PRULife Vantage Achiever

A thoughtful legacy with love.

Created for those who’ve attained the best in life, PRULife Vantage Achiever is a single premium whole-of-life plan that enables you to pass on your successes as a heritage for those you cherish. Designed to help ensure that they have an advantaged lifestyle, PRULife Vantage Achiever gives you the peace of mind knowing your wealth is not only preserved, your legacy will also be passed on for generations.

PRULife Vantage Achiever is available in Singapore Dollar (SGD) and United States Dollar (USD).

Benefits

  • A single premium whole life participating plan that provides lifelong financial protection against death, and before age 65 years against Terminal Illness4
  • Option to add Accelerated Disability5 supplementary benefit
  • Enjoy a Multiplier Benefit2 that provides higher coverage of up to 275%3 of the sum assured upon death before age 85 years or against Terminal Illness4 or Total and Permanent Disability5 before age 65
  • Acquires an immediate cash value7

At a glance

Premium Single Premium
Currency Available in Singapore Dollar (SGD) and United States Dollar (USD)
Types of Coverage
  • Death Benefit
    Before age 85 years, we pay the higher of:
    a) The sum assured for Death Benefit plus bonuses6 or;
    b) The Multiplier Benefit2

    less any amounts owing to us.

    From age 85 years or above, we pay the sum assured for Death Benefit and all the bonuses6 less any amounts owing to us.
     
  • Accelerated Terminal Illness Benefit4
    Before policy anniversary on which the life assured attains age 65 years, we pay the higher of:
    a) The sum assured for Accelerated Terminal Illness Benefit plus bonuses6 or;
    b) The Multiplier Benefit2

    less any amounts owing to us.
Supplementary Benefit
(Optional)
  • Accelerated Disability Benefit5
    Before policy anniversary on which the life assured attains age 65 years, we pay the higher of:
    a) The sum assured for Accelerated Disability Benefit plus bonuses6 or;
    b) The Multiplier Benefit2

    less any amounts owing to us.
Types of Bonuses6
(Non-Guaranteed)
  • Reversionary Bonus
    This is an annual bonus that we add to the policy benefits. Once declared, it will form part of the guaranteed benefits of the plan.
     
  • Performance Bonus
    This is a one-off bonus which is a percentage of the accumulated Reversionary Bonuses, upon surrender or claim on the policy.
Minimum Single
Premium Size
  • For entry age next birthday 1 - 16: S$35,0001
     
  • For entry age next birthday 17 - 75: S$100,0001
Surrender Value7 Acquires an immediate cash value

 

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Footnotes:
1 For a life assured of age 17 to 75 next birthday, the minimum single premium is $100,000. Where the life assured is aged 1 to 16 next birthday, the minimum single premium is $35,000, subject to a maximum Multiplier Benefit limit of S$1 million or US$800,000 per life and financial underwriting. This plan is available in Singapore Dollar (SGD) and United States Dollar (USD). For PruLife Vantage Achiever (USD), different benefit limits may apply.
2 The Multiplier Benefit (“MB”) factor is determined based on age next birthday of the life assured at entry. The Multiplier Benefit is derived by multiplying the MB factor to the basic sum assured.
3 The illustrated Multiplier Benefit of 275% is based on a life assured age 30 next birthday and below at entry.
4 The policy provides coverage against Terminal Illness (“TI”) during the term of the policy, and before the policy anniversary on which the life assured attains age 65 years. Policyholder can claim for Death Benefit or Accelerated TI Benefit but not both.
5 The Accelerated Disability Benefit is an optional supplementary benefit that provides coverage against Total and Permanent Disability (“TPD”) during the term of the policy, and before the policy anniversary on which the life assured attains age 65 years. Accelerated Disability Benefit can only be applied at policy application. The minimum and maximum entry age for Accelerated Disability Benefit is age 1 to 64 next birthday respectively. The Accelerated Disability benefit accelerates from the basic plan. Policyholder can claim for Death Benefit or Accelerated TI Benefit or Accelerated Disability Benefit but not all.
6 Bonuses are not guaranteed and will vary according to the future performance of the participating fund.
7 The policy only acquires a guaranteed Day 1 Surrender Value provided Prudential Assurance Company Singapore (Pte) Limited has accepted the policy application and received the single premium.

 

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. Buying health insurance products that are not suitable for you may impact your ability to finance your future healthcare needs.

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 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 the e-Brochures, the English version shall prevail.

Information is correct as at 27 May 2016.