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EQS70035132-8B37-B958BEA6EE77-190312-OF
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PRUlink assurance account plus is a regular -pay variable life Proposed Life Insured : JOHN DEM Y. RATILLA
insurance product that provides living, disability, and death benefits.
Age : 28
The living benefits are the partially and fully withdrawable values ,
subject to decreasing Surrender Charges for Top -ups (if applicable), Sex : Female
which are taken from the Policy's share in the separate fund(s). The Total Annual Premium : PhP 43,200
Accelerated Total and Permanent Disability Benefit accelerates a
percentage of the Sum Assured while the Accidental Death and Basic Cover : PhP 2,500,000
Disablement Benefit is on top of the Sum Assured. The Death Benefit Accelerated Total &
is the total of the Sum Assured and the Policy 's Full Withdrawal Permanent Disability Benefit : PhP 500,000
Value. Optional benefits can be included in PRUlink assurance
Accidental Death &
account plus.
Disablement Benefit : PhP 60,000
This product is a variable contract. The benefits, namely the Partial
and Full Withdrawal Values and the actual Death Benefit at time of PRUlink bond fund
death, all depend on the investment experience of separate
account(s) linked to the Policy. If the Fund Value becomes insufficient The PRUlink bond fund seeks to achieve an optimal level of income in
to pay for applicable charges, the Policy automatically terminates, and the medium term together with long-term capital growth through
all benefits end. The applicable charges are explained in the investments in fixed income securities and money market instruments.
Illustration of Benefits for each fund.

THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT ARE PRUlink managed fund
BORNE SOLELY BY THE POLICYOWNER. The PRUlink managed fund seeks to optimize medium- to long -term
capital and income growth through investment in fixed income
If, after buying the Policy, you decide it is not suitable to your securities, money market instruments, and shares listed on the
needs, simply return the Policy Booklet with your Policy Data Philippine Stock Exchange.
Page to us within fifteen (15) days from the date you
received them. We will refund the Regular Premium you paid PRUlink growth fund
in full.
The PRUlink growth fund seeks to optimize medium- to long -term
capital and income growth, with an emphasis on strong capital
growth, through a greater focus of investment in shares of stocks
listed in the Philippines. The fund also invests in fixed income
securities, and money market instruments.

100 % PRUlink equity fund

The PRUlink equity fund seeks to optimize medium- to long -term capital
I have read and understood the disclosures and the contents of this Sales growth through investments in shares of stocks listed in the
Illustration. My agent has explained to my satisfaction the principal features
Philippines.
of the Policy plus the contents of this Sales Illustration and the manner in
which the variable benefits will reflect the investment experience of the
separate account(s). I fully understand the terms and conditions of this PRUlink proactive fund
Policy and that when buying this Policy, I am assuming all investment risks
associated with it. The PRUlink proactive fund seeks to optimize medium- to long -term
capital and income growth with emphasis on dynamic asset allocation
I have read and understood my Investment Risk Profile in the Suitability by fund managers through investment in fixed income securities ,
Assessment Form and have made an assessment of my risk appetite with
money market instruments, and shares of stocks listed in the
the help of my agent. I have taken my Investment Risk Profile into
consideration in my choice of fund allocation.
Philippines.

I also understand that in the event of claim, my Policy, including any

optional benefits, will terminate if the aggregate amount of claim on
Accelerated Total and Permanent Disability Benefit and /or Accelerated Life
Care Benefit is equal to the Sum Assured.

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

In addition, I understand that the Company has the right to vary the This Sales Illustration shall form part of the Insurance Contract once
Insurance Charge, Policy Fee, Annual Management Charge, and any Rider the Policy is issued. For more information on what constitutes the
Charge and Extra Charge in the future, but will not do so without prior entire insurance contract, please ask your servicing agent or refer to
approval of the Insurance Commission. your Policy Booklet.
Eastspring Investments (Singapore) Limited ("Eastspring Investments") is an ultimately wholly
owned subsidiary of Prudential plc of the United Kingdom ("Ultimate Parent Company").
JOHN DEM Y. RATILLA Eastspring Investments and its Ultimate Parent Company are not affiliated in any manner with
Applicant-owner Prudential Financial, Inc., a company whose principal place of business is in the United States
of America. Eastspring Investments is the asset management arm of Prudential plc in Asia, and
has been managing Pru Life Insurance Corporation of U.K.'s (“Pru Life UK”) underlying funds for
JOHN DEM Y. RATILLA its unit-linked or investment-linked product portfolio since Pru Life UK pioneered the PRUlink
Proposed Life Insured product line in 2002.

