PRU LIFE UK

A. The Company

Prudential U.K. plc - Since 1848 with £505Bn Funds Under Management
Owns Jackson National Life (U.S.A.), M&G Investments (Europe)

www.prudential.co.uk

Prudential Corporation Asia –

Operates in 13 Countries across Asia

www.prudentialcorporation-asia.com

Pru Life U.K. - Pioneer in Investment-Linked Products in the Philippines

www.prulifeuk.com.ph

B. Why Insurance is so Important?

1. It protects againsts uplanned events – accident, hospitalization, contracting

a critical illness, disability.
www.cancer.org
Risk of Developing Cancer (Male) – 44.29%
Risk of Dying from Cancer (Male) – 23.20%
Top – Lung, Prostate, Colon

Risk of Developing Cancer (Female) – 37.76%

Risk of Dying from Cancer (Female) – 19.58%
Top – Lung, Breast, Ovary

2. It can be used as an investment tool

Part of the premiums is directed to the markets, so your money grows over the long
term and it can provide healthy returns.

3. It can be used for planning your children's future

Having an insurance provides cash in the event we are taken out of the picture.
Fund Values can be withdrawn as educational fund.

4. It can be used as a good retirement tool

Save during your productive years, this will be used when you retire. An average person
works for 40 years and retires for 20 years. For every 2 years we work, we need to support
1 year of our retirement.

5. It gives you peace of mind

Set the basics in place, protect yourself and invest for your retirement before you splurge.

Daniel Lorenzo Tibayan * Pru Life UK * Assistant Unit Manager * Financial Consultant * 0933 940 4206 * plukdanieltibayan@gmail.com
 C. Choose your Investment Option (as of January 4, 2016)

Savings and Investment is a life long process. Remember that for every 2 years of our work life. We
need to support 1 year of our retirement. Remember also etirement comes at the latter part of
our lives, where we also need medical care.
Bond Fund Managed Fund ProActive Fund Growth Fund Equity Fund
100% Bonds 80% Dynamic 20% Bonds/ 80% 100% Stocks
Bonds/20%Stocks Allocation Stocks
P20.50 P 6.91 P16.09 P 9.64 P31.69
Bn Bn Bn Bn Bn
7.33% 8.70% 16.09% 13.22% 9.52%
* Per Annum Return Since Inception
D. Protection Benefits

1. Life Insurance Protection

2. Total and Permanent Disability – Lump Sum

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
have 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
both hands or feet, or of one hand and one foot are considered total and permanent disability

Or Disability is considered total and permanent when the Life Insured is permanently unable to undertake without
assistance 3 or more of the following – continence, dressing, bathing, feeding, mobility or transferring.

3. Life Care Benefit – Lump Sum

1. Heart Attack 19. End-stage liver disease

2. Stroke 20. Coma
3. Cancer 21. Deafness
4. Major Organ Transplant 22. Loss of Speech
5. Renal Failure 23. Major Burns
6. Multiple Sclerosis 24. Paralysis
7. Motor Neurone Disease 25. Alzheimer’s Disease
8. Heart Valve Surgery 26. Fulminant Hepatitis
9. Coronory Artery Bypass Surgery 27. Primary Pulmonary Hypertension
10. Parkinson’s Disease 28. Terminal Illness
11. Muscular Dystrophy 29. HIV due to blood transfusion and
occupationally acquired
12. Poliomyelities 30. Encephalitis
13. Aortal Surgery 31. Major Head Trauma
14. Bacterial Meningitis 32. Apallic Syndrome
15. Brain Tumor 33. Progressive Scleroderma
16. Aplastic Anemia 34. Systemic Lupus Erythematosus with Lupus
Nephritis
17. Blindness 35. Brain Surgery
18. End-stage lung disease 36. Medullary Cystic Disease

4. Accidental Death and Dismemberment

 Loss of Life 100%
 Loss of both hands 100%
 Loss of both feet 100%
 Loss of both sight of both eyes 100%
 Loss of one hand and sight of one-eye 100%
 Loss of one foot and sight of one-eye 100%
 Loss of one foot 50%

Daniel Lorenzo Tibayan * Pru Life UK * Assistant Unit Manager * Financial Consultant * 0933 940 4206 * plukdanieltibayan@gmail.com
  Loss of one hand 50%
 Loss sight of one-eye 50%
 Loss of hearing in both ears 50%
 Loss of both thumbs 25%
 Loss of one thumb 10%
 Loss of finger (each) 10%
 Loss of hearing in one ear 10%

Summary of Benefits

Name: SHINSHA CAMILLE PANGILINAN

Age: 28
Savings Contribution
PEP 5 PAA+
Monthly Premium 5,035.92 5,000
Annual Premium 60,431 60,000
Saving Years 5 Years As long as you want

Protection Benefits

Life Insurance 600,000 2,000,000

Accelerated Total and 250,000 950,000
Permanent Disability (TPD)
Accidental Death and 500,000 2,000,000
Disablement
Accelerated Life Care Benefit 250,000 950,000
Life Care Plus n/a 500,000
Waiver of Premium on TPD 60,000 60,000
Life Care Waiver n/a 60,000

Withdrawable Fund Value*

Fund Value ( Year 5 ) 251,619.72 124,709.62

Fund Value ( Year 10 ) 386,143.70 479,051.23
Fund Value ( Year 20 ) 924,419.48 1,873,171.61
Fund Value ( Year 32 ) @ 60 2,667,488.64 5,788,427.14
Fund Value ( Year 37 )@ 65 4,157,438.80 8,882,561.76
 Projected at 10% Fund Growth.

(The program can be adjusted base on your needs and wants).

Daniel Lorenzo Tibayan * Pru Life UK * Assistant Unit Manager * Financial Consultant * 0933 940 4206 * plukdanieltibayan@gmail.com