PRUlink

product
specification
guide
PRUlink investor account plus 2
PRUmillionaire 4
PRUlink exact protector 6
PRUlink elite protector 8
PRUlink assurance account plus 10

USEFUL TERMS:
ADD - Accidental Death and Disablement
AMC - Annual Management Charge
ATR - Additional Term Rider
CCB - Crisis Cover Benefit
DB - Death Benefit
FV - Fund Value
HI - Hospital Income
LCAP - Life Care Advance Plus
LCB - Life Care Benefit
LC Plus - Life Care Plus
LCW - Life Care Waiver
MLCP - Multiple Life Care Plus
PA - Personal Accident
Payor Waiver of Regular Premium Benefit
PTR - Payor Term Rider
SA - Sum Assured
SP - Single Premium
TPD - Total and Permanent Disability
WPTPD - Waiver of Premium due to Total and Permanent Disability

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 B. CHARGES
PRUlink investor account plus Initial charge 3%
A. PRODUCT FEATURES
Top-up initial 3%
Plan type Single pay unit-linked plan charge
Denomination Peso/Dollar Fund value charges The following charges (inclusive of applicable taxes) are
Issue age 0 – 70 years old deducted monthly from the fund value
• Insurance charge
Coverage period Up to age 100 (riders benefit term has a ceiling age • Rider charge (if rider/s is/are elected)
depending on the type of rider)
Fund switching 1% of the fund switched
Payment term One-time charge (This applies after 4 free switches/year)
Minimum single premium Surrender charge 5%-4%-3%-2%-1% of the withdrawn amount from the
first to fifth policy years and 0% thereafter
USD 2,500 (Band 1); 6,000 (Band 2)
PhP 100,000 (Band 1); 200,000 (Band 2) Partial withdrawals will first be drawn from the
units created from the single premium until they
Maturity benefit are exhausted. Once exhausted, succeeding partial
Fund Value withdrawals will then be drawn from units created from
top-ups, on a first-in, first-out basis. The surrender
Death benefit* charge that will be applied on each partial withdrawal
shall be based on the schedule above. If partial
(125%) SP + (125%) top-ups FV plus return of all
withdrawals are drawn from units created from the
– (125%) of withdrawals or charges
single premium, the policy year will be counted from the
fund value, whichever is
date the single premium is paid. If partial withdrawals
higher This is applicable if the
are drawn from units created from top-ups, the policy
cause of death is due
year will be counted from the date the top-up is made.
This is applicable if the to causes other than
cause of death is due to accident on the first two PRUlink funds Peso funds
accident on the first two years of the policy. and annual
(2) years of the policy, and management PRUlink bond fund 1.53%
regardless of cause after the charge
second year of the policy. PRUlink managed fund 1.79%

Minimum top-up amount PRUlink growth fund 2.25%

USD 500 PRUlink equity fund 2.25%

PhP 20,000 PRUlink money market fund 1.53%

(for switching)
Minimum partial withdrawal
PRUlink proactive fund 2.25%
USD 1,000
Dollar funds
PhP 20,000
PRUlink dollar bond fund 0.50%
Minimum balance after partial withdrawal
PRUlink Asian 1.80%
USD 3,000
local bond fund
PhP 40,000
PRUlink Asia Pacific 2.05%
Minimum fund switch amount equity fund

USD 500 PRUlink global emerging 2.05%

markets dynamic fund
PhP 20,000
PRUlink cash flow fund 1.95%
Minimum balance per fund after switch
USD 3,000
PhP 40,000
No. of free 4
switches per year
Attachable riders Non-acccelerated Total and Permanent Disability,
Personal Accident, Additional Term Rider
*When the Life Insured is aged 0 to 4, only a percentage of the sum assured
will be paid (child lien).

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 B. CHARGES
PRUmillionaire Initial charge 0.5%
A. PRODUCT FEATURES Top-up initial 3%
Plan type Single pay unit-linked plan charge

