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

Term and investment product in one

Affordable premiums for investment

Upgradable with optional riders

Product details

Payment term

Payable in 15 years

Coverage period

Up to 15 years

Issue age

18 to 65 years old

Limits

PRUMax Value 15:

  • Premium starts at PhP 7,120*
    *For ages 18 to 20

Variable Life Rider:

  • Premium starts at PhP 5,000
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
  • Death benefit of PRUMax Value 15
  • Death benefit of the Variable Life Rider

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

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

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