PRUlink enhanced protector

Flexible protection at different life stages

As you journey through life and your relationships grow, PRUlink enhanced protector ensures your changing needs are met. It gives you the flexibility to adjust your coverage and investment at different life stages. Whether it is increasing your sum assured for a child on the way, or maximising your wealth accumulation in your later years to build a comfortable nest egg, you can always give your family the protection they need.

You also have the option to include critical illness coverage with our supplementary benefits (Crisis Cover Provider III1 and Early Crisis Cover Provider2) for greater peace of mind.

Benefits

  • Unique Enhanced Protector Benefit that pays 150% coverage3 for death, Total and Permanent Disability4 or Terminal Illness without additional premium.
  • Flexibility to adjust your plan to fit your changing protection and wealth accumulation needs.
  • Option to reduce your coverage in favour of wealth accumulation in your later years5,9.
  • Option to include critical illness1,2 coverage for comprehensive protection.
  • Guaranteed6 coverage for the first 10 years to ensure your protection remains intact in a volatile market.
  • Choice of a wide range of PRUlink funds to invest your premium.

 

How it works

PRUlink enhanced protector Infographics

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Footnotes:
1 For Crisis Cover Provider III, the sum assured will only be paid in a lump sum to the life assured upon diagnosis of any of the 36 critical illnesses listed in the product summary. The full list of the 36 critical illnesses can be found in the product summary that can be obtained from your Prudential Financial Consultant. The assurance charges for Crisis Cover Provider III are not guaranteed.
2 The full list of benefits covered under Early Crisis Cover Provider and their definitions can be found in the product summary that can be obtained from your Prudential Financial Consultant. The maximum claimable benefit combined under the 50% Severity and 100% Severity cannot exceed 100% of the sum assured. No benefits will be payable for events occuring before or within the survival period of 7 days from the date of diagnosis. For certain medical conditions, there is also a waiting period of 90 days from the Cover Start Date or date of reinstatement, whichever is later. The assurance charges for Early Crisis Cover Provider are not guaranteed.

Once a successful claim is made under the 50% Severity Payout benefit, future assurance charges for the Early Crisis Cover Provider will be waived.

For Special benefit, we will only pay provided the Early Crisis Cover Provider is not terminated or fully claimed.

3 The Enhanced Protector Benefit pays 150% of the sum assured for death, Total and Permanent Disability or Terminal Illness if the life assured is below 70 years old when he dies, is terminally ill or is totally and permanently disabled.
4 PRUlink enhanced protector provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy before the life assured attains the age of 70.
5 Reduction in sum assured for death, Total and Permanent Disability and Terminal Illness can be done at any time to an amount not less than the minimum sum assured permitted by Prudential. However, this can only be done once in every 12 months.
6 Only applicable if:
  • you have paid all regular premiums when they fall due or back-paid all unpaid regular premiums due; and
  • you have not withdrawn any units credited to your Protection Account.
7 Increase in sum assured without underwriting upon the occurance of a life event is only applicable for policies purchased at standard rates. It must be exercised within 3 months from the date of the life event and not be more than $150,000, or 25% of the original sum assured, or the maximum sum assured of the policy; whichever is lower. It can only be done if:
  • The life assured is under 50 years old; and
  • Have paid all the premiums due under the policy; and
  • The life assured has not made any claims on any policies that he has with us and received the benefits.
8 For EAO (Lump Sum), there is a net sales charge of 3% of your EAO (Lump Sum) premium.
9 The policyholder can opt to reduce the sum assured for death, Total and Permanent Disability and Terminal Illness to zero after:
  • The life assured has reached age 55; or
  • 10 years from the Cover Start Date of the policy; or
  • 10 years from the last increase in regular premium,
whichever is later.

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.

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 the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

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 these insurance products 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 this brochure, the English version shall prevail.

Information is correct as at 5 October 2016.