Page 1 of 7

EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

PruLink Assurance Account Plus

is a regular-pay variable life
insurance product that provides living, disability and death benefits.
The living benefits are the partially and fully withdrawable values,
subject to decreasing surrender charges for Top-ups (if applicable),
which are taken from the policy's share in the separate fund(s). The
Accelerated Total and Permanent Disability benefit accelerates a
percentage of the sum assured. The death benefit is the total of the
sum assured and the policy's full withdrawal value. Optional benefits
can be included in PruLink Assurance Account Plus.

Proposed Life Insured

: THEODORE CHRISTOPHER CAGAYAO

Age

: 28

Sex

: Male

Regular Annual Premium

: PHP 37,000

Sum Assured

: PHP 1,500,000

Accelerated Total and

Permanent Disability Benefit

: PHP 1,000,000

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 depend 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 PruLink Bond Fund seeks to achieve an optimal level of
income in the medium term together with long term capital
growth through investments in fixed income securities and
money market instruments.

THE INVESTMENT RISKS ASSOCIATED WITH THIS PRODUCT ARE

BORNE SOLELY BY THE POLICYOWNER.

PruLink Managed Fund

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 receive
them. We will refund the premium you paid in full.

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 .
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 conditions of this
policy and that when buying this policy, I am assuming all investment risks
associated with it.
I have read and understood the Investor Classification in the attached page
and have made an assessment of my risk appetite with the help of my
agent.

100 %

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.

I have taken my Investor Classification into consideration in my

choice of fund allocation.

PruLink ProActive Fund

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.
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.

THEODORE CHRISTOPHER CAGAYAO

Applicant
THEODORE CHRISTOPHER CAGAYAO

Proposed Insured

Presented by :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

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

Agent's Code :
Agent's Signature :

70017056

PruLink Assurance Account Plus

Page 2 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

INVESTOR CLASSIFICATION
This means that when you invest, you want your capital to be subject to minimal risk .
However, you realize that this may mean you may not achieve real capital growth on the
amount invested because of inflation.

CAUTIOUS

Example:
PruLink Bond Fund, PruLink, Money Market Fund,PruLink Dollar Bond Fund,
PruLink Asian Local Bond Fund

MODERATELY CAUTIOUS

This means that when you invest, you want the potential of some real capital growth.
understand that to have this potential, you need to take some risk with the capital you invest.

You

Example: PruLink Managed Fund, PruLink ProActive Fund

This means that when you invest, you want the potential of greater real capital growth. You
understand that to have this potential, you need to take moderate risk with the capital you
invest.
MODERATELY ADVENTUROUS

Example: PruLink Growth Fund, PruLink ProActive Fund, PruLink Cash Flow Fund*
*If you invest in PruLink Cash Flow Fund, you primarily seek regular payout. As the Fund
predominantly invested in high yield fixed income securities, you need to take moderate risk with
the capital you invest.

ADVENTUROUS

This means that when you invest, you want the potential of significant real capital growth .
You understand that to have this potential, you need to take higher risk with the capital you
invest.
Example: PruLink Equity Fund, PruLink Asia Pacific Equity Fund, PruLink Global Emerging
Markets Dynamic Fund

Presented by :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

Agent's Code :
Agent's Signature :

70017056

PruLink Assurance Account Plus

Page 3 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

PROTECTION BENEFITS PAGE

Enjoy the advantage of having a comprehensive
Assurance Account Plus policy you are going to purchase.

plan

complete

with

additional

protection

benefit(s)

which

enhance(s)

the

PruLink

You have chosen the benefits below:

Benefit
Type

Benefit

Benefit
Amount

Protection Benefit

Basic Cover (Sum Assured)

Lump Sum

1,500,000.00

Accelerated Total and Permanent Disability

Lump Sum

1,000,000.00

Included in Basic Cover

Accelerated Life Care Benefit

Lump Sum

1,500,000.00

Included in Basic Cover

Payor Term Rider

Lump Sum

240,000.00

240,000.00

3,000.00

1,095,000.00

1,500,000.00

Hospital Income Rider Benefit(s)

Daily Hospital Income

Per Illness
Daily

Sum of Protection Coverage Indicated

2,835,000.00

Conditions apply to each benefit illustrated above. Please refer to the Policy Contract
for details.

Fund Value at "Current" Investment Return (Age 60)

1,654,797.74

Fund Value is not guaranteed. The indicated value is taken from the Illustration of
Withdrawal Benefits - Equity Fund page of
this Sales Illustration; all conditions
disclosed in the page apply.

Total Premiums Payable (Age 60)

1,184,000.00

Benefits-to-Total Premiums Payable Ratio

3.79

Benefit-to-Total Premiums Payable ratio is the Sum of Protection Coverage plus the
Fund Value at
"Current" Investment Return (Age 60) Indicated divided by Total
Premiums Payable.

Presented by :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

Agent's Code :
Agent's Signature :

70017056

PruLink Assurance Account Plus

Page 4 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

ILLUSTRATION OF BENEFITS - PRULINK EQUITY FUND

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.

