Benefits you can count on

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    4% annual cash payouts for 7 years​

    Enjoy yearly cash benefits equivalent to 4% of your one-time premium from the end of Year 1 until maturity​

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    Guaranteed Full Premium Back at Maturity​

    Get 100% of your one-time premium back at the end of the 7-year coverage period​

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    Life Insurance Protection​

    Beneficiaries will receive 125% of the one-time premium as life insurance coverage when life takes an unexpected turn​

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    Accessible, hassle-free Digital Application​

    Start growing and protecting your money with a one-time premium of ​ PHP 50,000 through PRUShoppe.com​

Life insurance protection may vary based on the cause of death within the first two (2) years from policy issuance. Payout and maturity benefit are based on the single premium paid. These are payable only if the insured is alive and the policy is in force at each policy anniversary and at maturity. Outstanding policy loans will be deducted from any benefits payable.​

Product terms and conditions apply.​

Learn more about the product

  1. Death Benefit –Your beneficiaries will receive either 125% of the single premium for accidental death or 100% of the single premium for non-accidental death, if death happens within two (2) years from issuance. They will receive 125% of the single premium, regardless of the cause of death, if death happens after two (2) years from issuance.​

  2. Guaranteed Annual Payout –Receive assured yearly payouts equivalent to 4% of the single premium paid until the policy maturity date as long as the Life Insured is alive on each policy anniversary when a payout is due. The policyowner is not allowed, at any time, to leave the annual payout to the company with the intent to accumulate additional earnings.​

  3. Maturity Benefit –  Get 100% of the single premium paid if the policy is in force at the end of the 7-year coverage period. Any outstanding loans and interest are deducted from the Death Benefit, Maturity Benefit, or Guaranteed Annual Payout.​

Product Features

Payment term
Avail this product through one-time payment.

Duration of coverage
The duration of coverage is 7 years.

Age requirement     
Insured should be 18 to 60 years old at the time of application​

Single premium
PHP 50,000​

  1. Policy Surrender and Schedule of Net Cash Values – The policy may be surrendered before the Policy Maturity Date for its net surrender value which is the cash value less any outstanding policy loan and interest. The Schedule of Net Cash Values forms part of the Policy Booklet and is provided to the customer upon issuance of the policy.

  2. Policy Loan – A loan may be obtained not exceeding the maximum loanable amount which is 80% of the available cash value. The amount of loan and interest is payable on or before the next policy anniversary. If the loan remains unpaid by then, both loan and interest become a new loan on which interest will be charged at the rate in effect on that date. Any outstanding loans and interest are deducted from any payable benefits.

  1. This plan and other benefits attachable to it have other conditions and exclusions that may affect the payment of the insurance proceeds. The complete terms and conditions are found in the Policy Contract. In the event of conflict between this material and the Policy Contract, the latter shall prevail.

  2. Guaranteed Insurability Offer (GIO) – Medical underwriting is not required to issue the policy. However, this does not mean guaranteed approval of application. It may still be declined for reasons such as, but not limited to, the following: (1) Exceeded the GIO limits set by Pru Life UK, (2) Non submission of complete requirements for Anti-Money Laundering Act (AMLA), Counter Terrorist Financing (CTF), and Economic Sanctions Regimes (Issuances) , (3) Non completion of information in the GIO application form. If policy is not issued, 100% of the single premium paid will be returned.