Denomination Peso/Dollar Fund value charges The following charges (inclusive of applicable taxes)
are deducted monthly from the fund value
Issue age 0 – 79 years old • Insurance charge
(0 – 70 years old: Guaranteed Insurability Offer)
(71 – 79 years old: usual medical examination) Fund switching 0.5% of the fund switched
charge (This applies after 4 free switches/year)
Coverage period Up to age 100
Surrender charge 5%-4%-3%-2%-1% of the withdrawn amount from the
Payment term One-time first to fifth Policy Years and 0% thereafter
Minimum single premium
Partial withdrawals will first be drawn from the
USD 20,000 units created from the single premium until they
are exhausted. Once exhausted, succeeding partial
PhP 1,000,000
withdrawals will then be drawn from units created from
Maturity benefit top-ups, on a first-in, first-out basis. The surrender
charge that will be applied on each partial withdrawal
Fund Value shall be based on the schedule above. If partial
Death benefit* withdrawals are drawn from units created from the
single premium, the policy year will be counted from the
(125%) SP + (125%) top-ups – (125%) date the single premium is paid. If partial withdrawals
of withdrawals or fund value. are drawn from units created from top-ups, the policy
year will be counted from the date the top-up is made.
Top-up amount Minimum Maximum
PRUlink funds Peso funds
USD 1,000 19,999
and annual
management PRUlink bond fund 1.53%
PhP 40,000 999,999
charge PRUlink managed fund 1.79%
Minimum partial withdrawal
PRUlink growth fund 2.25%
USD 1,000
PRUlink equity fund 2.25%
PhP 20,000
PRUlink money market fund 1.53%
Minimum balance after partial withdrawal
PRUlink proactive fund 2.25%
USD 3,000
Dollar funds
PhP 40,000
PRUlink dollar bond fund 0.50%
Minimum fund switch amount
PRUlink Asian 1.80%
USD 500
local bond fund
PhP 20,000
PRUlink Asia Pacific 2.05%
Minimum balance after switch equity fund

USD 3,000 PRUlink global emerging 2.05%

markets dynamic fund
PhP 40,000
PRUlink cash flow fund 1.95%
No. of free 4
switches per year
Attachable riders none

*When the Life Insured is aged 0 to 4, only a percentage of the sum assured
will be paid (child lien).

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 Minimum top-up amount
PRUlink exact protector USD 500
A. PRODUCT FEATURES
PhP 20,000
Plan type Limited pay unit-linked plan
Minimum partial withdrawal
Denomination Peso/Dollar
USD 250
Issue age 0 – 70 years old
PhP 10,000
Coverage period Up to age 100 (riders benefit term has a ceiling age
depending on the type of rider) Minimum balance after partial withdrawal

Payment term 5/7/10/15 years USD 1,500

Minimum/Maximum annual premium PhP 20,000

Minimum Maximum Minimum fund switch amount

USD 5 years 900 4,499 USD 250

7 years 825 3,299 PhP 10,000

10 years 675 2,499 Minimum balance per fund after switch

15 years 600 1,699 USD 1,500

PhP 5 years 40,000 199,999 PhP 20,000

7 years 40,000 149,999 No. of free switches 1

per year
10 years 35,000/18,000 for 109,999
low premium Attachable riders

15 years 35,000/18,000 for 74,999 PA, HI, LCB or CCB, LC Plus, LCAP, MLCP, LCW, Payor
low premium Waiver, WPTPD, Additional Term, Payor Term

Sum assured as multiples of the annual premium

B. CHARGES
Note: Minimum sum assured is six (6) times the base annual premium.
Initial charge for 3% (USD and PhP)
Age 5-pay 7-pay 10-pay 15-pay
top-up
0 to 39 16 24 36 48
Fund value charges The following charges (inclusive of applicable taxes) are
40 to 44 16 24 36 48 deducted monthly from the fund value
• Insurance charge
45 to 49 9 15 22 35 • Rider charge (if rider/s is/are elected)
• Policy fee (PhP 33.00/USD 0.67 during premium payment
50 to 54 6 6 15 25 term and PhP 16.67 / USD 0.33 after premium payment
55 to 59 6 6 9 20 term.)

60 to 64 6 6 9 15 Extra charge Applies to substandard cases

65 to 70 6 6 6 10 Fund switching 1% of the fund switched

charge (This applies after 1 free switch/year)
Premium allocation
Surrender charge none
Premium allocation Policy year 5-pay 7-pay 10-pay 15-pay on regular premium
schedule payments
1st year 10% 10% 7% 0%
Surrender Policy year 5-pay 7-pay 10-pay 15-pay
2nd year 45% 45% 30% 45% charge on
top-up payments* 1st year 5% 5% 5% 5%
3rd year 100% 100% 100% 75%
(partial/full
2nd year 4% 4% 4% 4%
4th year 100% 100% 100% 100% withdrawal)
3rd year 3% 3% 3% 3%
5th year 100% 100% 100% 100%
4th year 2% 2% 2% 2%
6th year up to end 100% 100% 100%
of paying period 5th year 1% 1% 1% 1%
Core benefits 6th year up to 0% 0% 0% 0%
end paying
Maturity benefit Sum assured + Fund value period

Death benefit* SA + FV+ 125% of top- ups less 125% withdrawals PRUlink funds and Peso funds
annual management
charge PRUlink bond fund 1.53%
Accelerated TPD Up to 100% of the base plan sum assured
maximum limit PRUlink managed fund 1.79%