Policy
Year

Attained
Age

Top-up
Amount

Withdrawal
Amount

Fund
Allocation**

1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
32
37

29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
60
65

18,500.00
18,500.00
37,000.00
37,000.00
37,000.00
37,000.00
37,000.00
37,000.00
37,000.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
40,700.00
37,000.00
37,000.00

The HIGH and LOW investment returns, at 10.00% and 4.00%, are those
prescribed
by
the
Insurance
Commission.
The
illustrated
"CURRENT"
investment return is based on the actual average investment
return
experienced by the Fund in the last 36 months, as indicated in the Historical
Unit Fund Performance page, except that if the average exceeds 10.00%, the
illustrated investment return is capped at 10.00%.

PROJECTED BENEFITS
LOW (4.00%)*

FULL WITHDRAWAL VALUE

CURRENT (6.49%)*

HIGH (10.00%)*

2,526.80
13,247.14
43,194.53
74,010.97
105,662.89
138,115.38
171,323.59
204,805.70
238,909.98
277,405.18
316,575.35
356,297.72
395,682.37
435,505.20
475,701.86
516,131.63
556,689.12
596,362.15
635,766.42
912,752.75
836,080.59

2,587.36
13,629.15
44,636.62
77,320.57
111,719.81
147,875.74
185,823.64
225,155.50
266,306.55
313,228.43
362,310.93
413,540.90
466,123.86
520,955.91
578,099.15
637,544.19
699,322.92
762,545.09
827,971.04
1,654,797.74
1,972,809.33

2,672.62
14,172.07
46,704.78
82,143.51
120,706.57
162,634.08
208,181.15
257,168.09
310,295.62
371,937.67
438,829.52
511,337.68
589,059.04
673,349.78
764,780.11
863,899.23
971,354.53
1,086,903.49
1,212,043.92
3,698,816.25
5,634,504.20

*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 charges, as specified below. These
charges are not guaranteed.
a.
Annual insurance charge, inclusive of premium tax and DST, which starts at
PHP 1.52 per 1,000 of the sum assured. All Top-ups shall also be subject to
insurance charge. While the insurance charge is quoted at annual rate ,
deductions from the fund shall be made monthly. Rider charges, if any, are
also deducted each month. Monthly deductions may change within one policy
year as monthly insurance charges and rider charges are based on the
attained age of the Proposed Insured.
b.
Policy Fee, deducted monthly from the total fund, amounting to PHP 33.33.
The policy fee is guaranteed not to exceed PHP 100.00 per month.
The annual insurance charge, rider charge (if any)
and policy fee are
to be deducted proportionately based on the particular fund's share in
the policy's total fund value. It may happen that the LOW and
CURRENT, or CURRENT and HIGH investment returns are the same for
a particular fund, but their year-on-year Full Withdrawal Values differ,
because these charges are allocated to each fund based on the weight
of the fund to the policy's total fund value.
c.
Annual Management Charge (AMC) of 2.25% of the fund value for this
particular fund. The rate is guaranteed not to exceed 2.50%.
d.
For fund withdrawals on Top-ups, a surrender charge will be applied based on
the amount withdrawn, at the following rates: 5% on the first policy year, 4%
on the second policy year, 3% on the third policy year, 2% on the fourth
policy year, and 1% on the fifth policy year. The policy year will be counted
from the date the Top-up is made.
2. All Top-ups shall be subject to an initial charge of 3% of the Top-up amount.
3. The Loyalty Bonus is automatically added to the fund starting on the 11th up to the
20th policy year subject to certain conditions.
4. The fund value may run out due to partial withdrawals and deduction of charges. If
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, subject to
Note 6b below. 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 :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

5.

Full Withdrawal Value is net of partial withdrawal (s), as indicated in the Transaction
Summary Page, where applicable. If Full Withdrawal Value is withdrawn, the
policy automatically terminates.
6a. If Full Withdrawal Value is positive from year 1: The fund has no policy debt. The
rest of Note 6 does not apply.
6b. If the Full Withdrawal Value is zero (0) in the early years:
When the Full Withdrawal Value is zero (0), the fund value may be insufficient
to cover the charges. To provide you with insurance coverage (s), we shall
create a policy debt corresponding to the monthly charges while there is no
fund value, provided that premiums are paid on time and there are no fund
withdrawals. This policy debt, accumulated in your account without interest, is
extinguished if, and as, the fund value grows. The policy will not be terminated
on account of an outstanding policy debt within the first four (4) years,
provided that premiums are paid on time and there are no withdrawals from
your account.
7. The above illustration assumes that all premiums are paid in full when due and as
planned with no premium holiday, and assuming that the current scale of charges
remain unchanged.
8. In this illustration, Top-ups are made at the beginning of the policy year, and
partial withdrawals are made at the end of the policy year.
9. Partial withdrawals are funded by selling the number of units in your fund that will
cover the amount of your partial withdrawal. Partial withdrawals will first be drawn
from the units in accordance with the order of regular premiums and /or Top-ups
paid, on a first-in-first-out basis. No surrender charge will be applied on the
portion of partial withdrawals drawn from units created from the regular premiums .
Surrender charge will only be applied to the portion of partial withdrawals drawn
from units created from Top-ups where the percentage applied will be based on
item 1.d. The surrender charge shall be based on the policy year counted from
the date the Top-up is made. Because the performance of the Fund is not
guaranteed, the sufficiency of the fund value to support your partial withdrawal is
also not guaranteed.
10. Values illustrated in this page are Full Withdrawal Values net of withdrawals plus
Top-ups indicated in this page. And if Full Withdrawal Value is withdrawn, your
policy automatically terminates, and all future withdrawals no longer apply.

