AVE JOHN S.

LOPIDO
Financial Consultant

Mobile: 09174420584
Email: avejohn_lopido@yahoo.com

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Variable Universal Life (VUL) Insurance

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 A VUL or Variable Universal Life insurance is an
innovative form of life insurance with living,
accident, disablement, critical illness, hospitalization,
and death benefits PLUS investment in high-quality
securities such as stocks and bonds.

VUL offers protection, retirement, travel, education,

property acquisition, estate protection, and wealth
accumulation opportunities, among other financial
benefits.

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Eastspring Investments

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 Eastspring Investments (Singapore) Ltd., the
investment arm of Prudential plc, is Asia’s largest
retail fund manager for three years in a row from
2012 to 2014, according to an annual survey by Asia
Asset Management.

Eastspring also manages the Bangko Sentral ng

Pilipinas (BSP) equity mandate for its Provident Fund,
which provides retirement funding for the central
bank's employees.

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EQUITY Fund

A fund that is
completely invested in
stocks (or equities),
which are financial
instruments that signify
ownership in a
corporation and
represent a claim on
part of that business’
assets and earnings.

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BOND Fund

A fund that is
completely invested in
bonds (or fixed-
income assets), which
are debt instruments
wherein the
authorized issuer owes
the holders a debt
and is obliged to
repay the principal
and interest.
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PROACTIVE Fund

Fifty (50) percent

equities, fifty (50)
percent bonds.

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GROWTH Fund

Eighty (80) percent

equities, twenty (20)
percent bonds.

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MANAGED Fund

Eighty (80) percent

bonds, twenty (20)
percent equities.

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Basic VUL Programs

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 PruLink Exact Protector (PEP)
-payable in 5, 7, 10, or 15 years

PruLink Assurance Account Plus (PAA)

-payable continuously up to age 100

PruLink Investor Account Plus (PIA)

-single premium (minimum of P100,000) variable life
product

PruMillionaire
-single premium (minimum of P1M) variable life
product

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CORE Benefits

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 CORE benefits are built-in features that are
automatically included in the majority of Pru Life UK’s
VUL programs. They include:

-Sum Assured

-Accelerated Total & Permanent Disability (TPD)

-Accelerated Life Care

-Loyalty Bonus

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Sum Assured

Basic coverage that

the beneficiary will
receive upon the Life
Insured’s death during
the policy period.

Acceptance Age: 7 days old

to 65 years old
Expiration: By age 100

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Accelerated Total & Permanent
Disability (TPD)

This rider allows for all

or a portion of the
Sum Assured to be
converted into a living
benefit in the form of
a TPD coverage.

Acceptance Age: 5-65 years

old
Expiration: By age 70

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Accelerated Life Care

This rider allows for all

or a portion of the
Sum Assured to be
converted into a living
benefit in the form of
a Critical Illness
coverage.

Acceptance Age: 18-60 years

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Loyalty Bonus

The policy owner

receives additional 10
percent of his/her
annual premium from
the 11th year through
the 20th provided that
he/she has a clean
payment record. This
is available for 15-year
or regular-pay plans.

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RIDER Benefits

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 Riders are insurance features that are purchased
separately from the basic insurance and provide
additional benefits at additional cost. They include:

-Waivers

-Hospitalization income

-Personal accident benefit

-Critical Illness benefit

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Waiver of Premium on TPD

Waives future
premiums in the event
of total and
permanent disability.
Acceptance Age: 18-59 years
old
Expiration: By age100 (if used)
or by age 60 (if not used)

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Life Care Waiver

Waives future
premiums if Life
Insured is diagnosed
with a critical illness.
Acceptance Age: 18-59 years
old
Expiration: By age100 (if used)
or by age 60 (if not used)

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Accidental Death
And Dismemberment (ADD)

A rider that pays lump

sum, separate from
the basic Sum
Assured, in case of
accidental death or
dismemberment.
Issue Age: 5-65 years old
Expiration: Age 73

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Accidental Total and Permanent
Disability (ATPD)

A rider that pays cash

benefit in the event
that the accident
results in the Life
Insured’s disablement
(for at least six
consecutive months).
Issue Age: 5-65 years old
Expiration: Age 73

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Murder and Assault (M&A)

A rider that pays a

lump sum, separate
from the Sum Assured,
in the event of murder
or assault.
Issue Age: 5-65 years old
Expiration: Age 73

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Accidental Medical Reimbursement

A benefit that
reimburses in-patient
and out-patient
expenses incurred
within thirty (30) days
from the date of the
accident.
Issue Age: 5-65 years old
Expiration: Age 73

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Daily Hospital Income (DHI)

Provides hospital
income benefit for
each day the Life
Insured is confined in
a hospital.

Note: Requires a 30-day

waiting period since policy
approval & does not cover pre-
existing conditions for the first
12 months.

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Intensive Care Unit (ICU) Benefit

Equal to twice the

amount of DHI and is
given to the Life
Insured in the event of
ICU confinement.

Issue Age: 18-54 years old

Expiration: By age 65

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Long-Term Hospitalization

Additional daily
income provided for
each day of hospital
confinement beyond
30 days.
Issue Age: 18-54 years old
Expiration: By age 65

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Surgical Expense Benefit

Reimburses actual
surgical charges up to
the Surgical Expense
Benefit limit for a
surgery performed
during in-patient
hospital confinement.

Issue Age: 18-54 years old

Expiration: By age 65

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Life Care Advance Plus (LCAP)

A rider that pays a

lump sum, equal to
but separate from the
basic Sum Assured, in
the event that the Life
Insured is diagnosed
with any of the 36
identified critical
illnesses.

Issue age: 18 to 60 years old

Expiration: By age 70
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Early Stage Critical Illness benefit
Advances 25 percent of the LCAP benefit if the Life
Insured is diagnosed with any of the 10 identified
early stage critical illnesses. This can be availed up
to four (4) times provided that the succeeding
claims are for different illnesses.

Advanced Stage Critical Illness benefit

If the Life Insured is diagnosed to be suffering from a
critical illness in advanced stage, Pru Life UK pays all
or what remains of the LCAP benefit.

Issue age: 18 to 60 years old

Expiration: By age 70

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Multiple Life Care Plus

Provides up to 310% of the

Sum Assured as the Life
Insured may file for claims
up to three (3) times. Each
claim is payable for 100%
of the sum assured,
provided the illness falls in
separate categories
under the Critical Illness
table.

Issue age: 18 to 60 years old

Expiration: By age 70

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 THANK YOU!

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