PRU Zink Assurance Ac POLICY CONTRAGT 4 fede PRU LIFE UK. he lus iota i,PRU LIFE INSURANCE CORPORATION OF U.K. ‘Address: 9/F Uptown Place Tower 7 1 East 11th Drive, Uptown Bonifacio 1634 Taguig City, Philippines Office trunkiines: (+632) 683-9000, (+632) 884-8484 TIN: 004-661-494 Dear PRUPolicyholder, Welcome to the company that believes that only by listening can it truly understand your needs! Allow us to thank you for entrusting your future to Pru Life UK, the wholly-owned subsidiary of Prudential ple, the leading life insurance company in the United Kingdom. As one of the more established ‘companies in the this field in the world today, Prudential pic is backed by more than 160 years of listening ‘experience and over £363 billion in funds under management worldwide as of 20 June 2012. ‘As a valued PRUPolicyholder, you will now be a part of a legacy of listening that has seen us carrying a trademark of excellence since 1848. Should you have any inquiries about your policy, or any other matter that concerns your future, we are always ready to listen to you. Call us at telephone numbers (+63 2) 884-8484, (+63 2) 887-LIFE (887-5433, within Metro Manila), 1-800-10-PRULINK (1-800-10-7785465 domestic toll-free) or pay us a visit at the branch nearest you. We have committed ourselves to be the company that is here to take the risk out of people's lives and with you as a PRUPolicyholder, you can rest assured that you have found a company that is going to be here for you today and in the years to come. Your future, and more importantly, your family’s, is now secure. Sincerely yours, fel R. Mabalay sebfor Vice President and Chief Operations OfficerT5/ PRU LIFE UK. POLICY BOOKLET PRULINK ASSURANCE ACCOUNT PLUS PRULINK PROTECTION PLUS PESO CURRENCYeye PRU LIFE UK. PRU LIFE INSURANCE CORPORATION OF U.K. ‘Address: 9/F Uptown lace Tower 1 1 East 1th Drive, Ustown Bonifacio 1634 Taguig City, Philippines Office trunklines: (+632) 683-9000, (+632) 884-8484 TIN: 004-661-494 The Insured, named in the altached Policy Data Page, has contracted with PRU LIFE INSURANCE CORPORATION OF U.K. (eferred to the subsequent pages as the ‘Company’) for an insurance on the terms and conditions set forth inthis Policy and Con the basis of the application of the Insured/Policy owner and any supplementary contract for the insurance. ‘The Company shall pay the Insured/Policyowner or his beneficiaries or his executors the benefits provided under this Policy on. the event upon which such benefits become payable, subject to conditions stated in this Policy. “This contract includes this page and all the subsequent pages of this Policy and is hereby executed at the Head Office of the ‘Company on the Policy Effectvity Date. sebfor Vice President and Chief Operations OfficerTaBLe Or ConTENTS 1. Our AcREEMENT 4 2. Wnat Benerits Are OrreReD? 5 3. How Does Your Poticy Work? i 4, What Tyee Or Funps? 9 5. Payment Or ReGutar Premiums 10 6. How Do We Bit You? | bie 7. Wuat Can You Do On Your Poticy? 12 8. Loyacty Bonus BENEFIT 16 9. Death BeNerir 17 10. AccELERATED ToTat AND Permanent Disasitity BENEFIT 18 11. Waiver Or Premium On ToTat And Permanent Disasitity 20 12. Accipentat DeatH ANp DisaBLemMeNT BENEFIT 22 13. AcceceraTep Lire Care BeNeFiT 25 14, Personat Accipent RIDER BENEFIT 28 15. Hospita Income RIDER 38 16. Lire Care WaIveR 45 17. Payor Waiver Or REGULAR Premium BENEFIT 48 18. GUARANTEED INSURABILITY OPTION aa 50 19. OTHER GENERAL ConpiITIONS 51 20. GeneraL DEFINITION OF TERMS 53 21. DEFINITION OF CriticaL ILLNESSES ‘ST 22. IMPORTANT Notice 63Your Policy is only complete if you have this Policy Booklet and a Policy Data Page. Entire contract you/ your - means the Policyowner shown on your Policy Data Page we/us/our - means Pru Life Insurance Corporation of U.K. Cooling Off Period 44 12 Our AGREEMENT ‘Your Policy is a legal contract between you and us. We agree to give you the benefits sot out in your Polcy Data Page as explained inthis Policy Booklet forthe regular premiums paid by you. ‘The Application for PruLink Insurance, the Pokcy Data Page, the Sales Ilustration Form and this Policy Baoklet constitute the entire insurance contract. Any Form and Application Form for Top-Up, Fund Switch, Withdrawal, Premium Redirection, Inerease/Decvease In Regular Premium or Inccease/Decrease in Sum Assured which may be Issued during the ife ofthe Polcy also becomes part ofthe entre insurance contract, “The information you gave us in your Application Form, any Form and any correspondence for this Policy were raed on by us in deciding whsther or nat to insure you. Your Policy Data Page indicates the Ptan that you have. Your policy will be void If your age at the Policy Etfectivity Date is less than eighteen (18) years, Your Policy is only for the benefit and the period shown on your Policy Data Page. Iis also subject to the torms and conditions contained in this Policy Booklet Your policy is governed and interpreted according to the laws of the Republic of the Philippines. We give you 2 new Policy Data Page whenever your Policy Is changed. It becomes your current Poicy Data Page. Only the President, Senior Vice Prosident, or our officers duly authorized in writing by ‘the Board of Directors have the authorty to modify this Policy Booklet. Any euch medication ‘must be in writing and duly signed by the authorized officer, We give you a period of fiteen (15) days in which you can review the Policy. This i called a cooling of peri. If you decide that this policy is not suitable for your needs, simply return this Policy Booklet with your Policy Data Page to us within fifteen (15) days trom the date you received them, We will refund the regular premium you paid in ful Your poli is coneidered delivered and received thre (3) days from the date of Traneaction Confirmation Advice for Metro Manila adérass, and five (5) days from the date of Transaction Confirmation Advice for provincial address.Premium Payment Term ‘Sum Assured Core Benefits 2 24 22 23 24 PRU LIFE UK. WHAT BENEFITS ARE OFFERED? Yur Policy's Premium Payment Term le the Max Yeare Payable (Regular Premium) indicated in your Policy Data Page. ‘Tho Sum Assured corresponds tothe Basic Cover shown in your Policy Data Page. Sum assured may be purchased up to specified multiples of the annuslized regular premium, subject te minimum and maximum limits that vary by age and plan, ‘We provide a death benefit forthe Life Insured equal othe following Sum Assured, plus {The value of your units inthe Policy, plus 125% of all topups less 125% of al withdrawals on the top-up unit NNotwitnstanding the provision above, in the event that all your withdrawals exceed all the top-up, we pay: '» Sum Assured, plus {© The value of your units in tho Policy. ‘The value of units is assessed at the next pricing date following the date of death ‘Any policy debt is deducted from the death benefit, child's len sin effet, as follows, applicable to the Sum Assured portion ofthe death benef. Age at Death —% of Sum Assured 0 10% 1 20% 2 40% 3 60% 4 80% “The foregoing chilis tenis also applicable to the death benefit corresponding o the top-up. ‘We provide an accelereted cisablly benefitin the event that the Life Insured becomes totaly and permanently disabled before the policy anniversary immediately following his seventetn (70") birthday. We advance a spectied percentage ofthe sum assured up to a maximum of ‘one hundred percent (100%). The sum assured will be reduced by any claim on Total land Permanent Disabil. ‘Any policy debt is deducted from the Accelerated Total ang Permanent Disabilly benefit25 26 Optional Benefits 27 You may not have asked for all the Optional Benefits when you took ‘out the policy, or your needs and | circumstances may have changed. Itis easy to add any of them to your policy. See Section 7.1 and contact your agent. For polices with Premium Payment Term greater than ten (10) years, a Loyalty Bonus of ten percent (10%) of the Regular Premium is allocated to your Policy staring on year elaven (11) through the end of your Policy's Premium Payment Term or through year twenty (20), if earlier, provided that you pay your Regular Premiums for the first ten (10) years and You continue to pay all Regular Premiums thereafter as they fall due, The ten percent (10%) ‘Loyalty Bonus allocation is credited to your Policy, during the specified period, as ong as the Company receives the Regular Premiums as they fall due. Ifthe Life Insured is alive on the Policy Maturity Date, we wil pay you the value of your units in the Policy. \We use the unit price atthe next pricing date following the Policy Maturity Date to determine the value of your unis inthe policy ‘The following benefits may be added i the Life Insured is within the following age lite: renee Canurs ere et reg ‘Accidental Death and Disablemont 5-65 ‘Accelerated Life Care Benefit 18-60 Life Care Waiver bs 18-56 niigiat ‘565 (Sub-limits apply ane Personal Accident Rid ‘may vary by benef) Hospital income Rider 78-54 Waiver of Premium on Total and 18-59 Permanent Disabiity Payor Waiver of Regular Premium O17 ‘Guaranteed Insurabilty Option 0-37 For Payor Waiver of Regular Premium, you, the Policyowner, should be at least eighteen (18) years of age as of last bithday and not more than age fiy-nine (58), at the time the. benefit is added to your Policy. ‘Any policy det s deducted from the Accidental Death and Disabloment benefit Accelerated Life Care beneft, Personal Accident Rider benefit and Hospitel Income Rider benefit ‘Your Policy Data Page shows the sctual benefits that you have on your policy.3 34 Unit funds 32 Buying of units 33 in the fund Example | Every Thursday of each week is a pricing dat if we receive your regular premium before 12:00 noon | ‘on Monday, we use the price in the following Thursday to buy units into your policy. Ifwe receive your Regular Premium after 12:00 noon | Monday, we use the price ‘on Thursday of the following week. PY How is the fund valued? 3.4 PRU LIFE UK. How DOoEs YouR POLICY WORK? \wmen you apply for your palcy, you decide on the amount of regular premium that you want to pay. The annualized regular promium must be equal o or more than the minimum amount Wwe specty at the time of application. We reserve the right to increace or decrease tho ‘minimum amount of Regular Premium payable. ‘You also decide on the Mode of your Regu Premium payment. We reserve the right not to ‘accept that portion of the Regular Premium which exceeds the maximum acceptance limit of \We show your Modal Regular Premium on your Policy Data Page You can choose to invest in any of the funds that we offer for investment. A description lof each fund offered can be found in Section 4 of this Poley Boke. When you apply for your Policy, assuming that the funds are available, you must ‘choose whether you went: (a) allyour Regular Premiums to be invested in one (1) ofthe funds; or (&) your Regular Premiums tobe invested in more than one (1) fund ‘Your Regular Premiums are used to buy units in the fund or funds you have chosen, We assign the units to your Policy. The unit price depends on the timing whan we receive your Regular Premiums. ‘Tho dato whon the price is changod is known as the pricing date. If we re Regular Promiume: (2) before 12:00 noon three (8) days before the pricing dat that pricing date; or (©) after 12:00 noon three (3) days before the pricing date, we use the unit price on the next pricing date. eive your reuse the unit price on ‘The Regular Premium Allocation Schedule shown in your Policy Data Page shows the percentage of your Regular Premium that is invested in a particular year. We value oach fund once a week. We may value each fund more frequently as we consider appropriate, Each fund is divided into units of equal value, The unit price is calculated as the value ofthe Fund, net ofthe Annual Management Charge (see Section 3.6), divided by the total numiver ‘of -units Inthe fund. “The value of a fund isnot lees than: (2) the total of () the amount for which the investments of the fund could be sold on the day before the pricing date less the costs of selling the investments; and (il) the value of is other assets lass expenses; less: (0) the total of (0) ts lables, out-goings, costs, fees and charges; and (il) continuing investment charge. “The unit price is calculated to five (5) decimal pointsCharges 35 Front-end charges Annual 36 Management Charge Charges are deducted monthly from your