Page

1 of 9
3.2.2

Low Premium

PRULink Exact Protector Low Premium

Proposed Life Insured : FIFTY YEAR OLD
Age : 50
Sex : Male
Total Annual Premium : PhP 69,600.00
Basic Cover (Sum Assured) : PhP 500,000.00
Accelerated Total & Permanent Disability Benefit : PhP 400,000.00
Accidental Death & Disablement Benefit : PhP 400,000.00

PRULink Exact Protector Low Premium 10 is a variable life insurance product, payable for ten (10) years, that provides living, disability, accident and
death benefits. The living benefits are the partially and fully withdrawable values, subject to decreasing Surrender Charges for Top-ups (if applicable),
which are taken from the Policy's share in the separate fund(s). The Accelerated Total and Permanent Disability Benefit accelerates a percentage of the
sum assured, while the Accidental Death and Disablement Benefit is on top of the sum assured. The Death Benefit is the total of the sum assured and the
Policy’s Fund Value. Optional benefits can be attached to this product.
This product is a variable contract. The benefits, namely the partial and full withdrawal values and the actual Death Benefit at time of death, all depend on
the investment experience of separate account(s) linked to the policy. If the fund value becomes insufficient to pay for applicable charges, the policy
automatically terminates, and all benefits end. The applicable charges are explained in the Important Illustration Notes page.
THE INVESTMENT RISKS ASSOCIATED W ITH THIS PRODUCT ARE BORNE SOLELY BY THE POLICYOW NER.
If, after buying the Policy, you decide it is not suitable to your needs, simply complete and submit the appropriate form and return the
Policy Booklet with your Policy Data Page to us for cancellation within fifteen (15) days from the date you receive them. W e will refund the
Regular Premium you paid in full.

I have read and understood the disclosures and the contents of this Sales Illustration. My agent has explained to my satisfaction the principal features
of the Policy, the contents of this Sales Illustration and the manner in which the variable benefits will reflect the investment experience of the separate
account(s). I fully understand the terms and conditions of this Policy and that when buying this Policy, I am assuming all investment risks associated
with it.
I have read and understood my Investment Risk Profile in the Suitability Assessment Form and have made an assessment of my risk appetite with the
help of my agent. I have taken my Investment Risk Profile into consideration in my choice of fund allocation.
I also understand that in the event of a claim, my Policy, including any optional benefits, will terminate if the aggregate amount of claim(s) paid under
the Accelerated Total and Permanent Disability Benefit and/or Accelerated Crisis Cover Benefit and/or Accelerated Life Care Benefit is equal to the
Basic Cover (Sum Assured) under the Policy exclusive of any optional benefits.
I have been provided all relevant sales materials which have helped me assess the suitability of this product to my needs.
In addition, I understand that Pru Life UK has the right to vary the Insurance Charge, Policy Fee, Annual Management Charge, and any Rider Charge
and Extra Charge in the future, but will not do so without the prior approval of the Insurance Commission.

FIFTY YEAR OLD

Applicant-owner

FIFTY YEAR OLD

Proposed Lif e Insured

This Sales Illustration shall form part of the Insurance Contract if the Policy is issued. For more information on what constitutes the
entire Insurance Contract, please ask your servicing agent or refer to your Policy Booklet.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 2 of 9
3.2.2

PRULink Exact Protector Low Premium 10

INVESTMENT FUND OPTION

PRULink Bond Fund

The PRULink Bond Fund seeks to achieve an optimal level of income in the medium-term together with long-term capital growth
through investments in fixed income securities, and money market instruments.

PRULink Managed Fund

The PRULink Managed Fund seeks to optimize medium- to long-term capital and income growth through investment in fixed income
securities, money market instruments, and shares listed on the Philippine Stock Exchange.

PRULink Proactive Fund

The PRULink Proactive Fund seeks to optimize medium- to long-term capital and income growth with emphasis on dynamic asset
allocation by fund managers through investment in fixed income securities, money market instruments, and shares of stocks listed in the
Philippines.

PRULink Growth Fund

The PRULink Growth Fund seeks to optimize medium- to long-term capital and income growth, with an emphasis on strong capital
growth, through a greater focus of investment in shares of stocks listed in the Philippines. The Fund also invests in fixed income
securities, and money market instruments.

PRULink Equity Fund

The PRULink Equity Fund seeks to optimize medium - to long-term capital growth through investments in shares of stocks listed in the
Philippines.

PRULink Equity Index Tracker Fund*

The PRULink Equity Index Tracker Fund seeks to provide long-term capital growth by tracking the overall performance of the Philippine
Stock Exchange index (PSEi or the index). It invests, in the same allocation weight, in 30 publicly listed companies comprising the index.
It aims to provide a returm same as the performance of the PSEi. The Fund, structured as a feeder fund, invests in PRUInvest PH
Equity Index Tracker Fund Class V managed by Pru Life UK Investments.

