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 from the Product Management team.

I. PRODUCT DESCRIPTION:
The PRUlink assurance account plus (PAA 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 (PAA 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:

Maturity benefit ( at age 100) The sum of:
Less:
Additional benefits
(Part of core benefits)
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.
1. sum assured;
2. value of units in the policy; and
3. 125% of all Top-ups
4. 125% of all withdrawals on the Top-up units.
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.

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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: Whichever is lower of 500% of basic
sum assured or 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.
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 assured 0 – 20 160
(Multiple of base 21 – 25 140
annual premium) 26 – 30 120
This is set per age 31 – 35 100
bracket to ensure that 36 – 40 80
there is substantial 41 – 45 60
amount left in the fund 46 – 50 40
to cover for future 51 – 55 30
deductions of cost of 56 – 60 20
insurance (COI). 61 – 65 15
66 – 70 10
Optional benefits For full details of the following riders, please refer to Section VIII: Rider
(attachable riders) 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 benefit Payor Term Benefit
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 benefits Waiver of Premium Benefit due to TPD, Life Care Waiver, Payor Waiver
of Regular Premium Benefit

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V. PREMIUM-RELATED INFORMATION:

Premium pay period Whole life to pay

Premium type
Minimum total premium
PESO DOLLAR
Regular basic 25,000 580
Top-ups PhP 20,000 / USD 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 current
 Credit card (not account in BDO, BPI, HSBC and
allowed for Top- ups) Metrobank
 SM  Over-the-counter payment in all
 Bayad Centers 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 Asia Pacific equity fund
PRUlink proactive fund

PRUlink equity fund

PRUlink money market fund
(for switching only)
Investment manager Eastspring Investments (Singapore) Limited
Minimum partial withdrawal PhP 10,000 / USD 250
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
% of Top-up premium 3%
Bid offer spread None
Cost of Insurance  Insurance and rider charges for core and optional benefits are
deducted monthly through selling proportionate units using 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. 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.
PAA Plus Top-ups
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 managed fund 1.79% PRUlink Asian local bond 1.80%
fund
PRUlink proactive fund 2.25% PRUlink Asian balanced fund 1.95%
PRUlink growth fund 2.25% PRUlink Asia Pacific equity 2.05%
fund
PRUlink equity fund 2.25%
PRUlink money market fund 0.50%
(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.
Critical illness benefits Accelerated Life Life Care Plus Multiple Life Life Care
Care Benefit (LCP) Care Plus Advance Plus
(LCB) (MLCP) (LCAP)
Benefit/s Pays out a Pays out 100% Pays out total of Pays out 100% of
percentage of the of the benefit 310% of the the benefit amount
base plan sum amount of the benefit amount of of the rider upon
assured (equal to rider upon the rider upon diagnosis of or
rider benefit diagnosis of or diagnosis of or upon surgery due
amount) upon upon surgery upon surgery due to any of the 36
diagnosis of or due to any of to any of the 36 critical illnesses
upon surgery due the 36 critical critical illnesses
to any of the 36 illnesses
critical illnesses
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 (4) times
different
categories of
critical illness
group
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
*subject to Basic sum assured or PhP 3,750,000 or
coordination of benefits PhP 5,000,000 or USD 100,000; whichever is lower USD 75,000;
whichever is lower
Mode of payment Follows basic
Premium payment term Follows basic
* For coordination of critical illness benefits:
The maximum critical illness sum assured per life is PhP 5,000,000 or USD 100,000 and may be increased up to PhP
8,750,000 or USD 175,000 if coordinated with Life Care Advance Plus (LCAP), subject to the maximum sum assured
limits per rider.

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 Hospital income benefits Daily Hospital Intensive Care Unit Long Term Surgical Expense
(HI) Income (DHI) (ICU) Hospitalization Reimbursement
(LTH) (SER)
Benefit Pays daily cash Pays daily cash Pays daily cash Reimburses the
benefit benefit for each day benefit for each day actual
for each day of of confinement in of hospital surgical expenses of
hospital an confinement in surgery while under
confinement due to ICU for up to 365 excess of 30 days confinement;
accident or illness for days for amount
up to 365 days of of continuous up to 335 days of is capped at the
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 18-54 18-54 18-54 18-54

Coverage Up to age 65 Up to age 65 Up to age 65 Up to age 65
Minimum sum assured PhP 1,000/US$ 20 200% of DHI 100% of DHI 1500% of DHI
Maximum sum assured PhP 5,000/USD 100 benefit benefit benefit
Type of HI rider benefit Required Optional Optional Optional
Mode of payment Follows basic
Premium payment term Follows basic

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 basic annual premium
Age 50 to 59 - 15 times of the basic annual premium
Age 60 to 70 - 10 times of the basic annual premium
Maximum sum assured 100% of basic sum assured
Mode of payment Follows basic
Premium payment term Follows basic

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 50% of basic sum assured 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. Afterwhich, the rider bundle will become PA-Standard.

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Personal accident rider PA - Accidental PA - Accidental PA - Field PA - Murder and
benefits Death and Total and Trip Assault
Disablement Permanent Coverage (PA-M&A)
(ADD) Disability (PA- (PA-FTC)
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 proven to have
180 days from totally and field trip, suffers been murdered or
date of accident permanently injury resulting to is assaulted
or a percentage of disabled within death due to without
sum assured 180 days from accident provocation on his
based on a table date of accident part or 50% for
of disability attempted murder
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
Maximum sum assured 500% of basic sum PhP 100,000/ PhP
assured or PhP USD 2,000; 1,000,000/USD
9,940,00 / USD 20,000; whichever
198,800; whichever whichever is
lower is lower
is lower

Personal accident rider PA - Dangerous PA - Double PA - Accidental PA - Renewal

benefits Sports Coverage Indemnity (PA-DI) Medical Bonus
(PA-DSC) Reimbursement (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 due to accident of the PA rider by 5%
bodily injury or to accident while life insured for up to
dies while travelling as a whether as an in- maximum of five
engaging in ticketed or patient or out- (5) years
dangerous sports officially listed patient medical
as an amateur passenger in expenses; capped
commercial at the benefit
modes of amount of the
transportation 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 assured sum assured or PhP PA-ADD and PA-
PhP 2,500,000 or 400,000/ USD ATPD coverage
USD 50,000; 8,000; whichever is annually on the
Maximum sum assured whichever is lower lower anniversary of these
benefits for the next
five (5) years

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 Waiver of Premium Benefits Waiver of Premium Life Care Waiver (LCW) Payor Waiver of
Benefit due to TPD Regular Premium
(WPTPD) Benefit
(Payor waiver)
Waives all future regular Waives all future regular Waives all future
premiums due to total and premiums due to critical regular premiums due
Benefit
permanent disability illness 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 25
Coverage Up to age 60 Up to age 70
Payor: Up to age 60
Minimum sum assured Not applicable Not applicable Not applicable
Maximum sum assured Not applicable Not applicable Not applicable
Mode of payment Follows basic Follows basic Follows basic
Premium payment term Follows basic Follows basic Follows basic

IX. PAA Plus Packages

Accidental Death
Life Care Benefit or Life Care Multiple Life Hospital
Packages and Disablement or
Life Care Plus Advance Plus Care Plus Income
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
*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 when a policyowner withdraws the whole amount of his/her accumulated fund value
within the policy benefit term. This will result to the termination of the policy.

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

Premium redirection – is when you change the proportions of the funds in which your regular premiums are
being invested.

Top up – is an additional payment on top of your 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 requirements, 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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