Exactprotector5 15k Kenneth 1o6x6l

Page 1 of 7 EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

PruLink Exact Protector 5 is a five-pay variable life insurance product that provides living, disability and death benefits. The living benefits are the partially and fully withdrawable values which are taken from the policy's share in the separate fund(s). The Total and Permanent Disability benefit accelerates a percentage of the sum assured. The death benefit is the total of the sum assured and the policy's full withdrawal value. Optional Benefits can be attached to this product.

Proposed Insured

: DAN KENNETH J. ALBERTO

Age

: 29

Sex

: Male

Regular Annual

: PHP 180,000.00

Sum Assured

: PHP 1,000,000.00

Accelerated Total and Permanent Disability Benefit

: PHP 800,000.00

This product is a variable contract. The benefits, namely the partial and full withdrawal values and the actual death benefit at time of death, all depend on the investment experience of separate (s) linked to the policy. If the fund value becomes insufficient to pay for applicable charges, the policy automatically terminates, and all benefits end. The applicable charges are explained in the Illustration of Benefits for each fund. THE INVESTMENT RISKS ASSOCIATED WITH ARE BORNE SOLELY BY THE POLICYOWNER.

THIS

PruLink Bond Fund

PRODUCT

The PruLink Bond Fund seeks to achieve an optimal level of income in the medium term together with long term capital growth through investments in fixed income securities and money market instruments.

If, after buying the policy, you decide it is not suitable to your needs, simply return the Policy Booklet with your Policy Data Page to us within 15 days from the date you receive them. We will refund the you paid in full.

PruLink Managed Fund

The PruLink Managed Fund seeks to optimize medium to long term capital and income growth through investment in fixed income securities, money market instruments and shares listed on the Philippine Stock Exchange.

I have read and understood the disclosures in this Sales Illustration . My agent has explained to my satisfaction the principal features of the policy and the manner in which the variable benefits will reflect the investment experience of the separate (s). I fully understand that when buying this policy, I am assuming all investment risks associated with it.

PruLink Growth Fund

The PruLink Growth Fund seeks to optimize medium to long term capital and income growth, with an emphasis on strong capital growth, through a greater focus of investment in shares of stocks listed in the Philippines. The fund also invests in fixed income securities, and money market instruments .

I have read and understood the Investor Classification in the attached page and have made an assessment of my risk appetite with the help of my agent.

I have taken my Investor Classification into consideration

in my choice of fund allocation. I also understand that in the event of claim, my policy, including any optional benefits, will terminate if the aggregate amount of claim on Accelerated Total and Permanent Disability benefit and /or Accelerated Crisis Cover benefit and/or Accelerated Life Care benefit is equal to the sum assured on the basic policy exclusive of any Optional Benefits. In addition, I understand that the Company has the right to vary the insurance charge, policy fee, annual management charge, and any rider charge and extra charge in the future.

DAN KENNETH J. ALBERTO

Applicant

DAN KENNETH J. ALBERTO

Proposed Insured

PruLink Equity Fund

The PruLink Equity Fund seeks to optimize medium to long term capital growth through investments in shares of stocks listed in the Philippines.

100 %

PruLink ProActive Fund The PruLink ProActive Fund seeks to optimize medium to long term capital and income growth with emphasis on dynamic asset allocation by fund managers through investment in fixed income securities, money market instruments and shares of stocks listed in the Philippines

This Sales Illustration shall form part of the insurance contract once the policy is issued. For more information on what constitutes the entire insurance contract, please ask your servicing agent or refer to your policy booklet.

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 2 of 7

PruLink Exact Protector 5

EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

INVESTOR CLASSIFICATION

This means that when you invest, you want your capital to be subject to minimal risk . However, you realize that this may mean you may not achieve real capital growth on the amount invested because of inflation.