100% PRULink Global Equity Navigator Fund – PhP Unhedged Share Class

The PRULink Global Equity Navigator Fund – PhP Unhedged Share Class (the Fund) seeks to provide a combination of income and
capital growth over the medium term by primarily investing in various equity markets around the world through exchange traded funds,
direct equities, index futures, and derivatives. Structured as a feeder fund, the Fund invests in Global Equity Navigator Fund Class D
managed by Eastspring Investments. It may also invest in fixed-income securities and money market instruments issued or guaranteed
by the US government, its agencies, and instrumentalities.

Note: The PRULink Global Equity Navigator Fund is subject to currency risks as a PhP unhedged share class.

The Fund Manager, Eastspring Investments (Singapore) Limited ("Eastspring Investments") is an ultimately wholly owned subsidiary of Prudential plc of
the United Kingdom. Eastspring Investments and Prudential plc are not affiliated in any manner with Prudential Financial, Inc., a company whose principal
place of business is in the United States of America, or with the Prudential Assurance Company, a subsidiary of M&G plc, a company incorporated in the
United Kingdom. Eastspring Investments is the asset management arm of Prudential plc in Asia, and has been managing Pru Life Insurance Corporation of
U.K.'s ("Pru Life UK") underlying funds for its unit-linked or investment-linked product portfolio since Pru Life UK pioneered the PRULink product line in
2002.

*The Fund Manager of PRULink Equity Index Tracker Fund is Pru Life UK Investments, an investment arm and a wholly-owned subsidiary of Pru Life
UK. Pru Life UK Investments is registered under the name Pru Life UK Asset Management and Trust Corporation.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 3 of 9
3.2.2

PRULink Exact Protector Low Premium 10

PROTECTION BENEFITS PAGE

Enjoy the advantage of having a comprehensive plan complete with additional protection benefit(s) which enhance(s) the PRULink Exact Protector
Low Premium 10 policy you are going to purchase.
You have chosen the benefits below:

Benefit Amount Protection Benefit

Benefit Benefit Type
(in PhP) (in PhP)

Basic Cover (Sum Assured)* Lump sum 500,000.00 500,000.00

Accelerated Total and Permanent Disability Lump Sum 400,000.00 Included in Basic Cover
Accidental Death and Disablement Lump Sum 400,000.00 400,000.00
Accelerated Life Care Benefit Lump Sum 400,000.00 Included in Basic Cover
W aiver of Premium due to Total and Permanent Disability
Waiver 65,659.00 Future Premiums
Benefit
Hospital Income - Daily Hospital Income Daily 1,000.00 365,000.00
*Your Basic Cover (Sum Assured) shall not be less than six (6) times the base annual premium for the basic cover, which is PhP 44,753.00.

For the Hospital Income Rider, no benef it amount will be paid if the claim is based on a pre-existing condition,
unless the Lif e Insured has been continuously cov ered f or twelv e (12) months f rom Ef f ectiv ity Date of the rider or the
date of last reinstatement of this Policy.

A pre-existing condition shall ref er to an injury, illness or condition which existed or was existing within the two-y ear
period prior to the Ef f ectiv ity Date of the applicable benef it or the date of last reinstatement of this Policy, whichev er
is later, and f or which the Lif e Insured has been inv estigated, diagnosed or treated or in which signs or sy mptoms hav e
manif ested and would hav e caused an ordinary prudent person to seek diagnosis, care or treatment.

If, after availing of the Hospital Income Rider, you decide that it is not suitable to your needs, you may cancel
such rider by completing and submitting the appropriate form and returning the Policy Data Page to us
within fifteen (15) days from the date you receive it. We will issue a new Policy Data Page without the rider
and refund the premium you paid pertaining to said rider in full.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 4 of 9
3.2.2

ILLUSTRATION OF BENEFITS
PRULink Global Equity Navigator Fund – PhP Unhedged Share Class

PROJECTED BENEFITS
Partial
Annual Top-up FULL WITHDRAWAL VALUE
Withdrawal Fund Allocation**
Policy Year Attained Age Premium Amount
Amount (in PhP) LOW CURRENT HIGH
(in PhP) (in PhP)
(in PhP) (4.00 %)* (6.50 %)* (10.00 %)*

