PRUlife multiplier flex

Multiplied assurance for everything life may bring

There are certain things that you will always need more of – assurance is one of them, especially the assurance that your loved ones will be well taken care of, regardless of what the future brings.

Designed with this in mind, PRUlife multiplier flex is a whole of life plan that optimises your protection based on your needs, offering you coverage1 for death, Disability2, Terminal Illness and Critical Illness. With PRUlife multiplier flex, you can choose3 to multiply your total coverage by 3 or 4 times, and select the premium4 payment term that’s most suitable for you. This plan also has cash value5 that can be accumulated over time.

Protect your family against a multitude of uncertainties with PRUlife multiplier flex today.

Benefits

  • Offers coverage1 against death, Total and Permanent Disability2, Terminal Illness and Critical Illness
  • Enjoy greater flexibility in your protection:
    • Choice to multiply your coverage3 by 3 or 4 times, depending on your needs
    • Choice to have multiplied coverage3 up to age 65 or 70
    • A range of premium4 payment terms of 10, 15, 20 or 25 years

Supplement Your Protection

For more comprehensive coverage, add Early Crisis Multiplier Flex for coverage against Early and Intermediate Stage Medical Conditions6.

  • Enjoy 3 or 4 times multiplied coverage7
  • Get coverage for an extensive number of Early and Intermediate Stage Medical Conditions6
  • Receive up to $350,0008 for an Early and Intermediate Stage Medical Conditions6 claim

How it works

Multiplier Benefit at a glance:

Plan Type Optional
Supplementary Benefit
Multiplier Benefit
Expiry Age
Multiplier Benefit+ before the Multiplier Benefit Expiry Age or Cover Expiry Date^
PRUlife multiplier flex 65 3x Early Crisis Multiplier Flex 65 3x 65 years 300%
PRUlife multiplier flex 65 4x Early Crisis Multiplier Flex 65 4x 65 years 400%
PRUlife multiplier flex 70 3x Early Crisis Multiplier Flex 70 3x 70 years 300%
PRUlife multiplier flex 70 4x Early Crisis Multiplier Flex 70 4x 70 years 400%

+ Multiplier Benefit is the relevant percentage of the sum assured.
^ Whichever occurs first. The Cover Expiry Date only refers to the Total and Permanent Disability Benefit and is the Policy Anniversary before the life assured turns 70 years.

PRUlife multiplier flex Infographic

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Footnotes:
1 The payout for Total and Permanent Disability, Terminal Illness and Critical Illness accelerates the death benefit sum assured. Upon a claim for death, Accelerated Total and Permanent Disability, Accelerated Terminal Illness.
2 Provides coverage against Total and Permanent Disability before the Cover Expiry Date, which is the policy anniversary before the life assured turns 70 years.
3 Refer to Multiplier Benefit.
4 Premiums are not guaranteed during the premium payment term.
5 Acquires a cash value after 36 months of premium have been paid and policy is in-force for 36 months. Includes non-guaranteed bonuses which will vary according to the future experience of the participating fund.
6 Early Stage and Intermediate Stage benefits payout under Early Crisis Multiplier Flex will reduce the PRUlife multiplier flex policy sum assured. If the sum assured of both PRUlife multiplier flex and Early Crisis Multiplier Flex is the same and a benefit payout for 100% of the sum assured from Early Crisis Multiplier Flex is made, the PRUlife multiplier flex policy and the Early Crisis Multiplier Flex benefit will terminate. A claim under the Critical Illness benefit within the PRUlife multiplier flex policy could result in either a reduction of sum assured or termination of Early Crisis Multiplier Flex.
7 Refer to Multiplier Benefit. The selected Multiplier Benefit for Early Crisis Multiplier Flex must be the same as PRUlife multiplier flex's Multiplier Benefit.
8 The maximum claim for Early Stage Medical Condition is $250,000.
9 The illustrated values use bonus rates assuming a projected investment rate of 4.75% p.a. As bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.


Note:
You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.

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.

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.

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 these insurance products in the policy documents that can be obtained from your Prudential Financial Consultant.

The information contained on this website is for distribution 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 this brochure, the English version shall prevail.

Information is correct as at 20 January 2017.