PRUflexicash

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Personal Banking
Insurance
Life Insurance

Be it cash for a family holiday or for an emergency, wouldn’t it be nice to know that you are financially ready for whatever life has in store for you?

PRUflexicash is a participating fixed-term policy that has been specially tailored to help you save for the future while giving you life protection and financial flexibility with a Yearly Cashback¹.

What’s more, PRUflexicash also gives you a choice on when you want to receive your Yearly Cashback¹. This ensures you enjoy the freedom to align the payouts to best suit your needs. So, you’ll have future financial security, insurance protection and access to cash¹ when you need it!

Comprehensive Protection
- Rest easy knowing you are protected against Death, Terminal Illness and Total and Permanent Disability² during the policy period where 100% of the sum assured plus any accumulated bonus³ will be payable.
Your choice of policy terms
- Choose a policy term of 15, 20 or 25 years, to help you save in the most comfortable way possible.
3 smart ways to enjoy your Yearly Cashback¹
- Start the Yearly Cashback¹ after the 2nd policy anniversary and you’ll enjoy 5% of the sum assured every year, to do as you wish.
- Defer receiving the Yearly Cashback¹ till the end of the 10th policy anniversary or later, for potentially bigger payouts.
- Accumulate the Yearly Cashback¹ and reinvest with us and we’ll pay you a non-guaranteed interest of 3% p.a.⁴.
See how PRUflexicash works
- Mr Kee (male, non-smoker), age 35 next birthday, wants to set aside about S$393 a month for the next 25 years for the future university education of his son, James (male, nonsmoker), age 1 next birthday. He wants to receive at least S$18,000 yearly over 4 years to fund James’ university education when he reaches age 21.
  
  At the end of the 25th policy year, Mr Kee can look forward to a non-guaranteed maturity benefit of up to S$105,510⁵.
  
  For as little as S$0.98 a day⁶ (S$30 per month), Mr Kee can add Payer Security III to his PRUflexicash policy, which ensures that James’ education plans will not be jeopardised in the event of Critical Illness, Total and Permanent Disability and Death.

To find out more, speak to a UOB Personal Banker today at your nearest UOB Group Branch.

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Notes

PruFlexiCash is a plan offered by Prudential Assurance Company Singapore (Pte) Ltd (“Prudential Singapore”) under the 6th series.
¹ Yearly Cashback starts after the 2nd policy anniversary.
² Policy provides coverage against Terminal Illness (“TI”) and Total and Permanent Disability (“TPD”) during the term of the policy, and before the anniversary of the policy on which the Life Assured will attain the age of 65. The Life Assured cannot claim for both TI and TPD.
³ Bonuses are not guaranteed and will vary according to the future experience of the participating fund.
⁴ The accumulated interest is illustrated assuming that the Yearly CashBacks accumulate at 3% p.a.. The interest rate is not guaranteed and is subject to change according to prevailing market conditions.
⁵ The Non-Guaranteed Amount is illustrated assuming that:
^a) the Yearly Cashbacks accumulate at an interest rate of 3% p.a. (the interest rate is not guaranteed and is subject to change according to prevailing market conditions.); and
^b) the projected investment rate of return is 5.25% p.a. (as the bonus rates are non-guaranteed, the actual benefits payable will vary according to the future performance of the participating funds).
⁶ Premium quoted is based on an annual basis for a nonsmoking male, age 35 next birthday, with an annual premium of $4,711 and a premium payment term of 25 years.

Important Notice and Disclaimers:
Buying a life insurance policy is a long term commitment. An early termination of the policy usually involves high costs and the surrender value payable (if any) may be less than the total premiums paid. This marketing material is not a contract of assurance nor is it intended as an offer or recommendation with respect to the purchase or sale of the above product. Acceptance of the proposal is subject to underwriting. The precise terms and conditions of the above product are specified in the policy. The above is for general information only and does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You may wish to seek advice from a financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a financial adviser, you should consider carefully whether this product is suitable for you. United Overseas Bank Limited does not hold itself out to be an insurer, insurance broker or insurance agent. The insurance products and services stated herein are provided by Prudential Assurance Company Singapore (Pte) Limited.

United Overseas Bank Limited Co. Reg. No. 193500026Z
Prudential Assurance Company Singapore (Pte) Limited. Reg. No. 199002477Z

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PRUflexicash

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