- Minimum Premium: Php 100,000 / USD 2,000
- Ages 0 - 70
Complete Protection
With Optimal Power, you can live life to the fullest without worrying too much about your health. This one-time pay investment comes with an additional bonus, which provides you with guaranteed insurance coverage. To fully protect you, your insurance coverage is equivalent to at least 125% of your premium.
Grow Your Wealth
Optimal Power helps you maximize your wealth by providing you with various investment options. This plan allows you to gain access to a variety of investment opportunities in a wide selection of expertly managed funds. You can also invest more money in your policy anytime you want.
Flexible Plan
This one-time pay investment plan with insurance is available in Peso and US Dollar denominations. No matter the currency in which you earn your money, you can get Optimal Power and still have the opportunities to invest and obtain comprehensive insurance coverage.
Features and Benefits
Invest More for Additional Insurance Coverage
Add investments to your Optimal Power policy anytime and increase your insurance coverage through Top-up Premiums.
Customize Your Portfolio to Achieve Your Investment Goals
Manage your portfolio by reallocating your funds to another type, depending on your new investment goals. You have 2 free switches per year.
Withdraw Funds Whenever You Want
Withdraw from your single-pay investment policy with insurance anytime if you need cash, subject to maintaining balance. You have 4 free withdrawals per year, after which there will be applicable charges.
Enjoy a Loyalty Bonus Regularly
Receive a loyalty bonus based on your monthly balance for the past 5 years. Such is recalculated and added to your fund every 5 years.
Access to Allianz Healthbox perks
Allianz Healthbox is your one-stop shop access to our health, lifestyle, and wellness partners nationwide.
Enjoy exclusive freebies and discounts to achieve your health and wellness goals.
Maximize Your Protection With a One-Time Pay Investment
Level Death Benefit
The amount of insurance coverage is equal to your Total Sum Assured or your Total Fund Value, whichever is higher. This means that you can achieve your desired level of protection while enjoying a higher potential for the accumulation of funds.
Skip medical exams! Guaranteed Acceptance is available for plans starting at Php 500,000 for Optimax Gold* or USD 10,000 for Optimax Green*, subject to certain conditions and limits.**
Increasing Death Benefit
The insurance protection of your minimum 1-million single-pay investment is equal to the combined amount of your Total Sum Assured and your Fund Value. Under this option, you enjoy a higher level of protection over time because as your fund value increases, your level of protection also does.
Gain More Money by Getting a One-Time Pay Investment Plan With an Additional Bonus
You decide how your money grows as Optimal Power gives you the power to choose from a variety of fund options. These funds are managed by world-class investment managers that combine their experience with the best investment strategies and advanced risk management approach available.
Our financial advisors and agents can also guide you in determining your risk profile and recommend an optimal mix of funds that suits your goals, risk tolerance, return expectations, and liquidity needs.
Get more information about these funds.
Experience Premium Protection with Optimal Power
You can further enhance your level of protection with an Accidental Death and Dismemberment rider, which insures you in case of accidental death or dismemberment. The cost of this rider is automatically deducted from your Optimal Power policy every month should you decide to add this.
Monitor the Performance of Your Investment
Fund valuations are done daily and are made available on our website. You can monitor the performance of your chosen funds on how the Net Asset Value per Unit (NAVPU) moves.
Returning or Surrendering Your One-Time Pay Investment Plan
If you are not completely satisfied with the policy that you purchased, you may return it within 15 days together with a signed written notice requesting cancellation to get the Total Fund Value plus all policy charges. After this period, you may surrender this policy and receive the Total Fund Value.
