PRULife Your Term

An affordable one-year term plan with high protection coverage that can be upgraded by adding optional benefits, including protection against accident, hospitalization and critical illness. It can also help address various investment needs through Variable Life (VL) Rider.

Product highlights

Affordable premiums

High protection coverage

Upgradable with optional riders

Yearly renewable until age 89

Coverage period

One year coverage term; yearly renewable up to age 89

Issue age

0 to 79 years old

Limits

Premium starts at PhP 8,000*

*For ages 0 to 39

Core benefits

Death benefit

Protection against accident, death, and disability:

  • Accelerated Total and Permanent Disability - a cash benefit deducted from the base plan and paid in advance in case of sickness or injury that may make the insured unable to work or never be able to work again, or require constant assistance even in basic activities such as moving, bathing, and feeding
  • Waiver of Premium on Total and Permanent Disability– a benefit that waives the insured from paying succeeding premiums if he/she suffers from sickness or injury that may make him/her unable to work again, or require constant assistance even in basic activities such as moving, bathing, and feeding
  • Accidental Death and Disablement – an additional cash benefit in case the insured meets an accident that resulted to death or disability
  • Personal Accident – a comprehensive accident rider that gives cash benefit in the event the insured suffers injuries, disability or death due to accidents
  • Payor Waiver – a benefit that waives those insured aged 25 and below from paying the premium of the policy if the payor dies or becomes totally and permanently disabled

Protection against critical illness:

  • Life Care Benefit – a cash benefit deducted from the base plan and paid in advance in case the insured is diagnosed with or has undergone surgery due to any of the 36 critical illnesses covered
  • Life Care Waiver – a benefit that waives the insured from paying succeeding premiums if he/she has been diagnosed with a critical illness or has undergone surgery due to critical illness

Protection against hospital expenses:

  • Hospital Income– cash benefit for each day of hospital confinement due to injury or illness. May be upgraded by adding other riders such as: Intensive Care Unit Benefit, Long-Term Hospitalization Benefit, and Surgical Expense Reimbursement

Wealth accumulation:

  • Variable Life Rider – gives an opportunity to grow your money by investing in any of Pru Life UK’s well-performing funds

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