b1ec2e9fe4749f00cff462503filesAFAS23 18 Pru Rewards 2023 v5 FIN

REF.NO.
AFAS23-018
RESTRICTED FOR INTERNAL USE ONLY. NOT FOR ONLINE POSTING.
08 February 2023
To: AGENCY FORCE
From: ENG TENG WONG

DIVINA H. FURAGGANAN
CC: GM & CCO; DCAO; NSD; SHs; SDs; Distributor Development; Segment Marketing;
PRUventure; Distribution Accounting; Corporate Performance Management (FPRA); Actuarial
RE: PRU REWARDS 2023
Qualify to these amazing incentive trip destinations and

recognition programs this 2023!
Trip Incentives
• Star Club International Convention (SCIC) – Alaskan Cruise (regular); Vancouver Extension
(elite)
• Protection Drive – Dubai
• President’s Club
• Prudential Agency Leaders’ Conference (PALC)
Industry recognition programs and related PLUK incentives
• Million Dollar Round Table (MDRT)
• MDRT Subsidy
• Home of MDRTs / hMDRT Builder
• MDRT Consecutive Qualification Bonus
• General Manager and Agents’ Association (GAMA)
Recognition Programs
• Annual Special Awards
• General Agency Special Awards
• Achievers’ Club
• Achievers’ Club – Excellence Awards
• Early Contenders’ Recognition
• Quality Circle Award
• Service Awards
• Century Club
• Pru Service Mark
• Million Dollar Agency (MDA)
MA. DIVINA H. FURAGGANAN ENG TENG WONG

Executive Vice President and CDO President and CEO
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REF.NO. AFAS23-018
STAR CLUB INTERNATIONAL CONVENTION (SCIC)
Regular Destination: Alaskan Cruise (regular qualification, via Vancouver) and

Alaskan Cruise with Vancouver extension (elite)
Inclusive Dates: 1 January to 31 December 2023
Qualifying Requirements:
Qualification Elite
Level NAP Requirements NAP Requirements Cases Persistency New Average
Rider Rider Recruits Active
Regular Attachment Regular Attachment Personal Team Agents
NAP * NAP *
Agent 4,750,000 950,000 7,050,000 1,450,000 24 85% n/a n/a n/a
UM 21,900,000 4,500,000 32,500,000 6,500,000 n/a 85% 83% 36 15
BM 76,500,000 15,300,000 113,600,000 22,750,000 n/a 85% 80% 150 75
AM 267,700,000 53,600,000 397,300,000 79,500,000 n/a 85% 80% 550 240
DM 670,000,000 134,000,000 993,200,000 198,700,000 n/a 85% 80% 960 600
* Rider Attachment NAP will come from OL and UL products with at least three (3) optional riders.
SCIC is open to all agents and agency leaders. An Assistant Unit Manager (AUM) and a Junior Unit Manager
(JUM) will participate in the SCIC as an agent.
An agency leader may qualify as an agent based on personal production or on team production. An agency
leader may also qualify on a lower agency leader position.
Early Qualification, Regular Qualification and Pocket Money Guidelines:
The Pocket Money Challenge and Early Qualification Periods are available only for the first seat.
For Early Qualification with Pocket Money, an agent or agency leader must meet NAP and Rider Attachment
NAP requirements before the end of the contest period. Other metrics (Cases, Persistency, New Recruits and
Average Active Agent) can be complied with by 31 December 2023. The amount of the pocket money will depend
on the month the contender met 100% of the SCIC qualification and Rider Attachment NAP as below:
• By YTD July 2023 : USD 750
• By YTD September 2023 : USD 500
The pocket money will be the PhP equivalent of USD values above, net of applicable withholding tax. This will be
credited to a qualifier’s payroll account, using the applicable exchange rate at the time of crediting. Crediting of
the pocket money is contingent on official qualification to the 2023 SCIC which means that the qualifier met all
SCIC parameters by 31 December 2023.
The pocket money is only payable once per person. It will not be paid on multiple qualification. For example, an
agency leader who qualifies early with pocket money for both the agent and agency leader level will only be paid
one pocket money.
Multiple Qualification:
An agent or agency leader may qualify for multiple seats subject to a maximum of four (4). The maximum
considers all possible qualification seats across all agency force levels. For example, a BM who qualifies for two
(2) seats as an agent on personal production, may still work two (2) more seats from any of his leader positions
(BM or UM).
Netting will be applied for an agency leader who qualifies as an agent or through a lower agency leader position.
Any NAP (qualification and rider attachment) used by the agency leader to qualify as an agent or for a lower
agency leader position will be carved out from qualification in a higher position.
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REF.NO. AFAS23-018
The company will award the qualification level based on highest possible number of seats. As an example, a BM
who qualifies for 2 seats as UM OR 1 seat as BM shall be awarded the 2 UM seats. In this example, the
persistency requirement shall be on personal, unit (seat qualification) and branch (highest appointment) levels.
Extra seats will require the equivalent multiple of qualification NAP and Rider Attachment NAP requirements at
Regular Qualification Parameters. These do not require an increase in case count, new recruit and average
monthly active agent requirement.
Elite Qualification
Agency members will have a choice between applying his NAP credits to Regular + Elite destinations OR more
seats to the Regular Destination. Alternatively, he can apply his NAP credits to Regular + Elite destinations and
any excess NAP shall be applied to the Regular Destination.
An elite seat means that the qualifier is entitled to both the Regular and Elite destinations.
Regular NAP Crediting:
Regular NAP requirement (e.g. 4,750,000 under agent level) is the total issued NAP from all business lines and
from all transactions regardless of submission date, case size and attachment or non-attachment of optional
riders. NAP will come from issued new businesses including all transactions such as endorsements, top-ups,
endorsements, cancellations, lapses and reinstatements effected during the contest period regardless of base
plan submission and first issue date.
Rider Attachment NAP Crediting:
Rider Attachment NAP requirement (e.g. 950,000 under agent level is already included in the 4,750,000
qualification NAP) is 20% of the regular NAP requirement.
Rider Attachment NAP credit will come from OL and UL products with at least three (3) optional riders. These are
all available plans with the exception of the following: PruMillionaire, A&H plans and stand-alone critical illness
products.
The riders that will be included in the count of three (3) optional riders for the Rider Attachment NAP credit may
be any of the available riders except the following:
◼ Riders such as TPD and ADD which are core riders or core benefits of regular-pay and limited-pay unit-
linked plans (except in the case of the PruHealth Prime as TPD and ADD are optional riders in this
product)
◼ VL top-up rider* made to PruMax Invest and PruLife your Term
*rider premium status must be paid
The optional riders must be in-force optional riders as at 31 December 2023.
Positive endorsements made to a 2023 UL issued policy whereby the addition of riders was made after base plan
issuance will result to a Rider Attachment NAP credit adjustment, provided such amendment was effected during
the contest period. As an example, where a product was issued with only one (1) or two (2) optional rider/s hence
not included in the rider attachment NAP, when amended to have a complement of three (3) optional riders will
result to rider attachment NAP credits.
Rider Attachment NAP will come from issued new businesses including all transactions such as endorsements,
top-ups, positive / negative, endorsements, cancellations, lapses and reinstatements made on the above
protection products that are effected during the contest period regardless of base plan submission date.
New recruits and Average Active Agents
Basis of new recruits is net recruitment count; where new agents coded during the contest period who were
delisted in the same period will be deducted from recruitment credits.
Basis for determining whether the agent was activated shall be net issued case count during the month.
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REF.NO. AFAS23-018
Agency leaders with recruitment and/or AAA shortfall will still be able to qualify to SCIC contingent on the
following:
◼ Recruitment and AAA achievement in 2023 must have been at least 75% of the SCIC new recruit count/
AAA target
◼ Each lacking recruitment credit has been compensated with PhP 100,000 SCIC qualification NAP where
PhP 20,000 of the 100K is rider-attachment NAP. For example, a BM who lacks 5 new recruits to qualify
as a BM should have an additional branch issued NAP of PhP 500,000 where PhP 100,000 is rider-
attachment NAP.
◼ Each lacking active agent count has been compensated with PhP 100,000 SCIC qualification NAP
where PhP 20,000 of the 100K is rider-attachment NAP. For example, a UM with an AAA of 14 short of
the 15 AAA means that he needs to have activated 12 agents throughout 2023 (1 AA per month). This
UM should have an additional unit issued NAP of PhP 1,200,000 where PhP 240,000 is rider-
attachment NAP.
◼ The NAP used to compensate recruitment and/or AAA shortfall is over and above the SCIC qualification
and rider-attachment NAP targets.
◼ This privilege is capped at one (1) SCIC seat; regardless of level.
Case Count
Case count will consider all business lines provided issued within January 1-December 31, 2023. Refer to the
case count crediting guidelines in the PruRewards House Rules for further details.
Agents and agency leaders (on personal production) with case count shortfall will still be able to qualify to SCIC
contingent on the following:
◼ Case count achievement in 2023 must have been at least 75% of the SCIC case count target (18 cases)
◼ Each lacking CC credit has been compensated with PhP 100,000 SCIC qualification NAP where PhP
20,000 of the 100K is rider-attachment NAP. For example, an agent who lacks 3 CC to qualify should
have an additional issued NAP of PhP 300,000 where PhP 60,000 is rider-attachment NAP.
◼ The NAP used to compensate CC shortfall is over and above the SCIC qualification and rider-
attachment NAP targets.
◼ This privilege is capped at one (1) SCIC seat; regardless of level.
Persistency Requirements:
Agents and agency leaders must meet persistency requirements prescribed for SCIC qualification. These
requirements are enumerated as follows:
• Personal Persistency: 85%
• Unit Persistency: 83%
• Branch Persistency: 80%
• Area Persistency: 80%
• District Persistency: 80%
Agency leaders qualifying to SCIC via team production must satisfy both personal and team persistency. The
persistency requirement that will be required shall be based on the level qualified for. Refer to examples below
for more details:
o BM qualified as agent: will be required to validate personal PR only
o BM qualified as UM: will be required to validate personal PR and unit PR only
o BM qualified as BM: will be required to validate personal PR and branch PR
PRUone contest crediting rules:PRUone and non-PRUone businesses will get 100% contest credit. This
guideline will apply until further notice.
* Contest credits being referred to here are those that relate to APE, NAP, case count and active agent count; to
the exclusion of all other production-based contest parameters.
* Issued businesses from other digital platforms outside of PRUone such as those from PULSE, PRUshoppe and
PRUshoppe in PULSE will get 100% contest credit (except digital bite-sized, digital microinsurance and GCash
products).
All other transactions (lapsations, reinstatements, cancellations, endorsements and top-ups) will follow the
production credit of the base plan = whether PRUone or non-PRUone.
Any carryover business from 2022 will be counted for 2023 provided they have not been considered for 2022
incentives, contests or recognition.
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REF.NO. AFAS23-018
PROTECTION DRIVE
Destination: Dubai
Inclusive Dates: 1 January to 31 October 2023
ISSUED # OF PROTECTION PERSISTENCY
LEVEL ISSUED NAP CASE COUNT SELLERS PERSONAL TEAM
Agent 1,200,000 12 n/a 85% --
UM 7,500,000 n/a 25 85% 83%
BM 30,000,000 n/a 120 85% 80%
AM 100,000,000 n/a 360 85% 80%
DM 290,000,000 n/a 1,080 85% 80%
Maximum of 4 seats can be won in the Protection Drive. Multiple qualification will only require the equivalent
multiple of issued NAP requirement and not the issued case count and number of protection sellers’ requirement.
Agency leaders may qualify on highest appointment or at branch-level or via personal production. This means
that UMs and BMs may qualify as UMs and BMs respectively or as personal producers. Meanwhile, AMs and
DMs may qualify on highest appointment (as AMs and DMs, respectively), or as BMs, or as personal producers.
Leaders appointed in 2023 as UMs, BMs, AMs or DMs will be able to compete in their highest appointment and in
a previous role. Contest credits when competing in the new role shall be from appointment date up to the end of
the contest period. Contest credits when competing in a previous role shall be for entire contest period.
Netting will be applied for a 2023 appointed agency leader who qualifies in his highest appointment and in his
previous role. NAP used by the agency leader to qualify in a lower agency leader position after his appointment
will be carved out from his qualification in a higher position.
Products that will be considered as contest credits are protection plans which are the following:
• PAA variants: PAAPlus, PAA Low Premium and PAA Worksite
• OL plans: PRUMax Invest, PRUTerm15, PruLife your Term, PRULife, PRUHealth FamLove
• A&H plans: PA Stand-alone, PRUwellness, PRUshield and stand-alone critical illness products
(LCP, LCAP and MLCP)
• Limited Pay UL: Pru Elite Protector 15, Elite Protector 10 and PRUHealth Prime
• Group plans: Enterprise Business
Issued NAP
Issued NAP refers to the Total NAP from issued protection products as mentioned above, regardless of
submission dates and case size, including endorsements (positive or negative), reinstatement and net of
cancellations and lapsations effected during the contest period.
Issued Case Count
The following shall apply in determining the number of case count:
a. New businesses from products covered in the contest (except A&H) shall be given 1 case count credit
provided base plan sum assured of the new business is at least PhP 2,200,000*.
b. New businesses from products covered in the contest (except A&H) with less than PhP 2,200,000 sum
assured will be accumulated to determine case count whereby the following computation shall be used:
Cumulative sum assured from these cases

