PRULifetime Income
A limited-pay whole life participating plan that provides guaranteed cash payouts starting at the END of the 6th policy year and every year after — for life — PLUS a 200% sum assured death benefit.
“What if you could retire with a guaranteed paycheck every year — for life? Not a dream. This is real.”
Most Filipinos have no guaranteed retirement income. When savings run out, they become financially dependent on their children. PRULifetime Income provides a stream of cash that arrives every year — regardless of markets — until age 100.
Why PLI
Key Benefits
Guaranteed Payouts Starting Year 6
Starting at the end of your 6th policy year, you receive a guaranteed lump sum cash payout every year — for as long as you live, up to age 100.
200% Death Benefit
Your beneficiaries receive 200% of the Sum Assured plus accumulated dividends if you pass away before age 100. Minimum SA: ₱250,000.
200% Maturity Benefit at Age 100
If you're alive at policy maturity, you receive 200% of your Sum Assured plus all accumulated dividends and payouts — a full windfall.
Non-Guaranteed Dividends on Top
Annual dividends are payable from the 3rd policy year. Current dividend accumulation rate: 4.00%. These compound on top of your guaranteed payouts.
Pay for Only 5 or 10 Years
Choose your premium payment term — 5 years or 10 years — then receive payouts for life. Pay once, earn forever.
Policy Loan Up to 80% of Cash Value
Need cash fast? Access up to 80% of your accumulated cash value as a policy loan without terminating your plan.
This Is For You
Is PLI Right For You?
Individuals who want GUARANTEED income (not market-dependent)
Those planning for retirement who want certainty over market exposure
Parents who want to leave a 200% death benefit to their children
Business owners who want to plan around volatile income periods
Anyone who wants cash payouts starting in as early as 6 years
Families who want guaranteed education fund triggered on year 6
Plan Details
Quick Specs
Product Type
Limited-Pay Whole Life Participating Traditional Plan
Payment Term
5 years or 10 years
Issue Age
0 to 60 years old (insured); policyowner must be 18+
Entry Point
₱250,000
Death Benefit
200% of Sum Assured + accumulated dividends — less any outstanding policy loans
Benefit Until
Up to age 100
Currency
Philippine Peso
Optional Riders (5)
“Start receiving cash payouts in as early as 6 years. No stock market. No gamble. GUARANTEED.”
“Paano mo malalaman kung may pera kang natitira pagkatapos mag-retire? Ang sagot ay PRULifetime Income.”
Book a Complimentary Consultation
Speak with a licensed BSQ · PRU Life UK advisor about PLI. No cost, no obligation — just honest, expert guidance.
Next Step
Ready to learn more about
PRULifetime Income?
Talk to a licensed BSQ · PRU Life UK advisor. Free consultation, no commitment.
PRULifetime Income is underwritten by PRU Life Insurance Corporation of UK. All product details are for informational purposes only. Benefits are subject to policy terms and conditions, eligibility, and underwriting approval. Brilliant Star Quartz (BSQ) is a tied-branch and area of PRU Life UK with its headquarters located at PRU House, Ortigas Center, Pasig City.