account by selling the number of units equivalent to the amount ofthe charges. Policy Fee. This is used to cover administrative expenses. The amount of policy fee I stated in your Sales tlustraion Form. Insurance Charge. This is used to cover the cost of providing the sum assured in the event the Life Insured dies or a portion of the sum assured in the event the Life Insured becomes totaly and permanently disabled. The rate varies according to the age of the Life insured at each biling date. Your inltial insurance charge is stated in your ‘Sales llustation Form. This charge also includes the cost of Insurance taxes due on this poly. Rider Charge. This is used to cover the Optional Benefits chosen by you. Similar to insurance charge, the rate varies according to the age of the Life Insured at each biting date, Extra Charge. Any extra charge is used to cover the increased mortality or ‘morbidity associated withthe risk the Company is exposed to, The rae varios by age ofthe Life Insured and the substandard risk class where the Life Insured is classified \When the unit price is calculatod, we will deduct from the fund an Annual Management ‘Charge (AMC). The current AMC at the time of your application is stated in your Sales Mustration form. We reserve the right 1o adjust the AMC up fo a maximum as spectied in the table below, ‘but wil not do so without giving you sic (8) months’ notice, Fund Maximum Al Prutink Bond Fund 2.00% PruLink Managed Fund 2.00% Prutink Growth Fund 250% We reserve the right to determine the AMC levels on the new funds we wil introduce in the future44 What funds are available for your policy? How do you know 42 what fund your policy is linked to? PRU LIFE UK. Wuat Type Or Funps? “The folowing separate funds ere available fr this policy: ‘2) PRULink Bond Fund — seeks to achieve an optimal level of income in the medium term together wih lang term capital growth through investments in fixed income secures and money market instruments b) PRULInk Managed Fund — seeks to optimize medium to long term capital and income growth through investment in fixed income securities, money market instruments and shares listed on the Philippine Stock Exchange. ©) PRULink Growth Fund ~ seeks to optimize medium to long term capital and income growth, wth an emphasis on strong capital growth, through a greater focus of investment in shares of stocks listed in the Philippines. The fund also invests in fixed income securities, and money market instruments, ‘We may introduce new funds in the future to give you a wider choice of investment. 'We have sole discretion in determining how the funds are invested and the forms of investment. Our investment policy has been approved by the Insurance Commission. No change in our investment policy will be done without the prior approval of the Insurance Comission. Your Policy Data Page shows you the fund where your Policy is linked,Your obligation 54 Failure to pay - units 52 jin your account Failure to pay- no 53 units in your account Payment OF Recutar Premiums Your Policy Data Page shows the date your fst Regular Premium is due, the amount ‘of Regular Premium and the frequency (Mode) of Regular Promium paymonts. You must pay us the first Regular Premium before the Policy Effectiviy Date. Thereafter, you must pay us ‘the Regular Premiums within tht one (31) days ofthe date they are due. We send you a nouce when your Regular Premium is due. However, you must ensure that your regular premiums are paid on time even f you do not receive the notice \We send you a reminder notice if your Regular Premium isnot received by a particular date However, you must ensure that your regular premiums are paid within thity one (31) days after they are due even if you do nat recsive the reminder notice, It you fall to pay a Regular Premium when due or you discontinue paying Regular Premiums ‘and there are sufcient units in your account, your polcy automatically continues at the same ‘sum assured for the same benefits, \We continue to bil you forthe charges and the costs of providing you the same benefits We send you a reminder notice before your units become insufficient to pay forthe charges. When there are insuficient unis in your account, your policy terminates immediately onthe day the charges are due. We refund to you the value ofthe Insufficient units. If you fall to pay a Regular Premium on time and there are no units in your account, your Policy terminates immediately when the unpaid premium is not received within ‘ity - one (81) days fom the day the Regular Premium is due.ene gO erey Charges Right to vary charges 6 61 62 How Do We Bit You? From the first Regular Premium due date of your policy and every month thereafter, ‘we bill your account for a policy fee, insurance charge and other costs of providing you ‘the Core and Optional Benefits. We create a palicy debt corresponding tothe monthly charges. while there arene unis in your account provided you pay the Reguiar Premiums on tme, and there are no withdrawals made from your account, under Sections 7.11end 7.12, ‘The policy debt 's accumulated in your account without interest ‘At each month whan there ara units in your account, we use the uni price atthe next pricing dato to soll proportionate units fram all the funds to pay for the policy debt, policy tee, ineurance and rider charges and other applicable charges. ‘We wil terminate your policy i ther i insufficient unit value to pay for tha policy dab, policy fee, insurance and rider charges and other applicable charges. However, wo will not terminate your policy on account of an outstanding policy debt during te frst four (4) years from the Policy Effectvity Date, provided you pay the Regular Premiums on time and there are no withdrawals made ftom your account, under Sections 7.11 and 7.12, ‘We reserve the right to vary the policy fee, insurance and rider charges but not more then the ‘amounts shown below. However, we wil give you six (B) months’ notice before doing so. fete cece Policy Fee | PhP 100.00 Insurance and Rider Charges PhP8B.00 per 1,000 of each sum ‘assured or Bene amount Death bonofit, Accelerated Total ‘and Permanent Disability benefit, ‘Accidental Death and Disablement benefit, Accelerated Life Care Benefit PhP88.00 per 1,000 of each benefit amount Personal Accident Riser Hospital Income Rider Dally Hospital Income Beneft, Intensive Care Unit Benefit Long-term Hosptaizaion Bono _ Surgical Expense Beneft | Waiver of Premium on Total and | Permanent Disability, Life Care | Waner Payor Waiver of Regular Premium PhP32,100.00 per 1,000 of each ‘benefit amount PhP29,400.00 per 1,000 of benefit ‘amount PHP88.00 per 1,000 of beneft amount PhP7.200.00 per 1,000 of regular premium PhP2,200.00 per 1,000 of ragular promium “The insurance charge increases with the increase in the sum assured or beneft amounts), ‘The increase in sum ascured or benefit amount(s), a8 well a8 any increase in tho Regular Premium as result of the change in sum assured or benefit amount(s), if any, will be reflected on your new Policy Deta Page. To increase your sum assured or any benefit amount, you must use our appropriate application form and meet the conditons stipulated on i. We wil notify you if we accept your applicationnena Oe oes ‘ia Add an Optional Benefit Change you regular premium direction ‘Switch from one fund to another FX 72 13 What Can You Do On Your Poticy? Anytime after your policy is issued, you may apply for eny ofthe following services on your Policy. ‘You may ad an Optional Benefit to your Policy at any time it ‘© the healt ofthe Life Insured is acceptable by us; ‘© the Life insured is within the ago mits; and ‘the Policyowner ie within the age limita, f applicable We require you to pay an additional regular premium corresponding to the benefit ‘amount chosen by you for your optional benefits) To add a Beneft, you must use our appropriate application form and meet the conditions stipulated on t. We will notty you if we accept your application [At any time, you can ack us to change the proportions in which your regular promiums ‘are being invested, You can only change in multiples of five percent (5%) and inte the funds that are currently availabe. We wil effoct the change on your next regular premium payment. To make @ change, you must use our appropriate application form and meet the Conditions stipulated on i, We will notty you if we accept your application. You can ask us to switch the unts from one fund held in your Policy 10 oth are avalladie. funds that ‘The minimum amount you can switch out of a fund is currenty PRP 10,000. The remaining Unis inthe source fund must be worth atleast PhP20,000 based on the unit price atthe time of switching. IFnot, you must switch al the units out of the fund. ‘To make the Switch, we sell your units inthe old fund at the unit price of that fund and buy units inthe new fund at is unt price ‘The switch occurs on the next pricing date following aur receipt of your application to ewiteh The unit prices used inthe selling and buying of units will be the unit pricas on this pricing date You shall be granted one (1) free switch per policy year. you wish to make another switch thin the year, you wil be charged a switching fe of one percent (1%) of the amount switches. ‘The switching fee is deducted from the proceeds of the sale of the originating fund's Units. After deducting the switching fee, the remaining amount willbe used to buy units Into the fund where you want to switch. ‘To apply, you must use our appropriate application form and meet the conditions ‘stipulated oni. We will notify you if we accept your application.Increase your regular premium Reduce your regular premium Top-up TA 75 76 3108 a =O) Greens You can increase the amount you pay as regular premium at any time as long as the Life Insured is under age sixty (60) and regular premiums are not waived due to an approved claim on Life Care Waiver, Walver of Premium on Total and Permanent Disability or Payor \Walver of Regular Premium. The increase Is treatad as naw regular premium and Stars from the date your next regular premium s due. After thal, you pay the inereased regular premium every time your regular premium falls due. The percentage of the new regular premium invested under the Policy shall be based on the Regular Pramium Allocation Schedule shown in the Policy Data Page, with the years counted from the date the first new regular premium is due. | you increase your regular premium, you may or may not choose to increase the sum assured. However, if your current sum assured is less than five (5) times your new ‘annualized regular premium, we wil automatically increase your sum assured to that amount, ’An accompanying increase in the sum assured as a result ofthe change in regular premium wil be reflected on your new Policy Data Page. To increase your regular premium, you must use our appropriate application form and meet the conditions stipulated on it. We wal notify you if we accept your application. Your Transaction Confirmation Advice shows how much of your new regular premium in ‘ particular year is used to buy units, You can reduce the amount you pay as regular premium but the reduced amount must bbe equal fo or more then the minimum amount we specify. The reduction starts from the date your next regular premium is due. After that, you pay the reduced regular premium every {ime your regular premium falls due. Reduction of regular premium is allowed only beginning on the second policy year you reduce your regular premium, you may or may not choose to reduce the sum assured for any of the benefit amount(s). An accompanying reduction in the sum assured or benefit amount(s) 2s a result ofthe change in regular premium wil be efiected on your new Policy Data Page. To reduce your regular premium, you must use our appropriate application form and mest the conditions stipulated on it. We wil naiy you fwe accept your application, You can make an adaltional one-off payment (called top-up), subject to Company’ rules and regulations, if the Life Insured is within tho acceptable ago limits. Wo provide the Lif Insured with a doath benefit of one hundred twanty five percant (125%) of your top-up. If you make a withdrawal onthe units from your top-up, we deduct one hundred twenty five percent (125%) ‘of the withdrawal amount from the death benefit corresponding to the top-up, “The amount deducted wil nat exceed one hundred