CAUTIOUS

Example: PruLink Bond Fund, PruLink Dollar Bond Fund, PruLink Asian Local Bond Fund

MODERATELY CAUTIOUS

This means that when you invest, you want the potential of some real capital growth. understand that to have this potential, you need to take some risk with the capital you invest.

You

Example: PruLink Managed Fund, PruLink ProActive Fund

MODERATELY ADVENTUROUS

This means that when you invest, you want the potential of greater real capital growth. You understand that to have this potential, you need to take moderate risk with the capital you invest. Example: PruLink Growth Fund, PruLink ProActive Fund

ADVENTUROUS

This means that when you invest, you want the potential of significant real capital growth . You understand that to have this potential, you need to take higher risk with the capital you invest. Example: PruLink Equity Fund, PruLink Asia Pacific Equity Fund

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 3 of 7

PruLink Exact Protector 5

EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

PROTECTION BENEFITS PAGE Enjoy the advantage of having a comprehensive plan complete with additional protection benefit(s) which enhance(s) the PruLink Exact Protector 5 policy you are going to purchase. You have chosen the benefits below: Benefit Type

Benefit

Benefit Amount

Protection Benefit

Basic Cover (Sum Assured)

Lump Sum

1,000,000.00

1,000,000.00

Accelerated Total and Permanent Disability

Lump Sum

800,000.00

Included in Basic Cover

Accelerated Life Care Benefit

Lump Sum

500,000.00

Included in Basic Cover

Waiver

180,000.00

Future s

Daily Lump Sum Daily

2,000.00 30,000.00 4,000.00

Per Illness 730,000.00 30,000.00 1,460,000.00

Lump Sum Lump Sum Lump Sum Additional Benefit Lump Sum Lump Sum

500,000.00 500,000.00 250,000.00

500,000.00 500,000.00 Included in PA-ADD

500,000.00 50,000.00

500,000.00 50,000.00

Sum of Protection Coverage Indicated

4,770,000.00

Waiver of on TPD Hospital Income Rider Benefit(s) Daily Hospital Income Surgical Expense Reimbursement benefit Intensive Care Unit benefit Personal Accident Rider Benefits PA - Accidental Death and Disablement Accidental Total and Permanent Disability Murder & Assault Benefit Renewal Bonus Double Indemnity Benefit Accidental Medical Expense Reimbursement

Conditions apply to each benefit illustrated above. Please refer to the Policy Contract for details.

Fund Value at "Current" Investment Return (Age 60)

2,625,702.02

Fund Value is not guaranteed. The indicated value is taken from the Illustration of Withdrawal Benefits - ProActive Fund page of this Sales Illustration; all conditions disclosed in the page apply. Total s Payable

900,000.00

Benefits-to-Total s Payable Ratio

8.22

Benefit-to-Total s Payable ratio is the Sum of Protection Coverage plus the Fund Value at "Current" Investment Return (Age 60) Indicated divided by Total s Payable.

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 4 of 7

PruLink Exact Protector 5

EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

ILLUSTRATION OF BENEFITS - PRULINK PROACTIVE FUND The values below are based on the projected performance of the fund where your policy is linked. Because fund performance is not guaranteed, the values are also not guaranteed. In addition, the assumed investment returns used in projecting the LOW, CURRENT, and HIGH values represent a range of possible returns that may be achieved by the fund. The HIGH and LOW assumptions are only for illustration purposes and do not represent the upper and lower limit of the actual investment return that may occur. Policy Year

Attained Age

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 31 36

30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 60 65

TopUp Amount

Withdrawal Amount

Fund Allocation**

-

18,000.00 81,000.00 180,000.00 180,000.00 180,000.00 -

-

The HIGH and LOW investment returns, at 10.00% and 4.00%, are those prescribed by the Insurance Commission. The illustrated "CURRENT" investment return is based on the actual average investment return experienced by the Fund in the last 36 months, as indicated in the Historical Unit Fund Performance page, except that if the average exceeds 10.00%, the illustrated investment return is capped at 10.00%. PROJECTED BENEFITS LOW (4.00%)*

