Maximal Power is a single-pay, unit-linked life insurance product offered by Allianz PNB Life. It maximizes your investments by putting them into expertly managed funds while providing superior lifetime insurance protection of at least 130% of the Single Premium you paid. This minimum 1-million single-pay investment plan with insurance lets you make the most out of your investment since there is no premium charge deducted and only a fixed charge is imposed. The plan is available in Philippine Peso or US Dollar denomination.
Choose your level of protection
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.
Decide How Your Money Grows
The Total Fund Value is based on the premium you pay plus the earnings of your chosen fund, less any charges and your fund withdrawals.
Choose from a wide range of funds — managed by world-class investment managers — that best suit your needs, objectives, and risk appetite. The performance of your chosen funds may vary and may present a certain level of risk for you. To check the daily Net Asset Value per unit (NAVpu), go to the Fund Value page.
Enhance Your Protection
Add an Accidental Death and Dismemberment rider to enhance the protection level of your minimum 1-million one-time investment. This provides an additional level of coverage in case of death or disability caused by an accident.
Features and Benefits
Maximized investments
If you are wondering where to invest 1 million pesos, Maximal Power is the policy for you. This plan has no premium charge, so you get the most out of your investments while enjoying one of the highest insurance protection benefits available in the market.
Ability to Switch and Reshape Your Portfolio
Manage your portfolio by reallocating your funds, depending on your new investment goals. Exercise control over your funds by switching them, subject to minimal charges.
The Power to Decide When to Cash In
Take charge and withdraw from your policy anytime should you need cash for emergency purposes, subject to applicable charges and maintaining balance.
Loyalty Bonus
Receive a loyalty bonus every 5 years as long as your policy remains in force.
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.
