PRUtektadong Pinoy

Some people say, "Based on annual reports, I’ve never seen VUL funds performing well"...I often read this from anti-VUL people who are disappointed with the performance, especially those who assumed that all of their premium goes straight into investment. But that’s not how VULs work. Part of the premium goes to insurance charges and other policy costs, while the rest is invested into the fund.
Also, it’s important to understand that an annual report showing unit price growth or decline doesn’t necessarily reflect a policyholder’s actual fund value performance. Why? Because the fund report only compares the unit price from one point in time to another. But in reality, most clients pay monthly, not annually. That means they buy units at different prices throughout the year — sometimes higher, sometimes lower. This variation (peso-cost averaging) makes their actual experience different from the headline annual unit price movement. In many cases, clients can still grow their fund value even if the annual unit price looks flat or down.
Okay, let's break it down, shall we?
1. Annual Unit Price vs. Fund Value
Unit Price Growth/Decline (Annual Performance):
This simply measures how the fund’s price per unit has changed from one point in time to another (e.g., from January 1 last year to January 1 this year).
Example:
Start of year: ₱10 per unit
End of year: ₱11 per unit
→ That’s +10% growth, regardless of how it moved in between.
Fund Value (What the client sees in their account):
This depends not only on the unit price but also on how many units they own and WHEN THOSE UNITS WERE BOUGHT.
2. Impact of Monthly Payments (Peso-Cost Averaging)
If a client pays monthly premiums, they’re not buying all units at one fixed price. Instead, they buy units at different prices throughout the year:
January: ₱10 per unit
March: ₱9.50 per unit

July: ₱11 per unit
November: ₱10.80 per unit
This means their average cost per unit could be very different from the year’s start or end price.
So even if the annual unit price looks flat (no growth or slight decline), the client’s actual fund value MIGHT still grow — because they were able to buy more units during dips (cost averaging). Conversely, if unit prices rose steadily, their growth may look smaller than the headline annual % change, since they bought units at increasingly higher prices.
3. Why the Numbers Don’t Always Match
Annual report unit price growth = snapshot comparing two points in time.

Client’s fund value performance = blended result of many purchases at varying prices.
In other words:
Unit price growth shows how the fund itself performed.
Fund value growth shows how the client experienced the fund, depending on payment frequency and timing.
✅ Analogy:
It’s like saying the price of rice went from ₱100/kilo to ₱110/kilo (+10%).
But if you bought a kilo of rice every month at ₱95, ₱105, ₱108, etc., your average buying price is different from those two endpoints. Your “personal gain” on mangoes won’t exactly match the reported +10%.
👉 So the recorded annual unit price growth/decline is useful for understanding fund direction, but it doesn’t directly measure the policyholder’s personal return, especially for monthly-paying VULs where entry points vary across the year.
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Thank you for making us NO. 1!

With your unwavering trust, we proudly stand as the nation’s TOP life insurer in NBAPE and Total Premium Income for VUL, as ranked by the Insurance Commission for Q2 2024.

YOU are the spark that fuels our passion to be your most trusted partner and protector.

Because in everything we do, Our Reason is YOU!

Pru Life UK tops all life insurance companies again!​

The Insurance Commission of the Philippines just released the Q1 2024 rankings of Life Insurance Companies based on NBAPE.​

Thank you, dear customers, for continuously entrusting your financial security with us. ​

Beyond grateful to our agency force & employees for demonstrating continued commitment to protecting more Filipino families.

Pru Life UK tops all life insurance companies again!​

The Insurance Commission of the Philippines just released the Q1 2024 rankings of Life Insurance Companies based on NBAPE.​

Thank you, dear customers, for continuously entrusting your financial security with us. ​

Beyond grateful to our agency force & employees for demonstrating continued commitment to protecting more Filipino families.

Thank you dearest clients for your trust!❤️

Pru Life UK is the number 1 Life Insurance Company in the Philippines as of June 30, 2023. 👏👏👏🏆🏆🏆

Congratulations Pru Life UK, agents and to our dear POLICY HOLDERS! ❤️

We express our utmost gratitude for your continued trust to our company. ❤️ To more secured lives! 🤗

Pru Life UK is one of the standout brands and organizations that topped the inaugural PH Best in Customer Service 2023 survey.

Check the full list here: inq.news/PHBestCS2023

The PH Best in Customer Service 2023 is conducted by Philippine Daily Inquirer and Statista from April 12 to May 17 among Filipino respondents.

Pru Life UK is one of the standout brands and organizations that topped the inaugural PH Best in Customer Service 2023 survey.

Check the full list here: inq.news/PHBestCS2023

The PH Best in Customer Service 2023 is conducted by Philippine Daily Inquirer and Statista from April 12 to May 17 among Filipino respondents.

Congratulations to my company Pru Life UK for bagging the Best Life Insurer in the Philippines, given by the prestigious Insurance Asia News.

This award truly embody our pursuit to excellence in serving our Clients.

Pru Life UK, the Number 1 life insurer in the country! 🇵🇭

𝗦𝗦𝗦 𝘃𝘀. 𝗣𝗥𝗨 𝗟𝗜𝗙𝗘 𝗨𝗞 𝗦𝗮𝘃𝗶𝗻𝗴𝘀 ✨

Our government mandated contributions may 𝗻𝗼𝘁 𝗲𝗻𝗼𝘂𝗴𝗵 for us to have a 𝗰𝗼𝗺𝗳𝗼𝗿𝘁𝗮𝗯𝗹𝗲 𝗿𝗲𝘁𝗶𝗿𝗲𝗺𝗲𝗻𝘁.

Pru Life UK will give you a comprehensive life & health 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝘄𝗶𝘁𝗵 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁 handled by one of the top fund managers in Asia.

Why not have BOTH?

Message me and I’ll assist you. 😊