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
 PRUlink assurance account plus Page 2 of 6
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PROTECTION BENEFITS PAGE

Enjoy the advantage of having a comprehensive plan complete with additional protection benefit(s) which enhance(s) the PRUlink
assurance account plus policy you are going to purchase.

You have chosen the benefits below:

Benefit Benefit Protection Benefit

Benefit type amount

Basic Cover (Sum Assured) Lump Sum 2,500,000.00 2,500,000.00

Accelerated Total and Permanent Disability Lump Sum 500,000.00 Included in Basic Cover
Accidental Death and Disablement Lump Sum 60,000.00 60,000.00
Accelerated Life Care Benefit Lump Sum 500,000.00 Included in Basic Cover
Waiver of Premium on TPD Waiver 43,200.00 Future Premiums
Personal Accident Rider Benefits
PA - Accidental Death and Disablement Lump Sum 1,250,000.00 1,250,000.00
Accidental Total and Permanent Disability Lump Sum 1,250,000.00 1,250,000.00
Murder & Assault Benefit Lump Sum 625,000.00 Included in PA-ADD
Renewal Bonus Additional Benefit
Accidental Medical Expense Reimbursement Lump Sum 125,000.00 125,000.00

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
 PRUlink assurance account plus Page 3 of 6
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ILLUSTRATION OF BENEFITS - PRULINK EQUITY FUND
The values below are based on the projected performance of the Fund where The HIGH and LOW investment returns, at 10.00% and 4.00%, are those
your Policy is linked. Because fund performance is not guaranteed, the prescribed by the Insurance Commission. The illustrated “CURRENT”
values are also not guaranteed. In addition, the assumed investment returns investment return is based on the actual average investment return
used in projecting the LOW, CURRENT, and HIGH values represent a range of experienced by the Fund in the last thirty-six (36) months, as indicated in the
possible returns that may be achieved by the Fund. The HIGH and LOW Historical Unit Fund Performance page, except that if the average exceeds
assumptions are only for illustration purposes and do not represent the upper 10.00%, the illustrated investment return is capped at 10.00% .
and lower limit of the actual investment return that may occur .

