Diversify

Allianz PNB Life's Diversify Peso brings together the opportunities of investing in expertly managed funds and the security of having insurance protection of at least 5X your basic annual regular premium while having maximum flexibility in determining its features.

Diversify is a regular-pay, whole life policy that has its value directly linked to the performance of the underlying fund.

Invest for as low as P15,000 only

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Policy	Ages 0-40	Ages above 40
Peso	Php 15,000.00	Php 20,000.00

Pick your choice of investment:

The funds available cater to your different investment objectives. Combinations are allowed. Each allocation should be at least 10% of your premium. The type of fund or the combination of funds you choose will have direct effect on your investment's performance.

Peso Optimized Dividend Equity Fund

Peso Multi Sector Equity Fund

Peso Fixed Income Fund

Peso Equity Fund

Peso Balanced Fund

Peso Money Market Fund

Features and Benefits

Flexibility to direct your Premium

You can change the proportions of how your premiums are invested depending on your investment appetite, applicable on your next regular premium payment.

Increase your investment whenever you want

Add investments anytime to your policy while it is in force through a Top-Up Premium that can increase your Total Sum Assured by 125% of the top-up amount!

Switch and reshape your portfolio

Reallocate your funds to another type or combination. You are allowed 2 FREE switches within a policy year

Withdraw from your fund anytime!

For partial withdrawals, your Diversify policy remains in force as long as your fund value is enough to pay your monthly charges. You have FOUR FREE withdrawals per policy year.

Life Event Benefit Rider

In the event of marriage by the policy owner, the birth of a child, the death of a spouse or a child, divorce or separation, or loss of job through involuntary unemployment, Diversify comes automatically with a life event benefit rider wherein Allianz PNB Life will credit back the cost of insurance charges for the six months preceding the receipt and approval by Allianz PNB Life of due proof that the policy owner, aged 18 to 60, experienced a defined Life Event. A maximum of one claim may be availed per policy year.

DISCLAIMER

Like all other financial products, VULs have their advantages and trade-offs. As an investment-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 their 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.