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EQS70070469-A2B1-22913694E11E-190417-OF
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Low Premium

PruLink Health Protect is a regular-pay variable life insurance Proposed Insured : ERLINE A.CADIENTE
product that provides living, disability, critical illness and death Age : 27
benefits. The living benefits are the partially and fully
Sex : Female
withdrawable values which are taken from the policy's share in
the separate fund(s). The Total and Permanent Disability benefit Regular Annual Premium : PHP 24,000
accelerates a percentage of the sum assured. The Crisis Cover
Sum Assured : PHP 1,000,000
benefit provides a cash benefit equivalent to the Benefit sum
assured upon diagnosis of any of the critical illnesses. The Total and Permanent
Disability Benefit : PHP 600,000.00
death benefit is the total of the sum assured and the policy's full
withdrawal value. Optional Benefits can be attached to this Accidental Death
product. and Disablement Benefit : PHP 1,000,000

Crisis Cover Benefit : PHP 600,000

This product is a variable contract. The benefits, namely the

partial and full withdrawal values and the actual death benefit at
time of death, all depends on the investment experience of
separate account(s) linked to the policy. If the fund value
becomes insufficient to pay for applicable charges, the policy
automatically terminates, and all benefits end. The applicable
charges are explained in the Illustration of Benefits for each
fund.

PruLink Bond Fund

THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT The PruLink Bond Fund seeks to achieve an optimal level of
ARE BORNE SOLELY BY THE POLICYOWNER. income in the medium term together with long term capital
growth through investments in fixed income securities and
money market instruments.
If, after buying the policy, you decide it is not suitable to your
needs, simply return the Policy Booklet with your Policy Data
Page to us within 15 days from the date you receive them. We
will refund the premium you paid in full. PruLink Managed Fund
The PruLink Managed Fund seeks to optimize medium to
long term capital and income growth through investment in
I have read and understood the disclosures in this Sales
fixed income securities, money market instruments and
Illustration. My agent has explained to my satisfaction the
shares listed on the Philippine Stock Exchange.
principal features of the policy and the manner in which the
variable benefits will reflect the investment experience of the PruLink Growth Fund
separate account(s). I fully understand that when buying this
The PruLink Growth Fund seeks to optimize medium to long
policy, I am assuming all investment risks associated with it.
term capital and income growth, with an emphasis on strong
capital growth, through a greater focus of investment in
I also understand that in the event of claim, my policy,
shares of stocks listed in the Philippines. The fund also
including any Accidental Death and Disablement benefit, will
invests in fixed income securities, and money market
terminate if the aggregate amount of claim on Total and
instruments .
Permanent Disability benefit and/or Crisis Cover benefit is
equal to the sum assured on the basic policy exclusive of any 100 % PruLink Equity Fund
Optional Benefits.
The PruLink Equity Fund seeks to optimize medium to long
In addition, I understand that the insurance charge, policy fee, term capital growth through investments in shares of stocks
annual management charge, and any rider charge and extra listed in the Philippines.
charge, are not guaranteed.
PruLink ProActive Fund
The PruLink ProActive Fund seeks to optimize medium to
long term capital and income growth with emphasis on
ERLINE A.CADIENTE
dynamic asset allocation by fund managers through
Applicant investment in fixed income securities, money market
instruments and shares of stocks listed in the Philippines

This Sales Illustration shall form part of the insurance contract once
ERLINE A.CADIENTE the policy is issued. For more information on what constitutes the
Proposed Insured entire insurance contract, please ask your servicing agent or refer
to your policy booklet.

Presented by : SHERYL M DE LEON Agent's Code : 70070469

Presented to : ERLINE A.CADIENTE Agent's Signature :
This Sales Illustration was prepared on 17/04/2019.
PruLink Health Protect - Low Premium Page 2 of 5

