Rated

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PRULink Exact Protector 5 is a variable life insurance product, payable for Proposed Life Insured
: JANDY A SUHIAN
five (5) years, that provides living, disability, and death benefits. The living
benefits are the partially and fully withdrawable values, subject to Age : 49
decreasing Surrender Charges for Top-ups (if applicable), which are Sex : Female
taken from the Policy's share in the separate fund(s). The Total and
Permanent Disability Benefit accelerates a percentage of the Sum Total Annual Premium : PhP 64,525.00
Assured while the Accidental Death and Disablement Benefit is on top of Basic Cover : PhP 360,000.00
the Sum Assured. The Death Benefit is the total of the Sum Assured and
the Policy's Full Withdrawal Value. Optional benefits can be attached to Accelerated Total &
: PhP 60,000.00
this product. Permanent Disability Benefit
Accidental Death &
This product is a variable contract. The benefits, namely the Partial and Disablement Benefit : PhP 180,000.00
Full Withdrawal Values and the actual Death Benefit at time of death, all
depend on the investment experience of separate accounts linked to the PRULink Bond Fund
Policy. If the Fund Value becomes insufficient to pay for applicable The PRULink Bond Fund seeks to achieve an optimal level of income
charges, the Policy automatically terminates, and all benefits end. The in the medium term together with long-term capital growth through
applicable charges are explained in the Illustration of Benefits for each investments in fixed income securities and money market instruments.
fund.

THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT ARE

BORNE SOLELY BY THE POLICYOWNER.
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 fifteen (15) days from the date you received
them. We will refund the Regular Premium you paid in full.
I have read and understood the disclosures and the contents of this
Sales Illustration. My agent has explained to my satisfaction the
principal features 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
100 %
conditions of this Policy and that when buying this Policy, I am assuming
all investment risks associated with it.
I have read and understood my Investment Risk Profile in the Suitability
Assessment Form and have made an assessment of my risk appetite
with the help of my agent. I have taken my Investment Risk Profile into
consideration in my choice of fund allocation.
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
Crisis Cover Benefit and/or Accelerated Life Care Benefit is equal to the
Sum Assured on the basic Policy exclusive of any optional benefits.
PRULink Managed Fund
The PRULink Managed Fund seeks to optimize medium- to long -term
capital and income growth through investment in fixed income
securities, money market instruments, and shares listed on the
Philippine Stock Exchange.
PRULink Growth Fund
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.
PRULink Equity Fund
The PRULink Equity Fund seeks to optimize medium- to long -term
capital growth through investments in shares of stocks listed in the
Philippines.
PRULink Proactive Fund
The PRULink Proactive Fund seeks to optimize medium- to long -term
capital and income growth with emphasis on dynamic asset allocation
by fund managers through investment in fixed income securities ,
money market instruments, and shares of stocks listed in the
Philippines.

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
Insurance Charge, Policy Fee, Annual Management Charge, and any
Rider Charge and Extra Charge in the future, but will not do so without
prior approval of the Insurance Commission.
JANDY A SUHIAN
Applicant-owner
Eastspring Investments (Singapore) Limited ("Eastspring Investments") is an ultimately wholly
owned subsidiary of Prudential plc of the United Kingdom ("Ultimate Parent Company").
Eastspring Investments and its Ultimate Parent Company are not affiliated in any manner with
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 its unit-linked or investment-linked product portfolio since Pru Life UK
pioneered the PRUlink product line in 2002.

JANDY A SUHIAN This Sales Illustration shall form part of the Insurance Contract once
Proposed Life Insured the Policy has been issued. For more information on what constitutes
the entire Insurance Contract, please ask your servicing agent or
refer to your Policy Booklet.

Presented by : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
PRULink Exact Protector 5 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 Exact
Protector 5 policy you are going to purchase.

You have chosen the benefits below:

Benefit Benefit Protection Benefit

Benefit Type Amount (in PhP)
(in PhP)
Basic Cover (Sum Assured) Lump Sum 360,000.00 360,000.00
Accelerated Total and Permanent Disability Lump Sum 60,000.00 Included in Basic Cover
Accidental Death and Disablement Lump Sum 180,000.00 180,000.00
*Your Basic Cover (Sum Assured) shall not be less than six (6) times the required annual premium for the basic cover, which is PhP 40,000.00.

