Legacy planning

If you are looking for continuity for your business interests, PRULife Vantage Achiever Prime Series offers an excellent solution for keyman insurance with the flexibility of changing your assured keyman throughout the policy term.

• Higher coverage with Multiplier Benefit*
  With higher protection against death and terminal illness through Multiplier Benefit* up to age 85 or 100, you can actively provide a legacy for your loved ones and continuity for your business.
• Pay at your own pace
  Tailor the premium payments to your needs, whether one-time or regular payments across 5 years^. Once fully paid, you have lifelong coverage and your legacy is set^#.
• Pursue a healthy lifestyle
  With the quit smoking benefit, 8% of the premium paid for a single premium policy will be refunded while future premiums for a regular premium policy will be reduced to non-smoker rates when the life assured quits smoking.
• Grow your Legacy
  Accumulation of non-guaranteed bonuses over the years will potentially grow your legacy.
• Extend your legacy personally and professionally
  You have the option of changing the life assured once for individually-owned policies and unlimited times for corporate-owned policies throughout the policy term.

Footnotes
*Multiplier Benefit is the minimum sum of benefit payout for death and terminal illness before the multiplier expiry age of 85 or 100.
^Regular premium payment of 3 to 30 years apply to USD denominated policies. For SGD denominated policies, only a premium paying term of 5 years is applicable.
^#You have the option to terminate early but your coverage would cease and any surrender value payable may be zero or less than the total premiums paid.

Terms and condition apply. Please refer to Product Summary for more information

PRUVantage Legacy Index is an Indexed Universal Life (IUL) that encompasses one’s legacy planning with lifelong coverage and high growth potential with uncapped index performance and protection from market uncertainties, allowing it to shine even brighter for those you treasure.

• Preserve your Legacy
  With high and lifelong coverage for death and terminal illnesses and no-lapse guarantee¹, ensuring coverage remains intact regardless of market performance for the first five years.
  
  
• Grow you Legacy
  
  
• Craft your Legacy
  (5 or 10 years) Premium terms, in your preferred allocation towards Fixed and Index Account as per your risk appetite, with the option to change every year after the first policy year.
  
  Option to choose your preferred index:
  • S&P 500 FC Index²
  • Shiller Barclays CAPE^® Allocator³
  Dynamic Risk Control Index

Footnotes
Note: Only the S&P 500 FC Index or the UBS MASTR Index is available to customers at the point of sale.
¹The No Lapse Period (NLP) will apply only if: there is no change in life assured; and you did not make any withdrawals from your Account Value, or: if you have made withdrawals, you back paid all the withdrawn amounts; the total withdrawn amount is equal to or less than the total top-up amount.
²Refers to the S&P 500® FC TCA 0.50% Decrement Index (SGD) ER.
³Subject to Least Premium Required and Maximum Advance Premium.

Terms and Conditions apply. Please refer to Product Summary for more information.

With PRUApex MultiGen Wealth, you can build wealth that lasts for generations to come.

• Build uninterrupted wealth for generations
  With no policy maturity date, your wealth keeps compounding without limits for generations beyond.
  
  
• Safeguard wealth with Capital guaranteed as early as the end of 7^th year for Single Premium and 13^th year onwards for Regular Premium¹
  
  
• Transfer wealth seamlessly across generations through policy continuity and ownership options
  
  
• Plan wealth and succession flexibly
  Choose how you want to grow your wealth with a choice of premium terms and flexible withdrawals², while staying protected against life's unexpected

Footnotes
¹Capital guarantee after the 7th policy year is only applicable for Single Premium term policy. This is provided that there is no policy alterations, such as partial surrender since inception. For regular premiums, capital guaranteed year will be longer and varies for different premium term duration.
²A withdrawal from the 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.

A legacy isn’t just what you leave behind, but how you future-proof the opportunities and influence it to last.

• Lifelong Protection
  High death and terminal illness coverage
  
  
• Maximise Growth Potential
  With returns linked to S&P 500 Index for your Index Account
  
  
• Protection against market losses
  With guaranteed lifetime floor rate of 0.00% for your Index Account
  
  
• Tailor Your Legacy
  Choose Single or 10-year¹ premium term, customise premium allocation between Fixed and Index Accounts²

Footnotes
¹Subject to Least Premium Required and Maximum Advance Premium.
²Changes can be made after first policy year.