VUL Insurance

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Feel free to use our auto-compute NEED Calculator. This is a no-commitment online tool that you can conveniently use for FREE. You will not be obliged to get a policy for using the calculator. So go ahead and check how much you need today.

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If you have an existing insurance policy and the NEED Calculator above shows a positive amount, that means your existing coverage may not sufficiently provide coverage in the event of uncertainties. Getting another policy is an option.

If you do not have a policy and the NEED Calculator above shows a positive amount, please consider getting one.

Services

Why us?

Our experienced, trustworthy, well-qualified and duly licensed Financial Advisors/Consultants sell insurance solutions only from one of the best insurance providers that are:



Pioneering

…one of first prviders to introduce VUL insurance (insurance with investment) in the Philippines

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Time Tested

…one of the oldest insurers, with local business duly licensed to operate in the country

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Giants

…one of the biggest and largest in terms of assets, revenue, market capitalization, etc.

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The Best

…one of the recipients of major recognitions/awards from various institutions over the years

From Our Financial Advisor

#tips

Make a monthly budget, and make sure you include savings.
Record all your spending, and find ways to cut your expenses.
Spend more on things that will give you financial returns.
Spend on essentials, not by impulse. Buy what’s only on your Need List.
Think long-term. Short-term only lasts for a second.
Keep on planting, so you will keep on harvesting.
Do not stop because of risk or fear. They can give you more money!
The biggest compounded return comes from education. Make learning a life-long commitment.
See more of opportunities than obstacles. Focus more on rewards than risks.
Aim to become a billionaire. If you fail, you’ll be a millionaire at the very least.
Believe in yourself, your value, and your ability to deliver and achieve.
Do not replace your profitable source of income with a more profitable one. Get them both, and get some more!
Let your money do the hard work and overtime for you.
Aim to earn money even when sleeping.
Don’t let all your money sleep in a bank account with a crazy low-interest rate. Get another insurance policy today!
Become committed to being rich by acting like the poor. Stay low profile.
Protect your wealth by securing your life and health. Make sure to have a life and health coverage.
Millionaires need insurance to protect their finances. Those who do not have a million in their bank need insurance even more.
And more importantly…
Accidents, critical illness, permanent disability, sudden death and Financial Advisors come to our lives unexpectedly. You can BOOK ONE OF THEM, so that the rest will not surprise you financially. Select the Financial Advisor now!

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VUL Insurance Philippines

The abbreviation for Variable Universal Life is VUL. It is a modification of a standard universal life insurance policy that allows some of the cash value that has been accumulated to be invested into the market in order to generate a return on the money that was put in. To put it another way, it is a type of permanent life insurance policy that allows the cash component to be invested in ways that result in higher rates of return.

It is a type of permanent life insurance policy that features an integrated savings component and allows policyholders to invest through fund managers. The premium is flexible, just like it is with standard universal life insurance.

The cash value can be invested. Thanks to the variable universal life insurance policy. In a particularly favorable market, having exposure to market fluctuations could potentially provide significant gains. As a direct consequence of this, the return on the cash component is not guaranteed from one year to the next. Because of this, the management of the investment is handled by capable Fund Managers who have robust expertise and have received extensive training.

The unpredictable outcomes of financial investments in a market that is constantly changing inspired the name of this insurance.

When compared to a traditional cash value or whole life insurance policies, variable universal life insurance provides policyholders with greater flexibility and growth potential. However, before acquiring this type of coverage, policyholders should carefully evaluate the associated risks.

VUL insurance, like most other permanent policies, provides protection for your long life because it is intended, generally, to continue in force for as long as you do, provided that adequate premiums are paid. The purpose of variable universal life plans is not to function as independent investments but rather as a type of life insurance.

There are many insurance companies that offer variable universal life insurance around the world. VUL plans may slightly differ in some features, administration and schedule from one company to another. Please check with your provider and refer to your policy to check what exactly applies to your investment.

In the Philippines, the first to introduce VUL insurance is Pru Life UK. Incorporated as Pru Life Insurance Corporation of UK in 1996, it pioneered unit-linked / investment-linked insurance in 2002 with the introduction of it’s PRULink Investor Account.

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