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Link Assurance Account Plus
maximum protection.
Avail of high protection benefit with an investment opportunity
at an affordable cost.Link Assurance Account Plus
PRULink Assurance Account Plus is an affordable regular-pay
investment-linked life insurance product that provides maximum
protection through its living, disability, and death benefits combined
with an investment opportunity.
Can be issued to Affordable annual Coverage is up to
premium starts at provided the
policy's premium is
paid regularly
Legacy to your loved ones
In case of death of the life insured, beneficiaries will receive the sum assured plus the
fund value®). If top-ups were made, 125% of top ups” less 125% of withdrawals on the
top up units shall be added as well.
Ready fund in case of disability
Receive a cash benefit which will be deducted from the base plan sum assured in case
you suffer from sickness or injury that prevents your ability to work or carry out basic
activities such as moving, bathing, and feeding without assistance.
Additional benefit in case of accidental death or disablement
Get an additional cash benefit in case of an accident that results in death or disability.Source of funds for emergency
When you have no one to turn to, the fund value of this policy could be a ready source
of cash. However, withdrawing from your fund may affect its ability to sustain future
charges of the policy and could lead to termination of the policy.
Celebrate the life you live
Receive the sum assured plus the fund value once you reach age 100 while the policy
is in force.
What PAA Plus does for you:
You get to enjoy flexibility
Choose from a range of sum assured (minimum to maximum)
for a specific premium.
You get bui benefits
This is regardless of occupation or health condition through Accelerated
Total and Permanent Disability and Accidental Death and Disablement riders.
You can enjoy a loyalty bonus
For years 11 to 20, a percentage of the annual premium will be given to buy
additional units and increase the fund value of your policy provided that you pay
your premiums regularly and on time.
You need not pay for surrender charges
Incur no charges upon partial or full withdrawal of the fund value
of the policy if no top-ups were made.
You customize your own plan
We offer 11 optional benefits to enhance your life and disability protection:
Protection against accident, death, and disability
* Future Safe Rider
+ Personal Accident
* Payor Term
* Payor Waiver
+ Waiver of Premium on Total and Permanent Disability
Protection against critical illnesses
* Life Care Benefit
* Life Care Plus
* Life Care Advance Plus
+ Multiple Life Care Plus
* Life Care Waiver
Protection against hospital expenses
« Hospital Income BenefitWhy trust Pru Life UK?
We stand for stability.
Pru Life UK is the local subsidiary of Prudential plc, an Asia-led portfolio of businesses focused on structural
growth markets. It has 17 million life customers in its Asia and Africa businesses and built on a tradition
‘that adheres to the strictest and most prudent insurance standards. This same tradition applies to its
operations all over the world, including the Philippines.
We are dynamic, fast-growing, and innovative.
Pru Life UK is among the leaders in the industry. In 2002, we introduced in the market
the variable life insurance products, which are permanent life insurance policies with an investment
component.
We provide expertise.
Our fund managers are considered as some of the best in the region. Eastspring Investments (Singapore)
Limited is the Asian asset management business of Prudential plc, an international financial services group
that has one of the widest footprints across Asia. Pru Life UK Investments is the investment arm and a
wholly-owned subsidiary of Pru Life UK. Through our fund managers, we provide investment solutions across
a broad range of asset classes including equities, fixed income, multi asset solutions and alternatives and
are committed to delivering high quality investment outcomes for our clients over the long term.
For more information on the product's key features and optional benefits, you may visit our website
at www.prulifeuk.com.ph
+ Benefits indicated above are subject to specific guidelines set by Pru Life UK and the actual provisions of the policy contract
2 Fund values are not guaranteed. The fund value may run out due to partial withdrawals, deduction of charges, and/or extreme
‘market volatility. Ifthe fund value becomes insufficient to pay forthe charges, you may make a top-up to keep the fund value
sufficient and your policy in force.
> Top-ups are subject to top-up amount limits and to an initial charge of 3% of the top-up amount. Death benefit is increased by
125% of top up amount.
“Partial/full withdrawal from the top-up units is subject to surrender charges of 5%, 4%, 386, 2%, and 1% for the frst five years
from the time top-up was made. Partial withdrawals diminish both the death benefit and fund values.
Optional Benefits Disclaimers:
Pre-existing Conditions - medical conditions, injuries or illnesses that you already have before purchasing Life Care Advance Plus
(LCAP), Multiple Life Care Plus (MLCP) and/or Hospital Income (HI) benefit will not be covered.
Plan Exclusions — this plan and other benefits attachable to it has other conditions and exclusions that may affect the payment of
the insurance proceeds.
Free-look Period - you have 15 days from the date you receive your Policy Data Page to decide if LCAP, MLCP and/or HI benefits
are for you. If you advise us that you wish to discontinue your coverage within this period, we will refund the rider premium you
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