Projected Total Tuition Fees of Selected Colleges and Universities for a 4-Year Course

Age Now 0 1 2 3 4 5 6 7 8 9
Years to go before College 17 16 15 14 13 12 11 10 9 8
AMA Computer University 2,495,291 2,268,446 2,062,224 1,874,749 1,704,317 1,549,379 1,408,527 1,280,479 1,164,072 1,058,247
Assumption College 2,935,636 2,668,760 2,426,146 2,205,587 2,005,079 1,822,799 1,657,090 1,506,446 1,369,496 1,244,996
Ateneo de Davao University 2,593,145 2,357,405 2,143,095 1,948,269 1,771,153 1,610,139 1,463,763 1,330,694 1,209,721 1,099,747
Ateneo de Manila University 4,403,455 4,003,140 3,639,219 3,308,381 3,007,619 2,734,199 2,485,635 2,259,668 2,054,244 1,867,495
Colegio de San Juan de Letran 2,299,582 2,090,529 1,900,481 1,727,710 1,570,645 1,427,859 1,298,054 1,180,049 1,072,772 975,247
College of the Holy Spirit (Manila) 2,299,582 2,090,529 1,900,481 1,727,710 1,570,645 1,427,859 1,298,054 1,180,049 1,072,772 975,247
De La Salle University 5,504,318 5,003,926 4,549,023 4,135,476 3,759,523 3,147,749 3,107,044 2,824,586 2,567,805 2,334,368
Far Eastern University 2,446,364 2,223,967 2,012,788 1,837,989 1,670,899 1,518,999 1,380,908 1,255,371 1,141,247 1,037,497
Lyceum of the Philippines 1,908,164 1,734,694 1,576,995 1,433,632 1,303,301 1,184,819 1,077,109 979,190 890,172 809,248
Mapua Institute of Technology 3,522,764 3,202,512 2,911,375 2,646,704 2,406,095 2,187,359 1,988,508 1,807,735 1,643,395 1,493,996
Miriam College 2,691,000 2,446,364 2,223,967 2,021,788 1,837,989 1,670,899 1,518,999 1,380,908 1,255,371 1,141,247
Philippine Women's University 2,421,900 2,201,727 2,001,570 1,819,609 1,654,190 1,503,809 1,367,099 1,242,818 1,129,834 1,027,122
San Beda College 3,131,345 2,846,678 2,587,889 2,352,626 2,138,751 1,944,319 1,767,563 1,606,875 1,460,796 1,327,996
San Sebastian College 2,250,655 2,046,050 1,860,045 1,690,950 1,537,227 1,397,479 1,270,436 1,154,942 1,049,947 954,497
Silliman University (Dumaguete City) 2,006,018 1,823,653 1,657,866 1,507,151 1,370,137 1,245,579 1,132,345 1,029,405 935,822 850,748
St. Paul College (Quezon City) 2,348,509 2,135,008 1,940,917 1,764,470 1,604,063 1,458,239 1,327,672 1,205,156 1,095,597 995,997
St. Scholastica's College 2,935,636 2,668,760 2,426,146 2,205,587 2,005,079 1,822,799 1,657,090 1,506,446 1,369,496 1,244,996
Trinity University of Asia 1,761,382 1,601,256 1,455,687 1,323,352 1,203,047 1,093,680 994,254 903,867 821,698 746,998
University of Asia and the Pacific 4,158,818 3,780,744 3,427,040 3,124,582 2,840,529 2,582,299 2,347,544 2,134,131 1,940,119 1,763,745
University of San Carlos (Cebu) 2,935,636 2,668,760 2,426,146 2,205,587 2,005,079 1,822,799 1,657,090 1,506,446 1,369,496 1,244,996
University of Sto. Tomas 2,348,509 2,135,008 1,940,917 1,764,470 1,604,063 1,458,239 1,325,672 1,205,156 1,095,597 995,997
University of the East 2,006,018 1,823,653 1,657,866 1,507,151 1,307,137 1,245,579 1,132,345 1,029,405 935,822 850,748
University of the Philippines 1,418,891 1,289,901 1,172,637 1,066,034 969,122 881,020 800,927 728,115 561,923 601,748
University of Visayas (Cebu) 611,591 555,992 505,447 459,497 417,725 379,750 345,227 313,843 285,312 259,374