twenty five percent (125%) of te top-up. When you apply for your top-up, provided that the funds are available, you must choose whether you want: 2 all your top-up o be invested in one (1) ofthe funds; or your top-up tobe invested in more than one (1) fund. “The minimum top-up amount is PRP20,000. We reserve the right not to accept that portion of, the top-up which exceeds the maximum acceptance limit of our reinsuer. “The price used to buy units depends on the timing when we receive your top-up. Ths price is determined in the same way as the price used in your regular premium. This is explained in ‘he last paragraph of Section 3.3 ofthis Policy Booklet,PRU LIFE UK. = bey ; Increase your Sum Assured or benefit amount(s) Reduce your ‘Sum Assured or benefit amount(s) 11 78 For each top-up, we bill our Policy forthe costs of providing the additonal sum assured duc 1 top-up and an inital charge specified in your Sales Ilustraton form. We will deduct the ‘costs of providing you the sum assured by seling proportionate unis from all your fund ‘equivalent to the insurance charge. it you are required to pay extra for medical, occupational ‘or hazardous activites, this will be added to the costs. Every month thereafter, wo use the unt pice atthe next pricing date to sell proportionate tunis rom all your funds to pay forthe costs of providing the sum assured. We dotermine the costs after aking into account the ineurance rates then in use and the age ofthe Life Insured at each biling, ‘To make a top-up, you must use our appropriate application form and meet the conditions ‘stipulates on I. We will notify you if we accept your application. ‘You are not allowed to make a top-up if you fall to pay any ofthe regular premiums due during the fits tree (3) years of the policy. Any top-up made during this period willbe used fist {pay any regular premiums in arrears and the reguler promium due. Any remaining amount, ‘within the minimum top-up requirement, will be used as top-up. Otherwise, the excoss ‘amount wil be returned to you. ‘You can increase the Sum Assured othe benefit amount(s) shown on your Policy Data Page ‘once every policy year up tothe maximum allowable fr the attained age ofthe Life Insured, {2 long as the Life Insured is under age sixty (60). ‘You must give us satisfactory evidence ofthe health ofthe Life Insured at your own expense. “The insurance charge increases with the increase in the Sum Assured or benefit amount(s) ‘Any increase in Sum Assured or benefit amount(s) will be reflected on your new Policy Data Page, ‘To increase your Sum Assured or any benefit amount, you must use our appropriate application form and meet the condiions stipuiated on it. We willnotfy you if we accept your application. You can reduce the Sum Assured or the benefit amount(s) shown on your Policy Data Pago at any time, The sum assured or any ofthe benefit amount(s) should not be less than the famount we specify a the time of your application to reduce the sum assured or benefit ‘amoun(s). You can do this only once every policy year ‘You cannot reduce your Sum Assured during the fst policy year. ‘The insurance charge, rder charge, and extra charge decrease with any reduction inthe sum ‘assured or benefit amounts) To reduce your sum assured or any benefit amount, you must use our appropriate application form and meet the conditions stpulated oni. We will nity you ifwe accept your application,Resume your regular premium payment Reinstate your Policy Partially withdraw your Policy Fully withdraw your Policy 79 7.10 71 TAZ PRU LIFE U.K. | your potiy is stil in force or has suficient units, you may resume your Regular Premium payment by © paying all he required regular premiums; or ‘© paying the current regular premium without paying back the regular premiums in ‘The period where no Regular Premiums are paid Is called premium holiday. Ths facil is allowed only after paying tity six (36) months of Regular Premium, ‘To apply, you must use our appropriate application form and meet the consitions stipulated Cn it We wil not you Ifwe accept your application. 1 your Policy terminates due to non-payment of Regular Premiums or insufficient units, you ‘may apply 0 reinstate ti ‘you apply within thity si (26) months from the termination date of your policy, and « the Life Insured is under age soey (60); and © you give us satisfactory evidence of the health of the Life Insured at your own expense. ‘You have two (2) options in reinstating your Policy: £8) You may pay allthe required Regular Premiums in arrears. The Company reserves theo right to charge interest on overdue Regular Premiums. The expity date ofthe Premium Payment Term is unchanged; or ) You may start paying the current Regular Premium without paying any of the ‘overdue regular premiums. ‘To apply, you must use our appropriate application form and meet the contions stipulated Cn it We wil notiy you if we accept your application. ‘Once your Policy has a withdrawal value, you can apply for a pertial withdrawal ‘at any time by asking us to sell some of the unis allocated to your account. You can make a Panta! withdrawal in one or more ofthe funds in your policy. “The price used to sell units depends onthe timing when we receive your application fo partial withdrawal. This price is detormined in the same way as the price used in your Rogular Premium. This is explained in the last paragraph of Section 3.3 of this Policy Booklet ‘The minimum amount of partial withdrawal is PHP10,000. If the total value of units in your Policy is less than PhP20,000, then your policy wil have tobe fully withdrawn. ‘To apply for paral withdrawal, you must use our appropriate application form and meet the conditions stipulated oni. We will notify you if we aecept your application, ‘Once your policy has a withdrawal value, you can apply at any time to fully withdraw your policy. \We pay you the ful withérawal value by selling all the units in your policy after accepting your application. The price used to sell units depends on the timing when wo receive your ‘pplication for fll withdrawal. This pic is determined in the same way as the price usd in your Regular Premium. This is explained in the last paragraph of Section 3.3 of this, Policy Booklet. When we pay you the ful withdrawal value, you must submit his Policy Booklet together with yur Policy Data Page. Your policy wil then be terminated ‘To apply, you must use our appropriate application form and meot the consltions on it. We will notify you if we accept your application.What do we pay? at When will we not pay? 8.2 When will the a3 Benefit terminate? Loyatty Bonus BeNnerit ‘After you pay Regular Premiums for ten (10) years and you continue to pay all Regular Premiums thereafter as they fall duo, wo will allocato an additional ten percent (10%) of every Regular Promium you wil pay starting on the eleventh (11%) year through the fend of your Premium Payment Term or through year twenty (20), eater ‘Similety, after you pay for ten (10) years any increase in Regular Premium under Section 7.4 and Section 7-7. and you continue to pay said increase thereafter as it falls due, we wil allocate an addtional ten percent (10%) of said increase which you paid from the eleventh (11") year through the end of your Premium Paymant Term or through year twenty (20), i eater, counting from the date te increase was fst paid Your Transaction Confirmation Advice shows the amount of Loyalty Bonus allocated to your Policy and how much of your Loyalty Bonus in a particular years used to buy units. [No Loyatty Bonus wil be allocated in any of the folowing circumstances: * ona topup thats paid or Rogular Premium isnot pai or all withdrawals made exceed all op-ups paid; or ‘on Regular Premiums received ater policy year twenty (20); or ‘© when you reduce your Regular Premiums, as provided for under Section 7.6. ‘The Benefit terminates: in the event of death ofthe Life Insured: or © wmen an Accelerated Total and Permanent Disability claim equal the Sum Assures is paid or ‘= when an Accolerated Life Care Benefit claim equal to the Sum Assured is paid; or = when the Policy to which thie benefits attached i no longor in force,PRU LIFE UK.37 9; What do we pay? ot How to make a claim? 92 What happens 93 after a claim? DeatH BeneriT Ifthe Life Insured shown inthe Policy Data Pago tobe covered for this Benefit dies, we pay: * the Sum Assured: and the value of your units in the policy, and © 125% ofall top-ups less 125% of al withdrawals onthe top-up units, [Notwithstanding the provision above, inthe event that all your withdrawals exceed all he top-ups, we pay: ‘+ the Sum Assured; and * the value of your units in the Polio. [Any policy debt is deducted from the death benef. To claim for the death beneft under this Policy, you or your claimant must send us the following documents as soon as practicable: ® the claimants statement: the attending physician's statements) the original death certicate ots carted tua copy: bith or baptismal certificate ofthe Life Insured and primary beneficlary(ies); and this Policy Booklet together with your Policy Data Page. We reserve the right o ask you or your claimant to provide at your own expense more documents or evidence to help us assess the claim. Your whole Policy automatically terminates once @ claim for this Benefit is paidWhat do we pay? What is total and permanent disability? What is not covered? How to make a claim? 10. 10.1 10.2 10.3 10.4 ACCELERATED ToTAL AND PerMANeNT Disasitity BENEFIT Iv the Life insures shown on your Policy Data Page to be covered for this Benefit ‘becomes totally and permanently disabled due to bodily injury or disease before the policy anniversary Immediately following his seventioth (70%) birthday, we pay the ‘Accelerated Total and Permanent Disatilly benefit as shown on your Policy Data Page. ‘Any policy debt is deducted from the Accelerated Total and Permanent Disability Benefit IF the Life Insured is working at the time of disablement, disability is considered total {and permanent when the Life Insured is prevented from engaging in any occupation or from performing any work for compensation or profit. The disability must be present and must hhave existed continuously for not less than Six (6) consecutive months. Complete and irrecoverable loss of sight of both eyes or the total and permanent loss by removal or disease of bath hands or both fet, or of one hand and one foot are considered 2 lotal and permanent disabily IF Life Insured is not working atthe time of disablement, disability is considered total and permanent when the Life Insured is permanently unable to undertake without assistance three (8) or more ofthe activites of dail ving as defined in Section 20, ‘The disabilly is said to be permanentifits beyond the hope of recovery with current medical knowledge and technology. No payment will be made in any ofthe following circumstances: '* pregnancy, childbirth, or abortion oF miscarriage or complication thereof; Psychiatrie disorders, drug or alcohol abuse: Injuries or illness due to military service or sutfered under con: whether declared or not, insurrection, rebellion, of mutiny * intentional selt-nficted injuries or illness caused by attempts et suicide, or incurred 28 a result of or while participating inthe commission ofa crime; + engaging or taking part in driving or riding in any kind of race, professional sports or hazardous sports, underwater activities involving the use of bre ‘apparatus, fying or aerial actviies other than as fare-paying passenger; and * AIDS or AIDS-related complex lone of war ‘You must send us the following documents as soon as practicable: © the claimant's statement; the attending physicians statements) © 2 modical certificate from the physician showing the doctor's name, dato of Consultations, confinement dates, the diagnasis/prognosis and the treatment! ‘medication givens * complete medical records, laboratory end diagnostic procedures and biopsy report showing history of liness and test results; '* your current Poicy Data Page; and ‘© our Policy Booklet, if claim results in termination of Policy. We reserve the right to ask you to provide at your own expense more documents or evidence tohelp us assess the vaidy of the ciaim. \We may also require the Life Insured to undorgo a mecical examination in connection with the claim with one o two of our designated physiciane at our awn expense,What happens after a claim? When will the benefit terminate? 