2,200,000
Quotient shall be rounded-down to the nearest whole number.
*Sum assured of covered or applicable new business products that are issued during the contest period. It will
exclude sum assured from single premium businesses, A&H plans, all types of top-ups and sum assured
provided by riders**.
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REF.NO. AFAS23-018
**Sum assured from riders, whether accelerated or non-accelerated, such as Life Care Plus, Additional Term and
Payor Term are excluded. If due to the addition of riders, total premium increased resulting to increased base
plan sum assured, such base plan sum assured will be considered in determining the average sum assured.
Amendments made to the base plan resulting to increased sum assured will be considered in determining case
count credits provided base plan issue date and sum assured amendment date are within the contest period.
For Enterprise Business, sum assured is determined by accumulating the total sum assured from all lives
covered in the EB account. One (1) EB account covering a number of lives will be assigned one (1) protection
case count credit; subject to sum assured guidelines. The agent who issued this EB account and who earned a
protection CC credit will also be counted as a protection seller for purposes of determining leader qualification.
Case count credits shall be net of cancellations, lapses and reinstated cases.
Sum assured of dollar policies shall be based on system conversion rate. As an example, a new business issued
in April 5, 2023 will be based on April 2023 system dollar conversion rate.
A joint case regardless of the sum assured will have to be complemented by another joint case to complete the
case count credit. A fraction of case count credits will not be rounded up.
Number of Protection Sellers
Number of Protection Sellers is the number of ‘distinct’ agents in the team who have produced at least one (1)
issued protection case as defined in the case count rule (based on sum assured) described above. A manager
with personal production will be counted in this category. The protection seller must have an active appointment
status in the system by 31 October 2023.
In validating the number of protection sellers in the team, hierarchy upon issuance of the FIRST protection
policy/ies shall be used.
As an example, please refer to scenario below for an agent affiliated with Branch A but then became aligned
under Branch B upon the Branch Manager appointment of BM B.
a. Agent became a Protection Seller prior to BM B’s appointment – number of protection seller credit goes
to BM A’s branch
b. Agent became a Protection Seller after BM B’s appointment – number of protection seller credit goes to
BM B’s branch.
Basis therefore is policy hierarchy upon issuance of the first protection policy. If first protection policy sold by the
agent is below PhP 2.2M sum assured but over time was accumulated to reach PhP 2.2M sum assured, the
protection seller credit goes to the BM hierarchy of the first issued policy notwithstanding if the subsequently sold
policies were under the new BM hierarchy.
Persistency Requirements:
Agents and agency leaders must meet persistency requirements prescribed for Protection Drive qualification.
These requirements are enumerated as follows:
Agency leaders qualifying to the Protection Drive via team production must satisfy both personal and team
persistency. The persistency requirement that will be required shall be based on the level qualified for. Refer to
examples below for more details:
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REF.NO. AFAS23-018
PRUone contest crediting rules:
PRUone and non-PRUone businesses will get 100% contest credit. This guideline will apply until further notice.
products).
PRESIDENT’S CLUB (PC)
Destination: TBD
NAP PERSISTENCY
LEVEL OTHER REQUIREMENTS*
RANKING PERSONAL TEAM
Agent Top 6 85% - All SCIC requirements
UM Top 5 85% 83% All SCIC requirements (at highest appointment)
BM Top 4 85% 80% All SCIC requirements (at highest appointment)
AM Top 3 85% 80% All SCIC requirements (at highest appointment)
DM Top 2 85% 80% All SCIC requirements (at highest appointment)
*Besides meeting the 2023 SCIC requirements, President’s Club Official Qualifiers must also meet 100% of the
2023 retention requirements. This shall be based on direct team achievement thus excluding the impact of spin-
off credits. Refer to the 2023 Appointment, Retention, Segmentation and Benefits for more details.
The PC is open to all agents and agency leaders.
Agency leaders will compete in their highest agency leader position as of 31 December 2023. For example, an
AM will be considered for the PC as an AM and will not be allowed to compete at BM and UM levels.
Managers appointed to a higher agency leader position during the current year will also be validated on highest
appointment. For example, a BM appointed as an AM in October 2023 will compete as an Area Manager.
An Assistant Unit Manager (AUM) and a Junior Unit Manager (JUM) will compete in the PC as an agent.
The following tie-breaker provision shall be applied:

1st Level: Issued case count using YTD Dec 2023 production covering OL/UL cases with PhP
36,000 NAP per case. Top-ups will be included subject to usual case count crediting
rules where a PhP 10,000 top-up NAP will be given case count credit.
2nd Level: Issued NAP growth rate (YTD 2023 versus YTD 2022)
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REF.NO. AFAS23-018
Great news! There are now 5 new additional slots for the President’s Club on top of the 10; bringing the total to
35 seats! See how you can be a PC qualifier this year:
Method # of PC Particulars
slots
◼ Q1- to Q4-2023 consistent Life Club Beyond

Qualifier, regardless of number of Life Club stars
Performance ◼ Minimum of 36 new business cases for 2023
Gates
◼ 2023 National Achiever
Top Life Club Beyond qualifier in terms of
By becoming the PC Qualifier
2023 case count
Top Life Club Beyond 1
qualifier based on Open to all agents. Agency leaders will qualify via personal production.
2023 number of cases
The basis of the new business cases is net issued case count (all new
business lines, regardless of submission date and case size). Cancelled and
lapsed cases that are issued in 2023 will reduce the case count credit.
Tie-breaker provision:
1st level: 2023 average sum assured as measured in the Life Club
2nd level: Number of Life Club stars achieved thus far
• 100 new lives in 2023

Performance
Gates • 2023 National Achiever
PC Qualifier Top Agent in terms of number of new lives

By becoming the Top
Agent in terms of 2023 1 • Open to all agents. Agency leaders will qualify via personal
number of new lives production.
• New lives refer to the life insured under the policy and must be a first-
time life insured client in Pru Life UK where the issue date of such
first policy is between January 1 and December 31, 2023.
• Covers all plan types where OL/UL businesses get 1:1 new life credit
while A&H plans get 3:1 new life credit. This is regardless of APE.
• Each unique life is counted only once. Hence, if a Life is covered
under several policies, he will be counted as 1 Life.
• Orphan adoptions are not counted as new lives.
• Reinstatement of a lapsed policy will not result in a new life for the
reinstating agent.
• PAA Worksite and Worksite Plus plans are included since these are
individual policies. Basis shall be the number of insureds and not the
policy owner. The count of insured persons will correspond to the
count of new lives covered.
• Individual policies resulting from employer-paid programs will be
counted as contest businesses; these are policies that are registered
in the Pru Life UK systems.
• Lives under group programs (group life and group PA) are not
counted as only lives under individual policies are included.
• If a new client purchased multiple policies from different servicing
agents during the contest period, credit will be given to the servicing
agent of the first issued policy. In case issue dates are similar, basis
shall be the policy number wherein the lower policy number will be
deemed as having been issued earlier.
• If a new client purchased a new policy both from a soliciting agent
and from TPD, credit will be given to the soliciting agent.
1st level tie breaker: 2023 Issued APE (OL and UL lines, all transactions,
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REF.NO. AFAS23-018
regardless of submission date and case size)
2nd level tie breaker: 2023 issued net case count (OL and UL lines regardless
of submission date and case size)
• 4 new HNW clients by 31 December 2023

Performance
• PRUPremiere Qualifier based on 2023
performance year
PC Qualifier Top agent in terms of count of HNW clients
Open to all agents. Agency leaders will qualify via personal production.
The ranking will be based on the count of new and active HNW clients by 31
December 2023. New HNW clients in 2023 may be a new customer or an
By becoming the top existing PLUK client who was converted to a HNW client within 2023.
Agent in terms of count 1
of new high net worth A HNW client is one whose total accumulated in-force APE is at least PhP
(HNW) clients
1,000,000 (from PLUK in-force policies as of 31 December 2023).
A PRUPremiere qualifier is an agent who is servicing at least four (4)

PRUPremiere customers, issued at least PhP 2M APE in 2023, at least a one
(1) time MDRT and with 85% personal persistency.
The accumulated in-force APE is based on policies owned by the high net
worth client (HNW client as PO/Payor) regardless of servicing agent. The
agent on record who sold the latest policy in 2023 will be given contest credits.
Digital bite-sized insurance products (PRUDengue MedCare, PRUDengue

MedCare Pro, Breast Cancer Basic, Breast Cancer Extra, etc); digital micro-
insurance products (PRUMedCare Infectious Diseases, etc.); GCash PA
products; Enterprise Business sales; and all similar products yet to be
launched are excluded as contest credits.
1st level: Total accumulated in-force APE of all the new HNW clients serviced
by the agent
2nd level: Total accumulated in-force APE from 2023 issued businesses sold
by the agent to HNW clients
• 6 lead conversions to OL/UL from PRULeads

Performance
PC Qualifier Top Agent in terms of number of PRULeads conversions
• Open to all agents. Agency leaders will qualify via personal

production.
• Contest credits are PRULeads leads converted to Policyowners of
By becoming the Top 1 OL/UL products. Conversion to A&H products are excluded from
PRULeads Converter contest credits.
• Issuance of the policy from the converted lead must be within 2023.
• The lead – HO-distributed lead or Agent-Owned Lead (AOL) Lead –
must be encoded or accepted in PRULeads one day prior to the
2023 issuance of the policy.
• HO distributed leads can be FREE leads, referred leads or existing
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REF.NO. AFAS23-018
clients farmed out via Pruleads app.

