Our solutions

Total interest is equivalent to Base Interest plus Bonus Interest; where Base Interest is 0.05% p.a., Bonus Interest is paid up to S$150,000 in your One Account. Base Interest is calculated at the end of each day based on each day-end balance and Bonus Interest is calculated at the end of each calendar month based on the monthly average balance. Monthly average balance is the summation of each day end balance for each month divided by the number of calendar days for that month.

Maximum effective interest rate (EIR) on the One Account is 0.65% p.a. for deposits of S$75,000, provided customers meet criterion of S$500 eligible card spend in each calendar month. Maximum effective interest rate (EIR) on the One Account is 1.90% p.a. for deposits of S$125,000, provided customers meet both criteria of S$500 eligible card spend AND 3 GIRO debit transactions in each calendar month. Maximum effective interest rate (EIR) on the One Account is 3.30% p.a. for deposits of S$150,000, provided customers meet both criteria of S$500 eligible card spend AND a min. S$1,600 salary credit via GIRO/PAYNOW (with the transaction reference “SALA” / “PAYNOW SALA”) in each calendar month.

PRUWealth Plus

PRUWealth Plus gives you the confidence to keep pace with you and your family's goals.

• Tailor and grow your savings
  Maximise potential returns⁴ up to 130 years old⁵ and a choice of single and regular premium options of 5, 10, 15 and 20 years. For single premium plans, you can choose to pay with cash or your Supplementary Retirement Scheme (SRS) funds.

• Feel secure no matter the circumstance
  Worry less and feel secured with capital guarantee after the 10th year², regardless of market conditions. In times of need, you have the option to defer premium payments for up to 2 years³, in case of job loss we will pay a one time payout of up to 50% of your annual premium⁶, and waive all premiums for up to 1 year⁷ if a loved one were to pass on.

• Financial flexibility
  You can make withdrawals¹ to fund milestones in your life or let your wealth grow over a longer period.

• Protect your family’s future
  Your loved ones are protected in the event of your death or accidental death. With options such as appointing a secondary life assured⁸, joint ownership and change of life assured⁹, you have the flexibility to plan and ensure that your savings can continue to grow uninterrupted¹⁰ and be transferrable to future generations.

• Hassle-free application¹¹
  No medical examination required - making application a breeze.

Footnote

• ¹Any withdrawal from a PRUWealth Plus (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.
• ²Capital guarantee is after the 10th year if you purchased a PRUWealth Plus (SGD) policy of single premium payment term. For a policy of 5 years and 10 years premium payment term on an annual premium payment mode, the capital guarantee is after the 15th year and the 18th year respectively. For a policy of 15 years and 20 years premium payment term on an annual premium payment mode, the capital guarantee is after the 19th year. This is also provided there has not been any policy alterations such as partial surrender since inception.
• ³If the surrender value under your policy is at least 100% of two years’ current installment premiums, you can choose to postpone paying the premiums for up to two years or until the end of the premium payment term, whichever is shorter.
• ⁴Bonuses are not guaranteed and will vary according to the future performance of the participating fund.
• ⁵Policy matures on the policy anniversary just before the original primary life assured turns 130 years old.
• ⁶The payout computation varies depending on the chosen premium term. For single premium term, the payout is 10% of single premium and for all regular premium terms, it is based on 50% of annualised premiums.
• ⁷When an immediate family member of the life assured dies before the end of the premium payment term of the policy, we waive the premiums of your policy and its supplementary benefits, for up to a period of one year.
• ⁸Not applicable for single premium policy paid via SRS funds. Appointment of secondary life assured is restricted to the policy owner’s immediate family members and is subject to acceptance by us.
• ⁹Not applicable for single premium policy paid via SRS funds. Change of life assured is subject to insurable interest with original policy owner(s). For regular premium policy, you can choose to change the life assured to another life assured only after the premium payment term of the policy. For single premium policy paid using cash, you can only choose to change the life assured after 2 years from the cover start date of the policy. Other terms and conditions apply, please refer to product summary for more details.
• ¹⁰Upon 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). Not applicable for single premium policy paid via SRS funds.
• ¹¹Medical 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$10 million (or equivalent). Selected plans will be reviewed and determined by us from time to time.

PRUWealth Income

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.

• Enjoy a lifetime of income
  Receive guaranteed and non-guaranteed monthly cash benefit¹ from 2nd policy year, and the payout increases from 4th policy year onwards.

• Financial protection against unforeseen events
  You and your loved ones are protected if death² or accidental disability³ were to occur.
  In the event of job loss, you will receive a one-time retrenchment benefit payout⁴.

• Opportunity to accumulate more for growth
  Option to accumulate your monthly cash benefit with an interest rate⁵ and withdraw it anytime you need.

• Hassle-free application
  Application is made easy with no medical check-up required.

Footnote

• ¹Monthly cash benefit is computed based on a percentage of single premium paid.
• ²Upon death of the life assured, we pay the higher of: (a) 101% of single premium, or (b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any outstanding amount payable. Upon accidental death of the life assured, we pay the higher of: (a) 105% of single premium, or (b) 101% of the surrender value as at the time of death, plus any cash benefit left with us, less any outstanding amount payable.
• ³If the life assured becomes disabled because of an accident before age 70, we pay the higher of: (a) 105% of single premium, or (b) 101% of the surrender value as at the date the life assured was certified to be disabled due to an accident, plus any cash benefit left with us, less any outstanding amount payable.
• ⁴Only applicable during the first 5 policy years and prior to the policy anniversary immediately before your 65 years of age. This benefit will be terminated after the retrenchment benefit is paid out.
• ⁵Interest rate is not guaranteed and is subject to change.

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.

Terms and conditions

• ¹The indicative value is based on real-time proprietary data of CKS Property Consultants Pte Ltd, publicly available information and other third party sources. We do not warrant the accuracy or completeness of the information and valuations.
• ²Subject to the full terms and conditions for a UOB Property Loan, and internal credit policies.

*Residential Properties refers to HDB flats and private condominiums in Singapore.

Terms and conditions

• ³Instant approval refers to a conditional approval for a UOB Property Loan, and is granted based on the information provided by the applicant. It is processed and approved by UOB, and is subject to the applicable terms and conditions, including the necessary documentation verification and completion.

SGD deposits are insured up to S$100k by SDIC.