Product highlights

PRUlink investor account plus - product highlight 1

PRUlink investor account plus - product highlight 2

Product details

Payment term

Single Pay

Coverage period

Up to age 99

Issue age

0-70

Limits

Minimum Premium:
PHP 100,000

Maturity benefit

Fund value

Death benefit

For the first two (2) years from the policy effective date:
(1) If death is due to accident, the full death benefit will be paid. i.e. higher of:

(a) 125% of single premium plus 125% of all top-ups less 125% of all partial withdrawals; or
(b) the fund value

(2) If death is due to causes other than accident, the death benefit is limited to return of the value of units plus initial charge, policy fee, and all insurance charges paid.

If death occurs after two (2) years from policy effective date, the full death benefit is payable regardless of cause. i.e. higher of:

(a) 125% of single premium plus 125% of all top-ups less 125% of all partial withdrawals; or
(b) the fund value

Core benefits

Not applicable

Optional benefits

• Non-accelerated Total & Permanent Disability

If the life insured becomes totally & permanently disabled due to bodily injury or disease before the policy anniversary immediately following the 70th birthday of the insured, the Non-Accelerated TPD benefit will be paid. Benefit amount is at least 100% of the Singe Premium. Occupational rating, if any, will still apply for this rider.

• Personal Accident*


The PA rider is designed to indemnify the insured for injury or death due to accident.
PA packages consist of ADD benefit of at least 100% of the Singe Premium and pre-selected optional PA components at pre-set sum assured. The following PA packages are available:


i) PA Standard which consists of PA-Accidental Death and Disablement, PA-Accidental Total and Permanent Disability, and PA - Murder and Assault
ii) PA Executive which consists of PA-Accidental Death and Disablement, PA-Accidental Total and Permanent Disability, PA - Murder and Assault, and PA - Double Indemnity
iii) PA Power which consists of PA-Accidental Death and Disablement, PA-Accidental Total and Permanent Disability, PA - Murder and Assault, and PA - Dangerous Sports Coverage
iv) PA Junior which consists of PA-Accidental Death and Disablement, PA-Accidental Total and Permanent Disability, and PA - Field Trip Coverage
*PA - Accidental Medical Expense Reimbursement benefit is also available as an optional benefit to any of the 4 packages above.

Occupational rating, if any, will still apply for this rider.

• Additional Term Rider Provides additional death benefit equal to 100% of the Single Premium if life insured dies before the age of 75. The GIO provision will apply for this rider.

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