PRUHealth

Prime
PRUHealth Prime is an investment-linked life insurance plan payable for 20 years that provides the following features:
Ready fund in case of Early Stage Cancer
This advances 50% of your Sum Assured or PhP 1.5 million, whichever is lower, and provides additional benefits in case of hospital confinement.
Fund you can use upon detection of Late Stage Cancer
This gives you the full Sum Assured plus the fund value less any Early Stage Cancer claim and provides additional benefits in case of hospital
confinement.
Legacy to your loved ones
You have the comfort of knowing your beneficiaries will receive the death benefit which consists of the sum assured plus the fund value less any Early
Stage Cancer claim in case of death.
Source of funds for emergency
You have the assurance that a fund from the living benefit of the Policy is readily available when you are in dire need of financial aid because of an
emergency. However, withdrawing from your fund is subject to specific guidelines set by Pru Life UK.
Celebrate the life you live
Once you reach age 85, you will receive the Sum Assured plus the fund value less any Early Stage Cancer claim.
PLAN DETAILS
Life Insured :MINOR INSURED Policyowner :ADULT OWNER
Age :14 years old Age :47 years old
Gender :Male Gender :Female
Currency :Philippine Peso Sum Assured :PhP 500,000.00
Premium Mode :Monthly Total Annual Premium :PhP 23,188.00
Modal Premium :PhP 1,932.34

PLAN BENEFITS
Benefits Benefit Type Benefit Amount Annual Premium
Core Benefits 15,210.00
Death Benefit Lump Sum 500,000.00
Cancer Benefit
Early Stage Cancer Benefit Lump Sum 250,000.00
Late Stage Cancer Benefit Lump Sum 500,000.00
Hospital Income Benefit Daily 625.00
Post-Hospitalization Benefit Lump Sum 5,000.00
Optional Benefit(s)/Rider(s) 7,978.00
Select 52 Critical Illness Rider
Late Stage Critical Illness Benefit Lump Sum 250,000.00
Hospital Income Benefit Daily 313.00
Post-Hospitalization Benefit Lump Sum 5,000.00
Non-accelerated Total and Permanent Disability Lump Sum 500,000.00
Accidental Death and Disablement Lump Sum 200,000.00
Payor Term Lump Sum 500,000.00
Payor Waiver for Regular Premium Benefit Waiver 23,188.00

TOTAL ANNUAL PREMIUM: 23,188.00

Death Benefit Living Benefit Chosen Funds

Sum Assured + Fund Value Full Withdrawal Value
Proactive

792K
792K
408K
168K
40K
408K
500K 500K 500K 500K
30K
151K

5 10 15 20 5 10 15 20
POLICY YEAR POLICY YEAR

The death and living benefits graphs and values are based on 10% investment return and are not guaranteed. Please refer to the full illustration of
benefits in the succeeding pages.
FREE-LOOK PERIOD: This is a 15-day cooling-off period from the date you receive your Policy Booklet during which you may review the insurance
policy. If you change your mind, simply complete and submit the appropriate form within this period and we will refund the fund value and any
applied charges, which may or may not be lower than the premium you paid.

Prepared by: CARMINA TAN PANGAN Page 1 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 PRUHealth Prime

PRUHealth Prime is an investment-linked life insurance plan payable for 20 years that provides coverage for death, cancer, and hospitalization benefits
until age 85 of the Life Insured. The Policy terminates upon full withdrawal of living benefits or payment of the death, maturity or Late Stage Cancer
benefit.

Cancer Benefit
The following are the types of cancer covered by this product.

Early Stage Cancer Late Stage Cancer

• Carcinoma In-Situ of Covered Organs
• Early Prostate Cancer
• Early Thyroid Cancer
• Early Bladder Cancer
• Early Melanoma
• Early Chronic Lymphocytic Leukemia
• Carcinoma In-Situ of Specified Organs
Treated with Radical Surgery

Aside from the cancer benefit, PRUHealth Prime provides the following benefits related to hospital confinement.

Hospital Income Benefit

Pays daily the Hospital Income Benefit of 0.125% of the Sum Assured, subject to a maximum of PhP 10,000 per day if the Life Insured is hospitalized
due to Early Stage and/or Late Stage Cancer and if filed and claimed simultaneously with the corresponding Early Stage and/or Late Stage Cancer
Benefit. We will pay twice the amount of the Hospital Income Benefit if the hospital confinement is in the Intensive Care Unit (ICU). For hospital
confinements due to the same Early Stage and/or Late Stage Cancer, the total Hospital Income Benefit claims, inclusive of ICU, is subject to a
maximum of forty-five (45) days per confinement and a maximum of ninety (90) days for the entire duration of the Policy. Hospital Income Benefit
claims submitted beyond the stated maximum number of days are not payable.

