Product highlights

PRUlink assurance account plus - product highlight 1

PRUlink assurance account plus - product highlight 2

Product details

Payment term

Whole life

Coverage period

Up to age 100

Issue age

0-70

Limits

Minimum premium:

  • PhP 25,000 (for peso-denominated policies)
  • USD 580 (for dollar-denominated policies)
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; and
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

Accelerated Life Care Benefit (LCB) – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 36 critical illnesses or has undergone surgery due to critical illness

Life Care Plus (LC Plus) – pays the benefit amount if the life insured has been diagnosed to be suffering from any of the 36 critical illnesses or has undergone surgery due to critical illness, while keeping the basic sum assured intact

Multiple Life Care Plus (MLCP) – a benefit that pays multiple critical illness claim paid on top of the basic insurance cover

Life Care Advance Plus (LCAP) – a benefit that pays an additional amount on top of the basic insurance cover upon early detection of any of the 10 listed critical illness

Payor Term – pays the benefit amount if the Payor dies

Personal Accident – indemnifies the insured for injury or death due to accident

Hospital Income Benefit – provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness

Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled

Life Care Waiver (LCW) – waives all future premiums until the expiry date of premium paying term if life insured is diagnosed to be suffering from any of the critical illnesses or has undergone surgery due to critical illness covered under LCB

Waiver of Premium on Total and Permanent Disability – waives all future premiums until the expiry date of premium payment term if the life insured becomes totally and permanently disabled due to bodily injury or disease

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PRUlink funds

PRUlink funds

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