Retirement

Whole life

• 5-pay
• 7-pay
• 10-pay
• 15-pay

• 5-pay
• 7-pay
• 10-pay
• 15-pay

Single Pay

• 10-pay
• 15-pay

Whole Life

Up to age 100

Up to age 100

Up to age 100

Up to age 99

Up to age 100

Up to age 100

0-70

0-70

0-70

0-70

0-70

0-70

Minimum premium:

• PhP 25,000 (for peso-denominated policies)
• USD 580 (for dollar-denominated policies)

Minimum premium:

For peso-denominated policies:

• PEP 5 - PhP 40,000
• PEP 7 - PhP 40,000
• PEP 10 - PhP 35,000
• PEP 15 - PhP  35,000

For dollar-denominated policies:

• PEP 5 - USD 900
• PEP 7 - USD 825
• PEP 10 -  USD 675
• PEP 15 - USD 600

There are flexible payment terms available depending on your need and budget:

• Five (5)-year payment period with a minimum premium of PhP200,000/year (USD4,500/year)
• Seven (7)-year payment period with a minimum premium of PhP 150,000/year (USD 3,300/year)
• Ten (10)-year payment period with a minimum premium of PhP 110,000/year (USD 2,500/year)
• Fifteen (15)-year payment period with a minimum premium of PhP 75,000/year (USD 1,700/year)

Minimum Premium:
PHP 100,000

Minimum Premium:
PHP18,000
USD N/A

Minimum annual premium:
Php 12,000
USD N/A

Sum assured + fund value

Sum assured + fund value

Sum assured + fund value

Fund value

Sum Assured + Fund Value

Sum Assured + Fund Value

In the event of death of the life insured, the sum of the following is payable:

a. sum assured;
b. value of units in the policy; and
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.

In the event of death of the life insured, the sum of the following is payable:

1. sum assured;
2. value of units in the policy; and
3. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.

In the event of death of the life insured, the sum of the following is payable:

1. sum assured;
2. value of units in the policy; and
3. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the 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

In the event of death of the life insured, the sum of the following is payable:
a. sum assured
b. value of units in the policy
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.

In the event of death of the life insured, the sum of the following is payable:
a. sum assured
b. value of units in the policy
c. 125% of all top-ups less 125% of all withdrawals on the top-up units.

A child’s lien, in accordance with the following schedule, is applicable to the [a] and [c] portions of the death benefit.

Accelerated Total and Permanent Disability (TPD) and Accidental Death and Disablement (ADD) (at minimum sum assured) as core benefit.

• Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
• ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.

Accelerated Total and Permanent Disability (TPD) and Accidental Death and Disablement (ADD) (at minimum sum assured) as core benefit.

• Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
• ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.

• Total and Permanent Disability (TPD) and Accidental Death and Disablement (ADD) (at minimum Sum Assured) as core benefit
• Accidental Death and Disablement Benefit – pays the benefit amount if the life insured dies due to accident within one hundred and eighty (180) days of the accident before the policy anniversary immediately following his seventy-third (73rd) birthday.

Not applicable

Accelerated Total and Permanent Disability(TPD) and Accidental Death and Disablement (ADD) (at minimum Sum Assured) as core benefit.

• Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
• ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.

Accelerated Total and Permanent Disability (TPD) and Accidental Death and Disablement (ADD) (at minimum sum assured) as core benefit.

• Accelerated TPD - accelerates a portion of the sum assured if the life insured becomes totaly and permanently disabled.
• ADD - pays the benefit amount if the life insured dies or becomes disabled due to accident.

• Accelerated 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 Plus (LC Plus) – pays the benefit amount 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, while keeping the basic sum assured intact

• Multiple Life Care Plus (MLCP) – a benefit that pays multiple critical illness claim paid on top of the basic insurance cover

• Life Care Advance Plus (LCAP) – a benefit that pays an additional amount on top of the basic insurance cover upon early detection of any of the 10 listed critical illness

• Payor Term – pays the benefit amount if the Payor dies

• Personal Accident – indemnifies the insured for injury or death due to accident

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

• Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled

• 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 LCB

• 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

Optional riders include:

Protection against accident, death, and disability

• Personal Accident – indemnifies the insured for injury or death due to accident
• Additional Term – pays the benefit amount if life insured dies
• Payor Term – pays the benefit amount if the Payor dies
• 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
• Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled

