Yes. OFWs must be physically present in the Philippines to sign the contract. Regulations currently require this step to finalize the policy. A licensed advisor like Tita Malou can pre-qualify you while you're abroad and finalize your coverage once you're home.

For sustainability and growth, choose both. A VUL (investment–linked) plan provides life protection plus global fund growth. Yet for a lower-cost entry, standalone life insurance is also effective and may suit your budget better at first

It depends on your income, family size, debts, and future goals. A good starting benchmark is coverage equivalent to 5–10x your annual income—but a proper assessment by Tita Malou will help you tailor a plan that meets your unique needs.

Term or whole life plans: If you miss a premium, coverage may lapse unless you settle it within a grace period.

VUL: It has a fund value that can sustain costs for a while, but a prolonged lapse can reduce coverage or deplete your fund value

Yes—Pru Life UK supports flexible payment options. You can start monthly and switch to quarterly or yearly as needed. You can also adjust these modes later through PRUAccess or with your advisor’s help.