Post-Hospitalization Benefit
Pays a lump sum amount of PhP 5,000 for a specialist doctor visit due to the Late Stage Cancer filed under the Late Stage Cancer Benefit following
discharge from hospital confinement for said Late Stage Cancer. This benefit is payable once and may be claimed simultaneously with the Late Stage
Cancer Benefit and/or Hospital Income Benefit, provided that the definition of this benefit is met and proof of the specialist doctor visit is provided.

Prepared by: CARMINA TAN PANGAN Page 2 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 PRUHealth Prime

Select 52 Critical Illness Rider provides additional benefits for covered late stage critical illness conditions with hospitalization benefits until age 85 of
the Life Insured. This rider terminates upon payment of late stage cancer benefit or late stage critical illness benefit, or when the Policy to which this
rider is attached is no longer in force.

It covers the following late stage critical illnesses and those requiring surgery:

Heart-Related Lung-Related Others This

1. Heart Attack 19. End-Stage Lung Disease 40. Paralysis of Limbs
2. Serious Coronary Artery Disease 41. Blindness
Neurological-Related
3. Coronary Artery By-Pass Surgery 42. Deafness
20. Stroke
4. Angioplasty and Other Invasive 43. Third Degree Burns
21. Coma
Treatments for Coronary Artery Disease(1) 44. Major Organ / Bone Marrow Transplant
22. Benign Brain Tumor
5. Heart Valve Surgery 45. Poliomyelitis
23. Encephalitis
6. Cardiomyopathy 46. Chronic Relapsing Pancreatitis
24. Loss of Speech
7. Infective Endocarditis 47. Progressive Scleroderma
25. Bacterial Meningitis
8. Severe Eisenmenger's Syndrome 48. Terminal Illness
26. Major Head Trauma
9. Surgery to Aorta 49. Loss of Independent Existence
27. Parkinson's Disease
10. Primary Pulmonary Arterial Hypertension 50. Chronic Adrenal Insufficiency
28. Alzheimer's Disease / Severe Dementia
51. Elephantiasis
(1)The coverage for Angioplasty and Other Invasive Treatments 29. Muscular Dystrophy
for Coronary Artery Disease is subject to a maximum of ten 52. Amputation due to complication from
30. Apallic Syndrome
percent (10%) of the Sum Assured. Diabetes
31. Progressive Supranuclear Palsy
Liver/Gastrointestinal-Related 32. Motor Neuron Disease
11. End Stage Liver Failure 33. Multiple Sclerosis
12. Fulminant Viral Hepatitis 34. Progressive Bulbar Palsy
13. Chronic Autoimmune Hepatitis 35. Brain Surgery
14. Severe Crohn's Disease with Intestinal
Blood-Related
Fistula, Obstruction or Perforation
36. Chronic Aplastic Anemia
15. Ulcerative Colitis with Total Colectomy
37. HIV Infection Due to Blood Transfusion
Kidney-Related 38. Occupationally Acquired Human
16. Kidney Failure Immunodeficiency Virus (HIV) Infection
17. Medullary Cystic Disease 39. Full-Blown Aids
18. Systemic Lupus Erythematosus with

Severe Kidney Complications

rider provides the following benefits:

1. Late Stage Critical Illness Benefit

This gives the full rider benefit amount upon diagnosis of any of the covered Late Stage Critical Illness conditions.

2. Hospital Income Benefit

Pays daily the Hospital Income Benefit of 0.125% of the Late Stage Critical Illness Benefit, subject to a maximum of PhP 10,000 per day if the Life
Insured is hospitalized due to Late Stage Critical Illness and if filed and claimed simultaneously with the corresponding Late Stage Critical Illness
Benefit. We will pay twice the amount of the Hospital Income Benefit if hospital confinement is in the ICU. The total amount of Hospital Income
Benefit claims payable for any hospital confinement (including ICU) due to the same Late Stage Critical Illness for which the Late Stage Critical
Illness Benefit is claimed is subject to a maximum of forty-five (45) days for the duration of the Policy. The total amount of Hospital Income
Benefit claims payable for both this rider and the base plan's Hospital Income Benefit for Early Stage or Late Stage Cancer shall be capped at a
maximum of ninety (90) days in a given Policy Year. Hospital Income Benefit claims submitted beyond the stated maximum number of days are
not payable.

3. Post-Hospitalization Benefit
Pays a lump sum amount of PhP 5,000 for a specialist doctor visit due to the same Late Stage Critical Illness filed under the Late Stage Critical
Illness Benefit following discharge from hospital confinement for said Late Stage Critical Illness. This benefit is payable once and may be claimed
simultaneously with the Late Stage Critical Illness Benefit and/or Hospital Income Benefit for Select 52 Critical Illness Rider, provided that the
definition of this benefit is met and proof of the specialist doctor visit is provided.

You may refer to your Policy Booklet for complete definitions, exclusions, and limitations of the benefits stated above.

