PRUSelect Vantage & PRUSelect Vantage Premier

Giving you the added advantage, to achieve your investment goals.

PRUSelect Vantage and PRUSelect Vantage Premier are investment-linked insurance plans that help you build and diversify your portfolio from a wide range of carefully researched and quality funds. Designed to make the most of your investments, we tap on the internationally acknowledged investment expertise of Mercer Investments (“Mercer”), a leading global provider of investment consulting services, so that you can always be on the market pulse.

Offering you the option to invest in either PRUSelect Vantage through regular premium payments or in single premium lump sum for PRUSelect Vantage Premier, depending on your risk profile and objectives, both plans empower you to steer towards your financial aspirations.

Click here for latest promotion.

Features

  • High and attractive allocations
    • PRUSelect Vantage, a regular premium plan, offers 100% allocation rate from day one
    • PRUSelect Vantage Premier, a single premium plan, offers 97.5% allocation rate for single premium and top-up (if any)
  • Good Selection of funds across different asset classes
  • Receive regular market updates1
  • Enjoy unlimited switching2 without additional fees.
  • PRUSelect Vantage provides financial protection with optional premium waiver supplementary benefits3 that ensure all your future premiums will be waived in the event of critical illness or total and permanent disability.

arrow_redClick here to see the list of PRUSelect Vantage / PRUSelect Vantage Premier Funds

How it works

PRUSelect Vantage

The illustration shows how you may potentially benefit financially from PRUSelect Vantage.

Example: Sam, non-smoker, age 35 on his next birthday, purchased a PRUSelect Vantage policy and selected a 20-year premium term, paying S$24,000 a year.

PRUSelect Vantage Example

In the first year, he'll receive $4,800 for his First Year Bonus.

After every 5 years, he'll receive his Loyalty Bonus when he pays his premiums regularly.

At the end of 20 years, at age 55, his premium term ends. The potential returns he will receive at age 60 is S$1,072,1104 (projected at 8% p.a.) or S$1,846,1144 at age 70 (projected at 8% p.a.). 

Download Brochure

Footnotes:
1 Quarterly Model Portfolio Reports are only available when policyholder follows the model portfolio developed by our investment consultant, Mercer.
2 We currently do not charge for fund switches. However, we reserve the right to levy a switching fee but will give you 30 days’ written notice before doing so.
3 Supplementary benefits are only available for PRUSelect Vantage (SGD). Extra premiums are payable for the additional benefits. You can add these benefits only if they are available and the life assured is within the age limit at the time when the benefits are selected. Supplementary benefits are subjected to health underwriting.
4 The benefit illustration is based on fund management charge of 1.5% p.a. on projected investment returns of 8% p.a.. The rate of return is 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 PRUSelect Fund(s) selected. The performance of the PRUSelect Fund(s) is not guaranteed and the cash value may be less than the capital invested.

Important Notes:
PRUSelect Vantage and PRUSelect Vantage Premier will give you access to confidential and proprietary information of Mercer and is intended for your exclusive reference, for general information purposes only. This information is not, nor intended to be, investment advice and shall not be relied on as such. All investment decisions shall be made independently by you, after duly considering and understanding the investment product(s), benefits and risks.

Notwithstanding any information provided to you in connection with the PRUSelect Vantage and PRUSelect Vantage Premier, you are advised to read Fund prospectuses, the accompanying Product Summary and Product Highlights Sheet (where applicable) before deciding whether to invest in such products. Neither Prudential Assurance Company Singapore (Pte) Limited (“Prudential Singapore”) nor Mercer gives any representations or warranties as to the accuracy of any information provided to you in connection with the PRUSelect Vantage and PRUSelect Vantage Premier. Neither Prudential Singapore nor Mercer accepts any responsibility or liability for any loss or damage which you may suffer arising out of or in connection with your use of the PRUSelect Vantage and PRUSelect Vantage Premier. Where appropriate, you are encouraged to seek independent legal, tax and other professional advice. As there may be market fluctuations and change in market conditions, you are also encouraged to refer to the subsequent model portfolios that will be updated on a quarterly basis. Such subsequent updated model portfolios can be obtained via your Prudential Financial Consultant.

Any opinion on or rating of investment products contained under the model portfolio or provided by Mercer, Prudential Singapore or any Prudential Financial Consultant in connection with the PRUSelect Vantage and PRUSelect Vantage Premier is not intended to convey any guarantee as to the future investment performance of such investment products. In addition, past performances of investment products cannot be relied upon as a guide or indicator to future performance of such products.

Notwithstanding anything above, Prudential Singapore reserves the right to discontinue the PRUSelect Vantage and PRUSelect Vantage Premier at anytime without reference or notification to you.

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. 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. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience. You are recommended to read the policy documents and 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.