Allianz Shield

A Customizable Variable Life Insurance Policy that Prepares You for the Unexpected

Allianz Shield is a regular-pay unit-linked life insurance solution that allows you to live every day of your life to the fullest. This policy provides you with the protection you need to freely embark on the life that you have envisioned for yourself.

Stay Protected While Securing Your Finances

This variable life insurance policy allows you to invest your money in expertly managed funds which you can use to boost your protection.

Payment Terms That Suit Your Financial Situation

With a life insurance and savings plan like Allianz Shield, you can be protected for at least Php 1,000,000, for as low as Php 6,000 quarterly.* This life insurance plan is also available in both Peso and US Dollar denominations, providing you the freedom to choose depending on your unique financial condition.

Features and Benefits

Free Life Event Benefit Rider

Cover any costs that go along with the different milestones and circumstances in life—such as marriage, childbirth, death of a family member, and involuntary loss of employment—with Allianz Shield. This life insurance policy comes with a FREE Life Event Benefit Rider, which will credit back up to Php 10,000 of the insurance charges you paid in the last 6 months.

We encourage you to speak with our Life Changers™ to find out more about the riders we offer so that you can find suitable coverage that can provide for your various life events.

Easy Access to Your Investment Funds

Allianz Shield allows you to withdraw from your investment funds if you encounter unexpected expenses. You can use the money you may have earned from those funds to cover the costs without using your budget. Withdrawals are free of charge for up to 4 times in one year.

Customizable Plan

Have the freedom to customize your plan depending on your protection needs and financial capabilities. With Allianz Shield, you have the option to choose how many years you wish to pay your premiums and what riders you want to include in your policy.

Get rewarded for your loyalty

Receive a Loyalty Bonus every five (5) years, provided that your policy remains in force and you pay your premiums regularly and on time. The Loyalty Bonus is equivalent to 2% of the average monthly Total Fund Value from the past five (5) years.

Customize Your Plan

Customize your plan by changing the premium paying years, addition of riders, and setting your own rider coverage.

Sample computation is based on an age 30 Female with Php 6,000 quarterly premiums.

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Comprehensive Coverage
Coverage Type	Amount of Coverage
Minimum Life Insurance Coverage	Php 1,000,000
Accidental Death and Dismemberment	Php 1,000,000
Multi-Stage Critical Illness Benefit	Php 1,000,000
Life Event Benefit	Php 10,000
Waiver of Premium due to Critical Illness and Total and Permanent Disability**	Included, up to age 65

Sample coverage illustration for a 30-year-old female with a quarterly premium amounting to PHP 10,867 for her Allianz Shield plan with health insurance coverage

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Health Insurance Coverage
Coverage Type	Amount of Coverage
Minimum Life Insurance Coverage	Php 1,000,000
Hospitalization Benefit Per illness, per year***	Maximum of Php 1,000,000
Life Event Benefit	Maximum of Php 10,000

*Depends on insured's age upon application

**Waiver of Premium - A plan rider that pays all insurance premiums in the event of critical illness, total and permanent disability, or death. It will help in keeping a policy inforce, even if the policyholder can no longer pay the premiums.

***Hospital and Surgical Rider can only be paired with Cost-of-Living Adjustment Rider

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 investment 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.

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Embrace every life stage with confidence.

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