PRULink Assurance Account Plus
A regular-pay Variable Unit-Linked (VUL) life insurance plan that combines life protection with market-linked investment — available in Peso and Dollar — with one of the most affordable entry points in the PRU Life UK lineup.
“Hindi lang insurance. Hindi lang investment. It's BOTH — for as low as ₱2,500/month.”
Many Filipinos want to invest but don't know where to start, or they have insurance but no investment. PAA Plus solves both problems in one plan — you get life protection today AND your money grows through professional fund management.
Why PAA Plus
Key Benefits
Protection + Investment in One
Your premium buys life insurance protection AND invests your money in professionally managed funds — equity, bonds, balanced, or money market.
Loyalty Bonus: Free Units Years 11–20
Pay consistently for 10 years and earn an EXTRA 10% (Peso) or 5% (Dollar) allocation on Years 11–20 — meaning your premiums buy more units as a loyalty reward.
Death Benefit: Coverage + Fund
Your beneficiaries receive your Sum Assured PLUS the full value of your investment fund — giving your family both immediate protection and accumulated wealth.
Multiple Investment Fund Options
Choose from 8 Peso funds and 5 Dollar funds — from conservative (money market, bond) to aggressive (equity, growth) — and switch between them based on market conditions.
Comprehensive Health & Accident Riders
Add critical illness (36 conditions), hospital income, surgical reimbursement, ICU benefit, and personal accident coverage for total financial protection.
Peso and Dollar Options
Available in both Peso and Dollar — perfect for OFWs who earn in foreign currency and want to invest in dollar-denominated funds.
This Is For You
Is PAA Plus Right For You?
First-time insurance buyers starting their financial journey
Young professionals (mid-20s to early 40s) building wealth
Those who want to invest regularly through insurance
OFWs who want a Dollar-denominated plan
Families who want both protection AND savings
Those who want flexibility to switch between investment funds
Starting with as low as ₱30,000/year (Peso) or USD 580/year (Dollar)
Plan Details
Quick Specs
Product Type
Regular-Pay Variable Unit-Linked (VUL) Life Insurance
Payment Term
Regular pay (whole life to pay, up to age 100)
Issue Age
0 to 70 years old
Entry Point
Peso: ₱30,000/year regular (₱20,000 low premium) | Dollar: USD 580/year
Death Benefit
Sum assured + fund value + 125% of top-ups (less 125% of withdrawals)
Benefit Until
Up to age 100
Currency
Philippine Peso and US Dollar
Optional Riders (14)
“Your savings account earns 0.5%. Your PRULink fund can earn so much more. Start with ₱30,000/year.”
“OFW ka? Start investing in USD. Protect your family while your dollar fund grows.”
Book a Complimentary Consultation
Speak with a licensed BSQ · PRU Life UK advisor about PAA Plus. No cost, no obligation — just honest, expert guidance.
Next Step
Ready to learn more about
PRULink Assurance Account Plus?
Talk to a licensed BSQ · PRU Life UK advisor. Free consultation, no commitment.
PRULink Assurance Account Plus 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.