Grow Your Money by Putting It Into a Minimum 1-Million One-Time Investment

Maximal Power is a single-pay, unit-linked life insurance product offered by Allianz PNB Life. It maximizes your investments by putting them into expertly managed funds while providing superior lifetime insurance protection of at least 130% of the Single Premium you paid. This minimum 1-million single-pay investment plan with insurance lets you make the most out of your investment since there is no premium charge deducted and only a fixed charge is imposed. The plan is available in Philippine Peso or US Dollar denomination.

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Minimum Single Premium
0 to 70 1,000,000 20,000
Maximal Power is a minimum 1-million single-pay investment plan with insurance that allows you to select the level of protection that you need from the following options:

The amount of insurance coverage is equal to your Total Sum Assured or your Total Fund Value, whichever is higher. This means that you can achieve your desired level of protection while enjoying a higher potential for the accumulation of funds.

  • Skip medical exams! Guaranteed Acceptance is available for plans starting at Php 500,000 for Optimax Gold* or USD 10,000 for Optimax Green*, subject to certain conditions and limits.**

The insurance protection of your minimum 1-million single-pay investment 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 also does.

The Total Fund Value is based on the premium you pay plus the earnings of your chosen fund, less any charges and your fund withdrawals.

Choose from a wide range of funds — managed by world-class investment managers — that best suit your needs, objectives, and risk appetite. The performance of your chosen funds may vary and may present a certain level of risk for you. To check the daily Net Asset Value per unit (NAVpu), go to the Fund Value page.

Add an Accidental Death and Dismemberment rider to enhance the protection level of your minimum 1-million one-time investment. This provides an additional level of coverage in case of death or disability caused by an accident.
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 major newspaper.

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 applicable charges.


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.

* Optimax Gold and Green are variants of Maximal Power with Guaranteed Acceptance Endorsement

**These are the maximum single pay limit and conditions on the limited cover in the first two years, which will be discussed at the point of sale.