FULL WITHDRAWAL VALUE CURRENT (6.91%)*

HIGH (10.00%)*

8,524.60 82,893.59 263,015.75 450,265.86 644,903.50 660,213.46 675,883.50 690,745.86 705,862.85 721,188.82 736,702.55 752,384.19 767,023.30 781,715.47 796,421.22 811,075.42 825,623.48 838,512.34 851,067.99 863,154.51 896,015.93 787,799.76

8,763.38 85,470.72 273,138.05 473,699.55 688,020.11 724,801.75 763,865.90 804,155.02 846,878.97 892,148.60 940,109.39 990,919.16 1,043,523.51 1,099,215.53 1,158,165.79 1,220,531.91 1,286,495.86 1,354,714.06 1,426,773.53 1,502,813.65 2,625,702.02 3,339,129.75

9,016.58 88,218.72 284,052.51 499,391.72 736,159.79 798,695.99 867,218.33 941,074.96 1,021,956.93 1,110,507.60 1,207,462.43 1,313,632.74 1,428,652.50 1,554,609.37 1,692,552.84 1,843,611.90 2,009,042.26 2,188,642.61 2,385,302.29 2,600,597.24 6,813,305.28 10,614,503.25

*Investment returns used are net of final tax, Annual Management Charge and other investment expenses. ** Fund allocation illustrated are inclusive of loyalty bonus, if any.

Notes: 1.

2. 3. 4.

The projected benefits are already net of charges, as specified below . These charges are not guaranteed. a. Annual insurance charge, inclusive of tax and Documentary Stamp Tax, which starts at PHP 1.53 per 1,000 of the sum assured. All top-ups shall also be subject to insurance charge. While the insurance charge is quoted at an annual rate , deductions from the fund shall be made monthly. Rider charges, if any, are also deducted each month. Monthly deductions may change within one policy year as monthly insurance charges and rider charges are based on the attained age of the Proposed Insured. b. Policy Fee, deducted monthly from the total fund, amounting to PHP 33.33, if within paying period and PHP 16.67 after paying period. The policy fee is guaranteed not to exceed PHP 50.00 per month. The annual insurance charge, rider charge (if any) and policy fee are to be deducted proportionately based on the particular fund's share in the policy's total fund value. It may happen that the LOW and CURRENT, or CURRENT and HIGH investment returns are the same for a particular fund, but their year-on-year Full Withdrawal Values differ, because these charges are allocated to each fund based on the weight of the fund to the policy's total fund value. c. Annual Management Charge (AMC) of 2.25% of the fund value for this particular fund. The rate is guaranteed not to exceed 2.50%. All top-ups shall be subject to an initial charge of 6% of the top-up amount. The Loyalty Bonus is available only for the 15 pay variant. The fund value may run out due to partial withdrawals and deduction of charges. If the fund value is no longer sufficient to pay any of the policy

fee, insurance charge, rider charge or other applicable charges (including any policy debt), the policy automatically terminates on the day any such charges are due, subject to Note 5b below. In such an event, the remaining balance of your units which are no longer sufficient to pay off outstanding charges will just be refunded to you . 5.a If Full Withdrawal Value is positive from year 1 : The fund has no policy debt. The rest of Note 5 does not apply. 5.b If the Full Withdrawal Value is zero (0) in the early years : When the Full Withdrawal Value is zero (0), the fund value may be insufficient to cover the charges. To provide you with insurance coverage (s), we shall create a policy debt corresponding to the monthly charges while there is no fund value, provided that s are paid on time and there are no fund withdrawals. This policy debt, accumulated in your without interest, is extinguished if, and as, the fund value grows. The policy will not be terminated on of an outstanding policy debt within the first three (3) years, provided that s are paid on time and there are no withdrawals from your . 6. The above illustration assumes that all s are paid in full when due and as planned with no holiday, and assuming that the current scale of charges remain unchanged. 7. In this illustration, top-ups are made at the beginning of the policy year , and partial withdrawals are made at the end of the policy year. 8. Partial withdrawals are funded by selling units from the fund (s) where your policy is linked. Because fund performance is not guaranteed, the sufficiency of the fund value to the indicated partial withdrawal(s) is also not guaranteed. 9. Values illustrated in this page are Full Withdrawals Values net of withdrawals plus top-ups indicated in this page. And if Full Withdrawal Value is withdrawn, your policy automatically terminates, and all future withdrawals no longer apply.

