PRULink Investor Account Plus
PRULink Investor Account Plus (PIA Plus) is a single-pay life insurance product that has both protection and investment components. With its potential for high returns, PIA Plus will help you achieve your medium- to long-term financial goals while enjoying maximum insurance coverage.
Start growing your funds with one-time payment
Pay once and get your plan immediately with no medical requirements necessary if you have no additional benefits to avail.
Choose from a superior selection of funds
Get greater potential for returns on your investment component with a roster of expertly-managed funds.
Switch funds for free
Change the fund where your premium is invested in with up to four free fund switches every year.
Receive regular quarterly cash payouts
Get potential regular payouts of up to 6% per year or 1.5% per quarter when you invest in the new PRULink Cash Flow Fund Plus.
PRODUCT FEATURES
PRODUCT FEATURES
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Payment term
Enjoy the ease of availing this product through one-time payment and the option to top up on the investment component anytime.
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Duration of coverage
The duration of the coverage is up to 100 years old insured(or up to age 100 of insured).
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Age requirement
The plan is eligible for applicants from 0 to 70 years old for the insured, 18 to 99 years old for the policyowner.
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Minimum annual payment
Payment starts at PhP 100,000.00
Core benefits
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Death benefit
125% of single premium plus 125% of top-ups less 125% of all partial withdrawals or the fund value, whichever is higher, if death occurs after two (2) years from the effective date of the policy
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Maturity benefit
Fund value
Protection against accident, death, and disability:
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Non-accelerated Total and Permanent Disability – an additional cash benefit if the insured becomes totally and permanently disabled due to bodily injury or disease.
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Personal Accident – a comprehensive accident rider that gives cash benefit in the event the insured suffers injuries, disability, or death due to accidents.
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Additional Term – additional cash benefit given if the insured dies within the term coverage period.