Dare To Maximize Your Wealth
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Ages 0 - 70
Choose your level of protection
Level Death Benefit
The amount of insurance coverage is fixed, equal to your Total Sum Assured, until such time that your Total Fund Value exceeds this amount. 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 sum of your Total Sum Assured and your Total Fund Value. You get to enjoy a higher level of protection over time because your level of protection increases as your Total Fund Value increase.
Decide how your money grows
You decide how your money grows as Optimal Power gives you the power to choose from a variety of fund options. These funds are managed by world-class investment managers that combine their experience with the best investment strategies and advanced risk management approach available.
Our financial advisors and agents can also guide you in determining your risk profile and recommend an optimal mix of funds that suits your goals, risk tolerance, return expectations, and liquidity needs.
Enhance your Protection
Enjoy these features and benefits
Make those Add-ons
Add investments to your Optimal Power policy anytime and increase your insurance coverage through Top-up Premiums.
Switch and reshape your portfolio
Manage your portfolio by reallocating your funds to another type depending on your new investment goals. You have 2 free switches per year.
Have the power to decide when to cash in
Withdraw from your policy anytime if you need cash, subject to maintaining balance. You have 4 free withdrawals per year, after which there will be applicable charges.
Go for a loyalty bonus
Receive a loyalty bonus based on your monthly balance for the past 5 years. Such is recalculated and added to your fund every 5 years.
Exiting and risks involved
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.
**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.