Simplified Increase in Coverage Campaign 2025

The Simplified Increase in Coverage campaign period is until 31 December 2025 only.

The campaign is open to policyowners of PRULink Assurance Account Plus (PAA Plus), PRUHealth Prime, PRULink Elite Protector Series (Elite), PRULove for Life (PLL), PRULifetime Income (PLI):

• with issue dates of 1 August 2024 to 31 July 2025

• whose base plan and critical illness (CI) riders were issued at standard rating;

• where the attained age of insured by 31 January 2026 is 19-55 years old; and

• who do not have a US Indicia (identification as a U.S. citizen or resident), adverse medical findings or claims records (filed, approved, or denied).
  
  

All requirements mentioned must be satisfied to avail of the offer.

If the client was found to have a record on any of the following during evaluation, the SIC application will have to undergo regular underwriting:

• Medical Information Database (MID) from any date

• Claim records (submitted, approved, or declined)

• Declared medical conditions in the submitted Policy Amendment Request Form (PARF), when applicable

• Increase in base plan sum assured of up to 100% of existing coverage or PHP 2M, whichever is lower.

• Increase in Accelerated Critical Illness riders sum assured (Crisis Cover Benefit and Life Care Benefit) of up to 100% of existing coverage or PHP 2M, whichever is lower.

• Increase in non-accelerated critical illness riders sum assured (Life Care Plus, Life Care Advance Plus and Multiple Life Care Plus) of up to 100% of existing coverage or PHP 1M, whichever is lower.

Important!
The increase in sum assured is also subject to the maximum CI benefit limit applicable to a single life.
For processing of the availment, the new coverage and modal premium offered in the email received by the policyowner will be followed.

Pru Life UK policyowners/clients will be presented with the option to increase their base plan and/or CI rider sum assured, for policies with attached and qualified CI riders.

For PRULove for Life and PRULifetime Income policies, the new premium is subject to change depending on the insured’s attained age on the updated sum assured’s effectivity date.

• Review the offer from the email coming from PRUExclusive@prulifeuk.com.ph

• Click on this link: Intent to Increase My Coverage

• Wait for the confirmation email to be sent to your registered email address within 7 business days

• Pay the additional premium through any of the available channels or have it applied on your next premium due date.

If the policy is updated in status and is currently enrolled in Automatic Debit Arrangement (ADA) or paying via credit card, the old premium plus the incremental increase in premium because of availment of this offer will automatically be billed on the next due date.

In case the policy status is not updated (ie. there are unpaid premiums) and the policyowner wants to avail of this limited-time deal, he/she needs to settle any unpaid premiums prior to availing the offer.

Example:

Product: PRULink Elite Protector 5

Tranching will also apply in fund allocation. Please refer to the illustration below.

Example:

Product: PRULink Elite Protector 5

The increase in sum assured will run its own contestability period which is two (2) years from the effective date of the increase in the sum assured.

The application will not be accepted under this offer.

Policyowner can make a separate request by using a Policy Amendment Request Form (PARF) that can be sent via email to contact.us@prulifeuk.com.ph.

The PARF should be accompanied by a sales illustration generated by the policyowner’s Pru Life UK agent.

Moreover, the policyowner may need to submit additional requirements like health declaration, financial documents, etc. as regular underwriting procedure will be applied.

Under this campaign, which offers simplified processing of requests for increase in insurance coverage, no other requests will be accommodated.

When a policyowner submits his details via the Intent to Increase Coverage page, the exact new sum assured value and new premium stated in the offer letter will be processed

Yes, it is possible to avail of the offer but the process will be different. Policyowner needs to do the following:

• Download and completely fill up a PARF.

• Have the PARF consularized.

• Send the PARF to contact.us@prulifeuk.com.ph

• Wait for the confirmation email about the increase in coverage.

• Make sure to send the original copy of all the requirements to Pru Life UK within 3 months of signing the PARF.

For this campaign offer, it means that the insured’s health is in the same state as when the policy was first issued, which was the basis for issuing the policy and/or riders at standard rating.

If the insured has any new health conditions (e.g. pregnancy, cysts, idiopathic headaches, etc.), the SIC application will have to be through submission of completely filled up PARF to contact.us@prulifeuk.com.ph. Application will undergo regular underwriting.

While no medical exams are required to avail of the offer, actual claims will be adjudicated and may be denied if fraud, concealment and/or misrepresentation is committed.

You may pay your premium due and the additional premium via the following:

• Payment Link Via Pru Life UK’s Corporate Page ​

• GCash

• Online bills payment through accredited banks (BPI, BDO, Metrobank, PNB, Security Bank & Robinsons Bank)

• Payment Centers (SM & Bayad Center)

Please refer here for more details on each payment facility.

1. Download the Policy Amendment Request Form (PARF).

2. Accomplish page 1 [Details of the Policyowner], page 3, items 12, 13 and 14 [Sum Assured/Benefit Amount/Premium/Riders] and affix your signature on page 5 [Declaration of Understanding] and [Certification of Customary Signature for Policyowner] to certify that you are in good health.
   

3. Submit the accomplished form to your servicing agent. In case you do not have an agent, you may submit the form via email to contact.us@prulifeuk.com.ph.

   For easier tracking, use the email subject: AS – SIC 2025

4. Upon advice of Pru Life UK, customers may pay the additional premium through any of the available channels or have it applied in your next premium payment.

After the new sum assured has taken effect, a new Policy Data Page will be sent to you via snail mail, which confirms the new coverage.

Your application will be reviewed and processed within 7 business days. Once approved, a confirmation email will be sent to your registered email address.

For assistance, you may contact your agent or our PRU Contact Center:

• (632) 8887-LIFE (8887-5433) for Metro Manila

• 1-800-10-PRULINK (1-800-10-7785465) for domestic toll-free

• contact.us@prulifeuk.com.ph