Presented by : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
PRULink Exact Protector 5 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 experienced by the Fund in the last thirty-six (36) months, as indicated in the
of 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 50 - - 6,452.50 2,666.23 2,629.14 2,820.11
2 51 - - 29,036.25 28,709.85 28,272.43 30,536.02
3 52 - - 64,525.00 92,452.95 90,718.25 99,797.36
4 53 - - 64,525.00 158,460.96 154,477.68 175,684.80
5 54 - - 64,525.00 226,786.32 219,546.64 258,820.55
6 55 - - - 230,589.28 219,957.27 279,134.12
7 56 - - - 234,156.73 219,996.29 301,068.83
8 57 - - - 237,453.01 219,628.31 324,758.96
9 58 - - - 240,439.69 218,815.77 350,350.85
10 59 - - - 243,075.49 217,518.83 378,004.08
11 60 - - - 245,295.19 215,674.62 407,870.55
12 61 - - - 247,026.97 213,214.81 440,113.21
13 62 - - - 248,219.82 210,092.60 474,936.28
14 63 - - - 248,772.08 206,212.11 512,513.00
15 64 - - - 248,579.34 201,476.29 553,035.33
16 65 - - - 247,533.02 195,785.61 596,714.43
17 66 - - - 245,526.77 189,044.51 643,789.48
18 67 - - - 242,271.36 180,978.81 694,334.69
19 68 - - - 237,814.06 171,650.59 748,799.79
20 69 - - - 232,026.72 160,948.65 807,491.96
*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 refunded to you. Premium payment term of five (5) years is not
charges may vary. guaranteed.If the fund value is insufficient to pay the policy fees, the
a. Annual Insurance Charge, inclusive of premium tax and Documentary Policyowner may still be required to pay additional premium after five
Stamp Tax, which starts at PhP 8.19 per 1,000 of the Sum Assured. All (5) years.
Top-ups shall also be subject to Insurance Charge. While the Insurance 5.a. If Full Withdrawal Value is positive from year 1: The Fund has no policy
Charge is quoted at an annual rate, deductions from the Fund shall be debt. The rest of Note 5 does not apply.
made monthly. Rider Charges, if any, are also deducted each month . 5.b. If the Full Withdrawal Value is zero (0) in the early years: When the Full
Monthly deductions may change within one Policy Year as monthly Withdrawal Value is zero (0), the Fund Value may be insufficient to cover
Insurance Charges and Rider Charges are based on the attained age the charges. To provide you with insurance coverage(s), we shall create a
of the Proposed Life Insured. policy debt corresponding to the monthly charges while there is no Fund
b. Policy Fee, deducted monthly from the total fund, amounting to PhP Value, provided that Premiums are paid on time and there are no Fund
33.33, if within the premium paying period and PhP 16.67 after the Withdrawals. This policy debt, accumulated in your account without
premium paying period. The Policy Fee is guaranteed not to exceed interest, is extinguished if, and as, the Fund Value grows. The Policy will
PhP 50.00 per month. not be terminated on account of an outstanding policy debt within the
The annual Insurance Charge, Rider Charge (if any), and Policy Fee first three (3) years, provided that Premiums are paid on time and there
are to be deducted proportionately based on the particular fund’s are no Withdrawals from your account.
share in the Policy’s total Fund Value. It may happen that the LOW 6. The above illustration assumes that all Premiums are paid in full when
and CURRENT, or CURRENT and HIGH investment returns are the due and as planned with no premium holiday, and assuming that the
same for a particular fund, but their year-on-year Full Withdrawal current scale of charges remain unchanged.
Values differ, because these charges are allocated to each fund
7. In this illustration, Top-ups are made at the beginning of the Policy Year,
based on the weight of the Fund to the Policy’s total Fund Value.
and Partial Withdrawals are made at the end of the Policy Year.
c. Annual Management Charge (AMC) of 2.25% of the Fund Value for
8. Partial Withdrawals are funded by selling the number of units in your
this particular fund. The rate is guaranteed not to exceed 2.50%.
Fund that will cover the amount of your Partial Withdrawal. Partial
d. For Fund Withdrawals on Top-ups, a Surrender Charge will be applied
Withdrawals will first be drawn from the units in accordance with the
based on the amount withdrawn, at the following rates: 5% on the first
order of Regular Premiums and/or Top-ups paid, on a first-in-first-out
Policy Year, 4% on the second Policy Year, 3% on the third Policy
basis. No Surrender Charge will be applied on the portion of Partial
Year, 2% on the fourth Policy Year, and 1% on the fifth Policy Year.
Withdrawals drawn from units created from the Regular Premiums.
The Policy Year will be counted from the date the Top-up is made.
Surrender Charge will only be applied to the portion of Partial
2. All Top-ups shall be subject to an initial charge of 3% of the Top-up
Withdrawals drawn from units created from Top-ups where the
amount.
percentage applied will be based on item 1.d. The Surrender Charge
3. The Loyalty Bonus is available only for the 15 pay variant.
shall be based on the Policy Year counted from the date the Top-up is
4. The Fund Value may run out due to Partial Withdrawals and deduction of
made. Because the performance of the Fund is not guaranteed, the
charges and/or extreme market volatility. If the Fund Value is no longer
sufficiency of the Fund Value to support your Partial Withdrawal is also
sufficient to pay for the Policy Fee, Insurance Charge, Rider Charge (if any)
not guaranteed.
or other applicable charges (including any policy debt), the Policy
9. Values illustrated in this page are Full Withdrawal Values net of
automatically terminates on the day any such charges are due, subject to
Withdrawals plus Top-ups indicated in this page. If Full Withdrawal
Note 5.b. below. In such an event, the remaining balance of your units
Value is withdrawn, your Policy automatically terminates, and all future
which are no longer sufficient to pay off the outstanding charges will just be
Withdrawals no longer apply.

