PRUmax invest

PRUmax invest is a life insurance package that integrates the best features of traditional and investment-linked products – guaranteed protection benefit of a term plan and investment gains through the Variable Life (VL) Rider.

Product highlights

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PRUmax product highlight 1

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Product details

Payment term


Coverage period

Up to 15 years

Issue age



Minimum premium: PhP 12,500 (PRUterm 15 and Variable Life Rider)

Maturity benefit

Not applicable

Death benefit

The total death benefit of PRUmax invest will be composed of the following:

  1. Sum assured of PRUmax value 15, plus
  2. Death benefit of the Variable Life Rider.

When a Variable Life Rider payment is made concurrent with the base plan's policy effectivity date:

Full death benefit is equal to the higher of:

  1. 125% of all top-ups less 125% of all withdrawals on the top-up units, or
  2. Value of units in the policy

When a Variable Life Rider payment is different with the base plan’s policy effectivity date:

Death occurs within two years:

  1. Accidental death = full death benefit
  2. Non-accidental death = return of value of units plus upfront and insurance charges paid

Death occurs after two years:

  1. Accidental or non-accidental death = full death benefit
Core benefits

Variable Life Rider

Optional benefits

Enhance your PRUmax invest benefits by availing any of the following:

Protection against accident, death, and disability

  • Accidental Death and Disablement – pays the sum assured of the Accidental Death and Disablement Benefit if the life insured dies due to accident. It also provides additional cash benefit based on a table of disability condition
  • Personal Accident – pays a lump sum amount equal to sum assured in case of death, or schedule of benefits in case of disability and/or dismemberment
  • Waiver of Premium due to Total and Permanent Disability – waives all future regular premiums falling due after commencement of Total and Permanent Disability Benefit if the life insured becomes totally and permanently disabled due to accident or illness

Protection against critical illness

  • 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 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 Life Care Benefit

Protection against hospital expenses

  • Hospital Income Benefit – provides daily and/or lump sum cash benefits to the life insured for hospitalization due to injury or illness

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