Preserve Your Wealth

Prestigeis a Variable Unit Linked policy whose investment fund has 2 components: one that provides long term growth through variable returns and another that provides a guaranteed amount. It is best used as an estate conservation tool that can also provide a source of funds in the future for the insured’s off-spring or heirs.

Prestige comes in two variants:

(1) Prestige 150 – for ages up to 55; Policy Amount is 150% of the single premium paid; (2) Prestige 200 – for ages up to 44; Policy Amount is 200% of the single premium paid

pioneerdirect prestige

Power Features of Prestige:

(1) Long–term growth through investment in a variable return fund. (2) Guaranteed cash value; (3) Guaranteed maturity benefit equivalent to the Policy Amount; (4) Guaranteed and fully paid life insurance coverage equal to two times the Policy Amount up to age 99 after just seven years of contribution;


  • Currency: Philippine Peso
  • Payor: At least 18 years old
  • Minimum Single Premium: Php 500,000
  • Payment Term: Single Pay
  • Policy Fee: Php 3,000
  • Death Benefit: Policy Amount plus Fund Value
  • Available Investment Fund:
    • Managed Fund/Equity Fund
  • Withdrawal/Surrender Charges:
    • 5 policy years and above – 0%
    • 4 policy years to less than 5 policy years – 1%
    • 3 policy years to less than 4 policy years – 2%
    • 2 policy years to less than 3 policy years – 4%
    • 1 policy year to less than 2 policy years – 6%
    • Less than 1 policy year – 7%


BDO Unibank, Inc (BDO) is a full-service global bank providing a broad range of retail, commercial and corporate banking services.

Pioneer Life’s variable funds are managed by BDO Trust and Investment Group (BDO Trust) which provides solutions and strategies to achieve the varying investment objectives of its clients. It maintains its position at the forefront of the Philippines’ trust industry and has more than 835 branches in the country, and overseas representative and remittance offices in Middle East, North America, Europe and Asia. In 2014, BDO ranked as the largest bank in terms of total capital, loans, deposits, assets and trust funds under management.

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