10.5 10.6 PRU LIFE UK. IW the Accelerated Total and Permanent Disabilly claim Is less than the Sum Assured the policy continues at a Sum Assured equal to the original Sum Assured less the ‘Accelerated Total and Permanent Disability benefit pad you have an Accidental Death and Disablement benefit, Personal Accident Rider bene), ‘of Hospital income Rider benefi(), the eaid benefi’s) continue and are not affected by any claim on Accelerated Total and Permanent Disabil. It you have an Accelerated Life Care benefit, the Benefit continues but if the Benefit ‘amount exceeds the new Sum Assured, the Accelerated Life Care benefit amount 'srecuced to the now Sum Assured. lone hundeed percent (100%) ofthe Sum Assured is advanced by the Accelerated Total and Pormanant Disability claim, the policy automaticaly terminates and the value of units is immediately pad out “The benefit terminates: ‘+ on the policy anniversary immediately following the seventieth (70%) birthday of the Life Insured: of «inthe event of death of the Life Insured; or when an Accelerated Life Care benefit claim equal to the Sum Assured is paid: oF ‘© wren The Policy to which his Benefits attached is no longer in force.What do we pay? Le nA 12 Waiver OF Premium On ToTAL Ap PERMANENT DisaBILITY “This section applies only if you have a Waiver of Premium on Toal and Permanent Disability as indicated in your Policy Data Page. I the Life Insured shown on your Policy Data Page to be covered for this benefit becomes totally and permanently disabled due to bodily inury or disease before the policy anniversary immediately following his sitieth (60°) birthday, we waive all future Regular Premiums of your Policy falling due after the commencement and during the ‘continuance of such total and permanent disabity ‘Total and Permanent Disabilty is as defined in Section 20. Ifthe Life Insured is working at the timo of disablement, disability is considered total {and permanent when the Life Insured is prevented from engaging in any occupetion or from performing any work for compensation or profit. The disabilly must be present and must have exisied continuously for not ess than six (6) consecutive months, during such time you ‘are required to keep the Policy in force, We shall not waive the payment of any premium which has been due for more than ‘x (6) months prior to the commencement of such total and permanent cisability, In such case, you shall be liable for any premiums in default, including interest, for such 2 period Future premiums which will be waived will be based on the regular premium at the ume Cf approval of the Waiver of Premium on Total and Permanent Disabily aim. “This benef does not entitle you to the recelpt of premiums in the event that a claim on this Benefit also tiggers a ciaim onthe Life Care Waiver. The total amount of bones that can be ‘aimed under the Waiver of Premium on Total and Permanent Disabil and Life Care Waiver ‘attached to this Policy shall not exceed one hundred percent (100%) of the promium payments due. “This Benefit does not waive future top-ups. It this policy is on premium holiday atthe time of disablement, the allocation of future regular premiums which will be walved in the event a Waiver of Premium on Total and Permanent Disability claim is approved shall be based on the Regular Premium Allocation Schedule shown in the Policy Data Page, continued from the time the last regular premium due was paid “The Weiver of Premium on Total and Permanent Disability benefit can ony be attached if the ‘Accelerated Total and Permanent Disablty benefit is less than one hundred percent (100%) ff the Sum Assured, We may, at any time, require due proof of continuance of such total and permanent disabilty ‘and may also, a any time, require the Life Insured to undergo a medical examination By one fr two of our designated physicians. However, should such total and permanent disability continue for a period of two years, we will not require such proof of ‘examination more than once in each othe following years of continuance of such dsabilly. ‘Should the Life Insured fall to submit to such examination, or if, on request, proof is rot furnished, or the Life Insured recovers as to be able to engage in any occupation (or perform any work for compensation or prof, all future premiums fling due must be paid 2 originally provided inthe Policy. if and when the Life Insured recovers from such dsabilly, Yyou agree to give immediate noice to us.What is not covered? How to make a claim? What happens after a claim? When will the benefit terminate? 1.3 4 16 PRU LIFE UK.32/ No payment under this benefit wil be made in any of the following circumstances: ‘© pregnancy, childbirth, oF abortion or miscarriage or complication thereof: ' psychiatric disorders, drug or alcohol abus © Injuries or illness due to military service or suffered under conditions of war whether declared or no, insurrection, rebelion, or mutiny: © ‘Intentional seltnfcted injuries or liness caused by attempts at suicide, or inured 228 a result of or while partiipating in the commiscion ofa crimes © engaging oF taking part in driving or riding in any kind of race, professional sports for hazardous sports, underwater activities involving the use of breathing ‘apparatus, fying of aerial activias other than as fare-paying passenger; and © AIDS oF AiDS-ralated complex. ‘You must send us the following documents as soon as practicable: © the claimant's statement © th attonding physician's statament(s); © a medical cerificate from the physician showing the doctor's name, date of ‘consultations, confinement dates, the diagnosis/prognosis and the treatment! ‘medication given; * complete medical records, laboratory and diagnostic procedures and biopsy report showing history of iliness and test results; and © your curent Policy Data Page. \We reserve the right 1 ask you to provide at your own expense more documents or evidence to help us assess the validity of the claim. We may also require the Life Insured to undergo a medical examination in connection with the claim with one or two of our designated physicians at our own expense. Ityou have Hospital Income Rider Benefi(s), the benefi(s) continue and is not affected by any claim on the Waiver of Premium on Total and Permanent Disability. Upon approval of a claim on Waiver of Premium on Total and Permanent Disability, coverage Under Life Care Waiver andlor Payor Waiver of Regular Premium Benefit automatically ends. “The Benefit terminates: © on the policy anniversary immediately fllowing the siatieth (60%) birthday of the Lite Insured, ino claim was made before age sixty (60); or * on the policy anniversary immediately folowing the one hundredth (100%) birthday of ‘the Life Insured I a claim was made before age sx (60): oF © after the poiy’s Premium Payment Term, or after the Premium Payment Term of any increase in Regular Premium; ® in tho event of death ofthe Life Insured; or ® wien an Accelerated Life Care Benefit claim equal to the Sum Assured is paid; or © pon approval of a claim on Life Care Waiver or Payor Waiver of Regular Premium Benefit or * winen the policy to which this benef is attached is no longer in force Whichever occurs fst.What do we pay? 12. AccipeNTAL DeatH Anp 12.4 DisaBLemeNT BeNerFIT ‘Tris section applies only if you have an Accidental Death and Disablement Benefit, as indicated in your Policy Data Page. Ifthe Life Insured shown on the Polcy Data Page to be covered for ths benefit dies du to accident within one hundred eighty (180) days ofthe accident before the policy anniversary immediately following the seventy-third (73) binthday of the Life Insured, we pay the Accidental Death and Disablement (AD&D) benefit shown on the Policy Data Page. Ifthe Life Insured sustains bodly injury effected drecty and independent of al other causes by violent, accidental, external and visible means which results in any of the losses listed below within one hundred eighty (180) days of the accident before the policy “anniversary immadiatly following the seventy tied (73%) bithday ofthe Life Insured, we pay fa species percentage of tho Accidental Death and Disablement Benefit according to the compensation schedule shown in the table. ‘Schedule of coverage ys tia Bleue Peer Ctig Total, permanent and ireversible: | oss ofboth hands “00% Loss ofboth feet 100% Loss of sight of both eyes [100% | Loss of one hand and one fost | «100%. Lose of one hand and eight of one eye 100% | Loss of one foot and sight of one eye 100% Loss of one foot 50% [toss tone hand [0% ~ Loss of sight of one eye 50% [Lose ofboth thumbs 25%. Loss of one thumb c 10% Loss ofeach frger f 10% | ets of hearing in both ears 50% ‘Loss of hearing in one ear 10% Definition of the above losses are as defined In Section 20 of this Policy Booklet, For accidental disablement, we do not pay more than one hundred percent (100%) of the Accidental Death and Disablement Blenefit for any one policy year regardless of the ‘number of accidents oF the injuries sustained within the policy year. For subsequent ‘accidents resulting in losses that would make the aggragate Donefits exceed the Accidental Death and Disablement benef, the amount payable isthe benefit amount less the amount ‘already paid for previous losses. For accidental death in any policy year as a result of separate accident or injury, we pay one hundred percent (100%) of the Accidental Death and Disablement Benefit. Any policy debt is deducted trom the Accidental Death and Disablement Benef.ae oe ee What is not covered? 12.2 No payment will be made ifthe death, loss or disablement is sustained or contracted, in ‘whol or in part, in any ofthe folowing circumstances: ® ) cy @ © 0 @ @ o w 0 «m () ©) ©) @ © () © @ oy wo by intentional solt.infcted injury, eulcide of any attempt thereat, while sane or by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil \war.rebelion, revolution, insurrections, conspiracy. miltary or usurped power, ‘martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, ‘quarantine, or nationalization by or under the order of any government or public oF local autherty by murder, assault or any attempt thereof; by any weapon or instrument omploying atomic fission, thermonuclear fusion ‘oF any form of radiation, whether in time of peace or war. by congenital anomalies and concitions arising thereftom; by pregnancy and resulting childbirth, miscariage or abortion; bby cosmetic or plastic surgery, except as a result of injury Uwhile the insured is in active service in the armed forces of any country or any International authority and in such an event, upon wrtien notification by the insured, shall return the pro-rata premium for any such peried of service; while in any attempted commission of, oF wiful participation by the ineured in any ‘ime punishable under any prevaling law or ordinance ofthe Philippines or of any County in which the crime was attempted. while resisting lawful arrest, “while entering, leaving, operating. servicing, or being in, on, or about any aerial or submarine device or conveyance except as specifically provided herein: by medical and surgical veatment except as may be necessary solely asa result of injury: by dental care or surgery except to natural teeth as occasioned by injury \hile under the influence of aleohol or unprescxbod drugs: by aleaholism or drug adsiction; by disease, bacteria infection or out of or consequent upon or contributed to bby Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC): by hernia, plomaine, or ether bacterl infections which are not pyogenic infections. ‘occurring at the same time with or because of any accidental cut or wound: by circumcision, sterilization, artificial insemination, sex transformation, agnosis. and treatment of infertity; bby mental or nervous disorders; by poison, gas or fumes voluntarily or involuntary taken: by automobile and motorcycle racing, judo, Karate and similar martial arte, scuba diving, hang-gliding, sky diving, bungee jumping and any other dangerous sport; by Romicide or any attempt thereof, or physical injuries, occasioned by the provocation of the Insured; hile Insured is driving o° riding a motoroyele as a passenger, except when such is part of his profession or forms part of his duy a8 spectad in his job desertion,How to make a claim? 123 What happens 12.4 after a claim? 