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.


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