Health Dynamics

Health Dynamics is a regular pay, whole life insurance plan with values directly linked to the performance of your choice of underlying funds, and made even more powerful with multistage critical illness benefits. It covers 100 major medical conditions, including Alzheimer’s, Stroke, Cancer, Kidney Failure, and Heart Diseases.

Simply put, Health Dynamics is the ideal plan to help you save and grow your wealth but at the same time also provide you superior health insurance protection.

Now, you can focus on pursuing and living your dreams confident that if a catastrophic or major medical condition befalls you, whether detected early or in advanced stages, funding for surgeries all the way to therapy, won’t get in the way of your recovery.

Your choice of currency

You can elect to pay premiums in Philippine Peso currency or go with a US Dollar denominated plan.

Control over premium payments and paying period

You can shorten your paying period with higher annual premiums or make them lower by paying over a longer period of time.

Select your funds and move them around as needed

Not only does Health Dynamics give you the freedom to choose your underlying funds, it also allows you to switch them around or increase them when you have extra funds.

Health rescue where it counts the most

Health Dynamics provides coverage for the following:

32 early stage critical illnesses

13 intermediate stage critical illnesses

48 late stage critical illnesses

5 catastrophic critical illnesses

2 additional benefits for diabetic complications, angioplasty, and other invasive treatments for coronary heart diseases

Access your account as needed

In case you need them for a more important purpose, you can withdraw from your investment funds anytime subject to maintaining balance. It’s free for up to 4 times a year.

No one can tell or prevent catastrophic medical conditions from happening. Have Health Dynamics on the ready to catch you if you fall.

DISCLAIMER

Like all other financial products, VULs have their advantages and trade-offs. As a unit-linked insurance product, the policy holder must understand and realize that the product is subject to certain risks, such as, but not limited to investment, credit, interest rate, liquidity, mark-to-market, regulatory, and taxation risks, which would affect the account or fund value of the whole VUL policy.

Allianz PNB Life Insurance Inc. is guided by the variable life insurance policies approved by the Insurance Commission (IC) including the IC-issued “Guidelines on Variable Life Insurance Contracts”. The supervision and regulation by the IC, however, does not guarantee the investment returns or protection of the VUL policy against capital loss.

For better understanding of the nature of the aforementioned risks, a table of Definition of Risks is provided in the Sales Illustration.

This is not a deposit product. Earnings are not assured and principal amount invested is exposed to risk of loss. This product cannot be sold to you unless its benefits and risks have been thoroughly explained. If you do not fully understand this product, do not purchase or invest in it.

SPHERe: Savings and Investment, Protection, Health, Education, and Retirement.

Financial Needs Analyzer

Find the right insurance plan for you!

We are behind you in finding the right solutions to reach your financial goals. Try our Financial Needs Analyzer, Allianz Insight, now!

Let's get started!