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PAAPlus (3kplusPTR) - Brian Echipare
PAAPlus (3kplusPTR) - Brian Echipare
EQS70018708-90D4-DBD64D77D96B-130917-OF
v11.0.13.06
PruLink Protection Plus is a regular-pay variable life Proposed Insured : BRIAN DIAZ ECHIPARE
insurance product that provides living, disability, accidental Age : 25
death and disablement, critical illness, hospital income, and
Sex : Male
death benefits. The living benefits are the partially and fully
withdrawable values which are taken from the policy's share Regular Annual Premium : PHP 36,000
in the separate fund(s). The Accelerated Total and
Sum Assured : PHP 1,000,000
Permanent Disability benefit advances a percentage of the
Accelerated Total and
sum assured. The Personal Accident rider provides for the
Permanent Disability Benefit : PHP 500,000
payment of the Benefit sum assured in the case of the life
insured's accidental death, or a portion thereof, in the case of
accidental disablement. Personal Accident rider also pays
the Benefit sum assured on top of the Accelerated Total and
Permanent Disability benefit, in the case of the life insured's PruLink Bond Fund
accidental total and permanent disability. The Accelerated
Life Care benefit provides a cash benefit equivalent to the The PruLink Bond Fund seeks to achieve an optimal level of
Benefit sum assured upon diagnosis of any of the critical income in the medium term together with long term capital
illnesses. The Hospital Income rider provides daily cash growth through investments in fixed income securities and
benefits to help cover the cost of hospitalization due to injury money market instruments.
or illness. The death benefit is the total of the sum assured
and the policy's full withdrawal value. Optional Benefits can
be attached to this product.
PruLink Managed Fund
This product is a variable contract. The benefits, namely the The PruLink Managed Fund seeks to optimize medium to
partial and full withdrawal values and the actual death benefit long term capital and income growth through investment in
at time of death, all depend on the investment experience of fixed income securities, money market instruments and
separate account(s) linked to the policy. If the fund value shares listed on the Philippine Stock Exchange.
becomes insufficient to pay for applicable charges, the
policy automatically terminates, and all benefits end. The
applicable charges are explained in the Illustration of
Benefits for each fund. PruLink Growth Fund
THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT The PruLink Growth Fund seeks to optimize medium to long
ARE BORNE SOLELY BY THE POLICYOWNER. term capital and income growth, with an emphasis on strong
capital growth, through a greater focus of investment in
If, after buying the policy, you decide it is not suitable to your shares of stocks listed in the Philippines. The fund also
needs, simply return the Policy Booklet with your Policy Data invests in fixed income securities, and money market
Page to us within 15 days from the date you receive them. We instruments .
will refund the premium you paid in full.
EQS70018708-90D4-DBD64D77D96B-130917-OF
v11.0.13.06
INVESTOR CLASSIFICATION
This means that when you invest, you want your capital to be subject to minimal risk .
However, you realize that this may mean you may not achieve real capital growth on the
CAUTIOUS amount invested because of inflation.
Example: PruLink Bond Fund, PruLink Dollar Bond Fund, PruLink Asian Local Bond Fund
This means that when you invest, you want the potential of some real capital growth. You
understand that to have this potential, you need to take some risk with the capital you invest.
MODERATELY CAUTIOUS
This means that when you invest, you want the potential of greater real capital growth. You
understand that to have this potential, you need to take moderate risk with the capital you
MODERATELY ADVENTUROUS invest.
This means that when you invest, you want the potential of significant real capital growth .
You understand that to have this potential, you need to take higher risk with the capital you
ADVENTUROUS invest.
Enjoy the advantage of having a comprehensive plan complete with additional protection benefit(s) which enhance(s) the PruLink
Assurance Account Plus policy you are going to purchase.