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 5 of 7

PruLink Exact Protector 5

EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

ILLUSTRATION OF DEATH BENEFITS The values below are based on the projected performance of the fund where your policy is linked. Because fund performance is not guaranteed, the values are also not guaranteed. In addition, the assumed investment returns used in projecting the LOW, CURRENT, and HIGH values represent a range of possible returns that may be achieved by the fund. The HIGH and LOW assumptions are only for illustration purposes and do not represent the upper and lower limit of the actual investment return that may occur. The HIGH and LOW investment returns, prescribed by the Insurance Commission. Policy Year

Attained Age

1

meet

the

The illustrated "CURRENT" investment return for Bond Fund, Managed Fund, Growth Fund, Equity Fund and ProActive Fund are based on the actual average investment return experienced by the Fund in the last 36 months, as indicated in the Historical Fund Performance page, except that if the average exceeds the HIGH rate, the illustrated investment return is capped at HIGH rate.

requirements DEATH BENEFIT

30

LOW (4.00%)** 1,008,524.60

CURRENT (6.91%)** 1,008,763.38

HIGH (10.00%)** 1,009,016.58

2

31

1,082,893.59

1,085,470.72

1,088,218.72

3

32

1,263,015.75

1,273,138.05

1,284,052.51

4

33

1,450,265.86

1,473,699.55

1,499,391.72

5

34

1,644,903.50

1,688,020.11

1,736,159.79

6

35

1,660,213.46

1,724,801.75

1,798,695.99

7

36

1,675,883.50

1,763,865.90

1,867,218.33

8

37

1,690,745.86

1,804,155.02

1,941,074.96

9

38

1,705,862.85

1,846,878.97

2,021,956.93

10

39

1,721,188.82

1,892,148.60

2,110,507.60

11

40

1,736,702.55

1,940,109.39

2,207,462.43

12

41

1,752,384.19

1,990,919.16

2,313,632.74

13

42

1,767,023.30

2,043,523.51

2,428,652.50

14

43

1,781,715.47

2,099,215.53

2,554,609.37

15

44

1,796,421.22

2,158,165.79

2,692,552.84

16

45

1,811,075.42

2,220,531.91

2,843,611.90

17

46

1,825,623.48

2,286,495.86

3,009,042.26

18

47

1,838,512.34

2,354,714.06

3,188,642.61

19

48

1,851,067.99

2,426,773.53

3,385,302.29

20

49

1,863,154.51

2,502,813.65

3,600,597.24

31

60

1,896,015.93

3,625,702.02

7,813,305.28

36

65

1,787,799.76

4,339,129.75

11,614,503.25

**Investment returns used are net of final tax, Annual Management Charge and other investment expenses.

The Death Benefit is comprised of the following: 1. Sum Assured. 2. Full Withdrawal Value. 3. 125% of all top-ups less 125% of all withdrawals on top-up units, but not to fall below zero (0). Any outstanding policy debt shall be deducted from the death benefits/ supplemental benefits. When the fund value is no longer sufficient to pay for any of the policy fee, insurance charge, rider charge or other applicable charges (including any policy debt), the policy automatically terminates on the day any such charges are due and all benefits end. In such an event, the remaining balance of your units which are no longer sufficient to pay off outstanding charges will just be refunded to you.