• Shared business is not applicable
• A converted lead can only be counted once. In case the converted
lead buys multiple policies from different agents, the agent of the first
issued policy in 2023 will get the credit.
1st level tie breaker: Issuance date of the last converted lead from PRULeads.
The contender with the earlier issuance date will be deemed as having
preceded the other/s in rank.
2nd level tie breaker: Sum of the 2023 Issued APE (all lines, all transactions,
regardless of submission date and case size) of all 2023 converted leads from
PRULeads
• 6 EB conversions to OL/UL
Performance
PC Qualifier Top Agent in terms of number of EB2Life Conversions
By becoming the Top 1 • Open to all agents with existing EB accounts. Agency leaders will
EB2Life Converter qualify via personal production.
• Contest credits are EB leads converted to Policyowners of OL/UL
products. Conversion to A&H products are excluded from contest
credits.
• Issuance of the policy from the converted lead must be within 2023.
• Agent gets credit if he is able to convert a lead from his own EB
account.
• A converted lead is counted only once. Agent earns 1 conversion
credit regardless of the number of policies purchased by a converted
EB lead.
1st level tie breaker: Issuance date of the last converted EB client. The
contender with the earlier issuance date will be deemed as having preceded
the other/s in rank.
regardless of submission date and case size) of all 2023 converted EB client
into regular life client.
Level UM BM
Gate in # of
Direct Recruits 4 2
Gate in Honor
Club 2023 Achiever’s Club – Bronze (on highest appointment)
qualification
PC Qualifier Top UM in Top BM in
By becoming the Top Direct Recruits Direct Recruits
UM and BM in most 2
number of Direct • Open to all UMs and BMs. AMs and DMs will qualify as BMs.
Recruits
• Basis of the contest credits is net new recruits in 2023. This means
that recruits coded in 2023 who were terminated within the same
year shall be deducted from the recruitment credit.
• Agency leaders will be measured in terms of direct recruits.
• In determining recruitment credits, manpower credit by the end of the
applicable coding month of the new recruit will be used as basis.
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REF.NO. AFAS23-018
1st level tie breaker: Percentage of Generation Y and Z* current year-coded
agents out of total 2023 new recruits
2nd level tie breaker: Percentage of current year-coded agents who were
activated** in 2023
*Gen Y recruits are those born between 1981 and 1996 while Gen Z
recruits are those born between 1997 to 2012.
**An activated agent is one who has sold at least 1 net issued case
count in 2023. Lapsed or cancelled cases in 2023 shall reduce the
agent’s case count credit. Basis shall be all business lines,
regardless of NAP amount and all transactions including top-ups of
PhP 10,000 NAP per top-up transaction.
• 10 validating PRUVenture candidates in 2023

Performance
who have at least 90% activation performance in
Gates
2023
PC Qualifier Top UM in terms of count of validating PRUventure

candidates with 90% activation performance
• Open to all UMs. BMs and up will qualify as direct UMs.

• The PRUVenture candidates must have complied with all of the
following:
a. Must be part of the PRUVenture program until 31 December
By becoming the 2023
Top UM in terms of the b. Must have been activated at least 90% of the months in
most number of performance year 2023 (appointment month is treated as free
1
month)
validating PRUventure
candidates with 90% • Basis for determining whether the PV candidate was activated shall
activation performance be net issued case count during the month. This shall include all
business lines; including EB (except digital bite-sized, digital
microinsurance and GCash products), regardless of APE and all
transactions including top-ups of PhP 10,000 APE.
• 2023 activation performance of the PV candidate is calculated using
the formula below:
Number of months activated in 2023_______

Total months in 2023 from PV appointment month*
*appointment month is treated as free month
1st level tie breaker: Average activation performance of the 2023 validating
PRUVenture qualified candidates in the unit
regardless of submission date and case size) of all PRUVenture candidates in
the team with an active appointment status by 31 December 2023
Performance • 6 new UMs whether organic or inorganic

By appointing the most
Gates • 2023 Achiever’s Club – Bronze (highest appt)
number of new UMs in 1
2023
PC Qualifier Top BM in terms of number of new UMs
Open only to all Branch Managers. AMs and DMs will compete as BMs.
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REF.NO. AFAS23-018
The new UMs appointed by the BM must also meet 100% of the 2023
retention standards by YTD December 2023.
In terms of new BMs competing beginning at the middle of 2023, hierarchy

upon the month of appointment of the new UM shall be used in determining
contest credits for the BM.
This means that from the appointment month of a new BM, UM appointees
shall be credited to the new BM. On the months preceding the appointment
month of the new BM (Daughter BM), these credits will be with the existing
BM (Mother BM).
1st level: Sum of the 2023 Issued APE (all lines, all transactions, regardless of
submission date and case size) of the new units appointed by the BM
2nd level: 2023 average active agents (all lines, all transactions, regardless of
submission date and case size) of the new units appointed by the BM
Level UM BM AM DM
Gate in # of
MDRTs 3 7 10 18
Gate in
Honor Club 2023 Achiever’s Club – Bronze (on highest appointment)
qualification
PC Qualifier Top UM Top BM Top AM Top DM
Agency leaders will qualify on highest appointment. This will apply even to
By producing the target 4 current year appointed UMs to DMs.
# of 2023 MDRTs in
the team MDRT qualification is based on 2023 performance year. It requires
registration* to the 2024 MDRT.
A manager who has become an MDRT qualifier himself will be counted in the
number of MDRTs in the team.
MDRT Honor Roll and Life Members must also be MDRT Qualifying Members
based on 2023 performance year.
Manpower hierarchy as at 31 December 2023 shall be used in determining the

count of MDRTs in the team.
1st level : Sum of the 2023 FYP of all MDRT qualifiers in the team
2nd level: Sum of the 2023 Issued APE (all lines, all transactions, regardless of
submission date and case size) of all MDRT qualifiers in the team
*As the 2024 Prudence Ball event may precede the deadline for 2024 MDRT
registration, qualifiers based on count of MDRTs shall be lauded in the
Prudence Ball. However, final confirmed delegates to the President’s Club
shall be announced after the MDRT registration deadline.
Performance
Gate 2023 Achievers Club for Managers – Bronze Qualifier
Top BM (highest Branch NAP among all BM-GAs)
By becoming the Top 2 PC Qualifiers
BM and UM-GA Top UM (highest Unit NAP among all UM-GAs)
Besides meeting the 2023 Achievers’ Club requirements, the PC qualifier

must also meet 100% of the 2023 retention requirements. This shall be based
12
REF.NO. AFAS23-018
on direct team achievement thus excluding the impact of spin-off credits.

Refer to the 2023 Appointment, Retention, Segmentation and Benefits for
more details.
The PC Qualifiers must have also qualified to the 2023 Achiever’s Club for
Manager – Bronze based on direct team achievement.
Leaders will compete on highest appointment except for AM-GAs or DM-GAs

who will qualify as BM-GAs.
The recognition is open to GA Owners and GA Contributors (Lead GA

Contributors) assigned to lead a GA satellite office considering that both were
validated for GA appointment.
In determining the NAP ranking among UM-GAs and BM-GAs, the total team
NAP will include team NAP coming from all GA team contributors. The
performance results of all GA contributors assigned in the principal and
satellite GA office shall be credited to the GA Special Awards contest
validation of the GA Owner and the Lead GA Contributor, respectively.
1st Level: Issued case count using YTD Dec 2023 production covering OL/UL
cases with PhP 36,000 NAP per case. Top-ups will be included subject to
usual case count crediting rules where a PhP 10,000 top-up NAP will be given
a case count credit.
If a qualifier has made it to the President’s Club 2023 via multiple methods, the PC slot goes to the next in line in
the order of priority below:
1. NAP – usual President’s Club NAP ranking
2. Highest case count of Life Club qualifiers
3. Number of New Lives
4. Most number of new HNW clients
5. PRULeads conversions
6. EB2Life conversions
7. Number of direct recruits
8. PRUVenture validating agent count
9. Number of New UMs appointed
10. Count of MDRTs in the team
11. Top BM/UM-GA
This means that if a qualifier has made to the PC via NAP and via number of new UMs appointed in 2023, his
NAP ranking shall be retained and rank adjustments shall instead be made to the number of new UMs category.
A President’s Club Pocket Money (USD 500.00 net of applicable withholding tax) shall be given to the qualifier
who has made it to PC via multiple methods, for every slot given up to the next-in-line agency member.
As an example, an agency leader qualifying in NAP, in MDRT count and in number of new UMs who will forfeit
his PC slot in MDRT count and new UM count, shall be awarded instead a pocket money of USD 1,000.
All 2023 President’s Club qualifiers will also be receiving a recognition plaque.
Persistency
Agency leaders must meet personal persistency requirements and team persistency requirements at his highest
appointment. These requirements are enumerated as follows:
13
REF.NO. AFAS23-018
Agency leaders qualifying to the PC 2023 based on personal production (via new lives or via case count from Life
Club qualifiers) will only be required to validate 85% personal persistency.
AMs and DMs qualifying to the PC 2023 based on branch performance (via most number of new UMs, via
average branch sum assured or as the top BM-GA) will only be required to validate 85% personal persistency
and 80% branch persistency.
products).
Participation to the PC will be limited to qualifiers declared by the company. In the event of a qualifier’s
unavailability for the trip or in the event of disqualification due to failure to meet revalidation requirements, the slot
will be awarded to the next in line. Replacement winner will be recognized only in terms of disqualification.
Appeals will not be entertained after qualifiers have been officially declared by the company.
Total number of slots for the President’s Club are allocated by PCA to each local business unit (country) thus
cannot be guaranteed in number throughout the years. The method by which slots are awarded cannot also be
guaranteed to remain constant year after year as these are driven by the annual key strategies and growth
objectives.
PRUDENTIAL AGENCY LEADERS’ CONFERENCE (PALC)
Destination: TBD
Inclusive Dates: 1 January to 30 June 2023
AVERAGE PERSISTENCY
NAP NEW
LEVEL ACTIVE OTHER REQUIREMENTS
RANKING RECRUITS PERSONAL TEAM
AGENTS
UM Top 13 18 15 85% 83% P10.95 M NAP minimum
BM Top 9 75 75 85% 80% P38.25 M NAP minimum
AM Top 5 275 240 85% 80% P133.85 M NAP minimum
DM Top 3 480 600 85% 80% P335.00 M NAP minimum
The PALC is open to all agency leaders. They will compete in the PALC based on their highest appointment as of
30 June 2023. For example, an AM will be considered for the PALC as an AM and will not be allowed to compete
at BM and UM levels.
Managers appointed to a higher agency leader position during the first half of the current year will also be
validated on highest appointment. For example, a BM appointed as an AM in May 2023 will compete as an Area
Manager.
An Assistant Unit Manager (AUM) and a Junior Unit Manager (JUM) will not compete in the PALC.