Accidental Death Up to Php 10,000,000 (USD 200,000) in aggregate PRUlink growth fund 2.25%
and Disablement benefit PRUlink equity fund 2.25%
Loyalty Bonus Frequency 11th to 15th year PRUlink proactive fund 2.25%
(applicable only to
15-pay variant) USD 5% of the regular premium PRUlink money market fund (for 0.50%
Amount switching)
PhP 10% of the regular premium Dollar funds
Amount
PRUlink dollar bond fund 1.53%
*When the Life Insured is aged 0 to 4, only a percentage of the sum assured
will be paid (child lien). PRUlink Asian local bond fund 1.80%
PRUlink Asia Pacific equity fund 2.05%
*All withdrawals will be made on first-in, first-out basis. Withdrawals which are taken from regular
premium payments are not subject to withdrawal charge. Withdrawals which are taken from top-up
payments are subject to withdrawal charges as stated above, with the policy year counted from the
6 date the top-up was made. 7
 Minimum fund switch amount
PRUlink elite protector USD 250
A. PRODUCT FEATURES PhP 10,000
Plan type Limited pay unit-linked plan
Minimum balance after switch
Denomination peso/dollar USD 1,500
Issue age 0 - 70 years old PhP 20,000
Coverage period Up to age 100 (riders benefit term has a ceiling age No. of free switches per year 4
depending on the type of rider)
Attachable riders
Payment term 5/7/10/15 years
PA, HI, LCB or CCB, LC Plus, LCAP, MLCP, LCW, Payor Waiver,
Minimum total annual premium WPTPD, Additional Term, Payor Term
Elite 5 Elite 7 Elite 10 Elite 15 B. CHARGES

USD 4,500 3,300 2,500 1,700 Top-up initial charge 3% (USD and PhP)

PhP 200,000 150,000 110,000 75,000 Fund value charges The following charges (inclusive of applicable taxes) are deducted monthly
from the fund value
• Insurance charge
Minimum and max sum assureds • Rider charge (if rider/s is/are elected)
• Policy fee (PhP 33.00/USD 0.67 during premium payment
Minimum sum Elite 5 - 5 times of the base annual premium term and PhP 16.67 / USD 0.33 after premium payment
assured Elite 7 - 7 times of the base annual premium term)
Elite 10 - 10 times of the base annual premium
Elite 15 - 15 times of the base annual premium Extra charge Applies to substandard cases
Maximum sum Age Elite 5 Elite 7 Elite 10 Elite 15 Fund switching 1% of the fund switched
assured 0–4 32 44 64 98 charge (This applies after 4 free switch/year)
(Multiple of base
annual premium)* 5–9 31 43 62 95 Surrender Policy year Elite 5 Elite 7 Elite 10 Elite 15
10 – 14 30 42 60 92 charge* on
This is set per age 1st year 40% 45% 45% 45%
15 – 19 30 41 60 91 regular premium
bracket to ensure that
there is substantial
payments* 2nd year 30% 35% 35% 35%
20 – 44 30 41 59 91
amount left in the fund (partial/full
45 – 49 23 32 46 70 3rd year 25% 30% 30% 30%
to cover for future withdrawals)
deductions of cost of 50 – 54 15 20 30 45 4th year 20% 25% 25% 25%
insurance (COI). 55 – 59 9 13 19 29
5th year 0% 15% 15% 20%
60 – 64 6 8 12 18
6th year 0% 10% 10% 15%
65 – 70 6 7 10 15
7th year 0% 0% 10% 15%
Premium allocation
Policy year Elite 5 Elite 7 Elite 10 Elite 15 8th year 0% 0% 5% 15%
Fund allocation
schedule 1st year 70% 60% 50% 40%
9th year 0% 0% 5% 10%
10th year 0% 0% 0% 10%
2nd year 85% 75% 70% 60%
11th year 0% 0% 0% 0%
3rd year 95% 95% 95% 85%
onwards
4th year 95% 95% 95% 95% Surrender charge* on top- 5%, 4%, 3%, 2%, 1% for the first five (5) years counted from
up payments (partial/full
5th year 100% 100% 100% 100% the date the top-up was made
withdrawal)

6th year 100% 100% 100% Premium holiday Policy year Elite 5 Elite 7 Elite 10 Elite 15
onwards charge
1st year 30% 40% 50% 60%
Core benefits
2nd year 15% 25% 30% 40%
Maturity benefit Sum assured + Fund value
3rd year 5% 5% 5% 15%
Death benefit* SA + FV + 125% of top- ups less 125% withdrawals
4th year 5% 5% 5% 5%

Accelerated TPD Up to 100% of the base plan sum assured 5th year 0% 0% 0% 0%
maximum limit onwards

