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Optimal Power


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.

Choose your level of protection

Optimal 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 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 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.

Visit our website at to get more information about these funds.

Enhance your Protection

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.

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. You have 4 free withdrawals per year.
  • 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.

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.

Exiting and risks involved

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 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 there 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.

Contact Us

At Allianz PNB Life, we are here to help.

Should you have any concerns or complaints, you may reach us at any of the following options:

9th Floor, Allied Bank Center, 6754 Ayala Avenue corner Legaspi Street,
Makati City, Philippines

HOTLINE: 818–4357 (HELP)
TRUNKLINE: 818–5433 (LIFE)
FAX: 818-2701
Domestic Toll Free Number: 1-800-10-818-5433


Email: [email protected]
Service hours: 9:00am to 6:00pm

Copyright 2019 | All Rights Reserved | Allianz PNB Life Insurance Inc.