1st Level : Issued case count using YTD June 2023 production covering OL/UL cases with PhP
rules where a PhP 10,000 top-up NAP will be given a case count credit.
2nd Level : Issued NAP growth rate (YTD June 2023 versus YTD June 2022)
14
REF.NO. AFAS23-018
*Contest credits being referred to here are those that relate to APE, NAP, case count and active agent count; to
products).
Participation to the PALC will be limited to qualifiers declared by the company. In the event of a qualifier’s
unavailability for the trip or in the event of disqualification due to failure to meet revalidation requirements, the slot
will be awarded to the next in line. Replacement winner will be recognized only in terms of disqualification.
MILLION DOLLAR ROUND TABLE (MDRT)
Global Conference/ Annual Meeting: TBD

Inclusive Period: 1 January to 31 December 2023
QUALIFICATION THROUGH
LEVEL
FIRST YEAR FIRST YEAR
TOTAL INCOME
COMMISSION PREMIUM
in 2023
(FYC) in 2023 (FYP) in 2023
Million Dollar Round Table (MDRT) 1,265,300 2,530,600 2,191,500
Court of the Table (COT) 3,795,900 7,591,800 6,574,500
Top of the Table (TOT) 7,591,800 15,183,600 13,149,000
FYP and total income credits are based on in-force policies as of December 31, 2023.
FYC credits from 2022 issued businesses will also be considered if FYCs are earned in 2023. The said policy
must be in force as of December 31, 2022 but is not required to be in force as of December 31, 2023.
Single premium and top ups are given 6% FYP credits.
PAMTC (UITF) shall be included as MDRT contest credits at 6% of the newly-invested money subject to a
maximum of 50% on the annual production.
Credits from the agent’s life (policies where the agent is the policy owner) and his/her immediate family
member/s* will be given a maximum credit of 5% of current year’s requirements depending on the level achieved,
if any of the premiums are paid, directly or indirectly, by the agent. For the qualifying member level’s FYP
requirement of P2,530,600, maximum FYP creditable is P126,530. There are corresponding maximum credits
for COT and TOT as well as for FYC and total income categories.
15
REF.NO. AFAS23-018
*Single agents' immediate family are their parents and siblings. An immediate family member who is of legal age
(at least 21 years of age) and capable of paying the premiums, will be excluded from the 5% coverage cap for
family coverage.
*Married agents’ immediate family are their spouses and children. Children who are of legal age (at least 21
years of age), will be excluded from the 5% coverage cap for family coverage.
MDRT SUBSIDY
Global Conference: TBD

All 2023 MDRT qualifiers will receive a subsidy for 2024 MDRT meeting participation and all associated costs.
The subsidy amount will be reduced by the amount of the MDRT membership. The subsidy will be credited as
soon as registration to either the 2024 MDRT Global Conference or 2024 MDRT Annual Meeting is confirmed by
MDRT.org. Refer to updated subsidy amount in the last column below:
MDRT Membership/ Estimated subsidy amount
2024 MDRT level MDRT Registration Fee in PhP**
based on 2023 USD PHP* (subject to applicable
Sponsorship Value
performance withholding tax)
TOT 245,700 1,150 69,000 176,700
COT 207,700 650 39,000 168,700
MDRT 191,700 600 36,000 155,700
*Conversion rate applied was PhP 60 to USD 1.00. Final amount of the subsidy will be affected by the conversion
rate applied at the time the MDRT membership / registration fee was paid to MDRT.
**The subsidy/ travel fund will cover the MDRT global conference or annual meeting fee, hotel, airfare, visa and
all other travel expenses associated with MDRT event participation. Qualifiers may apply for their visa on their
own or directly engage the services of travel agencies. Fees and service expenses are to be taken from the
subsidy.
The subsidy will be subject to applicable withholding tax. This will be credited when either the 2024 MDRT
Global Conference or 2024 MDRT Annual Meeting registration has been confirmed with MDRT.org. Non-
registration to either event will forfeit the subsidy amount.
Actual participation and onsite attendance to the Annual Meeting or Global Conference must be certified by
MDRT.org. If any qualifier is NOT certified by MDRT.org to have participated either in the MDRT Annual Meeting
or MDRT Global Conference, the amount credited will be automatically clawed-back in a single transaction
against the said qualifier’s account. This need not be supported by a signed Authority to Deduct form.
MDRT Honor Roll and Life Members in 2023 must also be 2023 Qualifying Members to be eligible to the MDRT
Subsidy. Meanwhile, MDRT Honor Roll and Life Members in 2023 who are not 2023 MDRT Qualifying Members
will have their MDRT registration settled for by Pru Life UK; to the exclusion of the MDRT Subsidy.
Agents and agency leaders must meet 85% personal persistency requirements to qualify for the MDRT Subsidy.
Persistency will be validated using end December 2023 persistency rates.
The MDRT qualifier who did not meet the persistency requirement/s will not be given the MDRT subsidy but
he/she can still qualify for MDRT membership.
MDRT membership fee and MDRT registration fee shall be based on prevailing rates from the MDRT
organization.
16
REF.NO. AFAS23-018
HOME OF MDRTs and MDRT BUILDER

Target Number of 2023 MDRTs in the team
Level (Registered to 2024 MDRT)
Home of MDRTs MDRT Builder
BM
(AMs and DMs 6 n/a
competing as BMs)
UM n/a 2
Rewards Home of MDRTs Plaque and MDRT
Door Sticker Builder Pin
BMs and up who will qualify to the Home of MDRT Level-up by producing 8 MDRTs in the branch will have a
branch photoshoot featuring the BM himself, all MDRT Builders in the branch, all MDRTs in the branch with the
President and CEO, GM and CCO, CDO, DCAO, NSD, respective SH and respective SD.
Recognition shall be organized per branch and depending on feasibility, may be held at Uptown Office or in the
branch office. Non-2023 qualifying MDRT Honor Roll and Life Members will be excluded from the count of
MDRTs in determining validation of the 8 MDRT count requirement; however will be included in the branch
photoshoot.
Managers becoming MDRT qualifiers themselves will be counted in the number of MDRTs in the team. MDRT
Honor Roll and Life Members must also be qualifying members based on performance year 2023 to be
considered in the count of MDRTs in the team.
Hierarchy as at December 31, 2023 shall be used as basis in determining the number of MDRT 2023 qualifiers in
the team. This means that the agency leader to which the agent is aligned to as at December 31, 2023 shall be
given the contest credit for said MDRT qualifier count.
Agency leaders must meet personal persistency requirements to qualify to this company-sponsored incentive/
recognition. Agency leaders must meet personal persistency requirements and team persistency requirements at
his highest appointment. These requirements are enumerated as follows:
Non-meeting of the persistency rate means the qualifier cannot be extended the company-sponsored incentive
but he/she can still qualify for MDRT membership.
Rewards are non-cash convertible.
The recognition for the Home of MDRTs and MDRT Builders shall be held in sectoral events.
MDRT CONSECUTIVE QUALIFICATION BONUS

Inclusive Period: January 1 – December 21, 2023
Qualification requirements: must meet both

1. Qualified to MDRT based on the current production year using the MDRT requirements below:
2. Registered for MDRT membership after qualification in the current year
The 2023 bonus amount that will be paid on May 2024 shall depend on the MDRT level achieved in 2023.
MDRT qualification beginning with 2023 performance year:
MDRT Level 1st qualification 2nd qualification 3rd qualification
MDRT 50,000 75,000 100,000
Court of the Table 100,000 150,000 200,000
Top of the Table 200,000 300,000 400,000
17
REF.NO. AFAS23-018
1st qualification Qualified based on 2023 performance year
Qualified for 2 consecutive years

2nd qualification (from 2023 to 2024 performance year; or from 2024 to 2025 performance year)
Skip qualification
(qualified in 2023 and 2025; will not be considered as 2nd qualification)
3rd qualification Qualified for 3 consecutive years (from 2023 to 2025)
Refer to examples below for more details:

2023 MDRT qualification 2024 MDRT qualification 2025 MDRT qualification
(Based on (Based on (Based on
2023 performance) 2024 performance) 2025 performance) TOTAL
PRIZE FOR
Bonus Bonus Bonus
Agent Level Amount Level Amount Level Amount 3 YEARS
A MDRT 50,000 COT 150,000 TOT 400,000 600,000
B TOT 200,000 MDRT 75,000 COT 200,000 475,000
C N/A None COT None MDRT 75,000* 75,000
D MDRT 50,000 N/A None MDRT None** 50,000
E N/A None N/A None TOT None** 0.00
*No cash reward for 1st qualification in year 2024 since did not qualify based on 2023 performance year; will be
eligible though for 2nd qualification cash reward based on 2025 performance year
**No cash reward in 2025 due to skip-year/s (2024 and 2023-2024, respectively).
Cash rewards are in Philippine Pesos and are net of withholding taxes.
MDRT Honor Roll and Life Members must be Qualifying Members for production year 2023 / 2024 / 2025 to be
eligible to receive the MDRT Consecutive Qualification Bonus for the corresponding year/s.
Agents and agency leaders coded in 2023 who did not qualify to MDRT in year 2023; may qualify to the first
qualification bonus contingent on 2024 MDRT qualification and to the second qualification bonus contingent on
consecutive MDRT qualification on year 2025.
Agents and agency leaders coded in 2024 who did not qualify to MDRT in year 2024; may qualify to the first
qualification bonus contingent on 2025 MDRT qualification.
Agents and agency leaders must meet personal persistency requirements to qualify for the MDRT Repeat Bonus.
Persistency will be validated using end December 2023 persistency rates. Non-meeting of the persistency rate
means the qualifier cannot be extended the company-sponsored incentive but he/she can still qualify for MDRT
membership.
18
REF.NO. AFAS23-018
GENERAL MANAGERS’ AND AGENTS’ ASSOCIATION (GAMA) REQUIREMENTS
Please see below for the GAMA requirements based on 2022 performance year for the 2023 Awards. Watch
out for the 2023 performance year requirements to be announced separately.
INTERNATIONAL MASTER AGENCY /

FRONTLINE MANAGEMENT MASTER FIRM
LEADER AWARD AWARD AWARD
CATEGORY METRIC
FYC 40,000,000
Titanium FYP 80,000,000
FYC 13,000,000 25,000,000 FYC
Diamond FYP 26,000,000 50,000,000 90,000,000
FYC 9,000,000 16,000,000
Platinum FYP 18,000,000 32,000,000
FYC 5,000,000 11,000,000
Gold FYP 10,000,000 22,000,000
FYC 2,500,000 5,000,000 FYP
Silver FYP 5,000,000 10,000,000 180,000,000
FYC 1,600,000 2,500,000
Bronze FYP 3,200,000 5,000,000
Level Unit Managers Branch / Area / District Managers
Agency leaders must qualify on highest appointment.
Appointed leaders in the middle of the year will get FYP/FYC credits on the direct team prior to promotion and
credits based on the new role on and after the promotion date. Refer to examples below:
o UM appointed as BM on March 15: FYP/FYC credits from direct unit from January 1 to March 14 added
to FYP/FYC credits from branch team from March 15 to December 31
o BM appointed as AM on June 15: FYP/FYC credits from direct branch from January 1 to June 14 added
to FYP/FYC credits from the area from June 15 to December 31
An agent appointed as a UM in the middle of the year will get FYP/FYC credits from the unit effective on the UM
appointment date. FYP/FYC credits from the personal production of this new UM issued prior to appointment will
be credited to whoever is the agency leader tagged in the hierarchy of the policy upon issuance.
Realigned leaders in the middle of the year will get FYP/FYC credits on the direct team prior to realignment and
credits based on the new role on and after the realignment date. Refer to examples below:
o AM realigned to BM on September 15: FYP/FYC credits from direct branch from January 1 to
September 14 added to FYP/FYC credits from the branch from September 15 to December 31
o BM realigned to UM on November 15: FYC/FYC credits from direct unit from January 1 to November 14
added to FYP/FYC credits from the unit from November 15 to December 31
In determining FYP/FYC credits from agency members who transferred to different teams in the middle of the
year, hierarchy upon policy issuance shall be used as basis. As an example, an agent who issued Policy A while
affiliated under UM-A when transferred to UM-B will have the FYP/FYC credits from Policy A retained under UM-
A. UM-B will get credits from policies sold by this agent from the transfer date onwards.
As this is an external recognition, there will be no persistency criteria/requirement.
Note: GAMA membership and award fee benefit is included in the 2023 Segmentation and Benefits program.
This is provided to qualified Unit Managers, Branch Managers, Area Managers and District Managers who have
met benefit requirements for performance year 2023. Special benefits are also provided to agency leaders who
have achieved the highest benefit level and have concurrently qualified to GAMA awards.
For more information on the GAMA membership benefit, please refer to the 2023 Appointment, Retention,
Segmentation and Benefits Standards released separately.
19
REF.NO. AFAS23-018
GAMA RECRUITING SPECIALIST AWARD (RSA)