1 51 69,600.00 - - 4,872.00 - - -

2 52 69,600.00 - - 20,880.00 2,283.98 2,338.94 2,415.80

3 53 69,600.00 - - 69,600.00 61,086.68 62,615.11 64,757.12

4 54 69,600.00 - - 69,600.00 121,330.71 125,877.97 132,370.38

5 55 69,600.00 - - 69,600.00 182,995.17 192,241.25 205,699.65

6 56 69,600.00 - - 69,600.00 246,084.96 261,853.30 285,261.56

7 57 69,600.00 - - 69,600.00 310,009.15 334,261.79 370,993.96

8 58 69,600.00 - - 69,600.00 375,392.51 410,254.08 464,139.35

9 59 69,600.00 - - 69,600.00 442,186.82 489,953.99 565,326.20

10 60 69,600.00 - - 69,600.00 510,304.43 573,454.97 675,206.17

11 61 - - - - 507,601.00 587,069.56 718,284.50

12 62 - - - - 502,484.39 599,208.30 763,231.66

13 63 - - - - 495,349.63 610,278.57 810,754.32

14 64 - - - - 485,962.82 620,053.99 860,947.88

15 65 - - - - 473,839.92 628,046.91 913,662.62

16 66 - - - - 462,057.86 637,404.41 972,520.74

17 67 - - - - 447,028.07 644,526.31 1,034,326.37

18 68 - - - - 428,985.24 649,640.57 1,099,759.75

19 69 - - - - 407,701.70 652,506.88 1,169,070.11

20 70 - - - - 382,486.44 652,404.14 1,242,051.16

*Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
**Fund allocation is the total allocated amount from Annual Premiums and Top-ups, and is inclusive of Loyalty Bonus, if any. Please see IMPORTANT
ILLUSTRATION NOTES page for the Premium Allocation Schedule.

The values above are based on the projected performance of the Fund linked to your Policy. Because fund performance is not guaranteed, the
values are also not guaranteed. In addition, the assumed investment returns used in projecting the LOW, CURRENT, and HIGH values represent a
range of possible returns that may be achieved by the Fund. The HIGH and LOW assumptions are only for illustration purposes and do not represent the
upper and lower limit of the actual investment return that may occur.

The HIGH and LOW investment returns, at 10.00% and 4.00%, are those prescribed by the Insurance Commission. Since historical performance is still
unavailable for PRULink Global Equity Navigator Fund – PhP Unhedged Share Class, the “CURRENT” investment return is based on the investment
return assumed during fund launch, which is a combination of past performance and expected future performance based on the Fund Manager’s
investment strategy, and not on the actual performance of the Fund.

Please refer to IMPORTANT ILLUSTRATION NOTES page for more information.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 5 of 9
3.2.2

PRULink Exact Protector Low Premium 10

ILLUSTRATION OF DEATH BENEFITS

TOTAL DEATH BENEFIT (in PhP)