FREE-LOOK PERIOD: If, after availing Select 52 Critical Illness Rider, you decide that it is not suitable to your needs, you may cancel it by completing
and submitting the appropriate form and returning the Policy Data Page to us within fifteen (15) days from the date you receive it. We will issue a
new Policy Data Page without the rider and refund the premium you paid pertaining to the said rider in full.

Prepared by: CARMINA TAN PANGAN Page 3 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 ILLUSTRATION OF DEATH BENEFITS

Total Death Benefits

Policy Year Attained Age
Low (4.00 %)* Current (2.70 %)* High (10.00 %)*
1 15 498,097.26 498,097.26 498,097.26
2 16 500,574.32 500,567.14 500,607.46
3 17 507,882.31 507,776.40 508,373.67
4 18 519,110.15 518,762.49 520,753.53
5 19 536,697.51 535,881.71 540,623.09
6 20 554,698.48 553,176.89 562,173.31
7 21 573,100.37 570,623.92 585,541.33
8 22 591,894.49 588,202.47 610,882.73
9 23 611,225.76 606,043.75 638,531.55
10 24 631,148.22 624,186.98 668,752.90
11 25 654,208.66 645,131.96 704,472.82
12 26 682,942.54 671,334.12 748,790.16
13 27 712,697.39 698,117.01 797,403.73
14 28 743,201.79 725,188.00 850,412.84
15 29 774,715.83 752,782.09 908,500.37
16 30 807,241.49 780,875.51 972,133.50
17 31 840,750.65 809,414.01 1,041,794.14
18 32 875,201.05 838,329.08 1,117,998.70
19 33 910,592.64 867,593.65 1,201,361.58
20 34 946,935.49 897,189.97 1,292,569.35
46 60 1,407,245.04 1,019,394.98 9,080,251.04
51 65 1,508,707.34 1,001,774.93 14,205,402.28
56 70 1,587,378.65 938,572.88 22,405,525.06
61 75 1,646,517.99 831,143.31 35,567,489.82
66 80 1,645,353.70 637,943.08 56,676,766.69
71 85 1,522,134.58 - 90,526,604.18
*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
The illustrated Total Death Benefit is comprised of the following:
1. Sum Assured;
2. Fund Value; and
3. One hundred twenty-five percent (125%) of all Top-ups less one hundred twenty-five (125%) of all Withdrawals on Top-up units, but not to fall
below zero (0).

Any Early Stage Cancer Benefit claims will be deducted from the Total Death Benefit.

All conditions stated in IMPORTANT ILLUSTRATION NOTES apply to this page.

Prepared by: CARMINA TAN PANGAN Page 4 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 ILLUSTRATION OF BENEFITS
PRULINK PROACTIVE FUND
Partial Projected Benefits (Full Withdrawable Value)
Annual Top-up Fund
Policy Year Attained Age Withdrawal
Premium Amount Allocation** Low (4.00%)* Current (2.70%)* High (10.00%)*
Amount
1 15 23,188.00 - - 4,637.60 - - -
2 16 23,188.00 - - 9,275.20 344.59 340.28 364.48
3 17 23,188.00 - - 13,912.80 5,123.50 5,054.66 5,442.89
4 18 23,188.00 - - 17,391.00 13,377.11 13,133.74 14,527.47
5 19 23,188.00 - - 23,188.00 27,523.13 26,911.28 30,467.32
6 20 23,188.00 - - 23,188.00 43,758.78 42,541.51 49,738.65
7 21 23,188.00 - - 23,188.00 58,480.30 56,499.13 68,433.06
8 22 23,188.00 - - 23,188.00 78,110.31 74,972.10 94,250.32
9 23 23,188.00 - - 23,188.00 94,541.90 90,137.19 117,751.81
10 24 23,188.00 - - 23,188.00 118,033.39 111,768.29 151,877.61
11 25 23,188.00 - - 25,506.80 154,208.66 145,131.96 204,472.82
12 26 23,188.00 - - 25,506.80 182,942.54 171,334.12 248,790.16
13 27 23,188.00 - - 25,506.80 212,697.39 198,117.01 297,403.73
14 28 23,188.00 - - 25,506.80 243,201.79 225,188.00 350,412.84
15 29 23,188.00 - - 25,506.80 274,715.83 252,782.09 408,500.37
16 30 23,188.00 - - 25,506.80 307,241.49 280,875.51 472,133.50
17 31 23,188.00 - - 25,506.80 340,750.65 309,414.01 541,794.14
18 32 23,188.00 - - 25,506.80 375,201.05 338,329.08 617,998.70
19 33 23,188.00 - - 25,506.80 410,592.64 367,593.65 701,361.58
20 34 23,188.00 - - 25,506.80 446,935.49 397,189.97 792,569.35
46 60 - - - - 907,245.04 519,394.98 8,580,251.04
51 65 - - - - 1,008,707.34 501,774.93 13,705,402.28
56 70 - - - - 1,087,378.65 438,572.88 21,905,525.06
61 75 - - - - 1,146,517.99 331,143.31 35,067,489.82
66 80 - - - - 1,145,353.70 137,943.08 56,176,766.69
71 85 - - - - 1,022,134.58 - 90,026,604.18
*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
**Fund allocation is the total allocated amount from Annual Premiums and Top-ups, and is inclusive of Loyalty Bonus, if any. Please see IMPORTANT ILLUSTRATION
NOTES page for the Premium Allocation Schedule.

