PRUServices

FREQUENTLY ASKED QUESTIONS

PRUServices allows you to access and manage your policies via any web browser (Google Chrome, Microsoft Edge, Safari, Firefox etc.) on your mobile phone or desktop.

Go to https://pru.ph/PRUServices or click here to visit the website.

You can see your registered personal details, policy number, insurance benefits, payment terms, financial benefits, and agent’s contact details. 

• To create a new account:

  • Step 1: Visit pru.ph/PRUServices & tap “Create Account”

  • Step 2: Use your Pru Life-registered email address

  • Step 3: Verify with a one-time password

  • Step 4: Link your policies by typing your policy number
    
    

• If you have an existing PRUAccess or Pulse account, use the same email and password to activate your PRUServices account.

• If your Pulse account was created through Facebook, Google or Apple ID, use this social media email and this default password format: P + 1st 2 letters of last name (lowercase) + 1st 2 of first name (lowercase) + @ + birthday in ddmmyyyy. Example: John Doe born 1 December 1990 = Pdojo@01121990

• Select 'Forgot Password' to reset your password.

Yes, you can access PRUServices on your mobile phone or desktop except for these high-risk countries: 

• Afghanistan

• Bangladesh

• Brazil

• China

• Cuba

• India

• Iran

• Japan

• Nepal

• North Korea

• Pakistan

• Romania

• Russia

• Syria

• Turkey

While both platforms allow you to view and manage your policies, the PRUServices website offers a friendlier interface, with initial features such as: 

• View policy details and financial value

• Update contact information

• Pay online, enroll in auto-pay, & manage payment frequency

• Request for digital policy cancellation

• View payment transaction history

• Update beneficiary

• View e-policy kit

Yes, you can link multiple policies, whether they are conventional policies (purchased through agents) or digital policies (purchased through Pru Life UK's website or Pulse).  

If you recently changed your email address through your agent or the PRU Contact Center, you can link your policy on PRUServices using the updated email address the following business day.

For any assistance, you may get in touch with our PRU Contact Center:

- (632) 8887-5433 (for Metro Manila) 

- 1-800-10-7785465 (for PLDT domestic toll-free)

- contact.us@prulifeuk.com.ph 

For digital policies (purchased through Pru Life UK’s website or Pulse), updated contact details will be reflected on the same day. 

For conventional policies (purchased through an agent), updated contact details will be reflected within 24 hours.

Yes, you can settle your upcoming renewal premiums through the 'Pay Premium' feature using a JCB, Mastercard or VISA debit/credit card if your policy is:

• peso-denominated policy purchased through an agent,
• active and in premium paying status,
• under monthly, quarterly, semi-annual, or annual payment mode, and    
• under cash or auto-pay via credit/debit card

Your payments will be posted on your account within 24 hours.
The Pay Premium feature is currently not available for:

• dollar-denominated policies              
• third-party payor payments (paying party is not the policyowner)
• initial premium payment for new policies
• top-ups-advance payments for policies enrolled in auto-pay

Yes, you can pay your missed premium on PRUServices sixteen (16) days after your policy's due date. This is to ensure that your enrolled credit card or bank account was not successfully charged before you pay through PRUServices.

Yes, you can enroll a new debit/credit card or update your existing auto-pay enrollment in the ‘Update/Enroll for Auto-Pay’ section. This feature is available if your policy is:

• purchased through an agent,
• active and in premium paying status, and
• with no outstanding premiums
  
  

After a successful transaction, the policyowner will receive a confirmation email within 24 hours. The change will also take effect within 24 hours.

This feature is currently not available for:

• third-party payor payments (paying party is not the policyowner)
• inactive (lapsed, matured, or terminated) policies
• fully paid and single-pay policies
• policies with outstanding premiums
• policies purchased through Pru Life UK’s website or Pulse

Accepted card brands are Visa, Matercard, and JCB.

No, your card will not be charged on the same day of enrollment. Instead, your card will be rebilled on the next day.

For digital policies (purchased through Pru Life UK’s website or Pulse), you can view the following documents:​

• Product Summary​

• Data Privacy Statement​

• Declaration of Understanding​

• Products Terms and Conditions​

• Products Benefits​

• Policy Info​

• Auto Renewal Terms and Conditions​

• Designated Beneficiary​

• Contract Endorsement​

For conventional policies purchased through an agent in February 2024 or later, you can view these documents:​

• Welcome Letter ​

• Policy Data Page​

• Quotation Proposal​

• Application Form​

• Suitability Assessment Form​

• Contract E-policy Booklet​

Yes, cancelled policies can still be viewed on PRUServices for up to 10 years, but further transactions will not be available anymore.

No, electronic official receipts (e-ORs) are currently unavailable on PRUServices.

However, you can view the history of your renewal premiums payments for your regular-pay or limited-pay investment-linked policies.

Yes, you can download and print your e-policy from “View Documents” if you prefer a physical copy.

Yes, you can change or update your beneficiaries through PRUServices if your policy is active. The update will be reflected within 24 hours.

Yes, all values are updated daily. Fund values shown are as of the latest unit pricing date for investment-linked policies, and as of viewing date for traditional policies.

In case of a claim, withdrawal, surrender, or loan, the actual payout value may vary from the values shown as of your viewing date and will be subject to further validation and processing.

Step 1: Log in to PRUServices and select your desired policy.

New to PRUServices? Know more on this link or create an account now.

Step 2: Select “More Services” icon under Popular Services, then click “Partial Withdrawal.”

Step 3: Read and scroll down to bottom of the notice to enable “I understand” button. Click to proceed.

Step 4: Under the dropdown “Reason for withdrawal,” select “Requested withdrawal,” then click “Continue.”

Step 5: Check the withdrawal amount breakdown for possible surrender charge, then click “Continue.”

Step 6: Choose your preferred payout option: GCash or bank deposit. Fill out the details and agree on declarations/agreements, then click “Continue.”

Step 7: Review the summary of request, then click “Submit.”