Policy year Attained age LOW CURRENT HIGH
(4.00 %)** (6.50 %)** (10.00 %)**

1 51 493,628.23 493,628.23 493,628.23

2 52 502,283.98 502,338.94 502,415.80

3 53 561,086.68 562,615.11 564,757.12

4 54 621,330.71 625,877.97 632,370.38

5 55 682,995.17 692,241.25 705,699.65

6 56 746,084.96 761,853.30 785,261.56

7 57 810,009.15 834,261.79 870,993.96

8 58 875,392.51 910,254.08 964,139.35

9 59 942,186.82 989,953.99 1,065,326.20

10 60 1,010,304.43 1,073,454.97 1,175,206.17

11 61 1,007,601.00 1,087,069.56 1,218,284.50

12 62 1,002,484.39 1,099,208.30 1,263,231.66

13 63 995,349.63 1,110,278.57 1,310,754.32

14 64 985,962.82 1,120,053.99 1,360,947.88

15 65 973,839.92 1,128,046.91 1,413,662.62

16 66 962,057.86 1,137,404.41 1,472,520.74

17 67 947,028.07 1,144,526.31 1,534,326.37

18 68 928,985.24 1,149,640.57 1,599,759.75

19 69 907,701.70 1,152,506.88 1,669,070.11

20 70 882,486.44 1,152,404.14 1,742,051.16

** Investment returns used are net of final tax, Annual Management Charge and other investment expenses.
The Death Benefit is comprised of the following:
1. Sum Assured;
2. Fund Value; and
3. One hundred twenty-five percent (125%) of all Top-ups less one hundred twenty-five percent (125%) of all Withdrawals on Top-up units, but not to
fall below zero (0).
If the Life Insured is between ages 0 to 4 at time of death, only a portion of the base Sum Assured and Top-ups will be paid as Death
Benefit. For additional information on the specific percentages applicable, please consult your servicing agent or refer to the Policy
Booklet.
The values above are based on the projected performance of the fund linked to your Policy. Because fund performance is not guaranteed, the
values are also not guaranteed. In addition, the assumed investment returns used in projecting the LOW, CURRENT, and HIGH values represent a
range of possible returns that may be achieved by the fund. The HIGH and LOW assumptions are only for illustration purposes and do not represent the
upper and lower limit of the actual investment return that may occur.
The HIGH and LOW investment returns meet the requirements prescribed by the Insurance Commission. The illustrated "CURRENT" investment return
for PRULink Bond Fund, PRULink Managed Fund, PRULink Growth Fund, PRULink Equity Fund, and PRULink Proactive are based on the actual
average investment return experienced by the Funds in the last thirty-six (36) months, as indicated in the HISTORICAL UNIT FUND PERFORMANCE
page, except that if the average exceeds the HIGH rate, the illustrated investment return is capped at the HIGH rate. Since historical performance is still
unavailable for PRULink Equity Index Tracker Fund and PRULink Global Equity Navigator Fund – PhP Unhedged Share Class, the "CURRENT"
investment return is based on the investment return assumed during fund launch, which is a combination of past performance and expected future
performance based on the Fund Manager's investment strategy, and not on the actual performance of the Fund.
Any outstanding policy debt shall be deducted from the death benefits/supplemental benefits.
When the Fund Value is no longer sufficient to pay for the Policy Fee, Insurance Charge, Rider Charge (if any), or other applicable charges (including
any policy debt), the Policy automatically terminates and all benefits end on the day any such charges are due. In such an event, the remaining balance of
your units which are no longer sufficient to pay off outstanding charges will just be refunded to you.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 6 of 9
3.2.2

PRULink Exact Protector Low Premium 10

IMPORTANT ILLUSTRATION NOTES

1. The Regular Premium Allocation Schedule below shows the percentage of your Regular Premium that is invested in your chosen fund in a particular
year.

Premium
Policy Year
Allocation
1 7%
2 30%
3 100%
4 100%
5 up to premium payment term 100%
The remaining percentage of the Regular Premium that is not invested in your chosen fund per Policy Year is applied as Premium Charge.
2. The projected benefits on the ILLUSTRATION OF BENEFITS page are already net of charges, as specified below. These charges may vary.
a. Annual insurance charge, inclusive of premium tax and Documentary Stamp Tax, which starts at PhP 6.64 per 1,000 of the sum assured. All top-ups
shall also be subject to insurance charge. While the insurance charge is quoted at an annual rate, deductions from the fund shall be made monthly.
Rider charges, if any, are also deducted each month. Monthly deductions may change within one Policy Year as monthly insurance charges and rider
charges are based on the attained age of the Proposed Life Insured.
b. Policy Fee, deducted monthly from the total fund, amounting to PhP 33.33, if within the premium paying period and PhP 16.67 after the premium paying
period. The Policy Fee is guaranteed not to exceed PhP 50.00 per month.
The annual Insurance Charge, Rider Charge (if any) and Policy Fee are to be deducted proportionately based on the particular fund’s
share in the Policy’s total Fund Value. It may happen that the LOW and CURRENT, or CURRENT and HIGH investment returns are the
same for a particular fund, but their year-on-year full withdrawal values differ, because these charges are allocated to each fund based
on the weight of the fund to the Policy’s total Fund Value.
c. Annual Management Charge (AMC) of:
Fund AMC Maximum AMC
PRULink Bond Fund 1.53% 2.00%
PRULink Managed Fund 1.79% 2.00%
PRULink Proactive Fund 2.25% 2.50%
PRULink Growth Fund 2.25% 2.50%
PRULink Equity Fund 2.25% 2.50%
PRULink Money Market Fund 0.50% 1.50%
PRULink Equity Index Tracker Fund 1.75% 2.00%
PRULink Global Equity Navigator Fund - PhP Unhedged Share Class 2.25% 2.50%
The rates are guaranteed not to exceed the maximum AMC.
d. For fund withdrawals on Top-ups, a Surrender Charge will be applied based on the amount withdrawn, at the following rates: 5% on the first Policy
Year, 4% on the second Policy Year, 3% on the third Policy Year, 2% on the fourth Policy Year, and 1% on the fifth Policy Year. The Policy Year will be
counted from the date the Top-up is made.
3. All Top-ups shall be subject to an initial charge of 3% of the top-up amount.
4. The Loyalty Bonus is available only for the 15-pay variant.
5. The Fund Value may run out due to Partial Withdrawals, deduction of charges and/or extreme market volatility. If the Fund Value is no longer sufficient to
pay for the Policy Fee, Insurance Charge, Rider Charge (if any), or other applicable charges (including policy debt), the Policy automatically terminates
on the day any such charges are due, subject to Note 5.b below. In such an event, the remaining balance of your units which are no longer sufficient to
pay off outstanding charges will just be refunded to you. You may make a top-up, subject to existing rules and regulations, to keep the fund value sufficient
and your policy in force.
5. a. If Full Withdrawal Value is positive from Year 1: the Fund has no policy debt. The rest of Note 5 does not apply.
5. b. If Full Withdrawal Value is zero (0) in the early years: when Full Withdrawal Value is zero (0), the Fund Value may be insufficient to cover the charges.
To provide you with the insurance coverage(s), we shall create a policy debt corresponding to the monthly charges while there is no Fund Value, provided
that premiums are paid on time and there are no Fund Withdrawals. This policy debt, accumulated in your account without interest, is extinguished, if, and
as, the Fund Value grows. The Policy will not be terminated on account of an outstanding policy debt within the first three (3) years, provided that
premiums are paid on time and there are no withdrawals from your account.
6. Values illustrated on ILLUSTRATION OF BENEFITS page assume that all premiums are paid in full when due and as planned with no premium holiday,
and that the current scale of charges remain unchanged.
7. Top-ups are made at the beginning of the Policy Year, and partial withdrawals are made at the end of the Policy Year.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 7 of 9
3.2.2