Notes:
1. Projections were computed based on the average 2015 fees for all courses This material is for Pru Life UK agent use only. Reproduction of
2. Assumed a 10% annual increase of tuition fees this material in any form without the consent of Pru Life UK
is strictly prohibited.
Sources:
1. www.philippine-portal.com
2. Phone inquiries
 Non-Medical Authority (NMA)
Non-Medical Limit
AGE GROUP
General Premiere Exclusive
0 to 45 4,000,000 7,000,000 10,000,000
46 to 50 2,000,000 6,000,000 7,000,000
51 to 60 1,000,000 2,000,000 3,000,000
61 to 70 n/a n/a 1,000,000

For an Agent to qualify for General Privilege, the following are required:
1. Completed BTC
2. Passed NMA validation exam conducted by Agency Distribution and Training

For an Agent to qualify for the Premiere Privilege, the following are required:
1. Unit Manager / Branch Manager
2. Agent: P2,000,000 NAP, 24 cases* (rolling 12 months)
3. Agent: at least CEO Circle
*The required 24 cases exclusive of A&H products, single pay plans and top-ups
*85% Personal Persistency

For an Agent to qualify for the Exclusive Privilege:

1. Area Manager / District Manager
2. Branch Manager: at least P35M APE (previous year) and 80% branch persistency (previous year)
3. Unit Manager: at least P12.5M APE (previous year) and 85% unit persistency (previous year)
4. Agent: at least Achiever's Club, Star Club member

Computation of Sum Assured of all in-force policies includes ALL Basic Life,
PLUS the following riders within 2 years :
1. Non-accelerated Critical Illness Riders
- Life Care Plus
- Life Care Advance Plus
- Amount of Multiple Life Care Plus x 1.5
- Combination of the 3 Non-accelerated Critical Illness Riders
2. Term
- Additional Term Rider
3. Waiver Riders (except for Premium Status indicates Fully Paid)
- Payor Waiver (Annual Premium x Number of Premium Paying Years**)
- Spouse Waiver (Annual Premium x Number of Premium Paying Years**)
** maximum of x10
 TABLE OF ROUTINE UNDERWRITING REQUIREMENTS - GENERAL LEVEL
TOTAL FACE
1-15 16-45 46-50 51-60 61-70 71 up
AMOUNT
FME FME
up to 500K NM NM NM NM
MUR MUR
FME FME
>500K - 1M NM NM NM NM
MUR MUR
FME FME FME
>1M - 2M NM NM NM
MUR MUR MUR
FME FME FME FME
>2M - 3M NM NM MUR MUR MUR MUR
BEX BEX
FME FME FME FME
MUR MUR MUR MUR
>3M - 4M NM NM
BEX BEX
ECG ECG
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>4M - 6M
BEX BEX
ECG ECG
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>6M - 7M
BEX BEX BEX BEX
ECG ECG
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>7M - 12.5M
BEX BEX BEX BEX BEX
ECG ECG ECGT ECGT
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>12.5M BEX BEX BEX BEX BEX
ECGT ECGT ECGT ECGT ECGT
CXR CXR CXR CXR CXR

Legend: FME: Full Medical Exam Blood Exam (BEX) Composition:

MUR: Micro Urinalysis FBS Total Cholesterol
BEX: Blood Exam with Fasting Creatinine Triglycerides
ECG: Electrocardiogram Uric Acid HIV
ECGT: ECG with Treadmill SGPT HBsAg
CXR: Chest X-ray GGTP CBC
HDL
 TABLE OF ROUTINE UNDERWRITING REQUIREMENTS - PREMIERE LEVEL
TOTAL FACE
1-15 16-45 46-50 51-60 61-70 71 up
AMOUNT
FME FME
up to 500K NM NM NM NM
MUR MUR
FME FME
>500K - 1M NM NM NM NM
MUR MUR
FME FME
>1M - 2M NM NM NM NM
MUR MUR
FME FME FME
>2M - 3M NM NM NM MUR MUR MUR
BEX BEX
FME FME FME
MUR MUR MUR
>3M - 4M NM NM NM
BEX BEX
ECG ECG
FME FME FME
MUR MUR MUR
>4M - 6M NM NM NM
BEX BEX
ECG ECG
FME FME FME FME
MUR MUR MUR MUR
>6M - 7M NM NM
BEX BEX BEX BEX
ECG ECG
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>7M - 12.5M
BEX BEX BEX BEX BEX
ECG ECG ECGT ECGT
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>12.5M BEX BEX BEX BEX BEX
ECGT ECGT ECGT ECGT ECGT
CXR CXR CXR CXR CXR

