Choose the Right Plan for Your Needs
Let Tita Malou help you find a life insurance plan that fits your budget, goals, and future—without the confusion.
🛡️ PRULifetime Income (China Gold 2 Equivalent)
What It Is: A limited‑pay, whole-life participating insurance plan offering lifetime coverage until age 100. It includes 5% guaranteed annual payouts from year 6 and a 200% sum assured for rightful beneficiaries. Payable over just 5 or 10 years.
Who It Serves: Ideal for parents saving for education, professionals planning retirement, and individuals aiming to leave a legacy.
☂️ Term & Whole Life Plans
What They Are:
Term Life: Affordable, fixed coverage for a set time—perfect for debt protection or family support.
Whole Life: Lifetime insurance that grows in value and provides peace of mind no matter what.
Why It's Useful: Offers flexibility with term, cost-efficiency, and lifelong protection when you need it most.
📈 Investment‑Linked Plans (VUL)
What It Is: Combines life insurance with global fund investment options such as PRULink and PRUMillion series. Offers flexibility in premium amount and investment direction.
Why It Matters: This plan helps grow wealth over time while keeping your family protected—especially useful if you're aiming for long-term goals like travel, business, or retirement.
❤️ Health & Critical Illness Riders
What they are: Optional add-ons you can attach to your base plan for extra protection:
PRUHealth FamLove: Covers moderate and severe critical illnesses and can share coverage among up to 3 family members. No medical exam required.
PRUDengue MedCare / Pro: Affordable short-term protection against dengue, with benefits for diagnosis and hospital/death caused by dengue.
PRUHealth Prime: Investment-linked health coverage for cancer—including 50% payout upon early stage diagnosis—and hospitalization expense support.
Choose the Right Plan for Your Needs
Let Tita Malou help you find a life insurance plan that fits your budget, goals, and future—without the confusion.
🛡️ PRULifetime Income (China Gold 2 Equivalent)
What It Is: A limited‑pay, whole-life participating insurance plan offering lifetime coverage until age 100. It includes 5% guaranteed annual payouts from year 6 and a 200% sum assured for rightful beneficiaries. Payable over just 5 or 10 years.
Who It Serves: Ideal for parents saving for education, professionals planning retirement, and individuals aiming to leave a legacy.
☂️ Term & Whole Life Plans
What They Are:
Term Life: Affordable, fixed coverage for a set time—perfect for debt protection or family support.
Whole Life: Lifetime insurance that grows in value and provides peace of mind no matter what.
Why It's Useful: Offers flexibility with term, cost-efficiency, and lifelong protection when you need it most.
📈 Investment‑Linked Plans (VUL)
What It Is: Combines life insurance with global fund investment options such as PRULink and PRUMillion series. Offers flexibility in premium amount and investment direction.
Why It Matters: This plan helps grow wealth over time while keeping your family protected—especially useful if you're aiming for long-term goals like travel, business, or retirement.
❤️ Health & Critical Illness Riders
What they are: Optional add-ons you can attach to your base plan for extra protection:
PRUHealth FamLove: Covers moderate and severe critical illnesses and can share coverage among up to 3 family members. No medical exam required.
PRUDengue MedCare / Pro: Affordable short-term protection against dengue, with benefits for diagnosis and hospital/death caused by dengue.
PRUHealth Prime: Investment-linked health coverage for cancer—including 50% payout upon early stage diagnosis—and hospitalization expense support.
How does it work?
Getting started with your financial journey doesn’t have to be complicated. With Tita Malou, it’s simple, personal, and pressure-free.
Book a Free Chat
No pressure—just a friendly talk to understand your goals.
Get a Personalized Plan
Pick from tailored options.
Start Securing Your Future
Once you're ready, she’ll help you apply and stay with you every step of the way.
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Frequently Asked Questions
1. Can OFWs purchase Pru Life UK policies while working abroad?
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.
2. Should I pick insurance only or combine it with investment?
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
3. How much coverage do I actually need?
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.
4. What if I lose my job or miss a payment?
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
5. Can I pay monthly, quarterly, or annually? Can I adjust later?
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.
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