8. Partial Withdrawals are funded by selling the number of units in your Fund that will cover the amount of your Partial Withdrawals. Partial withdrawals will
first be drawn from the units in accordance with the order of regular premiums and/or top-ups paid, on a first-in, first-out basis. No Surrender Charges
will be applied on the portion of Partial Withdrawal drawn from units created from regular premiums. Surrender charges will only be applied to the portion
of the partial withdrawals drawn from the units created from the top-ups where the percentage applied will be based on item 2.d. The Surrender Charges
shall be based on the Policy Year counted from the date the Top-up is made. Because the performance of the fund is not guaranteed, the sufficiency of the
fund value to support your partial withdrawal is also not guaranteed.
9. Values illustrated on ILLUSTRATION OF BENEFITS page are Full Withdrawal Values net of withdrawals plus Top-ups. If full withdrawal value is
withdrawn, your Policy automatically terminates, and all future withdrawals no longer apply.

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 8 of 9
3.2.2

PRULink Exact Protector Low Premium 10

VARIABLE LIFE INSURANCE PLAN

HISTORICAL UNIT FUND PERFORMANCE
The actual returns from Pru Life UK’s unit funds, net of final tax, Annual Management Charge, and other investment expenses, are shown below. Please
note that past performance is not necessarily indicative of the future or likely performance of the funds.

Global
Equity
Navigator
Money Equity Index Fund -
Bond Managed Growth Equity Proactive
Fund Name Market Tracker PhP
Fund Fund Fund Fund** Fund
(Fund Launch Date) Fund Fund Unhedged
(Sep. 24, 2002) (Sep. 24, 2002) (Jul. 22, 2005) (Jul. 19, 2005) (Feb. 17, 2009)
(Feb. 17, 2009) (Aug. 24, 2020) Share
Class
(Nov. 08,
2021)

2012 7.44 % 9.15 % 27.85 % 39.65 % 11.55 % -0.51 % N/A N/A

2013 6.52 % 5.20 % 1.39 % -0.72 % 3.21 % -0.80 % N/A N/A

2014 2.28 % 4.18 % 17.22 % 24.88 % 6.83 % -0.39 % N/A N/A

2015 -0.24 % -1.69 % -4.37 % -4.69 % -4.18 % 0.10 % N/A N/A

2016 0.96 % -0.06 % -1.79 % -1.96 % -1.84 % 0.32 % N/A N/A

2017 -1.29 % 4.41 % 19.27 % 23.42 % 13.01 % 0.84 % N/A N/A

2018 -6.32 % -8.40 % -12.83 % -13.82 % -11.33 % 1.56 % N/A N/A

2019 17.92 % 14.76 % 6.30 % 3.99 % 9.93 % 3.42 % N/A N/A

2020 8.98 % 6.22 % -4.49 % -8.59 % 1.30 % 1.73 % 23.25 %* N/A

2021 -4.91 % -4.13 % -1.24 % 0.05 % -3.12 % 0.75 % -0.75 % 2.05 %*

Compound Annual
Investment Return based
5.90 % 6.67 % 8.20 % 9.65 % 6.82 % 0.89 % 15.19 % N/A
on completed years
(since fund launch)

Average Annual
Investment Return for
the last 36 months 7.33 % 5.62 % 0.19 % 0.00 %*** 2.70 % 1.96 % N/A N/A
preceding December
31, 2021
* Returns are from fund inception date and not full year returns.
** The Equity Fund served as an underlying fund of the Managed and Growth Fund prior to Equity Fund's launch date.
*** Equity Fund has an interest rate floor at zero percent (0%).
The assets in our unit funds are valued on a daily basis using the marked-to-market valuation method.
The unit prices of Pru Life UK’s unit funds are published every Friday on major newspapers, or you may log on to our website www.prulifeuk.com.ph for
the latest unit prices.

