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. 

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


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.
Embrace every life stage with confidence.