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PRUlink assurance account plus - product highlight

Product Details

Payment term

Whole life

Coverage period

Up to age 100

Issue age



Minimum annual premium:
Php 12,000

Maturity benefit

Sum Assured + Fund Value

Death benefit

In the event of death of the life insured, the sum of the following is payable:
a. sum assured
b. value of units in the policy
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.


Age of Death% of Sum Assured
0 10%
1 20%
2 40%
3 60%
4 80%
Core benefits

Accelerated Total and Permanent Disability (TPD) and Accidental Death and Disablement (ADD) (at minimum sum assured) as core benefit.

  • Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
  • ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.
Optional benefits

Optional riders include:

  • Accidental Death and Disablement - pays the benefit amount if life insured dies due to accident within one hundred and eighty (180) days of the accident before the policy anniversary immediately following his seventy-third (73rd) birthday.
  • Crisis Cover Benefit – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 critical illnesses or has undergone surgery due to critical illness, before the policy anniversary immediately following his sixtieth (60th) birthday.
  • Payor Waiver – It waives the payment of future premiums in the event of death of the Payor or the Payor becomes totally and permanently disabled.
  • Guaranteed Insurability Option Benefit – guarantees you the right to purchase additional Sum Assured at different Option dates without the Life Insured having to undergo any further medical examination.

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PRUlink funds

PRUlink funds

We take pride in offering you superior protection with a selection of funds managed by Eastspring Investments (Singapore) Limited.


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