Certified true and correct:

Francis P. Ortega
EVP and Chief Financial Officer
Date of Certification: January 18, 2022

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

 Page 9 of 9
3.2.2

PRULink Exact Protector Low Premium 10

VARIABLE LIFE INSURANCE PLAN

ACKNOWLEDGEMENT OF VARIABILITY AND UNDERSTANDING

Applicant's Name : FIFTY YEAR OLD

Application Number :
Agent's Name : ANTONIETTE SAMANTHA ARAGONES NACION
Agent's Code : 70136821
Agent's Unit :

I acknowledge that:
I have applied with Pru Life UK for a Variable Life Insurance Policy and have reviewed the illustrations that show how a life insurance
policy could perform using Pru Life UK's assumptions and based on the Insurance Commission's guidelines on investment returns.
I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual
performance at any given period and that the value of my Policy could be less than the capital invested. The unit values of my Variable
Life Insurance Policy are periodically published.
I understand that the investment risks under the Policy are to be borne solely by me, as the Policyowner.
I confirm that:
a. I have been furnished with copies of the Sales Illustration/Quotation Proposal, Product Highlight Sheet, and any other relevant
sales materials ("Materials");
b. The Materials have been properly, completely and satisfactorily explained to me; and
c. I have fully understood the Materials.
I hereby declare that I accept, agree with, and understand the features, benefits, nature, limitations, exclusions, risks, terms and
conditions of the Policy that I am applying to purchase.

FIFTY YEAR OLD

Applicant's signature over printed name

Date

Presented by : ANTONIETTE SAMANTHA ARAGONES NACION Agent code : 70136821

Presented to : FIFTY YEAR OLD Agent signature :

This Sales Illustration prepared on is valid until 8/8/2023

PRULink Exact Protector PRODUCT HIGHLIGHT SHEET
This document provides you with key information about PRULink
Product description: PRULink Exact Protector is a variable life insurance Exact Protector but does not form part of the Policy Contract. You
product with short-term payment options that offers living, disability, and should not invest in this product based on this document alone.
death benefits through its protection and investment components. Please consult your insurance agent/broker for further information
and/or a customized proposal.
Entry age 0-70 years old

5 year-pay: PhP 50,000/USD 900 Loyalty bonus: Provides additional allocation equivalent to 10% (for
Payment term and 7 year-pay: PhP 50,000/USD 825 peso plan) and 5% (for dollar plan) of the regular premium starting
Minimum premium 10 year-pay: PhP 22,000/USD 675 on the 11th year through the 15th year of the Policy subject to
15 year-pay: PhP 22,000/USD 600 conditions. This benefit is available for the 15year-pay variant only.

Payment mode Annual, semi-annual, quarterly, or monthly Maturity benefit: This is given when you outlive your Policy (at age
100). This will be equal to the sum assured + fund value.
Benefit Term Up to age 100
Optional benefits: Riders or optional benefits can be attached to the
Premium allocation PEP 5 PEP 7 PEP 10 PEP 15 plan which will cover the Life Insured against disability, accident,
(Percentage of Year 1 10% 10% 7% 0% critical illness, and hospitalization.
regular premium that Year 2 45% 45% 30% 45%

is invested based on Year 3 100% 100% 100% 75%

AVAILABLE TRANSACTIONS TO POLICYOW NER:
year of premium Year 4 100% 100% 100% 100%
Year 5
payment) 100% 100% 100% 100%
onwards
Top-up: It is a one-off payment which may be done anytime with the
goal of increasing the fund value. It also provides additional
Varies depending on the attained age of the
insurance coverage equivalent to 125% of the top-up amount. Top-
Life Insured and is deducted monthly from
Insurance charge ups are subject to 3% initial charge.
the fund value (applicable even after full
payment of the Policy)
Fund switch: It is the transfer of a fraction or the whole fund value of
Current fund management fee which ranges the fund to another fund, subject to a fund switch charge of 1% of
Annual management the switched amount, in excess of the one (1) free switch per year.
from 0.5% to 2.25% depending on the type of
charge
fund
Partial withdrawal: It is a fractional amount that you may take out
Premium payment period: PhP 400/year or from the fund value to meet your urgent cash requirements, subject
33.33/month (USD 0.67/month) to surrender charges of -5%- 4%-3%- 2%-1% for the first five
Policy Fee years, respectively, counted from the time the top-up was made, on a
After premium payment period: PhP 200/year first-in, first-out basis. Surrender charges apply only to withdrawal
or 16.67/month (USD 0.34/month) of units created by top-ups.