Fund Description
Values are based on the projected performance of the Fund, and hence are
This Fund seeks to optimize medium- to long-term capital and
not guaranteed. In addition, the assumed investment returns used in projecting
income growth with emphasis on dynamic asset allocation by the LOW, CURRENT, and HIGH values represent a range of possible returns that
fund managers through investment in fixed income securities,
may be achieved by the Fund.
money market instruments, and shares of stocks listed in the
Philippines.

Fund Allocation The HIGH and LOW investment returns, at 10.00% and 4.00%, are those
prescribed by the Insurance Commission for illustration purposes and do not
represent the upper and lower limit of the actual investment return. The
Proactive (2.25% AMC*)
"CURRENT" investment return is based on the actual average investment
return of the Fund in the last thirty-six (36) months, as indicated in the
Historical Unit Fund Performance page, except that if the average exceeds
10.00%, the illustrated investment return is capped at 10.00%.
All conditions stated in IMPORTANT ILLUSTRATION NOTES apply to this
page.

*The Annual Management Charge (AMC) rate for Proactive Fund is guaranteed not to exceed
2.50%

Prepared by: CARMINA TAN PANGAN Page 5 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 IMPORTANT ILLUSTRATION NOTES
CHARGES

The following charges are borne by the Policyowner and deducted from the fund:
Premium Allocation Policy Fee

PhP 33.33 if within the premium

The Regular Premium Allocation Schedule paying period and PhP 16.67 after
shows the percentage of your Regular Premium the premium paying period. This fee
that is invested in your chosen fund in a is deducted each month and
particular year.
guaranteed not to exceed PhP 100.00
per month.

Premium Allocation 20% 40% 60% 75% 100%

Policy Year 1 2 3 4 5 up to end of

payment term Partial or Full Surrender Charges for fund withdrawals on Top-ups

The remaining percentage of the Regular Premium that is not invested in

your chosen fund per Policy Year is applied as Premium Charge. Applied based on the amount
withdrawn. The Policy Year will be
counted from the date the Top-up is
Annual Insurance Charge made. Below are the rates.

Inclusive of premium tax and Documentary

Stamp Tax, which starts at PHP 0.64 per Surrender Charges 5% 4% 3% 2% 1%
1,000 of the Sum Assured. Deductions from
the Fund shall be made monthly and may Policy Year 1 2 3 4 5
change within one Policy Year as monthly
Insurance Charges are based on the attained
age of the Life Insured. Any additional Annual Management Charge (AMC)
Death Benefit due to Top-ups is also subject
to the Annual Insurance Charge, deducted The AMC will be deducted from the
monthly. fund when the unit price is
calculated. The current AMC at the
time of application is stated in each
Rider Charges fund illustration page.
Pru Life UK reserves the right to
adjust the AMC up to the maximum
Deducted each month if there are any riders charge stated in each fund
attached. Deductions may change within illustration page but will not do so
one Policy Year as Rider Charges are based without giving you at least six (6)
on attained age of the Life Insured. months' prior notice.

Partial or Full Surrender Charges for fund withdrawals on Premiums

Applied based on the amount withdrawn.

The Policy Year will be counted from the
Policy Effectivity Date. Below are the rates.

Surrender Charge 50% 40% 35% 30% 25% 20% 20% 15% 15% 10%

Policy Year 1 2 3 4 5 6 7 8 9 10

Premium Holiday Charge

In case Premiums are not paid within the

grace period of 31 days from due date, a
Premium Holiday Charge will be deducted
from your account. This charge is calculated
as a percentage of the modal Regular
Premium due. Below are the rates.

Premium Holiday Charge 80% 60% 40% 25%

Policy Year 1 2 3 4

Prepared by: CARMINA TAN PANGAN Page 6 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 IMPORTANT ILLUSTRATION NOTES

ABOUT THE SALES ILLUSTRATION

This Sales Illustration shall form part of the insurance contract if the Policy is issued. For more information on what constitutes the entire
insurance contract, please ask your agent or refer to your policy booklet.
All payments and benefits are in Philippine Pesos.
Illustrated values assume that all Premiums are paid in full when due and as planned with no Premium Holiday and that the current charges
remain unchanged.

