PRUTerm Vantage

Give them every advantage, protect them with everything you have.

PRUTerm Vantage, yet another offering from the PRUVantage Portfolio, has been created especially for people at the pinnacle of achievement – it provides high-value yet flexible coverage that matches both your status as well as your needs.


  • Minimum sum assured of $500,0001
  • High coverage and greater flexibility for 10 years of protection or longer
  • Reassurance of lump sum payment in the event of Death or Terminal Illness2
  • Choice of coverage till 100 years of age3
  • Option to increase4 your Death coverage up to 2 times of your original PRUTerm Vantage sum assured. (Available for Singapore dollar plan only)
  • Optional Supplementary Benefits such as Crisis Care (PRUTerm Vantage)5, Crisis Cover Vantage6, Early Stage Crisis Waiver7, Crisis Waiver III7, Disability Provider lll8, Early Stage Crisis Cover8, PRUsmart lady ll8 and Fracture Care PA8 can be added to the plan to help you enhance your coverage. (Available for Singapore dollar plan only)
  • Optional Accelerated Disability Benefit9 available for Singapore dollar or US dollar plan
  • Plan is available for residents and non-residents of Singapore



How PRUTerm Vantage complements your existing insurance policies

The customer:
Mr. Lim, a Singapore resident, who’ll be 40 years old on his next birthday, has 3 young children and is the family’s sole breadwinner. He has already planned for his retirement (along with his wife) as well as his children’s education needs.

The need:
After looking at his financial plans, he realises there’s a huge shortfall in his own protection needs – and is interested in topping up his coverage for the next 25 years so that his family will be well looked after in the event of his premature Death, Terminal Illness, Critical Illness or Total and Permanent Disability.

The solution:
He signs up for PRUTerm Vantage for a premium of just S$3,97010 per year, which includes the optional Accelerated Disability and Crisis Care (PRUTerm Vantage) benefits10.

The reassurance:
Mr. Lim suffered from a Heart Attack at age 50 and received a lump sum payout of S$500,000. The PRUTerm Vantage sum assured reduces to S$500,000 after the payout. In the event of Mr. Lim’s Death, Terminal Illness or Total and Permanent Disability, his family will receive the balance S$500,000 in a lump sum, which will see them through difficult times.

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1 The PRUTerm Vantage plan (SGD) has a minimum sum assured of S$500,000 against Death and Terminal Illness. The minimum and maximum entry age for PRUTerm Vantage is age 21 and 75 next birthday respectively. For PRUTerm Vantage (USD), the minimum sum assured is US$500,000 and different benefit limit may apply.
2 PRUTerm Vantage provides coverage against Death and Terminal Illness during the policy term. The Life Assured can only claim either Death or Terminal Illness but not both.
3 Based on age at next birthday.
4 Subject to a minimum sum assured of S$500,000 per application and at least 12 months after the policy cover start date or any reduction of sum assured (if any), with a minimum term of 6 years.
5 Optional Crisis Care (PRUTerm Vantage) is available for age next birthday 21 to 65 years, with a minimum sum assured of S$250,000.
6 Optional Crisis Cover Vantage is available for age next birthday 21 to 65 years, with a minimum sum assured of S$500,000. 
7 Please refer to the policy documents for the exact terms and conditions and specific details applicable to this benefit.
8 We reserve the right to accept or reject any application at our sole discretion.
9 Optional Accelerated Disability Benefit provides coverage against Total and Permanent Disability during the term of the policy, and before the anniversary of the policy on which the Life Assured will attain the age of 65.
10 The premium is quoted based on a 25-year policy term for Singapore resident, non-smoking male, aged 40 next birthday and includes the optional Accelerated Disability and Crisis Care (PRUTerm Vantage) benefits. The PRUTerm Vantage and Accelerated Disability Benefit sum assured is S$1,000,000 and the Crisis Care (PRUTerm Vantage) Benefit sum assured is S$500,000.


Buying a life insurance policy is a long-term commitment. This plan has no cash value. 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. Premiums for some of the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.

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 18 August 2016.