PRUMillion Protect

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.

View and download the FAQs.

• 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.