Please see below for the GAMA RSA requirements based on 2022 performance year for the 2023 Awards.
Watch out for the 2023 performance year requirements to be announced separately.
CATEGORY NUMBER OF LICENSED RECRUITS

Bronze 4
Silver 8
Gold 12
Platinum 16
Diamond 24
RSA awardees will enjoy the following benefits:
o RSA recognition
o Unlimited access to GAMA Philippines website
o GAMAfy access / Kapihan events
o Invitation to the GAMA convention
o GAMA membership kit (shirt, scarf, pocket square, etc.) provided by GAMA Philippines
o Exclusive discounts to GAMA courses
o Entitled to participate in two (2) free agency building training sessions
o Newspaper publication as an RSA awardee
The recognition is open to all agents, AUMs and JUMs. Status as of 31 December 2023 should be AUM/JUM.
Basis of the contest credits is net new recruits in 2023. This means that recruits coded in 2023 who were
terminated within the same year shall be deducted from the recruitment credit.
Agents, AUMs and JUMs will be measured in terms of direct recruits
As this is an external recognition, there will be no persistency criteria/requirement.
ACHIEVERS’ CLUB
Level: Agents – National Level

PRIZES
CASE PERSONAL TRAINING NON-FIRST
LEVEL NAP FIRST TIME
COUNT PERSISTENCY REQUIREMENTS TIME
(all are mandatory) QUALIFIERS
QUALIFIERS
National
750,000 12 85%
Achiever
Senior 1..Rookie Cash
1,500,000 18 85% Onboarding Part 2 conversion
Achiever Parker Pen,
Elite (BTC Part 2) value of
2,500,000 21 85% Letterhead,
Achiever 2..Product Recharge letterhead
Calling Card,
4,750,000 3..Fundamentals of and calling
Plaque, Pin
(with 950K Unit Link or card,
Star Plaque, Pin
Rider 24 85% UITF Certification
Achiever Attachment Training
NAP*)
*Rider Attachment NAP shall follow the Rider Attachment NAP crediting rules for SCIC.
The following shows the cash conversion value of the following Achievers’ Club tokens for non-first time
qualifiers:
Achievers’ Club Token Estimated conversion value
Business Card PhP 400.00
Letterhead PhP 2,500
Plaque PhP 1,000
Pin PhP 50.00
20
REF.NO. AFAS23-018
The costs above were based on indicative costs at the time of contest design hence are not guaranteed. The
actual cash conversion values may be higher or lower than the costs indicated. The values above shall be
subject to applicable withholding taxes.
AUMs and JUMs will compete in their capacity as agents.
Case count shall follow the case count crediting guidelines as stated in the house rules.
An agency leader may qualify to the AC for Agents – National Level based on his personal production. In this
case, he needs to satisfy the 85% personal persistency requirement only.
Non first-time qualification indicates repeat qualification to the Achiever’s Club – national category – in any level
from National to Star Achiever. Such repeat qualification need not be consecutive.
To qualify for the 2023 Achievers’ Club-National level, training completion is mandatory for all except for the
following whose training requirements will be waived:
1. All active agency leaders – UMs to DMs
2. All Q4-2023 appointed rookie agents / agency leaders
3. All MDRT qualifiers from 2022 performance year and earlier (must have been a registered MDRT
member in the past). MDRT 2023 contenders will also be exempted effective on the month of pre-final
qualification.
4. All Achievers’ Club – Star Achievers from 2022 performance year and earlier (must have been an AC -
Star Achiever in the past). AC-Star Achiever contenders based on YTD 2023 NAP and Rider
Attachment NAP performance will also be exempted effective on the month of pre-final qualification.
5. PRUVenture Agents who have been active in the program for the first 4 months and have completed
ROP2, Product Recharge and Fundamentals of Unit Link as part of the PRUVenture Program certified
by PRU ACE Training Team.
Agents who completed the 5-day BTC in the past, as certified by Agent Academy will be exempted from the
Rookie Onboarding Program Part 2 requirement. Likewise, agents who have completed the Rookie Onboarding
Part 2 (BTC Part 2), Product Recharge and Fundamentals of Unit Link / UITF Certification Training, in the past,
as certified by Agent Academy need not retake the program/s in 2023. These programs should just be taken
once, unless a training refresher is desired.
All 2023 Senior to Star Achievers who did not qualify to the 2023 SCIC will be invited to the Achiever’s Club
Summit (overnight local trip). The trip shall be organized per sector. Non-participation to the AC Summit shall
result to forfeiture of the reward thus, cannot be converted to cash. Neither can the reward be passed on to
another agency member. An Achievers’ Club Summit qualifier whose UM and BM are affiliated with different
sectors / Sales Directors shall participate in only one (1) AC Summit event of the corresponding sector using
branch affiliation as basis.
Level: Agents – Sectoral Level

PRIZES
CASES PERSONAL TRAINING NON-FIRST
LEVEL NAP FIRST TIME
PERSISTENCY REQUIREMENT TIME
QUALIFIERS
QUALIFIERS
1..Rookie
Onboarding Part 2
Cash
(BTC Part 2)
conversion
Sectoral 2..Product Recharge
500,000 10 85% Parker Pen value of the
Achiever 3..Fundamentals of
Business
Unit Link or
Card
UITF Certification
Training
Below shows the cash conversion value of the Achievers’ Club token for non-first time qualifiers:
Achievers’ Club Token Estimated conversion value
Business Card PhP 400.00
21
REF.NO. AFAS23-018
The costs above were based on indicative costs at the time of contest design hence are not guaranteed. The
actual cash conversion values may be higher or lower than the costs indicated. The values above shall be
subject to applicable withholding taxes.
An agency leader may qualify to the AC for Agents – Sectoral level based on his personal production. In this
case, he needs to satisfy the 85% personal persistency requirement only.
Agents qualified to the AC for Agents – National Level will not be considered for the AC for Agents – Sectoral
level.
Non first-time qualification indicates repeat qualification to the Achiever’s Club in any level from Branch to Star
qualifier levels. Such repeat qualification need not be consecutive
Sectoral Achievers will be given recognition certificates and will also be lauded in their respective sectoral or
regional recognition events.
To qualify for the 2023 Achievers’ Club-Sectoral level, training completion is mandatory for all except for the
following whose training requirements will be waived:
1. All active agency leaders – UMs to DMs
2. All Q4-2023 appointed rookie agents / agency leaders
3. All MDRT qualifiers from 2022 performance year and earlier (must have been a registered MDRT
member in the past). MDRT 2023 contenders will also be exempted effective on the month of pre-final
qualification.
4. All Achievers’ Club – Star Achievers from 2022 performance year and earlier (must have been an AC -
Star Achiever member in the past). AC-Star Achiever contenders based on YTD 2023 NAP and Rider
Attachment NAP performance will also be exempted effective on the month of pre-final qualification.
5. PRUVenture Agents who have been active in the program for the first 4 months and have completed
ROP2, Product Recharge and Fundamentals of Unit Link as part of the PRUVenture Program certified
by PRU ACE Training Team.
Agents who completed the 5-day BTC in the past, as certified by Agent Academy will be exempted from the
Rookie Onboarding Program Part 2 requirement. Likewise, agents who have completed the Rookie Onboarding
Part 2 (BTC Part 2), in the past, as certified by Agent Academy need not retake the program in 2023. This
program should just be taken once, unless a training refresher is desired.
Level: Achievers Club for Managers

BRONZE
AVERAGE PERSISTENCY
NEW
LEVEL NAP ACTIVE
RECRUITS PERSONAL TEAM
AGENT
UM 6,000,000 24 10 85% 83%
BM 36,000,000 96 50 85% 80%
AM 80,000,000 190 175 85% 80%
DM 360,000,000 600 350 85% 80%
SILVER
AVERAGE PERSISTENCY
NEW
LEVEL NAP ACTIVE
AGENT
UM 12,000,000 30 11 85% 83%
BM 48,000,000 120 60 85% 80%
AM 140,000,000 370 200 85% 80%
DM 420,000,000 780 475 85% 80%
22
REF.NO. AFAS23-018
GOLD
AVERAGE PERSISTENCY
NEW
LEVEL NAP ACTIVE
AGENT
UM 21,900,000 36 15 85% 83%
BM 76,500,000 150 75 85% 80%
AM 267,700,000 550 240 85% 80%
DM 670,000,000 960 600 85% 80%
PLATINUM
AVERAGE PERSISTENCY
NEW
LEVEL NAP ACTIVE
AGENT
UM 30,000,000 42 18 85% 83%
BM 96,000,000 240 90 85% 80%
AM 308,000,000 730 250 85% 80%
DM 730,000,000 1,440 725 85% 80%
TITANIUM
AVERAGE PERSISTENCY
NEW
LEVEL NAP ACTIVE
AGENT
UM 36,000,000 48 24 85% 83%
BM 116,000,000 330 110 85% 80%
AM 348,000,000 910 275 85% 80%
DM 790,000,000 1,920 850 85% 80%
The AC for Managers is open to all agency leaders; they will compete based on their highest appointment as
leaders as of 31 December 2023. For example, an AM will be considered for the AC for Managers as an AM and
will not be allowed to compete at BM and UM levels.
However, in a given production year, an agency leader who qualifies in a lower category prior to his appointment
to a higher agency leader position will not be made to forfeit his qualification. Additionally, he can also be eligible
anew to the AC for Managers in the higher category during the same production year. There will be no pro-rata
qualification for managers installed in a new role during the year.
appointment and the particular agency leader position he has qualified for. These requirements are enumerated
as follows:
For instance, a newly-appointed BM who qualified at unit and branch-level needs to comply with Personal, Unit
(direct) and Branch Persistency requirements for AC for Managers qualification.
An Assistant Unit Manager (AUM) and a Junior Unit Manager (JUM) will not compete in the AC for Managers.
All 2023 UM to DM Bronze to Titanium Honor Club qualifiers will also be receiving a recognition plaque.
Furthermore, all 2023 UM to DM Silver to Titanium Honor Club qualifiers who:

a. have not qualified to 2023 SCIC either as an agency leader or as a producer; and
b. have not qualified to 2023 Senior Achiever to Star Achiever – Agent Honor Club
…will also be eligible to participate in the Achiever’s Club Summit (overnight local trip).
Non-participation to the AC Summit shall result to forfeiture of the reward thus, cannot be converted to cash.
Neither can the reward be passed on to another agency member. The event shall be organized per sector which
also means that agency leader AC Summit qualifiers will have the trip convention alongside the agent AC Summit
qualifiers of the same sector. An Achievers’ Club Summit leader qualifier whose uplines are affiliated with
different sectors / Sales Directors shall participate in only one (1) AC Summit event of the corresponding sector
using branch affiliation as basis.
23
REF.NO. AFAS23-018
products).
ACHIEVERS CLUB – AUXILLIARY AWARDS
Award: Quality Circle Award

• 100% Personal Persistency Rate

• 24 Months Tenure
• Achiever’s Club Member – National level only (National to Star Achiever levels)
Award: Achiever’s Club Excellence Awards