Agent's Code :
Agent's Signature :

70017056

PruLink Assurance Account Plus

Page 5 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

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 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 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.

The HIGH and LOW investment returns, meet the requirements

prescribed by the Insurance Commission.
Policy
Year

Attained
Age

DEATH BENEFIT
LOW
(4.00%)**

CURRENT
(6.49%)**

HIGH
(10.00%)**

29

1,492,037.16

1,492,037.16

1,492,037.16

30

1,502,526.79

1,502,587.36

1,502,672.62

31

1,513,247.14

1,513,629.15

1,514,172.07

32

1,543,194.53

1,544,636.62

1,546,704.78

33

1,574,010.96

1,577,320.56

1,582,143.51

34

1,605,662.89

1,611,719.81

1,620,706.57

35

1,638,115.38

1,647,875.74

1,662,634.08

36

1,671,323.59

1,685,823.64

1,708,181.15

37

1,704,805.70

1,725,155.50

1,757,168.09

10

38

1,738,909.98

1,766,306.55

1,810,295.62

11

39

1,777,405.18

1,813,228.43

1,871,937.67

12

40

1,816,575.35

1,862,310.93

1,938,829.52

13

41

1,856,297.72

1,913,540.90

2,011,337.68

14

42

1,895,682.37

1,966,123.86

2,089,059.04

15

43

1,935,505.20

2,020,955.91

2,173,349.78

16

44

1,975,701.86

2,078,099.15

2,264,780.11

17

45

2,016,131.63

2,137,544.19

2,363,899.23

18

46

2,056,689.12

2,199,322.92

2,471,354.53

19

47

2,096,362.15

2,262,545.09

2,586,903.49

20

48

2,135,766.42

2,327,971.04

2,712,043.92

32

60

2,412,752.75

3,154,797.74

5,198,816.25

37

65

2,336,080.59

3,472,809.33

7,134,504.20

**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 outstanding policy debt shall be deducted from the death benefits/ supplemental benefits.
When the fund value is no longer sufficient to pay 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 :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

Agent's Code :
Agent's Signature :

70017056

Page 6 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

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, 2015
Bond
Fund

Managed
Fund

Growth
Fund

Equity
Fund**

ProActive
Fund

Money Market
Fund*

Sept. 24, 2002

Sept. 24, 2002

July 22, 2005

Oct. 1, 2007

Feb. 17, 2009

Feb. 17, 2009

Year 1

10.71 %

12.40 %

23.03 %

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 %

N/A

N/A

Year 8

8.54 %

16.78 %

21.71 %

26.11 %

N/A

N/A

Year 9

5.89 %

3.87 %

3.56 %

5.86 %

N/A

N/A

Year 10

10.86 %

12.65 %

9.38 %

10.67 %

N/A

N/A

Year 11

11.24 %

11.10 %

N/A

N/A

N/A

N/A

Year 12

-1.57 %

0.07 %

N/A

N/A

N/A

N/A

Year 13

5.73 %

2.96 %

N/A

N/A

N/A

N/A

Compound Annual Investment

Return based on completed
years

7.76 %

9.13 %

14.31 %

17.21 %

14.29 %

0.44 %

Average Annual Investment

Return for last 36 months
preceding December 31, 2015

2.85 %

2.57 %

4.75 %

6.49 %

1.95 %

0.00 %

Fund Launch Date

*Money Market Fund performance has an interest rate floor at zero percent (0%).
**The Equity Fund has served as an underlying fund of the Managed and Growth Fund prior to its launch date.

The assets in our unit funds are valued on a daily basis using the marked-to-market valuation method.
The unit prices of Pru Life UKs unit funds
www.prulifeuk.com.ph for the latest unit prices.

are published every Friday on major newspapers, or you may log on to our website

Certified true and correct:

Lee C. Longa
EVP and Chief Financial Officer

Date of Certification: June 22, 2016

Presented by :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

Agent's Code :
Agent's Signature :

70017056

Page 7 of 7
EQS70017056-B991-D428CEC4D19D-160721-OF
1.2.16.06

VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY
Applicant's Name

: THEODORE CHRISTOPHER CAGAYAO

Application Number

Agent's Name

: KRISEL ANNE M GARIN

Agent's Code

: 70017056

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

Presented by :

KRISEL ANNE M GARIN

Presented to :

THEODORE CHRISTOPHER CAGAYAO

This Sales Illustration was prepared on 7/21/2016.

Date

Agent's Code :
Agent's Signature :

70017056