Protection against critical illness

• Crisis Cover Benefit (CCB) – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 pre-identified critical illnesses or has undergone surgery due to 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 Plus (LCP) – pays the benefit amount 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, while keeping the basic sum assured intact
• Mulitple Life Care Plus (MLCP) – a benefit that pays multiple critical illness claim paid on top of the basic insurance cover
• Life Care Advance Plus (LCAP) –  a benefit that pays an additional amount on top of the basic insurance cover upon early detection of any of the 10 listed 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 CCB, LCB, or LCP

Protection against hospital expenses

• Hospital Income Benefit - provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness

Protection against accident, death, and disability

• Accidental Death and Disablement – pays the benefit amount if the life insured dies due to accident
• Personal Accident – indemnifies the life insured for injury or death due to accident
• Additional Term – pays the benefit amount if life insured dies
• Payor Term – pays the benefit amount if the Payor dies
• Waiver of Premium on Total and Permanent Disability – waives all future regular premiums falling due after commencement of TPD if the life insured becomes totally and permanently disabled due to bodily injury or disease
• Payor Waiver – waives the payment of all future regular premiums in the event of death of the payor or if the payor becomes totally and permanently disabled

Protection against critical illness

• Accelerated Crisis Cover Benefit (CCB) – pays the benefit amount by advancing the basic sum assured if the life insured has been diagnosed to be suffering from any of the fifteen (15) critical illnesses
• Accelerated Life Care Benefit (LCB) – pays the benefit amount by advancing the basic sum assured if the life insured has been diagnosed to be suffering from any of the thirty-six (36) critical illnesses or has undergone surgery due to critical illness
• Life Care Plus (LCP) – pays the benefit amount if the life insured has been diagnosed to be suffering from any of the thirty-six (36) critical illnesses or has undergone surgery due to critical illness
• Mulitple Life Care Plus (MLCP) – provides up to 310% of the benefit amount as the life insured may file for claims up to three (3) times if he has been diagnosed to be suffering from a critical illness or has undergone surgery due to critical illness while the policy is still in force. Each claim is payable for 100% of the benefit amount, provided the illness falls under separate categories in the critical illness group and the life insured is diagnosed with another critical illness at least one (1) year after the diagnosis of an immediately preceding critical illness claim. Additional benefit equal to 10% of the sum assured is payable if diagnosed to undergo Angioplasty prior to the occurrence of the first critical illness claim
• Life Care Advance Plus (LCAP) – advances 25% of the benefit amount if the life insured is diagnosed with any of the ten (10) identified early stage critical illnesses. This can be availed up to four (4) times, provided that succeeding claims are from different early stage critical illnesses. Any remaining unused benefit amount is paid if the life insured is diagnosed as being in the advanced stage of any one of the thirty-six (36) listed critical illnesses. Special benefits for Angioplasty (10%), Diabetic Complications (20%), and Advanced Stage Cancer (20%) are payable as long as the benefit is not yet fully claimed or this rider has not been terminated yet
• Life Care Waiver (LCW) – waives all future regular premiums until the expiry date of the premium paying term if life insured is diagnosed to be suffering from any of the critical illness or has undergone surgery due to a covered critical illness

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

• 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.

Optional riders include:

Protection against accident, death, and disability

• Personal Accident - indemnifies the insured for injury or death due to accident
• Additional Term – pays the benefit amount if life insured dies
• Payor Term - pays the benefit amount if the Payor dies
• 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
• Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled

Protection against critical illness

• Crisis Cover Benefit (CCB) – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 pre-identified critical illnesses or has undergone surgery due to 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 Plus (LCP) - pays the benefit amount 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, while keeping the basic sum assured intact
• Mulitple Life Care Plus (MLCP) - a benefit that pays multiple critical illness claim paid on top of the basic insurance cover
• Life Care Advance Plus (LCAP) -  a benefit that pays an additional amount on top of the basic insurance cover upon early detection of any of the 10 listed 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 CCB, LCB, or LCP

Protection against hospital expenses

•  Hospital Income Benefits - provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness

Optional riders include:

• Accidental Death and Disablement - pays the benefit amount if life insured dies due to accident within one hundred and eighty (180) days of the accident before the policy anniversary immediately following his seventy-third (73rd) birthday.
• Crisis Cover Benefit – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 critical illnesses or has undergone surgery due to critical illness, before the policy anniversary immediately following his sixtieth (60th) birthday.
• Payor Waiver – It waives the payment of future premiums in the event of death of the Payor or the Payor becomes totally and permanently disabled.
• Guaranteed Insurability Option Benefit – guarantees you the right to purchase additional Sum Assured at different Option dates without the Life Insured having to undergo any further medical examination.

The percentage of allocation for PRUlink exact protector varies as follows: