An Insurance Proposal specially designed for:
Insured: PRINCESS APOSTOL
Age 8, Female, Standard
Payor: MARIA THERESA APOSTOL
Age 41, Female , Standard
Plan Information:
Page 1 of 3
Basic: 10-PAY PESO INTENSIFY!
A 10-pay Peso-denominated participating endowment at age 85
plan with anticipated endowments.
Riders:
Payor's Benefit Rider
Accidental Death and Dismemberment Rider
Printed on 05/19/2021
PROPOSAL REF NO: Z2IC3M5HAA-BS000RM
COVERAGE AND PREMIUM SUMMARY
Type of Coverage Benefit Amount Modal Premium (Annual) Years Payable
Basic Plan 200,000.00 26,600.00 10
Waiver Rider 27,108.00 954.20 10
Accident Rider 200,000.00 508.00 10
TOTAL MODAL PREMIUM: 28,062.20
ANNUALIZED PREMIUM 28,062.20
SNAPSHOT OF BENEFITS AT AGE 60
For You For Your Beneficiaries
(Living Benefits at the end of Policy Year 52) (Death Benefits at the end of Policy Year 52)
Guaranteed Cash Value 117,752 Guaranteed Death Benefit 220,000
Non-guaranteed Cash Dividends2 Non-guaranteed Cash Dividends2
35,198 35,198
Accumulated at 1.00% p.a. Accumulated at 1.00% p.a.
TOTAL LIVING BENEFITS 152,950 TOTAL DEATH BENEFITS 255,198
SUM OF ANTICIPATED ENDOWMENTS PREVIOUSLY RECEIVED
300,000
(WITHOUT INTEREST)
DID YOU KNOW THAT YOUR PREMIUMS MAY CHANGE IF:
- you choose OTHER MODES? - OR if you purchased this insurance a year ago?
Premium Modal Annualized Please sign here if you want to change Annual Premium - Age 7, Female, Standard 26,600.00
Mode Premium Premium your premium mode:
Annual 28,062.20 28,062.20 *** This mode is currently illustrated. - OR if you will wait for another year before availing this insurance?
Semi-Annual 14,732.66 29,465.32 I choose Semi-Annual. ______________
Annual Premium - Age 9, Female, Standard 26,600.00
Quarterly 7,717.11 30,868.44 I choose Quarterly. ______________
Monthly - - *** This mode is NOT available.
* Premiums illustrated here are for the Basic Plan and Riders, if any. ** Premiums illustrated here are for the Basic Plan only.
Notes:
1. This is only an illustrative document. It does not purport to be a contract of insurance and does not in any way create any rights and obligations. Rights and obligations
would be governed by the Policy, if issued, and will be subject to its terms and conditions.
2. Dividends (if applicable) were assumed to be left with the Company to accumulate at an interest rate of 1% p.a under the assumption that no withdrawals were made
during the life of the Policy. Dividends are not guaranteed. The dividend rates will be based on the actual Company experience from time to time.
3. The cash value (if applicable) shown at the end of policy year, when anticipated endowments are due, already excludes such anticipated endowments.
4. The annualized premium illustrated above is based on Annual mode. You can designate a different mode or frequency of payment and receive the same benefits.
For Allianz PNB Life's use only: SD-FE0-FY57-ACC:NCV-29970
Your Allianz PNB Life Financial Advisor should explain the features of your chosen product. As
Policy Number 123456782
product values and availability may change without prior notice, please ask your Financial Advisor
for the most current sales illustration. Referring Bank Philippine National Bank
Maria Janice Dayanghirang - PNB - 05/19/2021 12:52 6.30.4-05192021
Proposal for PRINCESS APOSTOL, Age 8
Payor MARIA THERESA APOSTOL, Age 41
Plan Name 10-PAY PESO INTENSIFY!
Page 2 of 3
Printed on 05/19/2021
Juvenile Yes Payment Mode Annual
Issue Age 8 Dividend Opt Accumulate
Sex Female Denomination Philippine Peso
PROPOSAL REF NO: Z2IC3M5HAA-BS000RM LOW: Accumulation Rate (1.00% FFR, 1.00% DIV) MID: Accumulation Rate (2.50% FFR, 2.50% DIV)
ANNUALIZED ANTICIPATED GUARANTEED
POLICY YEAR & GUARANTEED ACCUM CASH TOTAL LIVING TOTAL DEATH ACCUM CASH TOTAL LIVING TOTAL DEATH
PREMIUM (Beg ENDOWMENTS DEATH
ATTAINED AGE CASH VALUE DIVIDENDS [2] BENEFIT BENEFIT DIVIDENDS [2] BENEFIT BENEFIT
Of Yr)[5] (End Of Yr) BENEFITS
1 - Age 9 28,062.20 - - 200,000 30 30 200,030 40 40 200,040
2 - Age 10 28,062.20 - 7,568 260,000 99 7,667 260,099 133 7,701 260,133
3 - Age 11 28,062.20 - 47,916 320,000 210 48,126 320,210 282 48,198 320,282
4 - Age 12 28,062.20 - 66,136 380,000 362 66,498 380,362 489 66,625 380,489
5 - Age 13 28,062.20 - 84,940 440,000 559 85,499 440,559 760 85,700 440,760
6 - Age 14 28,062.20 - 104,382 440,000 802 105,184 440,802 1,095 105,477 441,095
7 - Age 15 28,062.20 - 124,486 440,000 1,093 125,579 441,093 1,500 125,986 441,500
8 - Age 16 28,062.20 - 145,280 440,000 1,434 146,714 441,434 1,977 147,257 441,977
9 - Age 17 28,062.20 - 166,802 440,000 1,828 168,630 441,828 2,533 169,335 442,533
10 - Age 18 28,062.20 20,000.00 169,088 440,000 2,275 191,363 442,275 3,168 192,256 443,168
11 - Age 19 0.00 - 178,850 420,000 2,745 181,595 422,745 3,843 182,693 423,843
12 - Age 20 0.00 - 184,814 420,000 3,276 188,090 423,276 4,612 189,426 424,612
13 - Age 21 0.00 22,000.00 168,996 420,000 3,873 194,869 423,873 5,479 196,475 425,479
14 - Age 22 0.00 - 179,188 400,000 4,482 183,670 404,482 6,376 185,564 406,376
15 - Age 23 0.00 - 185,194 400,000 5,157 190,351 405,157 7,375 192,569 407,375
16 - Age 24 0.00 24,000.00 167,430 400,000 5,903 197,333 405,903 8,486 199,916 408,486
17 - Age 25 0.00 - 178,022 380,000 6,649 184,671 386,649 9,614 187,636 389,614
18 - Age 26 0.00 - 184,034 380,000 7,467 191,501 387,467 10,856 194,890 390,856
19 - Age 27 0.00 26,000.00 164,270 380,000 8,362 198,632 388,362 12,221 202,491 392,221
20 - Age 28 0.00 - 186,150 360,000 9,241 195,391 369,241 13,587 199,737 373,587
21 - Age 29 0.00 - 192,860 360,000 10,195 203,055 370,195 15,077 207,937 375,077
22 - Age 30 0.00 28,000.00 171,828 360,000 11,232 211,060 371,232 16,700 216,528 376,700
23 - Age 31 0.00 - 182,262 340,000 12,234 194,496 352,234 18,303 200,565 358,303
24 - Age 32 0.00 - 188,834 340,000 13,316 202,150 353,316 20,041 208,875 360,041
25 - Age 33 0.00 30,000.00 165,654 340,000 14,483 210,137 354,483 21,920 217,574 361,920
26 - Age 34 0.00 30,000.00 145,994 320,000 15,592 191,586 335,592 23,754 199,748 343,754
27 - Age 35 0.00 30,000.00 125,530 300,000 16,598 172,128 316,598 25,482 181,012 325,482
28 - Age 36 0.00 30,000.00 104,230 280,000 17,498 151,728 297,498 27,097 161,327 307,097
29 - Age 37 0.00 30,000.00 82,056 260,000 18,285 130,341 278,285 28,590 140,646 288,590
30 - Age 38 0.00 30,000.00 58,970 240,000 18,952 107,922 258,952 29,951 118,921 269,951
52 - Age 60 0.00 - 117,752 220,000 35,198 152,950 255,198 69,530 187,282 289,530
57 - Age 65 0.00 - 132,842 220,000 40,375 173,217 260,375 83,310 216,152 303,310
62 - Age 70 0.00 - 148,408 220,000 46,198 194,606 266,198 99,425 247,833 319,425
67 - Age 75 0.00 - 164,522 220,000 52,706 217,228 272,706 118,191 282,713 338,191
72 - Age 80 0.00 - 182,258 220,000 59,947 242,205 279,947 139,974 322,232 359,974
77 - Age 85 0.00 220,000.00 - 220,000 68,048 288,048 288,048 165,292 385,292 385,292
Notes:
1. This is only an illustrative document. It does not purport to be a contract of insurance and does not in any way create any rights and obligations. Rights and obligations would be governed by the Policy, if issued,
and will be subject to its terms and conditions.