AGENT LEVEL
CATEGORY REQUIREMENT
Master Three (3)-Time Star Achiever
Grand Master Five (5)-Time Star Achiever
Lifetime Ten (10)-Time Star Achiever
Hall of Famer Twenty (20)-Time Star Achiever
MANAGER LEVEL
CATEGORY REQUIREMENT
Master Three (3)-Time AC for Managers Gold / Platinum / Titanium
Grand Master Five (5)-Time AC for Managers Gold / Platinum / Titanium
Lifetime Ten (10)-Time AC for Managers Gold / Platinum / Titanium
Hall of Famer Twenty(20)-Time AC for Managers Gold / Platinum / Titanium
The Excellence Awards-Manager Category will consider AC for Managers Gold / Platinum at any level. For
example, a leader who has qualified three times for AC for Managers Gold as UM and two times as a BM with a
Platinum distinction will be deemed a Grand Master for qualifying a total of five times as AC Managers
Gold/Platinum.
Hall of Famer qualifiers will have their pictures displayed electronically in Pru Life UK’s ‘Wall of Hall of Famers’
and shall remain to be displayed provided the agency member remains affiliated with Pru Life UK.
In addition, these qualifiers will receive special recognition in the Day Awards. As an honorary Star Achiever or
AC Managers’ Gold Hall of Famer, they will also enjoy the privilege of welcoming new Hall of Famers year after
year in the Day Awards.
24
REF.NO. AFAS23-018
EARLY CONTENDERS’ RECOGNITION

Inclusive Dates: 1 January to 30 June 2023
Agent Level - AC
Level Issued NAP Issued Cases Reward
375,000 6 Invitation to the Early Contenders’ Recognition

Agent
750,000 12 Stage Recognition
Agency leaders may qualify via personal production. Invitees and honorees in the Early Contenders’ Recognition-
Agent Level shall be based on issued NAP and Cases as at YTD June 2023. Other Achievers’ Club parameters
such as persistency shall not be required.
Agent Level - MDRT

Level FYP/FYC/Total Income Reward
50% of 2023 MDRT requirement Invitation to the Early Contenders’ Recognition

Agent
100% of 2023 MDRT requirement Stage Recognition
Agency Leader level
Level Issued NAP

Invitation to the Early Stage
Contenders’ Recognition Recognition
UM 3,000,000 6,000,000
BM 18,000,000 36,000,000
AM 40,000,000 80,000,000
DM 180,000,000 360,000,000
Agency leaders must qualify on highest appointment*.
*An agency leader who qualifies in a lower management category prior to his appointment to a higher agency
leader position will not be made to forfeit his qualification. There will be no pro-rata qualification for managers
installed in a new role during the year.
Branch Managers and up who did not qualify to the Early Contenders’ invitation nor the stage recognition will be
invited to the event, nonetheless.
Invitees and honorees in the Early Contenders’ recognition-Agency Leader level shall be based on issued team
NAP as at YTD June 2023. Other Honor Club parameters such as new recruits, average active agents and
persistency shall not be required.
products).
Non-participation to the Early Contenders’ recognition shall result to forfeiture of the reward thus, cannot be
converted to cash.
25
REF.NO. AFAS23-018
Agents and agency leaders who qualified to the Early Contenders’ recognition may still qualify to the SCIC as
these rewards are mutually exclusive.
The Early Contenders’ Recognition will be organized per sector and rest of the agency can participate virtually.
ANNUAL SPECIAL AWARDS

CATEGORY NAP OTHER REQUIREMENTS*

Rookie of the Year Highest NAP among
2023 Star Achiever
(with 2 Runners-Up) Rookies
Agent of the Year Highest NAP among all
2023 Star Achiever
(with 2 Runners-Up) Agents
UM of the Year 2023 Achievers Club for Managers –
Highest Unit NAP
(with 1 Runner-Up) Gold/Platinum/ Titanium (UM)
BM of the Year 2023 Achievers Club for Managers –
Highest Branch NAP
(with 1 Runner-Up) Gold/Platinum/ Titanium (BM)
AM of the Year 2023 Achievers Club for Managers –
Highest Area NAP
(with 1 Runner-Up) Gold/Platinum/ Titanium (AM)
DM of the Year 2023 Achievers Club for Managers –
Highest District NAP
(with 1 Runner-Up) Gold/Platinum/ Titanium (DM)
*Besides meeting the 2023 Achievers’ Club requirements, Annual Special Awards Official Qualifiers must also
meet 100% of the 2023 retention requirements. This shall be based on direct team achievement thus excluding
the impact of spin-off credits. Refer to the 2023 Appointment, Retention, Segmentation and Benefits for more
details.
An agent may only win once as Rookie of the Year. For purposes of these awards, an agent will be considered
as a rookie if he is coded during the period from 1 January 2022 to 31 December 2023. Regardless of coding
date, reinstated agents in 2022 and 2023 will no longer compete in the rookie category.
An agent may win as Rookie of the Year and Agent of the Year in a single production year.
An agent who has previously won the Rookie of the Year Award will no longer be in contention for the Annual
Special Awards – Rookie Honors but instead will compete in the Agent Honors.
An agent who has previously won the Rookie of the Year Runner-Up Award is eligible for the Rookie of the year
Award, Runner-Up Agent of the Year Award or Agent of the Year award. Level downgrades such as Top Rookie
to Rookie Runner-up will not be recognized.

Agents must meet 85% personal persistency requirement. Meanwhile, agency leaders must meet personal
persistency requirements and team persistency requirements at their highest appointment. These requirements
are enumerated as follows:
Agency leaders will not be considered for Top Rookie Agent and Top Agent awards. Leaders must compete at
their highest appointment level.
26
REF.NO. AFAS23-018
products).
GENERAL AGENCY SPECIAL AWARDS

CATEGORY NAP OTHER REQUIREMENTS*

UM-GA of the Year Highest Unit NAP 2023 Achievers Club for Managers –
(with 1 Runner-Up) among all UM-GAs at least Bronze level (UM)
BM-GA of the Year Highest Branch NAP 2023 Achievers Club for Managers –
(with 1 Runner-Up) among all BM-GAs at least Bronze level (BM)
*Besides meeting the 2023 Achievers’ Club requirements, General Agency Special Awards Official Qualifiers
must also meet 100% of the 2023 retention requirements. This shall be based on direct team achievement thus
excluding the impact of spin-off credits. Refer to the 2023 Appointment, Retention, Segmentation and Benefits for
more details.
The General Agency Special Awards Official Qualifiers must have also qualified to the 2023 Achiever’s Club for
Manager – Bronze level or up based on direct team achievement.
Leaders will compete on highest appointment except for AM-GAs or DM-GAs who will qualify as BM-GAs.
The recognition is open to GA Owners and GA Contributors (Lead GA Contributors) assigned to lead a GA
satellite office considering that both were validated for GA appointment.
In determining the NAP ranking among UM-GAs and BM-GAs, the total team NAP will include team NAP coming
from all GA team contributors. The performance results of all GA contributors assigned in the principal and
satellite GA office shall be credited to the GA Special Awards contest validation of the GA Owner and the Lead
GA Contributor, respectively.
Leaders who will qualify as Annual Special Awardee and GA Special Awardee will be recognized for both
distinctions.

Agency leaders must meet personal persistency requirements and team persistency requirements at their highest
27
REF.NO. AFAS23-018
products).
SERVICE AWARDS
SERVICE YEARS PRIZE

Five (5) years Certificate
Framed Certificate and
Ten (10) years
Included in video montage during Day Awards
Certificate and
Fifteen (15) years
Included in video montage during Day Awards
Certificate,
Twenty (20) years and every five (5) years thereafter Stage recognition during Day Awards and
Watch*
Service years must be continuous; separation will reset service years to zero.
Awardee must have no agency malpractice case on record.
*The watch will only be given once in the service awardee’s lifetime.
CENTURY CLUB
LEVEL NEW LIVES PERSISTENCY PRIZE
Invitation and awarding at the Day Awards,
Century Club 100 85% Plaque of Recognition, Sheaffer (Cross) Pen,
Newspaper recognition
• New lives refer to the life insured under the policy and must be a first-time life insured client in Pru Life
UK where the issue date of such first policy is between January 1 and December 31, 2023.
• Each unique life is counted only once. Hence, if a Life is covered under several policies, he will be
counted as 1 Life. Shared businesses will have the corresponding fraction in new lives credit (e.g.
shared business between 2 agents will have 0.50 new lives credit for each agent).
• There is no APE requirement for a Life to be counted for contest purposes.
• Covered plans are all business lines where OL/UL businesses get 1:1 new life credit while A&H plans
get 3:1 new life credit; except digital bite-sized, digital microinsurance and GCash products.
• Orphan adoptions are not counted as new lives.
• Reinstatement of a lapsed policy will not result in a new life for the reinstating agent.
• PAA Worksite and Worksite Plus plans are included since these are individual policies. Basis shall be
the number of insureds and not the policy owner. The count of insured persons will correspond to the
count of new lives covered.
• Individual policies resulting from employer-paid programs will be counted as contest businesses; these
are policies that are registered in the Pru Life UK systems.
• Lives under group programs (group life and group PA) are not counted as only lives under individual
policies are included.
• If a new client purchased multiple policies from different servicing agents during the contest period,
credit will be given to the servicing agent of the first issued policy. In case issue dates are similar, basis
shall be the policy number wherein the lower policy number will be deemed as having been issued
earlier.
• If a new client purchased a new policy both from a soliciting agent and from TPD, credit will be given to
the soliciting agent.
28
REF.NO. AFAS23-018
Agents and agency leaders must meet 85% personal persistency requirements to qualify for the Century Club.
Persistency will be validated using end December 2023 persistency rates.
products).
PRU SERVICE MARK

REQUIREMENTS REWARDS
15 positive resell transactions 1. Use of LIMRA co-branded logo (print and digital)
At least one (1) year tenure 2. Use of co-branded certificate (printed by
Prudential)
85% personal persistency 3. Participation to a reselling or customer retention
workshop
4. Pru Service Mark Trophy
Leaders will qualify on personal production.
Resell is defined as:

• New policies from existing clients and/or policy owners. The basis will be the policy owner (PLO).
• Top-up on existing policies
• Positive endorsements resulting in increase in premium following an increase in sum assured on
existing policies
• Positive endorsements resulting in increase in premium following the addition of riders on existing
policies
• An existing client who will purchase Group Insurance (EB) covering himself and his employees is
counted as one (1) resell transaction
• Two (2) resell transaction credits will be given to the soliciting agent for either of the following conditions:
o The policy insured is a new life.
o The 2023 resell business is sold to an existing high net worth client (HNW) or to a prospective
HNW; who after purchasing said policy has breached the PhP 1M mark in terms of
accumulated in-force APE. Such accumulated in-force APE is based on policies owned by the
HNW client regardless of servicing agent. The agent on record who sold the latest policy in
2023 will be given the resell credit/s.
Other notes:
• Issuance date of the resell transaction should be within the contest period. The resell transaction shall
cover all business lines, regardless of submission date and case size.
• Resell initiatives made several times for the same PLO by the same agent shall be counted for the
equivalent number of resell transactions made during the year.
29
REF.NO. AFAS23-018
• All positive resell transactions on existing policies will go to the existing agent/s provided the existing
agent/s have a valid appointment status with Pru Life UK.
• In case of multiple resell transactions by different agents for the same PLO, each resell transaction will
be credited to the respective agent.
• For cases where agent upgrades an existing policy which was originally sold by a different agent, the
resell transaction will be credited to the upgrading agent.
• For cases wherein the policy insured is a new life, there will be two resell transaction credits to be given
to the soliciting agent.
• In terms of contest credits for various products available in PULSE, see below:
a. PRULife Your Term (PLYT) in PRUShoppe / PRUShoppe in Pulse purchased by an existing client
will have 1:1 resell transaction credit.
b. A&H products inside Pulse purchased by an existing client will also have 1:1 resell transaction
credit.
c. Digital bite-sized insurance products in Pulse such as PRUDengue MedCare, PRUDengue
MedCare Pro, Breast Cancer Basic, Breast Cancer Extra; Digital microinsurance products in
Pulse such as Infectious Diseases cover, etc. and GCash products purchased by existing clients
will have no contest credits.
Agents and agency leaders must meet 85% personal persistency requirements to qualify for the PRU Service
Mark. Persistency will be validated using end December 2023 persistency rates.
*Issued businesses from other digital platforms outside of PRUone such as those from PULSE, PRUshoppe and
products).
The rewards are not cash-convertible.
Participation to the workshop is highly encouraged. However, in the event of non-participation, the qualifier will
still be entitled to the use of the LIMRA co-branded logo, certificate and trophy.
MILLION DOLLAR AGENCY AWARDS