Legend: FME: Full Medical Exam Blood Exam (BEX) Composition:

MUR: Micro Urinalysis FBS Total Cholesterol
BEX: Blood Exam with Fasting Creatinine Triglycerides
ECG: Electrocardiogram Uric Acid HIV
ECGT: ECG with Treadmill SGPT HBsAg
CXR: Chest X-ray GGTP CBC
HDL
 TABLE OF ROUTINE UNDERWRITING REQUIREMENTS – EXCLUSIVE LEVEL
TOTAL FACE
1-15 16-45 46-50 51-60 61-70 71 up
AMOUNT

FME
up to 500K NM NM NM NM NM
MUR
FME
>500K - 1M NM NM NM NM NM
MUR
FME FME
>1M - 2M NM NM NM NM
MUR MUR
FME FME
>2M - 3M NM NM NM NM MUR MUR
BEX BEX
FME FME FME
MUR MUR MUR
>3M - 4M NM NM NM
BEX BEX
ECG ECG
FME FME FME
MUR MUR MUR
>4M - 6M NM NM NM
BEX BEX
ECG ECG
FME FME FME
MUR MUR MUR
>6M - 7M NM NM NM
BEX BEX BEX
ECG ECG
FME FME FME FME
MUR MUR MUR MUR
>7M - 12.5M NM NM
BEX BEX BEX BEX
ECG ECG ECGT ECGT
FME FME FME FME FME FME
MUR MUR MUR MUR MUR MUR
>12.5M BEX BEX BEX BEX BEX
ECGT ECGT ECGT ECGT ECGT
CXR CXR CXR CXR CXR

Legend: FME: Full Medical Exam Blood Exam (BEX) Composition:

MUR: Micro Urinalysis FBS Total Cholesterol
BEX: Blood Exam with Fasting Creatinine Triglycerides
ECG: Electrocardiogram Uric Acid HIV
ECGT: ECG with Treadmill SGPT HBsAg
CXR: Chest X-ray GGTP CBC
HDL

