Savings

PRUActive Saver

An insurance savings plan that allows you to save small amounts for a long period or large amounts for a shorter duration. It is an insurance savings plan with capital guaranteed at maturity.

• Customise your plan’s premium payment
  from 5 to 30 years and policy term from 10 to 30 years.

• Lump sum payout at maturity¹
  at the end of policy term.

• Financial protection against death²
  Receive a lump sum payout upon death.

• Capital guaranteed at maturity
  

• Hassle-free application
  No medical examination required.³
  

• Choice of using Supplementary Retirement Scheme (SRS) funds
  to purchase Single premium plans.
  
  

Footnote
¹On the maturity date we pay a maturity benefit in a lump sum. The maturity benefit is a percentage of the Face Value plus all the bonuses that we have added to the policy, less any amounts owing to us in connection with your policy. The bonuses are not guaranteed.

²The Death benefit payable will be the higher of:- 105% of the total premiums paid up to time of death (but not premiums for supplementary benefits, if any) less any bonus surrendered; or- 101% of the surrender value less any amounts owing to us.

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

PRUActive Cash

An insurance savings plan with yearly cash benefit that gives you the flexibility to meet today’s needs, as well as structure to ensure you continue to save for your future. You customise the premium and policy term that best suit your financial needs.

• Flexible premium and policy term
  Customisable premium term option of 5, 10, 15, 20 or 25 years and policy term between 15 to 25 years.

• Yearly Cash Benefit
  Choose to receive Yearly Cash Benefit payouts¹ from the second policy anniversary or accumulate them for potentially higher returns.

• Maturity Benefit
  Receive a Maturity Benefit² at the end of your chosen policy term.

• Hassle-free application
  No medical examination required.
  
  

Footnote
¹The Yearly Cash Benefit is 3% of the PRUActive Cash policy’s Face Value. The Face Value is a notional value used to determine the Yearly Cash Benefit, Bonuses (non-guaranteed), and the Maturity Benefit. It is not the sum assured of the policy.

²The Maturity Benefit consists of the last instalment of the Yearly Cash Benefit, guaranteed Maturity Value and non-guaranteed Maturity Bonuses (if any), less any amount owing to us.

PRUSave Max Limited Pay (USD)

A flexible insurance savings plan that helps you look beyond Singapore denominated assets and make the most of investment opportunities in the US economy

• Flexible premium payment and policy terms

  Choice of premium payment term of 5, 10 or 15 years and premium payment terms.

• Maturity Benefit
  Receive lump sum payout in USD at the end of your chosen policy term.

• Financial protection against death

  Receive a lump sum payout upon death during the policy term.¹
  
  

Footnote
¹The death benefit will be the higher of:

• 105% of the total premiums paid, excluding premiums for supplementary benefits (if any) at the time of death, or
• 101% of the surrender value at the time of death, less any amounts owing to us.

PRUWealth Plus

• Capital guaranteed
  
after the 10th year.¹

• Let your policy value grow
  
up to 110 years old.²

• Flexibility of using your money³
  
to fund key milestones in your life.

• Choice of 5 different premium payment terms

  Single premium or regular premium of 5, 10, 15 or 20 years.

• Hassle-free Application
  
No medical underwriting required.⁴

• Allows policy continuity
  Let your loved one continue⁵ your wealth accumulation and gain a head start in life.

• Joint ownership
  
Your policy will continue should you or your spouse pass on giving you uninterrupted⁶ savings.
  
  

Footnote

¹Capital guaranteed is after 10th year only if you purchased a PRUWealth III (SGD) policy of single premium payment term. For a policy of 5 years, 10 years, 15 years and 20 years premium payment term on an annual premium payment mode, the capital guaranteed is after 15th year, 18th year, 19th year and 20th year respectively. This is also provided there has not been any policy alterations such as partial surrender since inception.

²Policy matures on the policy anniversary before original primary life assured turns 110 years old.

³Any withdrawal from a PRUWealth III (SGD) policy is a partial surrender and must be requested by the customer. Any partial surrender will result in a reduction in the long-term value of the policy. If the policy is surrendered, the surrender value payable (if any) may be less than the total premiums paid.

⁴Medical check-ups or answering health-related questions may be required if the primary life assured or policy owner(s) add(s) an optional supplementary benefit; or if the total premiums for selected plans per life assured issued in the past 24 months exceeds S$5 million (or equivalent). Selected plans will be reviewed and determined by Prudential from time to time.

⁵The policy continues for as long as the life assured lives and policy remains in force.

⁶Upon the death of the primary life assured, the policy continues with cover on the life of the appointed secondary life assured instead, and no death benefit will be payable. Any supplementary benefits attached will be terminated upon the death of the primary life assured. There will be no changes to the original premium payment term or policy term, and premium payment for the policy continues (if applicable).