PRULink Assurance Account Plus

Product Primer

This product primer summarizes the key benefits and limits of the PRULink Assurance Account Plus. It is a quick guide on the product
created primarily for the use of Pru Life UK employees and distributors. While reasonable care was made in the preparation of this
material, any omissions, deletions and/or statements inconsistent with the Policy Contract must be construed or rectified in favor of the
Policy Contract. Should you wish to share this material with persons who are not Pru Life UK employees or distributors, please seek the
prior written approval of the Product Management team.

I. PRODUCT DESCRIPTION:

The PRULink Assurance Account Plus is a regular-pay (payable up to age 100) unit-linked life insurance
product. It provides living, disability and death benefits. It is available in peso and dollar denominations.

II. PRODUCT POSITION:

The PRULink Assurance Account Plus is your insurance plus investment plan. This allows policyowners to secure
maximum protection by availing optional benefits that cover for expenses resulting from hospitalization,
accident and critical illness. Its regular payment term feature allows a policyowner to be more deliberate in
setting multiple financial goals because of this plan’s affordability.

III. PRODUCT FEATURES:

Product type Regular-pay investment-linked product

Benefit term period Up to age 100
Issue age 0 (7 days) to 70 years old
Currency Philippine peso and/or US dollar

IV. BENEFITS-RELATED INFORMATION:

Death benefit The sum of:

1. sum assured;
2. value of units in the policy; and
3. 125% of all Top-ups
Less:
1. 125% of all withdrawals on the Top-up units.

Maturity benefit The sum of:

(at age 100)
Additional benefits
(part of core benefits)
1. sum assured; and
2. value of units in the policy
Accelerated Total and Permanent Disability Benefit (ATPD)
1. Issue age: 0 to 65 years old
2. Benefit term period: up to age 70
3. Minimum sum assured: PhP 60,000 or USD 1,200
4. Maximum sum assured: 100% of basic sum assured
5. For issue ages 0 (7 days) to 4, ATPD is automatically attached but
this benefit begins only when the life insured turns five (5)
years old.
6. As this is a core benefit, all life insureds will be accepted. Those who
will normally be rejected due to occupation and/or physical
condition and/or health will be given maximum rating of Class F.
7. The rider benefit(s) end on the policy anniversary immediately
following the seventieth (70th) birthday of the life insured.

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 Accidental Death and Disablement Benefit (ADD)
1. Issue age: 0 to 65 years old
2. Benefit term period: up to age 73
3. Minimum sum assured: PhP 60,000 or USD 1,200
4. Maximum sum assured: PhP 10,000,000/USD 200,000
5. ADD is a core benefit at the minimum sum assured only.
Availing higher ADD sum assured is optional and will require
additional premium based on the total coverage.
6. For issue ages 0 (7 days) to 4, ADD is automatically attached but
this benefit begins only when the life insured turns five (5)
years old.
7. The ADD as core benefit will accept all life insureds who will
normally be rejected due to location of residence or work and/or
due to occupation. They will be given maximum rating of Class 3
and the amount they can avail is the minimum ADD sum assured.
8. ADD coverage of insureds who will breach the cap amount of PhP
10 million per life will be accepted at the minimum ADD sum
assured.
9. If ADD rider is attached to base plan with sum assured above the
minimum, the Personal Accident (PA) rider can no longer be
attached.
10. The rider benefit(s) end on the policy anniversary immediately
following the seventy-third (73rd) birthday of the life insured.
Loyalty bonus Years 11-20: 10% for peso or 5% for dollar
(as a % of annual premium)
Sum assured
Age 0 to 49 - 20 times of the basic annual premium
Minimum sum assured Age 50 to 59 - 15 times of the basic annual premium
Age 60 to 70 - 10 times of the basic annual premium
Age Maximum
Maximum sum 0 – 20 160
assured (multiple of
base annual premium) 21 – 25 140
26 – 30 120
This is set per age 31 – 35 100
bracket to ensure that
there is substantial 36 – 40 80
amount left in the fund 41 – 45 60
to cover for future 46 – 50 40
deductions of cost of
51 – 55 30
insurance (COI).
56 – 60 20
61 – 65 15
66 – 70 10
Lien condition for juvenile Age of death 0 (7) days 1 2 3 4
(only a percentage of the % of sum
sum assured will be paid if assured 10% 20% 40% 60% 80%
the child is age 0 to 4)
Optional benefits For full details of the following riders, please refer to Section
(attachable riders) VIII: Rider Information of this primer
Critical illness benefits Accelerated Life Care Benefit (LCB), Life Care Plus (LCP), Multiple Life
Care Plus (MLCP), and Life Care Advance Plus (LCAP)
Hospital income benefits Daily Hospital Income (DHI), Intensive Care Unit (ICU), Long-Term
Hospitalization (LTH) and Surgical Expense Reimbursement (SER)
Term benefits Payor Term Benefit and Future Safe Rider
Accident benefits PA - Accidental Death and Disablement (PA-ADD), PA - Accidental Total and
Permanent Disability (PA-ATPD), PA - Field Trip Coverage (PA-FTC), PA -
Dangerous Sports Coverage (PA-DSC), PA - Double Indemnity (PA-DI), PA
- Accidental Medical Reimbursement (PA-AMR), and PA - Murder and
Assault (PA-M&A)
Waiver of premium Waiver of Premium Benefit due to Total and Permanent Disability
benefits (WPTPD), Life Care Waiver (LCW), Payor Waiver of Regular Premium
Benefit (Payor Waiver)

