Analyse your life needs in detail and plan ahead for a brighter tomorrow.
PRUcash max limited pay
We understand you want to win with shorter premium terms and Yearly CashBack
Secure your future earlier without worrying about your finances in later years with PRUcash max limited pay. PRUcash max limited pay lets you pay off your premiums in a shorter time, while offering you the financial freedom with Yearly Cashback1 that you can use as you wish.
|1||Yearly CashBack starts after the 2nd policy anniversary.|
|2||Face value is a notional value used to determine the Reversionary Bonuses (non-guaranteed), the Maturity Benefit and the Death Benefit. It is not the sum assured of the policy.|
|3||Bonuses are not guaranteed and will vary according to the future experience of the participating fund.|
|4||For the accumulation of CashBack, we pay a non-guaranteed interest of 3% p.a. This interest rate may vary and any changes will be made known to you.|
|5||We will pay the higher of 105% of the total premiums paid (excluding premiums for supplementary benefits, if any) as at the time of death, or 101% of the surrender value (excluding CashBack and interest, if any) at the time of death, less any outstanding loans.|
|6||Subject to terms and conditions, Max Protection Multiplier pays out in the event of Death, Accidental Death or Total and Permanent Disability.|
|7||Upon diagnosis of early or intermediate stage medical condition, the future premiums will be waived for 5 years or 10 years respectively, or the remaining premium payment term, whichever is shorter. The maximum premium waiver period under the Early Stage Crisis Waiver Benefit is 10 years, after which the benefit terminates and premium payment for the covered benefits will resume.|
|8||Future premiums are waived up to age 85 or until the end of the premium payment term, whichever is earlier.|
|9||Premium quoted is on an annual basis for a non-smoking male, age 45 next birthday, with an annual premium of $12,826 for 5 years and a Face Value of $40,000.|
|10||The illustrated values use bonus rates assuming a projected investment rate of 4.75% p.a. As bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.|
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 that is 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.
In case of discrepancy between the English and Mandarin versions of the e-Brochure, the English version shall prevail.
Information is correct as of 1 July 2013.