ABOUT THE FUND VALUE

The Annual Insurance Charge, Rider Charge (if any) and Policy Fee are to be deducted proportionately based on the particular fund’s share in the
Policy’s total Fund Value. It may happen that the LOW and CURRENT, or CURRENT and HIGH investment returns are the same for a particular
fund, but their year-on-year Full Withdrawal Values differ, because these charges are allocated to each fund based on the weight of the Fund to
the Policy’s total Fund Value.
The Fund Value may run out due to Partial Withdrawals, deduction of charges, and/or extreme market volatility. If the Fund Value is no longer
sufficient to pay for the Policy Fee, Insurance Charge, Rider Charge (if any), Premium Holiday Charge (if any), or other applicable charges, the
Policy automatically terminates on the day any such charges are due. In such an event, the remaining balance of your units which are no longer
suffi​
c ient to pay off outstanding charges will be refunded to you. You may make a Top-up, subject to existing rules and regulations, to keep the
Fund Value suffi​ c ient and your Policy in force.
If the Full Withdrawal Value is zero (0) in the early years: When the Full Withdrawal Value is zero (0), the Fund Value may be insu​f ficient to
cover the charges. To provide you with insurance coverage(s), we shall create a policy debt corresponding to the monthly charges while there is
no Fund Value, provided that Premiums are paid on time and there are no Fund Withdrawals. This policy debt, accumulated in your account
without interest, is extinguished if, and as, the Fund Value grows. The Policy will not be terminated on account of an outstanding policy debt
within the first four (4) years, provided that Premiums are paid on time and there are no Withdrawals from your account.
Top-ups are made at the beginning of the Policy Year, and Partial Withdrawals are made at the end of the Policy Year.
All Top-ups shall be subject to an initial charge of 3% of the Top-up amount.
The Loyalty Bonus is automatically added to the Fund starting on the 11th up to the 20th policy year subject to certain conditions.
Partial Withdrawals are funded by selling the number of units in your Fund that will cover the amount of your Partial Withdrawal. Partial
Withdrawals will first be drawn from the units in accordance with the order of Regular Premiums and/or Top-ups paid, on a first-in-first-out basis.
The values are Full Withdrawal Values net of withdrawals plus Top-ups. If Full Withdrawal Value is withdrawn, your Policy automatically
terminates, and all future withdrawals no longer apply.

THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT ARE BORNE SOLELY BY THE POLICYOWNER.

Reminder on Pre-existing Conditions

Pre-existing conditions, which are medical conditions, injuries or illnesses that the Life Insured had prior to the issuance of the Policy, are excluded
from coverage under this Policy. You may refer to the Product Highlight sheet and your Policy Contract for full details on pre-existing conditions and
other policy exclusions and limitations and the definition of Early Stage and Late Stage Cancer and Late Stage Critical Illness.

Prepared by: CARMINA TAN PANGAN Page 7 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 DECLARATION OF UNDERSTANDING
I have read and understood the disclosures in and the contents of this Sales Illustration. My agent has explained to my satisfaction the principal
features of the Policy, the contents of this Sales Illustration and how the variable benefits will reflect the investment experience of the separate
account(s). I fully understand the terms and conditions of this Policy and that, when buying this Policy, I am assuming all investment risks
associated with it.

I have read and understood my Investment Risk Profile in the Suitability Assessment Form and have assessed my risk appetite with the help of my
agent. I have considered my Investment Risk Profile in my choice of fund allocation.

I understand that the Policy terminates once the death benefit or the maturity benefit at age 85 has been paid. I also understand that in the event
of a claim, my Policy, including any optional benefits, will terminate if the aggregate amount of claim(s) paid under the Cancer Benefit is equal to
the Sum Assured under the Policy, exclusive of any optional benefits.

I have been provided all relevant sales materials, which have helped me assess the suitability of this product to my needs.

In addition, I understand that Pru Life UK has the right to vary the Insurance Charge, Policy Fee, Annual Management Charge, and any Rider Charge
and Extra Charge in the future but will not do so without the prior approval of the Insurance Commission.

ADULT OWNER MINOR INSURED

POLICYOWNER LIFE INSURED

ACKNOWLEDGEMENT OF VARIABILITY AND UNDERSTANDING

I acknowledge that:

I have applied with Pru Life UK for a Variable Life Insurance Policy and have reviewed the illustration(s) that shows how a life insurance policy
could perform using Pru Life UK’s assumptions and based on the Insurance Commission’s guidelines on investment returns.

I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual performance of
the fund at any given period and that the value of my Policy could be less than the capital invested. The unit values of my Variable Life Insurance
Policy are periodically published. Benefits connected to the fund value depend on the investment experience of separate account(s) linked to the
Policy. If the fund value becomes insufficient to pay for applicable charges, the Policy automatically terminates, and all benefits end.

I understand that the payment period is not guaranteed. If the fund value becomes insufficient to pay for applicable charges, top-ups may be
required for me to continuously enjoy the benefits of this Policy.

I understand that the investment risks under the Policy are to be borne solely by me, as the Policyowner.

