12/07/2026
‼️PRUMillion Protect
2-year pay investment-linked insurance plan by Pru Life UK designed to provide high life protection alongside built-in riders and investment flexibility. It is highly favored by professionals and entrepreneurs for its short payment term and accessible approval process.
Key features of the plan include:
High Life Coverage: Provides life insurance coverage equivalent to 5 times your base annual premium or 105% of the fund value, whichever is higher.
Short Pay: Premium payments are completed in just two years, allowing you to focus on growing your wealth.Built-in
Benefits: Includes coverage for Accelerated Total and Permanent Disability (TPD) and Accidental Death and Disablement (AD&D).
Simplified Insurability: Eligible customers can apply without the hassle of a medical exam.
Loyalty Bonus: Rewards long-term investors with a built-in loyalty bonus starting on the 10th policy year and every 5 years thereafter.
Flexibility: Open to individuals aged 7 days to 70 years old, providing coverage up to age 85.
It also offers access to global diversification through options like the PRULink Strategic Income Fund.
Payment term
Two years
Payment frequency
PHP 250,000 to PHP 499,999: Annual Only
PHP 500,000 and up: Annual, Semi-annual, Quarterly and Monthly
Duration of coverage
Up to age 85
Age requirement
Insured: 7 days to 70 years old
Policyowner: At least 18 years old
Minimum Annual Premium
PHP 250,000
Core Benefits
Death Benefit - In case of the life insured, your beneficiaries will receive either the sum assured which is at least 500% of the base annual regular premium plus 125% of all top-ups less 125% of withdrawals on top-up units, or 105% of fund value, whichever is higher. If the Life Insured dies at age 0 to 4 years, a child’s lien schedule in the contract will be applicable to the Sum Assured portion of the Death Benefit.
Accelerated Total and Permanent Disability (ATPD) - A cash benefit taken from the base plan sum assured and paid in advance in case the life insured becomes totally and permanently disabled due to sickness or injury.
Accidental Death and Disablement (ADD) - An additional cash benefit in case the life insured meets an accident that resulted to death or disability.
Maturity Benefit – You will receive 105% of the fund value if the insured outlives the policy at age 85.
Benefits you can count on
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Life protection of 5× your base annual premium
Leave a sizeable death benefit² for your loved ones when you pass away, either 5x your annual premium, or 105% of the fund value whichever is higher.
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Extra cash benefits in case of accidents or disability
Receive an advance payout of your plan’s sum assured in the event of total and permanent disability, plus an additional benefit for accidents that result in death or permanent disability.
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Access to diverse fund options and grow your wealth while staying protected
Invest your money sooner with the freedom to choose global and local funds, giving your fund value the potential to grow while maintaining your coverage.
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Built-in loyalty bonus over time
Your policy is designed to last – the longer you keep it, the more value is added to help sustain your policy. Receive fund credit every 5 years starting from policy year 10, equal to 1% or 2% of the average fund value, depending on your annual premium.
1 Simplified approval is subject to declarations on the medical questions.
2 Death Benefit is 500% of the base annual premium plus 125% of top-ups, less 125% of withdrawals on top-ups or 105% of fund value, whichever is higher. Product terms and conditions apply.