Wide array of funds which invest in bonds, Full withdrawal: Buying a limited-pay unit-linked insurance plan is
Available funds
equities, or both a long-term commitment. It is not advisable to hold this Policy for a
short period of time in view of the high initial costs. Nonetheless,
Eastspring Investments (Singapore) Limited you can apply to fully withdraw (surrender) your Policy at any time.
Fund manager
and Pru Life UK Investments This however results to the cancellation of your Policy. The full
withdrawal value consists of the value of the units in the Policy less
PRODUCT BENEFITS: the surrender charge, if any. We pay you the value of the units in the
Policy by selling all the units allocated to your Policy after
Death benefit: Sum assured + fund value + Additional Term Rider accepting your application.
sum assured (up to age 75, if attached) + 125% of top- ups – 125%
of withdrawals on the top-up units – policy debt (if any) EXCEPTIONS AND EXCLUSIONS:

Accelerated Total and Permanent Disability (ATPD): Advances the ADD coverage: ADD sum assured subject to the maximum amount
sum assured upon total and permanent disability payable by the Company will be given if the death, loss, or
disablement is not sustained or contracted, in whole or in part, in
Accidental Death and Disablement (ADD): Provides for the payment any of the circumstances specified in the Policy Contract.
of the benefit in the case of the Life Insured’s accidental death, or a
portion of the benefit in the case of accidental disablement ATPD Coverage: ATPD sum assured of up to 100% of the base
plan sum assured will be paid if total and permanent disablement is
Fund value: This refers to the worth of the Policy in peso or dollar not due to any of the circumstances specified as exclusions in the
based on the number of units multiplied by the unit price per chosen Policy Contract. Waiting period is 180 days (6 months) of
fund and its aggregate. continuous (uninterrupted) period of disability.

Note: This material does not form part of the sales illustration and Policy Contract. It serves as a leave-behind to aid the client in making a buying decision.
 Child’s Lien: When the Life Insured is aged zero to four (0- 4), only Partial withdrawals reduce the fund value of the Policy. Substantial
a certain percentage of the sum assured will be paid, according to withdrawals may lead to the depletion of the fund value which may
the following: eventually lead to the termination of the Policy.

Age of Percentage of sum In general, the Policy will terminate upon death or full withdrawal of the
death assured fund value, or when there are not enough units in the Policy to pay for
0 10% the charges.
1 20%
As a variable life insurance product, the Policyowner must understand
2 40% and realize that the product is subject to certain risks, which could
3 60% affect the account or fund value of the whole VUL Policy.
4 80%
DEFINITION OF RISKS:
Claims: In general, death claims are not payable when there is
fraud, misrepresentation, and/or concealment in the application of Investment Risk: refers to the probability of losses relative to the
the Policy. expected return on any particular asset primarily caused by, but not
limited to, decline in market value, weakness of the economy, and/or
Cooling-off: You have fifteen (15) days upon receipt of the Policy risks related to the country it is invested.
Contract to return it to us. The amount refundable is equivalent to
the total premiums paid. Credit Risk: This risk refers to the probability that a counterparty to
an investment may not be able to fulfill its obligations, accordingly,
Incontestability: The Policy cannot be contested after it has been in resulting in an adverse effect on the value of a money market or debt
force during the lifetime of the Life Insured for two (2) years from security such as a bond.
the Policy Effectivity Date or from the date of last reinstatement, if
any. Currency Risk (or Foreign Exchange Risk): This risk refers to the
probability of the occurrence of losses due to fluctuations in foreign
Loyalty bonus: Available for 15 year-pay variant only. exchange rates. Currency exchange rates depend on a variety of
global and local factors such as interest rates, economic
Suicide: The death benefit is not payable if death is caused by performance, and political developments. The value of an
suicide within the first two (2) years of the Policy, unless the suicide investment held in foreign currency, such as the US Dollar, may
was committed in the a of insanity. decrease and incur loss when the local currency or Philippine Peso
appreciates.
This list is non-exhaustive. Please refer to the Policy Contract for more
details about the major exclusions under this Policy.
Interest Rate Risk: This risk refers to the possibility that the value
IMPORTANT PRODUCT DISCLOSURES: of an investment in a debt instrument may rise or fall due to
changes in interest rates. Interest rate changes may affect the
The fund value is dependent on the performance of the fund/s; prices of debt instruments such as bonds inversely, i.e. as interest
therefore, it is not guaranteed. rates rise, bond prices fall and when interest rates decline, bond
prices rise.
The performance of the investment funds associated with this
insurance product is valuated every day. You may visit our website Liquidity Risk: This risk refers to the possibility of the occurrence
www.prulifeuk.com.ph if you want to track the unit price on a daily of losses due to the inability to sell or convert assets into cash
basis. The unit price is also published every Friday in major dailies. immediately or in instances where conversion to cash is possible
but at a loss. This risk occurs when certain securities may be
If you fail to pay the premium, you are given thirty-one (31)- days difficult or impossible to sell at a particular time, which may prevent
from your due date to make such payment (also called as grace the Company from performing redemption services for
period). If no payment was received after the grace period, your Policyowners.
Policy may still remain in force if the amount of fund value in your
Policy is sufficient to pay for the charges. Otherwise, the Policy will Mark-to-Market Risk: This risk refers to the probability that the
lapse and all of your benefits will cease. market value of an investment will rise or fall based on overall
market conditions. The value of the market can vary with changes in
In remote cases during extreme market volatility, the Policyowner the general economic and financial conditions as well as political,
may be asked to make top-up payments to ensure that the Policy will social and environmental factors.
remain in force (applicable even for fully paid policies).

