PruLink Exact Protector

PruLink Exact Protector

We understand your dreams and we’re helping you reach them sooner with PruLink Exact Protector. Achieve your financial goals with plans to build up your savings in ten (10) to fifteen (15) years or more. 

• Starts with a minimum premium of PhP3,000/month for the 5 -year payment period or PhP2,750/month for 7, 10, and 15–year payment periods. A low-premium variant of this starts at PhP1,500/month for 10- and 15-pay
• Enjoys life protection benefit  equivalent to sum assured plus fund value
• An additional allocation of 10% (5% for dollar) of the annualized regular premium, called Loyalty Bonus¹ is added in the fund for free from the 11^th to the 15^th policy year subject to certain conditions 
• Depending on your need or goal, you may attach additional benefits to your plan by choosing from a wide range of optional riders available. Or, you may avail of the PruLink Exact Protector packages which are customized to answer specific needs such as education, travel and vacation, and even future big purchases such as house and lot and brand new car
• Flexible options to increase or decrease your premiums, top-ups, withdrawals, and fund switching
• Choice of PruLink funds, investing either in a single fund or multi-funds², to customize a well-diversified portfolio that is professionally managed by Eastspring Investments (Singapore) Limited (formerly known as Prudential Asset Management (Singapore) Limited)

Optional riders include: 
Protection against accident, death, and disability

• Accidental Death and Disablement - pays the benefit amount if life insured dies due to accident
• Personal Accident - indemnifies the insured for injury or death due to accident
• Additional Term – pays the benefit amount if life insured dies
• Payor Term - pays the benefit amount if the Payor dies
• Waiver of Premium on Total and Permanent Disability – waives all future premiums until the expiry date of premium payment term if the life insured becomes totally and permanently disabled due to bodily injury or disease
• Payor Waiver – waives all future premiums until the expiry date of premium payment term if the Payor becomes totally and permanently disabled 

Protection against critical illness

• Crisis Cover Benefit (CCB) – advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 15 pre-identified critical illnesses or has undergone surgery due to critical illness
• Life Care Benefit (LCB) - advances the benefit amount from the basic sum assured if the life insured has been diagnosed to be suffering from any of the 36 critical illnesses or has undergone surgery due to critical illness
• Life Care Plus (LCP) - pays the benefit amount if the life insured has been diagnosed to be suffering from any of the 36 critical illness or has undergone surgery due to critical illness, while keeping the basic sum assured intact
• Life Care Waiver (LCW) - waives all future premiums until the expiry date of premium paying term if life insured is diagnosed to be suffering from any of the critical illnesses or has undergone surgery due to critical illness covered under CCB, LCB, or LCP

 Protection against hospital expenses

•  Hospital Income Benefits - provides daily and lump sum cash benefits to the life insured to cover the cost of hospitalization due to injury or illness
   

Product Packages:

PruEducate Plus
PruDream Builder Plus
PruLink Life Protector
PruLink Acci Protector
PruLink Health Protector
PruLink Premiere Protector