PROJECTED BENEFITS
Policy Attained Top-up Withdrawal Fund
FULL WITHDRAWAL VALUE
Year Age Amount Amount Allocation**
LOW (4.00%)* CURRENT (2.55%)* HIGH (10.00%)*
1 29 - - - - - -
2 30 - - 21,600.00 - - -
3 31 - - 21,600.00 10,458.77 10,313.27 11,062.36
4 32 - - 43,200.00 44,050.67 43,288.67 47,256.88
5 33 - - 43,200.00 78,754.15 76,877.18 86,825.99
6 34 - - 43,200.00 114,569.98 111,051.35 130,060.93
7 35 - - 43,200.00 151,498.93 145,783.08 177,282.02
8 36 - - 43,200.00 189,602.04 181,102.90 228,905.29
9 37 - - 43,200.00 228,827.88 216,928.80 285,266.85
10 38 - - 43,200.00 269,177.89 253,230.89 346,794.52
11 39 - - 47,520.00 315,108.89 294,371.82 418,671.32
12 40 - - 47,520.00 362,318.84 336,012.82 497,145.73
13 41 - - 47,520.00 410,662.57 377,973.11 582,669.78
14 42 - - 47,520.00 460,089.13 420,165.91 675,846.51
15 43 - - 47,520.00 510,572.07 462,528.38 777,367.27
16 44 - - 47,520.00 562,064.13 504,976.64 887,971.66
17 45 - - 47,520.00 614,492.84 547,401.62 1,008,448.58
18 46 - - 47,520.00 667,796.61 589,705.11 1,139,680.34
19 47 - - 47,520.00 721,996.88 631,870.67 1,282,727.93
20 48 - - 47,520.00 776,922.51 673,690.67 1,438,553.76
32 60 - - 43,200.00 1,357,087.25 1,008,158.91 4,726,187.43
37 65 - - 43,200.00 1,518,681.27 1,016,018.99 7,457,372.47
*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
**Fund allocation is the total allocated amount from Annual Premiums and Top -ups, and is inclusive of loyalty bonus, if any.
Notes:
1. The projected benefits are already net of charges, as specified below. These remaining balance of your units which are no longer sufficient to pay off the
charges may vary. outstanding charges will just be refunded to you.
a. Annual Insurance Charge, inclusive of premium tax and DST, which starts at 5. Full Withdrawal Value is net of Partial Withdrawal (s), as indicated in the
PhP 1.52 per 1,000 of the Sum Assured. All Top-ups shall also be subject to Transaction Summary Page, where applicable. If Full Withdrawal Value is
Insurance Charge. While the Insurance Charge is quoted at annual rate , withdrawn, the Policy automatically terminates.
deductions from the Fund shall be made monthly. Rider Charges, if any, are 6.a. If Full Withdrawal Value is positive from year 1 : The Fund has no policy debt.
also deducted each month. Monthly deductions may change within one The rest of Note 6 does not apply.
Policy Year as monthly Insurance Charges and Rider Charges are based on 6.b. If the Full Withdrawal Value is zero (0) in the early years : When the Full
the attained age of the Proposed Life Insured. Withdrawal Value is zero (0), the Fund Value may be insufficient to cover the
b. Policy Fee, deducted monthly from the total fund, amounting to PhP 33.33. charges. To provide you with insurance coverage (s), we shall create a policy debt
The Policy Fee is guaranteed not to exceed PhP 100.00 per month. corresponding to the monthly charges while there is no Fund Value, provided that
The annual Insurance Charge, Rider Charge (if any) and Policy Fee are premiums are paid on time and there are no Fund Withdrawals. This policy debt ,
to be deducted proportionately based on the particular fund’s share in accumulated in your account without interest, is extinguished if, and as, the Fund
the Policy’s total Fund Value. It may happen that the LOW and Value grows. The Policy will not be terminated on account of an outstanding policy
CURRENT, or CURRENT and HIGH investment returns are the same for debt within the first four (4) years, provided that premiums are paid on time and
a particular fund, but their year-on-year Full Withdrawal Values differ, there are no Withdrawals from your account.
because these charges are allocated to each fund based on the weight 7. The above illustration assumes that all Premiums are paid in full when due and as
of the Fund to the Policy’s total Fund Value. planned with no premium holiday, and assuming that the current scale of charges
c. Annual Management Charge (AMC) of 2.25% of the Fund Value for this
remain unchanged.
particular Fund. The rate is guaranteed not to exceed 2.50%.
8. In this illustration, Top-ups are made at the beginning of the Policy Year, and
d. For Fund Withdrawals on Top-ups, a Surrender Charge will be applied based
Partial Withdrawals are made at the end of the Policy Year .
on the amount withdrawn, at the following rates: 5% on the first Policy Year,
9. Partial Withdrawals are funded by selling the number of units in your Fund that
4% on the second Policy Year, 3% on the third Policy Year, 2% on the fourth
will cover the amount of your Partial Withdrawal. Partial Withdrawals will first be
Policy Year, and 1% on the fifth Policy Year. The Policy Year will be counted
drawn from the units in accordance with the order of Regular Premiums and /or
from the date the Top-up is made.
Top-ups paid, on a first-in-first-out basis. No Surrender Charge will be applied on
2. All Top-ups shall be subject to an initial charge of 3% of the Top-up amount.
the portion of Partial Withdrawals drawn from units created from the Regular
3. The Loyalty Bonus is automatically added to the Fund starting on the 11th up to
Premiums. Surrender charge will only be applied to the portion of Partial
the 20th Policy Year subject to certain conditions .
Withdrawals drawn from units created from Top -ups where the percentage applied
4. The Fund Value may run out due to Partial Withdrawals and deduction of charges .
will be based on item 1.d. The Surrender Charge shall be based on the Policy Year
If the Fund Value is no longer sufficient to pay for the Policy Fee, Insurance
counted from the date the Top-up is made. Because the performance of the Fund
Charge, Rider Charge (if any) or other applicable charges (including any policy
is not guaranteed, the sufficiency of the Fund Value to support your Partial
debt), the Policy automatically terminates on the day any such charges are due ,
Withdrawal is also not guaranteed.
subject to Note 6.b. below. In such an event, the
10. Values illustrated in this page are Full Withdrawal Values net of Withdrawals plus
Top-ups indicated in this page. If Full Withdrawal Value is withdrawn, your Policy
automatically terminates, and all future Withdrawals no longer apply.