12.5 When will the Benefit terminate? ‘You must send us the following documents as soon as practicable the claimant's statement the attending physician's statement(s), ‘a medical certificate from the physician showing the doctor's name, date of Consultations, confinement dates, the dlagnosis/prognosis and the treatment! medication given; and your current Policy Data Page, ‘We reserve the right to ask you to provide at your awn expense mora documents or evidence to help us assess the claim, We reserve the right to examine the body and to make an autopsy, in case of ‘accidental death, at our own expense. ‘An accidental death claim automatically terminates the Policy For accidental disablement claims, payments for losses described in Section 12.1 of this Policy Booklet wil not terminate this Benefit. The amount of benefits to be paid in the ‘succeeding policy year will not be reduced by any amount paid in the preceding policy year, ‘The Benefit terminates: ‘on the policy anniversary immeciately following the sevent-third (73) birthday of the Lite insured: or in the event of death ofthe Life Insured: or when an Accelerated Total and Permanent Disability claim equal othe Sum Assured is paid oF when an Accelerated Life Care Benefit claim equal fo the Sum Assured is pal; or ‘when the Poliey to which this Benefit ie altached is no langer in force; or ‘upon writen request for termination; Whichever comes fst.PRU LIFE UK What do we pay? What critical ilinesses or surgeries are covered? 13. 13.4 13.2 AcceLeraTeD Lire Care BeNerit This section applies only if you have @ Life Care Waiver as Indicated in your Policy Data Page. Ifthe Life Insured shown on your Poicy Data Page tobe covered for this benefits diagnosed tobe suffering from a erica lines or has undergone surgery, inthe case of erticallinesses requiring surgery, before the policy anniversary immediately following his seventietn (70) birthday, we pay the Accelerate Life Care benefit shown on your Paley Data Page “The maximum amount payable under al plicies to which this Benaft and any Crisis Cover [Benefi(s) are attached on any one lif ie PHP 5,000,000. Should th total Accelerated Life Care Benefit and Crisis Cover Benofi(s) on all palicios exceed PhP 5,000,000, the Company shall refund that portion of tis Benefi’s charges which corresponds to the excess beneli ‘Any policy debt is deducted from the Accelerated Life Care Benefit. \We provide cover forthe following critical ilnasses or surgeries heat attack: stroke; major organ transplant; renal fire; muttiple sclerosie; ‘moter neuron disoase; heart valve surgery, coronary artery bypass surgery: Parkinson's disease muscular dystrophy, poliomyelitis: {otal surgery: bacterial mening; brain tumor, ‘aplastic anemia; biindness; cend-siage lung disease; end-stage iver failure; deafness; loss of speech: major bums: paralysis; ‘alzheimer's isease; fulminant hepatitis; Bray pulmonary hypertension; HIV due to bicod transfusion and occupationally acquired HIV: encephalitis; ‘major head trauma: Apalic syndrome: progressive Scleroderma systematic lupus erythematosus with lupus nephritis; brain eurgery: and rmodullary cystic disease, ‘You can find the definition of each of these critical illnesses on Section 21 of this Policy Booklet.PRU LIFE UK. What is not covered? 13.3 Wedo not pay the Accelerated Life Care Beneft if the claim is on account of or contibuted by, either directly or indirect, any ofthe following circumstances ‘the critica iness existed or manifested a the Effectivty Date ofthis Benefit or atthe ate of approval of last reinstatement of this Benefit; the Life insured is diagnosed as having a critical liness, or is recommended or ‘advised to undergo surgery, within ninety (90) days ofthe Effectivity Date ofthis Benefit or the date of approval of last reinstatement ofthis Benet, ‘© me cata! ines is caused by, or ned for surgery isin connection with ora result ‘of, complications brought about by pregnancy, childbinh, abortion or miscarriage; ‘© the eaical nese is caused by, or need for eurgery is connection with ofa result of, peychiatre disorders, drug or alcohol abust ‘+ the etcal lines ia causes by, or need for surgery isin connection with ora result of injures or illness suffered due to miliary service or suffered under conditions of war whether declared or no, insurrection, rebellion or mutiny, © the cca illness or need for surgery is intentional, caused by attempt at suicide, or Inourted as a result of or while participating inthe commission of a crime: ‘the erica ness is caused by, or nee for Surgery isin connection with or a result of, faking part in any Kind of diving oF ring in any kind of race, professional sports or hazardous sports, underwater activites involving the use of breathing apparatus, flying or aerial actives other than asa fare-paying passenger; and © the cxical ines is caused by, or need for surgery is in connection with ora result, of, Acquired Immune Deficiency Syndrome (AIDS) or AIDS-related complex, except ‘when AIDS is occupationaly-acquired or caused by blood transfusion, How to make a claim? 13.4 You must sond us the fllowing documents as soon as practicable: {he claimant's statement; the attending physician's statements} ‘© complete medical records, laboratory and diagnostic procedures and histopathologic or biopsy results; ‘© your current Policy Data Page; and ‘= your Policy Booklet, if claim results in termination of Policy You must give us the requirements within rinoty (90) daye from the date of knowledge ofthe occurrence ofthe eitca ness. If you fll to furish us wih the requirements within the ime required, we would not invalidate of reduce any claim ft was not reasonably possible fo give us the requirements within such time, We reserve the right to ask you to provide at your own expense more documents or ‘evidence to help Us assess the valiity of the claim \We may alsa raquie the Life Insured to undergo a medical examination in connection with the claim with one or two of cur designated physicians at our own expense,What happens after a claim? When will the Benefit terminate? 13.5 13.6 Ifthe Accelerated Life Care Benefit claim is less than the Sum Assured, the Policy continues al a new Sum Assured equal to the original Sum Assured less the Accelerated Lite Care Benet pais “The Accelerated Total and Permanent Disability Benefit continues but if Accelerated Total and Permanent Disability Benefit exceeds the new Sum Assurod, the Boneft is reducod to the new Sum Assured, Ifyou have an Accidental Death and Disablement benef, Personal Accident Rider Beneti(s) andlor Hospital Income Rider Benefi(s), the said benefits) continue and is/are not affected by any claim on the Accelerated Life Care Benet. Ione hundred percent (100%) ofthe Sum Assured is advanced by the Accelerated Life Care Benefit ciaim, the Polcy automatically terminates and the value of units is immediately paid out ‘The Benefit terminates: © on the policy anniversary immediately following the seventiath (70%) birthday of the Life Insured: or ® in the event of death ofthe Lite Insured: or ‘© when an Accelerated Total and Permanent Disability clsim equal tothe Sum Assured is pai: or ‘when the Policy to which this Beneft is atached is no longer in force; or © upon writen request for termination: Whichever comes fst14. 4144 What do we pay? Personat Accipent RIDER BENEFIT “This section apples only if you have 2 Personal Accident Rider Benefit as indicated in your Polcy Data Page. ‘The following benefits may be acded Ifthe Life Insured Is within the folowing age limits: Benefit ‘Accidental Death and Disablement ‘Accidental Total and Permanent Disabiliy Murder and Assault Double Indemnity | Dangerous Sporis Coverage Field Trip Coverage | Assidental Medical Reimbursement The Personal Accident Rider provides the following benefits i indicated in the Policy Data Page. 44.1.1 Personal Accident Rider~Accidental Death and Disablement Benet Ifthe Life Insured shown on the Policy Data Page to be covered for this Benefit dios due to Accident within one hundred eighty (180) days of the Accident and before the policy anniversary immediately following his seventy-third (73%) birthday, wo pay the Personal Accident Rider-Accidental Death and Disablement Benefit shown fn the Policy Data Page. Ifthe Life insured sustains bodily injury effected drecly and independently of al ther ‘causes by violent, accidental, external and visible means which results in any of the losses listed below within one hundred eighty (180) days of the Accident bofore the policy anniversary immediatoly following his seventy-third (73") birthday, we pay a specified percentage of the Personal Accident Rider-- Accidental Death and Disablemont Benefit according to the compeneation Schedule. shown in the following table. Schedule of coverage Betas Pers eee Peer ce year) ener enra Benofit Total, permanent and irecoverable: Loss ofboth hands Loss ofboth feet Loss of sight ofboth eyes:PRU LIFE U.K.72 Type of Injury eeu eos Personal Reet cris eee) and Disablement Caro Lom of hering inone ear — Loss of sight of one eye Loss of em ator above elbow Loss of am between elbow and wrist Loss of one hand Loss of thumb Loss of index nga Loss of mile foo Loss fring finger Loss of ite tngor Loss of rt or second etacarpal | ose ef thir, fourth orth metacarpal Loss off at or above kn | "Loss of eg beiow knee Toss of one fot L685 ofa oes of oe foot La88 of great oF Loss ofeach toe oer han great toe Fractured le or pate with establisned ron-union shortening of leg by at least 5 om Definition of the above losses are as defined in Section 20 ofthis Policy Booklet If there Is accidental disablement of two (2) or mace parts ofthe hand, the percentage ofthe Parsonal Accident Rider--Accidental Death and Disablement Benefit payable shall not be ‘move than the percentage payable for the accidental cisablerent of the whoe hand, For accidental disablement, we do not pay more than one hundred percent (100%) of the Personal Accident Rider-Accidental Death and Disablement Benefit for any one policy year regardless of the number of accidents or the injurios sustained within the policy year. For subsequent accidents resulting in losses that would make tho aggrogato benefits exceed the Personal Accident Rider~Accidental Death and Disablement Benefit, the amount payable is the benefit amount less the amount already paid for previous losses, ‘Where the percentage of the Personal Accident Rider--Accidental Death and Disablement Benell payable for aceddental disablement isnot speciied in the above table, we will adopt a percantage ofthe Personal Accident Riger- Accidental Death and Disablement Benefit which Is not inconsistent with the percontages in the above table. For accidental death in ary potcy year asa recut of separate accident or injury, we pay one hundred percent (100%) of the Personal Accident Rider-Accdental Death and Disablement BenefitHow to make a claim? What happens after a claim? When will the Benefit terminate? What do we pay? en age Geter a2 ‘The maximum amount of Accidental Death and Disablement Benefit payable under all policies issued by the Company on any one life is PhP10,000,000. Should the total Accidental Death and Disablement Benefit on all policies exceed PhP 10,000,000, the Company shallrefund the pofton ofthe Benefits insurance charge hich corresponds tothe excess beneft ‘Any policy db is deducted from the Personal Accident Rider — Accidental D Disablement Beneft hand You must send us the following documents as soon as practicable: ‘© the claimant’ statement the attending physician's statements) ‘© a medical certificate from the physician showing the doctor's name, date of Consultations, confinement dates, the diagnosis/prognosis and the treatment! ‘medication given; and ‘© your currant Policy Data Page. We have the right to ask you to provide at your own expense more documents or evidence to help us assess the claim, ‘We have the right fo examine the body and to make an autopsy, in case of accidental death, at our own expense, ‘An accidental death claim automatically torminatos the Policy For accidental disablement claims, payments for losses described in Section 14.1.1 ofthis Palicy Bocklet wil not terminate this Benefit. The Beneft amount to be paid in the succeeding policy year will not be reduces by any amount pad in the preceding policy year. ‘This Benefit terminates: + onthe policy anniversary immediatly folowing the seventy-thied (72°) bith day of the Life Insured; or ‘inthe event