To create a new account:
Step 1: Visit pru.ph/PRUServices and 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.
PRUServices
- Account Access
- Transactions
You can see your registered personal details, policy number, insurance benefits, payment terms, financial benefits, and agent’s contact details.
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
Ukraine
USA
You can make requests such as:
- Update contact details
- Enroll in auto-pay
- Pay with debit/credit card
- Change payment frequency
- Update beneficiary
You can also view your registered personal details, policy number, insurance benefits, payment terms, financial benefits, and agent’s contact details.
Watch out for more features coming soon!
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, and 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
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.”
Policy contract
To request for a replacement contract, please submit to your agent or any Pru Life UK customer center near you a duly accomplished and notarized Agreement Pertaining to Loss or Destruction of Policy Form along with a payment of PhP150.00.
Your policy contract can be used as part of a collateral agreement. The proceeds of your policy are shared with your assignee (the individual receiving full or part of your insurance proceeds). To assign, submit your policy contract to your agent or any Pru Life UK customer center near you, together with a duly accomplished and notarized Assignment of Policy Form, a copy of the Loan Agreement Form, and consent of Irrevocable Beneficiaries and Release of Previous Assignment Form, if any.
As soon as you have fully paid your loan from where you assigned the policy, you may request for the release of your policy's assignment. To do this, submit the following to your agent or any Pru Life UK customer center near you:
Accomplished Release of Policy Assignment Form
Policy Amendment Request Form (for change of beneficiary)
Secretary's Certificate of Board Resolution (if the Assignee is a Corporation) authorizing an officer to sign for the Company
Withdrawals
Yes, you can withdraw from your policy’s funds once your policy has a withdrawal value. You can apply for a partial withdrawal any time by asking us to sell some of the units allocated to your account. The price used to sell units depends on the timing when we receive your application.
If you partially withdraw from your policy/ies, you will reduce its fund value and death benefit in the event of a claim. The fund value may also become insufficient to support your insurance coverage and its charges. In this instance, it might be necessary to provide additional premiums and top-ups in the future to ensure that your policy remains active.
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.”
Yes, you can fully withdraw your policy.
When you withdraw your investment-linked life insurance policy, you also fully withdraw all its benefits and the opportunity for the investment linked to your insurance plan.
Similarly, when you surrender your traditional policy for the cash value, your policy and all its benefits will be automatically terminated. The cash surrender value will be significantly lower than the premiums paid if you surrender your policy during the early policy years.
If you are withdrawing your current policy to purchase a new policy, your current policy may be subject to withdrawal charges, and any projected earnings from the withdrawn amount will be forfeited.
Moreover, the new policy will be subject to: 1) charges for newly purchased products, 2) a new contestability period, 3) higher premium depending on your age and medical condition. Lastly, plan features, or riders attached to your existing policy may no longer be available in a new policy.
To request for a full withdrawal (Cash Surrender or Cooling off), submit a duly accomplished and signed Policy Surrender Form with consent of irrevocable beneficiary/ies, if any, and a valid government-issued ID to your agent or via email at contact.us@prulifeuk.com.ph.
