Maximal Power


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.

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

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.

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 major newspaper.

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 applicable charges.


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.

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