DARE TO MAXIMIZE YOUR INVESTMENT
Maximal Power is a single pay, unit-linked life insurance product offered by Allianz PNB Life that
maximizes your investments by putting it into expertly managed funds while providing superior
lifetime insurance protection of at least
130% of the Single Premium you paid. This plan is available in Peso or US Dollar denomination. This
plan lets you win and gets the best out of your investment since there is no premium charge deducted
and only a fixed charge is imposed.
The plan is available in Peso or US Dollar denomination.
Choose your level of protection
Maximal Power is an insurance plan that allows you to select the level of protection that you need
from the following options:
Level Death Benefit
The amount of insurance coverage is equal to your Total Sum Assured or your Total Fund Value,
whichever is higher. Your desired level of protection is achieved while enjoying a higher
potential for accumulation of funds.
Increasing Death Benefit
The insurance protection is equal to the combined amount of your Total Sum Assured and your
Fund Value. Under this option, you enjoy a higher level of protection over time because as
your fund value increases, your level of protection
Decide how your money grows
The Total Fund Value is based on the premium you pay plus earnings of the chosen fund, less charges
and your fund withdrawals.
Choose from a wide range of funds managed by world-class investment managers which best suits your
needs, objectives and risk appetite. The performance of your chosen funds may vary and may present a
certain level of risk for you. Click
here to get more
information about these funds.
Visit our website at www.allianzpnblife.ph to get more information about these funds.
Enhance your Protection
Add an Accidental Death and Dismemberment rider to enhance your protection level. This provides
additional level of coverage in case of death or disability caused by an accident.
Enjoy these features and benefits:
- Maximize your investments
This plan has no premium charge so you get the most out of your investments while enjoying
one of the highest insurance protection available in the market.
- Switch and reshape your portfolio
Manage your portfolio by reallocating your funds to another type depending on your new
investment goals. Exercise control over your funds by switching them, subject to minimal charges
- Have the power to decide when to cash in
Take charge and withdraw from your policy anytime if you need cash for a more important
purpose, subject to applicable charges
- Go for a loyalty bonus
Receive a loyalty bonus every 5 years as long as your policy remains inforce.
Fund valuation will be daily. You can monitor the performance of your chosen funds on how the Net
Asset Value per Unit (NAVPU) moves in the Allianz PNB Life website and is published weekly in a
Exiting and risks involved
If you are not completely satisfied with the policy that you purchased, you may return it within
fifteen (15) days of receipt of Policy together with a signed written notice requesting
cancellation. You will be refunded an amount equal to the Total Fund
Value plus all charges paid from the Policy Date. After the 15-day period, you may still surrender
this Policy and receive the Total Fund Value less applicable charges.
You may also withdraw a portion of your Fund or switch from one Fund to another, subject to
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
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.