Presented by : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
PRULink Exact Protector 5 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 HIGH and LOW investment returns, meet the requirements
prescribed by the Insurance Commission.
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
thirty-six (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.

DEATH BENEFIT
Policy Attained
LOW CURRENT HIGH
Year Age
(4.00%)** (2.55%)** (10.00%)**
1 50 362,666.23 362,629.14 362,820.11
2 51 388,709.85 388,272.43 390,536.02
3 52 452,452.95 450,718.25 459,797.36
4 53 518,460.96 514,477.68 535,684.80
5 54 586,786.32 579,546.64 618,820.55
6 55 590,589.28 579,957.27 639,134.12
7 56 594,156.73 579,996.29 661,068.83
8 57 597,453.01 579,628.31 684,758.96
9 58 600,439.69 578,815.77 710,350.85
10 59 603,075.49 577,518.83 738,004.08
11 60 605,295.19 575,674.62 767,870.55
12 61 607,026.97 573,214.81 800,113.21
13 62 608,219.82 570,092.60 834,936.28
14 63 608,772.08 566,212.11 872,513.00
15 64 608,579.34 561,476.29 913,035.33
16 65 607,533.02 555,785.61 956,714.43
17 66 605,526.77 549,044.51 1,003,789.48
18 67 602,271.36 540,978.81 1,054,334.69
19 68 597,814.06 531,650.59 1,108,799.79
20 69 592,026.72 520,948.65 1,167,491.96

**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. 125% of all Top-ups less 125% of all Withdrawals on Top-up units, but not to fall below zero (0).

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

When the Fund Value is no longer sufficient to pay for the Policy Fee, Insurance Charge, Rider Charge (if any) or other applicable
charges (including any policy debt), the Policy automatically terminates on the day any such charges are due 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 : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
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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. Please note that past performance is not necessarily indicative of the future or likely performance of the funds.

Peso Unit Fund Performance as of March 31, 2019

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 % -5.23 % 1.84 %

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 % 7.84 % 0.59 %

Return based on completed
years
Average Annual Investment 0.00 % 0.21 % 1.96 % 2.55 % 0.98 % 1.11 %
Return for last 36 months
preceding March 31, 2019

*The Equity Fund has served as an underlying fund of the Managed and Growth Funds prior to its launch date.
**The Bond Fund has 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: May 10, 2019

Presented by : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
 Page 6 of 6
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VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY

Applicant's name : JANDY A SUHIAN

Application number :

Agent's name : MANUEL JR. C DE LEON

Agent's code : 70061479

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.

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 : MANUEL JR. C DE LEON Agent's Code : 70061479

