Optimal Power is a unit-linked insurance product provided by Allianz PNB Life that provides insurance protection and investment solution as it brings together the opportunities of investing in a wide selection of expertly managed funds while offering a guaranteed insurance coverage of at least 125% of your premium. This is paid one-time and available in Peso and US Dollar denominations.

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Minimum Premium




Ages 0 - 70

Php 100,000

USD 2,000

Optimal Power is an insurance plan that allows you to select the level of protection that you need from the following options:

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.

  • Skip medical exams! Guaranteed Acceptance available for plans starting at Php 250,000 for Optimum Gold* or USD 5,000 for Optimum Green*, subject to certain conditions and limits.**

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.

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.

Click here  to get more information about these funds.

You can further enhance your level of protection with an Accidental Death and Dismemberment rider which insures you in case of death or dismemberment caused by an accident. The cost of this rider is automatically deducted from your Optimal Power policy every month should you decide to add this.
Fund valuations are done daily and are made available in our website. You can monitor the performance of your chosen funds on how the Net Asset Value per Unit (NAVPU) moves.
If you are not completely satisfied with the policy that you purchased, you may return it within 15 days together with a signed written notice requesting cancellation to get the Total Fund Value plus all policy charges. After this period, you may surrender this policy and receive the Total Fund Value.

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.
* Optimum Gold and Green are variants of Optimal 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.
SPHERe: Savings and Investment, Protection, Health, Education, and Retirement.
Financial Needs Analyzer
SPHERe: Savings and Investment, Protection, Health, Education, and Retirement.
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