Accidental Death Up to Php 10,000,000 (USD 200,000) in aggregate benefit PRUlink funds Peso funds
and Disablement and annual
PRUlink bond fund 1.53%
management
Loyalty Bonus Frequency 11th to 15th year
charge PRUlink managed fund 1.79%
(applicable only to
15-pay variant) USD Amount 5% of the regular premium PRUlink growth fund 2.25%
PhP Amount 10% of the regular premium PRUlink proactive fund 2.25%
Minimum top-up amount PRUlink money market
0.50%
fund (for switching)
USD 500
PRUlink equity fund 2.25%
PhP 20,000
Dollar funds
Minimum partial withdrawal
PRUlink dollar bond fund 1.53%
USD 250
PRUlink Asian local bond 1.80%
PhP 10,000 fund
Minimum balance after partial withdrawal PRUlink Asia Pacific 2.05%
equity fund
USD 1,500
PRUlink global emerging 2.05%
PhP 20,000
markets dynamic fund
*When the Life Insured is aged 0 to 4, only a percentage of the sum assured will be paid (child lien).
8 *All withdrawals will be made on first-in, first-out basis. 9
 Minimum balance after partial withdrawal
PRUlink assurance account plus USD 1,500

A. PRODUCT FEATURES PhP 20,000

Plan type Regular pay unit-linked plan Minimum fund switch amount

Denomination peso/dollar USD 250

Issue age 0 - 70 years old PhP 10,000

Coverage period Up to age 100 (riders benefit term has a ceiling age Minimum balance per fund after switch
depending on the type of rider)
USD 1,500
Payment term Up to age 100
PhP 20,000
Minimum annual premium
No. of free 1
USD 580 switches per year
PhP 25,000 Attachable riders PA, HI, Accelerated LCB, LC Plus, MLCP, LCAP, LCW,
Payor Waiver, WPTPD and Payor Term
Sum assured as multiples of the annual premium
B. CHARGES
Age range Minimum Maximum
Top-up initial 3% (USD and PhP)
0-20 20 160 charge
21-25 20 140 Fund value charges The following charges (inclusive of applicable taxes) are
26-30 20 120 deducted monthly from the fund value
• Insurance charge
31-35 20 100 • Rider charge (if rider/s is/are elected)
• Policy fee of PhP 33.33 / USD 0.67
36-40 20 80
Extra charge Applies to substandard cases
41-45 20 60
Fund switching 1% of the fund switched
46-49 20 40
charge (This applies after 1 free switch/year)
50 15 40
Surrender charge none
51-55 15 30 on regular
premium payments
56-59 15 20
Surrender 1st year 5%
60 10 20 charge on top-up
payments* 2nd year 4%
61-65 10 15
(partial/full 3rd year 3%
66-70 10 10 withdrawal)
Premium allocation 4th year 2%

Premium allocation Policy year Percentage 5th year 1%

schedule 6th year and up 0%
1st year 0%
2nd year 50% PRUlink funds Peso funds
and annual
3rd year 50% management PRUlink bond fund 1.53%
charge PRUlink managed fund 1.79%
4th year 100%
5th year 100% PRUlink growth fund 2.25%
PRUlink equity fund 2.25%
Core benefits
PRUlink proactive fund 2.25%
Mutual benefit Sum assured + Fund value
PRUlink money market .50%
Death benefit* SA + FV + 125% of top-ups less
fund (for switching)
125% withdrawals
Dollar funds
Accelerated TPD Up to 100% of the base plan sum assured
maximum limit PRUlink dollar bond fund 1.53%
Accidental Death Up to 500% of the base plan sum assured or PRUlink Asian local bond 1.80%
and Disablement Php 10,000,000 (USD 200,000) whichever is lower fund
Loyalty Bonus Frequency 11th to 20th year PRUlink Asia Pacific equity 2.05%
fund
USD amount 5% of the regular premium
PhP amount 10% of the regular premium *All withdrawals will be made on first-in, first-out basis. Withdrawals which are taken
from regular premium payments are not subject to withdrawal charge. Withdrawals
Minimum top-up amount which are taken from top-up payments are subject to withdrawal charges as stated
above, with the policy year counted from the date the top-up was made.
USD 500
PhP 20,000
Minimum partial withdrawal
USD 250
PhP 10,000
*When the Life Insured is aged 0 to 4, only a percentage of the sum assured will be paid (child lien).

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Established in 1996, Pru Life UK is a subsidiary of Prudential plc. Pru Life UK is a life
insurance company and is not engaged in the business of selling pre-need plans.
Prudential plc is a United Kingdom-registered company. Its regional headquarters,
Prudential Corporation Asia, is based in Hong Kong. Pru Life UK and Prudential
plc are not affiliated with Prudential Financial, Inc.(a US-registered company),
Philippine Prudential Life Insurance Company, Prudentialife Plans, Inc. or Prudential
Guarantee and Assurance, Inc. (all Philippine-registered companies).

For more information: www.prulifeuk.com.ph

Always Listening. Always Understanding.

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