Baby Book is a routine requirement for coverage above 6M, aged 0-5.
 MEDICAL CONDITION
Hypertension
Diabetes Mellitus
Bronchial Asthma
Pulmonary Tuberculosis
or Primary Complex
(within the last 12 months)
Hyperthyroidism or
Hypothyroidism
Removal of segment
or organ (-ectomy) or
Removal of cyst/mass/
tumor
Pregnant
Have Just Given Birth
After Miscarriage
Validity Period: (Standard Cases)
- Medical Report Form
- Microurinalysis
- ECG/ECGT
- Chest X-Ray
- Blood Chemistry
- HIV Test
For Roving Medical Examiner:
- Check urine using dipstick for Proposed Life Insured aged 11 years old and above
- Note result in Question #16 of Medical Report Form
UNDERWRITING REQUIREMENTS
§ FME, MUR
§ Attending Physician's Statement (APS)
§ FME, MUR
§ Latest Fasting Blood Sugar (FBS) and HBa1C 6 months validity
§ Diabetic Questionnaire by Proposed Life Insured
§ Diabetic Questionnaire by Attending Physician
§ FME, MUR
§ Respiratory Disorder Questionnaire by Proposed Life Insured
§ Respiratory Disorder Questionnaire by Attending Physician
§ Latest Chest X-Ray
§ Attending Physician's Statement (APS)
§ FME, MUR
§ Latest T3, T4, TSH 6 months validity
§ Latest Ultrasound, if available
§ Ex: Oophorectomy, Craniectomy, Thyroidectomy, Cholecystectomy, TAHBSO
§ Biopsy Report (Histopath)
§ FME, MUR
§ Pregnancy Questionnaire by Attending Obstetrician
§ Minimum TPD (P60,000); no other riders can be attached
§ Normal Delivery subject to 2 months waiting period after giving birth
§ Caesarean Delivery subject to 3 months waiting period after giving birth
§ If within waiting period FME, MUR
§ Subject to 2 months waiting period after miscarriage
§ If within waiting period FME, MUR
Validity Period: (Sub-Standard Cases)
1 year - Medical Report Form 6 months
6 months - Microurinalysis 6 months
1 year - ECG/ECGT 6 months
1 year - Chest X-Ray 6 months
6 months - Blood Chemistry 6 months
6 months - HIV Test 6 months
 STANDARD HEIGHT AND WEIGHT (in pounds) - ADULT
MALE FEMALE
Height Low Target High Height Low Target High
5' 1" 123 134 145 4' 10" 100 115 131
5' 2" 125 137 148 4' 11" 101 117 134
5' 3" 127 139 151 5' 0 " 103 120 137
5' 4" 129 142 155 5' 1" 105 122 140
5' 5" 131 145 159 5' 2" 108 125 144
5' 6" 133 148 163 5' 3" 111 128 148
5' 7" 135 151 167 5' 4" 114 133 152
5' 8" 137 154 171 5' 5" 117 136 156
5' 9" 139 157 175 5' 6" 120 140 160
5' 10" 141 160 179 5' 7" 123 143 164
5' 11" 144 164 183 5' 8" 126 146 167
6' 0" 147 167 187 5' 9" 129 150 170
6' 1" 150 171 192 5' 10" 132 153 173
6' 2" 153 175 197 5' 11" 135 156 176
6' 3" 157 179 202 6' 0" 138 159 179
 STANDARD HEIGHT AND WEIGHT (in pounds) - BABIES TO TEENAGERS
BOYS GIRLS
Age Average Height Weight Age Average Height Weight
New Born 7.16 New Born 7.16
1 month 9.15 1 month 9.15
2 months 10.91 2 months 10.91
3 months 12.56 3 months 12.56
4 months 14 4 months 14
5 months 15.43 5 months 15.43
6 months 16.53 6 months 16.53
7 months 17.64 7 months 17.64
8 months 18.74 8 months 18.74
9 months 19.62 9 months 19.62
10 months 20.28 10 months 20.28
11 months 21.05 11 months 21.05
1 year 28 - 29 inches 22 12 months 28 - 29 inches 21.76
13 months 22.27 13 months 22.27
14 months 22.82 14 months 22.82
15 months 23.26 15 months 23.26
16 months 23.7 16 months 23.7
17 months 24.14 17 months 24.14
18 months 24.58 18 months 24.58
19 months 25.02 19 months 25.02
20 months 25.35 20 months 25.35
21 months 25.79 21 months 25.79
22 months 26.12 22 months 26.12
23 months 26.57 23 months 26.57
2 years 31 inches 28.4 2 years 30 inches 28.4
3 years 33 inches 33 3 years 33 inches 30.8
4 years 37 inches 35 -37 4 years 37 inches 35.2
5 years 40 inches 41.8 5 years 40 inches 39.6
6 years 42 inches 46.2 6 years 41 inches 46.2
7 years 44 inches 50.6 7 years 43 inches 50.6
8 years 45 inches 57.2 8 years 45 inches 57.2
9 years 49 inches 61.6 9 years 47 inches 63.8
10 years 51 inches 70.4 10 years 51 inches 70.4
11 years 52 inches 77 11 years 52 inches 79.2
12 - 13 years 58 - 62 inches 85 - 100 12 - 13 years 60 - 63 inches 95 - 105
14 - 15 years 63 - 66 inches 105 - 125 14 - 15 years 63 - 64 inches 105 - 115
16 - 17 years 67 - 70 inches 130 - 150 16 - 17 years 64 inches 115 - 120
18 - 20 years 68 - 70 inches 150 - 160 18 - 20 years 64 inches 125 - 130
REQUIREMENTS FOR FINANCIAL UNDERWRITING (Based on Single Premium)
SINGLE PREMIUM REQUIREMENTS
Single Premium of at least § Agent's Confidential Report
P100K (including P20K Top-Up) § Personal Financial Statement

REQUIREMENTS FOR FINANCIAL UNDERWRITING (Based on Sum Assured)

SUM ASSURED REQUIREMENTS
P3M to P5M § Agent's Confidential Report

>P5M but <P10M § Agent's Confidential Report

§ Personal Financial Statement
>P10M but <P15M § Agent's Confidential Report
§ Large Amount Questionaire
P15M and above § Agent's Confidential Report
§ Large Amount Questionaire
§ Audited Financial Statement for 2 years or ITR
§ Inspection Report

§ The total amount of coverage for Regular Pay or Limited Pay Plans, including those beyond
24 months or 2 years, is aggregated to determine the routine Financial Underwriting requirements.

