Grow Your Money by Putting It Into a Minimum 1-Million One-Time Investment
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|Minimum Single Premium|
|0 to 70||1,000,000||20,000|
Choose your level of protection
Level Death Benefit
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.
Increasing Death Benefit
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.
Decide How Your Money Grows
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.
Enhance Your Protection
Enjoy These Features and Benefits
If you are wondering where to invest 1 million pesos, Maximal Power is the policy for you. This plan has no premium charge, so you get the most out of your investments while enjoying one of the highest insurance protection benefits available in the market.
Ability to Switch and Reshape Your Portfolio
Manage your portfolio by reallocating your funds, depending on your new investment goals. Exercise control over your funds by switching them, subject to minimal charges.
The Power to Decide When to Cash In
Take charge and withdraw from your policy anytime should you need cash for emergency purposes, subject to applicable charges and maintaining balance.
Receive a loyalty bonus every 5 years as long as your policy remains in force.
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 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.