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
 PRUlink assurance account plus Page 4 of 6
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ILLUSTRATION OF DEATH BENEFITS

The values below are based on the projected performance of the fund
where your policy is linked. Because fund performance is not
guaranteed, the values are also not guaranteed. In addition, the
assumed investment returns used in projecting the LOW, CURRENT, and
HIGH values represent a range of possible returns that may be achieved
by the fund. The HIGH and LOW assumptions are only for illustration
purposes and do not represent the upper and lower limit of the actual
investment return that may occur.
The illustrated "CURRENT" investment return for PRUlink bond fund, PRUlink
managed fund, PRUlink growth fund, PRUlink equity fund, and PRUlink proactive
fund are based on the actual average investment return experienced by the
Fund in the last 36 months, as indicated in the Historical Fund Performance
page, except that if the average exceeds the HIGH rate, the illustrated
investment return is capped at HIGH rate.

The HIGH and LOW investment returns, meet the requirements prescribed
by the Insurance Commission.

DEATH BENEFIT
Policy Attained
Year Age LOW CURRENT HIGH
(4.00%)** (2.55%)** (10.00%)**
1 29 2,489,034.23 2,489,034.23 2,489,034.23
2 30 2,499,604.02 2,499,604.02 2,499,604.02
3 31 2,510,458.77 2,510,313.27 2,511,062.36
4 32 2,544,050.67 2,543,288.67 2,547,256.88
5 33 2,578,754.15 2,576,877.18 2,586,825.99
6 34 2,614,569.98 2,611,051.35 2,630,060.93
7 35 2,651,498.93 2,645,783.08 2,677,282.02
8 36 2,689,602.04 2,681,102.90 2,728,905.29
9 37 2,728,827.88 2,716,928.80 2,785,266.85
10 38 2,769,177.89 2,753,230.89 2,846,794.52
11 39 2,815,108.89 2,794,371.82 2,918,671.32
12 40 2,862,318.84 2,836,012.82 2,997,145.73
13 41 2,910,662.57 2,877,973.11 3,082,669.78
14 42 2,960,089.13 2,920,165.91 3,175,846.51
15 43 3,010,572.07 2,962,528.38 3,277,367.27
16 44 3,062,064.13 3,004,976.64 3,387,971.66
17 45 3,114,492.84 3,047,401.62 3,508,448.58
18 46 3,167,796.61 3,089,705.11 3,639,680.34
19 47 3,221,996.88 3,131,870.67 3,782,727.93
20 48 3,276,922.51 3,173,690.67 3,938,553.76
32 60 3,857,087.25 3,508,158.91 7,226,187.43
37 65 4,018,681.27 3,516,018.99 9,957,372.47

**Investment returns used are net of final tax, Annual Management Charge and other investment expenses.

The Death Benefit is comprised of the following:

1. Sum Assured;
2. Full Withdrawal Value; and
3. one hundred and twenty-five percent (125%) of all Top-ups less one hundred and twenty-five percent (125%) of all withdrawals
on Top-up units, but not to fall below zero (0).

Any policy debt shall be deducted from the death benefits/supplemental benefits.

When the Fund Value is insufficient to pay the Policy Fee, Insurance Charge, Rider Charge (if any) and other applicable charges
including any policy debt), the Policy automatically terminates and all benefits end. In such an event, the remaining balance of your
units which are no longer sufficient to pay off outstanding charges will just be refunded to you.

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
 Page 5 of 6
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VARIABLE LIFE INSURANCE PLAN

HISTORICAL UNIT FUND PERFORMANCE

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

Peso Unit Fund Performance as of December 31, 2018

Bond Managed Growth Equity ProActive Money Market

Fund** Fund** Fund Fund* Fund** Fund

Fund Launch Date Sept. 24, 2002 Sept. 24, 2002 July 22, 2005 Oct. 1, 2007 Feb. 17, 2009 Feb. 17, 2009

