Show PRU Love for the ones you care for the most!

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Insurance with investment

PRUMax Invest

A term life insurance plan that gives you the best features of both traditional and investment-linked products

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Get insurance and investment in an affordable package
Protect yourself and your hard-earned money with the guaranteed protection benefit and potential investment gains through the Variable Life (VL) rider at an affordable premium.
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Get coverage for 15 years
Put your mind at ease with a 15-year coverage that is automatically renewable if the insured is below the age of 66.
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Convert your current plan into a permanent one
On the 5th policy year, you may convert your term plan to a permanent one without submitting medical requirements.
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Enjoy flexibility
Power up your plan with additional benefits to further provide you financial security from before the accidents, illnesses and hospitalization.

Product features
Payment term

Pay for your plan in 15 years.

Duration of coverage         

The duration of the coverage is up to 15 years.

Age requirement   

The plan is eligible for applicants from 18 to 65 years old.

Minimum annual* payment

For PRUMax Value 15, payment starts at PhP 7,120 for interested applicants from 18 to 20 years old.

For the Variable Life rider payment starts at PhP 5,000.

*Other payment frequency options available

Learn more about the product

Core benefits
Death benefit
  • The total death benefit of PRUMax Invest will be composed of the following:


  1. Sum assured of PRUMax Value 15, plus

  2. Death benefit of the Variable Life Rider

Optional benefits
Protection against accident, death, and disability:
  • Accelerated Total and Permanent Disability - cash benefit deducted from the base plan and paid in advance in case of sickness or injury

  • Waiver of Premium on Total and Permanent Disability– exemption from paying the succeeding premiums if the insured becomes totally and permanently disabled

  • Accidental Death and Disablement – an additional cash benefit in case the insured meets an accident that results in bodily injury, death or disability

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


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

  • Life Care Waiver – 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 benefits such as the Intensive Care Unit Benefit, Long-Term Hospitalization Benefit, and Surgical Expense Reimbursement
Fund selection

Peso funds

PRULink Bond Fund

PRULink Managed Fund

PRULink Growth Fund

PRULink Proactive Fund

PRULink Equity 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

Investment component of your life insurance policy (if a Variable Life optional benefit is attached to PRUMax Invest)

Past performance is not necessarily a guide to future performance. The levels and basis 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 a Hospital Income (HI) benefit 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 the HI benefit is for you. If you advise us that you wish to discontinue your coverage within this period, we will refund the HI 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

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.

Variable Life Rider - an optional benefit you can attach to select traditional life insurance products to add an investment component. This benefit is included by default to PRUMax Invest