II. Payment FAQ's
III. Safety of Credit Card Transactions FAQ's

a. Register your Username, Password and other Personal Details - Before you can purchase any of our pre-need plans online, we require you to register your username and password. We also ask for your personal details such as your birth date, email address, etc. You can activate your username and password through the link in the email we sent to the email address indicated in the Registration Form. After clicking on the link for activation, you can log-on to our Get A Quote facility.

b. Determine the Product Type you want to purchase - We recommend that you read through our product literature to determine which plan/s suit/s best your needs. Our product literature pages contain information on each plan's features and benefits. There are also links to these pages in the Get A Quote Facility page just in case you went to it without going through the products' features and benefits.

c. Calculate for monthly/quarterly premiums - Our Get A Quote facility allows you to calculate your payments to Prudentialife based on the type of plan, payment term and payment mode you choose.

d. Fill out online application forms - Our Plan Application (PA) form contain applicable fields for the particular Plan. Majority of the information is required. You need to input personal information as well as information on your Beneficiaries, Co-Planholders and Scholar (for Education Plans). We require a valid Philippine mailing address of the Planholder, even if Planholder works outside the country or even if billing will be done electronically.

e. Print the filled out forms - Print or save the filled-out PA form for your reference. The signed PA form will only be required on the following:
e.1 For applications to be paid via online credit card payment option in which initial installment is more than Php500,000.00 together with a photocopy of two valid IDs.
e.2 For applications to be paid via remittance option, regardless of the amount of initial installment. Photocopy of two valid IDs is also required.

For applications requiring signed PA form, the documents will be sent to Prudentialife through mail/courier. Mailing instuctions are included in the email notification sent by the system. Processing of the application commences as soon as we receive the electronically filled-out PA and online payment. The Plan Contract for the application that requires signed PA and photocopy of two valid IDs will only be released upon receipt of the documents. For Plan/s with Co-Planholder, the Co-Planholder Declaration Form is required to be printed, signed by the Plan Applicant and the Co-Planholder and sent to Prudentialife. We will notify the Plan Applicant via email once the Plan Contract is mailed to the indicated Philippine mailing address.

f. Payment - There are two options for paying the plan, either via online credit card payment or via remittance. For online credit card payment, you will be directed to our payment page that is also secured via SSL (This means transfer of electronic details is encrypted). In the payment page, you will provide credit card information. Once approved, the initial payment indicated in the PA form will be deducted from your credit card. You may also opt to enroll in our Auto-Charge Arrangement (ACA). (see section on Billing for details on the ACA). The online transaction details and notification you will receive via e-mail will serve as proof of initial payment. We advise you print this for your own reference. Your Official Receipt will be sent to your mailing address, together with your Plan Contract.

2. Who are the people involved in the Plan?

Planholder - The owner of the plan who must be of legal age
Beneficiary - The person designated by the Planholder to receive the benefits of the Plan in case of his death
Scholar - For Education Plans. The person designated by the Planholder to use the Plan; normally, 0 to 10 years old; or Grades I to V (if the child is already schooling, disregard the age)
Co-Planholder - The Planholder's co-insured who may be his insurable spouse, child, parent, brother or sister. This is applicable for premium plans only and Powered Omni plan.

3. Are all Plan Types available for purchase online?

Yes, all Plan types are sold online.

4. How will I know if my Plan Application is approved or pended?

We check and verify the PA form electronically. Verification for signature however is done as soon as we receive the signed PA form (Applications with Remittance payment mode and Credit Card Payments with an initial installment greater than PhP 500,000.00) through courier/mail. Prudentialife will send you an email informing you of your Plan Application status. We indicate the cause/causes for disapproving or for the pending of your Plan Application and we allow you to correct any missing or wrong information within 30 days. Non-compliance may mean forfeiture of your initial payment. For approved Plan Application, your Plan Contract will be sent to your billing address via courier/mail.

5. What are the causes for pended and disapproved Plan Application?

a. For applications paid online via Credit Card, the Cardholder is not the Planholder or Plan Applicant.
b. Failure to send the signed PA Form to Prudentialife. Plan application will be accepted but without insurance rider.*
c . PA without Plan Applicant's signature. Plan application will be accepted but without applicable insurance rider.*
d . PA "signed by" or "signed for" another person other than Plan Applicant/Planholder. Plan application will be accepted but without applicable insurance rider.*
e . Signature/s is in print, block letters, non-English readable and thumb mark. Plan application will be accepted but without applicable insurance rider.*
f . Discrepancy in Plan Applicant's name and signature
g . Fictitious mailing address Billing Address and/or Business Address.
* For applications requiring signed PA

6. How will I receive my Plan Contract and how long?

Prudentialife will process and issue your Plan Contract within seven (7) to ten (10) working days from the date of receipt of the electronically filled-out Plan Application and payment. The Plan Contract for the application that requires signed PA and photocopy of two valid IDs will only be released upon receipt of the documents. Plan Contract will be sent to your mailing address. You will also receive an advise via email on the progress of your application and once the Plan Contract has been sent via mail/courier.

7. Do I still get the same plan benefits and features for online purchases as those of offline purchases?

Plans purchased online carry the same benefits as those sold or bought through our Sales Associates. You can verify the plan features and benefits by clicking on the product links.

8. Why do I have to register my username, password and personal details before being allowed to purchase a plan?

The registration process has been required so we may verify the identity of the person/s trying to purchase a plan and the validity of the email address/home address indicated in the registration form. We send out e-Newsletter for all our registered users, with the option to opt-out or request to remove your email address from our Mailing List.

9. What if I forgot my username or password?

Just log-on to "forgot username and password page" and indicate the e-mail address you used for the registration. We'll then send to your e-mail address your username and password.