I confirm that:
a. I have been furnished with copies of the Sales Illustration/quotation proposal, Product Highlight Sheet and any other relevant sales
materials (“Materials”);
b. The Materials have been properly, completely and satisfactorily explained to me; and
c. I have fully understood the Materials

I hereby declare that I accept, agree with and understand the features, benefits, nature, limitations, exclusions, risks, terms, and conditions of the
Policy that I am applying to purchase.

ADULT OWNER MINOR INSURED

POLICYOWNER LIFE INSURED

DATE OF SIGNING DATE OF SIGNING

Prepared by: CARMINA TAN PANGAN Page 8 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
 HISTORICAL UNIT FUND PERFORMANCE

The actual returns from Pru Life UK’s unit funds, net of final tax, Annual Management Charge and other investment expenses, are shown below. Please
note that past performance is not necessarily indicative of the future or likely performance of the funds.

Global
Equity
Equity
Money Navigator
Managed Growth Equity Proactive Index
Fund Name Bond Fund Market Fund - PhP
Fund Fund Fund** Fund Tracker
Fund Unhedged
Fund
Share
Class
(Nov. 08,
(Fund Launch Date) (Sep. 24, 2002) (Sep. 24, 2002) (Jul. 22, 2005) (Jul. 19, 2005) (Feb. 17, 2009) (Feb. 17, 2009) (Aug. 24, 2020)
2021)

2012 7.44 % 9.15 % 27.85 % 39.65 % 11.55 % -0.51 % N/A N/A

2013 6.52 % 5.20 % 1.39 % -0.72 % 3.21 % -0.80 % N/A N/A

2014 2.28 % 4.18 % 17.22 % 24.88 % 6.83 % -0.39 % N/A N/A

2015 -0.24 % -1.69 % -4.37 % -4.69 % -4.18 % 0.10 % N/A N/A

2016 0.96 % -0.06 % -1.79 % -1.96 % -1.84 % 0.32 % N/A N/A

2017 -1.29 % 4.41 % 19.27 % 23.42 % 13.01 % 0.84 % N/A N/A

2018 -6.32 % -8.40 % -12.83 % -13.82 % -11.33 % 1.56 % N/A N/A

2019 17.92 % 14.76 % 6.30 % 3.99 % 9.93 % 3.42 % N/A N/A

2020 8.98 % 6.22 % -4.49 % -8.59 % 1.30 % 1.73 % 23.25 %* N/A

2021 -4.91 % -4.13 % -1.24 % 0.05 % -3.12 % 0.75 % -0.75 % 2.05 %*

Compound Annual
Investment Return based 5.90 % 6.67 % 8.20 % 9.65 % 6.82 % 0.89 % 15.19 % N/A
on completed years
(since fund launch)

Average Annual
Investment Return for
the last 36 months 7.33 % 5.62 % 0.19 % 0.00 %*** 2.70 % 1.96 % N/A N/A
preceding December 31,
2021
*Returns are from fund inception date and not full year returns.
**The Equity Fund served as an underlying fund of the Managed and Growth Fund prior to Equity Fund's launch date.
***Equity Fund has an interest rate floor at zero percent (0%).

The assets in our unit funds are valued daily using the marked-to-market valuation method.
The unit prices of Pru Life UK’s unit funds are published in major newspapers every Friday. You may also log on to our website www.prulifeuk.com.ph
for the latest unit prices.

Certified true and correct:

Francis P. Ortega
EVP and Chief Financial Officer
Date of Certification: January 18, 2022
The Fund Manager, Eastspring Investments (Singapore) Limited (“Eastspring Investments”), is an ultimately wholly-owned subsidiary of Prudential plc of the
United Kingdom. Eastspring Investments and Prudential plc are not affiliated in any manner with Prudential Financial, Inc., a company whose principal place of
business is in the United States of America, or with the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the United Kingdom.
Eastspring Investments is the asset management arm of Prudential plc in Asia and has been managing Pru Life Insurance Corporation of U.K.’s (“Pru Life UK”)
underlying funds for its unit-linked or investment-linked product portfolio since Pru Life UK pioneered the PRULink product line in 2002.

The Fund Manager of PRULink Equity Index Tracker Fund is Pru Life UK Investments, an investment arm and a wholly-owned subsidiary of Pru Life UK. Pru Life UK
Investments is registered under the name Pru Life UK Asset Management and Trust Corp.

Prepared by: CARMINA TAN PANGAN Page 9 of 9

Agent code: 70072158

This Sales Illustration was prepared on 6/8/2023 and is valid until 8/7/2023. 3.2.1
PRUHealth Prime

P R O D U C T H I G H L I G H T S H E E T

PRUHealth Prime is an investment-linked life insurance plan payable for 20 years that offers death benefit, cancer coverage and hospitalization
benefits until age 85 of the Life Insured. It is one of the most competitive products in the market in terms of accelerated benefits, as it can advance
as much as 50% of the benefit amount or PhP 3.75 million for adult or PhP 1.5 million for juvenile, whichever is lower upon diagnosis of pre-defined
early stage cancer.