2. Dividends (if applicable and shown in this proposal) were accumulated using 1.00% and 2.50% interest rates under the LOW and MID assumptions, respectively. Dividends declared per year under the LOW
scenario are assumed to have a reduced scale which is 25% lower than the MID scenario. Dividends are not guaranteed. The dividend rates will be based on the actual Company experience from time to time.
3. The deposits and accumulations to the Flexi-Fund Rider (FFR), if any, are included in the computation of columns Total Living Benefit, and Death Benefit (if applicable and shown in this illustration). As
illustrated in your proposal, fund accumulations are projected at an assumed pre-tax interest rates of 1.00% and 2.50% (low and mid assumptions, respectively). The crediting interest rate which will be declared
by the Company is not guaranteed and may change from time to time.
4. The cash value shown at the end of policy year, when anticipated endowments are due, already excludes such anticipated endowments.
5. The annualized premium illustrated above is based on Annual mode. You can designate a different mode or frequency of payment (see Page 1, lower left section) and receive the same benefits.
Declaration
I confirm having read and understood the information contained in this 3-page summary of illustrated benefits.
Applicant's Name: Signature: Date:
Allianz PNB Life Client Survey:
1.) Kindly check one box regarding our bank partners.
I am a client of PNB. (Please name one of your branch/es: ______________________________________ )
I am not a client of PNB. I am neither a borrower nor a depositor of this bank.
I am a client of another bank.
2.) Have you been offered or purchased insurance through a bank before?
Yes (From which insurer: ______________________________________)
No
This proposal was generated by Allianz PNB Life Trad SI 6.30.4 on 05/19/2021.
PARTICIPATING LIFE INSURANCE PLAN Page 3 of 3
ACKNOWLEDGEMENT OF VARIABILITY
APPLICANT: Princess Apostol
10-Pay Peso
PLAN:
Intensify!
ISSUE AGE: 8
SEX: Female
INTERMEDIARY'S NAME:
I acknowledge that:
I have applied with Allianz PNB Life Insurance, Inc. for an insurance plan as specified above, and have reviewed the illustration(s) that show(s) how a life insurance policy
performs using the company's assumptions based on the Insurance Commission's guidelines on interest rates.
I understand that only those values described as guaranteed, if any, are guaranteed. All other policy values can change and may probably be different from those illustrated
to me. Actual values may be higher or lower depending on the dividend rates actually earned.
I understand that dividend rates change from year to year and since these are affected by the company's mortality experience, investment returns, expenses, and taxes, and
that Allianz PNB Life Insurance, Inc. will advise me of the actual amount of the dividend, if any.
If on any future date I choose to use available policy dividends to pay for my future premiums, I understand that actual dividend performance will detemine when or if
policy values are sufficient to pay my future premiums.
I understand that the illustration(s) given to me will not become part of any issued policy, as these are provided only to show how policy benefits would change over time
under a specific set of assumptions.
Applicant's Signature over Printed Name Date
