Pru Life UK introduces PRUTerm Lindungi, its first Shari’ah compliant life protection in the Philippines

Pru Life UK proudly launches PRUTerm Lindungi, its first life protection plan in the Philippines that is compliant with Islamic laws. Rooted in the principles of mutual aid, fairness, and shared responsibility, this product offers ethical, inclusive, and affordable financial protection for all Filipino communities—regardless of faith, background, or income.

For as low as PHP250 per year, policyholder-participants are guaranteed with PHP100,000 in death benefit. PRUTerm Lindungi has no riba (interest), no maysir (gambling), and no gharar (uncertainty).

Available to Filipinos aged 18 to 60, PRUTerm Lindungi is renewable on a yearly basis, offering a flexible and accessible option for more Filipinos to meet their protection needs.

Contributions go into a Shari’ah-compliant Tabarru’ Fund or shared fund managed by Pru Life UK, separate from its conventional business. Claims for participants will be sourced from the Tabarru’ Fund. Any unused funds, if available, will be fairly distributed, reinforcing transparency and solidarity within the community.

While made with our Muslim brothers and sisters in mind, this product is for everyone. PRUTerm Lindungi adheres to Islamic principles while welcoming individuals of all religions, ethnicities, and walks of life. It is especially suited for breadwinners, parents, small business owners, and young adults, including students, seeking peace of mind and financial security for their loved ones.

“This is life protection powered by and for the community,” said Paul Mandal, Senior Vice President and Chief Legal and Sustainability Officer of Pru Life UK. “With PRUTerm Lindungi, we’re offering a protection plan that respects diverse beliefs and celebrates solidarity. It’s designed to be affordable and accessible for Muslims and all individuals across religions and from all walks of life. It’s one of our many ways of empowering families and communities—for every life, for every future.”

Backed by Pru Life UK’s trusted legacy and Prudential’s deep commitment in providing Islamic financial solutions, PRUTerm Lindungi is a faith-based protection modelled after successful Takaful products from Prudential’s businesses in Malaysia and Indonesia. The name Lindungi—meaning “to protect” in Bahasa Malaysia and Indonesia—embodies the core of this initiative: protection for every faith, every Filipino, and every future.

For more information on PRUTerm Lindungi, please visit www.prushoppe.com/products/pru-term-lindungi