EQS70018708-90D4-DBD64D77D96B-130917-OF
v11.0.13.06
DEATH BENEFIT
Policy Attained
Year Age LOW CURRENT(10.00%)** HIGH
(4.00%)** (10.00%)**
1 26 988,859.76 988,859.76 988,859.76
2 27 995,560.07 995,560.07 995,560.07
3 28 1,002,339.77 1,002,474.80 1,002,474.80
4 29 1,028,074.69 1,029,843.47 1,029,843.47
5 30 1,054,787.69 1,059,895.23 1,059,895.23
6 31 1,082,487.20 1,092,865.92 1,092,865.92
7 32 1,111,020.55 1,128,844.18 1,128,844.18
8 33 1,140,545.30 1,168,262.13 1,168,262.13
9 34 1,171,072.60 1,211,433.56 1,211,433.56
10 35 1,202,614.07 1,258,703.65 1,258,703.65
11 36 1,238,954.09 1,314,442.11 1,314,442.11
12 37 1,275,907.37 1,374,865.95 1,374,865.95
13 38 1,314,044.03 1,441,020.74 1,441,020.74
14 39 1,353,378.54 1,513,444.73 1,513,444.73
15 40 1,393,929.22 1,592,733.46 1,592,733.46
16 41 1,435,633.02 1,679,455.19 1,679,455.19
17 42 1,477,882.56 1,773,661.90 1,773,661.90
18 43 1,521,266.65 1,876,701.67 1,876,701.67
19 44 1,565,785.73 1,989,410.15 1,989,410.15
20 45 1,611,412.93 2,112,677.62 2,112,677.62
35 60 2,281,390.97 6,008,178.64 6,008,178.64
40 65 2,461,764.30 8,952,220.63 8,952,220.63
**Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
Any policy debt shall be deducted from the death benefits/ supplemental benefits.
When the fund value is insufficient to pay the policy fee, insurance charge, rider charge and other applicable charges
(including any policy debt), the policy automatically terminates and all benefits end. In such an event, the remaining balance of
your units which are no longer sufficient to pay off outstanding charges will just be refunded to you.
The actual returns from PruLife UK's unit funds, net of final tax, Annual Management Charge and other investment expenses, are shown
below. Please note that past performance is not necessarily indicative of the future or likely performance of the fund.
Fund Launch Date Sept. 24, 2002 Sept. 24, 2002 July 22, 2005 Oct. 1, 2007 Feb. 1, 2009 Feb. 1, 2009 June 3, 2003 Jan 30, 2012 Feb 26, 2013
10.71 % 12.40 % 23.03 % 28.27 % 31.11 % 2.08 % 0.10 % 4.28 % Not Available
Year 1
4.02 % 9.71 % 61.44 % 80.90 % 19.32 % 1.76 % 12.12 % Not Available Not Available
Year 2
10.56 % 11.94 % -33.72 % -40.23 % 16.32 % 0.55 % 9.50 % Not Available Not Available
Year 3
18.49 % 21.36 % 12.49 % 11.25 % 12.62 % -0.58 % 13.46 % Not Available Not Available
Year 4
8.18 % 13.03 % 28.50 % 36.03 % Not Available Not Available 4.51 % Not Available Not Available
Year 5
1.59 % -4.36 % 27.47 % 32.36 % Not Available Not Available 2.39 % Not Available Not Available
Year 6
8.03 % 9.86 % 13.95 % 19.21 % Not Available Not Available 14.81 % Not Available Not Available
Year 7
8.54 % 16.78 % Not Available Not Available Not Available Not Available 9.84 % Not Available Not Available
Year 8
5.89 % 3.87 % Not Available Not Available Not Available Not Available 10.86 % Not Available Not Available
Year 9
10.86 % 12.65 % Not Available Not Available Not Available Not Available 5.69 % Not Available Not Available
Year 10
Compound Annual Investment 8.60 % 10.52 % 15.63 % 18.66 % 19.65 % 0.95 % 8.23 % 4.28 % Not Available
Return based on completed
years
Average Annual Investment 12.44 % 13.45 % 23.21 % 28.72 % 14.66 % 0.33 % 8.91 % Not Available Not Available
Return for last 36 months
preceding June 04, 2013
*Bond Fund, Managed Fund, Growth Fund, Equity Fund, ProActive Fund and Money Market Fund are denominated in Philippine Peso.
**The Equity Fund has served as an underlying fund of the Managed and Growth Funds prior to the fund launch date.
The assets in our unit funds are valued using the marked-to-market valuation method on a weekly basis.
The unit prices of Pru Life UK’s unit funds are published every Friday on major newspapers, or you may log on to our website
www.prulifeuk.com.ph for the latest unit prices.
Lee C. Longa
EVP and Chief Financial Officer
ACKNOWLEDGEMENT OF VARIABILITY
Application Number :
Agent's Unit :
I acknowledge that:
I have applied with Pru Life UK for a Variable Life Insurance Policy and have reviewed the illustration(s) that
shows how a life insurance policy could perform using the Company's assumptions and based on Insurance
Commission's guidelines on investment returns.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend
on the actual performance at that given period and that the value of my policy could be less than the capital
invested. The unit values of my variable life insurance policy are periodically published.
I understand that the investment risks under the policy are to be borne solely by me, as the policyowner.