PRUHealth Prime is suitable for people who:

Want to protect their retirement money and have a separate fund at old age to cover for a possible cancer diagnosis
Are fully aware of the high cost of cancer treatment and want to be prepared in case life throws a curveball
Can commit to paying premiums for 20 years

Entry age 0 (30 days old) to 60 years old

Payment term 20-pay

Minimum sum assured PhP 500,000

Payment mode Annual, semi-annual, quarterly, or monthly

Benefit term Up to age 85

Premium Allocation Policy Year Issue Age 0-45 Issue Age 46-60
Percentage of regular premium that is Year 1 20% 40%
invested based on year of premium payment
Year 2 40% 60%

Year 3 60% 70%

Year 4 75% 85%

Year 5-20 100% 100%

Insurance charge Varies depending on the attained age of the Life Insured and is deducted monthly from the fund
value (applicable even after full payment of the Policy)

Annual management charge Current fund management fee which ranges from 0.5% to 2.25% depending on the type of fund

Annual management Premium payment period: PhP 400/year or 33.33/month

After premium payment period: PhP 200/year or 16.67/month

Available funds Wide array of funds which invest in bonds, equities, or both

Fund manager Eastspring Investments (Singapore) Limited and PRU Life UK Investments

It provides the following benefits:

Death Benefit: Base plan sum assured + fund value + 125% of all top-ups - 125% of all withdrawals on the top-up units - policy debt (if any) - Early
Stage Cancer payout (if any).
Early Stage Cancer Benefit: Advances 50% of the base plan sum assured capped at PhP 3.75 million for adult and PhP 1.5 million for juvenile per life
if you are diagnosed with any of the covered Early Stage Cancer conditions.
Late Stage Cancer Benefit: 100% of the base plan sum assured + fund value - Early Stage Cancer payout (if any) if you are diagnosed with any of
the covered Late Stage Cancer conditions. The plan terminates once the Late Stage Cancer Benefit has been paid.
Hospital Income Benefit In the event the Life Insured is admitted to hospital due to Early or Late Stage Cancer, we will pay a daily hospital
income of 0.125% of base plan sum assured subject to a maximum of PhP 10,000 per day. If hospital confinement is in the Intensive Care Unit,
twice the daily Hospital Income Benefit will be paid. This is payable only if claimed simultaneously with the corresponding Early or Late Stage
Cancer Benefit.
Post-Hospitalization Benefit: One-time payment of PhP 5,000 for specialist doctor visit due to Late Stage Cancer following hospitalization
discharge.
Maturity Benefit: This is given when you outlive your plan (at age 85). This will be equal to the base plan sum assured + fund value - Early Stage
Cancer payout (if any).
Loyalty Bonus: Provides an additional allocation equivalent to 10% of the regular premium starting on the 11th year through the 20th year of the
plan subject to certain conditions.
Optional Benefits:
Protection against other critical illness conditions
Select Top 4 Critical Illness
Select 52 Critical Illness
Protection against accident, disability and death
Non-accelerated Total and Permanent Disability
Accidental Death and Disablement Benefit
Waiver of Premium on Total and Permanent Disability
Enhanced security on your child’s coverage
Payor Term
Payor Waiver of Regular Premium Benefit

Must know about PRUHealth Prime:

This is an investment-linked product. PRUHealth Prime provides insurance benefits upon early and late stage cancer diagnosis, hospitalization,
maturity or death. However, the fund value and the number of years to pay the premium are not guaranteed. The fund value is dependent on the
performance of the chosen funds and influenced by market conditions.
You have 15 days to decide if you really want this product or not. The first fifteen (15) days from the date the policy contract was received is
referred to as the “cooling-off​
period”. During this time, the Company encourages you to read your policy and understand its benefits and risks.
Should you decide that this product is not for you, we will return any applied charges plus the fund value, which may or may not be lower than the
premium you paid. The cooling-off​ period also applies to Select Top 4 and Select 52 Critical Illness riders. However, the amount to be refunded will
be the rider premium you paid in full.

Factors that may affect your filing of claim:

Contestability period. During the first two (2) years of the plan and two (2) years from the effective date of any increase in sum assured, the
Company can review your coverage for anything you concealed or misrepresented during the application process. If after the investigation it
appears that you misrepresented or withheld about any health- or lifestyle-related information, the Company can rescind your plan and deny your
claim.
Waiting period. Filing of early stage and late stage cancer or critical illness claim can only be done after ninety (90) days from the plan’s issuance.
Additionally, if either Select Top 4 or Select 52 Critical Illness rider is attached to the plan, a waiting period of twelve (12) months from the
approval date of the late stage critical illness claim will apply before a claim for the plan’s Late Stage Cancer Benefit may be made.
Survival period: Early or late stage cancer or critical illness benefits will be paid provided that the Life Insured survives thirty (30) days from the
date of diagnosis.
Hospitalization benefit. This is payable only if claimed simultaneously with the corresponding Early Stage and/or Late Stage Cancer Benefit.
Pre-existing conditions. These are medical conditions, injuries or illnesses that the Life Insured had prior to the issuance of the plan that are
excluded from the coverage.
Exclusions. This plan and the benefits attachable to it has other conditions and exclusions that may affect the payment of the insurance proceeds.
Refer to your policy contract for complete information about exclusions.
Fund su​fficiency. The fund value may run out due to withdrawals, deduction of charges and/or extreme market instability. If the fund value is no
longer enough to pay for the policy fees and charges, the plan automatically terminates.
Suicide: The death benefit is not payable if death is caused by suicide within the first two (2) years of the plan, unless the suicide was committed in
a state of insanity.