of death ofthe Life Insured; or ‘© when an Accelerated Total and Permanent Disability clsim equal tothe Sum Assured is paid or when an Accelerated Life Care Benet claim equal tothe Sum Assured is paid: or ven the policy to which this Benefits attached is no longer in force; oF ‘upon wten request for termination. Personal Accident Rider~Accidental Total and Permanent Dis ily Benett Hf the Life Insured shown on the Policy Data Page to be covered for this Benefit becomes totally and permanently disabled asa result ofan injury commencing within fone hundred an eighty (180) days of the accident before the policy annwersary Immediately folowing tne seventh (73) bray of the Lite Insured, we pay the Personal Accident Rider ~ Accidental Total and Permanent Disability Benefit shown on the Policy Data Page, which shall not exceed one hundred porcont (100%) ‘of the Personal Accident Rider ~ Accidental Death and Disablement Benefit.JUN oe 0) areeyg Total and Permanent Disablity is as defi “The maximum amount of Total and Permanent Disability Benefit payable, whether accidental or not, under al policies issued by the Company on any one lfe is PhP 10,000,000, Should the total Accelerated Total and Permanent Disabilty Senefit ‘and Accidental Total and Permanent Disably Benefit payable exceed PhP 10,000,000, the Company shall refund the portion of the Benefits insurance charge which ‘corresponds fo the excess benef ‘Any poliey debt is deduced from the Personal Accent Rider — Accidental Total and Permanent Dieabilty Benoit. How to make a claim? ‘You must send us the following documents as soon as practicable: ‘© the claimant’ statement « the attending physician's statement(); ‘= 2 medical cartiteate rom the physician showing the doctor's name, date of Consultations, confinement dates, the diagnosis/prognosts and the eatmentd ‘medication given; and © Your current Poicy Data Page. 'We have the right to ask you to provide at your own expense more documents or evidence to help us assess the claim, What happens ‘A Personal Accident Rider — Accidental Total and Permanent Disabilty Benefit claim after a claim? {oes not result in termination ofthis Benet and is payable only i a claim on the Personal Accident Rider-Accidental Death and Disablement Benefit is paid When will the ‘This Bonoft terminates: Benefit terminate? + on the policy anniversary immediately folowing the seventy-third (73° birth day ofthe Life Insured; or ‘= lathe event of death ofthe Life Insured: or ‘© when an Accelerated Total and Permanent Disability claim equal to the Sum Assured i paid: oF ‘© when an Accelerated Life Care nef claim equalto the Sum Assuredis paid oF ‘© when the Policy to which this lene is attached is no longer in force; oF ‘© when the Personal Accident Rider is no longer in force. 14.1.8 Personal Accident Rider-Murder and Assault Benefit What do we pay? If the Life insured shown on the Policy Data Page to be covered for this Benefit is murdered before the policy anniversary immediately folowing his seventy-hid (73°) birthday, we pay the Personal Accident Rider-Murder and Assault Benefit as Indicated in the Policy Data Page If there is an attempted murder on the Life Insured shown on the Policy Data Page to be covorod for this Benefit before the policy anniversary immediately folowing his seventy-third (73%) bithday, we pay fiy percent (50%) of any benefit undor : the Personal Accident Rider that would have been payable hed the claim been ‘Qualified and not excluded, but not to exceed PHPT,000,000. Murder and Any Policy debt Is deducted from the Personal Accident Ric ‘Assault Benet.PRU LIFE UK. How to make a claim? What happens after a claim? When will the Benefit terminate? What do we pay? When will the Benefit terminate? 1446 ‘You must send us the folowing documents as soon as practicable: ‘© the claimants statement © the attending physician's statement(s) ‘a medical certificate from the physician showing the doctor's name, date of Consultations, confinement dates, he diagnosisiprognosis and the treatment’ medication given; and your current Policy Data Page, We have the right to ask you to provide at your own expense more documents or ‘evidence to halp us assass tha claim, We have the right to examine the body and to make an autopsy, in case of accidental death, at our own expense. It the Life insured dies, the policy automaticaly terminates. This Benefit terminates: ‘© on the policy anniversary immediately folowing the seventy-thrd (73%) bith day of the Life Insured: or ‘Inthe event of death othe Life Insured; or ‘© when an Accelerated Total and Permanent Disabilty claim equal to the Sum ‘Assured is paid; or ‘© when an Accelerated Lite Care Benefit claim equal tothe Sum Assuredis. Paid; or Wwhen the Policy 10 which this Beneft is altached is no longer in free: or When the Personal Accident Rider is no longer in force Personal Accident Rider~Renewal Bonus ‘An increase of fve percent (5%) shall be provided on the original Benefit amount of the Personal Accident Rider~Accidental Death and Disablement Benefit and the Personal Accident Rider-Accidental Total and Permanent Disabllty Benefit on the anniversary of these Benefits, provided that these Benefits are stil force. The Renewal Sonus 's applicable only to the frst PhP7,000,000 of the Personal Accident Rider ~ Accidental Daath and Disablement Benetit and Personal ‘Accident Rider-Accidental Total and Permanent Disability Bonofit up to a maximum of fve (5) years. ‘This Benefit terminates: © on the policy anniversary immediately follwing the seventy-third (73%) birthday of the Life Insured; or «in tho event of death ofthe Life Insured; oF © when an Accelerated Total and Permanent Disability claim oqual to the ‘Sum Aseured is paid or ‘© when an Accelerated Life Care Benefit claim equal to the Sum Assured ¥s paid; or © when the Renewal Bonus has already been granted five (6) times; or {© when the Policy to which this Benefit fs atached Is no longer in force. or ‘© when the Personal Accident Rider is no longer in force.What do we pay? How to make a claim? What happens after a claim? When will the Benefit terminate? + What do we pay? 448 uss PRU LIFE U Personal Accident Rider-Double Indemnily Benetit {1 the Life Insured shown on the Policy Data Page to be covered fr this Benefit dies due to accident while traveling as @ ticketed or officially listed passenger in a commercial bus, automobile, train, monorail, boat or airplane over an fesablished land, sea or alr route betore te poly anniversary immediately following the seventy-third (73) birthday of the Life Insured, we pay the Double Indemnity Benefit as indicated in your Paley Data Page, which shall ot exceed one hhundrod percent (100%) of the Personal Accident Rider-Accidontal Death and Disablement Benoni ‘Any Policy debt is deducted from the Personal Accident Rider~Double Indemnity Benet "You must send us the folowing documents as soon as practicable: © the claimants statement, ® the attending physicians statements): * 2 mocical certificate from the physician showing the doctor's name, date of consultations, confinement dates, the diagnosisiprognosis and the ‘reatment/medication given; and * your current Policy Data Page. ‘We have the right to ask you to provide at your own expanse more documents Dor evidence to help us assess the caim \We have the right to examine the body and to make an autopsy, in case of accidental death, at our own expense ‘A ersonal Accident Rider~Double Indemnity Benefit claim automatically terminates the Polcy. “The Personal Accident Rider-Double Indemnity Benet is payable only if calm on the Personal Accident Rider-Accidental Death and Disablement Benet is paid, This Benefit torminatos: * onthe pocy anniversary immediatly following the seveny:hid (734) Sita of the ie insure + inthe event of death of tre Life Insred or * nen an Accelerated Tal and Permanent Disabil claim equal the Sm Assured pai oF * hn an Aeselrated Life Care Benet claim equal othe Sum Assured ispedior + ‘son the Poly to which this Banat is altaced fs no longer i ore: oF ‘thon the Porsanal Aecdant Reger eno longer in force Personal Accident Rider-Dangerous Sports Coverage Ifthe Life Insured shown on the Polcy Data Page to be covered fr this Benefit incurs ‘bod injuries or des due fo accident while participating as an amateur in dangerous sports (such as bungeejumping, martial arts, skateboarding, rollerblading, hhang-gliing, windsurfing, mountaineering, rock climbing, bicycle racing, etc.) before the policy anniversary immediately following the twenty-sixth (26") birthday of tho Life Insured, we pay the Personal Accident Rider-Dangerous Sports Coverage Benefit ae indicated in your Policy Data Page.How to make a claim? What happens after a claim? When will the benefit terminate? What do we pay? 14A7 “The maximum amount of Dangerous Sports Coverage payable under all policies Issued by tho Company on any one life is PhP2, 500,000. Should the otal Dangorous ‘Sports Coverage on al policies excoed PhP2,600,000, the Company shall refund that portion of the Benefi’s insurance charge which corresponds to the excess benefit ‘Any Policy debt is deducted trom the Personal Accident Rider~Dangerous Sports Cover Benet ‘You must send us the following documents 2s soon 2s practicable: ® the claimants statement: ® the attending physician's statements): © a medical certfcate from the physician showing the doctor's name, date of ‘consultations, confinement dats, the diagnosis/cognesis and the eatment! medication given; and * Your current Policy Data Page We have the right to ask you to provide at your own expense more documents or evidence to help us assess the claim, We have the right to examine the body and to make an autopsy, in case of accidental death, a our own expense Ir the Life Insured dies, the policy automaticaly terminates. Claims due to injuries wit not erminate this Beneft. The Benefit amaunt to be paid in the succeeding policy year will not be reduced by any amount paid inthe prececing policy year ‘This Benefit terminates: * on the policy anniversary immediately following the twenty-sixth (20%) birth day of the Life Insured or * inne event of ceath ofthe Life insured; or ' when an Accolerated Total and Permanent Disabilty claim equal to the Sum ‘Assured is paid; or * \whon an Accelerated Life Care Beneft claim equa tothe Sum Assured is pai; or ' when the Policy to which this Benefit is altached ie no longer In far or © when the Personal Accident Rider is no longer in force. Personal Accident Rider—Field Tip Coverage IT the Life Insured shown on the Policy Data Page to be covered for this Benefit suffers injury resulting in death due to accident during @ schoo-sponsored fel tip, before the policy anniversary immediately following the twenty-third (23°) bthday of Insured, we pay the Porsonal Accident Rider—Field Trip Coverage denofit as Indicated in your Policy Data Page, which shall not exceed PhP 100,000.How to make a claim? What happens after a claim? When will the Benefit terminate? PRU LIFE UK. [A school-sponsored field tip is one organized by the school as part af the school curricula, ‘whether itis fhanced by the school or by the students/parens. ‘The maximum amount of Personal Accident Rider-Field Trip Coverage payable under allpoicies issued by the Company to which the Feld Trip Coverage is attached on any one life 'S PhP100,000. Shoulé the total Personal Accident Rier—Fieid Trp Coverage on all policies ‘9xceed PRP 100,000, the Company shall refund that portion of this Benefits insurance charge ‘hich corresponds tothe excoss benef If tho Personal Accident Rider--Field Trip Coverage is attached, the maximum ‘Accidental Death and Disablement Benefit is PhP100,000. ‘Any Poly debt is deducted from the field trip coverage benef You must send us the following documents as soon as practicable: the claimants statement; the attending physician's statoment(s); ‘© a medical certificate from tho physician showing the doctor's name, date of Consultations, confinement dates, the diagnosis/prognosis and the treatment! ‘medication given; and ‘© your current Policy Data Page. We have the right to ask you to provide at your own expense more documents or evidence to holp us assoss the claim, \We have the right to examine the body and to make an autopsy, incase of accidental death ‘at our own expense, |A Personal Accident Ridet—Field Trip Coverage claim automaticaly terminates the policy. ‘The Field Trip