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.

Highlights

Affordable premiums

Renewable and convertible

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

Premium starts at PhP 7,120*

*For ages 18 to 20

Core benefits

Death benefit of the base plan

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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