EQS70070469-A2B1-22913694E11E-190417-OF
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ILLUSTRATION OF BENEFITS - PRULINK EQUITY FUND
The values below are based on the projected performance of the The HIGH and LOW investment returns, at 10.00% and 4.00%, are
fund where your policy is linked. Because fund performance is not those prescribed by the Insurance Commission. The illustrated
guaranteed, the values are also not guaranteed. In addition, the "CURRENT" investment return is based on the actual average
assumed investment returns used in projecting the LOW, investment return experienced by the Fund in the last 36 months,
CURRENT, and HIGH values represent a range of possible returns as indicated in the Historical Unit Fund Performance page, except
that may be achieved by the fund. The HIGH and LOW assumptions that if the average exceeds 10.00%, the illustrated investment
are only for illustration purposes and do not represent the upper and return is capped at 10.00%.
lower limit of the actual investment return that may occur.
PROJECTED BENEFITS
Policy Attained TopUp Withdrawal Fund
FULL WITHDRAWAL VALUE
Year Age Amount Amount Allocation
LOW (4.00%)* CURRENT (2.55%)* HIGH (10.00%)*
1 28 - - - - - -
2 29 - - 12,000.00 2,652.48 2,615.58 2,805.56
3 30 - - 12,000.00 10,262.10 10,081.51 11,022.74
4 31 - - 24,000.00 30,615.97 30,004.87 33,219.57
5 32 - - 24,000.00 51,730.68 50,384.37 57,580.08
6 33 - - 24,000.00 73,616.94 71,212.21 84,299.76
7 34 - - 24,000.00 96,299.02 92,493.36 113,607.54
8 35 - - 24,000.00 119,789.01 114,219.93 145,741.34
9 36 - - 24,000.00 144,073.24 136,357.95 180,935.08
10 37 - - 24,000.00 169,038.95 158,775.45 219,341.88
11 38 - - 26,400.00 197,169.89 183,901.87 263,881.25
12 39 - - 26,400.00 226,039.72 209,288.98 312,466.18
13 40 - - 26,400.00 255,651.70 234,917.50 365,473.36
14 41 - - 26,400.00 286,007.03 260,765.54 423,314.83
15 42 - - 26,400.00 317,102.57 286,806.30 486,439.20
16 43 - - 26,400.00 348,921.94 312,999.38 555,326.02
17 44 - - 26,400.00 381,452.47 339,307.64 630,507.44
18 45 - - 26,400.00 414,663.48 365,675.73 712,550.28
19 46 - - 26,400.00 448,527.41 392,051.21 802,082.67
20 47 - - 26,400.00 483,050.68 418,414.85 899,832.57
33 60 - - 26,400.00 947,444.45 705,304.00 3,358,847.83
38 65 - - 26,400.00 1,169,110.77 815,527.73 5,430,269.78
*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
** Fund allocation illustrated are inclusive of loyalty bonus, if any.
Notes:
1. The projected benefits are already net of all charges. These charges insurance charge, rider charge and other applicable charges (including
are: any policy debt), the policy automatically terminates, subject to Note 5b
a) Annual insurance charge, inclusive of premium tax and DST , below.
which starts at PHP 1.93 per 1,000 of the sum assured. All 5a. If Full Withdrawal Value is positive from year 1: The fund has no policy
top-ups shall also be subject to insurance charge. While the debt. The rest of Note 5 does not apply.
insurance charge is quoted at an annual rate, deductions from 5b. If the Full Withdrawal Value is zero (0) in the early years:
the fund shall be made monthly. Rider charges, if any, are also When the Full Withdrawal Value is zero (0), the fund value may be
deducted each month. Monthly deductions may change within insufficient to cover the charges. To provide you with insurance
one policy year as monthly insurance charges and rider charges coverage(s), we shall create a policy debt corresponding to the
are based on the attained age of the Proposed Insured. monthly charges while there is no fund value, provided that
b) Policy Fee, deducted monthly from the total fund, amounting to premiums are paid on time and there are no fund withdrawals. This
PHP 33.33. The policy fee is guaranteed not to exceed PHP 50.00 policy debt, accumulated in your account without interest, is
per month. extinguished if, and as, the fund value grows. The policy will not be
The annual insurance charge, rider charge (if any) and terminated on account of an outstanding policy debt within the first
policy fee are to be deducted proportionately based on three (3) years, provided that premiums are paid on time and there
the particular fund's share in the policy's total fund value. are no withdrawals from your account.
It may happen that the LOW and CURRENT, or CURRENT 6. The above illustration assumes that all premiums are paid in full when
and HIGH investment returns are the same for a due and as planned with no premium holiday, and assuming that the
particular fund, but their year-on-year Full Withdrawal current scale of charges remain unchanged.
Values differ, because these charges are allocated to 7. In this illustration, top-ups are made at the beginning of the policy year ,
each fund based on the weight of the fund to the policy's and partial withdrawals are made at the end of the policy year.
total fund value. 8. Partial withdrawals are funded by selling units from the fund (s) where
c) Annual Management Charge (AMC) of 2.25% of the fund value your policy is linked. Because fund performance is not guaranteed, the
for this particular fund. The rate is guaranteed not to exceed sufficiency of the fund value to support the indicated partial
2.50%. withdrawal(s) is also not guaranteed.
2. All top-ups shall be subject to an initial charge of 6% of the top-up 9. Values illustrated in this page are Full Withdrawals Values net of
amount. withdrawals plus top-ups indicated in this page. And if Full Withdrawal
3. The Loyalty Bonus is automatically added to the fund beginning on the Value is withdrawn, your policy automatically terminates, and all future
11th policy year onwards subject to certain conditions. withdrawals no longer apply.
4. The fund value may run out due to partial withdrawals and deduction
of charges. If the fund value is insufficient to pay for the policy fee ,

