AZpire Growth

At Allianz, we know that millennials are doing a better job at getting in financial shape than other generations.

So while most companies are focused on trying to get young professionals to understand their products and services, we instead designed a financial plan that truly understands you, the Filipino millennial.

AZpire Growth fuels your aspirations on top of matching your financial requirements. It puts more of your money on well-managed investment funds to make it grow faster so that you can use them sooner to jumpstart the realization of your dreams, fulfill your family’s needs, and even take on that well-deserved adventure.

Your choice of currency

Elect to pay premiums in Philippine currency or go with a US Dollar denominated plan.

Protection for life at the highest levels

Enjoy the protection you need until age 100 at 5x or 500% of your annual premium.

Pocket-friendly payment terms that you control

You can choose to pay annually, semi-annually or quarterly. In fact, if your fund values are more than enough to cover monthly charges after the 5th year, you can elect not to pay premiums anymore*.

Ability to level-up as you like

Whether you like to top up your investments regularly or as you find you’ve got more cash available than you need, AZpire Growth allows you to level your investments up. Boost this plan so you don’t have to take out new policies or investment instruments.

Funds you can influence

You have the freedom to switch your plan’s investment. Up to four (4) switches a year are free of charge.

Account you can access as needed

You can withdraw from your investment anytime. But if you defer this until after the 4th policy anniversary, you can start to withdraw twice a year without charges.

A premium for persistence

Give your funds a boost with 5% of your 10-year average monthly balance credited to your account on the 10th and 20th years. Get an additional 2% on your regular premium on years 6 through 20, provided all premiums have been paid and no withdrawals have been made for the same period. The premium bonuses are available for withdrawal after 15 years from issue, or at maturity, whichever comes first.

Riders to rev up your plan

Don’t stop with coverage that’s at 500% of your annual premiums. Power up your plan some more with Critical Illness 100, Total and Permanent Disability, and Accidental Death and Dismemberment Riders.

*At the time your Total Fund value is insufficient to cover all monthly charges, before or after your chosen premium holiday option, if any, you will be required to pay additional premiums, to keep your policy in force.


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.