REQUIREMENTS FOR MATERIAL PREMIUM THRESHOLD

MATERIAL PREMIUM
Single Pay:
Aggregate Single Premium
of at least P12.5M or USD250K
Regular Pay / Limited Pay:
Aggregate Annual Premium
of at least P9M or USDP180K
REQUIREMENTS
§ Proof of Income or Wealth:
- Payslip
- Latest Annual ITR
- Current Bank Statements
- Recent and Current Annual Financial Statements
- Bank Reference from Regulated Banking Institutions
- Corroborative Evidence showing inheritance or monies
received and demonstrating bona fide source of funds

§ The Single Premiums for ALL Single Pay in-force policies, regardless of date of issuance, are
summed up to determine the routine Financial Underwriting requirements.

§ The Annual Premiums for ALL Regular Pay / Limited Pay in-force policies, regardless of date of
issuance, are summed up to determine the routine Financial Underwriting requirements.

REQUIREMENTS FOR COPORATE CLIENTS

The following relevant documents shall be obtained in respect of corporate/other
business applicants, which are subject to Philippine regulation:
§ Copies of Certificate of Registration, including Articles of Incorporation or
Certificate of Partnership, as appropriate
§ Copies of By-laws
§ Latest General Information Sheet (GIS) which lists the names of directors/partners
and principal stockholders and secondary licenses
§ The name(s) and address(es) of the beneficial owner(s) and/or the person(s)
or whose instructions the signatories on the account are empowered to act
§ The originals or certified true copies of any or all of the foregoing documents,
where required, should be produced for verification
§ A sworn statement as to existence or non-existence of beneficial owners
§ Sample affidavits are:
- Change in Beneficial Ownership of Stockholdings
- Beneficial Ownership of Stockholders

CORPORATE ACCOUNTS (Keyman Insurance)

§ Company is the policyowner and beneficiary
§ Issued without WPTPD, PA and HI
§ Documents required: SEC, GIS, Board Resolution, Audited Financial Statement

CORPORATE ACCOUNTS (Employee's Benefit)

§ Company is the policyowner and beneficiary
§ Beneficiaries are the family members of the insured
§ Documents required: SEC, GIS, Board Resolution, Audited Financial Statement

