Get covered for life with PRULove for Life

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Insurance with Investment

PRUMillionaire

An investment-linked life insurance plan that maximizes the value of investment with a superior selection of funds
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Get more for your investment
Maximize the value of your investment component through a significantly lower initial charge of 0.5%.
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Grow your funds with one-time payment
Pay once and get issued a plan with no medical requirements necessary.
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Adjust your investments
Flexibility at its finest with four (4) free fund switches and the option to top up anytime.
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Receive potential regular quarterly payouts
Enjoy PHP or USD cash payouts when you invest in PRULink Cash Flow Fund.

Product features

Payment term

Enjoy the ease of availing this product through one-time payment and the option to top up on the investment component anytime.

Duration of coverage         

The duration of the coverage is up to 100 years(or up to age 100 of insured).

Age requirement   

The plan is eligible for applicants from 0 to 70 years old for the insured, 18 to 99 years old for the policy owner.

Minimum payment

Payment starts at PhP 1,000,000.00

Learn more about the product

Core benefits

Death benefit - 125% of single premium plus 125% of top-ups less 125% of all partial withdrawals or the fund value, whichever is higher

Maturity benefit - fund value

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 Cash Flow Fund

PRULink Proactive Fund

PRULink Dollar Cash Flow Fund Plus (NEW!)

PRULink Equity Fund

PRULink Asian Balanced Fund

PRULink Money Market Fund

PRULink Asia Pacific Equity Fund

PRULink Cash Flow Fund Plus – PhP Hedged Share
Class (new)

 PRULink Global Emerging Markets Dynamic Fund

PRULink Global Market Navigator Fund

 

PRULink Equity Index Tracker Fund

 

 

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

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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 PRUMillionaire quotations are merely predictions or estimations. They are not guaranteed results of the future.

  3. The terms & conditions (T&C) for PRUMillionaire 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.

Definition of terms

Premium - a specified amount of money that you pay in exchange for the coverage provided by your insurance plan

Fund switch - old units in the old fund of choice will be sold and used to buy the units of the new fund, effectively changing the fund your premium is invested in

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

Top up - an additional payment on top of the regular premium