Coverage benefit is payable only if @ claim on the Personal Accident Rider-Accidantal Death ané Disablement s pal ‘This Benotit terminates: = on the pacy annivereary inmedataly fllowing the twenty-third (234) bithday of the Life Insured; or ‘inthe event of death ofthe Life Insured; or ‘© when an Accelerated Total and Permanent Disability claim equal fo the Sum Assured is paid: or ‘© when an Accelerated Life Care Benefit claim equal to the Sum Assured is pald: or when the Policy to which this Benefit is attached Is no longer in force: or ‘© when the Personal Accident Rider is no longer in force.ION a0) artes 14.1.8 Personal Accident Rider ~ Accidental Medical Expense Reimbursement What do we pay? Ifthe Life Insured shown on the Policy Data Page to be covered for this Benet incurs In-patient or Outpatient Mecical Expenses for accidental injuries occuring before the policy anniversary immadiataly folowing the seventy-ird (73%) birthday of the Life Insured, wo indemnify the Life Insured the medical expenses incurred up to the Personal Accident Rider Accidental Medical Expense Reimbursoment Bonotit Indicated in your Policy Data Page, n respect of each Accident In-patient and Out-paiont Medical Expenses are as defined in Section 20 of this Policy Booklet “The maximum smount of Accidental Medical Expense Reimbursement payable under all policies issued by the Company to which the Personal Accident Rider - Accidental ‘Medical Expense Reimbursement is attached on any one lf le PhP 400,000 in respect of each accident. Should the total Personal Accident Rider - Accidental ‘Medical Expense Reimbursement on al policies excoed PhP 400,000, the Company shall efund that portion of this Benefits ineurance charge which corresponds to the excess benef. ‘Any policy debt is deducted from the Accidental Medical Expense Reimbursement benef How to make a claim? You must send us the folowing documents as soon as practicable: the claimants statement; the attending physicians statements) * a medical certificate from the physician showing the doctor's name, date of consultations, confinement dates, the diagnosis/prognosis and the ‘reaimeniimedication given; and * your current Policy Data Page. Wo have the right to ask you to provide at your own expense more documents or evidence to help us assess the claim We have the right to examine the body and to make an autopsy, in case of accidental death, at our own expense, What happens ‘A Personal Accident Rider-~Accidental Medical Expense Reimbursement benefit after a claim? Claim does not result in the termination ofthis Benet. “The Benefit amount to be paid in any succeeding Accident will not be reduced by “any amount paid in a previous Accident. When will the ‘This Benefit terminates: Benefit terminate? © on the policy anniversary immediately folowing the seventy-thicd (73%) birthday ofthe Life insured; or * inthe event of death ofthe Life Insured; or : * when an Accelerated Total and Permanent Disablity clsim equal to the Sum Assured is paid or * when an Accolorated Life Care Benefit claim equal to the Sum Assured Is paid; or whan the Policy to which this Bonafitis attached is no longer in force: or © when the Personal Accident Rider is no longer in force,What is not covered? 142 ‘No payment will be made if the death, loss or disablement is sustained or contracted, in whole or in part, in any ofthe folowing circumstances: {@)_ by intentional sel-inticted injury, suicide or any aitempt thereat, while sane or insane: {(b) by war, Invasion, act of foreign enemy hostities or wartike operations (whether war be dectared or not), mutiny, riat, civil commotion, strike, cluil war, jon, revolution, insurrections, consplracy, military or usurped power, al aw or state of siage, or any ofthe events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, ‘quarantine, oF nationalization by or under the order of any government or publ oF local authority; (©) _uniess covered by the Personal Accident Rider - Murder and Assault Benefit, by ‘murder, assault or any atternot thereof; (©) by any weapon oF instrument employing atomic fission, thermonuclear fusion or ‘any form ofraciation, whether in ime of peace or war, (e)_ by congenital anomailes anc condtions arising theretiom; (0) by pregnancy and resulting chtdbih, miscarriage or abortion; (g)_ by cosmatic or plastic surgery, except asa result of injury; (h) while the Insured isin active service in the armed forces of any country or ‘any international authority and in such an event, upon writen notification by the Insured, shall relum the pro-rata premium for any such period of service; (while in any attempted commission of, or wilful participation by the insured Inany crme purishable under any prevaling law or ordinance of te Philippines Cr of any country in which the crime was attempted: (while resisting lawiu arrest; (while entering, leaving, operating, servicing, or being in, on, oF about any acral ‘or submarine device or conveyance except as speciicaly provided herein; (by medical and surgical treatment except as may be necessary sclaly as a result of injury, (m) by dental care or surgery except to natural teeth as occasioned by injury: (n}_ while under the infuence of alcohol or unprescribed drugs; (0) by alcoholism or drug addiction; (@)_ by disease, bacterial infection oF out of or consequent upon or contributed to by ‘Acquired Immune Detlciency Syndrome (AIDS) or AIDS Related Complex (ARC): (a) by hamnia, ptomaine, oF other bacterial infections which are nat pyogenic infections occurring at the same time with or because of any accidental cut ‘or wound; (by circumcision, sterilization, artificial insemination, sex transformation, agnosis and treatment of infertility, (5) by mental or nervous disorders: (by poison, gas or fumes voluntary or involuntary taken; (u) unless covered by Personal Accident Rider - Dangerous Sports Coverage, by automobile and motoreyele racing, judo, karate and similar martial arts, scuba amission and discharge summary. you fal to furnish the documents within the ime required, we shallot invalidate nor reduce any claim i it was not reasonably possible to submit the requirements within such timo, Wo reserve the right to ask you or your claimant to provide at your own expense more ocuments or evidence to help us assess the claim. In particular, we shall determine if Hospital Confinement is medically necessary; ifnot, sai finding shal constitute @ cause for nial ofthe claim, \We will pay this Benefit only If the Hospital Income Rider - Daily Hospital Income benef |s payable from the fst day of confinement due to llness or injury The Exclusions under Section 15.1 Rider - Long Term Hospitalization benofit fe also applicable to the Hospital IncomePRU LIFE UK.32; When will the benefit terminate? Termination of Benefit after a valid claim Non-guaranteed renewal Benefit upgrade Continuation of premiums while availing of benefits 15.5 156 15.7 158 This Benefit terminates: * onthe policy anniversary immediately following the sixty-fith (85) birthday of the Life Insured; or * in the ovent of death of he Life Inu oF ‘© when an Accoleraied Total and Permanent Dieabilly claim equal tothe Sum Assured is paid; or ‘* when an Accelerated Life Care Benefit claim equal to the sum assured is paid; or ‘© when the Policy to which this Beneftis attached is no longer in fore. Termination, cancollation or expiry ofthis Benefit shall not affect any valid claim or loss cccurring before any ofthese events ‘Renewal s not uarantaed and we reserve the right to decline renewal ofthis Benefiton any Policy anniversary but we wil give you thy (30) days prior written notice. ‘You can Upgrade from a lower to a higher plan anytime, You must give us satisfactory ‘evidence of the health ofthe Lie Insured at your oun expanse. ‘You ae abe to pay us any premium and rider charges faling due even during those periods when you are claiming Benefits from this der. We reserve he right to dadict any premiums {and rider charges due from any Benefit payments that may arise during such periodWhat do we pay? What critical illnesses or surgeries are covered? 16. 16.4 16.2 PRU LIFE U Lire Care Waiver ‘This section applies only if you have a Life Care Waiver as indicated in your Policy Data Page. Itthe Life Insured shown on your Policy Data Page to be covered for his beneftis diagnosed to be suffering trom a critical illness, or has undergone surgery, in the case of critical Illnesses requiting surgery before the policy anniversary immediately folowing his seventith (70®) bithday, we waive al future Regular Premiums of your policy. unt the expiry dato of your Premium Paying Term. Future premiums which will be waived will be based on the regular premium at the time of approval ofthe Life Care Waiver claim, ‘The total amount of benefits that can be clalmed under the Waiver of Premium on Total ‘and Permanent Disadlity and Life Care Waiver attached to this Policy shall nt exceed fone hundred percent (100%) ofthe premium payments due. This Benefit does not waive flute top-ups. If this Policy is on premium holiday at the time of claim, the allocation of future regular premiums which will be waived in the event a Life Care Waiver claim is approved shall bbe based on the Reguler Premium Allocation Schedule shown in the Policy Data Page, Continued from the time the last regular premium due was paid ‘The Life Care Waiver can only be attached ifthe Accelerated Life Care Benefit is less than one hundred percent (100%) of the Sum Assured. We provide cover forthe folowing critical tnesses or surgeries. heart attack; stroke; ‘major organ transplant renal failure; multiple sclerosis; ‘motor neuron disease; hear valve surgery: coronary artery bypass surgery: Parkinson's disease; ‘muscular dystrophy: poliomyelitis; aorta surgery: bacterial meninais brain tumor, aplastic anemia; blindness; fond stage lung disease; fend stage liver fallre; deainess; loss of speech; ‘major burs; paralysis; Alzheimer's disease;Rae fulminant hepatitis; primary pulmonary hypertension terminal illness; HIV due to brood transfusion and occupationally acquired HIV: ‘encephalitis; major head trauma; apalc syncrome; progressive scleroderma: systemic lupus erythematosus with kipus nephritis; brain surgery: and medullary cystic cisease, ‘You can find the definition of each of these critical illnesees on Section 21 of thi Policy Booklet. What is not covered? 16.3. We do not waive regular premiums if the claim is on account of or contributed by, either directly or indirect, ary ofthe folowing circumstances: ‘he critical ness exsted or manifested at the Etfecivty Date ofthis Benefit or atthe date of approval of ast reinstatement of this Beneft the Life Insured is diagnosed as having a critical iInoss, or is recommendad or advised to undergo surgery, within ninety (00) days of the Effecivty Dato of this benefit or the date of approval of last reinstatement of this benefit; the citicalllness is caused by, or need for surgery isin connection with or a result of, complications brought about by pregnancy, childbith, abortion or miscarriage: the crital less is caused by, or need for surgery is connection with or a result of, psychiatric disorders, drug or sleoho! abuse: ‘the erica ness 's caused by, or need for surgery isin connection with ora resui of injuries or iiness suffered duo to miltary service or suffered under concitions of ‘war whethor declared or not, insurrecton, rebelion oF mutiny; the ofitcalilnoss or nea for surgory is intontional, caused by attompt at suicide, or incurred as a result of or while participating in the commission of a crime: the erica ness is caused by, or need for surgery isn connection with or a result of, taking part in eny kind of driving oF riding in any kind of race, professional sports fr hazardous sporis, underwater activites involving the use of breathing apparatus, fying or aerial actives other than as afare-paying passenger, and the ential lines is caused by, or need for surgery isn connection with or a result of, ‘Acquired Immune Deficiency Syadroma AIDS) or AIDS-related complex, except when [AIDS is occupstionally-acquired or caused by blood transfusion. How to make a claim? 16.4 You must send us the following documents as soon as practicable: the claimant statement the attending physician's staternent(s) ‘complete medical records, laboratory and slagnostc procedures and histopathologic ‘or biopsy results your current Policy Data Page: and ‘your Policy Booklo, if claim results in termination of policy.What happens after a claim? When will the Benefit terminate? 