Validity
§ Financial Statement 1 year
§ Inspection Report 1 year
INSURED IS
Minor
Overseas Filipino Worker
(OFW)
- No Flat Extra
Overseas Filipino Worker
(OFW)
- With Flat Extra due to
occupational risk
Overseas Filipino Worker
(OFW)
- With Flat Extra due to
territorial risk
Seafarer - Cargo
Seafarer - Cruise (e.g.
Engineer, Waiters,
Housekeeping Staff, etc.)
Expat, Resident Alien or
Immigrant
Entertainer or Performer
Housewife
Pilot or Crew Member
Athlete (e.g. professional
basketball player)
Politician
Military Personnel
Security Guard, Messenger,
Driver (e.g. cab, bus, taxi,
uber, grab)
Family Driver
Notes:
1. Please consult with your UM or BM the details of each special case for confirmation
2. Agent can generate QPs with Flat Extra and rated TPD and ADD using the eQuotes
3. TPD at Table B is additional 50% rating (select from the pop down menu in eQuotes)
4. TPD at Table D is additional 100% rating (select from the pop down menu in eQuotes)
UNDERWRITING GUIDELINES AND REQUIREMENTS (as of November 13, 2018)
§ 7 days old to 17 years old can be insured
§ Should not be physically and mentally handicapped
§ If the payor is not the parent, one of the parents has to countersign the Application
and Non-Medical Questionnaire for Minor
- One of the parents must be a beneficiary
- The parent should sign on behalf of the minor insured
§ Executives, Clerks, Professionals
§ Working in countries without territorial risk (e.g., US, Canada, Australia, Qatar, UAE, Saudi Arabia, Singapore, etc.)
§ All riders allowed except HI and PA
§ Skilled Workers/Domestic Workers: Flat Extra of P2.00 per thousand
§ Min TPD at Table D; Min ADD at Class 3
§ No Optional Riders allowed except Critical Illness Riders
§ Agent can generate QP with Flat Extra and rated TPD and ADD
§ Countries with territorial risk: India, Kuwait, Papua New Guinea, etc.
§ Flat Extra depends on country of occupation
§ Min TPD at Table D; Min ADD at Class 3
§ No Optional Riders allowed except Critical Illness Riders (Subject to approval by NBU)
§ Officers (including Captain): no Flat Extra
§ Officers: Standard; Minimum TPD; Min ADD; No Other Optional Riders except Critical Illness Riders
§ Officers: HI Rider at Minimum; WPTPD cannot be attached
§ Non-Officers: Flat Extra of P2.00 per thousand
§ Officers: Minimum TPD; Min ADD at Class 3; No Other Optional Riders except Critical Illness Riders
§ Non-Officers: Can attach LCB & HI at Minimum; WPTPD cannot be attached
§ Port of entry must be specified
§ No Flat Extra
§ Standard; Minimum TPD; Mininum ADD; No Other Optional Riders except Critical Illness Riders
§ HI rider at Minimum; WPTPD cannot be attached
§ Port of entry must be specified
§ Should have continuously stayed in the Philippines for at least 2 years
§ Immigrant's Certification of Registration (ICR)
§ Case-to-case basis
§ Simplified BEX (HIV, SGPT, GGTP)
§ Agent's Report regarding lifestlye and habits
§ SA is limited to P500,000 or equal to the SA of husband, whichever is higher
§ Issued at standard; all riders can be attached (depending on country/base)
§ If SA is at least P1.5M, Simplified BEX (HIV, SGPT, GGTP)
§ Aviation Questionnaire
§ Commercial international and domestic carriers
§ Student Pilots and Non-Commercial Pilots are not acceptable
§ NOTE: If payor, Payor Waiver cannot be attached
§ Min TPD at Table D; Min ADD at Class 3; No Other Optional Riders except Critical Illness Riders
§ Boxers, Wrestlers, Mixed Martial Arts are not acceptable
§ Maximum issue limit is P5M
§ Flat Extra of P5.00 per thousand
§ Min TPD at Table D; Min ADD at Class 3; No Other Optional Riders except Critical Illness Riders
§ If coming from high-risk areas (eg Maguindanao, Sulu), not acceptable
§ Identified as PEP (Politically Exposed Person)
§ Applications will be referred to and approved by Compliance Department
§ If Captain to Major, maximum issue limit is P1M
§ If Colonel to General, maximum issue limit is P2M
§ Counterpart in PNP also acceptable (Senior Inspector to Chief Superintendent)
§ Flat Extra of P5.00 per thousand
§ Minimum TPD at Table D; Min ADD at Class 3; No Other Optional Riders except Critical Illness Riders
§ Can be identified as PEP (Politically Exposed Person)
§ Flat Extra of P5.00 per thousand
§ Minimum TPD at Table D; Min ADD at Class 3; No Other Optional Riders except Critical Illness Riders
§ Tricycle Drivers are not acceptable
§ TPD and WPTPD at Table B
§ PA/ADD at Class 3
POLITICALLY EXPOSED PERSON (PEP)
Extends to:
- members of an official’s close family
- close associates
- any business (incorporated or unincorporated) that the official has a relationship with
- local officials

SINGLE PREMIUM UNDERWRITING REQUIREMENTS

Below P500K(aggregate) § Agent’s Confidential Report and
§ at least 1 Proof of Income (e.g. Payslip, Certificate of Employment with Compensation Details,
ITR or some other Proof of Income that is validated by a 3rd party (e.g. auditor, employer, CPA))
> P500k to P1.5 M § Agent’s Confidential Report and
(aggregate) § Income Tax Return (ITR) or some Proof of Income that is validated by a 3rd party (e.g. auditor, employer, CPA)
> P1.5 M (aggregate) § Agent’s Confidential Report
§ Audited Financial Statement (AFS) or Income Tax Return (ITR)

SUM ASSURED UNDERWRITING REQUIREMENTS

Below P2M § Agent’s Confidential Report
P2M to Php 5M § Agent’s Confidential Report and
(aggregate) § Income Tax Return (ITR) or some other Proof of Income that is validated by a 3rd party (e.g. auditor, employer, CPA))
P5M to < P8M § Agent’s Confidential Report and
(aggregate) § Audited Financial Statement (AFS) or Income Tax Return (ITR)
> P8M (aggregate) § Agent’s Confidential Report and
§ Audited Financial Statement (AFS) or Income Tax Return (ITR)
PAA+ Core and Optional Benefits PAA+ Sum Assured Multiples PAA+ Minimum Annual Premium
Total and Permanent Disability Age Minimum Maximum Peso Dollar
Age of Entry 5 - 65 0-20 20 160 PAA+ 25,000 580
Benefit Term up to age 70 21-25 20 140 PAA Low 10,000 N/A
Crisis Cover Benefit / Life Care Benefit 26-30 20 120
Age of Entry 18 - 59 31-35 20 100
Benefit Term up to age 70 36-40 20 80 PAA+ Minimum Sum Assured
Accidental Death and Disablement 41-45 20 60 Peso Dollar
Age of Entry 5 - 65 46-50 20 40 PAA+ 500,000 11600
Benefit Term up to age 73 51-55 20 30 PAA Low 50,000 N/A
Personal Accident 56-60 15 20
Age of Entry 18 - 65 61-65 10 15
Benefit Term up to age 73 66-70 10 10

