You only live once, so we encourage you to live every day to the fullest. But because life is unpredictable, being - and staying - protected is also crucial to ensure that you are free to embark on the life that you have envisioned for yourself.

Thankfully, there is an unit-linked life insurance solution that can help you maximize your earning potential while guaranteeing that you and your loved ones are protected, no matter the risks you take.

Allianz PNB Life offers Allianz Shield, a regular-pay, unit-linked insurance plan available in both Peso and US Dollar denomination that safeguards you against the unexpected. You can be covered for at least Php 1,000,000, for as low as Php 6,000 quarterly.*

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
**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.

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.
* Depends on insured's age upon application