Year 1 10.71 % 12.40 % 23.24 % 28.27 % 31.11 % 2.08 %

Year 2 4.02 % 9.71 % 61.44 % 80.90 % 19.32 % 1.76 %

Year 3 10.56 % 11.94 % -33.72 % -40.23 % 16.32 % 0.55 %

Year 4 18.49 % 21.36 % 12.49 % 11.25 % 12.62 % -0.58 %

Year 5 8.18 % 13.03 % 28.50 % 36.03 % -2.71 % -0.90 %

Year 6 1.59 % -4.36 % 27.47 % 32.36 % 11.76 % -0.26 %

Year 7 8.03 % 9.86 % 13.95 % 19.21 % -8.98 % 0.18 %

Year 8 8.54 % 16.78 % 21.71 % 26.11 % 3.39 % 0.33 %

Year 9 5.89 % 3.87 % 3.56 % 5.86 % 7.09 % 0.94 %

Year 10 10.86 % 12.65 % 9.38 % 10.67 % N/A N/A

Year 11 11.24 % 11.10 % 4.05 % 4.65 % N/A N/A

Year 12 -1.57 % 0.07 % -1.54 % -0.37 % N/A N/A

Year 13 5.73 % 2.96 % -8.71 % -9.56 % N/A N/A

Year 14 4.46 % 5.44 % N/A N/A N/A N/A

Year 15 -5.28 % -2.30 % N/A N/A N/A N/A

Year 16 -9.09 % -9.95 % N/A N/A N/A N/A

Compound Annual Investment 5.56 % 6.85 % 10.28 % 12.48 % 9.40 % 0.45 %

Return based on completed
years
Average Annual Investment -2.22 % -1.35 % 1.55 % 2.55 % -0.05 % 0.91 %
Return for last 36 months
preceding December 31, 2018

*The Equity Fund has served as an underlying fund of the Managed and Growth Fund prior to its launch date.
**The Bond, Managed and ProActive Funds all have an interest rate floor at zero percent (0%).

The assets in our unit funds are valued using the marked-to-market valuation method on a daily basis.

The unit prices of Pru Life UK’s unit funds are published every Friday on major newspapers, or you may log on to our website
www.prulifeuk.com.ph for the latest unit prices.

Certified true and correct:

Lee C. Longa
EVP and Chief Financial Officer

Date of Certification: February 01, 2019

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
 Page 6 of 6
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VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY

Applicant's name : JOHN DEM Y. RATILLA

Application number :

Agent's name : MERLITA O SABIO

Agent's code : 70035132

Agent's unit :

I acknowledge that:

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

I understand that since the fund performance may vary, the values of my units are not guaranteed and will
depend on the actual performance at that given period and that the value of my Policy could be less than the
capital invested. The unit values of my variable Life Insurance Policy are periodically published.

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

I confirm that:
a. I have been furnished with copies of the sales illustration/quotation proposal, product summary
and any other relevant sales materials ("Materials");
b. the Materials have been properly, completely and satisfactorily explained to me; and
c. I have fully understood the Materials.

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

Applicant's signature over printed name Date

Presented by : MERLITA O SABIO Agent's Code : 70035132

Presented to : JOHN DEM Y. RATILLA Agent's Signature :
This Sales Illustration was prepared on 12/03/2019.
PRUlink assurance account plus
Product description: PRUlink assurance account plus is a whole-life
variable life insurance product which offers the most comprehensive
protection benefits.
Product Highlight Sheet
(This document provides you with key information about PRUlink
assurance account plus but does not form part of the Policy Contract.
You should not invest in this product based on this document alone.
Please consult your Insurance Agent/Broker for further information
and/or customized proposal.)

Entry age 0-70 years old • Partial withdrawal: It is a fractional amount that you may take out
Minimum premium PhP 25,000 or USD 580 from the fund value to meet your urgent cash requirements,
Payment term Up to age 100 (whole life) subject to surrender charges of 5%-4%-3%-2%-1% for the first
Benefit term Up to age 100 five years, respectively, counted from the time the top-up was
Premium allocation 0%-50%-50% of the premium for
made, based on first-in, first-out rule. Surrender charges apply
the first 3 years respectively, and
100% onwards only to withdrawal of units created by top-ups.
Insurance charge Varies depending on the attained • Fund switch: It is a fraction or the whole fund value of a fund that
age of the Life Insured and is you may transfer to another fund due to your change of life stage
deducted monthly from the fund or risk profile, subject to a fund switch charge of 0.5% of the
value. switched amount in excess of one (1) free switch per year.
Annual management Current fund management fee
charge which ranges from 0.5% to 2.25% When is the death benefit not payable? The policy benefit is not payable
depending on the type of fund
if death is caused by suicide within the first two (2) years of the policy,
Available funds Wide array of funds which invest
unless the suicide was committed in the state of insanity. Death claims
in bonds, equities, or both
Fund manager Eastspring Investments (Singapore) due to pre-existing conditions, which are not declared, are also not
Limited compensable within the first two (2) years. In general, death claims
are not payable when there is fraud, misrepresentation, and/or
PRODUCT’S CORE BENEFITS concealment in the application of the policy.