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V. PREMIUM-RELATED INFORMATION:

Premium pay period Whole life to pay

Premium type
Minimum total premium
Peso Dollar
Regular basic
15,000 580
Peso Dollar
Top-ups
20,000 500
Maximum total premium
Regular basic Subject to full underwriting
Top-ups Subject to full underwriting
Premium allocation % of premium
Year 1 0%
Year 2 50%
Year 3 50%
Year 4 100%
Year 5 up to end of
100%
premium payment term
Mode of payment Annual, semi-annual, quarterly and monthly (applies to auto-debit,
credit card and post- dated check payments only)
Method of payment • Cash • ATM and phone through BPI
• Check • Auto-debit from savings or
• Credit card (not allowed for current account in BDO, BPI,
Top- ups) HSBC and Metrobank
• SM Bills Payment Center • Over-the-counter
• Bayad Centers payment in all BPI,
BDO, Metrobank,
Security Bank branches
• Online payment through
BPI, Metrobank, Security
Bank, BancNet online

VI. INVESTMENT FUND INFORMATION:

Investment fund options Peso funds Dollar funds

PRULink Bond Fund PRULink Dollar Bond Fund
PRULink Managed Fund PRULink Asian Local Bond Fund
PRULink Growth Fund PRULink Asian Balanced Fund

PRULink Proactive Fund PRULink Asia Pacific Equity Fund

PRULink Equity Fund PRULink Global Emerging Markets

Dynamic Fund
PRULink Global Market Navigator Fund
PRULink Money Market Fund
(for switching only)
Investment manager Eastspring Investments (Singapore) Limited
Minimum partial PhP 10,000 / USD 250
withdrawal
Minimum fund switching PhP 10,000 / USD 250
Minimum remaining
PhP 20,000 / USD 1,500
investment value after
withdrawal
Unit price frequency Daily

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VII. CHARGING STRUCTURE:

Premium Charges % of premium

Year 1 100%
Year 2 50%
Year 3 50%
Year 4 0%
Year 5 up to end of 0%
premium payment term
Top-up charge 3% of Top-up premium
Cost of insurance • Insurance and rider charges for core and optional benefits are deducted
monthly through selling proportionate units using the unit price at the
next pricing date as long as the policy is in force. These charges are
inclusive of premium tax and Documentary Stamp Tax (DST).
• Extra charges shall be deducted monthly through cancellation of units
for substandard cases as long as the policy is in force.
• Charges are already inclusive of relevant fees and taxes. Charges may
change in the future. Any change will be implemented in a manner set
out in the policy booklet.
Policy fee Premium Payment Period: PhP 400/USD 8 per year or PhP 33.33/USD 0.67
per month
Switching fee 1% of amount switched (charged after one [1] free switch per policy year)
Surrender charge Applies to partial and full withdrawals from units created by top-ups. All
withdrawals will be made on a first-in-first-out basis. If withdrawals are
drawn from units created from the regular premiums, the policy year will be
counted from the policy effectivity date. If withdrawals are drawn from units
created from Top-ups, the policy year will be counted from the date the Top-
up is made. Refer to table below for appropriate charges.
PAA Plus Top-ups (as percentage
of the amount
withdrawn)
Year 1 0% 5%
Year 2 0% 4%
Year 3 0% 3%
Year 4 0% 2%
Year 5 0% 1%
Year 6 onwards 0% 0%
Premium redirection charge None
Annual management fee Peso funds Dollar funds
PRULink Bond Fund 1.53% PRULink Dollar Bond Fund 1.53%
PRULink Asian Local Bond
PRULink Managed Fund 1.79% 1.80%
Fund
PRULink Asian Balanced
PRULink Proactive Fund 2.25% 1.95%
Fund
PRULink Asia Pacific Equity
PRULink Growth Fund 2.25% 2.05%
Fund
PRULink Global Emerging
PRULink Equity Fund 2.25% 2.05%
Markets Dynamic Fund
PRULink Global Market
2.25%
Navigator Fund
PRULink Money Market
0.50%
Fund (for switching only)

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 VIII. RIDER INFORMATION:
The succeeding rider or optional benefits are on top of the core benefits of the plan found in section IV.

