PRUterm total refund

Now, there’s an insurance policy that offers you not just comprehensive protection against the unforeseen, but also a full refund of all the premiums that you paid1.

term total refund allows you to pay off your premiums in 10 years, be covered for 20 years, and get your premiums back upon cover expiry1.

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


More Information


1 The total premiums paid without interest will be refunded upon Death, Terminal Illness or Disability of the life assured; or the Cover Expiry Date of the policy, whichever event occurs first.
If the policy is surrendered before Cover Expiry Date, policy will return a percentage of the total premiums paid without interest. In some situations, there may be no refund of total premiums paid. Please refer to the policy document for the exact terms and conditions.
2 For Accelerated Terminal Illness and Accelerated Disability Benefit, the benefit will cease on the policy anniversary immediately before the life assured turns 65.
3 Reduction of benefits due to High-Risk Activities to 50% or 75% of the sum assured for Accidental Death Benefit. Exclusions apply. Please refer to the policy document for the exact terms and conditions.
4 The premium amount and renewal is guaranteed provided premiums are paid within 30 days of the date they are due.
5 Premium quoted is based on an annual basis for PRUterm total refund with sum assured of S$100,000, on a standard life, age 35 on next birthday, male non-smoker. Premiums for PruTerm Total Refund are guaranteed provided premiums are paid within 30 days of the date they are due.
Total premiums paid-to-date is calculated based on the annual premium x 5 years (S$1,765 x 5 = S$8,825).
6 We will deduct any outstanding amounts owing to us in connection with this policy before paying any benefits.

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. In case of inconsistency between the English and Chinese versions, the English version shall apply and prevail.

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