PRUlink heritage account  


  • Enjoy whole-life protection1 as well as coverage for Terminal Illness and Total and Permanent Disability Benefit up to age 65
  • Level monthly assurance charges that stop after 25 years2
  • Enjoy unit allocation as high as 107% in the 10th year of your policy3
  • Build your wealth even faster by adding a Top-Up Premium (Lump Sum)4 for potentially high returns
  • Enhance your plan for greater coverage by adding supplementary benefits such as Crisis Waiver lll5, Payer Security lll6 or Payer Security Plus6.
  • Option to increase/ reduce premiums and make partial withdrawals
  • Unlimited free fund switching7 to match your changing investment objectives and risk profile
  • Choice of PRUlink funds to customize a well diversified portfolio that is professionally managed by Eastspring Investments (Singapore) Limited (formerly known as Prudential Asset Management (Singapore) Limited)

How it works

If you save and invest $5,000 per year, at the end of Guaranteed Death Benefit Total Payout 1 in the event of Death, Total and Permanent Disability 2 or Terminal Illness 2
(including Non-guaranteed Cash Value)
4% 8%
25 years $200,000 $328,400 $419,200
30 years $200,000 $373,900 $532,700
35 years $200,000 $425,700 $689,000
40 years $200,000 $484,900 $904,200


1 This example is based on a male, non-smoker, age next birthday 35, and the PRUlink fund chosen has a Continuing Investment Charge of 1.3% p.a. The Total Payout in the example are based on investment returns of 4% and 8%, which are used purely for illustrative purposes - the actual rate may be higher or lower. The actual benefits payable will depend on the actual performance of the underlying assets of the PRUlink fund. The performance of the PRUlink fund is not guaranteed and the cash value may be less than the capital invested.
2 PRUlink heritage account provides coverage against Terminal Illness and Total and Permanent Disability 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 Terminal Illness and Total and Permanent Disability.


Who can apply

  • For those between 1 and 55 years of age seeking to save and invest without the worry of having a lifetime of charges to ensure a potential sum of money for the next generation
  • A regular premium Investment Linked/ Whole Life product that is payable using Cash only


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^ Terms and condition apply
1 If there are no or insufficient units in your policy, your policy will terminate except during the No Lapse Period. Please refer to the Product Summary for more details.
2 If you increase your regular premium, it will result in an increase in your sum assured. Assurance charges are payable monthly. The monthly assurance charges for the increased portion of the sum assured will be charged for up to 25 years from the date your increase in premium become effective. These charges will be based on the age when you make an increase in premium. This will form a separate stream of monthly assurance charges of up to 25 years from your existing stream of monthly assurance charges.

We reserve the right to vary the assurance charges for the basic benefits of Death, Total and Permanent Disability and Terminal Illness.

We currently charge a monthly administration charge of $10. We reserve the right to increase the administration charge up to a maximum of $20 per month and extend the administration charge beyond 25 years.

3 We reserve the right to change the premium allocation rates for policy year 10 and onwards.
4 For Top-Up Premium (Lump Sum), there is a net sales charge and a non-guaranteed top-up administration fee. The non-guaranteed top-up administration charge is currently zero.
5 You may add Crisis Waiver III to your main policy at any time if:
  • it is available; and
  • you are in good health, as may be determined by us; and
  • you are within the age limits; and
  • you pay the additional premium
6 You may add Payer Security III or Payer Security Plus to your main policy at any time if:
  • it is available; and
  • you are in good health, as may be determined by us; and
  • you and the life assured are within the age limits; and
  • you pay the additional premium.
7 We reserve the right to levy a switching fee.

Note: 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. Investment products are subject to investment risks including the possible loss of the principal amount invested. The value of the units and the income accruing to the units (if any) may fall or rise. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience. You are recommended to seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

The information on this website is for reference only and is not a contract of insurance. Please refer to the exact terms and conditions, specific details and exclusions applicable to this insurance product in the policy documents that can be obtained from your Prudential Financial Consultant.

The information contained on this website is intended to be valid in Singapore only and shall not be construed as an offer to sell or solicitation to buy or provision of any insurance product outside Singapore.

In case of discrepancy between the English and Mandarin versions of the e-Brochures, the English version shall prevail.

Information is correct as at 27 May 2016.