PEP Minimum Annual Premium PEP Minimum Sum Assured Multiples

Term Peso Dollar Age Exact 5 Exact 7 Exact 10 Exact 15
Exact 5 40,000 900 0-70 6 6 6 6
Exact 7 40,000 825
Exact 10 PEP Maximum Sum Assured Multiples
Low Premium 18,000 N/A Age Exact 5 Exact 7 Exact 10 Exact 15
Regular Premium 35,000 675 0 - 39 16 24 36 48
Exact 15 40 - 44 16 24 36 48
Low Premium 18,000 N/A 45 - 49 9 15 22 35
Regular Premium 35,000 600 50 - 54 6 6 15 25
55 - 59 6 6 9 20
PEP Minimum Sum Assured 60 - 64 6 6 9 15
Payment Term Peso Dollar 65 - 70 6 6 6 10
Exact 5 240,000 4,500
Exact 7 240,000 4,125 PEP Premium Allocation Schedule
Exact 10 Years Exact 5 Exact 7 Exact 10 Exact 15
Low Premium 108,000 N/A 1 10% 10% 7% 0%
Regular Premium 210,000 3,375 2 45% 45% 30% 45%
Exact 15 3 100% 100% 100% 75%
Low Premium 108,000 N/A 4 100% 100% 100% 100%
Regular Premium 210,000 3,000 5 100% 100% 100% 100%

Product Limits
Basic Plan Issue Age Termination Age
Limited Pay - Whole Life Plan 0 to 70 100
Total and Permanent Disability Plus (TPD) 0 to 65 70
Optional Benefits Issue Age Termination Age
Accidental Death and Disablement (ADD) 5 to 65 73
Crisis Cover Benefit (CCB) 18 to 60 70
Life Care Benefit (LCB) 18 to 60 70
Life Care Plus (LCP) 18 to 60 70
Additional Term 0 to 60 75
Payor Term 18 to 60 75
Hospital Income (HI) 18 to 54 65
(Min. 1,000 & Max. 5,000) (DHI, ICU, LTH, and SER)
Waiver of Premium Benefit on TPD (WPTPD) 18 to 59 60
Life Care Waiver (LCW) 18 to 54 70
Payor Waiver of Regular Premium
Age of Entry of Life Insured 0 to 17 25
Age of Entry of Payor 18 to 59 75
Personal Accident (PA) Personal Accident (PA)
Variant Issue Age Optional Benefits Termination Age
Standard 5 to 65 ADD, ATPD 73
Executive 25 to 65 M&A, DI & AMR 73
Power 18 to 24 FTC 23
Junior 5 to 17 DSC 26

Elite Minimum Annual Premium Elite Minimum Sum Assured Multiples

Term Peso Dollar Age Elite 5 Elite 7 Elite 10 Elite 15
Elite 5 200,000 4,500 5 times the base 7 times the base 10 times the 15 times the
0-70
Elite 7 150,000 3,300 annual premium annual premium base annual base annual
Elite 10 110,000 2,500
Elite 15 75,000 1,700
Elite Minimum Sum Assured Elite Minimum Sum Assured Multiples
Term Peso Dollar Age Elite 5 Elite 7 Elite 10 Elite 15
Elite 5 1,000,000 67,500 0–4 32 44 64 98
Elite 7 1,050,000 49,500 5–9 31 43 62 95
Elite 10 1,100,000 37,500 10 – 14 30 42 60 92
Elite 15 1,125,000 25,500 15 – 19 30 41 60 91
20 – 44 30 41 59 91
45 – 49 23 32 46 70
50 – 54 15 20 30 45
55 – 59 9 13 19 29
60 – 64 6 8 12 18
65 – 70 6 7 10 15

Elite Premium Allocation Schedule

Age Elite 5 Elite 7 Elite 10 Elite 15
1 70% 60% 50% 40%
2 85% 75% 70% 60%
3 95% 95% 95% 85%
4 95% 95% 95% 95%
5 100% 100% 100% 100%
 PRUMILLIONAIRE INSURANCE CHARGE