Charges you incur:

Insurance charges collected until age 85. The cost of insurance (COI) on the base plan are deducted in units from the fund until age 85 of the Life
Insured. If optional benefits are attached to the plan, deduction for the COI for said benefits is until the end of their coverage period. The COI
increases based on the attained age of the Life Insured.
Partial or full withdrawal of fund value. These transactions have corresponding charges depending on whether the withdrawal will be drawn from
the premiums or top-ups. Partial withdrawals reduce the fund value of the plan. Substantial withdrawals may lead to the depletion of the fund
value which may eventually lead to the termination of the plan.
 Consequence of non-payment of premium. If you fail to pay the premium, you are given thirty-one (31) days from your due date to make such
payment (also called as the grace period). If no payment was received after the grace period and there are enough units in your account, your
coverage continues. However, a Premium Holiday Charge will be applied. The said charge will be a percentage of the modal regular premium due
in a particular year. Your plan may remain in force if the amount of fund value is enough to pay the applicable charges. If not, the plan will lapse,
and the benefits will cease.

Definition of risks:

An investment-linked product such as PRUHealth Prime is subject to certain risks which could affect the fund value of the plan. For your reference,
below are the risks associated with your plan:

Investment Risk: This risk refers to the probability or likelihood of occurrence of losses relative to the expected return on any particular
investment.
Credit Risk: This risk refers to the probability that a counterparty to an investment may not be able to fulfill its obligations, accordingly, resulting
in an adverse effect on the value of a money market or debt security such as a bond.
Currency Risk (or Foreign Exchange Risk): This risk refers to the probability of the occurrence of losses due to fluctuations in foreign exchange
rates. Currency exchange rates depend on a variety of global and local factors such as interest rates, economic performance, and political
developments. The value of an investment held in foreign currency, such as the US Dollar, may decrease to incur loss when the local currency or
Philippine Peso appreciates.
Interest Rate Risk: This risk refers to the possibility that the value of an investment in a debt instrument may rise or fall due to changes in interest
rates. Interest rate changes may affect the prices of debt instruments such as bonds inversely, i.e. as interest rates rise, bond prices fall and when
interest rates decline, bond prices rise.
Liquidity Risk: This risk refers to the possibility of the occurrence of losses due to the inability to sell or convert assets into cash immediately or in
instances where conversion to cash is possible but at a loss. This risk occurs when certain securities may be difficult or impossible to sell at a
particular time, which may prevent the Company from performing redemption services for Policyowners.
Mark-to-Market Risk: This risk refers to the probability that the market value of an investment will rise or fall based on overall market conditions.
The value of the market can vary with changes in the general economic and financial conditions as well as political, social and environmental
factors.

Other important disclosures:

Buying an investment-linked insurance plan is a long-term commitment. It is not advisable to hold this plan for a short period of time in view of the
high initial costs. Nonetheless, you can apply to fully withdraw (surrender) your plan at any time. This however results to the cancellation of your
plan. The full withdrawal value consists of the value of the units in the plan less the surrender charge, if any. We pay you the value of the units in
the plan by selling all the units allocated to your plan after accepting your application.
The performance of the investment funds associated with this insurance product is valuated every day. You may visit our website
www.prulifeuk.com.ph to track the unit price on a daily basis. The unit price is also published every Friday in major dailies.

This document provides you with key information about PRUHealth Prime. This does not form part of the Policy Contract. Please consult your agent
for further information and/or a customized proposal.

IMPORTANT NOTE:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLYING ASSETS AND IS NOT A PURE
INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. YOU MUST EVALUATE YOUR OPTIONS CAREFULLY AND ENSURE THAT THE
INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEETS YOUR RISK APPETITE, AND THAT YOU CAN AFFORD THE PREMIUM
THROUGHOUT THE POLICY DURATION. YOU CAN MAKE TOP-UPS TO INCREASE THE FUND VALUE OF YOUR PLAN SUBJECT TO
THE COMPANY'S GUIDELINES FOR SUCH TRANSACTION. YOU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND
DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION. IT IS IMPORTANT
THAT ANY RECEIPT THAT YOU RECEIVE SHOULD BE KEPT AS PROOF OF PAYMENT OF PREMIUMS.