Presented to : JANDY A SUHIAN Agent's Signature :
This Sales Illustration prepared on 14/09/2019 is valid until 13/11/2019.
 Product Highlight Sheet
Product description: PRULink Exact Protector is a variable (This document provides you with key information about
life insurance product which offers both savings and PRULink Exact Protector but does not form part of the Policy
protection with short-term payment options. Contract. You should not invest in this product based on this
document alone. Please consult your Insurance Agent/Broker for
Entry age 0-70 years old further information and/or customized proposal.)
Payment term and 5 year-pay PhP 40,000 or USD 900
Minimum 7 year-pay PhP 40,000 or USD 825 • Partial withdrawal: It is a fractional amount that you may
premium 10 year-pay PhP 35,000 or USD 675 take out from the fund value to meet your urgent cash
15 year-pay PhP 35,000 or USD 600 requirements, subject to surrender charges of 5%-4%-
3%- 2%-1% for the first five years, respectively, counted
Benefit term Up to age 100
from the time the top-up was made, based on first-in,
Premium allocation Varies depending on payment term
first-out rule. Surrender charges apply only to withdrawal
Insurance charge Varies depending on the attained of units created by top-ups.
age of the Life Insured and is
deducted monthly from the fund • Fund switch: It is a fraction or the whole of fund value
value (applicable even after full that you may transfer to another fund due to your
payment of the policy) change of life stage or risk profile, subject to a fund
Annual Current fund management fee which switch charge of 1% of the switched amount in excess of
management ranges from 0.5% to 2.25% one (1) free switch per year.
charge depending on the type of fund
Available funds Wide array of funds which When is the death benefit not payable? The policy benefit is
invest in bonds, equities, or not payable if death is caused by suicide within the first two
both (2) years of the policy, unless the suicide was committed in
Fund manager Eastspring Investments the state of insanity. Death claims due to pre-existing
(Singapore) Limited
conditions, which are not declared, are also not compensable
within the first two (2) years. In general, death claims are not
PRODUCT’S CORE BENEFITS payable when there is fraud, misrepresentation, and/or
concealment in the application of the policy.
• Death Benefit equivalent to the sum assured + fund
value + Additional Term Rider sum assured (up to age What if you change your mind after the policy was issued? Also
75, if attached) + 125% of top-ups– 125% of called as the cooling-off period, you have fifteen (15) days
withdrawals – policy debt (if any)
upon receipt of the policy contract to return it to us. The
• Accelerated Total and Permanent Disability (TPD)
amount refundable is equivalent to the total premiums paid.
advances the sum assured upon total and permanent
disability When will the policy terminate? In general, the policy will
• Accidental Death and Disablement (ADD) provides for the terminate upon death or full withdrawal of the fund value, or
payment of the benefit in the case of the Life Insured’s when there are not enough units in the policy to pay for the
accidental death, or a portion of the benefit in the case of charges.
accidental disablement
• Loyalty Bonus provides additional allocation equivalent to IMPORTANT PRODUCT DISCLOSURES
10% (for peso plan) and 5% (for dollar plan) of the
regular premium starting on the 11th year through the 1. The fund value is dependent on the performance of the
15th year of the policy subject to conditions. This benefit fund/s; therefore, it is not guaranteed.
is available for the 15-pay variant only. 2. The performance of the investment funds associated with
this insurance product is valuated every day. You may
What is fund value? This refers to the worth of the policy in visit our website www.prulifeuk.com.ph to track the unit
peso or dollar based on the number of units multiplied by the price on a daily basis. The unit price is also published
unit price per chosen fund and its aggregate. every Friday in major dailies.
Can optional benefits be attached to the plan? Yes. Riders or 3. If you fail to pay the premium, you are given 31-days
optional benefits can be attached to the plan which will cover from your due date to make such payment (also called as
the Life Insured against disability, accident, critical illness, and grace period). If no payment was received after the grace
hospitalization. Riders which provide additional protection are period, your policy may still remain in force if the amount
also available. of fund value in your policy is sufficient to pay for the
charges. Otherwise, the policy will lapse rendering all
What is maturity benefit? This is given when you outlive your
your benefits to cease.
policy (at age 100). This will be equal to the sum assured +
4. In remote cases during extreme market volatility, the
fund value + 125% of top-ups – 125% of withdrawals – policy
policyowner may be asked to put top-up payments to
debt (if any).
ensure that the policy will remain in force (applicable
What are the common transactions available to you as a even for fully paid policies).
policyowner? 5. Partial withdrawals reduce the fund value of the policy.
Substantial withdrawals may lead to the depletion of the
• Top-up: It is a one-off payment which may be done
fund value which may eventually lead to the termination
anytime with the goal of increasing the fund value. It also
of the policy.
provides additional insurance coverage equivalent to
6. As a variable life insurance product, the policyholder
125% of the top- up amount. Top-ups are subject to 3%
must understand and realize that the product is subject
initial charge.
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
Exchange Risk)
Interest Rate Risk
This risk refers to the probability of the occurrence of losses due to 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.
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.
 Rated
EQS70061479-8B6C-63C8C37CB6A1-190914-OF
12.0.19.06

Plan: PRUlink Exact Protector 5

Policyowner's name: JANDY A SUHIAN
Insured's name: JANDY A SUHIAN
Insured's gender: FEMALE
Annual Premium: PhP 64,525.00
Agent code: 70061479
Agent name: MANUEL JR. C DE LEON

Sum Assured Rating Flat Extra

Basic Cover (Sum Assured) 360,000.00 Standard 2.00
Accelerated Total and Permanent Disability 60,000.00 D
Accidental Death and Disablement 180,000.00 Class 3

This page which contains the rating information is not part of the Sales Illustration and should not be given to the applicant for insurance. This should be submitted to the
Underwriting team for validation and processing purposes.