16.5 16.6 PRU LIFE U ‘You must give us the requiremants within ninety (90) days from the date of knowladge of the ‘occurrence of the critica ness. f you filo furnish us with the requirements within the time required, we would not invaldete or reduce any claim fit was not reasonably possible to give us the requirements within such time. \We reserve the right to ask you to provide at your own expense more documents or evidence to help us assess the valetty of the claim. \We may also require the Life Insured to undergo a medical examination in connection with the claim with one or two of our designated physicians at our own expense, Upon approval ofa caim on Life Gare Waiver, your Policy, including Its Core Benefits and any ‘Optional Benefit continues. ‘The Benefit terminates: ‘© on the policy anniversary immediately folowing the seventith (70' ‘the Life Insured; or ‘aftor the policy's Promium Payment Torm, orator the Promium Payment Term of any increase in Regular Premium; or Upon approval of a claim on Waiver of Premium on Total and Permanent Disability or Payor Waiver of Regular Premium Benefit or in the event of death ofthe Life Insured; of ‘© whan an Accaleraled Total and Permanent Disability claim equal tothe Sum Assured is pai or ‘when the policy to which this Benefit is attached is no longer in force; or upon writen request for termination; birthday of whichever occurs fistON a oil U1 Gaeta) What do we waive? How to make a claim? 17. Payor Waiver Or REGULAR 7A 172 173 Premium BeNerFiT fit as This section applies only if you have @ Payor Waiver of Regular Premium Bi Indicated n your Policy Data Page. 1 you die oF become totaly and permanently disabled before the policy anniversary immediately following your sixtieth (60%) birthday and before the policy anniversary immediately following the twenty-ih (25%) birthday of the Life Insured, we waive all ‘uture Regular Premiums of your Polcy until tne end of the benefit erm of the Payor Waiver of Regular Premium, as dofined in Section 17,7. We waive the Regular Premiums if you: ie; or are totally and permanent cisabled as defined in Section 20; or ‘suffer compote and irrecoverable loss of sight of both eyes; or ‘suffer total and permanent loss by romoval or disease of > both hands, or > both feet, oF > one hand and one foot ‘The death or disabilty must occur before the anniversary of the first Regular Premium due date of your policy in the year in which you turn sity (60), and before the policy anniversary Immediataly following the twenty-fith (25%) birthday of the Life Insured. ‘You or, n case of your death, your legal representative must send us as soon as practicable: © the claimant's statomont; the attonding physician's statements); © a modical cortificate from the physician showing tho doctor’s name, date of ‘consultations. confinement dates, the diagnosisiprognosis and the treatment’ mmecication given; © complete medical records, laboratory and diagnostic procedures and biopsy {epart showing history ofiliness and test results; ‘the orginal death certiicate ors certified true copy; your birth or baptismal certiieate; and © your current Policy Data Page, ‘We reserve the right to ask you or your legal representative to provide at your own expense more documents or evidence to help us assess the vali ofthe claim. We may also require you to undergo a medical examination in connection with the claim with one or two of our designated physicians at our onn expense. (Once a claim is accepted for disability, you must give us evidence to our satisfaction of your continuing cisabilty before each regular premium is waived If you recover rom your Total and Permanent Disability, wa cease waiving al future regular premiums,What if the payor recovers? What is not covered? What happens after aclaim? What happens after aclaim? 174 175 17.6 477 We may, at any time, require due proof of continuance of such total and permanent disability ‘and may also, at anytime, raqure you to undargo a medical examination by one or two of our ‘signated physicians. However, should such total and permanent disabilty continue for 2 period of two years, we will not require such proof of examination moce than once in each ‘of the following years of continuance of such disabiliy. Should you fall to submit to such ‘examination, orf, on request proofs not furnished, or you recover as to be able o engage in any occupation or perform any work for compensation or profit al future premiums fling {due must be paid as originally provided in the Policy. f and when you recover from ‘such sisabily, you agree to give immediate notice to us. We do not waive Regular Premiums if disability results from © intentional sett.nficted injury any act attributable to war, whether declared or not ‘© miltary, naval or air service for any country at war, declared or not (Once you die or are totaly and permanently disabled and we have acoepted your claim, your Policy, including ts Core Benefits and any Optional Beneft, continues. “The Beneft terminates: ‘© on the policy anniversary immediately folowing the twanty-ith (25) birthday of the Life Insured: oF ‘© on the policy anniversary immediately following your sixtiath (60%) birthday, if there was no claim before the policy anniversary immodiatoly folowing your sixtieth (60%) birthday o ‘© on the policy anniversary immediately following your seventy-fith (75°) birthday, if there was a ciaim befere the policy anniversary immediately following your satieth (60") birthday; o ‘© ater the policy's Premium Payment Term, o after tl ‘any increase in Regular Premium; or ‘© inthe event of death of the Life Insured; oF ‘= whan an Accelerated Total and Permanent Disabilly claim equal to the Sum Assured is paid: or ‘© winen an Accelerated Life Care Benefit claim equal o the Sum Assured is pai or © upon approval ofa clsim on Waiver of Premium on Total and Permanent Disabilty or Lite Care Waiver, or © ‘when the Policy to which this Benefit is attached is no longer in force; or upon written request for terminaton, Premium Payment Term of Whichever comes frst.18. GUARANTEED INSURABILITY OpTION BENEFIT ‘This section applies only it you have the Guaranteed Insurablty Option beneft as indicated in your Policy Data Page. What Benefit do we give? 18.1. You are guaranteed the right to purchase additional Sum Assured at diferent Option dates without the Life Insured having to undergo any futher mecical examination. No additional Regular Premium will be charged for attaching this Benefit to the basic policy. However, @ corresponding increase in Regular Premium payment is required it this Option is exercised Any Waiver of Regular Promium benefit attached to the PruLink policy to which this Bent is attached will automatically cover any future additional Regular Premium required to purchase additonal Sum Assured due to implomentation of thisthese Options When can you 18.2 You are entitled to purchase adtional Sum Assured at the folowing Option dates: exercise the Option? © every policy anniversary; or ‘© upon occurrence of special evens in reference tothe Life Insured Special events are defined to be any ofthe folowing events: © Marriage: or Live oil bith; oF © Logal adoption of child, Your Sum Aecured will increase automaticaly every policy anniversary unlees you inform us that you are not exercising this Option. ‘This Option must be exercised within @ period ofthity one (31) days after a happening of a special event without having to walt for the next policy anniversary. Should such Option be exercised, you will no longer be eniied lo exercise yout Option on the policy anniversary Immediately folowing the date of spacial event. ‘The Guaranteed insurabilty Option beneftis suspended ifthe Policy ison premium holiday or if total withdrawals made on the Policy exceed total top-ups. Upon Regular Premium resumption, or the moment the total top-ups exceed total withdrawals, this Beneft then How much additional 18.3 Five percent (5%) ofthe original Sum Assured may be purchased per Option. The adeltiona ‘Sum Assured can you Regular Premium required per Option exercised is also five percent (5%) of the reguiar purchase? premium, Throughout the term ofthe Guaranteed Insurabilty Option benefit, total addtional overage ie limited to one hundred percent (100%) ofthe orginal Sum Assured. Options may be exercised for a maximum of twenty (20) times. When will the 18.4 This Benefit terminates: Benefit terminate? ‘= on the policy anniversary immediately following the Life insured's fortieth (40%) i birthday; or ‘= on the policy anniversary on which you did not exercise this Option: or ‘© when any regular premium on the Policy to which this Beneft is altached is not Paald when due or within the grace period provided, subject tothe last portion of Section 18.2; or «ifthe Policy to which this Benefits attached is no longer in free; ot ‘upon writton roquoet for termination.PRU LIFE UK. Grace period Incontestability Ownership of the Policy Misstatement of the age Suicide 19. 194 19.2 19.3 19.4 195 OTHER GENERAL CONDITIONS ‘A grace period of thirty one (31) days, without interest charge, is allowed forthe payment of your Regular Promium except for the first Regular Premium. During the grace period your Policy remaine in force unless fully withdrawn. If the Life Insured dies on 1 Regular Promium due date or during the grace period, wo will pay you the death benefit less ‘ny policy debt and the medal premium duo. Except for non-payment of Regular Premiums or any other grounds recognized by taw ‘and jurisprudence, we cannot contest this Policy after thas teen in force during the lifetime Of the Life Insured for two (2) years from the Policy Effectvily Date, as shown in the Policy Data Page, or from the date of last reinstatement, if any. Excopt for non-payment of Regular Premiums or any other grounds recognized by law and jurleprudence, we cannot contest this poicy for any future Increase in sum assured after ‘has been in force during the Iietime ofthe Life Insured fortwo (2) years from the offecive dato ofthe increase in sum assured. Where death beneft is not compensable, our liability shall be limited to the Regular Premiums and al top-ups paid les all withdrawals made on the top-up units, if any. Before the Life Insured dios, al sights, tile and interest given by this Policy belong to you Ityou dle before the Life Insured, al rights, title and interest inthis Policy shall automatically vestin the Life Insured, if the Life Insure is a minor, subject tothe rights of any assignee on record. Ctherwise, the rights, tile and interest inthis Policy shall transfer (o your estate. Ifthe appointment of ary benefciay under this Policy Is revocable, the exercise of any right Under tho Policy shall be subject to the consent of the Irrevocable beneficiary/ies. Ifthe age of the Life Insured has been misstated, the sum assured will be adjusted to the amount which the insurance charge would have purchased atthe correct age, applicable tisk class, and applicable insurance charge as of the Policy Effectivity Date, or as of tho effective date of any increase in sum assured. If at the correct age, the Life Insured i not eligible for tho benoft cover under this Policy, our liability shall not exceed the Regular Premiums and all top-ups paid less all withdrawals ‘made on the top-up units less policy debt, if any. In case of suicide by the Life Insured within the frst to (2) years from the Policy Etfectivity Date or from the date of lat reinstatoment, fay, then tho suicide shall not be compensable. However, suicide commited nthe state of insanity shall be compensable rogardess of date ‘of commission, Should there be change in legislation regarding the mattor at hand, the pertinent provisions ofthe insurance Code, as amended, wil apply. In case of sulcda by the Life Insured within the fist wo (2) years from the effective date ‘of any Increase in sum assured, the increase in sum assured shall not be payable Unless suicide was commited in the state of insanity. Should there be change in legislation regarding the matter at hand, the partinent provisions of the Insurance Code, as amended, wall apply, Where suicide is not compensable, our iabilty shal be limited to the Regular Premiums and all top-ups paid less all withdrawals made on the top-up units less, if ny.