PRULove for Life
A limited-pay whole life participating traditional plan that provides guaranteed lifetime protection coverage with living benefits (cash values + non-guaranteed dividends) and a 100% Sum Assured death benefit.
“Mahal mo ang pamilya mo. Ipakita — with a guaranteed plan that pays them 100% when you're gone.”
Many Filipinos want a simple, guaranteed life insurance plan without market exposure — one they can pay off quickly, then keep for life. PRULove for Life is the traditional answer: guaranteed coverage, accumulating cash values, and dividends that grow over time.
Why PLfL
Key Benefits
Guaranteed Lifetime Protection
Your 100% Sum Assured death benefit is guaranteed for life — not dependent on fund performance. Minimum SA: ₱500,000.
Pay for 5, 10, 15, or 20 Years — Covered Forever
Choose how long you'd like to pay premiums. After your payment term ends, your policy stays active and covered until age 100 — automatically.
Non-Guaranteed Annual Dividends
Earn annual dividends starting from your 3rd policy year. Current dividend accumulation rate: 4.00%. Dividends can be taken in cash, applied to premiums, or left to compound.
Withdrawable Cash Values
Your policy builds cash values from Year 2. These are YOUR money — withdraw or borrow up to 80% as a policy loan without terminating coverage.
100% Maturity Benefit at Age 100
If you're alive at policy maturity (age 100), you receive 100% of your Sum Assured plus all accumulated dividends — a guaranteed windfall for you.
Riders for Total Protection
Customize with critical illness, hospital income, disability, and accident riders for a comprehensive financial shield.
This Is For You
Is PLfL Right For You?
Risk-averse individuals who prefer guaranteed traditional insurance
Parents who want to leave a guaranteed inheritance to their children
Those who want to pay for a limited time (5, 10, 15, or 20 years) then stop
Individuals who want a plan that builds cash values they can borrow against
Those who value dividend income from a participating plan
Anyone who wants simple, predictable, guaranteed whole life coverage
Plan Details
Quick Specs
Product Type
Limited-Pay Whole Life Participating Traditional Plan
Payment Term
5, 10, 15, or 20 years
Issue Age
5/10-year pay: 0 to 60 years old | 15/20-year pay: 0 to 55 years old (policyowner must be 18+)
Entry Point
₱500,000
Death Benefit
100% of Sum Assured + accumulated non-guaranteed dividends — less any outstanding policy loans
Benefit Until
Up to age 100
Currency
Philippine Peso
Optional Riders (8)
“Pay for only 10 years. Your family is protected for LIFE. That's the promise of PRULove for Life.”
“No stock market risk. No guessing. Just guaranteed whole life protection for your loved ones.”
Book a Complimentary Consultation
Speak with a licensed BSQ · PRU Life UK advisor about PLfL. No cost, no obligation — just honest, expert guidance.
Next Step
Ready to learn more about
PRULove for Life?
Talk to a licensed BSQ · PRU Life UK advisor. Free consultation, no commitment.
PRULove for Life 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.