Analyse your life needs in detail and plan ahead for a brighter tomorrow.
We understand you want financial flexibility while saving for your future
Prepare for life's uncertainties with the PRUflexicash insurance savings plan. It's designed to help you save for the future, while providing you with protection against unforeseen events. It also offers you financial flexibility with a Yearly Cash Benefit1 with the freedom to structure payouts to suit your needs.
|1||Yearly Cash Benefit is a payout of 5% of the PRUflexicash sum assured after the second policy anniversary.|
|2||The interest rate is not guaranteed and is subject to change according to prevailing market conditions.|
|3||No later than one year before the end of policy term.|
|4||Policy provides coverage against Terminal Illness and Total and Permanent Disability before the cover expiry date, which is the policy anniversary on which the Life Assured is aged 65 next birthday, or the end of the policy term, whichever is earlier. The Life Assured cannot claim for both Terminal Illness and Total and Permanent Disability.|
|5||Bonuses, if any, are not guaranteed and will vary according to the future experience of the participating fund.|
|6||Sum assured of the new policy for each life event can only be up to a maximum of 25% of the original sum assured or S$150,000, whichever is lower. The option to purchase a new policy can only be exercised twice in a lifetime of the Life Assured. The maximum additional cover for these two life events can only be up to a maximum of 50% of the original sum assured or S$300,000, whichever is lower.|
|7||Upon diagnosis of Early or Intermediate Stage Medical Conditions, the future premiums of the covered benefits will be waived for 5 years or 10 years respectively, or the remaining premium payment term, whichever is shorter. The maximum premium waiver period is 10 years, after which the benefit terminates and premium payment for the covered benefits resumes.|
|8||Future premiums of the covered benefits are waived up to age 85 or until the end of the premium payment term, whichever is earlier.|
|9||Recovery Aid is an optional benefit that can be added to Accident Assist.|
|10||Annual premium quoted (rounded up to the nearest dollar) is based on a male, non-smoker, age 25 next birthday, with a sum assured of S$120,000.|
|11||The illustrated values use bonus rate assuming a projected investment rate of return of 4.75% per annum. As the bonus rates are not guaranteed, the actual benefits payable will vary according to the future performance of the participating fund.|
You are recommended to read the product summary and seek advice from a qualified Prudential Financial Consultant for a financial analysis before purchasing a policy suitable to meet your needs.
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. Premiums for the supplementary benefits are not guaranteed and may be adjusted based on future claims experience.
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 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-brochure, the English version shall prevail.
Information is correct as at 5 October 2016.