Accelerated Life Multiple Life Life Care

Life Care Plus
Critical illness benefits Care Benefit Care Plus Advance Plus
(LCP)
(LCB) (MLCP) (LCAP)
Benefit/s Pays out a Pays out 100% Pays out maximum Pays out 100% of
percentage of the of the benefit of 310% of the the benefit amount
base plan sum amount of the benefit amount of of the rider less any
assured (equal to rider upon the rider upon early CI claims
rider benefit diagnosis of or diagnosis of or made, if any, upon
amount) upon upon surgery upon surgery due diagnosis of or
diagnosis of or due to any of to any of the 36 upon surgery due
upon surgery due the 36 critical critical illnesses to any of the 36
to any of the 36 illnesses critical illnesses
critical illnesses
Base sum Base sum assured Base sum assured
assured remains remains intact remains intact
intact after claim after claim from after claim from
from this rider. this rider. this rider.
Claim of 100% of Advances 25% of
benefit amount benefit amount if
may be made on diagnosed of any
this rider up to of the ten (10)
three (3) times; early stage critical
each of the three illnesses; may be
(3) illnesses must availed up to four
fall under different (4) times as long as
categories of critical it is for different
illness group early stage
conditions
10% of this rider’s A percentage of
benefit amount this rider’s benefit
will be given as amount will be
additional benefit given as additional
if policyowner has benefit if suffering
to undergo from following
angioplasty prior conditions:
to occurrence of angioplasty (10%),
the first critical diabetic
illness claim complications (20%)
and advanced stage
cancer (20%)
Issue age 18 to 60
Coverage Up to age 70**
Minimum sum assured PhP 60,000 / Minimum basic sum Minimum basic sum Minimum basic sum
USD 1,200 assured which varies assured which varies assured which varies
per age per age per age
Maximum sum assured Basic sum assured or
Basic sum assured or PhP 3,750,000 or
PhP 10,000,000 or USD 200,000; whichever is lower* USD 75,000;
whichever is lower*
Mode of payment Same as the base plan
Premium payment Same as the base plan
term
*When LCB, LCP, and/or MCLP are attached, the maximum critical illness sum assured is at PhP 11,250,000. LCAP is capped at PhP 3,750,000.
**LCB, LCP, MLCP and/or LCAP rider benefit(s) end on the policy anniversary immediately following the seventieth (70 th) birthday of the life
insured.

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 Surgical
Long Term
Hospital income Daily Hospital Intensive Care Unit Expense
Hospitalization
benefits Income (DHI) (ICU) Reimbursement
(LTH)
(SER)
Benefit Pays a daily cash Pays a daily cash Pays a daily cash Reimburses the
benefit for each day benefit for each day benefit for each day actual surgical
of hospital of confinement in of hospital expenses of surgery
confinement due to an ICU for up to confinement in while under
accident or illness 365 days of excess of 30 days for confinement; amount
for up to 365 days continuous up to 335 days of is capped at the
of continuous confinement for the continuous benefit amount of
confinement for the same injury/illness confinement for the this
same injury/illness same injury/illness rider

Issue age 18 to 54
Coverage Up to age 65*
Minimum sum assured PhP 1,000/USD 20 200% of DHI 100% of DHI 1500% of DHI
benefit benefit benefit
Maximum sum assured PhP 5,000/USD 100
Type of HI rider benefit Required Optional
Mode of payment Same as the base plan
Premium payment term Same as the base plan
*DHI, ICU, LTH and SER rider benefit(s) end on the policy anniversary immediately following the sixty-fifth (65th) birthday of the life insured.

Additional protection
Future Safe Rider
benefit
Benefit Provides guaranteed 5% increase in sum assured compounded every policy anniversary,
starting immediately on the rider effectivity date. The rider benefit amount will continue
to increase until it reaches the maximum benefit amount of 50% of the original sum
assured and will remain fixed until its expiry date (i.e., policy anniversary immediately
following the 90th birthday of the Life Insured).
Issue age 0 to 70
Coverage Up to age 90*
Minimum sum assured 5% of basic sum assured
Maximum sum assured 50% of basic sum assured
Death benefit Equal to rider sum assured at the time of death
Benefit at expiry Rider benefit amount at the time of expiry
Mode of payment Same as the base plan
Premium payment term Same as the base plan
*The rider benefit(s) end on the policy anniversary immediately following the ninetieth (90th) birthday of the life insured.