Note: This material does not form part of the sales illustration and Policy Contract. It serves as a leave-behind to aid the client in making a buying decision.
CHOOSING THE PRULINK FUNDS THAT SUITS YOU
Your insurance comes with an investment. It is important to carefully select a fund that matches your financial goals and your capacity to take risks.

Suitable PRULink Funds Based on Investment Risk Profile

Investment Risk Profile
Peso denominated US Dollar denominated
Conservative PRULink Money Market Fund PRULink US Dollar Bond Fund
Your primary goal is to preserve your capital and PRULink Bond Fund
you prefer to take less risk. You also understand
and accept that potential returns may not always
beat inflation.
Moderate PRULink Money Market Fund PRULink US Dollar Bond Fund
Your primary goal is growth of capital in the long- PRULink Bond Fund PRULink Asian Local Bond Fund
term. To achieve this potential, you should be PRULink Managed Fund PRULink Cash Flow Fund
willing to accept an increased level of investment PRULink Cash Flow Fund (PhP-hedged share PRULink Asian Balanced Fund
volatility and potential capital loss. class)
PRULink Cash Flow Fund Plus (PhP-hedged
share class)
Aggressive PRULink Money Market Fund PRULink US Dollar Bond Fund
Your primary goal is to achieve significant return PRULink Bond Fund PRULink Asian Local Bond Fund
on your capital in the long term. To realize this PRULink Managed Fund PRULink Cash Flow Fund
potential, you should be willing to accept high PRULink Cash Flow Fund (PhP-hedged share PRULink Asian Balanced Fund
level of investment volatility and potential capital class) PRULink Asia Pacific Equity Fund
loss. PRULink Cash Flow Fund Plus (PhP-hedged PRULink Global Emerging Markets Dynamic
share class) Fund
PRULink Proactive Fund
PRULink Growth Fund
PRULink Equity Index Tracker Fund
PRULink Equity Fund
PRULink Global Market Navigator Fund
PRULink Global Equity Navigator Fund

The profile descriptions are only illustrative and outline the common traits of individuals with the corresponding investment risk profiles for reference.
The investment risk profiling should not be considered as a recommendation for the selection of the specific fund(s).

Available funds may vary based on the chosen product.

IMPORTANT NOTE:

THIS IS AN INSURANCE PRODUCT THAT IS TIED TO THE PERFORMANCE OF THE UNDERLY ING ASSETS
AND IS NOT A PURE INVESTMENT PRODUCT SUCH AS UNIT TRUSTS. Y OU MUST EVALUATE Y OUR OPTIONS
CAREFULLY AND ENSURE THAT THE INVESTMENT-LINKED INSURANCE PLAN CHOSEN MEETS Y OUR RISK
APPETITE, AND THAT Y OU CAN AFFORD THE PREMIUM THROUGHOUT THE POLICY DURATION. Y OU CAN
MAKE TOP-UPS TO INCREASE THE FUND VALUE OF Y OUR PLAN SUBJECT TO THE COMPANY 'S GUIDELINES
FOR SUCH TRANSACTION. Y OU SHOULD READ AND UNDERSTAND THE INSURANCE POLICY AND
DISCUSS WITH THE AGENT OR CONTACT THE INSURANCE COMPANY DIRECTLY FOR MORE INFORMATION.
IT IS IMPORTANT THAT ANY RECEIPT THAT Y OU RECEIVE SHOULD BE KEPT AS PROOF OF PAY MENT OF
PREMIUMS.

Note: This material does not form part of the sales illustration and Policy Contract. It serves as a leave-behind to aid the client in making a buying decision.