Insurance Charge 1st month Insurance Charge 1st month

Age per thousand per insurance charge Age per thousand per insurance charge
year per million of SP year per million of SP
0 to 10 0.68 14.45 41 2.79 59.29
11 0.74 15.73 42 3.05 64.81
12 0.84 17.85 43 3.33 70.76
13 0.97 20.61 44 3.64 77.35
14 1.13 24.01 45 3.97 84.36
15 1.29 27.41 46 4.32 91.80
16 1.44 30.60 47 4.69 99.66
17 1.56 33.15 48 5.11 108.59
18 1.64 34.85 49 5.56 118.15
19 1.70 36.13 50 6.07 128.99
20 1.73 36.76 51 6.66 141.53
21 1.72 36.55 52 7.31 155.34
22 1.70 36.13 53 8.07 171.49
23 1.66 35.28 54 8.90 189.13
24 1.62 34.43 55 9.81 208.46
25 1.59 33.79 56 10.78 229.08
26 1.56 33.15 57 11.82 251.18
27 1.55 32.94 58 12.93 274.76
28 1.55 32.94 59 14.15 300.69
29 1.56 33.15 60 15.52 329.80
30 1.59 33.79 61 16.95 360.19
31 1.63 34.64 62 18.57 394.61
32 1.70 36.13 63 20.40 433.50
33 1.77 37.61 64 22.40 476.00
34 1.86 39.53 65 24.58 522.33
35 1.92 40.80 66 26.89 571.41
36 2.01 42.71 67 29.36 623.90
37 2.11 44.84 68 32.00 680.00
38 2.22 47.18 69 34.91 741.84
39 2.35 49.94 70 38.20 811.75
40 2.56 54.40
 PRULINK INVESTOR ACCOUNT PLUS INSURANCE CHARGE

1st month 1st month

Insurance Charge Insurance Charge
insurance charge insurance charge
Age per thousand per Age per thousand per
per hundred per hundred
year year
thousand of SP thousand of SP
0 to 10 0.90 2.10 41 4.15 9.68
11 0.97 2.26 42 4.52 10.55
12 1.11 2.59 43 4.95 11.55
13 1.29 3.01 44 5.39 12.58
14 1.50 3.50 45 5.88 13.72
15 1.71 3.99 46 6.41 14.96
16 1.91 4.46 47 6.97 16.26
17 2.08 4.85 48 7.59 17.71
18 2.19 5.11 49 8.25 19.25
19 2.26 5.27 50 9.00 21.00
20 2.28 5.32 51 9.87 23.03
21 2.28 5.32 52 10.85 25.32
22 2.25 5.25 53 11.97 27.93
23 2.22 5.18 54 13.22 30.85
24 2.16 5.04 55 14.57 34.00
25 2.10 4.90 56 16.01 37.36
26 2.07 4.83 57 17.55 40.95
27 2.04 4.76 58 19.19 44.78
28 2.04 4.76 59 21.01 49.02
29 2.07 4.83 60 23.04 53.76
30 2.11 4.92 61 25.17 58.73
31 2.17 5.06 62 27.58 64.35
32 2.25 5.25 63 30.29 70.68
33 2.35 5.48 64 33.27 77.63
34 2.47 5.76 65 36.50 85.17
35 2.62 6.11 66 39.94 93.19
36 2.79 6.51 67 43.59 101.71
37 2.99 6.98 68 47.51 110.86
38 3.22 7.51 69 51.84 120.96
39 3.48 8.12 70 56.71 132.32
40 3.79 8.84
 Condition New Business Requirements

New Business Client Suitability

Application Form Signed QP Photocopy of IDs
Application Form

Personal Agent's
If PIA or PruM Financial Confidential
Statement Information

Non-Med
If PLI is a Minor Questionnaire
for Minors

Endorsement for Photocopy of IDs

If with Irrevocable
Irrevocable of Irrevocable
Beneficiary/ies
Beneficiaries Beneficiary/ies

If paying through Auto- ADA Form

First Premium
Debit Arrangement (4 original)

12 PDCs if
If paying through Post- PDC Agreement
PDC Certification 1 dated cheque monthly, 4 PDCs
Dated Checks Form
if quarterly

If paying through Credit Card Photocopy of ID

Credit Card Enrollment Form of credit card

Know Your Photocopy of ID

If with Third Party
Customer Form of Third Party
Payor
(KYC) Payor

If with Medical
Medical Exam/s Medical Records
Declaration/s or if SA
required required
is beyond NMA