Term benefits Payor Term

Benefit Provides 100% of the benefit amount of this rider upon death of the payor
Issue age 18 to 70 (Payor’s age)
0 to 70 (Insured’s age)
Coverage Up to age 75 (Payor’s age) *
Minimum sum assured Age 0 to 49 - 20 times of the minimum basic annual premium
Age 50 to 59 - 15 times of the minimum basic annual premium
Age 60 to 70 - 10 times of the minimum basic annual premium
Maximum sum assured 100% of basic sum assured
Mode of payment Same as the base plan
Premium payment term Same as the base plan
*The rider benefit(s) end on the policy anniversary immediately following the seventy-fifth (75th) birthday of the payor.

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 Personal accident rider
PA-Standard PA-Executive PA-Power PA-Junior
packages
Benefit (refer to succeeding Mandatory: Mandatory: Mandatory: Mandatory:
tables for details of each PA-ADD PA-ADD PA-ADD PA-ADD
accident PA-ATPD PA-ATPD PA-ATPD
PA-ATPD
benefits)
PA-M&A PA-M&A PA-M&A PA-FTC
PA-DI PA-DSC
Optional: Optional:
PA-AMR Optional: Optional: PA-AMR
PA-AMR PA-AMR
Additional: Additional:
PA-Renewal Bonus Additional: Additional: PA-Renewal Bonus
PA-Renewal Bonus PA-Renewal Bonus
Issue age 5 to 65 25-65 18-24 5-17
Coverage Up to age 73 Up to age 73 Up to age 26* Up to age 23*

Minimum sum assured PhP 60,000/USD 1,200 PhP 100,000/

USD 2,000
Maximum sum assured 500% of basic sum assured or PhP 9,940,000 or USD 198,800; PhP 100,000/
whichever is lower USD 2,000
*The minimum coverage period of PA-Power and PA-Junior packages are anchored on the shortest coverage period rider in the bundle. After
which, the rider bundle will become PA-Standard.

PA - Accidental
PA - Accidental
Total and PA - Field Trip PA - Murder and
Personal accident Death and
Permanent Coverage Assault
rider benefits Disablement
Disability (PA-FTC) (PA-M&A)
(PA-ADD)
(PA-ATPD)

Benefit/s Pays benefit Pays benefit Pays the benefit Pays 100% of the
amount if the life amount if due to amount if the life benefit amount if
insured dies due accident, the life insured, while in a the life insured is
to accident within insured becomes school sponsored murdered or is
180 days from totally and field trip, suffers assaulted without
date of accident or permanently injury resulting in provocation on his
a percentage of disabled within death due to part or 50% of the
sum assured 180 days from accident benefit amount for
based on a table date of accident attempted murder
of disability
condition if life
insured sustains
bodily injury
Issue age 5 to 65 5 to 65 5 to 17 5 to 65
Coverage Up to age 73* Up to age 73* Up to age 23** Up to age 73*
Minimum sum assured PhP 60,000 / USD 100% of PA-ADD 100% of PA-ADD 50% of PA-ADD
1,200 sum assured sum assured or sum assured or
PhP 100,000/ PhP
Maximum sum assured 500% of basic sum
USD 2,000; 1,000,000/USD
assured or PhP
whichever is lower 20,000; whichever
9,940,00 / USD
198,800; whichever is lower
is lower
*PA-ADD, PA-ATPD and PA-M&A benefit(s) end on the policy anniversary immediately following the seventy-third (73rd) birthday of the life
insured.
**PA-FTC rider benefit(s) end on the policy anniversary immediately following the twenty-third (23rd) birthday of the life insured.