SUBSEQUENT LEVEL/S OF MDA

CATEGORY MINIMUM YTD NAP SET AT INCREMENTS OF:
UM 50,000,000 10,000,000
BM 60,000,000 15,000,000
AM 150,000,000 50,000,000
DM 400,000,000 100,000,000
Pru Life UK will provide qualified sales teams with the following:
• Certificate of recognition; and
• Beat your Best Token
The MDA Beat your Best token will be given for attaining a higher YTD NAP level compared to previous years.
◼ Cash incentive amount of PhP 20,000
◼ Exceeded previous highest MDA NAP achievement, regardless of management level
◼ Beat your Best token will only be given once for any given year
◼ Cash reward is subject to withholding tax.
30
REF.NO. AFAS23-018
Leaders who qualified for the 2023 MDA will also be featured in the 2023 newspaper advertorial recognition.
Branch Managers and up can compete in their highest appointment and in any agency leader level.
To qualify for the Million Dollar Agency Awards, an agency leader needs to satisfy personal persistency
requirements as well as team persistency requirements for the particular agency leader position he has qualified
for. These requirements are enumerated as follows:
*Issued businesses from other digital platforms outside of PRUone such as those from PULSE, PRUshoppe and
products).
31
REF.NO. AFAS23-018
OTHER HOUSE RULES
Production Contest Credit
The following contest crediting rules on NAP and case count apply to all incentives in this document except the
Protection Drive and Century Club. Refer to production crediting details of these two (2) contests in the specific
section featuring these incentives.
PLANS NAP CASE COUNT
Traditional Life- PruLife, PruMax Invest,
PruLife your Term, PRUHealth FamLove
Regular Premium: PruLink Assurance Account

Plus, PAA Low 100% 1:1
Limited Premium: PruLink Elite Protector,

PruExact Protector, PRUHealth Prime, PEP Low
Pseudo Worksite / Worksite Plus
Stand Alone Critical Illness plans (A&H) For cases with NAP of at least
PhP 36,000 per case:
1:1 case count credit
PA, PruWellness, PruShield (A&H) 100%
For cases with less than
PhP 36,000 NAP per case:
Cumulative NAP from these cases
Worksite Marketing (PAA Worksite) / 36,000 = case count credit*
Enterprise Business** / Group Accounts 100% 1 EB account:1 CC

(Group PA, Group Life)
Single Premium: PruLink Investor Account Plus;

1:1
PruMillionaire
10%
Top-up*** 1 CC credit if NAP is Php 10,000
(top-ups made to VL plans or VL rider top-ups made to
PruMax Invest / PruLife your Term)
PRUDengue MedCare, PRUDengue MedCare Pro, other micro-insurance and GCash products are excluded as
contest credits.
*The resulting case count credit shall be rounded-down prior to summating with the case count credit from
businesses with at least PhP 36,000 NAP. Cumulative NAP will consider NAP from stand-alone CI, A&H and
Worksite Marketing (PAA Worksite).
**Enterprise Business will have 100% NAP credit, 10% FYP credit and 100% FYC credit for MDRT/GAMA. It will
also enjoy case count credit and activation credit. Meanwhile, following contests will not have contest credits for
Enterprise Business and therefore are the excluded contests: Quality Circle, Service Awards, PC slot on new
lives and Century Club (new lives).
***Top-up case count credits will be given on a per top-up transaction basis regardless of how long the base plan
has been in force. Top-up amounts are not to be accumulated in determining case count credits.
Plans that are renewed will not be given APE, NAP, case count and activation contest credits.
Unless otherwise specified, where the basis is total issued production (NAP or APE), this will cover all business
lines and all transactions (issued new businesses, cancellations, top-ups, endorsements*, etc) issued during the
contest period, regardless of submission date and regardless of when the base plan was first issued.
32
REF.NO. AFAS23-018
*Positive endorsements which will be reflected as additional NAP or APE credits are those wherein the
increased sum assured or addition of optional riders resulted to an increase in premium.
Dollar plans paid in dollars or paid in peso via the special dollar facility shall be converted to peso value in
determining the APE or the NAP. The dollar conversion rate shall be assigned by the system based on prevailing
market rates for the period.
Where the contest requires the parameters below, basis shall be the net results as per below:
Parameter Basis Remarks
Cases that were lapsed or cancelled within the contest
Case count period invalidates the case count credit, unless the
Net case count
lapsed business was also reinstated within the contest
period.
Recruits coded within the contest period who were

New recruits Net new recruits terminated within the same period shall be deducted
from the recruitment credit.
Basis for determining whether the agent was activated

shall be net issued case count during the month. This
Active agents Net case count means that any lapsation or cancellation bringing the
case count from 1 to 0 shall invalidate the activation of
said agent. This shall include all business lines,
regardless of NAP and all transactions including top-
ups of PhP 10,000 NAP.
Netting applied on the month of lapse / cancellation / reinstatement rather than on the month the lapsed /
cancelled plan was issued.
Treatment for AUMs/JUMs and new leader appointments

An AUM/ JUM may only compete or participate in Pru Rewards as an agent based on his personal NAP.
NAP will be reckoned exactly from the date of appointment of a new manager. When applicable, carving-out rule
will be applied where the contest parameter requires growth rate for leaders who have spun-off teams. This
means, team production of organic new leaders shall be carved-out from the mother agency leader who spun-off
this daughter team.
Applicable and current hierarchy will be used to determine new recruit, manpower and active agent credits for
leader qualification.
a. From the appointment month of a new UM, all recruits and active agents shall be credited to the new
UM. On the months preceding the appointment month of the new UM, these credits will be with the
existing UM.
b. As an example, if an AUM became a UM on May 18, 2023, all recruits of this AUM from Jan to Apr 2023
shall be credited to the Mother UM. Meanwhile, all recruits of this AUM (now a UM) from May 1, 2023 to
December 31, 2023 shall be counted towards the new UM’s qualification.
The same applies to active agents and manpower.
Current year-appointed inorganic leaders will be allowed to compete as agents and as leaders provided agent
appointment year is also within 2023.
Treatment for Delisted Agents
Delisted agents who are coded in the current year will be deducted from the recruitment credit.
33
REF.NO. AFAS23-018
Businesses issued and other transactions effected under a delisted agent prior to his termination date will be
considered as contest credits on activation and case count.
There will be no deduction on production from delisted agents provided that the business is still in force as APE
considers endorsements and cancellations while NAP considers both these items including lapsations and
reinstatements.
Treatment for Reinstated Agents
Reinstated agents will be excluded as contest credits for new recruits.
However, reinstated agents whose last delistment date is at least five (5) years ago shall be included in the new
recruits credit of the agent/leader recruiter’s and upline managers’ qualification. Credit will go to the reinstating
recruiter and agency leader regardless of the reinstated agent’s previous branch affiliation.
Persistency
Agents must meet personal persistency requirements for qualification. Agency leaders must satisfy both
personal persistency requirements; and when qualifying based on team production, must also satisfy the team
persistency requirement for the level qualified for. Refer to examples below for more details:

A personal persistency of below 85% or 0% will be considered for the incentive provided that:
• This is due to zero personal production or sales of single premium / A&H products alone or a decrease
in personal production; AND
• The agent’s or agency leader’s persistency was not based on lapsed first year policy/ies or first year
policy/ies undergoing unit cancellation during the corresponding study period.
The team persistency of Mother UMs / BMs and AMs shall be reckoned at Mother Team Persistency basis which
means that the transactions of all daughter manager teams shall be included in the persistency computation. This
is in consideration of the mother overrides provided to UMs - AMs who have spun-off daughter teams.
Achievers’ Club – Agent Honor Club
Where the contest is referencing past performance as an Agent Honor Club member, please see equivalent titles
below:
Current Equivalent Titles in
Achievers’ Club – Agent Honor Club Titles 2019 and earlier
Sectoral Achiever Sectoral Qualifier
National Achiever Qualifying Member
Senior Achiever Senior Achiever
Elite Achiever CEO Circle
Star Achiever Star Club Qualifier
Contest revalidation for Pru Life UK-sponsored and implemented agency incentive trip convention
a. On NAP
NAP used for qualification under all annual incentive trips (e,g. SCIC, Protection Drive, President’s Club,
Prudential Agency Leaders’ Conference, etc.) must be maintained for at least 6 months after the
conclusion of the contest period. For instance, 2023 SCIC will be revalidated by July 2024 based on
NAP reductions from January to June 2024. If upon revalidation, the NAP is found to have fallen below
the minimum contest requirement due, but not limited, to the reasons mentioned below, the agent or
agency leader will be disqualified from joining the incentive trip resulting to either dislodging or clawback
without the need for a signed ‘Authority to Clawback’:
• Cancellation;
34
REF.NO. AFAS23-018
• Lapsation; and
• Negative endorsements (e.g. premium reduction, removal of rider, partial withdrawal, full surrender,
etc.)
NAP reduction, for the same reasons, may also affect qualification to an award or recognition. NAP
revalidation will be undertaken the month immediately prior the schedule of award or recognition
release. If the NAP reduction adversely affected qualification, this may result to downgrading or even
revocation of award or recognition.
Reinstatements of lapsed policies that affected the agent’s qualification will be considered provided such
reinstatement transactions were effected on or before the conclusion of the NAP revalidation period.
Note: SCIC NAP credited to the incentive to compensate for lacking case count, recruitment and/or
activation, for those who qualified via the SCIC shortfall requirement, will be included in the NAP for
revalidation.
b. On Persistency
For incentive trips, the persistency requirement will be revalidated two (2) months after the contest
period. For instance, if the contest period is from January to October 2023, persistency will be
revalidated on January 2024 using December 2023 persistency results.
Failure to maintain the required persistency rate will lead to disqualification/dislodgment from the
incentive trip, recognition or awards or contest cost claw-back, whichever is applicable.
Persistency rates to be revalidated will be personal persistency, highest appointment team persistency
and the team persistency for the level qualified for. A manager who has failed his team persistency
revalidation will be deemed to have not satisfied this criterion notwithstanding a personal production
exceeding 20% of the regular qualification NAP requirements.
MDRT / GAMA incentives meanwhile, relate to sponsorship of costs for an event hosted by an external
organization and relates only to the meeting fee, airfare, hotel, etc. and hence not subject to revalidation.
The following performance metrics are not subject to revalidation: rider-attachment NAP, number of recruits,
average active agents, protection sellers, among others.
Qualitative Criteria
Sales disciplinary sanctions such as suspension of the right to sell / license carries a prescriptive period
beginning on the first day of the suspension period. Said prescriptive period is equivalent to the length of the
suspension period. Within such period, the agency member will not qualify to contests, recognition, incentives
and/or trips. The prescriptive period will affect all contests where the contest period ends during the prescriptive
period.
Agents who have been alleged to have committed malpractice cases and where the case is still undergoing
evaluation may still qualify to contests on the presumption of innocence until proven otherwise.
An agent or agency leader who qualified to a contest, recognition, incentive and/or trip is still entitled to such,
provided the contest period of such incentive/s to which the agent qualified to ended prior to his
suspension/prescriptive period, even if rewards settlement happens during his suspension period.
The prescriptive period will apply notwithstanding an appeal filed by the agency member contesting the case
decision, resolution or sanction. If an appeal is approved and the suspension was lifted earlier than schedule,
then adjustments to the prescriptive period will also be made to reflect the revised length of such suspension.
Other quality metrics
a. On Cross-selling: Selling to another agent or to a fellow agent’s spouse/children is permitted. However,

the sale will not be credited for contest purposes. If it is also found that an agent has sold a policy to a
fellow agent, spouse or child of a fellow agent which has lapsed within the 13-month period after the
sale, no future sales to fellow agents, spouse or child of a fellow agent will be allowed for this Agent.
35
REF.NO. AFAS23-018
b. Splitting of cases is not allowed. This involves the splitting of one application to numerous cases bearing
the same details as below:
b.1 Same life insured and policyowner details
b.2 Same plan currency
b.3 Same product grouping*
b.4 First issued date falls within the same calendar month
b.5 Sold by the same agent
Cases ascertained as split cases** will be counted as one case count credit or active agent count credit
for contest qualification.
*The following table below indicates the product groupings:

