnesses. This can be availed up to four times if it’s for different early stage conditions

  • Multiple Life Care Plus - a cash benefit given if the insured is diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered. This can be availed up to three times, provided the illnesses fall under separate categories as defined by this benefit

  • Life Care Waiver - an exemption from paying the succeeding premiums for those insured who have been diagnosed with a critical illness or has undergone surgery due to critical illness

 
Protection against hospital expenses:

  • Hospital Income – a cash benefit for each day of hospital confinement due to injury or illness. This may be upgraded by adding other riders such as the Intensive Care Unit Benefit, Long-Term Hospitalization Benefit, and Surgical Expense Reimbursement.

Fund selection

Peso funds

Dollar funds

PRULink Bond Fund

PRULink Dollar Bond Fund

PRULink Managed Fund

PRULink Asian Local Bond Fund

PRULink Growth Fund

PRULink Asian Balanced Fund

PRULink Proactive Fund

PRULink Asia Pacific Equity Fund

PRULink Equity Fund

PRULink Global Emerging Markets

Dynamic Fund

PRULink Global Market Navigator Fund

 

PRULink Money Market Fund (for fund switching only)

 PRULink Equity Index Tracker Fund

Learn more about the PRULink funds that you can select for this product

Other information

Product disclaimer
  1. 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.

  2. As an investment-linked insurance plan, the policy sustainability and fund values projected in PRULink Exact Protector quotations are merely predictions or estimations. They are not guaranteed results of the future.

  3. There are optional benefits that can be attached to PRULink Exact Protector such as providing additional coverage in the event of disability, accident, critical illness, and hospitalization. You as the policyowner can decide whether or not you need to avail of these benefits according to your needs.

  4. The terms & conditions (T&C) for PRULink Exact Protector 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 an investor may not get back the amount invested.

Optional benefits disclaimer

Important Considerations

  1. Pre-existing Conditions – medical conditions, injuries or illnesses that you already have before purchasing Life Care Advance Plus (LCAP), Multiple Life Care Plus (MLCP) and/or Hospital Income (HI) benefits will not be covered.

  2. Plan Exclusions – this plan and other optional benefits attachable to it has other conditions and exclusions that may affect the payment of the insurance proceeds.

  3. Free-look Period – you have 15 days from the date you receive your Policy Data Page to decide if LCAP, MLCP and/or HI benefits are for you. If you advise us that you wish to discontinue your coverage within this period, we will refund the benefit premium you paid in full.

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

Rider - optional benefits that you can attach to your life insurance plan to expand your coverage

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.