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 PA - Accidental
PA - Dangerous PA - Double PA - Renewal
Personal accident Medical
Sports Coverage Indemnity Bonus
rider benefits Reimbursement
(PA-DSC) (PA-DI) (PA-RB)
(PA-AMR)
Benefit/s Pays the benefit Pays the benefit Reimburses the Increase the
amount if life amount if life medical expenses benefit amount of
insured suffers insured dies due to due to accident of the PA rider by
bodily injury or accident while life insured 5% for up to
dies while travelling as a whether as an in- maximum of five
engaging in ticketed or officially patient or out- (5) years
dangerous sports listed passenger in patient; capped at
as an amateur commercial modes the benefit amount
of transportation of the rider
Issue age 18 to 24 25 to 65 5 to 65 5 to 65
Coverage Up to age 26** Up to age 73* Up to age 73* Up to age 73*
25% of PA-ADD 100% of PA-ADD sum 10% of the PA-ADD Additional 5% of the
Minimum sum assured sum assured or PhP assured sum assured or PhP original PA-ADD and
2,500,000 or USD 400,000/ USD PA-ATPD coverage
50,000; whichever 8,000; whichever is annually on the
Maximum sum assured is lower lower anniversary of these
benefits for the next
five (5) years

Applicable only to
the first PhP
1,000,000 or USD
20,000 of the PA-
ADD coverage and
up to maximum of 5
years.
*PA-DI, PA-AMR and PA-RB benefit(s) end on the policy anniversary immediately following the seventy-third (73rd) birthday of the life insured.
**PA-DSC rider benefit(s) end on the policy anniversary immediately following the twenty-sixth (26th) birthday of the life insured.

Waiver of Premium
Benefit due to Total and
Waiver of premium benefits
Permanent Disability
(WPTPD)
Waives all future regular
premiums due to total and
Benefit/s permanent disability
Life Care Waiver (LCW)
Waives all future regular
premiums due to critical
illness
Payor Waiver of Regular
Premium Benefit
(Payor Waiver)
Waives all future regular
premiums due to death
or total and permanent
disability of the payor

Life insured: 0 to 17
Issue age 18 to 59 18 to 54
Payor: 18 to 59
Life insured: Up to age
Coverage Up to age 60* Up to age 70**
25***
Payor: Up to age 60***
Minimum sum assured Not applicable
Maximum sum assured Not applicable
Mode of payment Same as the base plan
Premium payment term Same as the base plan
*WPTPD rider benefit(s) end on the policy anniversary immediately following the sixtieth (60 th) birthday of the life insured.
**LCW rider benefit(s) end on the policy anniversary immediately following the seventieth (70 th) birthday of the life insured.
***Payor Waiver rider benefit(s) end on the policy anniversary immediately following the twenty-fifth (25th) birthday of the life insured or
the policy anniversary immediately following the sixtieth (60 th) birthday of the payor, whichever comes first.

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IX. PAA Plus Packages

Accidental Death
Life Care Benefit
and Disablement Life Care Multiple Life Hospital
Packages or
or Advance Plus Care Plus Income
Life Care Plus
Personal Accident

PRULink
Mandatory Mandatory N/A N/A Mandatory
Protection Plus

PRULink
Advance Care N/A Mandatory Mandatory N/A Mandatory
Plus

PRULink
N/A Mandatory N/A Mandatory Mandatory
Multicare Plus

Note: Aside from the three (3) mandatory riders per package, optional benefits can still be attached.

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Glossary of terms

Basic annual premium – refers to the input amount in peso or dollar as desired premium of a client or the resulting
premium of the chosen sum assured of the base plan sans any optional benefit/riders.

Benefit amount – refers to sum assured of critical illness, term insurance, and accident riders, or the daily lump sum
amount due of hospitalization riders.

Coordination of benefit – is the aggregation of sum assured of all accident riders and/or critical illness benefits bought
from Pru Life UK, and ensures that accident rider and/or critical illness rider benefits under the name of the insured do not
exceed the respective limits of the mentioned riders.

Full withdrawal - is a withdrawal by a policyowner of the whole amount of his/her accumulated fund value within the
policy benefit term. This will result in the termination of the policy.

Loyalty bonus – an additional ten percent (10%) for Peso and five percent (5%) for Dollar of the premium which the
policyowner will pay on the 11th to 20th year is used to buy units if all premiums are paid during the first 10 years of the
policy and the policyowner continues to pay the premiums thereafter as they fall due.

Partial withdrawal – is withdrawal by a policyowner of a portion of his/her accumulated fund value within the policy
benefit term.

Premium redirection – is a change in the proportion of the funds in which regular premiums are being invested.

Top up – is an additional payment on top of the regular premium.

For other policy owner options, please refer to the PRULink Assurance Account Plus policy booklet.

Pru Life Insurance Corporation of U.K. (Pru Life UK) may be obliged to comply with the requirements of the laws in various jurisdictions,
including but not limited to the Foreign Account Tax Compliance Act (FATCA) of the United States (US). Under such requirement s, Pru Life
UK may be required to provide authorities, including but not limited to the US Internal Revenue Service (IRS), information about certain
customers. By availing of this product, your customer agrees to complete all mandatory questions on the application form and provide Pru
Life UK with any additional information, as requested.

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