Product grouping Plans
Traditional Life – Life PRULife, PRUMax Invest, PRULife Your Term
Traditional Life – Life and Health PRUHealth FamLove
Traditional Life - Group Enterprise Business
Regular Pay Unit-linked PAA Plus, PAA Low, PAA Worksite
Limited Pay Unit-Linked – Life PRULink Elite Protector, PRUExact Protector,
PEP Low
Limited Pay Unit-Linked – Life and Health PRUHealth Prime
Single Premium PRUMillionaire, PRULink Investor Account Plus
A&H PA, PRUWellness, PRUShield, Stand-alone CI
**If all conditions from b.1 to b.5 apply, then the cases involved shall be tagged as split cases.
c. On appointment status - The contests, recognition programs and trip incentives contained in this
document are limited to agents/agency leaders with valid agency appointments by the end of the contest
period. Any qualifier whose agency appointment becomes invalid at the time of contest settlement will
forfeit his contest qualification.
d. Anyone may be considered as a qualified agency incentive trip guest or companion except:
• Agents or agency leaders who did not qualify for the trip;
• Agents or agency leaders who are not in good standing* with Pru Life UK;
• Pru Life UK direct clients (insured and/or policyowner with an in-force PLUK policy) of the qualifier
bringing along the guest or companion;
• Prospective clients**; and
• Relatives of co-agents whether such co-agents are qualifiers or otherwise.
*Agents who are joining trip incentives as guests or paying companions must be of good standing with
Pru Life UK. Agents who are currently serving the penalty of contest disqualification or under
suspension / prescriptive period are not allowed as guests nor paying companions.
In case of a pending complaint, the agent or agency leader may still join the trip as guest or paying
companion on the presumption of innocence until proven otherwise.
**A prospective client is defined as an individual who becomes a direct client of the qualifier whether as
an insured or policy owner within one (1) year from the date of the trip. In such an instance, the finding
shall be reported to Financial Crimes for investigation on alleged Rebates and Remunerations as
defined in the Disciplinary Matrix. Substituted trip participation is not allowed. This means you can only
bring along a companion if you will also be present during the incentive trip.
However, a non-qualifying agent or agency leader, a direct client, prospect or relative of a fellow agent
can be considered as an official or paying companion if they are:
• Related to the qualifier up to the 4th degree of consanguinity such as parents, children, siblings,
grandparents, grandchildren, uncles/aunts, nephews/nieces, great grandparents, great
grandchildren and first cousins; or
• Related to the qualifier up to the 2nd degree of affinity such as spouse, stepchildren, stepparents,
parents-in-law, and children-in-law.
Cash conversion guidelines
Cash conversion is allowed except for:

◼ PCA or Prudential-sponsored trips such as PC and PALC
36
REF.NO. AFAS23-018
◼ First-time qualification to any PLUK convention

◼ First-seat to the SCIC as a first-time SCIC qualifier
Guidelines for PC and PALC

◼ PC and PALC seats whether as a first-time or repeat qualifier cannot be converted to cash.
Guidelines for first-time qualification
◼ A first-time PLUK convention qualifier who has never qualified to any trip incentive in the past cannot
encash his first seat for the said convention hence if not availed, seat is forfeited.
◼ Subsequent seats earned in the same convention or all seats earned in the future (except SCIC, PC and
PALC) may be cash-converted.
In determining whether an agent or leader has qualified to any PLUK agency convention, the following
contests with a trip component shall be excluded:
a. Rookie High Flyers and Achievers’ Club Summit*
b. LAMP USA, MDRT PCA Annual Meeting, APLIC**
The list above is not exhaustive.

* recognition-based and not cash convertible
** recognition-based, not cash convertible and organized by an external organization
Guidelines for SCIC

◼ First SCIC seat as a first-time SCIC qualifier (even if qualified prior to a non-SCIC agency trip incentive)
cannot be encashed hence if not availed, first seat is forfeited.
◼ Only subsequent seats from above may be encashed.
◼ Succeeding year/s’ SCIC qualification will allow encashment of all seats earned.
When allowed, conversion will be eighty-five percent (85%) of the total package cost, less local expenses on
travel (e.g. Cebu to Manila), hotel accommodation and travel expenses/taxes. Cash conversion is subject to
withholding tax.
MDRT and GAMA sponsorship-based rewards cannot be converted to cash. Non-participation to the event or
recognition or annual meeting will forfeit the agency member’s qualification to such an event.
Reimbursement Guidelines
The following guidelines are applicable for reimbursement of fees related to external convention such as MDRT,
GAMA, etc. (convention fee, registration fee, hotel accommodation, airfare, etc.)
• All reimbursement requests must be supported by original official receipts.
• The reimbursement must be filed no later than 30 calendar days from the date of the official receipt.
Reimbursement requests must have been received by Home Office on or before this 30day period.
• Refund shall be equal to actual costs but not exceeding applicable limits as budgeted,
notwithstanding actual cost exceeded said limit.
• Refund will be credited to the agent’s account whose name also appears on the official receipt.
• In case 2 or more agents have shared in the payment and where only 1 Official Receipt was issued
by the provider, amount to be credited shall be the proportionate amount divided by the number of
agents who have shared in the payment. Thus, names of the agents who have shared in the
payment must be indicated in the request with the attached original Official Receipt.
• Separate reimbursement requests must be filed by each agent notwithstanding shared hotel
accommodation costs via twin sharing. The reimbursement request of the other agent/s must then
be supported by a photocopy of the Official Receipt bearing as well the names of the fellow agents
who have shared in the hotel accommodation.
37
REF.NO. AFAS23-018
Other Guidelines
• The following recognition / incentive qualifiers will have their photos included in the newspaper
advertorial: (1) Achiever’s Club: Agent Level: Star Achiever; (2) Achiever’s Club: Manager Level: bronze
to titanium qualifiers and (3) all Million Dollar Agency qualifiers.
• MDRT and GAMA qualifiers will have their own newspaper advertorial via the MDRT / GAMA
newspaper recognition.
• The highlighted tourist attractions in this bulletin are some of the best activities, experiences and sights
of the respective incentive trip destination. The final trip itinerary shall be communicated separately.
Businesses which were appealed to be included as part of 2022 contest credits, when approved, shall be
excluded from 2023 contest credits.
Requests for clarification on the contest results will be accepted until 10 working days from the release
of the contest official results. Any challenge inquiries received beyond this deadline will not be
entertained.
The company reserves the right to revise any of the provisions mentioned in this document (e.g.
destination of trip incentive, type of special token, venue of recognition, etc). Final interpretation of the
contest mechanics, parameters and house rules shall also be rendered by the company.
38

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REF.NO.

To: AGENCY FORCE

From: ENG TENG WONG

RE: PRU REWARDS 2023

Qualify to these amazing incentive trip destinations and

MA. DIVINA H. FURAGGANAN ENG TENG WONG

STAR CLUB INTERNATIONAL CONVENTION (SCIC)

Regular Destination: Alaskan Cruise (regular qualification, via Vancouver) and

UM 21,900,000 4,500,000 32,500,000 6,500,000 n/a 85% 83% 36 15

BM 76,500,000 15,300,000 113,600,000 22,750,000 n/a 85% 80% 150 75

AM 267,700,000 53,600,000 397,300,000 79,500,000 n/a 85% 80% 550 240

DM 670,000,000 134,000,000 993,200,000 198,700,000 n/a 85% 80% 960 600

Early Qualification, Regular Qualification and Pocket Money Guidelines:

Regular NAP Crediting:

Rider Attachment NAP Crediting:

The optional riders must be in-force optional riders as at 31 December 2023.

New recruits and Average Active Agents

Issued Case Count

The following shall apply in determining the number of case count:

Cumulative sum assured from these cases

Quotient shall be rounded-down to the nearest whole number.

Number of Protection Sellers

PRUone contest crediting rules:

PRESIDENT’S CLUB (PC)

The PC is open to all agents and agency leaders.

The following tie-breaker provision shall be applied:

◼ Q1- to Q4-2023 consistent Life Club Beyond

• 100 new lives in 2023

PC Qualifier Top Agent in terms of number of new lives

regardless of submission date and case size)

• 4 new HNW clients by 31 December 2023

PC Qualifier Top agent in terms of count of HNW clients

A PRUPremiere qualifier is an agent who is servicing at least four (4)

Digital bite-sized insurance products (PRUDengue MedCare, PRUDengue

• 6 lead conversions to OL/UL from PRULeads

PC Qualifier Top Agent in terms of number of PRULeads conversions

• Open to all agents. Agency leaders will qualify via personal

clients farmed out via Pruleads app.

PC Qualifier Top Agent in terms of number of EB2Life Conversions

• 10 validating PRUVenture candidates in 2023

PC Qualifier Top UM in terms of count of validating PRUventure

• Open to all UMs. BMs and up will qualify as direct UMs.

Number of months activated in 2023_______

*appointment month is treated as free month

Performance • 6 new UMs whether organic or inorganic

In terms of new BMs competing beginning at the middle of 2023, hierarchy

Manpower hierarchy as at 31 December 2023 shall be used in determining the

Besides meeting the 2023 Achievers’ Club requirements, the PC qualifier

on direct team achievement thus excluding the impact of spin-off credits.

Leaders will compete on highest appointment except for AM-GAs or DM-GAs

The recognition is open to GA Owners and GA Contributors (Lead GA

PRUone contest crediting rules:

PRUDENTIAL AGENCY LEADERS’ CONFERENCE (PALC)

The following tie-breaker provision shall be applied:

PRUone contest crediting rules:

MILLION DOLLAR ROUND TABLE (MDRT)

Global Conference/ Annual Meeting: TBD

Single premium and top ups are given 6% FYP credits.

Global Conference: TBD

HOME OF MDRTs and MDRT BUILDER

Rewards are non-cash convertible.

MDRT CONSECUTIVE QUALIFICATION BONUS

Qualification requirements: must meet both