DARE TO PROSPER
Allianz PNB Life’s Optimum Gold is a peso-denominated, single-pay, whole life plan with a value that is directly linked to the performance of the underlying fund.
It brings together the opportunities of investing in expertly managed funds with its guaranteed insurance protection of at least 125% of your premium while providing you a hassle-free process since no medical exams will be required.
Pick your choice of investment
The funds available cater to your different investment objectives. Combinations are allowed. Each allocation should be at least 10% of your premium. The type of fund or the combination of funds you choose will have direct effect on your investment’s performance.
Features and benefits:
- Make those Add-ons
Add investments anytime to your Optimum Gold Policy while it is in force through a Top-up Premium.
- Switch and reshape your portfolio
Reallocate your funds to another type or combination up to 2 free switches within a policy year.
- Have the power to decide when to cash in
Withdraw any amount from your fund anytime. You have 4 free withdrawals per policy year.
- Go for a loyalty bonus
Receive a loyalty bonus amounting to 0.5% of the average of your monthly balances after 5 years. Such is recal- culated and added to your fund every 5 years.
- Guaranteed Acceptance Endorsement
Enjoy a hassle-free application since no medical exams will be required
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.