PRUterm 15

PRUterm 15 is a fifteen (15) year term insurance product which is automatically renewed every 15 years, payable in fifteen (15) years. It is a simple and straightforward life insurance product which pays a lump sum benefit to the beneficiary if the insured dies within the specified term.


PRUterm 15 - product highlight 1

PRUterm 15 - product highlight 2

Product details

Payment term


Coverage period

Up to 15 years

Issue age



Minimum premium: PhP 7,500*

*at age 30

Maturity benefit

Not applicable

Death benefit

Sum assured

Core benefits

Not applicable

Optional benefits

PRUterm 15 can be enhanced by various riders as follows:

  • Accelerated Total and Permanent Disability – advances the benefit amount if the life insured is totally or permanently disabled due to injury or sickness
  • Accelerated Life Care Benefit – 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.
  • Accidental Death and Disablement - pays the benefit amount if life insured dies due to accident
  • Personal Accident – indemnifies the insured for injury or death due to accident
  • Hospital Income – provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness
  • 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
  • Life Care Waiver – waives all future premium payments 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 illnes

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