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 6 of 7 EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

VARIABLE LIFE INSURANCE PLAN HISTORICAL UNIT FUND PERFORMANCE The actual returns from Pru Life UK's unit funds, net of final tax, Annual Management Charge and other investment expenses, are shown below. Past performance is not necessarily indicative of the future or likely performance of the funds. Peso Unit Fund Performance as of June 02, 2015 Bond Fund

Managed Fund

Growth Fund

Equity Fund**

ProActive Fund

Money Market Fund*

Sept. 24, 2002

Sept. 24, 2002

July 22, 2005

Oct. 1, 2007

Feb. 1, 2009

Feb. 1, 2009

Year 1

10.71 %

12.40 %

23.03 %

28.27 %

31.11 %

2.08 %

Year 2

4.02 %

9.71 %

61.44 %

80.90 %

19.32 %

1.76 %

Year 3

10.56 %

11.94 %

-33.72 %

-40.23 %

16.32 %

0.55 %

Year 4

18.49 %

21.36 %

12.49 %

11.25 %

12.62 %

-0.58 %

Year 5

8.18 %

13.03 %

28.50 %

36.03 %

-2.71 %

-0.90 %

Year 6

1.59 %

-4.36 %

27.47 %

32.36 %

11.76 %

-0.26 %

Year 7

8.03 %

9.86 %

13.95 %

19.21 %

N/A

N/A

Year 8

8.54 %

16.78 %

21.71 %

26.11 %

N/A

N/A

Year 9

5.89 %

3.87 %

3.56 %

5.86 %

N/A

N/A

Year 10

10.86 %

12.65 %

N/A

N/A

N/A

N/A

Year 11

11.24 %

11.10 %

N/A

N/A

N/A

N/A

Year 12

-1.57 %

0.07 %

N/A

N/A

N/A

N/A

Compound Annual Investment Return based on completed years

7.93 %

9.66 %

14.88 %

17.96 %

14.29 %

0.44 %

Average Annual Investment Return for last 36 months preceding June 02, 2015

6.43 %

6.71 %

12.80 %

16.67 %

6.91 %

0.09 %

Fund Launch Date

*Money Market fund performance is as of September 3, 2013. **The Equity Fund has served as an underlying fund of the Managed and Growth Fund prior to its launch date.

The assets in our unit funds are valued on a daily basis using the marked-to-market valuation method. The unit prices of Pru Life UK’s unit funds www.prulifeuk.com.ph for the latest unit prices.

are published every Friday on major newspapers, or you may log on to our website

Certified true and correct:

Lee C. Longa EVP and Chief Financial Officer

Date of Certification: June 16, 2015

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146

Page 7 of 7 EQS70022146-9215-329ED7975125-150722-OF v18.1.15.06

VARIABLE LIFE INSURANCE PLAN ACKNOWLEDGEMENT OF VARIABILITY Applicant's Name

: DAN KENNETH J. ALBERTO

Application Number

:

Agent's Name

: MARY ALFRIA P SANTIAGO

Agent's Code

: 70022146

Agent's Unit

:

I acknowledge that: I have applied with Pru Life UK for a Variable Life Insurance Policy and have reviewed the illustration(s) that shows how a life insurance policy could perform using the Company's assumptions and based on Insurance Commission's guidelines on investment returns. I understand that since the fund performance may vary, the values of my units are not guaranteed and will depend on the actual performance at that given period and that the value of my policy could be less than the capital invested. The unit values of my variable life insurance policy are periodically published. I understand that the investment risks under the policy are to be borne solely by me, as the policyowner.

Applicant's Signature over Printed Name

Date

Presented by : MARY ALFRIA P SANTIAGO

Agent's Code :

DAN KENNETH J. ALBERTO

Agent's Signature :

Presented to :

This Sales Illustration was prepared on 7/22/2015.

70022146