Legacy

PRULife Vantage Achiever Prime Series 

A whole life protection plan that provide financial security throughout your lifetime. A legacy plan that gives the potential to grow your wealth with accumulation of non-guaranteed bonuses¹ and an effective solution for keyman insurance to ensure business continuity

• Multiplier Benefit² extending to age 100
  Higher benefit payout till expiry age 85 or 100.
• Choice of currency
  Choose whether to have your policy denominated in SGD or USD.
• Option to change life assured³

  Change allowed once for individual owned policy and unlimited times for corporate owned policy.
• Quit Smoking Benefit⁴
  8% of single premium to be refunded while future premiums for regular premium policy to be reduced to non-smoker rate.
• Capital guaranteed
  After 25th year from policy date.

Footnote

¹Bonuses are not guaranteed and will vary according to the future performance of the participating fund.

²On death or terminal illness of the life assure

1. before Multiplier Benefit expiry age 85 or 100, we pay the higher of:
   
   1. The sum assured for death plus all non-guaranteed bonuses; or
   2. The Multiplier Benefit less any amounts owing to us.
2. after Multiplier Benefit expiry age 85 or 100, we pay the sum assured for death plus all non-guaranteed bonuses, less any amounts owing to us.
   
   

³Change of life assured is only allowed after 2 years from policy start date for single premium policy and after premium paying term for regular premium USD policy

⁴If life assured meets all necessary terms and conditions, the policy will be reclassified to non-smoker of same underwriting class.

PRULifetime Income Premier Series

A single premium participating whole life insurance plan that helps you to build towards your secure financial future that lasts across generations – supplement your retirement, support your children’s needs or leave a lasting legacy.

• Lifetime income¹
  A lifetime of regular income from second policy anniversary onwards.
• Wealth transfer¹
  that benefits up to 3 generations.
• Death or disability coverage²
  arising from an accident.
• Hassle-free Application³
  No medical underwriting required.

Footnote

¹The Cash Benefit is made up of a guaranteed and non-guaranteed portion which will be paid out from the 5th and 2nd policy anniversary, respectively. The non-guaranteed Cash Benefit is illustrated investment rate of return 4.25% p.a. for SGD version. It is not guaranteed and the actual benefits payable will vary according to the future performance of the participating fund.

²The Death Benefit will be the higher of 105% of the single premium or 101% of the Surrender value as at the time of death, plus any cash benefit left with Prudential, less any amounts owed to Prudential.

³Medical check-ups or answering health-related questions may be required if an optional supplementary benefit is added, or if the total premiums for selected plans per life assured issued in the past 24 months exceed S$5 million (or equivalent). Selected plans will be reviewed and determined by us from time to time.