• Death Benefit equivalent to the sum assured + fund value + 125%
of top-ups – 125% of withdrawals – policy debt (if any)
• Accelerated Total and Permanent Disability (TPD) advances the
sum assured upon total and permanent disability
• Accidental Death and Disablement (ADD) provides for the
payment of the benefit in the case of the Life Insured’s accidental
death, or a percentage of the benefit in the case of accidental
disablement up to 100%
• Loyalty Bonus provides additional allocation equivalent to 10%
(for peso plan) and 5% (for dollar plan) of the regular premium
starting on the 11th year through the 20th year of the policy
subject to conditions
What is fund value? This refers to the worth of the policy in peso or
dollar based on the number of units multiplied by the unit price per
chosen fund and its aggregate.
Can optional benefits be attached to the plan? Yes. Riders or optional
benefits can be attached to the plan which will cover the Life Insured
against disability, accident, critical illness, and hospitalization.
What is maturity benefit? This is given when you outlive your policy (at
age 100). This will be equal to the sum assured + fund value + 125%
of top-ups – 125% of withdrawals – policy debt (if any).
What are the common transactions available to you as a policyowner?
• Top-up: It is a one-off payment which may be done anytime with
the goal of increasing the fund value. It also provides additional
insurance coverage equivalent to 125% of the top-up amount.
Top-ups are subject to 3% initial charge.
What if you change your mind after the policy was issued? Also called as
the cooling-off period, you have fifteen (15) days upon receipt of the
policy contract to return it to us. The amount refundable is equivalent
to the total premiums paid.
When will the policy terminate? In general, the policy will terminate
upon death or full withdrawal of the fund value, or when there are
not enough units in the policy to pay for the charges.
IMPORTANT PRODUCT DISCLOSURES
1. The fund value is dependent on the performance of the fund/s; therefore,
it is not guaranteed.
2. The performance of the investment funds associated with this insurance
product is valuated every day. You may visit our website
www.prulifeuk.com.ph to track the unit price on a daily basis. The unit
price is also published every Friday in major dailies.
3. If you fail to pay the premium, you are given 31-days from your due date
to make such payment (also called as grace period). If no payment was
received after the grace period, your policy may still remain in force if
the amount of fund value in your policy is sufficient to pay for the charges.
Otherwise, the policy will lapse rendering all your benefits to cease.
4. In remote cases during extreme market volatility, the policyowner may
be asked to put top-up payments to ensure that the policy will remain
in force.
5. Partial withdrawals reduce the fund value of the policy. Substantial
withdrawals may lead to the depletion of the fund value which may
eventually lead to the termination of the policy.
6. As a variable life insurance product, the policyholder must understand
and realize that the product is subject to certain risks1, which could affect
the account or fund value of the whole VUL policy.

1 See reverse for better understanding of the nature of these risks.

Note: This material does not form part of the sales illustration and policy contract. It serves as a leave-behind to aid the client in making a buying decision.
 DEFINITION OF RISKS

Investment Risk This refers to the probability or likelihood of occurrence of losses

relative to the expected return on any particular investment

Credit Risk This risk refers to the probability that a counterparty to an investment
may not be able to fulfill its obligations accordingly, resulting to an
adverse effect on the value of a money market or debt security such
as a bond.

Currency Risk (or Foreign This risk refers to the probability of the occurrence of losses due to
Exchange Risk) fluctuations in foreign exchange rates. Currency exchange rates
depend on a variety of global and local factors such as interest rates,
economic performance, and political developments. The value of an
investment held in foreign currency, such as the US Dollar, may
decrease to incur loss when the local currency or Philippine Peso
appreciates.

Interest Rate Risk This risk refers to the possibility that the value of an investment in a
debt instrument may rise or fall due to changes in interest rates.
Interest rate changes may affect the prices of debt instruments such
as bonds inversely, i.e. as interest rates rise, bond prices fall and when
interest rates decline, bond prices rise.

Liquidity Risk This risk refers to the possibility of the occurrence of losses due to
the inability to sell or convert assets into cash immediately or in
instances where conversion to cash is possible but at a loss. This risk
occurs when certain securities may be difficult or impossible to sell at
a particular time, which may prevent the Company to satisfy
redemption services to policyholders.

Mark-to-Market Risk This risk refers to the probability that the market value of an
investment will rise or fall based on overall market conditions. The
value of the market can vary with changes in the general economic and
financial conditions as well as political, social and environmental
factors.

Note: This material does not form part of the sales illustration and policy contract. It serves as a leave-behind to aid the client in making a buying decision.