1. Death Benefit – Your beneficiaries will receive either 125% of single premium for accidental death¹ or 100% of single premium for non-accidental death if death happens within two (2) years from issuance or date of last reinstatement of the policy. They will receive 125% of the single premium, regardless of cause of death if death happens after two (2) years from issuance or date of last reinstatement.
2. Guaranteed Annual Payout – Receive assured yearly payouts equivalent to 4% of the single premium paid until the policy maturity date as long as the Life Insured is alive on each policy anniversary when a payout is due. The policyowner is not allowed at any time to leave the annual payout to the company with the intent to accumulate additional earnings.
3. Maturity Benefit – Get 100% of the single premium paid if the policy is in-force at the end of the 7-year coverage period.

Any outstanding loans and interest are deducted from the Death Benefit, Maturity Benefit, or Guaranteed Annual Payout.

1. Policy Surrender and Schedule of Net Cash Values  – The policy may be surrendered before the Policy Maturity Date for its net surrender value which is the cash value less any outstanding policy loan and interest. The Schedule of Net Cash Values forms part of the Policy Booklet and is provided to the customer upon issuance of the policy.
2. Policy Loan  – A loan may be obtained not exceeding the maximum loanable amount which is 80% of the available cash value. The amount of loan and interest is payable on or before the next policy anniversary. If the loan remains unpaid by then, both loan and interest become a new loan on which interest will be charged at the rate in effect on that date. Any outstanding loans and interest are deducted from any payable benefits.
3. Reinstatement – If the Policy terminates due to over loan, the Policy owner may apply to reinstate it within three (3) years from lapsation date and prior the Policy Maturity Date. The Policy owner is required to pay the necessary amount to put his policy back to in force status, as determined by Pru Life UK.

1. This plan and other benefits attachable to it have other conditions and exclusions that may affect the payment of the insurance proceeds. The complete terms and conditions are found in the Policy Contract. In the event of conflict between this material and the Policy Contract, the latter shall prevail.
2. Guaranteed Insurability Offer (GIO) – Medical underwriting is not required to issue the policy. However, this does not mean guaranteed approval of application. It may still be declined for reasons such as, but not limited to, the following: (1) Exceeded the GIO limits set by Pru Life UK, (2) Non submission of complete requirements for Anti-Money Laundering Act (AMLA), Counter Terrorist Financing (CTF), and Economic Sanctions Regimes (Issuances) , (3) Non completion of information in the GIO application form. If policy is not issued, 100% of the single premium paid will be returned.