Please read the following terms and conditions carefully before using this Web site or any of our other Web sites. You should review these terms and conditions regularly as they may change at any time. References to "Web site" and "site" mean both the singular and plural of these terms.

Nothing in this site constitutes an offer to buy or sell products or services of Allianz PNB Life. All products and services are subject to the terms and conditions of any applicable agreements. All terms and conditions of your existing policies shall remain in full force and effect and unchanged by this agreement.

Our products and services are available only in jurisdictions where they may be lawfully offered for sale. Not all products and services are available in all geographical regions.

This site is for general information purposes only. It is not intended to provide you with any personalized financial, accounting or tax advice. It should not be used as a substitute for personal advice from an appropriate professional advisor. This site is not intended to provide you with any legal advice. If you require legal advice, please consult with your own lawyer.

Information provided on this site is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. All information in this site is subject to modification from time to time without notice. We will make every reasonable effort to provide you access to our site. However, there will be occasions when the site will be unavailable for use or times when we find it necessary to shut down our site for a period of time for maintenance, updates and other reasonable adjustments.

Sites accessed by hypertext links appearing in this site may have been independently developed by others. We do not guarantee the accuracy of any information in these other sites. The listing of an organization not affiliated with Allianz PNB Life in this site should not be interpreted as an endorsement of its services or products by Allianz PNB Life.

Your use of this site shall be entirely at your risk. Allianz PNB Life will not be responsible in any manner for any harm, loss or damage, however caused, arising out of your use of this site, including direct, indirect, special, third party or consequential damages. We will not be responsible for any detrimental reliance that you may place upon the site or its contents.


Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The applicable laws of the Republic of the Philippines shall govern your use of this web site.

Allianz PNB Life is committed to respecting the privacy of your personal information. We gather and save statistics about the number of people who visit our site, the pages most often viewed, etc., strictly for our own use.

Any information you choose to provide to us (for example, by filling out a survey or sending us e-mail) is for our use only. Your activity on our Web site will not result in your being added to a mailing list, unless you specifically request us to do so. We will not provide or sell any information from any of our surveys, e-mail lists, or electronic forms to any third party. No sales person will call you unless you specifically request it.

It is important to keep in mind, however, that the Internet is not a totally secure medium of communication. For this reason, we cannot guarantee the privacy of any information you input on this site or send to us on the Internet. Allianz PNB Life will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information sent over the Internet.

All trademarks, services marks, trade names, logos, and icons are proprietary to Allianz PNB Life. Nothing contained on the website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this website without the written permission of Allianz PNB Life or such third party that may own the trademarks displayed on this website. Your use of the trademarks displayed on this website, or any other content on this website, except as provided herein, is strictly prohibited.

Images displayed on this website are either the property of, or used with permission by, Allianz PNB Life. The use of these images by you, or anyone else authorize by you, is prohibited unless specifically permitted herein by Allianz PNB Life. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communication regulations and statutes.

The contents of this site are protected by copyright. Users of this site shall be entitled to copy information for their own non-commercial personal use but may not republish or reproduce any part without the prior written permission of Allianz PNB Life. Republishing and reproducing includes any uploading, downloading or accessing the information on this site onto the Internet or any other local or international computer system. An acknowledgement of the source must be included whenever our materials are copied or published. If you require further information on the uses that you may make of the information on this site, or if you wish to obtain a license to reproduce or republish any material on this site, please send such requests by e-mail, or contact:

Allianz PNB Life Insurance, Inc
9/F Allied Bank Center
6754 Ayala Avenue corner Legaspi Street
Makati City

Any infringement of our rights will result in appropriate legal action. Allianz PNB Life disclaim any and all liability which may result from any unauthorized reproduction or use of the information on this site.

You hold Allianz PNB Life, its affiliated companies, as well as any of their officers free and harmless, as well as indemnify them, from any and all liabilities, claims, damages, suits of whatever nature, arising out of or in connection with the implementation of this agreement, including any and all errors inadvertently committed and any computer-related errors. Allianz PNB Life will not be liable for any losses, resulting from circumstances over which it has no direct control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines or other interconnection problems, severe weather, earthquakes, floods or other such events.