PRUterm basic

We understand you are looking for that extra adaptability in your protection.

Life changes constantly, and with it your needs and priorities. Shaping the circumstances surrounding your life may be difficult, but you can shape your protection plan to cushion the financial impact of unexpected events. Enjoy the flexibility of PRUterm basic which protects against death and terminal illness while giving you the option of adding coverage against disability or critical illness along the way.

Benefits^

  • Provides lifetime financial protection against death as well as financial protection against disability and terminal illness till age 65
  • Available for term of 10 to 45 years up to age 75
  • Available as a stand-alone plan or as a rider to your main Prudential plan
  • Allows increase of coverage at life's major milestones without evidence of good health. Within three months of marriage, upon the birth of your child or the adoption of a child, you can choose to take up a new PRUterm basic*
  • Add on these supplementary benefits for more comprehensive coverage:
    • Provides a regular annual income from the year after the total disability, up to 65 years of age
    • Crisis Waiver pays for your premiums in event that you are diagnosed with any one of the 30 critical illnesses
    • Upon diagnosis of any one of the 30 critical illnesses, Crisis Cover Extra pays out the sum assured in a lump sum during the policy term, thus allowing your coverage against death and terminal illness to continue.
    • Comprehensive Personal Accident III benefit receives an additional lump sum payment in the event of accidental death and dismemberment
      • reimburse your medical expenses incurred due to the accident and pays out a weekly income if you cannot go to work because of the accident.
    • PRUsmart lady II gets financial protection against major female illnesses and medical cost incurred for surgery and hospitalisation
    • Crisis Cover III to PRUterm basic with disability chooses to convert all or part of the sum assured to a new whole life or endowment plan*

 

^ Terms and conditions apply
* Subject to the conversion terms and conditions and availability at time of conversion.

How it works

For as little as $0.68 per day or $20.94 a month, a male non-smoker aged 25, can be covered for $160,000 10-year PRUterm basic plan.

Who can apply

  • For those between 16 and 65 years of age seeking additional insurance coverage at an affordable price
  • A Term product available for cash funds with Regular Premium payment

Buying a life insurance policy is a long-term commitment. An early termination of the policy usually involves high cost and the surrender value payable may be less than the total premiums paid.

This is not a contract of insurance and reference should be made to the respective policies for the exact terms and conditions applicable to the insurance policy. Please refer to the exact terms, conditions, exclusions and specific details applicable to this insurance in the policy document that can be obtained from a Prudential Financial Consultant.

The information contained in this website is not required to be reviewed or endorsed by the Monetary Authority of Singapore.

Information correct as at 30 March 2011.