Presented by : SHERYL M DE LEON Agent's Code : 70070469

Presented to : ERLINE A.CADIENTE Agent's Signature :
This Sales Illustration was prepared on 17/04/2019.
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ILLUSTRATION OF DEATH BENEFITS

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

DEATH BENEFIT
Policy Attained
Year Age LOW CURRENT HIGH
(4.00%)** (2.55%)** (10.00%)**

1 28 995,297.38 995,297.38 995,297.38

2 29 1,002,652.48 1,002,615.58 1,002,805.56
3 30 1,010,262.10 1,010,081.51 1,011,022.74
4 31 1,030,615.97 1,030,004.87 1,033,219.57
5 32 1,051,730.68 1,050,384.37 1,057,580.08
6 33 1,073,616.94 1,071,212.21 1,084,299.76
7 34 1,096,299.02 1,092,493.36 1,113,607.54
8 35 1,119,789.01 1,114,219.93 1,145,741.34
9 36 1,144,073.24 1,136,357.95 1,180,935.08
10 37 1,169,038.95 1,158,775.45 1,219,341.88
11 38 1,197,169.89 1,183,901.87 1,263,881.25
12 39 1,226,039.72 1,209,288.98 1,312,466.18
13 40 1,255,651.70 1,234,917.50 1,365,473.36
14 41 1,286,007.03 1,260,765.54 1,423,314.83
15 42 1,317,102.57 1,286,806.30 1,486,439.20
16 43 1,348,921.94 1,312,999.38 1,555,326.02
17 44 1,381,452.47 1,339,307.64 1,630,507.44
18 45 1,414,663.48 1,365,675.73 1,712,550.28
19 46 1,448,527.41 1,392,051.21 1,802,082.67
20 47 1,483,050.68 1,418,414.85 1,899,832.57
33 60 1,947,444.45 1,705,304.00 4,358,847.83
38 65 2,169,110.77 1,815,527.73 6,430,269.78

**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.
3. 125% of all top-ups less 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 and other applicable charges (including any
policy debt), the policy automatically terminates and all benefits end.

Presented by : SHERYL M DE LEON Agent's Code : 70070469

Presented to : ERLINE A.CADIENTE Agent's Signature :
This Sales Illustration was prepared on 17/04/2019.
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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. 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 on a daily basis 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 : SHERYL M DE LEON Agent's Code : 70070469

Presented to : ERLINE A.CADIENTE Agent's Signature :
This Sales Illustration was prepared on 17/04/2019.
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VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY

Applicant's Name : ERLINE A.CADIENTE

Application Number :

Agent's Name : SHERYL M DE LEON

Agent's Code : 70070469

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 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.

Applicant's Signature over Printed Name Date

Presented by : SHERYL M DE LEON Agent's Code : 70070469

Presented to : ERLINE A.CADIENTE Agent's Signature :
This Sales Illustration was prepared on 17/04/2019.